For purchases made november 1st, to 31st. Adam gerri getting it across the country. They try to be more generous. Short window for electronics, 14, 15 days. Best buy 15. Staples, 15. Target 30 days down from 45 couple years ago. You may have a shortened window for electronic returns. Gerri those are toughest people. At end of the people when we talk about retailers who are most persnickety taking things back. They dont want people getting a hot new digital camera, taking it on vacation and returning after the fact. It does happen. Fraud is problem. Gerri what about dresses . Wardrobing is a huge problem. This is 9 billiondollar a year. Go to fancy department store, sachs, buy a dress, where it to fancy party witha the deodorant stains, bring it back next day. One in six women admit to wardrobing. 65 of retailers according to the National Retail federation experienced consumers doing this. This is a big, big problem. Gerri shoplift is a big problem. We have a lot of issues in the retail sector. What makes me think returning items may be difficult. What kind of policies i need to be aware of . Somebody who is buying for other people who may want to return . Time frame is obviously huge. Want to know, it is a little bit confusing. Have to have the receipt. Proof of purchase. Need to know difference between online and bricks and mortar. There may be different policies for different products within the same store. Itan is very confusing for consumers. All buried in the fine print. Gerri absolutely. You have an app that we can use that will be very helpful. Return guru. If yourer interested in trackg this stuff. You take a picture of receipt. It will let you know, via text message or alert when the window is about to close. Particularly important if you got the electronics. Gerri thats a great idea. Well talk about places easy to return to. I like this list. This is good list. Anthropology, bloomingdales. Despite thego fact they actually do have those annoying Little Things on dresses. You cant dot wardrobing. Gerri put in place and hide it when you wear it. Forget the dresses for a second. I think young have to be careful where you shop. Recently bought a pair of shoes. The heel broke in a way that it shouldnt have. Uhoh. Gerri i took it back to the retailer. I didnt have a receipt. I had nothing. What retailer was that at . Gerri this is nordstrom. I will call them out they did a great job. Nordstrom is on top list of retailers. They take things back anytime. Gerri that is what i was going to say. My experience with a specific item, these shoes, they took them back no questions asked. Went through theer own electronic records. Found something that liked like a purchase. They werent sure. They let me exchange the item anyway. This is unusual. Theyre very generous. Sets of retailers are far around in between. L. L. Bean, lands end. Anthropology. Zappos. Rei used to be fabulous taking anything back. Gerri not anymore . They have actually shortened window. Now you have a year which to make the return. They had people returning counterfeits. Problem with cereal serial returners. Return something a privilege, not a right. People abuse the privilege more difficult for everybody else. Gerri people like you and me. Thats right. Vera, great job. Great information. Appreciate your time. Santa claus has naughty or nice list but Consumer Reports is revealing which companies deserve a lump of coal and which deserve praise this year. Here with their Fourth Annual naughty and nice list, todd marks, Senior Editor for Consumer Reports. Great to have you back, todd. I love this list every year. Like the truth sayers list, you know what i mean . You really look at companies withk. An eye how they treat consumers and what they have done t this year. Lets get right down to it. Amazon is not a good guy it year. Why . Their policy got them on the naughty list this year, gerri, was their, they have raised the requirement for super saver ship shipping on he will babble items by 10 to 35. This is the company, 11th largest retailer in the world, earned 61,000 61 billion in sales. I think, one wonders why they raised it. But then again, it may encourage more people to purchase amazon prime which actually is a paid service, expedited shipping but 79 a year. Gerri theyre trying to push us into that program probably. So best buy, the traders love this company. Do you like it . Well best buy is an interesting one this year because the Electronics Chain has a very stern warning for customers who plan to make a return. It is about their return policy. Even if you have a receipt, you will need to present a photo i. D. And best buy, then retains the right to take the information from your i. D. And store it in its database to track future returns. Gerri oh. Based on future return and exchange patterns, some customers will actually be warned, that they will not be eligible for return for 90 days. That. Is pretty harsh. Gerri so theyre trying to stop people from returning everything they get i guess. Wow, that is annoying. Then you have to give emthis information too which i dont like. Yeah. Gerri walmart, even though they take a very tough rap from a lot of new york journalists but you have something positive to say . Walmart does a lot of things good. This year when they set upng the Layaway Program they enter ad consumer friendly twist. Eliminated the administrative fee which is typically required to open an account. Last year walmart charged 5 a service fee to open the layaway account but they did away with it. We thought that was nice. But on the flipside if you need to, if you have to cancel, theres 10dollar fee which didnt exist last year. For most people the fact they dont have to put down any money to open the account this year was a nice thing. Gerri yeah, makes a lot of sense. Talk about airlines, naughty and nice what do you think . Airlines are taking it on the chin. Gerri yeah. Southwest gets props this year because they offer flexibility if you need to switch flights. You can modify your itinerary without time restriction and simply pay the difference in cost between fares, the new fare, versus old fare. At some airlines if you want to switch flights it can cost you hundreds of dollars. Gerri yes, it can be very expensive. United, positive things to say . The interesting thing about united this year, for most of us i thinkhi we can understand that you get a little bit of a perk have special needs and you want to preboard and people with children under four usually getnd a preferential spot. This time around united done away with that if youre traveling with a child four years old or under, well, youre going to have to wait until it is your zone. Gerri okay. Todd, thank you for tracking that. My pleasure. Gerri love that feature. Much more to come this hour including a new warning for drivers this winter. If you drive you wont want to miss this. Later if you want to get in on the next big thing and make a lot of money doing, it well tell you how to become an Angel Investor. vo you are a business pro. You can separate runwayridi. Seeker of the sublime. From fason that flies off the shelves. And you. Rent from tional. Because only national lets y choose a car in the aisle. And go. You can even take a fullsize or above,nd still pay the midsize price. natalie ooooh, i like your style. vo so do we, business pro. So do we. Go national. Go like a pro. natalie ooooh, i like your style. [ male announcer ] if we could see energy. What would we see . The billions of gallons ofuel that get us to work. Wed see all the electricity flowing through the devices that connect us and teach us. Wed see thatlmost 100 of medical plastics are made from oil and natural gas. Wed see thatlmost 100 of medical plastics anan industry that supports almost 10 million americanobs. Life takes energy. And no one applies more technology to produce American Energy and refine it more efficiently than exxonmobil. Because using energy responsibly has never been more important. Energy lives here. Gerri frigid weather has been blasting much of the country already with winter just gypping this week butee if you havent winnerrized your car yet, how do you do that . Lauren fix, the car coach is here with need to know advice. Welcome, i have a brand spanking new car what do i need to do . Lets get down on this. Check the cooling system . Right. Well if your car is brand new, bought it six months ago the cooling system is fine. If your vehicle is yearandahalf old i would have the cooling system checked because depending upon what you purchased, if you buy a highend vehicle you have lifetime coolant. But if you have a vehicle that has the old green fluid in it, highly likely it needs to be checked being possibly replaced. Find an ase certify technician who can do that for you at reasonable price. Gerri i like that. Change your oil. A absolutely. Synthetic oil, this is the time. If you have high mileage cars, full Synthetic Oil is absolutely the wisest choice. As well as other other nine fluids. Gerri there is lot of fluids. But battery. Can happen. You go out to start the car in the morning. There is six inches of snow on the ground. The car is not starting. That is the biggest ache a lot of people have. Remember those heavy, cold temperatures, that makes it harder for your engine to start and harder for the battery to do the job. Last few times you started your car you said you know, been a little difficult, now is the time to have the battery replaced. Heres a tip to save money. Go to the Favorite Auto Parts store they replace the battery for free, buy the battery. Simple to do unless you have something uniquela like a dodge viper where they have to have technician do it for you. Which i wouldnt drive in the winter. Gerri most of it is really complicated these days because there a are electronic componens in the way. Oneat thing you suggest here i think is critical is the windshield wiper. They get broken an messed up this came of year with all the ice on the windshield. Tough be careful about that. Right. 80 of your driving decisions are based on visibility. Having wiper blades or beam blades you dont see the moving components. Best choice you can get. Any auto store parts store installs for free, just purchase the blades. Remember the whitehead loads that come at you looking bright, those are best. Use the low beams in snowy weather, not the high beams. I hate the headlights though. I cant see a darn thing. Good for now. Not good for someone gerri a exactly. Invest in winter tires. What do i need to know about those . Winter tires make a lot of sense f you see winter two to three times a year, make sense in buying winter tires. Not buying cheapy tires and you get exactly what you pay for, pretty much true in any product. Buying 69dollars tire you get 69 snow tires. I purchased four new snow tires for allwheel drive. I live in buffalo. That is where i am today. It is snowing like crazy and my daughter driving home from college. She has four snows on the car. People are all over the road and in the ditch. If youre driving in snow, get winter tires. Gerri i like the all wheel drive. Want to ask you about something. Yeah. Gerri you. Are the perfect person i think. Gm, has just put a woman at the head of the company. What do you make of that . Yes. I think mary barra is an excellent choice. She has worked in production. She has worked in design and development. She worked in the full global lineup, look what gm has done, they haveh come a long way. Timing was interesting. It was on top of the 10 billion bailout, or lozengesly of taxpayer dollars, but, the fact that this is a very, very positive thing. She is a Perfect Choice pour this position. I think she will make some positive changes for gm and as she says, no more crappy cars. Well build cars people want. She is young. Enthusiastic and has great ideas. Im looking forward to see what she has to do. Gerri lauren, well be watching i think. It will be interesting to see what she does and how she does it. She looks real young. Tanks for coming on, lauren. Good to have you on the show. She is. Thank you. Gerri are you keeping your car in the garage and traveling by air . If so, be ready to pony up to pay travel taxes. For some cities you will have to dig pretty deep in those pockets. That story is my top five. Number five, chicago the windy city is always expensive for travelers and tourists. Number four, minneapolis. The city has high fees for lodging, rental cars and food. Number three, indianapolis. Travel related taxes total more than 18 bug as day here. Number two, boston, new england visitors, get ready to pay more than 19 bucks a day in travel taxes. And city, you will not believe this, the city with highest taxes to travel, it is portland, oregon. According to the Global Business travel association, a visitor there paid nearly 23 bucks a day in taxes. Later in the show, have you ever considered rating your marriage on a scale of one to 10 . Well tell you why it may be a good idea. Next, making a lot of money on the next big thing getting your investment in early. So how do you do that . Expert advice coming up. Gerri got wings . Dreaming of becoming a successful Angel Investor . Well epyou get off the ground and flying after the break. Gerri have you come across the next big idea . Well if so, angel investing might be a great option for you. Some of the biggest Angel Investors in history have spotted Great Companies in the making like google, facebook, pinterest. They got in at the ground level and made a ton of dough. So how do yougr do that . Joining me, robert will bank, a board trustee at the angel resource institute. Robert, thanks for joining us tonight. I have to tell you i think everybody in the world wants to do this but they dont know the risks. What does it take to be an Angel Investor . Well the first rule to be, keep in mind you need to ebb an accredited investor. Some of the rules are changing. But that involves having enough wealth so you can afford to lose some of it. Gerri let me repeat that. Thatl you can afford to lose soe of it because this is risky stuff to do. Among Small Business startups one in five fail every year. That is0,000 businesses. In the angel businesses how many businesses fail . In the research that ive done about half of all the investments get made end up losing money. Gerri wow. But when you do win, obviously you can win very large sums of money. It is a matter of staying in the game and investing in multiple companies and investing in a good portfolio. Sprinkle the money around. That leads to the question where do you sprinkle the money . What trend do you get in. The trend is grouping up with different Angel Investor groups around different place in the country. Sectors are different from the city youre in. In one sector city will be good where they are, in another it will be different. So companies you invest in San Francisco might be different than the companies you would do if you were in seattle. Gerri i want to show a list of some of these active angel groups. Theyre all over the country and they have a bunch of different names. Of the Central Texas angel network. Desert angels in arizona. University of maryland, all about as you say businesses that exist on the ground. So if youre in a big medical Device Development area thats what theyre doing. Thats right. Gerri so we found that it takes five years, for a company to make a profit, venture firms wait about that time, or seven years for an ipo there is long lead time for this. You need to be willing to sit on your moneye. For a while . W it is illiquid investing. You cant. Typically put your money and take it out the way you do aou public stock. You will be in the company until there is liquidity event, an exit you either get bought or go public f youre knew to angel investing keep in mind the companies that dont work out that typically happens faster than when things work out. It is important to brace yourself so to speak. Gerri not for the faint of heart obviously. Indeed. Gerri three big sectors, software, health care and retail. The companies coming to the marketco get talked about so mu, a lot of dotcom and business on the web. Yeah. Gerri if i l was going to do ts im not sure that is way i go. I know nasdaq was on fire this year. That is all well and good. I would love to do something fundamental. Is there something in natural gas . Are there opportunities in businesses maybe a little bit more mundane . Absolutely. If you were in north dakota and south dakota right now therebs s a wholea bunch of things in oil and gas. Likewise in texas. Depends on the region youre in and even within those regions you can find groups and find Companies Say in line with your interest and your expertese. The e trick is definitely reachg together, working with people to find specific thingsit in that specific sector. One of the things people forget the reason those Companies Like facebook and the ones you see in the media are reported on so widely because theyre noteworthy. Theyre unusual. There are lots of companies in lots of sectors people do quite well on. F gerri are these companies that people are going to be publicly advertising . We saw new rules coming out from the sec. Are these opportunities well see in the newspaper . Its a good question. I think there is a lot of uncertainty around that right now. The sec is work out exactly what the rules will be and group Angel Investors around the country are looking how the deals and opportunities theyre investing in relate to what will be done in more of a crowd funding fashion. I think mostre of these things n the nearg term will still be doe more private than just sort of advertised online asri a public investment. But over time it remains to be seen how that changes. Gerri robert, thanks for coming on. I hope you come back sometime again so wei talk about this se more. Fascinating y topic. My pleasure. Thanks for having me. Gerri thank you. Coming up why rating your marriage may help you get a true sense of your relationship. You wont want to miss that. Next we tell you how to get your home ready to sell in the new year. Easy and simple ways to make a buck on your own. You make a great team. Its been that way since e day you met. But your erectile dysfunction itld be a question of blood flow. Cialis tadalafil for daily use helps you be Ready Anytime the moments right. You cabe more confident in your ability to be ready. And the same cialis is the only daily ed tablet approved to treat ed and symptoms of bph like needing to go frequently or urgently. Tell your doctor about all your medical conditions and medications, and ask if your heart is healthy enough for sexl activity. Do not take cialis if you take nitrates for chest pain, as this may cause unsafe drop in blood pressure. Do not drink alcohol in excess with cialis. Side effects may include headache, upset stomach, delayed backache or muscle ache. To avoid longterm injury, seek immedte medical hel for an erection lasting more than 4 hours. If you have any suddenecrease or loss in hearing or vision, or if you have any allergic reactions such as rash, hives, swelling of the lips, tongue or throat, or difficulty breathing or swallowing, stop taking cialis and get medical help right away. Ask your doctor about cialis for daily use and a 30tablet free trial. [ male announcer ] they are a glowing example of what it means to the best. And at this special time of year, they shine evenrighter. Come to the winter event and get the mercesbenz youve always wished fo now for an exceptional price. [ santa ho, ho, ho, ho [ male announcer ] lease e 2014 e350 for 579 a month at your local mercedesbenz dealer. Gerri are you looki to put our hon thear g to gerri are you looking to put your home on the market in the . New year . For you can stager home yourself too maximize our offer and sell youw home quickly. Hom how . Xim joining me now, most of todays homeowner. Great to see you. Rped so, okay. Help now, look. I no there are people out there who charge thousands and thousands of dollars. It is one on my street right now td not have to pay that, do you . You really dont. It all starts with the lettering and, believe it or not, depersonalizing. It is one of the things, people love stories. They want to eliminate as much as they possibly can so that you can show the potential buyer they stories storage in the depersonalize asian aspects, you want the potential homeowner to believe that it could be their home. They want to imagine it and it is hard to do with someone elses pictures hanging in the living room. Gerri lycee at the root of my bowling trophy . [laughter] gerri exactly, but youre talking about things there are really personalized. They cant really see what is going on, and you have to take out more than you expect, i think. At the end of the day really make a bare bones of the you can get a sense of the space, maybe even downsize furniture and put it stores. You have to deep water and make everything look smaller so that the house looks bigger. Not just boxing enough, but a friend or relative letting east tour that their house, just so you have a more spacious look to your house, garage, attic and all aspects. Theyre looking in every aspect of that home. Gerri were showing pictures of mention right now. Maybe that is where we are moving to after we sell, but lets talk about the outside. What do you do to the exterior to welcome people . I tell you what, curb appeal still matters. So many potential buyers will drive by before they commit to going in and beating and looking inside, so make sure it is welcoming. Cut back tribes that you may have. The mailboxes a simple thing, but make sure it looks it. Clean debt clean it up, painted come up with new numbers on the wall by the front door, paint the front door, make sure things are welcoming. Gerri i want to ask you, some people say painted a bright color like a red or yellow. Do you like that . I think it is a good idea, but that can go wrong so quick. Mustard color dorris and bright gold. Some people like it. Some people did not. I believe it may save color that complements the rest. You do not want to get too far. Gerri i read that yellow is a color that attracts buyers. It is warm, puts people in a good mood. Is that true . We recently did a curb appeal show, and repainted it. It looked just like mustard, and everyone loved it. We get some minimills and compliments, so there is something to be said about it. It must be sitting in some way, especially if you like hot dogs. [laughter] gerri what about red flags. Anything to watch out for . We talked about clutter. I tell you, anything that shows neglect or shows that may be the existing homeowner has not taken care of things will erode the confidence of potential buyer. If they can see certain things that are showing neglect they start worrying about things that they cannot see, roofing, he and cooling, foundation, things that can easily be discovered that disguised. Gerri not just what he conceived of what you can smell of the mold, must be, people i immediately begin that there is problem. Absolutely which is truly the three most important words when youre selling your home, clean, clean, clean. If you have pets, you may not realize that there may be smells. You want to do everything as you can to neutralize odors coming clean everything and everywhere that you possibly plan can. Windows and sign it inside and out, everything is you possibly can will make that potential buyers a you know what, these people have really taken care of this house. Gerri how would you rate your marriage . Relationships and marriage experts believe that scoring specific areas could strengthen the marriage, but how can you do this . Joining me now, marriage and therapists, here is my question, and i read every word of the story in the wall street journal. Can you really boil young married down to one number . Well, it is not about boiling down the marriage to one member because you cannot. The idea is boiling down the different topics to one specific number, whether it is communication, zero to five, commotions, physical, sexual, all of these aspects of the marriage, you can write them. Gerri here is what happens. Dagata my has been then say, hey, lets rate our marriage and hes like, what . Aae you crazy . That is not how youre going to do it. Let me tell you. The three steps. Number one, save something really positive about your husband. You are a great cut in i appreciate you. I love you. Step number two, you Say Something positive about the relationship. I love and the value us. That is what leads us to step number three which is talking about the lee and the eye in terms of what i can do. So i have noticed that our intimacy is not where it can be, and i love us so much i know that they can improve and i know i can take actions. Lets work on it together. Those are the steps instead of saying lets make this improvement now. They just become defensive. Gerri i was looking bored to that. The benefit of this, the payoff of this is what . Because you are putting yourself at risk, emotionally putting yourself out there. I want to try to do this as a penalty of being laughed at or otherwise assist. At the end of the day can you really make progress on some of the issues . You are exposing yourself, putting yourself out there, and vulnerable. The answer is by exposing vulnerability, by specifically stating what your number is, you offer the opportunity for clarity, conflict conflict solution resolution, problem solution resolution by truly recognizing what the number is. We cannot take action on our problems and tell we acknowledge what they are, confront what they are and admit what they are. Then we can take action. Gerri knowledge, confronted a madman. I got it. Interesting, fascinating, and i know people want to talk about these issues. This is one way to do it. Thank you for coming on. My pleasure. Gerri when we come back with the super bowl just around the corner, whole new way to buy tickets from sporting for sporting events taking its cue from the market. This is the quicksilver cash back card from capital one. Its not the juggle a bunch of rotating categories card. Its not the sign up for rewards each quarter card. Its the nogames, nomessinground, noearninglimithaving, doilooklikeimjoking, turboboosting, heavyweightchampion ofthewor cash back card. Thiss the quicksilver cash back card from capital one. Unlimited 1. 5 cash back on every purchase, everywhere, every single day. Now tell me, whats in your wallet . [knock] no one was at home, but on the Kitchen Table sat three insurance policies. The first had lots of coverage. The second, only a little. But the third was. Just right bear hi yeah, we love visirs. Thats why we moved to a secluded house in the middle of the wilderness. Just the right coverage at just the right price. Coverage checker from progressive. Gerri attending the super bowl is something you may dream of, and a hefty price can be a deterrent, especially if your team does not make it then. There is company allowing you to purchase an option to buy a ticket so you can hedge your bets. Here with all of the details, the ceo of ford market media. Tell us how this works. Thanks. Great to be in the big apple. It works like a reservation system. Really quite simple. We pick the team that we will follow. Most have a Favorite Team which will trigger them coming for the game. Gerri lesser of preservation and then the option. We put money of the opportunity by ticket. All you really care about is, is my team getting in the super bowl. You dont pay the whole price of a ticket if your team does not give them. On the other hand and you lose the money from the auction. Says many people say, there is an advantage to the secondary market come able to of way in the early part of the season our preseason. Gerri panera g. How cheap . 20 you could have locked in. Nap, what would you pay on top of that . If you actually bought one of the winning teams, one of the teams that was going to pay to play, with the of the pony up more go . Yes. Gerri how much higher do those tickets go over face are you . Typically three to talk 35 face value. Gerri lets take a look at some of the prices to my mezzanine clublevel, at 2,600, last year nor lens, 1,250. This is pointing and something else. In new york city the cost will be through the roof. Phenomenal, and not just for the tickets. The markets support logic, you can pick your favorite hotel. Youre coming to new york for that superable event you might want to take in of Broadway Musical and you need other services from limousine services. You might want to see the play then makes the night before. All of those are forward markets as we refer to them were the individual fan can build their own personalized package. Gerri the nfl is not happy with you. They say that the tickets should come from them more ticketmaster. Why is it that they have a beef with the . Of of the doe wants to use the media. Reread technology company. We not make markets. We able markets. Theyre held in many hands. They accrue to different parties in different ways. In the case of the Hilton Meadowlands the ownership owns the lands. I think one of the great forward markets is too moderate and 50 parking spots, covered parking spots. Gerri i dont know what you could charge for that, but i am sure it is a pretty penny. Our mission is not to please a specific sports property but deliver value to the fans as well as in days brands that surround that events. Gerri that was the trouble in 2009 with a similar technology. It happened. People lost money. Why wont that happen this time . All of the goods are owned and controlled by the original price older. The Hilton Meadowlands, the book of mormon, they control the underlying assets. And talking about financial markets, there is no shoreside. There is only so many of these deliverable assets. Gerri there is a limit. At that point the market place drives a completely transparent market place. It is a fascinatingrks out. Thank you for coming on. And still to come, good news for people saving for retirement. Good news. And next, our hospitals telling you everything when it comes to your bills . New laws and we will have the detai gerri emergency rooms, a startling numbers and the costs of simple procedures in 60 seconds. Dont go away. Gerri a littlenoticed provision of obamacare, it wasl really a pretty decent consumer protection, no kidding, something good. To hospitals have to review chargem , everything in from a stitches to and appendectomy. If you look on line, as we didif you will be lucky to find muchbe of anything about hospitalnng prices that makes sense. Joining me now, the new yorkwitt cardiac diagnostic center newer cardiac diagnostic center. So these hospitals are required to devote information. I went online and i couldnt understand a thing that i saw. If you can get through the website, goood luck to you. I sure could not. You know, it has to be transparent. Before you could be admitted and have no clue what the cost is. I think its a good move from obamacare that we are now starting to push hospitals in particular to be very transparent and open about pricing. You cant find the numbers and that is the problem. Lets talk about why that might be important, particularly in the world of obamacare and you want to be known what you want charged because you could save money. Absolutely. With obamacare, a lot of the new plans have high deductibles and before the insurance, you may have to pay that initially upfront. And you may have a third of the price of what they are charging at the hospital. Its important to ask questions. Gerri why are these hospitals so reluctant to give out this information . There is a good reason. They dont want to know what they are doing. And they arejust trying to take what they can get. They are gouging customers . P absolutely. You ask for these procedures, you can see the private practice in theospital. It is two to three times as expensive and they claim that they cant release the information and that is a bunch of you know what. They can release the information that they dont want to. Gerri here is an example of a big markup. Severe blood disorder case, a lot of work to be done at the university hospital. 2. 8 million, the cost of the hospital is 918,000. That is pretty steep. Yes, that is steep and a complicated situation. If youre looking at severe serious illnesses, it should be controlled, but is not alwys enough. Its a big markup. If someone says they ae charging 50 or 40 for tylenol, they ask questions and there are people that can advocate you to do that. Gerri you are saying this is that were a real example. They actually do charge an incredible markup even on aspirin. And showing you some price comparisons of what is going on here. The range of prices that are in the market place for this kind of work. 500 or you could pay 2200. And you can pay 1100 or you can pay 4400. And a Nuclear Stress test, 2100 or 8500. Nd we have a lotf numbers from you. I was shocked. Shocked at the range of prices. In arent the costs the same . But we just mentioned, you get that done and its a 30 minute test. We charged less than that. There are no justifications for that and people have to have questions. Why are they doing a . Is very simple. And the wall street journal there was an article that shows someone went to their doctor in reno and you basically have a 400dollar echocardiogram tema came back and theres a 1400dollar charge. So what is going on his private practice cardiology is going down. Hospitals are buying the practices and building multiples than a private doctor can do. Making a lot of money and paying the doctor. Gerri thank you, obamacare. Its what sent a lot of these people into the hospitals. Great to see you intestin tdy gerri could help these workers, you may not need as much for retirement as you thought. The studys author after the break. Next. Just by talking to a helmet. It grabbed the patients record before we even picked himp. It found out the doctor we needed was at st. Annes. Wiggle your toes. [ driver ] and it got his okay on treatment from miles away. It even pulled strings with the stoplights. My ambulance talks with smoke alarms and pilots and adiums. But, of course, s a good listener too. [ female announcer ] today cisco is concting the internet of everything. So everything works like never before. [ chicken caws ] [ male announcer ] when your favorite food starts a fight, fight back fast with tums. Eartburn relief that neutralizes acid on contact and goes to work in seconds. Tum, tum tum tum tums gerri americans are worried they wont have enough saved fot retirement. A new report says you could be saving too much. I bet you never tell you hear that on a business network. David blanchard is here to explain. Its terrific to have you here. Here is what you are talking tai about, and i find this fascinating about. s work is a . I would say that that is a great starting for the actual replacement is by individual. Quite a few assumptions that people use when thinking about how much you need for retirement. Tackling three of those issues. The first is the replacement rate. For some folks it is 60 , some folks it is 90 . Gerri why would it be lower. Then sell on this segment is you may not need that much money. Why . Well, think of an individual that, you know, they live in california. They were saving 20 percent of their pay and move to a state like texas. When you retire you will no longer pay Social Security tax. Medicare tax, be paid for your retirement. He moved to stay with lower taxes that 80 number is more like 60. Gerri you have this insight that doubt was great. Retirement is the most expensive purchase you make. That is an interesting way to think about it. Most people, it is more up to steer them. They think of it as a special extra category. Think about how much moneys spent buying your last phone are ipad our house. Retirement will cost many folks over a million dollars. It is worth the time to figure out. Making the over or under estimate could cost you. Gerri interesting. I may have found a hole in your logic. What about would it cost to invest in retirement . Some of these ministers are charging a lot of dough for you to save for retirement. That eats up a lot of money. It can. Yes. To that i would say it is important when you make assumptions about retirement that you include fees. For example if you assume the stock will make 9 and it cost one person to invest, dont 9 , as some 8 . Gerri inflation, can i assume anything . And inflation is tough. Our current estimate is about to snap , but it will vary by region and industry. One thing is that retirees pay different types of inflation. Medical costs are much higher. As we all know, its a big deal for most retirees. Gerri a 20 year estimates for inflation. I cannot even get my mind around that. I cant estimate what it will pay at the Grocery Store this evening. Thank you for coming in the show. Appreciate time. Thank you for having me. Gerri here are some of your emails on a bunch of different topics. The democrats shut the government down rather than agree to delays to obamacare, yet now they are delaying things. The shutdown was all for nothing. And i do not trust charities to spend my money wisely. And jim from arizona, up 23 and sounded like a good deal, but alas, our helpful government stepped in and stop them. I am from the fda, and i am here tech help. Never stops. Send me an email. Go to gerriwillis. Com. That is it for tonight on the willis report. Thank you for joining as. Dont forget to record the show if you cannot catch us live. Have a great night. Lou the Obama Administration connection of scandals and lives have led to inevitable comparisons to former president richard nixon, and to the the Washington Post released a Statistical Analysis confirming the comparisons. Nixon, the only 50 years this year president since World War Two to post lower ratings in the polls than where president obama finds himself tonight. Im lou dobbs. Lou good evening, everybody. The Washington Post survey released a damning poll of the Obama Administration. The president ial approval r