Their smartphone. Apple might be getting into mobile payments at jt the right time because after the credit card breaches at tget, pf changs, michaels, sallys beauty and supervalu, the latest home depot could apple put an end to Security Breaches . Theyre to weigh in, Richard Crone with crown consulting that working with retailers on payment technologies. Great to have you here, richard. Tell us how the iwall would work . No one knows for sure, but get an idea how apple might have it work you can go into the apple store today use something easy pay with the apple store app. It allows you to scan product, get information and pay using your itunes account. There has been speculation about the addition of mobile payment with every iphone. This time theyre anticipated to add something known as a Near Field Communications chip that aowsou to tap the phone at the merchants point of sale and pay. Gerri that is what i want to talk to you about is near field technology. Can you explain to us in laymans terms what that means . Its a chip that allows for the tnsmission of data when it is very close to a reader. In rri radio waves, right . Indeed, radio waves. But very short field. Near field as they call it. And this nfl chip allows for the transmission of payment data the point of sale, rather than reading a Magnetic Stripe or putting a chip card into a reader. The good news there would be a lot of numbers personal to you that wont be out there for people to steal, presumably. My big question though, is this going to make real money, credit cards, oolete is it possible . Maybe eventually in the future. My fathers masters thesis was on the Cashless Society more than 50 years ago. But well see is the advent of new payment types that make it easier and safer for consumers. Depend how it is deployed but mobile payment is generally safer becse there are no payment credentials stored on the phone. No payment credentials given to consumer. It is tokennized or numbers useless to fraudsters. Gerri tokennized, that is a big word. Here are i Wallet Partners rumored. Visa, american express. They want to jump on the apple bandwagon because apple is a very hip and happening company. I have questions, really . It is not going to be vulnerable . I have a hard time believing that. Do you see any vulnerabilities in this technology . Again, it depend how it is deployed. If the payment credentials are stored in the cloud, protected, and nothing is stored on the phone and nothing given to the merchant, we ha a safer way to apoach things. We can not get rid of the risk of card fraud and data breaches without getting rid of the card. The card today has the numbers printed on it, Expiration Date and the security codes and anybody can read that, as well as on the Magnetic Stripe. If we eliminate that, eliminate the risk and improve security for everybody concerned. Gerri well i got to tell you, there is another way to eliminate that risk. Something called cold hard cash, richard, have you heard of that. Indeed, but the problem is that cash doesnt give you a ability to manage your money. Vulnerable to theft and loss whereas a mobile payment gives you the chance to manage money and link it to the activationon offers and save money and communicate with merchants based on your preferences without any spam. Gerri richard, itch one more question for you. So we reported earlier this week about the breach of information of celebrities. Frankly naked pictures of celebrities were everywher a lot of people talking about that. A lot of people ble the cloud and icloud in particular. Apple said it wasnt their fault. Now theyre out with solution, ways for consumers to protect themselves. Does apple have some culpability here . They may but apple wont be the only one offering a mobile wallet. Consumers put their trust today in financial institutionsnd Credit Unions and they are also working hard to provide mobile wallets. Consumers can also get mobile wallets from merchants like subway, orange leaf yogurt, starbucks. The biggest merchants in the country form ad mobile Payment Network known as connectc. They are providing mobile payment capabilities as well to provide security and utility to consume years richard, thanks for being owith us tonight. Have a great weekend. Gerri, thanks for having me. Gerri we want to know what you think. Here is our question tonight. Would you give up your wlet to pay with your phone . Would you do that . Log on to gerriwillis. Com, vote on the righthand side of the screen. I will show the results at end of tonights show. As the world awaits on apples big announcement next week, fox businesss risk reward is launching a special segment, wireless wars, 1 00 p. M. Eastern time. You wont want to miss that from personal security to job security, americans are holding on to their jobs for dear les as Government Data out today shows fewer jobs are being created. But the surprising trend in all of this, the drastic drop in working age men who are actually going to the office, working. David bock, vice chairman of Edelman Financial Services a perfect experience as former stayathome dad. He joins me now. Great to see you. Great t see you as always, gerri. Gerri a lot of disappointment in the halls of fox over this jobs report. 142,000 jobs create just a punk report. Dig down, look at numbers for men it is astonishing. Woing age men, Unemployment Rate for those folks, 18. 1 . Overall rate, well below 7 at 6. now. What do you make ofhat . Why are men not working . Here is interesting part of this statistic. When you look at 18 , you bury into that data what you actually see 2 3 of those men are choosing not to look for work right now. The question becomes why are they not looking for work . The story is not about the men. It is abt the women. Women today are the economic powerhouses in this country. What happened in it country, mostamilies like, what is half of families, nearly 45 of all countries families in this country the woman, is the primary breadwinner. What were seeing, gerri. Theyre doing math. Wife is making more money than th husband. When they have children, many families across the nation say youre staying home. M making more money than you. Im on career track where my incomm is going up. Your income is stagnant. That is puttig a lot of men in position staying home. The other thing that happened, gerri, is this. Were no longer getting stigma. I like it here. I will stay home with the kids. Gerri look at more of these numbers. If you look over history, at this 25 to 54 male age group, it is amazing. So in the 1970s, Unemployment Rate, roughly 6 . Fast forward to 2007, it is 13 all of a sudden. In the depths of the recession, 2009, 20 . We have barely backed off of that, barely backed off of that. What are you guys doing . Well, again it depend who you ask. Yesterday i was with somebody who was wking late at night, stayathome dad during the day but has a partthiol job. Youre looking at a lot of data, a lot of americans have parttime jobs. Those jobs are not recorded as fulltime employment. Theyre listed in many cases as unemployment. Gerri so that point, so we know that the real jobless rate is something li 12 . Yep. Gerri and it i am positived a improve ad bit this month but not by much. What do you tell men to do in this situation . You advise people all the time. I have a lot of men saying hey, i want to be a stayathome dad. How do i do this . You create a Financial Plan. I think a big thing for families want one parent to stay at home, you do a Financial Plan before you make the decision. Too often wait until one of then leaves a job, stays at home and theyre not financially prepared for that. You want to practice this, gerri, at least one year in advance, sit down with Financial Planner, do some savings, cut expenses in half and practice whether or not you can afford to live off of one income instead of two. Gerri you have a lot of savings when you do that. Youre not hiring people to take care of the kids, right . So that is one big bill that you wont have to pay. That is exactly right. That is a big thing in the math. They look at cost of day care and putting kids in private school. I will stay at home and spend time with my kids. As you know gerri how did spent a year stayathome dad. Took a sabbatical for 23. Why you didnt see me here. Jack is sitting off to stage left. Gerri jack is there. Get a camera on him. Give aave. I wanted a year to see what it was like, take jack to school, take james to school. Go to all the school stuff. Gerri you loved your kids. I loved it i guess what . I missed working. Like many people i chose to go back to work. I think jack is glad about that. Gerri there is jack. Give a wave. There is the light right there. Jack, thanks for coming on with your dad. David bach, youre a rocktar. Thank you, gerri. Good to be here. Gerri we still have a lot more to com this hour, including your voice. Your voice is important to us. That is why during te show, we want you to facebook me or tweet me gerriwillisfbn. Or go to the website, gerriwillis. Com. At the bottom of the hour i will read your tweets and emails. And next a dangerous situation at walgreens across the country as thousands of consumers may have gotten the wrong prescription. Are you one of them . Well have details. Well have details. Stay with us. Ing okay, josh, do your stuff okay, people, you know the drill. What you believe open your arms, cause thats where it starts right here with you and with me. joshpeaks what the world needs now. A message from the foundation for a better life. Gerri there could be danger lurking in your medicine cabinet tonight. Recently Walgreens Stores had a datababase crash that affected 8200 pharmacies. That system failure resulted in prescription labels printed will legible instructions. Here with more on this, internest, founder of the doctor weighs in. Doctor, welcome to the show. Thanks for being here. That database was down only a few hours. What happened . Well, what happened was it ended up printing some nonsense symbols instead of real word. And so some of the instructions were ill legible but the good news. There werent any wrong ininstructions with the dose, telling them to take it three times a day not two times a day. The real good thing it doesnt change instructions. Gerri did anybody getted wrong drugs . As far as i can tell nobody got the wrong drug. This is good news, bad news story, because walgreens had a very aggressive response. They through their Quality Control mechanisms discovered labels were printed incorrectly and they contacted all the managers of their stores told them, hey, guys, drop everythin and number one priority is to reach out to the people who got these prescriptions and get them back in and get them the correct instructions. So itave been a disaster. Gerri they have a statement from walgreens where they said did exact that. Listen to this for quality ofance insurance purposes abundance of caution, calls were issued following day and reached out to all the patients that might have been impacted. System update that prompte proms response has been resolved chain wide. That is what we see again and again with compans being responsible in their sectors. They actually call people. They get on the telltelephone and call people when there is a problem. So evebody knows. At any rate if youre a walgreensustomer make sure you have the right stuff in your medicine cabinet, thats for sure. What happens if people dont have the right instructions . What is the potential downside there . Well the potential downside is people could take the wrong dose or take it too frequently and have a drug overdose. They could have a drug underdose. But i think that there is other failsafe mechanisms and hopefully walgreens is or will do this which is to add printed instructions and to be sure that proper instructions for each drug is available on their website. There are certainly a lot of reliable websites now that you can go to, just put in the web browser and name of your drug and what the drug is and side effect the and how to take it and all the correct information will show up. And gerri just call your doct i suppose . Then you can always talk to your doc, the one that wrote the prescription in the first place. Gerri thats a good place to go. Absolutely. Gerri the question brought up for me though, is, i was just curious how often does it happen that the pharmacy gets it wrong . I dont know if you see doctors handwriting lately, i cant read it. I dont know how the people behind the pharmacy desk do it. Is it possible . Do you have to be careful to make sure you have the rht thing as youre at the pharmacy, review it, look at it, make sure it is same kind of tablet or pill or liquid thaw always get in. Sure. No, i think people should do that but first of all, one of the things you need to do there is a lot of eprescribing going on. So our terrible handwriting is less of a problem than it used to be in the past. Yes, i do think that patients should be sure they know what the medications. You can go online and look up what your pill looks like. They usually have an inscription, a number, some identifier, you can make sure that drug is the drug that you want. The problem with just looking at the pill and seeing if it is what you lood at, what you got the last time is that sometimes there is multiple manufacturers and you may get xdrug from one manufacturer and it is, pale pink. Next time you get it comes from another manufactur and it is orange instead of pink. And that can be confusing but there are Resources Available online and, you know, before you stick something in your mouth you ought to know what it is. Amen to that. Doctor, thank you for coming on. I hope you come back soon sometime. Okay, my pleasure. Gerri now that it is september, a little nip in the air, time for back to school, changing leafs, ppkin lattes and Christmas Shopping . Listen to this. Kmar getting an early start to the Holiday Season with the first chrisad ad of 2014. Rest assured theyre not calling this a christmas commercial but having a salesperson promote upcoming discounts in front after Christmas Tree. There is a Christmas Tree in this ad. There it is. Whatdo you think . Is it too early for christmas commercials . Frankly i think it is too early for christmas commercials. Well read your responses later in t show. A you get ready for some football, the price of your burger maygive you sticker shock. Well tell you why. Nothing is safe as hackers find a way into healthcare. Gov but is this type of the iceberg . [ vet ] im coming home from my tour of duty and looking to jump start my career. Any advic [ advisor ] you can start by applying your skills to are that interest you. [ alex ] acp aisornet has built a nonprofit Online Community to connect our veterans with business professionals, like you and me. So why not share your valuable experience . [ advisor ] i can help you with your resume. [ vet ] thatd be great. [ alex ] please go to acp advisornet. Because their Service Deserves our service. Gerri apple might be the fix to retail hac as we talked about at the top of the show but the security surrounding healthcare. Gov, well, it might be rotten, to the core. The Obama Administration says, it is taking measures to strengthen the sites security since hackers got in but is this just the beginning . With more on this, dr. Sreedhar potarazu, ceo of vital springs technologies. Dr. P, welcome back to the show. Answer this question, is this just the beginning of hacking healthcare. Gov . It is just the beginning and it is very predictable. If you remember secretary sebelius talking about some of her reservations after the october disaster last year and she said that she didnt wanto go live when they did because there wasnt enough testing. Well, youre starting to see a lot of the problems unfold with many deficiencies in the technology and this is jus the beginning. Becse you have so many complex systems that have been put together so quickly, there are any numr of landmines in the system we still dont know about. Gerri okay. There is still not enough, a Single Person in charge overseeing orchestrationf this whole project. Gerri dr. P, you know, look there is if you are getting the covere through obamacare and you signed up on healthcare. Gov, you shared a ton of persoal information. Your Social Security, all kind of information where you live, your age, how to contact you. Your illnesses on and on it goes. Should those folks feel like their information is safe tonight. No. I think that we have a responsibility, the Obama Administration has a rponsibility to instill confidence in a of those people who were led to believe that by signing up for the exchanges, that all of that information was going to be sure. We dont have that confidence. There is no communication to give consumers the satisfaction that their income, their Social Security number, or even their Electronic Medical records are not vulnerable. Something that a consumer could be alerted about. You heard apple ceo today perhaps you will be alerted when there is a breach of security in the icloud . How will we alert consumers to know that are Electronic Medical record or personal information is hacked and now september, were finding about something that happened in july two months later . Gerri listen, i feel your pain. Ere is how bad it was. Hackers, and people fee bad guys are doing this. Listen to this test server that got hacked. It wasnt even supposed to be connected to the internet. Thats right. Gerri if they dont even know that, how much, how many ore bad tngs canappen . Well this is the deeper problem because the real question is also, who is accountable for this . Who is the one that was responsiblen terms of all of the contractors overseeing the implementation of healthcare. Gov . Was it the firm that was implementing