And what theyre trying to do, you hit it exactly on the head when you intread this. Introd. Theyre trying to find a solution but going about it the wrong way. Theyre trying to cut price of higher education. Theyre targeting middle income, and middle class families to incentivize enrollment rates in universities because weve seen past few years that colleges and universities seen massive decreases in enrollment rates. Gerri confusing me here. Youre say theyre trying to cut the price. I think prices are only going up. This is a little incentive, a little goose maybe 2,000 bucks for a family having major financial problems because of college debt. Let me show you a number here and this i found surprising. 39 of families earning 65,000 have Student Loan Debt of 30,000. At this level it is just unpayable, wouldnt you agree . This is just an impossible nut to solve for if you have debt that high . I do agree. Heres the thing. Theyre trying to cut price for students, not the cost of education. And thats the problem. That is the reason that were seeing debt increase so much is because theyre offering Financial Aid to middle class students so, incentivize enrollment. Theyre cutting price for them but it is not changing the cost of education. The cost is still extremely high. The cost is high because were seeing like at Leadership Institute for campus reform, ridiculous courses being offered. Were seeing waste and abuse in the fund that these, these universities are receiving. So the costs are really high but theyre simply using Financial Aid as recruitment tool to get students in the door. Gerri we have 20 Million Students each and every year going to college. 12 million get loans. If you can fog a mirror you can get a loan for college right . Yeah. Gerri very reminiscent what happened before the housing bubble burst. The loans are given out to anybody at any level you want. What is the endgame in your view . What happens . Will this bubble burst . We have a lot of people out there who said this is just a disaster waiting to happen. Ultimately the bubble will burst because these students have to pay back the Student Loans unless they elect somebody that will completely forgive them. I dont see that coming in the future while that push is there. What is it es going to burst because students in many cases are getting degrees that are not paying them salaries that allow for them to pay that debt off. So theyre going theyre not going to be able to pay that off. Ultimately that is how the bubble bursts. What we need to be doing is refocusing education giving them a deliverable marketable skill when they leave college and you know, we need to be putting in cap on loans. Gerri turn off the money spigot. Lets face it. It is almost unamerican to say this money shouldnt be so easy to get. It shouldnt exactly. The ability for students, because theyre federallybacked Student Loans to take out whatever they want, has allowed for universities to inflate the cost of education or price at least, and that really caused a bubble. So we need to get the government out of it in many cases. Allow for universities to really compete, not only in the realm of ideas and what they offer when it comes to education but also with prices. We need to allow for them to do it because without the government involvement in Student Loans. Gerri caleb, thanks for coming on tonight. Happy new year. Happy new year, gerri. Gerri with the new year comes a new opportunity for government regulations. Thats right. Americas Unprecedented Energy boom credited with bringing down gas prices and in the crosshairs of the white house. Will government red tape tie up our quest to become energy independent. We have rich lowery from the national review. Welcome back. Happy new year. Gerri in the wall street journal story theyre talking about what the government wants to do, face it the Obama Administration wants to do with Energy Makers in coming year. Here is what they quote officials as saying, new regulations needed to address the impacts of surge of oil and gas drilling and production. I dont think they mean they want to encourage it. No. Gerri in fact i think they mean they want the opposite. For the Obama Administration has to be bitter irony one of the main drivers of this economic boom is fracking revolution, right . They think fossil fuels are thing of the past. Instead theyre foraging the future and they want to do everything they can at the margins to discourage it. Gerri wait a minute. This is a part of the economy working right now. Right. Gerri this is one of the few parts of the economy that is working. It is actually the engine literally pushing everything else. Employment gains. It is pushing gdp higher. Yep. Gerri so why would you kill this engine of productivity . It is ideology and politics. It is a very negative view of fossil fuels. The belief that the fossil fuels are destroying the planet and catering to very powerful activist groups and environmentalist donors to the democratic party. The thing is, lower prices are a boon almost to everyone except for the producers. So the last thing you want to do when prices per barrel are going to 60, 50 a barrel is increase costs to these producers which theyre going to try to do next year across the board. Gerri it is unbelievable. The tin ear out there for the energy industry. Weve already seen the coal industry kid right . I have had ceos from the industry on this show. We talked about how tough they have made it for people who want to produce coal. Now theyre boeing after oil and gas. To me this is an administration that does not like growth. This administration does not want to see this economy expand. What do you think . They talk so much about infrastructure and good bluecollar jobs the way they should. Here is the main source of them. Of course the highest profile example is the keystone pipeline. I believe the first thing congress will do is pass. That it will pass the senate with more than 60 votes. Bipartisan majority of in favor of it and president very likely will veto it because he is so dug in on this issue. Gerri it is ridiculous. This is something that could fuel our future. The president likes to say that the energy is going offshore. It doesnt matter to us but it brings down prices across the board. Of course. Gerri face it, weve seen Energy Prices in this country go down by 40 over six months. This is has been the best gift, this administration could have given to americans. This is helped the middle class. Sure. Gerri virtually every other policy that the president put into place has just done the opposite. There is no cost to this. It is boon to consumers. A boon to agriculture. Its a boon to carmakers. It is impossible to find a downside of this and completely happened without government just based on ingenuity and drive of american entrepreneurs. Gerri more rules on energy production. It confound me that this is where theyre going to go next. You know after cuba i asked myself what other lefty issue are they going to attack next . Is there anything else on your agenda you think they might go for . This is the big one and. We talked about how they dont like pipelines . Turns out they dont like transporting by rail either. That will be one of the bigger regulations. Gerri irony here, we talk about cruel ironies rail fires have been devastating there. Is a decision here they want to try to stop those. What about a pipeline . Wouldnt that work better . Pipelines would be good. We werent transporting oil basically by rail several years ago. It is because of the boom. Because we dont have enough pipeline. So build more pipelines. Guess what . You need workers to build those pipelines. That is the good thing. Gerri a few more jobs. Jobs productivity, better economy. It all adds up. Great to see you rich. Thanks for coming on. Happy new year. You too. Gerri speaking of regulations the president s signature legislation, obamacare, still struggling to get traction with americans. Thats the conclusion of the latest obamacare enrollment report. Four Million People signed up for the first time or reenrolled. Department of health and Human Services breaks it down by saying 3 1 2 million used healthcare. Gov. 600,000 used state exchanges. The report does not include people who are automatically reenrolled. Yes theyre doing that. But still a far cry from the nine million target for 2015. However, open enrollment continues through february 15th. We have more to come this hour including your voice. Your voice is important to us. Thats why during the show we want to you facebook me or tweet me gerriwillisfbn. Point your browser to gerriwillis. Com. Of the at the bottom of the hour i will read your tweets and emails. Next, how many times have you wanted to scream at your Cable Company or the airline youre traveling on . A look at most hated companies with the worst Customer Service. You know them, coming up well have the list. 2014. These ally bank ira cds really do sound like a sure thing but im a bit skeptical of sure things. Whys that . Look what daddys got. Ahhhhhhhhhh growth you can count on from the bank where no branches equals great rates. When heartburn comes creeping up on you. Fight back with lief so smooth. Its fast. Tums smoothies starts dissolving the instant it touches your tongue. And neutralizes stomach acid at the source. Tum, tum tum tum. Smoothies only from tums. So ally bank really has no hidden fees on savings accounts . Thats right. Its just that im worried about you know hidden things. Ok, whys that . No hidden fees from the bank where no branches equals great rates. Gerri is Customer Service dead or dieing . The university of michigan released its annual American ConsumerSatisfaction Survey and bunch the company you already know fail to earn top marks and the big reason is Customer Service. With more on this, a Small Business expert. Susan, great to see you. So tell me, is Customer Service dead . You know gerry i find it really funny. Go to almost any Major Company and read their marketing and branding material and talks about Customer Service importance of providing Excellent Service to customers but that message doesnt yeah, yeah. It doesnt trickle down to the front line employees. Unless it is becomes a part of dna of that companys culture it is rhetoric. Employees are not hearing. It. Companies like Time Warner Cable and comcast theyre not incentivized helping the customer. It is quite the contrary. Gerri get to the list. That is payoff for this. Time warner, bingo. At top of the list, Internet Service and tv cable service. Then you have comcast. Do you see a trend here . Then united airlines. It is either tv or airplanes one or the other. You were saying some of these Big Companies dont incentivize their Customer Service people to do the right thing. How should they change their policies . Look at terms of the cable operators. First there is little competition. If you dont want their service or dont like what theyre saying hey, what are you going to do . The second thing is the paycheck of those Customer Service reps depend on you signing up for more service or certainly keeping you from canceling your service. And, if you do those things, they get penalized for it. So as sometimes people have actually said that they service with these reps has been abusive or bullying. Gerri right. This is their livelihood. There is something very wrong with the Management Structure like that. That starts at top. Weve had some of the folks on tv and played some of the sound from some of these phone calls. It is appalling. You can not believe how abusive some they use a stick and not a carrot with these employees. Tough tell you there is some arrogance out there too. Were time warner. Were only game in town. If you want service you will have to come to us, right . Precisely. Where do you go pay higher rates, get Unreliable Service and get treated like that . Most of the time we consumers we can vote with our wallets right . Gerri sometimes you cant. There is very little choice. Jo that is really true. Time warner and comcast a merger, come on, gerri really any know that the paid subscriber tv Business Model is dwindling. They need to come together to have economies of scale in their management theory. At end. Day that will not be good for the customer. Competition is good for the customer. A lot of businesses, small industry gerri wait. I want to talk about somebody who did it right too because there is that. Okay. Gerri amazon topping the list here. I can understand. That they are there for you. You pick up the phone you call them theyre answering. Interesting walmart on earth side of that kind of fell down. They have taken a lot of people off the floor trying to keep the Everyday Low Prices. Im a big fan of walmart by the way but i think they have fewer people there to help you out with critical Customer Service. Well i think that is very true but i also think honestly i dont like walmart. I dont want to see people shopping in walmart. Gerri come on. Im sorry i would rather go to target. Gerri you think youre a bit of a snob. Gerri i know but you still love me right . Gerri i do. I do. The bottom line with walmart they have a serious Public Relations crisis on their hand right now with theyre not paying a living wage and i dont agree with that strategy. Gerri a portion of walmart employees make minimum wage. I dont think you will point to somebody who does that i dont think it is walmart you want to point to actually. And i dont believe this pr crisis for them. I just dont buy it. Ive seen communities where they come in, where there was no Retail Options whatsoever and there they are. I think their issues are theyre so big you no, how do they get extra margin. Were talking about Customer Service here and clearly theyre having some issues there. They are. And theyre not staffing like they should but lets face it. You get what pay for. You want low prices you will not have somebody to take you to Certain Department to help you. Gerri true. I like to shop at bed, bath beyond. I probably pay more for products there but i get Great Service when im there. I walk in they take me to where i need to go, products i need to find. Time is money. Thats a value for me. You get what you pay for. Gerri i do think there is a whole group of customers out there right now willing to pay the extra bit and retailers who are savvy are learning that and talking two languages one to the Everyday Low Price customer and another to people who want help and service. Susan, good to see you thanks for coming on the show tonight. Gerri, thank you, happy new year. Gerri happy new year to you too. Later in the show, how those red light cameras are making it more dangerous to drive not less. Next we answer the question, how do you do that . We have advice best ways to use all the new gadgets you got for christmas without draining your electricity around adding to your monthly bill. Announcer every day across america, excess food is gathered by a network of good people at local food banks, giving hope to millions of children who struggle with hunger. Theyve earned their wings. And you can, too. Together we can solve child hunger. Support feeding america and your local food bank at feedingamerica. Org. Gerri well christmas has come and gone if you were fortunate enough to receive your favorite hightech gadget you may soon find that gift comes with a hefty price. Todays electronics can consume lots and lots of electricity energy. Taking a toll on your monthly power bill. Here with ways to cut the energy consumption, keep a few bucks in your pocket, mashable tech editor pete paschal. Welcome to the show. Thank you. Gerri you have stuff here i never heard of. Everybody got a game console. What are the word for wisdom . Game consoles are most notorious power drainers. Xbox is power brick comes with its own fan. So it is huge. Gerri that is not a good sign. Not a food sign. There is not a lot you can do during game play. Needs the power to have performance. When it is in standby mode it can still be a energy drain. There are sets on playstation four and xbox 1 and wiiu. Go to Energy Savings turn off everything you dont need. Maintaining active Internet Connection for example, when youre not gaming. If youre not a hardcore gamer if youre not doing other things with it if you dont need auto updates you can turn that off. Same thing with the xbox. It has instant on setting versus Energy Savings setting. Unless youre using the xbox as the center of your mode yaw center of your whole media experience you dont really need that you can turn to Energy Saving mode. This will mean it will take a minute to turn on every time you turn it on but power savings will be good. Gerri automatic updates if i turn off the power will i get them . You will be interrupted now and then. You can always dismiss it and do it later so youre not interrupted in the middle of the game oh, you have to stop everything youre doing to do this you will have to actively doing something to have the update rather than happening at 3 00 a. M. When youre sleeping. Gerri my favorite tip involves televisions. This blue me away, those sneaky dogs in the stores, they do something to make your tv look better. The thing is, manufacturers all want tvs to stand out in stores. They do at the factory is the default set something brightest possible setting on tv. Gerri why it looks so beautiful in the store. The showroom has huge lights. So they have to compete with that. Thing is when you get your tv home, the first thing you should do make sure you switch the default picture setting from whatever it is, probably bright, vivid retail. Might even be called retail change it to standard and normal. That saves you bumped dell right away. Gerri that is amazing. That have good stuff. That was worth the price of your appearance here today. There is no price. Not being paid at all. Gerri lets talk about getting rid of stuff that might be a drain youre not using. Right. So what is happening now is that a lot of people are getting things like dong gels and media streaming stuff like apple tv. Gerri we have it all over the house. Tvs have apps, hulu, amazon instant video. Key thing a lot of this stuff is redundant. You dont need netflix on three different devices. If you bought a row cue device for netflix, your tv has it. Do a cleanse and get rid of gadgets using. When was last time you fired up dvd player. If youre not using disks anymore why have it hooked up . Just save you immense amount of power switching from stuff apple tv or row cue box to a dongle like chromecast. I like that. Cleanse gadgets. Gerri turning off power strip. That. That he is effective and super simple. I dont recommend it, as kind of a last resort. You should power down all your stuff first before you switch off power strip. The power strip will abruptly cut off everything. If something is in middle of update and still on there is a small chance it could get a little wonky you try to turn it on. Only most anal retentative of power downers should go to the power strip solution. But that is extremely effective because reduces everything to zero. Gerri hard to get to zero with this stuff. Pete thanks for coming on. Great information. Happy new year. Thank you. My pleasure. Happy new year to you as well. Gerri still using dvds. I must be alone in the world. Oh well. Fox business alert for you now. This year the present made it under the tree according to shipment tracker shipmate tricks. Fedex and ups were able to improve their performances this christmas after an epic fail last year. Remember that . Both companies delivered 9 of the all the packages on Christmas Eve compared with a rate of just 90 for fedex last year. 83 for ups. Oh. The delays last year were blamed on mix of bad weather overloaded system thanks to last minute promises from retailers. To avoid the headaches shippers invested millions to improve systems and hired many more seasonal workers. Coming up 2014 was a year of major population changes in the u. S. Well take a look at the impacts. Next, the countrys largest Red Light Camera Program is under fire because it is said to be increasing car crashes not preventing them. A live report after the break. Ive smoked a lot and quit a lot but ended up nowhere. Now. I use this. The nicoderm cq patch with unique extended release Technology Helps prevent the urge to smoke all day. I want this time to be my last time. Thats why i choose nicoderm cq. Gerri red light cameras greedy bureaucrats love them, drivers hate them x for good reason. Its not just that theyre another tax on already overtaxed drivers, they dont even deliver on the basic promise which is to prevent accidents. Jeff flock has the story from chicago the undisputed king of the red light cameras. Jeff . Reporter they do have more red light cameras than any other city in america, gerri and theyre marked so you know what youre up against. Actually, that may be, theres some suggestion now leading to more crashes at intersections. Thats what the cameras look like by the way. You can see them. Its the couple of cameras up there, one takes a picture of your license plate, the other a wide shot to show that youve gone through on the red light and there you go. But a new study by the Chicago Tribune that hired some experts to do it found while they did reduce some tbone crashes at intersections like this they actually increased the rear end crashes because people are slamming on their brakes not wanting to get a ticket. Its not just here, new jersey recently end a fifeyear experiment with the red light cams and, in fact the number of red light cameras if you take a look at those numbers has actually gone down since its peak in 2012. This used to be big business for cities looking to generate revenue. And heres the other thing, at this particular intersection this is kind of an interesting one tribune did some studies of the data on who got tickets. Right here you see up here, this is one of those lights that at night it will flash if the camera goes off. This will flash to illuminate the intersection. Well, what happened was a couple of years ago they look at the number of tickets. The tribune studied the number of tickets each day, its usually two or three tickets a day that happen at this intersection. All of a sudden, the end of the year it spiked up to over 80 tickets in one instance. What happened was is the city reduced the amount of time on those yellow lights like that one you see right there . They cut it down to the federal minimum. Most of these dont do that. People didnt really know it was coming, less time to stop, lots more tickets. Half a billion dollars generated so far by the red light ticket Camera Program in chicago. Half a billion. Gerri mr. Flock, we have talked about these shortened yellow lights before with data from aaa. Its not just chicago, other folks doing this as well. And i understand theres a lot of graft going to folks in chicago to make this happen. Reporter big court case on that now. What happened has been known to happen at times in chicago the company that got the contract wound up taking back to one member of City Government as much as 1500 for every red light camera ins ration they put in installation they put in paid for one of the guys girlfriends condo, a kids education, some tickets to sports events. You know how that works. [laughter] gerri thats unbelievable. Jeff, thank you. Reporter its the city that works, what can i tell you . [laughter] gerri it works, it lurks. Thanks for being on tonight have a great new years. Reporter thanks gerri. Gerri heres our question tonight, have you ever gotten a red light camera ticket . Log on to gerriwillis. Com, vote on the righthand side of the screen. Ill share results at the end of tonights show. Heres what some are tweeting me tonight, lee writes this yes theyre the worst even got two in australia which are following me around. Lots of people get these tickets. And another viewer says, yes, was behind a large truck and couldnt see the light was red. Photograph passing through the red light, 100. In addition to following me on twitter and facebook, be sure to like fox business on facebook. And here are some of your emails. Charles from missouri writes i love charles in missouri gerri, keep up the wonderful job, you are, indeed, a joy to watch. Thank you, sir. And greg from arizona tells his immigration story my wife is from mexico, we played by all the rules, followed the law, paid over 7,000 in fee, filled out dozens of forms hundreds of hours involved, it took a total of seven years to legally receive citizenship. Now with the executive, order that is, we simply should have ignored the laws like millions of others. Wow, what a story. And heres kathleen from virginia on the takata airbag scandal. I have a bmw series 3 i received the recall notice in late august, ive contacted three bmw dealerships, none have the new airbag. Ive now called bmw Customer Service, was told to put the person in the backseat. This is ridiculous. Yes, kathleen, it is ridiculous. Come on the show and tell your story firsthand. We love hearing from you gerriwillis. Com. Well the new year is bringing a new record for u. S. Population on january 1st, our population will pass the 320 million person mark. Here to break down the demographic trends, wendell cox. Wendell, welcome back to the show. Great to see you. Tell us, what do you make of our growth . Good to be here. Gerri are we growing at a quick rate compared to other nations . Well, were growing a good bit faster than nations like japan, but were actually growing a bit slower than we did in previous decades. Were down about seventenths of a percent or eighttenths of a percent per year, and just in the last decade it was more like one. So there is a significant reduction in the National Population growth rate at this point. Gerri what kinds of movement changes do you see . Well, were seeing a continuation of really a huge trend from the east and north and midwest to the south and the west. In the last since is the 70, for example, we have seen about 85 of the growth in this country has been in the south and the west. And in more recent decades, its been in the south. For example in the last four years and over the last 40 years about 50 of the nations growth has been in the south. So there are radical changes taking place slowly in the demographics and population distribution of the united states. Gerri you know, i read recently that the air lines are having to change their routes over the holidays because theres so many people coming from the north and the west who are going to the south to visit not to visit family but to go home because that is totally changing its completely opposite the trend that it used to be. What is driving that growth in the south in your view . Well a couple of things. I mean, first of all, the very obvious thing is theres been a huge increase in the number of retirees moving from the northeast and midwest to places like florida and other southern states, not to mention the western states of arizona and so on. But beyond that probably the Biggest Issue and probably overall the Biggest Issue is the movement of business to the south. And that really has been the result of very proBusiness Climate that exists across the south so that, for example now you see companies leaving california in large numbers many going to texas going to georgia, going to other places in the south and, of course going to places in the Mountain West as well. So the exodus of businesses is a big factor in the change in population growth around the country. Gerri in fact, in this very report florida becomes the third most popular state supplanting new york. Did that vise you . Did that surprise you . Oh, not at all. Ive been expecting it for a long time, of course as anybody who was looking at the data would do but thats an incredible story. Back in 950 florida 1950 florida had a population about equal to brooklyn, and since that time theyve added a population equal to two new york cities. So now florida will pass 20 Million People fairly soon, new yorks slightly behind, but florida is growing far faster than new york state. Gerri among the fastestgrowing states, north dakota, nevada and texas. Do you believe the energy boom going on in this country is driving some of that trend . Well, theres no question about north dakota, i mean, you look at the data in north dakota, and you find little or no population growth seriously for 80 or 90 years until the last decade. And colorly the energy clearly, the growth in north dakota has been the result of that. On the other hand, texas has to do with good climate, it has to do with international migration, and it happens to do with a very positive business environment. For example texas had been rated by ceo magazine for ten years as having the best Business Climate where at the same time california, that a lot of people dont realize has lost Something Like a million and a half residents to other states just in the last ten years, has been ranked as number 50 for ten years. Gerri 50, dead last. [laughter] you know im not surprised. [laughter] thats pretty dramatic. Wendell, thanks for coming on the show. Happy new year. Thank you. To you too. Gerri and when we come back, a look at the newest trend in sparkling wine. And, next, before you pop the cork, its time to get your financial house in order. Some new years money resolutions you should be making. And heres your consumer gauge with the numbers that mean the most to you. Take a look at that. 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. And the same cialis is the only daily ed tablet approved to treat ed and symptoms of bph, like needing to go frequently or urgently. Tell your doctor about all your medical conditions and medicines, and ask if your heart is healthy enough for sex. Do not take cialis if you take nitrates for chest pain as it may cause an unsafe drop in blood pressure. Do not drink alcohol in excess. Side effects may include headache, upset stomach, delayed backache or muscle ache. To avoid long term injury, get medical help right away for an erection lasting more than four hours. If you have any sudden decrease or loss in hearing or vision or any allergic reactions like rash, hives, swelling of the lips tongue or throat or difficulty breathing or swallowing, stop taking cialis and get medical help right away. Ask your doctor about cialis for daily use and a free 30tablet trial. Gerri well, with 2015 right around the corner, you may be thinking about Financial Resolutions. I hope youre thinking about Financial Resolutions. Whats your plan; spend less, save more . Tonight were going to show you some realistic goals for your wallet that you can stick to all year long. Joining me now, greg mcbride chief financial analyst for bankrate. Com. Greg, great to have you here. You know, i didnt realize this but people are getting into more debt right now. Lets take a look at a couple of numbers here. 66 of consumers overspend an average of 116 so overbudget for christmas, and consumers are taking on 48 billion in new credit card dead in the Fourth Quarter debt in the Fourth Quarter. It looks like were going right back to our old ways here, greg. Sounds pretty familiar doesnt it . Adding Credit Card Debt was just a change we just saw this year. For the past several years consumers have actually paid down that Credit Card Debt. Now people are starting to feel better, more people working, youre starting to see that number creep back up, and as for the holiday overspend thats as an american tradition as apple pie. Gerri guilty as charged, even i did it. What is the top financial resolution and do people keep up with it . Well the financial equivalent of diet and exercise. It tends to be saving and debt. Your Financial Resolutions the most common ones tend to revolve around those things. Again, its just a reflection of the Financial Reality for so Many American households. Gerri you know, one of my unfavorite things people talk about is the budget youve got to have the budget. I want to play some sound from david bach. Heres what he said about the budget, listen to this. People hate budgets and personally what i recommend is throw the budget out because people, they dont work. But heres what does work, what works is realigning the way you spend money. Gerri so, greg, tell me, what do you make of that . Are you a fan of budget, or do you think theyre just too difficult to keep . I am a fan of it. People dont like the word, so call it what you want, but, i mean, i i this what it boils i think what it boils down to is you have to track where your moneys going down so you can maximize your saving and identify opportunities to cut back. You know, only about 60 of americans actually do some form of this. So four in ten americans really have no idea where their moneys going. And, you know consequently we also find that about four in ten americans say that their top financial priority is just getting caught up or staying current on the bills. I think theres a lot of core lace between those two correlation between those two groups of people, and i think thats where getting a handle on your finances begin. Jer yr i really like rules of thumb, pay yourself first, make sure youre ponying up a lot of dough for that 401 k or ira, you know, make sure youre saving to the limit. Can you do it backwards like that instead of, like, you know, following every nickel and dime in some computer program, can you just make sure youve got the basics fundamentally correct . Well, yeah. I think the bottom line here is youve got to find a system that works for you, and what works for you is, you know something that youre going to hold yourself accountable youre not going to be overspending and undersaving. And i really think, you know, for so many people theyre woefully undersaved for both retirement and energies and emergencies, and in an era where people arent getting the pay raises, the money to do thats got to come from somewhere. Getting a handle on your spending is as good a place as any to start. Gerri lets talk about debt for just a second here. I think, you know we just saw the higher levels of Credit Card Debt, but americans have still even now after paying off a lot of debt still have a lot of it. Whats the best way to go about attacking your debt . Well, from a financial perspective, purely financial perspective, youd prioritize from highest Interest Rate to lowest Interest Rate and pay off debt that way, first things like credit cards and personal loans and at the bottom of the scale would be things like your mortgage and federal Student Loans, for example. However, i think another way is look at your smallest debts first, knock those out initially, that gives you some sense of accomplishment, really reinforces the sacrifices you might be making for debt repayment. Again, do what works for you, but the bottom line is, do something. Of. Gerri thats for sure. Greg thanks for coming on. Happy new year to you. Happy new year gerri, thank you. Gerri and still to come my two cents more. Next, break out the bubbly my friends, and before you shell out the big bucks on new new years eve for champagne, were going to show you a less expensive and trendy they were. Dont go away. These ally bank ira cds really do sound like a sure thing but im a bit skeptical of sure things. Whys that . Look what daddys got. Ahhhhhhhhhh growth you can count on from the bank where no branches equals great rates. So ally bank really has no hidden fees on savings accounts . Thats right. Its just that im worried about you know hidden things. Ok, whys that . No hidden fees from the bank where no branches equals great rates. Gerri new years eve is tomorrow, and when the clock strikes midnight, what will you be toasting with . For years most of us would have said champagne, but that may not be the case anymore. Sales of prosecco have been booming in the u. S. In the past few years. Prosecco producer david noto joins us to tell us about the excitement. Now, i have been buying pro sec coe for a long time. At first it was because it was a bargain, but now i actually prefer it. Why are people turning to this now . Well prosecco has a wonderful price to value proposition, price to quality. And as italian wines and cuisine is getting more popular in the united states, people are more willing to explore and try prosecco over the gerri you were mentioning in the break before that it has fewer suggest fites than regular wine, so you may not have that headache the next day. Definitely not. Due to the winemaking process of prosecco, it inherently has about half the suggest fites of champagnes. And with ours it has about a quarter. Gerri so this is an italian wine right . So where did the grapes come from . The grapes, all prosecco is made in northeastern italy. Gerri thats around venice right . Yes, it is. Gerri its a lovely area. I didnt realize it was from there. Thats awesome. Okay. So tell me more about how i choose one. Can i still get a prosecco on a budget . Of course you can. The average price is around 11. What you look for if youre wanting the best prosecco you can find is the do doc the docg. Gerri what does that mean . There are label on top of the bottles that say doc or doocg. The government certification gerri so they all have that little designation, and you know youre getting the best when you look for the right thing. Exactly. Gerri youre looking for, youre saying, is docg . Yes. Gerri okay. Tell me about serving this. Obviously, you know, were thinking new years eve and that would be a great thing. How else might you use this wine . We make cocktails. We were featured on a bunch of places for doing fantastic cocktails with prosecco. Gerri what do you mix it with . About everything. [laughter] every type of juice gerri how about peach neck to have . That would be nectar. That would be fantastic. Gerri what else do you mix it with . Ive used cranberries during thanksgiving fresh cranberry juice, you can make desserts with it with sparkling, the prosecco a little bit of vodka and a little bit of lemon sorbet gerri wow. That is a punch my friend. Vodka and prosecco oh, my goodness. Whats the trend in this your sales . The trend in all prosecco sales has been on the uptick and i think its going to be that way for quite a while to come. Gerri well, david noto we appreciate you coming on and bringing us some prosecco. Unfortunately, we cannot drink on on set, but its gorgeous and it smells fantastic. Thank you so much for coming on the show. Thank you for having me. Gerri well be right back with my two cents more and the answer to your our question of the day, have you ever gotten a red light camera ticket . Well tell you all about that coming up. Many people clean their dentures with toothpaste or plain water. And even though their dentures look clean, in reality theyre not. If a denture were to be put under a microscope we can see all the bacteria that still exists on the denture and that bacteria multiplies very rapidly. Thats why dentists recommend cleaning with polident everyday. Polidents unique micro clean formula works in just 3 minutes, killing 99. 99 of odor causing bacteria. For a cleaner, fresher brighter denture everyday. Gerri have you ever gotten a red light camera ticket . We asked the question on gerriwillis. Com. 12 said, yes, 88 said no. Im in the majority again. All right. If youre heading out to ring in the new year wear an extra layer in most of the country. In las vegas you can bet on snow falling on the strip new years eve. Some 340,000 people are expected to pack the strip for the festivities, forecasters are predicting a 70 chance of snow. This is unimaginable, with a low temperature of 32 degrees. If the predicted 2 inches of snow does occur, well, it could be a big problem considering the city doesnt have any snow removal equipment and neither does the airport. In comparison, those huddling in times square here in new york city could expect a low of 27 degrees, but no chance of snow. And finally i have a sneaking suspicion that after having squashed the recovery with bureaucratic meddling and miles of red tape over the past six years the Obama Administration will double down on that policy in the new year with new rules that constrain the economy again. Make no mistake, policies like obamacare, low down payment home loans, mortgage reform, student loan forgiveness even doddfrank, they have all hamstrung the recovery. Thats why growth has been so low. My best guess is this administration is not done yet. Oil and fracking, as we said at the so much the show at the temperature of the at the top of the show, will be the next target as democrats talk their last shot at getting the policies they want. Thats my two cents more. And thats it for tonights willis report. Dont forget to dvr the show. Making money with Charles Payne is next. Charles im Charles Payne, and youre watching making money. Its been a great year for the stock market, but i say 2015 will be even better, driven by a strong u. S. Economy, higher wages, more Business Investment and even reasonable valuations. Tonight, the five biggest tech trends in the market that you will make money from. Weve got em for you. Right now straight to lori rothman on the floor of the new york stock exchange. Lori . Hi, charles. Stocks retreated today with the dow losing 55 points and closing below 18,000 for the First Time Since december 22nd. The s p caved ten points, snapping an eightsession winning streak. So investors werent all that interested in taking some risks today, we saw a bid in u. S