Investments arent alternative investments becoming the Fastest GrowingFund Category attracting 260 billion, 60 billion just this year. Are these alternatives to far off the beaten path . The author of the piece of the dangers you need to be aware of we have Senior Special writer at the wall street journal. Welcome back. I read your story with great interest but this seems every investment the stars with wealthy investors comes down to the middle class is this another case of that . This is the way the big boys play now you have a shot. Something available to only those of many millions of dollars and now there is the retail investments. Gerri what are you investing in . Normally a mutual fund small stocks soared small stocks a whole investment category the uses the strategies of derivatives, or unusual investments such as realestate or junk bonds from private companies. Gerri so with those investments the fees make me sit up to take notice. Investors need to see if they can stomach the fees. For the alternative mutualfund or what a normal fund would cost but if you get to those that are not listed with the Business Development corporations you could pay 10 of commissions or 6 per year. Gerri to those returns make sense . In good times, perhaps with the real issue is with a higher return with what was promised, you get higher risk and what investors have to be careful about if they can stomach the risk. Gerri is this fidelity or vanguard . Some of the mutualfund come from those Like Fidelity but the actual managers are hedged Fund Managers like blackstone or kkr. Gerri it was worse than the broad market last year then to find it better than a hedge fund. It is underperformed. Gerri they tried to give it to us then they Show Marketing and advertising broadly to people. What is your gut . You are the products for . For the more sophisticated investor that have more ready to apportion pareve of the portfolio alternatives to be 20 or less for someone that wants to havel whole range of risk to understand what that means. Gerri we appreciate your time. People catch up with it on the wall street journal but bonuses are getting more rare but guess who gets them now . People who dont deserve that nearly onequarter of workers to underperform also get a financial bonus from the corporate bosses with a senior policy analyst analyst, welcome back to the show. Come on. People getting bonuses . Why is this happening . There could be a few different factors but i hope that some of these firms that give them to employees the policy is to simply give a bonus to every worker but i hope in those situations there are bigger bonuses for those to me to dictations. Gerri but the pool gets smaller every year it is particularly curious that you just given out you think managers are just too afraid to tell people theyre not doing well . We know that workers and employers do better with the incentive based worked environment we know that they grow faster and are more profitable and also report more satisfaction so it is a great thing i can imagine why they would shy away from but they make a big mistake. Gerri but rewording bad behavior does not deserve a then they think why do i work so hard . It is discouraging when you see someone underperforming and getting a bigger bonus that hurts the incentive to do better bet with those reasons as why employers may avoid this house to do with the federal work policies so it makes the most of their job. Gerri will this affect morale . Absolutely. Gerri that than joe comes in late and then hangs up by the water fountain they have to be bummed out . And if i was in a situation like that i would approach my boss looked at the metric san the way i perform my deserved a bigger bonus that affects my contribution and also increase the chances i work harder for the next cycle. We ought to be free to negotiate those between us and our employer. Gerri i believe in incentives based pay but everyones allow you find a corporations. Thank you very much. To american corporations reward incompetency . Photon of righthand side of the screen. Were just Getting Started with more to come. Including advice on the best way to play Office Politics without getting hands dirty in marking eight months since the tragedy in new telekinetic it and still the families have not seen one dime of the of money donated will that change . We will find out. At a dry cleaner, we replaced people with a machine. What . Customers didnt like it. So why do banks do it . Hello . Hello . if your bank doesnt let you talk to a real person 24 7, you need an ally. Hello . 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How would you feel about the breakdown . The families that i represent have said from the beginning the public is very generous when this happens and they want to help the people that is most directly affected those who survive purlieus family members or injured. While they can say they did the right thing, we believe one hunter of the money donated should go to the victims. Gerri that is called donor intent providing for the folks of connecticut say only some of those donations were directly earmarked for families and the rest they did not say anything so we can do whatever we want. That seems to be pretty lucy goosy when it distributes the funds i think most people watched the terrific visual to thought i want to help those families. Dont you . Capsule of the. What is outrageous is the entire process was rigged up to prevent people to give directly to the families. When you went to the united way web site there was a delegate here button not if you want to give to the families or victims or the community it just said donates here and the money would be used for the victims in the long term needs of the community and to be vague like that they set up a scenario that by definition they can do whatever it want. So when they say it was met it is a joke because they deliberately rigged it so it would be fake. Gerri the learning curve for donors is pretty high. If you were going to give money come on your check you have to right what you want it to go to or you have no hope of it going to the right place. It is a crapshoot. It did be that is why the families that i represent suggest there needs to be a National Compassion fund like the boston one find it is Crystal Clear that would have to percent of the money goes to the victims propose to donated to the boston 15 and went to the present without question it would go to the victims period end of sentence that is not the case here in newtown or pretty much anywhere else certainly going back to columbine. Gerri is youre waiting next week to hear from this foundation if the families will receive the money that was intended for them . Correct. Gerri we will follow this story. Figure for coming on. I am astonished the way this has been handled. In boston it was done much better. Figure for being with us today. Our hearts go out to the families. Coming up later in the show how much truth issued you expect from the labels on your food . Have you work of a job without getting your hands dirty . Copd makes it hard to breathe. But with advair, im breathing better. So now i can help make this a great block party. [ male announce ] advair is clinically proven to help significantly improve lung function. Unlike most copd medications, advair contains both an antiinflammatory and a longacting bronchodilator working together to help improve your lung function all day. Advair wont replace fastacting inhalers for sudden symptoms and should not bused more than twice a day. People with copd taking advair may have a higher chance of pneumonia. Advair may incrse your risk of osteoporosis some eye prlems. Tell your doctor if you have a heart condition or high Blood Pressure before taking advair. Ask your doctor if including advair could help impro your lung function. [ male announcer ] Advair Diskus fluticasone propionate and salmeterol inhalation powder. Get your first prescription free a save on refills at advaircopd. Com. Forget washington. A playbook to get ahead in the workplace without getting your hands dirty. Gerri Office Politics can be dirty but the struggle for power existed you participate or not. How you play the game during advantage . We have Career Coaching and strategist. Welcome to the show. With Office Politics people think is a dirty game but you cannot rise above the fray . No. It is nothing more than creating relationships or Strategic Alliances. Regardless if you are in the office or a club for family or friends if exist everywhere. Gerri women in particular are reluctant because they think i will be judged on the basis of my work but if you were there you are participating. Is a matter of how you play you are part of politics just by being there and oftentimes people feel is a dirty game and it does not need to be but you have to conduct yourself in a way that focuses on getting the job done to form a Strategic Alliance and forming relationships. But then people missed the of bigger point judge ito relationships with coworkers you have to judge that as well. Absolutely. That mr. Nobody is the automaton. Everybody likes to work with who they like. Gerri how do we go astray or what do we do wrong to get into trouble . We make too big of a deal. So you have to accept it. Second, dont take is so serious. You are forming relationships focus to get the job done and what you need to do you are in a much better position. Gerri keep your political nose clean. Remember the golden rule repeople the way you wish people to treat you. Gerri explained what you mean. We all have a new ones to our personality sometimes they were great sometimes they dont interrupt being constantly, is speaking out of turn and or saying inappropriate things up the wrong time. If you have the ability. Gerri that is a new ones now . [laughter] stop thinking of your boss . This is interesting for young women that think of the boss as big daddy to lay down the law. Your boss is a person to. They want to know they can rely on you if you stay away from them they will not promote or involve you with big projects and that will hurt your career. Gerri so get involved in the Office Politics but dont just in and around the water cooler to talk about other people. Dont gossip one thing people do wrong is to promote themselves by diminishing others that sometimes a comeback to hurt you. Good to talk to you. Is a time to you disconnect your kids from their smart phone . Also do you really have to . Next. Join us at projectluna. Com [ female announcer ] some people like to pretend a flood could never happen to them. And that their Homeowners Insurance protects them. [ thunder crashes ] it doesnt. Stop pretending. Only Flood Insurance covers floods. Visit floodsmart. Gov pretend to learn your risk. Gerri stands for. Gerri well, listen to this. And chiles on the hook for false advertising. A lawsuit filed claiming pepperidge farms mislabeled as goldfish crackers as natural even nudge contains check to modify soybeans. So the point. Reporter here are rare at the law firm, fox news legal analyst. She has no case here. Pepperidge farms goldfish. I havent tested many of them over the years. You know its not a healthy food. You know that. Even if they put the healthy sign on it. The emphasis on natural, come on it is not a lawsuit in the making. Im going to give you 9 million reasons for why its a very serious matter. In that is because in a case involving a naked jews, they settled a case that had mislabeling issues to 9 million. And it set up a fund for people to give 45 less dependent upon other word. The problem is that they put on that it was natural the genetically manipulated organisms. Actually, unless you change selloff. Make it so that natural has a defined naturalistic definition, which i cant even think of right now obviously. Then there is no case there. With their own going to go back to is he didnt tell us what it meant. Should did mean something . The definition of national. In certain cases the courts have actually gone to the faa with respect to the gm know, as i mentioned before, with many state forays deciding the legislation requiring labeling. They have been answered it. Gerri of want to talk about gm know. If we did not eat modified food were in a petrie dish somewhere they change it, but would not be anything. Well, there are studies going on. It should be the consumer stores. Dressing like to warn of the only nations in the world that doesnt level for food. A 330,000 neuberger that theyre making at a stem cell course of have to worry about that. It should be up to the consumer, and i think that is the trend is going on. The losses of card to go anywhere. Gerri you will come back to you and there will be a report card. Want to talk about another case. This is campbell soup. They have on their soup the American Heart Association healthy food label with enough salt to float above. If you look at the soup can clearly it says two servings. If you have it then the actual lead ramps of sodium. Year after look. If i eat two servings of this is going to be that. 350 calories. So i had one cookie. Gerri this conversation or having. You have to look at the serving size. Disturbing because i dont think people generally do that. You get full and a half a can of soup . You really cant. Put some water into it. Thats your fault. The American Heart Association is taking money in order to approve this which is the allegation which is a very serious allegation. Gerri and this is a private organization representing the medical industry, and if theyre out there labeling things that are not difference, its bad for them. But if he took half the can and added another can of water to it it could be fine for you. At think its misleading. Gerri and a perfect lawyer tonight. Exactly. Gerri said they have an obligation to keep the name claim. The American Heart Association. They should require of themselves. The but a little thing on a saying refillable very carefully you see that. We see it on the shelf. This is good. This is healthy. Unless you have high Blood Pressure. As the part the left out. Gerri you guys are great. Great to have you on the show. Thank you for coming on. Great job. Still thinking about that heart healthy. [laughter] we will read about it. Some Federal Reserve staff may have their vacations cut short. U. S. District court judges it to mention the Federal Reserve, but the new plan on swipe fees. The plan could affect a lot of bottom lines, including yours. Peter barnes joins me with the very latest. Banks and retailers are, again, battling, fighting over swipe fees, the fees the retailers pay banks when customers buy something using their debit cards. Banks collect about 15 billion per year in the swipe fees from retailers under the financial reforms approved by congress in 2010 congress ordered the Federal Reserve which regulates a lot of banks to cut these white piece. The fed did that, cutting them from 0. 44 on an average transaction of 40 to 0. 24. The retailer said that was still too high and they sued the fed in court. Two weeks ago the one. At the time in a statement the bankers called this decision a windfall for retailers, especially the big chains saying the craze contracted out price controls serve one purpose, for the lining the pockets of our nations big box retailer is at the customers expense. But retailers say that the decision will force the fed to cut fees even more which will benefit consumers. It gets passed along. Other promotions, discounts, better customer service. The point is its not going to the retailers bottom line. Is going into making retailers helping them serve their customers better place the judge in the case, by next wednesday how will revise these fees the company plan. He said that fed officials and come back from nantucket, come back from wherever they are on vacation. They can come into the border make a decision, but that decision could be to appeal the judges ruling. Gerri how low can these fees actually go . This is the interesting thing. When the fed first came up with this proposal is set this might be that 0. 12 apiece. So they ended up with 24. The retailers are arguing, list