Transcripts For FBC The Willis Report 20150326

Suit. Comes closer to a verdict. For profit colleges in deep trouble. University of phoenix loses half its students. All that and more coming up on the willis report where consumers are our business. And tonight, what could have made the copilot of a german jetliner lock the pilot out of the cockpit and fly the plane into the mountain. Trying to learn more about Andreas Lubitz why we wanted to destroy the plane. Our adam shapiro has been following the story. Joins me now with the latest. Its important to know that the regulations in europe over the number of people in the cockpit are different up until about an hour ago. Than in the United States. The European Union the zone actually decided that the airlines now will do what the United States already does. When a pilot leaves the cockpit, a steward or stewardess has to go in. Always have to have two people in the cockpit to prevent people from being locked out. That was how it always was but not in europe. The locking mechanism. We know from the investigators. The pilot who was locked out. Was trying to get back in. On the airbus aircraft, you can punch in an electronic code to unlock the door. But a pilot in the cockpit can override that system. So thats something thats being addressed. Finally, gerri, this is something you should know not the first time the pilot has been locked outside the cockpit and the person inside crashed the plane. Happened in Mozambique Airlines in 2013. Then a new zealand pilot was reprimanded he locked his copilot out after an argument. The other crash was ethiopiaian airlines where a pilot locked the other pilot out and crashed the aircraft. Gerri. Thank you so much for that. The story brings new concerns surrounding the mental stability around pilots. Aviation officials in the us rely largely on pilots to selfreport their psychological issues and problems. Why arent mental screenings mandatory . How can you research your own pilot before flying . Were asking mike boyd president of boyd group international. Welcome back to the show. Big headline coming out of europe tonight. The newspaper in germany is reporting that this young man who is the copilot who was at the helm of this plane suffered from depression and took time off from work for that very reason. Whats your reaction tonight . Well that was back in 2009. We dont know what could have happened between now and then. But emotional events can take place in everyones lives that could cause someone to do something crazy like this. Thats why the mental screening is one thing but what is mental screening . Screening for depression for schizophrenia . Its a lot different than giving someone a roar shack test. These things are rare. . im not sure we can avoid them. As long as were letting humans flying airplanes. That wont change. Thats not going to change. The ceo of lufthansa saying that no policy changes were needed. And as adam just reported theyre already making some changes in policies. Are any other changes needed . Well, one of the things we have to throw out right away is this argument that we have to be able to override the cockpit from outside the cockpit thats ridiculous. Is the system that should be there to keep people from coming in. But another thing, having a Flight Attendant in the cockpit does help, but if you have a crazy person in the left seat or right seat and Flight Attendant in the other this, is one more victim involved. Spanish pilots are calling for more training. Are you surprised about that . No. Pilots are the first. When these things happen depend on the pilots unions to be first one to drop the dime to say we need better. They are the leaders. That makes sense to me. Thats reassuring but i tnk eral imnot ure if can x ts kd o aroblm. Gri thk y snd a grter ancegettgurt cki outofour dreway an gtti hu o lane en wththeven th happed or tis wk. Ceainlsafe toe in a ple. I ve t te you wheou ok aiine fetyanks tse dys iisot a ptty picte. 20 saty pplenirlines, the worst in a few years. You look at the jdec rankings lufthansa ranks a u. S. Airline operator until you get to number nine and that is jetblue. What do you make of that . Statistics are statistics reality like for example last year we had a very bad record of people dying because a malaysian airplane disappeared could have been for the same reason this one went down. Another airplane was shot down. Overall when you really look at safety in the air can always be better but right now i would rather be flying than driving my car down the interstate on i95. I want you to respond to something that one of our guests today in varneys show early in the day had to say about issue should the rules be changed. Listen to this. I was surprised to hear that number one, that germanwings does not have a twoman policy. In other words, in u. S. Airlines you have always got to have two people in the cockpit. Nor do they have a deep psychological testing process. Whether it is politically correct or whatever it is, im sure it is going to change very quickly but you can see why it is very important as we understand really happened, why it is important that you do have these ike logical tests. Gerri so that was lt. General tom mcinerney. I played that spot for you because he does suggest maybe, he wants more testing, you dont, but maybe we should do something about these doors to the cockpits. What do you say . No, the doors to the cockpit worked properly. Number one. Having two people in the cockpit does help but the overall, the door system worked way it should work. Unfortunately we had a crazy person on the wrong side of the door. That is one thing. Gerri yeah. The second thing, psychological testing what does that mean . I dont know what that means. This is same person that said it was terrorist event. It really wasnt a terrorist event. It was a crazy person event. I dont know how we can fix that. You fight terrorism but it kind of thing, deep psychological testing might help. But it is not going to a panacea. Gerri mike boyd, thank you for coming on the show tonight. Now we want to know what you think. Heres our question tonight, is Pilot Training rigorous enough . Log on to gerriwillis. Com and vote. I will share results at the end of tonights show. Moving on, i mean moving on in a big way around the globe to the middle east, saudi arabia launching airstrikes in yemen sending price of crude oil soaring, hitting a fiveweek high push gushing past 50 a barrel. Phil flynn, price futures group, Fox News Contributor. Welcome back to the show. Werent we talking about yesterday the possibility of a 20 a barrel . We were. 10, 20 forget that. Throw that out the window. This is a new dynamic. I never bought into the 209 a barrel calls. Most of the people calling for that never thought we would get to 40. I think they became too bearish. I think at the end of the day i think weve seen a significant bottom not just because what is happening in yemen but for a lot of reasons. Gerri tell us what is going on here . How much are they up . What are the underlying fundamental reasons for it . In short term there is no doubt the increased geopolitical risk was the headline today. The thing is, even though yemen isnt a big producer saudi arabia is biggest producer in the world, biggest producer in the opec cartel. Theyre really going against the iran cans of course which be iranians which is the third biggest producer in the opec cartel. You have this clash right now that could really spin out of control. Not only could impact supplies but put a Monkey Wrench and a deal, on iran and their nuclear program. If that happens some of this oil the market was expecting to get when iranian sanctions were lifted will be off the table. That will be develop bullish. Gerri all right how long will this take to get to my gas pump . I would fill up on the way home tonight. Do not wait. It is going to happen right away. In fact i wish we could have filled up this morning. No, will be a really quick runup. I wouldnt be surprised in coming weeks to see gasoline prices go up 10 to 25 cents a gallon. The good nice oil in the 2 heroin 40 to 25 handle most parts of the country. 2 heroin 40. Well. I like it talking about to oil. Good to see you. Thank you. Gerri still more to come to the proxy war in yemen spread to saudi arabia . Send us an email, go to our website, gerriwillis. Com. Well be right back. Shouldnt what makes each of us a unique individual, help individualize our Cancer Treatment . Now through advanced genomic testing, we may be able to pinpoint and diagnose what makes your cancer different, which can reveal precise Treatment Options that were not considered previously. With this important breakthrough at the intersection of science and technology weve arrived at precision Cancer Treatment. 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Citi did not run away from the table like some other bankers did. Citi had the strength to help us go to the credit markets and raise the money. Its a brighter day in detroit. People can see better when theyre out doing their tasks, young people are moving back in town the kids are feeling safer while they walk to school. And folks are making investments and the community is moving forward. 40 of the lights were out, but theyre not out for long. Theyre coming back. Gerri new reports from the middle east. A coalition of countries led by saudi arabia and egypt are poised for a Ground Invasion into yemen. Fighter jets already unleashed devastating airstrikes on rebels overrunning the area. Weve been showing pictures all day. Could the crisis escalate into proxy war between iran and saudi arabia . Were asking former u. N. Ambassador and Fox News Contributor john bolton. Welcome back to the show. Give us the latest on yemen. It has been a proxy war between iran and saudi arabia for some time. This Houthi Coalition in effect dividing country this is proxy and back door of saudi arabia and other Oil Producing monarchies on arabian peninsula. This is desperate situation. I think saudis waited too long. It is significant the Egyptian Government is in there. There are reports of egyptian groups already in the strait between the red sea and gulf of aden. I think that is potentially significant. And it stems in part because saudis and other arabs have given up the notion that United States will do anything significant about Irans Nuclear weapons program. Gerri theyre right on the border of saudi arabia. They have to be nervous about what is going on there. How much is this about sunnis and shiites not getting along together other is this more political than that . It is very complex inside of yemen there is no doubt about it. The state has effectively disintegrated. The houthi are allied with former president of yemen who was once ally of the United States, former president saleh. But i think the real question here is the conflict between iran on the one hand and it is shia and shia related around the region and sunnis and shia. It is religious and military. But at source is the threat of Iranian Nuclear weapon which is es sustention threat not just for israel but for the minds of monarchs producing oil on that side of the gulf too. Mention the fact that the president sitting on the sight lines and john boehner criticizing him for that. Should we take more active role . We should do what we can to aid the saudis. No reason they and egyptians shouldnt carry the burden inch of military action here. This is more a question of politics rather than what specifically well do military. The fact is a iran led by fanatics who have been central bankser of International Terrorism for 35 years now on the verge being legitimate mated politically by the United States and having uranium enrichment capacity legitimated by the United States are direct threat to Oil Producing countries, friends of the United States. Friends of an effort to get a settlement in the middle east. This introduced instability like we havent seen in probably 40 or 50 years. Gerri israel surrounded, nervous worried worried about iran getting a bomb. On and on it goes. Does it escalate here . What happens next . I think saudis egyptians and others see it as their objective to destroy the alHouthi Coalition. To stitch back together some kind of government in yemen acceptable to them. I think they will have the military capability to do it. The real issue is not fighting in yemen though it roiled oil markets. The real issue is Irans Nuclear weapons. It has been and will be. Gerri to that point, ambassador bolton,. What next there . I line up with israelis. I would hate to see that country get i can intoed. But were looking were on the road to that, do i agree. If iran gets Nuclear Weapons, so do the saudis, turks and maybe others. That is very bad situation. There are two options in my view. One is most likely iran gets Nuclear Weapons. The second, either israel or United States uses preemtive military force to preempt that from happening. I argued that in a piece in the new york times. Under the Obama Administration i see zero chance that the United States will use force even if we signed this agreement with iran tomorrow, and they violate it on saturday. So that is why the spotlight is on israel. To see if they will act. They have done twice before, against Nuclear Weapons programs in the hands of hostile states. Gerri on and on it goes. Only getting more dramatic every day. Ambassador bolton, thanks for coming on the show. Thanks for having me. Gerri coming up later, our are home warranties worth it . Do you have one . Federal government talking ecigarettes for first time in new national campaign. Could it lead to an allout ban . Well discuss. Help an oil company overcome minus 47 degree temps, 5 foot ice, and 16 foot waves, to safely keep crude oil flowing 365 days a year. When emerson takes up the challenge its never been done before simply becomes consider it solved. Emerson. You drop 40 grand on a new set of wheels, then. Wham a minivan tbones you. Guess what your Insurance Company will only give you 37thousand to replace it. Depreciation they claim. How can my car depreciate before its first oil change . You ask. Maybe the better question is why do you have that Insurance Company . With Liberty Mutual new car replacement, well replace the full value of your car. See Car Insurance in a whole new light. Liberty mutual insurance. Gerri federal government talking about ecigarettes. They will warn consumers about vaping. We have founder of website, the doctor is in. Dr. Pat, welcome to the show. Show the ad itself, one of them. Get a sense what the government is doing. You see a picture of a woman here. She is quoted as saying, i started using e sig gets cigarettes but kept smoking up until my lung collapsed. People tell you this is a great way to stop smoking. Is it . There actually isnt any good evidence that shows that using ecigarettes, as a nicotine delivery device helps people stop smoking. In fact recent studies make it look like smokers that use ecigarettes less likely to quit than make smokesser who dont. Gerri unbelievable. We reported extensively on the show about some Health Impacts Health Problems especially for children who get burned because they break open one of these ecigs and nicotine inside, the material, burns their skin. Are there other Health Drawbacks here . Oh, sure. Beyond burning your skin nicotine is actually a neurotoxin and as little as teaspoon of the liquid nicotine that people have that they keep in bottles to refill these devices could actually kill a child. Now there has been no deaths yet but, there has been a remarkable increase in the number of calls to Poison Control Centers across the country reporting toxicity poisonings from these, from the nicotine the liquid nicotine. Gerri we had some of those folks on our show, people who run the Poison Centers who take calls in the made i will confident night because some killed rolled over one of these things in their parents bed. Sort of appalling. Only person on this network who doesnt like ecigarettes. I think its a situation where money talks. This is a 2. 5 billion industry right now. They say they should not be harassed by the government. They say the government has no studies to prove it is a problem. How do you answer that . Well i think one of the reasons why we have no studies is because we havent had regulation the relatively new product but if they were regulated, as tobacco is, they would have to prove you know their claims. They would have to particularly if they want to be classified as a officially as a Tobacco Cessation product. They have to do studies to prove that it is safe and that it works. So i actually think that when youre inhaling a toxic substance, even though it doesnt have all the same carcinogens as cigarettes, there is strong reason to believe that these products should be regulated. On another top i can, do you think that these ads will work . I mean, how many people listen to the original Smoking Cessation ads . I dont know. Is this kind of thing that would sway people . Sure. They actually studied it, initial cdc ads of course didnt include ecigarettes but aimed mainly at traditional cigarettes. Actually were responsible for about 100,000 people quitting for at least six months. And another 1. 6 Million People who attempted to quit. So we do know that these kinds of ads work. Theyre not only thing that works but theyre one thing that does have, has been proven to help people stop smoking. Dr. Pat, before you go, give me couple more ways to stop smoking if im thinking about it now. I think using some approved stop smoking devices such as nicotine patches and nicotine gum. They all have efficacy. Not being around people who are smoking. So if all your friends smoke makes it very difficult to quit smoking. Gerri right. Trying to change your milieu so to speak are all things that work. And then, there is, there are counseling programs online that also have been shown to help. But it is not easy. Nicotine is a highly addictive substance. Thats right. And i used the patch. That is what worked for me. Doctor, thank you for coming on. Sure, my pleasure. Gerri programing note for you tonights strange inheritance about two forgotten tv actors who inherit a fortune from an illinois hermit they never met. It makes great discussion for you know packed after the episode. With melissa. Ray had access to the computer. He could have found me. Done anything. But i think the relationship already been there. He knew about my family and dogs names from teen beat magazines. It is all written done this. I think ray was not that man. He was harmless but there are one letter that had direction specifically from the farm right to my house. Gerri strange inheritance airs monday this thursday, 9 00 p. M. Eastern. Shocking attendance numbers at Controversial University of phoenix. How much trouble are forprofit colleges in . Sexual discrimination case rocking the tech world in the hands of a jury. Well have the latest on that big case. Every day, our teams collaborate around the world to actively uncover, discuss and debate investment opportunities. 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To avoid longterm 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 symptoms of an allergic reaction stop taking cialis and get medical help right away. Why pause the moment . Ask your doctor about cialis for daily use. For a free 30tablet trial go to cialis. Com its more than the cloud. Its security and flexibility. Its where great ideas and vital data are stored. With centurylink you get advanced Technology Solutions from a trusted it partner. Including cloud and hosting services all backed by an industry leading Broadband Network and people committed to helping you grow your business. You get a company thats more than just the sum of its parts. Centurylink. Your link to whats next. Gerri welcome back to the willis report. In a moment, how businesses are fighting back against negative Online Reviews, but its time now for a look at other stories in the news. A suspected gas explosion sparked a huge fire and a Building Collapse in new yorks east village just this afternoon. The new York City Fire department saying 12 people were hurt, three are critical. The exact cause still under investigation. And the cockpit recorder is providing details of the final minutes of the germanwings plane that crashed tuesday in the french alps. French 2346g9ers say the copilot deliberately crashed the plane killing all 150 people onboard. European countries are pushing to have two people in the cockpit. The u. S. Already has that rule. And Sergeant Bowe bergdahl says he was tortured by the taliban for five years and blindfolded for months. New details coming from his attorney today. The army has charged him with desertion. The governor of hom declaring a state of oklahoma declaring a state of emergency. Storms left widespread damage, numerous injuries and at least one death. And those are is some of the other stories in the news tonight. And now to a closelywatched sex discrimination lawsuit in california. The outcome of the case could have big implications for workplaces all over the country. Its about ellen pao, a former junior part nor at one of the most storied Venture Capital firms in the country, Kleiner Perkins, the Company Behind amazon and google. Pao is i suing Kleiner Perkins for for sex discrimination. Arthur aidala great to have you on the show here. Thank you. Gerri you said four hours . Four days. Four days. She was on the stand for many days, and the judge here did something thats very atypical. He allowed the jurors to ask her questions. The jurors asked a hundred questions. Thats a lot. Gerri is that a good thing or a bad thing for her . It depends how shes coming across the jury quite frankly. If shes coming across cred credible, a sympathetic, b, then its good for her. If shes coming across im princeton, im harvard law thats her pedigree then its bad for her. But this is all about credibility. Shes saying she didnt get promoted she didnt get advanced gerri [inaudible] she didnt get invited to al gores house because of her gender gerri thats such a bad thing . Theyre saying shes overrated in her own mind and she wasnt invited to those events she wasnt elevated because she wasnt great at what she did. There were people who were better than she was. Gerri heres what Kleiner Perkins Attorney Says she was given every opportunity to succeed, ellen pao failed because of her view of her skills and performance were far different from what they were. Right. So she thought she was great. Gerri we know this. Lets tell it from her point of view. Thats what theyre saying, she thinks she was great, she deserved a b and c, and theyre saying, no. Also whats in her favor is 20 of the leadership at this Venture Capital company is female thats three times higher than the average of the Venture Capital world. Gerri most of Silicon Valley is all knell las. Correct. Thats what shes saying, its a boys club. Gerri heres my view on this, and i dont know how successful these suits typically are, but if youre a Woman Working in a largely male environment, you know that walking in the front door, right . Thats not a surprise to you. T youve got to figure out a way to act and be in that environment so you succeed. There are a lot of hurdles you know going in you have to overcome. But heres the quick, the tricky point. She does testify that there was a plane trip that she was on, and all the guys were talking about playboys and pornography and things like that. That bodes well for her. She was saying there was a ski trip that was office wide, that it was men only and she was excluded. That bodes well for her. So it really is going to depend its the jury is six men six women. The lawyers are two women. I believe the judge is a man. And its going to depend on what these jurors gerri yeah, but, you know, people dont necessarily vote their gender. Usually its the opposite. Usually the men are more productive of the women and vote for the women, and the women gerri really . Oh, yeah. Like in a rape case the big misnomer is, oh, you want women jurors. Not necessarily. Men jurors want to defend the victim, defend the woman, and they want to put the guy in jail where the women are like oh, i dont want to put anyone in jail. Gerri so she could win 16 million plus and theres punitive damage on top of that. She could become a multi multimillionaire. Number one, shes got to win liability and the award has to hold water. A judge can reduce it. Gerri i think shes going to be writing opeds with Gloria Steinem for the rest of her life. Thats my view. We call this lawyer lotto. Gerri it totally is. You cant predict whats going to happen. How often do people who claim sexual discrimination, how often do they win . I would say over 90 settle. You dont hear about these cases, right . Nobody wants that to be in the public view. You cant go and find it. Very rarely do these cases come to trial. Gerri arthur, great to have you on it was a pleasure to be here. And i love that color. [laughter] almost like match a little bit, were springish were pushing spring, even though its rainy and miserable outside. [laughter] gerri when we come back are forprofit colleges going the way of the dodo . And as more consumers find their voice online businesses are fighting back against negative reviews in the form of lawsuits. Well have details. But first, heres your consumer gauge with the numbers that mean the most to you. Opportunities arent always obvious. Sometimes they just drop in. Cme group can help you navigate risks and capture opportunities. We enable you to reach Global Markets and drive forward with broader possibilities. Cme group how the world advances. Bring us your baffling. Bring us your audacious. We want your sticky notes, sketchbooks, and scribbles. Lets pin em to the wall. Kick em around. Kick em around, see what happens. Because were in the howdoigetthisstartup offtheground business. The takingyourbusiness globalbusiness. Were in the problemsolving business. 400,000 people ready to help you solve problems while theyre still called opportunities. From figuring it out to getting it done were here to help. In new york state, were reinventing how we do business so businesses can reinvent the world. From pharmaceuticals to 3d prototyping, biotech to clean energy. Whether your business is moving, expanding or just getting started. Only new york offers you zero taxes for 10 years with startup ny business incubators that Partner Companies with universities, and Venture Capital funding for high growth industries. See how new york can grow your business and create jobs. Visit ny. Gov business gerri the largest forprofit university in the country is losing students, lots of them according to a new report. The university of phoenixs enrollment number has dropped, well significantly in the past five years if you call it dropping by half. With more on this, rob franticment welcome back to the show. Good to be here. Gerri before we get to this topic you and taylor swift are an item. One of our course manuals for the s. A. T. , we talk about one of her songs using poor grammar gerri whats the song . Its called fearless, came out a couple years ago. Great song, and were big fans but poor grammar does not get you points on the s. A. T. Gerri and so she took umbrage . Yes, she has. First of all, there was part of the lyric that was incorrect, however, the grammar is still wrong, and were giving away two free tickets for her two biggest grammar lovers. Gerri youre giving away a free to 1989 . How do you do that . That is the new tour gerri oh, to her 1989 tour. Correct. Gerri she has, like, five million followers on twitter. Thats like winning the lottery, i think. [laughter] i do want to talk about this university of phoenix move because this is very controversial. These forprofit colleges have been accused of nefarious doings with public dollars, lets keep in mind. This is student loan money that theyve really frittered away. Yep. Gerri tell us whats going on here. A couple things. University of phoenix had Great Success 20082010, redefining online education, but 13 of all the students in college and graduate school are enrolled in online courses however theyre taking up nearly 30 of the Student Loans coming out from the federal government with a nearly 50 default rate. Gerri so they default, and they dont graduate, right . Its sad because weve talked about ballooning debts or dont have a degree or have the degree and didnt get the gainful employment, many of those students are coming from forprofits. Gerri what is the future of forprofit schools . I dont think all are created equal. There are some exceptional schools, university of Southern California university of North Carolina has a business mba done completely online. An undergraduate school, which we are big fans of, called the mier in v. A. Project, we are big fans of gerri you know what i hear you saying is most of these are bricks and mortar schools that have launched an online element to what theyre doing and that seems to work better. It does work better, and its complementary because brick and mortar schools are not going to grow that far, so they can grow fairly rapidly with an online platform, and they can do it well. University of phoenix is not one of them. Gerri how do i know whos good and whos bad . Besides buying your book . Well, do your due diligence. The focus that you put on finding enough data on college or graduate school, you have to do the same thing online. It doesnt excuse you just because its easier to enroll in a class. Gerri rob, thank you so much for being with us tonight. You and taylor swift [laughter] pleasure youre blushing. Fearless. Gerri thats amazing. All right. You may want to think twice the next time you post an online review, especially a negative one, because you could be sued. A virginia dog owner was slapped with a 65,000 defamation suit for posting bad Online Reviews of a Dog Obedience School that she says didnt work. Joining me now, vera gibbons. Personal finance expert. What happened here . She didnt like the Dog Obedience School. [laughter] she was trying to make her dog, apparently, more social, and the trainer, the woman who owned this company dog tranquility, put the dog in a class that she didnt think was appropriate so she complained about it on yelp and some of these other sites and now shes up against a 65,000 lawsuit. Crazy. Gerri yeah, it is crazy. Theres a lot of reaction against this online because there are other people who are fans of the same service, right . Its amazing, i did a quick search, there were Something Like a thousand comments in regards to the Washington Post site and negative backlash going on. I think this woman took the wrong course of action suing an actual customer for a huge sum of money. What she should have done is a rebuttal maybe issue a refund, make nice with your consumers dont all yen nate them further alienate them further. Gerri was there any evidence that might have happened, look, is there something we can do here . There is some evidence. Apparently, she offered a credit, but from my perspective from what ive seen it sounds like this woman just wanted a refund. It was 175 it cant work for her, her dog wasnt happy, nobody was happy so she should have gotten the refund, in my opinion. Gerri should have gotten the refund. So whats your advice to people out there who want to complain online and dont want to be sued for 65,000 . [laughter] it seems to me like its my First Amendment right, you know . Yes. Gerri because thats what these web sites are for. Right. This is what these web sites are for. The vast majority of people who post reviews on these web sites are legitimate people like you and me, over 95 are people who are legitimate. They want to express the good the bad, the ugly. This is what these sites are for, and the vast majority of Internet Users use them to make an educated informed decision about Hotels Restaurants bars hair dressers dentists. So this is what theyre for and consumers how old continue to use them gerri i can see, though, as a Business Owner just as theyre very important to consumers, theyre also very important to the Business Owner, right . And you probably rely on a lot of your traffic on these web sites. One negative review probably turns away a lot of people. Right. I mean, the businesses are hugely reliant on these reviews to drive business to get people into their shops, into their stores and that type of thing. Number one is word of mouth. Number two is consumer reviews, so from a company perspective, yes they want these reviews to all be pretty and clean and five stars, but unfortunately when i go on there we want to see the good, the bad and the ugly. I dont trust a company that has all five stars. I want to see some negative with some positive. A nice mix, and then i want to make my own decision on my own. Gerri thats a mature reaction vera, i appreciate that. [laughter] thank you so much. Thanks gerri. Gerri still to come, we answer the question how do you do that. Well have advice on tapping those whole home warranties, have you heard of those . Well tell you whether theyre even worth it in the first place. More on that in a minute. You cant predict the market. But at t. Rowe price weve helped guide our clients through good times and bad. Our experienced investment professionals are one reason over 85 of our mutual funds beat their 10year lipper averages. So in a variety of markets we can help you feel confident. 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So, call now request your free guide, and explore the range of aarp Medicare Supplement plans to choose from based on your needs and budget. Sixtyfive may get all e attention, but now is a good time to start thinking about how you want things to be. [ male announcer ] go long™. Gerri home warranties not warranties on a product but on your whole house. Theyre supposed to provide peace of mind in case of an unexpected repair but it seems like the only thing they provide is a headache when homeowners try to use them. So how do you decide if theyre worth it . Here with his advice tom crimer. Good to have you here. So we hear a lot online about how bad these things are. What do you make of them, are they worth the money . Not really. [laughter] gerri thats an honest answer, i like to hear that. You know, theyre one of the most complainedabout categories on some consumer web sites, and you say how can they be so popular . Theyre popular with home sellers. Theyre a selling tool. You put your house on the market, maybe its an older house youre worried about things breaking down during this transaction, they put the warranty on to pass it on to the prospective buyer. Gerri but the problem is making good on that. Lets Say Something goes wrong with the house and you trying to get something sticked, its going to be hard to do, right . It can be. There are things they do cover and theres only a couple of reasons i think it makes sense to have this. If you have no extra money to do any repairs on the house then maybe gerri how much do they cost . Well, the warranties are like 5 600. Gerri so were talking about a big fix. 50 a month. If everything is old in your house and theres no preexisting condition for age, that might make it a good reason to buy it and, of course, if youre putting your house on the market, they are attractive to home buyers. Gerri even though they may not know theyre difficult to use. Yep. Gerri so if you want to purchase a home with a warranty is this a way to do that that makes sense . Well, listen its kind of what you get is what you get, but the devil is in the details. Theres a lot of things that these warranties dont cover, and you have to be careful to understand what it does and doesnt do. Gerri tell me about that. Well, for example i had a Family Member that had one of these warranties last winter terrible winter. Furnace goes out. The warranty was supposed to cover installation and the new furnace gerri and . The serviceman says, yeah but it doesnt cover modifications. Well whats a modification . They called modification removing and reconnecting the electrical wire, the gas pipe and removing and reconnecting the duct. Thats not a modification, thats what it takes to install a furnace. Gerri wow. So the whole bill was not covered . Just that, but they ended up tacking on about 600 to the cost of the replacement. It cost her 600 for the modification. Gerri so thats a big devil in the details, if you ask me. Anything you want to mention specific here . Well, if youve bought a house and its really old and youre concerned about making sure nothing really goes wrong with it and you dont have any money, thats really the only time it makes sense to have a home warranty. Other than that i think youre better off thinking about this. Appliances, right . Thats one of the things it covers, Appliance Service contracts almost never make sense. Set money aside for that. Buy on your credit card, theyll double the gerri and you can pay anything you want to for an appliance. You can go low end, midrange, high end exactly. Gerri you dont have to spend a million dollars. Heating and cooling systems thats something you want covered so why not get a Service Contract through your local hvac pro . Now roofs, if you have a big storm and you get a leak, you dont need a warranty, thats covered by your homeowners insurance. Gerri what great advice. I think thats terrific. I think people look for an allinone solution, and often thats just not the case. When you become a homeowner, you have to have a Million People that you work with to keep that house in shape. You need a team. Gerri absolutely. Tom thanks for coming on the show. Youre welcome. Gerri and now we want to hear from you. The cockpit voice recorder is providing details of that terrifying time, the final minutes of Germanwings Flight 9525 leading prosecutors to say that copilot caused the crash. Is Pilot Training is it rigorous enough . Heres what some of you are tweeting me on our poll question tonight. Arthur says no, there should be more testing. Donald asks what about the technology built into members today . Planes today . Isnt it almost foolproof if you have a brain . And on Facebook Annie writes this it seems commercial pilots should be required to have periodic psych evaluations in order to retain flying eligibility. They certainly have physical checkouts all the time. But rick says this yes it appears to be sufficient for a copilot. The issue here may be that of a detailed background check that may have raised red flags. Interesting conversation. In addition to following me on twitter and facebook, be sure to like fox business on facebook. And now we want to hear from you. Here are some of your emails on the Hillary Clinton email scandal. This is no longer a question as to whether clinton has broken a whole series of laws, it is one of whether our elected officials can do anything about it and gene from new york says any Government Official who puts any official government business on their private email site exposes all private emails to public scrutiny. In other words, when private and public emails become comingled, the site or server server in this case has to be considered Public Domain or ownership. I agree with that jean. And heres robert from georgia i have had two email accounts on my computer for five years with absolutely no problem. Hillary is obfuscating. The real reason . No accountability. We love hearing from you. Send me an email, gerriwillis. Com. Well be right back with a look at how taylor swift seems to be going back on her principles. Her latest move, coming up. Hi, tom. Hows the College Visit . Does it make the short list . Yeah, im afraid so. Its okay. This is what weve been planning for. Knowing our clients personally is why edward jones is the big company that doesnt act that way. The real question that needs to be asked is what is it that we can do that is impactful . What the cloud enables is computing to empower cancer researchers. It used to take two weeks to sequence and analyze a genome; with the microsoft cloud we can analyze 100 per day. Whatever i can do to help compute a cure for cancer, thats what id like to do. Get fastacting, longlasting relief from heartburn with it neutralizes stomach acid and is the only product that forms a protective barrier that helps keep stomach acid in the stomach where it belongs. For fastacting, longlasting relief. Try gaviscon®. Gerri a french Prosecutor Says the copilot of the germanwings plane intentionally crashed it into a mountain, killing all 150 people onboard. When it comes to Airline Safety is Pilot Training rigorous enough . 55 of you said yes. 45 said, no. Pretty split. Log on to gerriwillis. Com for our online question every weekday. And football fans listen up. Major changes could be on the way for the most boring play in the game, the extra point. Nfl owners meeting this week making major announcements including the end of the blackout rule, but the owners seemed eager to change the p. A. T. , changes that could happen at the may meeting and be implemented this season. I hope i said that right. Among the possibilities are moving back to the line of scrimmage for extra point kicks and eliminating the kicks entirely. Changes to the twopoint conversion may be included as well. Currently the line of scrimmage for both is the 2yard line. Now voted down is the proposal is each team get a chance in overtime. Taw hour swift yanked her music off spotify last year, but now streaming her music is possible on a site youve probably never heard of but youve definitely heard of the guy who just bought it, jayz. And unlike spotify, the price tag for streaming music on title is pretty high 20 a month. But if it keeps signing big stars like taylor swift, it could be real competition. Thats it for tonights willis report. Dont forget to dvr the show if you cant catch us live. Charles payne is coming up next with making money with charles payne. We will see you tomorrow. Charles im charles payne, and youre watching making money. Well the markets continue to struggle in part because of the spike in crude oil and war back on the table. Saudi arabia taking matters into their own hands, leading a tennation coalition to send the advance of the huety rebels in yemen, the whole country is falling completely apart. Crude oil roaring higher after forming a double bottom. Ive got to tell you manager, maybe its a coincidence but this one chart pattern always seems to work, and since then crude oil has gone significantly higher. Another problem for the market today, earnings warning. Were back in earnings Warning System as sandisk got clobbered on a warning