Jobs in the month of january. We will break down the numbers and what it means for the economy and your money. And a new book appending everythineverythin g that we have been told about retirement. Bestselling author Ken Blanchard is here. And katy perry became a sensation at the super bowl but what about this lawsuit . Gerri all of that coming up in more where consumers are business on the willis report. Cheryl two big Consumer Fraud stories, both are very different. We begin with Identity Theft that could impact your tax return. At issue are coax the stealing identities and then filing tax forms, hoping to score a big refund, possibly your refund. The owner of turbotax announcing this hours ago that the company is working with various state governments after thousands of fake tax documents have surfaced. With us now is peter. How widespread is this . Its going to get worse. Here is the concern. In alabama alone they are afraid that there are 16,000 fraudulent returns that were efiled. The real concern is that people try to protect their credit everyday with Identity Theft issue and maybe we are missing things, which is actually our tax filing. Gerri users of turbotax file about 30 million per year. You know its a big business. We heard some information saying that we are having no problems at all, come on over we will file your forms for you which leads me to the question, isnt culpable in this . Is it something about turbotax that is making this happen . I do not know. But i will tell you that the general idea that the Social Security number, date of birth and your name could make any efiling program easy to be at target of theft what we are going to see in here is that many dont want to do efiling because they dont want the risk. I think the criminals are going further down the food chain and youre going to see tax fraud this year in cases like this. Anthem blue cross and blue shield, 80 Million People gerri we will get to that in a minute. Alabama as he said, 16,000 return suspected. Utah, they had just 28 fraudulent filings and a specific software they are not identifying. And a soda about 2000 returns, georgia had significant numbers. Tens of thousands of refund your up in the air in limbo. What do you tell people tonight who maybe they have already filed and they are wondering if they are going to get their refund . I think that once you have filed from a perspective like this, you are in the clear, its the people that havent filed and that have not whether they are efiling or not come as soon as that happens with your Social Security number whoever files after that even if its the real you, you are locked out. Gerri i think that we should underscore that just a little bit because think about it. You beat me to it. You may be waiting to file you could get the big no from the irs. Actually state filings only its not the irs you can find out that someone got your refund. Is there any recourse for taxpayers . I think eventually there will be, but there will be absolute gridlock at the gate level. I dont like to create urgency when there isnt any. Dont wait to file your taxes if this concerns you. This is a regular Identity Theft is a first person in line that is going to be able to file. Gerri peter thank you for coming on the show and thank you. Gerri this week the second biggest database in the country was hacked and we are learning that anthem did not encrypt the customers data. So its alarming considering the personal information is about 80 million customers and employees that could be compromised. People are up in arms and anthem is hit by a classaction lawsuit. We will have more on the lawsuit from the lawyer handling the case. At first we want to tell consumers about this. Anthem is a alerting customers to protect themselves from email scams i could come along due to the breach. It says dont click on any links to emails reply to emails or reach out to senders and anyways. Dont open any attachments so beware. With me now just filing a Class Action Lawsuit against them that was pretty darn fast. What grounds do you have to sue this company . Two we have a lot of grounds. Like you said, 80 Million Peoples information was stolen and we have brought claims for breach of contract negligence they did not encrypt the data and they let hackers feel like. Gerri a lot of this i have to say that we are shocked by that. And anthem says if you encrypt the data, its really hard to use in the office because you cant swap around quickly. What is your response . Can you repeat that question . Gerri shirley. In the missing as a defense to not do it why would they do it they said we cant move information around between people in the country. It makes it harder to do business. I dont yet understand the implications it could have on their business, but i do understand that 80 Million People are floating out in the hands of thieves right now. Whatever burden its largest on the consumer shoulders tonight. Gerri so what about not encrypting the data. How is that going to play out in the court of law . Will that play out with a judge or jury . Just my think it will be extremely persuasive effect of this data, Social Security number, email addresses home addresses, just sitting there unprotected and unencrypted on anthem database and i think that is very persuasive. And i think bed it will take us a long way in court. Gerri you are also representing customers suing target. You see these as similar breaches . You see these as comparable . Absolutely. I think that this is worse than target, target only involves credit card numbers. We all know that its easy to cancel a card according to the new one. But this involves Social Security numbers and birth dates. Those are facts that you cannot change and you cannot cancel. As we are seeing with turbotax from filings it has real implications. I spoke with a woman today was an office in tears because someone had fraudulently while a tax return using her Social Security number and she cant file their taxes, shes beside herself and doesnt know what to do. See what its going to be a heck of a taxer for a lot of reasons very and i want to read you a statement from the ceo who says anthems own associates, including my own was accessed during a Security Breach and we join you in your concern and frustration and i assure you that we are working round the clock to further secure your data. And so its cold comfort when they give you free credit protection after your information has been stolen. Consumers are coming to a point where they feel that there is no safety, there is no protection out there. What would you say to those folks tonight . I really cannot quibble with them. And i want to make a plan about that credit monitoring. That is not started for weeks. Anthem is not sending out notification by way of these consumers for weeks. Nobody has monitoring right now. Gerri what advice . I know the one everyone to sign on with the lawsuit is there anything you would tell customers and consumers that they should be doing . My understanding is that the Credit Reporting Agency is crashing because so many people are trying to freeze credit and i think that is an important step in monitoring your account closely. Gerri thank you for coming on the show tonight. Thank you. Gerri we have a lot more to come, including obamacares next round. Could the High Court Rule against obamacare this time . My next guest is a prominent constitutional attorney that says yes. Cindygerri sent me a tweet and check us out on facebook. We will be rig gerri stronger than expected jobs report boosting the likelihood that the Federal Reserve will hike Interest Rates this summer. Lets go to peter burns with the details. Reporter thats right, the economy added 250000 jobs in january, higher than expected then employment rate kicking up to 5. 7 from 5. 6 in december. Than 700,000 people have dropped out of the workforce, they got back in and i am more optimistic about the job market in their employment prospects. We also saw an average weekly wages, up a half percentage point, to 24. 75 per hour this is important because Hourly Earnings fell unexpectedly in december for the first time two years. People think it mightve been a statistical quirk. For one other piece of good news, a big upward revision for november and december. The jobs report in those months plus 140,000 jobs that hadnt been previously reported. The economy has created more than 3 million new jobs in 2014. The best run since 1999. Gerri thank you peter, for that. Many economists thought todays report was there the jobs market has many hurdles. With us now is topical. Welcome back to the show. So lets put up those numbers one more time. I just want your analysis here. Is this a great were worried that some economists are saying that it is . Yes, it is a good report if you look at the numbers as peter barnes just said. Wages up a little bit job creation numbers are stronger and the big question is does this mean that the economy is in good shape . The answer is not yet. We still have about 7 million parttime workers that dont want to be parttime workers, only about 44 of the Adult Population is working full time. So does this feel to most americans, like a strong recovery . The answer is no. Gerri you have some very important details there. Tying this into the jobless rate, which is up and seems to be bad news it might actually be good news because it sounds like more people are out there looking for jobs. Todd you know as well as i do that so many people have just given him. Is this a positive sign . The number is a positive sign about 700,000 people have entered the job force. But there is a tremendous asterisk that no one is mentioning were a few people have mentioned and that is in economics we have to adjust for seasonal changes and the rule of tom as i describe it is do not trust santa claus or teachers. Why do i say that . January is a very precarious month for seasonal adjustments as is july and september as kids go back to school. Gerri if i could revise my numbers as much as the government does, it would be looking a whole lot more positive areas im wondering if you heard the gallup ceo talk about these numbers. He said why dont you look were unemployment is more like 11. 3 . What did you make of his comments . Is he on target . Are the jobs numbers misleading or alive . I do not believe that they are a lie. But its some sort of a conspiracy. But i do think that they are statistically a misrepresentation of how the American People feel. We know in the oil and gas industry there are 20,000 layoffs this past month and those didnt show up in todays numbers. Ryan williams, pete carroll of the Seattle Seahawks could be laid off and we have these numbers that need to be updated. I dont think that the january numbers are to be trusted all that much especially since the seasonal adjustment is about 2 million jobs. Gerri there is a huge swing in the changes really matter. You mentioned something awesome i want to dig into and that is gdp of 2. 6 . You say that jobs are important, but what about overall growth. What do you make of it. Overall growth has not been all that robust. The rest of the world is looking worse. And that means american exporters are not doing as well. The value of the dollar is up which is good in some cases if you are an american traveling abroad, but if you are blowing or caterpillar, its not necessarily a good thing. Certain sectors of economy are doing well. The automobile sector, iphones, if it werent for texting while driving, i dont know what strength we have in the economy. But iphones and automobiles are doing well. Gerri too bad we dont make those iphones in the usa. Because we do not. What i think is interesting as you see manufacturing down and construction down and those two very important sectors not doing well. So what does that tell you when it comes to our economy . We are a divided country in many ways. The one principle way is this economic recovery such as it has been, it has been led by the oil and gas industry by the steel industry, by states like texas and oklahoma, north dakota and others, those places and jobs are now going to suffer and the question is whether the baton can be passed from those states to other states that benefit from lower energy prices. The baton has not been passed and that will be the challenge for the American Economy over the next six to 12 months. Gerri we will have to have you come back for the february report. Since you are not too impressed with these numbers. I would like to know if Brian Williams will be in february report. Gerri i guess we will find out soon enough area. Gerri heres our question tonight. You consider yourself middleclass . Login tonight and vote and i will share the results of the end of tonights show. And even during tough economic times, americans rallied around each other when needed. Here is a case in point. Something happened at a target store in raleigh, north carolina. Its gone viral on the internet. Target shopper saw a young man looking for a tie for a Job Interview and he wanted a clip on, but the store only sold by dealers. So a hopeful target worker showed them how to tie a tie in a random act of congress kindness they practiced handshakes and Interview Questions and answers with the team. The next day several employees went to the chickfila and share their experience with the hiring manager. We hope he got the job. Good luck to that young fellow. And remember the sharks in katy perrys halftime super bowl performance . One Small Business owner is in hot water. And obamacare getting its day in court. This time the outcome could be very different. Please stay with of accidental death for young children. Simple safety steps are the best way to prevent these tragedies. Make sure kids learn how to swim. Designate an adult water watcher to watch kids in and around water. Save the phone calls and texts for when the kids are out of the water. Properly fence all pools with fences at least four feet high and with selfclosing, selflatching gates. When above ground pools arent in use remove the ladders. When pools arent in use cover them. Teach kids to stay away from drains. And if a child is missing check the pool or spa first. Consider the steps you take then add a few more. Because you never know which pool safety step will save a life until it does. Simple steps save lives to learn some new ones visit poolsafely. Gov gerri obamacare getting its day in court again. Supreme Court Justices are tearing up to hear oral arguments in the legitimacy of federal insurance subsidies. As you know, that is a crucial part of obamacare. Here was more is that. Gerri take you for joining us seth. Can you sum of obamacare as concisely as you can . This is a major group of taxpayers challenging the administrations adoption of the regulation that forces taxbased subsidies to Fund Obamacare to all of the states even though the language of the Affordable Care act provides that that could only happen in states that have established their own insurance exchanges and notably three fourths of the state decided, you know, we dont want to establish our own exchange and therefore under the plain language of the portable care act, it would appear that those subsidies could be plugged in to put fuel in the obamacare tank. The irs has said that that is exactly what these steps are challenging in the big case. Gerri a lot of these people will not get the help that they need. Tell me if you have the expectation. I predict that the government will lose this. The challenges of this have a very strong case. The language of the law is as clear as day and these have established the own exchange. The administration cannot ignore the law by trying to plug in a regulation and i think the language is clear and it really challenges in the middle of the brief what it says is the credibility of taxpayers by saying that they cant point to anyone affiliated with the administration and i think that that is an unfortunate choice of words because Jonathan Gruber made it clear. And he said that that is exactly what congress intended. The reason that he intended that is because he wanted to, as he said, squeeze the states, pressuring them to qualify for this subsidy. Gerri what happens to obamacare remapped. This is going to strike a fatal blow to the nations heart. What its going to do is blow up the financial plumbing through three fourths of the state. Those subsidies are going to be disconnected and then even by the governments own concession, its going to cause a financial spiral and collapse for the architecture of obamacare. So it is going to be a deal. Gerri of course republicans have been asking the head of health and Human Services all week but that is going to be. If this happens, what next . She doesnt seem to have an answer. What will it mean if the government is not ready . You are right and it probably wont be because this decision will come down in the dead of summer, right before the fourth of july weekend, the state legislature wont be able to be there, i really dont think that anything is other going to happen other than shock and surprise. This is going to be a decision that is going to impact a bigger change in the law. Its going to be a huge decision right around the corner. Gerri think you for coming on the show i am sure that youll continue to follow this for us. We appreciate it. My pleasure. Gerri are you paying low prices for meat . How long can this last . And the sharks in katy perrys halftime shell. Are they use of them illegal . We have that to gerri welcome back to the willis report. In a moment, our legal eagles are here with our latest case. The white house says it hasnt seen any evidence backing up claims from isis about the death and of american female hostage. The group claims that the aid worker was killed today in a jordanian airstrike in syria. More investigations into the deadly attacks in benghazi back in 2012, and a special House Committee says it will interview a host of high ranking Obama Administration officials including defense secretary leon panetta, National Security adviser susan rice and secretary of state hillary clinton. A government watchdog has found more problems at the irs. The agency hired more than 300 employees it already had records and bad behavior. Some of these former irs workers falsified forms and gained unauthorized access to taxpayer information. And requiring Staff Members working with children under 15 months to be vaccinated against measles. A Kindergarten Learning Center in chicago had a diagnosis. And so can you forget the super bowl halftime show the one where katy perry was performing with the offbeat not so coordinated dancing sharks . The left shark has gone from being a viral sensation to being at the center of a legal battle with katy perrys team. A man began to sell his models for 24. 99 online with a 3d printer. Katy perrys people were not happy with this and they demanded that the site be taken down. Twenty now is a windy patrick and mark konkle. Can you copyright a sharks . Apparently you can. The shark came into existence as a result of his missteps during the halftime performance. This is a shark whose bad dancing, we came to know who he is and his rise to fame and who knew that bad dancing could do this. Gerri can you copyright this thing . I do not think so. There were fake palm trees, a fake shark in the super bowl halftime show theres a reason why katy perrys lawyers are not going after the makers of all of these fake entrees. So what is different about this particular shark . Why is it the left shark in terms of the internet sensation . The reason is the idea the idea of a dancing stumbling bumbling shark isnt copyrightable. So we really dont care about are felt shark suit but the idea that you cannot copyright an idea. Gerri is that the bumbling idea. Gerri is that the bumbling part . Yes, thats what makes it special. Gerri do you agree with that analysis . I think what the argument is going to be, for the lawyers that are biting back on this issue, is that it is unique. There was no left shark before we saw this and i understand my counterpacounterpa rts position i respect that that is what they are going to argue, but we cannot deny that there would be no left shark if there were no bad dance performances during the program. The fact of the matter is that that is not something that katy perry created. Theres nothing about that shark that is original. Gerri that is the big question. Wendy, who owns this . Was at it the person who was doing the dancing . Its very confusing. A costume can be copyrightable if it is unique enough. Can we say that it is so tied to her performance that she owns that . That is what is being debated. That is what is the point, it is not a unique costume, what is unique about it is that there is a stumbling bumbling dancer fumbling around in the middle of the super bowl created us. Its beyond. Gerri getting to something that i think is interesting, a guy trying to have a business, make money, taking down this by katy perry righteously, so he removes all of the product, he conforms with what katy perry once and then this is what he does. Apparently sharks and palm trees and beach balls are copyrighted now you can 3d print your very own left shark and you sure you download this because in this case it is something that could be taken down. The fact of the matter is that it is protectable and if he puts up on a second website it is this is protectable there as it was before. Gerri i mean, come on. I will tell you this whole concept of 3d printing and imaging. Its new and the copyright world. We are all waiting to see where this goes because we are in a new frontier of the types of things that we can have copyrighted, obviously ideas cannot. But what kind of ip can be met we are getting even more tech savvy. Issues like this giving us cause. Gerri i just have to say to the two of you that the idea the very idea that katy perry is at the cutting edge of copyright law makes me absolutely crazy. Thank you. Gosh, i wish i was worried you are today. Thank you so much. And later in the show oil prices sinking. The airline prices are going higher and higher and next we talk to a consumer advocate that says enough is enough. Its not just oil prices giving consumers a break. These prices are dropping as well. Jeff is going to tell us why we are seeing this and here is your consumer gauge with the numbers that matter to you. Take a look at these and we will be right back text message alert sound tricia is having a sleepover tonight can i go . I wonder about lucys friends what should i say . I know youre only ten but one of these days a friend will offer you a drink and alcohol at your age can lead to so many things none of them good. So can i go to the sleepover . Lucy i want you to promise me something i finished my homework laugh bigger promise if theres any drinking i want you to say no thanks, not my thing. Mom i promise you your real friends wont care deal . Sure really . I promise mom they really do hear you did you pack your toothbrush . For tips on how to start the talk visit underagedrinking. Samhsa. Gov a Public Service message from the Substance Abuse and Mental HealthServices Administration gerri the oil prices have been dropping continuously for weeks. While the prices have dropped, Airline Ticket prices are still going up. Why are we paying top dollar for flights when her number one costs would appear to be down . Charlie explains what the problem is. So how important is jetblue to these airlines bottom lines . The jet fuel crisis has to be part of the bottom line. We just got through listening to parker in his Earnings Call talk about how they are expecting a 5 billiondollar windfall from lower fuel prices over the next year is the Oil Prices Stay where they are. Gerri you your thought is they should pass that through to consumers. Here is what the industry has been saying. They say that they reinvest this money and that they have reinvested it at a rate of a billion dollars a month and things like wifi improving facilities, all the things that consumers want. How do you respond to that two. I think its a great thing the airlines have been reinvesting in themselves for years, even when fuel prices were high and the reason that they can reinvest is bad as these prices were going up, airfare was going on. Consumers are paying for it both ways now. So we are looking at right now is a situation where not only are they giving it something with new wifi or better in seat entertainment, but they are squeezing more of us into airplanes and they are adding more and more seats and i think i just saw a segment before this one where they were talking about another hundred people packed into a large airplane or they are going to sit 10 across now. The airlines are taking it from both sides and raking and lots of money and they are claiming that they are doing all of this for our own good because we wanted. Gerri let me ask you this. It is my impression that prices for tickets have gone nothing but up. But when you talk to the industry they say thats not so to fares are down 16 since 2000. What do you say . Well, nowhere they start that in the year 2000. Lets take a look at what happened in the last year and see what is going on. The airfares have been stubbornly high, they have been level. They are making their case based upon a period of time when oil prices were soaring. According to what the airlines have been telling us for years maybe they werent telling us the truth, we should be very happy that airfares are just leveled. The rhino every time we go down the street we can see the signs of how much gasoline cost and that translates almost directly to jet fuel prices. I think that the consumers can get a little bit back from the airlines. Gerri you have called upon the airlines to reduce prices. You are saying okay we need your input, this is going down and you say its the lack of competition that is creating some of these changes. Can you tell us about that . That is the real problem. The fact that the Airline Industry has become to consolidated. The last two big mergers, continental and united that of American Airlines and u. S. Air have brought us down to three Major Network carriers. We dont have three or four competing, we only have two. So we are in a situation where theres not a lot of competition in the airlines can keep their prices high because they can. They are not forced to lower the prices because of consumer demand and the other thing that is happening is that they have what they call capacity control. The capacity control is really capacity collusion. They are keeping these numbers of seats lower than the people who actually use them. Gerri itis or member a long time ago when i said we had to hike these prices because our fuel costs are higher. And i keep waiting for them to say were going to lower our prices because fuel prices are lower grade but its not happening. We appreciate your help. Take care. Gerri good news for meat lovers. After an expensive year in 2014 the prices have dropped for the Third Straight week according to the wall street journal weekly price survey. Why the sudden drop and will continue . Jeff flock joins us now from a famed meat market in chicago. Take it over. The legendary location this is a meat market that has been around for over a hundred years and the same proprietor for the last 30 years helping you to see some of that fun stuff on the counter there. Going behind the counter to get the real deal taking a look at this, i think this is one of the big drivers. The cowherd has been at depressed levels but now its finally starting to pick up as we look at the latest numbers. Part of the problem was that the feed was so high so naturally theyre going to cut down in production. Once that the prices came down now they can go into production again. We saw in the futures last month and now we are seeing it at retail, we have a couple of things things over here, what am i looking at . Two we have brandname prime rib, wonderful piece of meat 30 days aged right there. The price is pretty much triple the counter price, about 55 per pound. Reporter this is high dollar stuff anyway. Its not going to change, its certainly not going to change. If you go to new york that 70 or 80 right there. Reporter eve and pork is starting to come down as well if you look at the wall street journal survey, to track newspaper ads for beef and pork. The last three weeks have dropped. What is that . We call it a pork rack is the site of the pork loin and that is probably about five to 6 pounds and you are talking about seven or 8 per pound. That has not changed much as far as we are concerned but the prices have gone up tremendously. From a dollar 35 cents to a dollar 45 cents. Reporter it was a tough year but you are starting to see recovery and you should know that this is a legend in chicago he has come to this country, done nothing but work. How long have you had this . 33 years. Reporter just 33 years he doesnt know too much about me. My wife and i are very happy with what we do here. We are proud. You you make a lot of people happy. We try to do make friends with customers and retailers we try to be friends with people and it shows why we are still here. Gerri i want him to save one of those 55dollar per pound steaks for me. That looks awesome. [laughter] we will talk to him about it. Gerri thank you so much. Still to come, the author of the new book that it is encouraging adults to read fire the rest of . Gerri we focus a lot on financial considerations for retirement on the show. How much the same . How do you stretch your retirement dollar . A critical look at another aspect of retirement that many of us ignore. The book is called refire not retire . It is written by Ken Blanchard who joins me now. So im so glad to have you here and i want to start with an excerpt on the book that sums out what you are talking about. You say retiring is an attitude of embracing the years ahead with enthusiasm rather than apathy. How do you reply and how does this apply to todays context . It means that you shouldnt look at age as anything but an opportunity. When we stop learning and growing, you might as well lie down and let them tread the dirt on you now because youre dead anyway. What we want people to do is consider for things when they think about this. First of all, what are you doing emotionally . Are you in the same thing with the same people in the same way . Gerri are you telling me to leave my husband . Is that what this is about a map. [laughter] no, no, now. No. But what are you doing in terms of meeting new people and all of that kind of thing. So stepping out of your comfort zone, going to different comfort zones. So what are you doing intellectually to keep your mind busy. Im trying to learn more about the computer. And there are amazing things. And how are you going to do this in terms of aerobic control and exercise and Different Things like that. And its all kinds of important things that you can ask yourself for what you are interested in. Gerri reading is something that is compelling from your book you say theres nothing wrong with receiving accumulation. What is wrong is when you think that is who you are. And you have to rethink who you are. Thats right, if you think youre all about wealth and recognition, you need more of those to keep yourself going. We think what you ought to do is focus on significant things which is what you do to be more generous with time and talent. Gerri i know those 76 milliondollar baby boomers like to hear about that. There is. Well have that next week. Have a great weekend. Neil welcome, everybody. Im neil cavuto. While jordan is hammering, and im still waiting. Why arent all these other angry arab nations joining . Unless we all keep the anger up, we aint going to take isis down. And James Gilmore knows it. Governor, we have to keep it going, but there are signs that the rest of arab world the moderate muslim nations arent really piling onto help jordan here, what do we make of that . This is an opportunity for president ial leadership if isis is a challenge and threat to the neighbors in the middle east and western civilization that we have to be strong and decisive. You are exactly right. This has to go o