officials over response to the deadly virus, we're covering all angles with chairman of medicine of newark beth israel medical center and dr. peter leoni, infectious disease specialist and professor of medicine at the university of north carolina chapel hill. he joins us now by phone. before we get to all of those stories, there are new stories tonight that i want the two of you to respond to. bob, i will start with you. according to the star ledger in new jersey, a woman, a passenger at newark liberty airport is in quarantine. she did not feel well. she's a health official returning from africa. it would appear that we have another ebola case on our hands, your reaction. >> my reaction is those people who come from this endemic area and caring for the patients should be quarantined and should be quarantined for 21 to 30 days, and it's irresponsible for us not to quarantine them and irresponsible for them to wander around the streets. gerri: we'll get to that. dr. peter to you, about this woman in new jersey at newark liberty airport. yet another health official coming in from africa. what i don't understand. it seems that health officials should be most conscious of the dangers they're coming from west africa. why is it that these people come into the area and seem unconcerned? and, of course, i don't think anybody is stopping them, i don't think the kinds of measures we're putting in place to stop people at the border are working. your response to this woman at newark liberty? >> i think health officials, health works are just like everybody else. you belief and think it's not going to happen to you and you don't recognize that you are putting people at risk. gerri: pardon me, dr. peter, they're not like everybody else, they have lots more education, lots more understanding of the difficulties of these diseases. of the incredible devastations. they've seen it firsthand. how can it be possible they would be just like us? >> because they are. education has very little to do with human behavior, unfortunately. and i think i do think the folks should be quarantined at least for the 21- 30-day period after coming from endemic areas. this opens up care of controversy but should be enforced. gerri: something that should be enforced for anybody coming from the region. we've heard from specialists who say that that 21-day period is too short, it should be closer to 30. some people don't show signs until later. we have another headline right now. the new york governor saying that the cdc screening guidelines are not enough. insufficient for new york's population density. and this is a question i've had for some time, dr. bob, is that it's one thing for this to break out in a rural area, it's another thing for there to be some kind of issue with ebola here in new york city where people are in such close proximity to each other. your response? >> my response is we are very good at handling epidemics where you have to come in close contact with bodily fluids nord get infection. this is not like the flu, this is not aerosolized. if somebody is on the subway and they have no fever, no body fluids coming out of them. blood, urin, diarrhea, you are not going to be infected. gerri: dr. peter, this is your specialty, infectious disease. what do you think of the governor's comments? is he right? >> i'm not worried about an outbreak in the united states. gerri: that's not nye question. my question is that the governor is saying that the cdc screening guidelines are insufficient for new york's population density. >> no, i disagree with him. no. i think again, transmission is what we're concerned about, and transmission only occurs through direct contact with bodily fluid. the folks that we've seen infected in the united states have had either contact directly with patient care or have come from endemic areas where they are in contact with folks in the environment there who are at high risk for ebola. i think our basic approach works. i think it's very different to talk about health care workers working in the hospital. i'm comfortable with the cdc guidelines and think they are more than adequate. gerri: even for new york city. talking about dr. craig spencer, the subject of a lot of criticism today. a doctor, an emergency room doctor who works in guinea, comes to this country and almost immediately is out among the rest of the population. should he have really self-quarantined himself? >> he should have self-quarantined himself. i think that anybody should be mandated, coming from that area to take the quarantine they suggest, 21-30 days. i think dr. spencer probably went through a number of checkpoints both in western africa, before getting on the plane, in europe, before changing flights and certainly here at the airport. and that's the soft spot. the soft spot is that 21-day period where we do not know whether a person is infected or not. gerri: it's really complicated. so spencer essentially completes his work in guinea on october 12, and october 14 leaves the country. travels through brussels on october 17th, arrives at jfk, and less than a week later, he's bowling, on the subway, in an uber taxi. dr. peter to you, should he have been doing this? shouldn't he have tried to quarantine himself, and what we haven't said here, and my apologies, is he has contracted ebola? >> i agree. i think he should have quarantined, i don't understand. i'm not criticizing him personally. i don't understand what he was thinking when he did all that. to avoid almost basically mass panic and having to contact all these folks he may have come in contact with. i believe that the risk here is virtually zero, but we could have avoided all of that by just sort of self-quarantining. and he should have recognized that. i think he got up to day 19 and probably decided he was safe. and unfortunately that incubation period even at 21 days may be too short. i agree, we need to look at extending that out. gerri: he wasn't even close to 21 days. that's part of the problem. dr. peter, i want to ask you before you go here, some of my friends who are in your specialty are very disturbed about dr. craig spencer's actions and they're surprised, shocked he would have done this. is this causing ripples among people who do what you do? >> no, again the risk here of transmission is incredibly low. the problem is that we say it's very low but find it obligating to find and notify folks. there is enormous amount of money and effort trying to find very low risk people when the focus is health care workers and the health care setting. gerri: so again, just to fill out that story, dr. craig spencer's home is being decontaminated as we speak, there are three other people in isolation now. his girlfriend, a couple of friends in isolation now, just making sure that everything is safe. lots of headlines on this. doctors, thank you for helping us out on the story. great job. >> welcome, thanks. gerri: a crisis of competence over the government's slow and troubled response to ebola. pressing president obama to take immediate action. chairman of the oversight investigation subcommittee that held an ebola hearing last week. congressman, thanks for coming on the show. i'm interested in what you have to say about a public response in our city, in our state here in new york to this entire ebola issue. new york governor cuomo coming out tonight and saying the cdc screening guidelines are insufficient, particularly for a state of new york's population density. so new york city as you know, people aren't getting in the cars, my friend, they're there on the subway opublic buses, public transportation, in close proximity every single day with scores and scores of people. does that make a difference in your view? >> i think those kind of guidelines should be strengthened across the nation. from the time of our hearing, i recommended a 21 day, at least quarantine for health care workers who have had direct contact with ebola patient. the cdc says it depends on the personal protective equipment that the doctor is wearing. you don't know what else may have happened, err on the safe side. people coming from africa, from those nations, we should hold the same standard to. some groups such as samaritans or others not only recommend a quarantine but stay within one hour of a hospital. take temperature four times a day, and stay away from people no closer than six feet. no direct contact. and those things overall, i believe should be enforced whether close proximity like new york city or in the country. gerri: to your point, we have another person, a woman, a health care worker return from west africa at new jersey's liberty international airport who is being sequestered, quarantined right now. seems to me these cases are proliferating. is that true, or is it just because we're being incredibly diligent in tracking these cases down? >> the issue is there's a lot we don't know about ebola and have to be very careful we don't have hubris saying there is no way somebody could catch it under the circumstances because you don't know. one of the reasons i hear a quarantine is difficult, it will cause inconvenience, yes, it will. i guess if i'm wrong and we've caused people inconvenience and no one has gotten ebola. if they're wrong, someone does and someone will catch it and will die. it's a deadly disease, we want to attack it, destroy it in africa. we don't want it to come here. gerri: absolutely right. before you go, though, congressman, i want to talk to you about comments made by the assistant secretary for preparedness and response at hhs, and somebody who apparently is in charge of commandeering our efforts against ebola. she had interesting comments in a hearing. i want you to respond to that. here she is. >> we've launched a very aggressive national outreach and education program to promote the safe and effective detection, isolation, treatment of ebola patients. the system we now have in place is based on changes and lessons learned from each emergency. gerri: a lot of people walked away from the hearing thinking what she said is essentially hey, we're making it up as we go along, it's in flux. is that what she meant? you think we're that far away from understanding how to take care of that problem? >> in september, the president said it was highly unlikely anything would happen here. and tom frieden, head of the cdc said all of our hospitals were prepared. wearing personal protective equipment was fine, take temperature was fine. having a self-report system was fine and they've had to adjust. our enemy here is the virus, and all of these steps taken, the virus will find a way to get through it if someone is over here. our enemy is hubris and the idea we're good, we have control of this. it worked for centuries to have quarantine, one of the best things to have, in conjunction with other elements and we don't want a false sense of security and say we could have, would have should have done more. gerri: on the topic, i have to mention, ron klain, the new czar for ebola, is that evidence of the hubris, it's a political poichlt it's more concerned we're concerned with the public reaction. all this uncovered than solving a problem? >> there is nothing in his resume which adds to help here. medical experts, people moving things around, handling of traffic, handling moving equipment. that's the things you need expertise on. if he doesn't bring anything to the table other than bring people to a press conference and gather people together. i worry as americans have worried and as i hear from lots of people. they want honesty, they want the truth and want to know what you know and don't know so people can react. people are told something and when it turns out to be true, they stop believing the leaders and have panic and worry. gerri: congressman murphy thank you. >> thank you. gerri: and still a lot more to come, including your voice, your voice is important to us, we want you to facebook or tweet me at gerri willis@fbn. at the bottom of the hour, i'll read your tweets and e-mails. next he took the subway, he went bowling. did dr. craig spencer put new yorkers at risk? or was he acting responsibly as new york officials have claimed? 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>> totally reckless endangerment and it is potentially criminal because he's taking his temperature every day because he thinks he may get it. he's a doctor, treating people, goes into the public. if you go bowling and don't have your own bowling ball, people share bowling balls. all he has to do is get bodily fluids, unbelievable. >> can i expand this to not just the state level and the doctor, the federal level, under the federal torts claim act usually it is difficult to prosecute or go after the united states government. this is negligence beyond belief. gerri: he was negligent. >> closed down the flights, imposed a mandatory quarantine for 21 days. this may never have happened. this guy never would have come back, if he did come back, he would have been quarantined. gerri: there is the issue if the state is responsible and the issue if the government is responsible. what do you think, bill? >> no question about it, that there must be something done and the government should be responsible for having this happen. however, in this particular case, he's a doctor. you wouldn't want anything you say to this particular person, if you look at it in terms of having a civil case, a reasonable person would have knowledge he is contagious. he is a doctor! >> should i get on the flight coming from he was. should i get on the flight? are you kidding? . gerri: i asked a doctor, aren't health professionals better prepared? don't they have the education and the experience, they've seen ebola firsthand. he said they are human like anyone else and won't make this mistake, and i am frankly astonished by. that i thought the first rule, the first responsibility was care for others. >> right, this is not a situation where he happens to be a doctor and working as a pediatrician, he comes back from working with patients, taking his temperature and walks around new york city like nothing is going on, outrageous. gerri: lis, new york governor andrew cuomo said the cdc screening guidelines are insufficient for the population density, and my question to you, you're saying that the government could be responsible but moving the line in the sand about what responsible is. >> and doctors without borders could be responsible because they didn't have the protocol for him to go into the quarantine. gerri: wait, wait, explain. >> he was working with doctors without borders. they said check in and see if you need to be quarantined. gerri: who's making the rules, doctors without borders or living with standards set by the federal government? >> i think it's both. have a greater standard with the doctors without borders, they are sending people -- gerri: that's not a high standard. >> it's not. i think there's an issue, but again when it comes down to in this particular situation. this gentleman knew exactly what was going on and didn't care at all, i don't think anybody could have stopped him. >> you think he didn't care? >> it's a protocol that's in place, you must be quarantined, have you no voluntary quarantine, you mandatory quarantine for 21 days. gerri: we are coming up against a hard break. we want to know what you think, here's our question tonight, was the new york city doctor with ebola irresponsible? with ebola irresponsible? log onto gererererer introducing synchrony financial bringing new meaning to the word partnership. banking. loyalty. analytics. synchrony financial. engage with us. i wish... please, please, please, please, please. 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(vo) well played, business pro. well played. go national. go like a pro. ♪ gerri: it was a good day and a great week for stocks. the market closed at their best week of the year and finally ending a 4-week drop. with us now capitalist pig founder and fox news contributor. great to see you. earlier in the day they called this e-volatility. and combining it volatility. i wanted to ask you about what happened yesterday. we had a 306. rally. the news about a new york patient comes out. i think, we are going to tank. we lost 90 points and then went higher. >> the market has shaken off ebola just as it has any number of concerns over the last few months, most notably the pensions in the -- attention in the middle east. but to your point about the ebola volatility or the volatility of the market, when elephants dance my skate trampled. on the downside, as we saw just a couple of weeks ago. gerri: that is a great saying, and you do not mean democrats and republicans, do you? >> note. gerri: i want to talk about this volatility issue. we have had 25 consecutive days of a 100-point swing. within a single day you would have a total range of 100 points. this is huge volatility. it makes individual investors nervous. what did the pros think? >> for one thing is really more a return to the normal course of events. we got used to low volatility and strong stock prices, so this is more of a reversion to the mean. it professionals, amateurs, everyday folks at home more than anything need to avoid a motion, stick with the long-term plan if you need to sell down at as sleepy point, do that. but look at stocks like utilities, amid all the tumult, utility stocks are at all-time highs. when you let that trend persists, that is how you make money. gerri: let's look in the crystal ball. still looking for the market to trade in the broader range intimate 2015. the increase in volatility as confidence to that view. how can you predict just volatility? i think it is interesting he is making a call on that rather than up or down. >> of volatility is the course of being in the marketplace. more important than trying to decipher the market is to look at your positions, your own portfolio, and make it when you can live with. one good place to start is tiny positions, less than 1 percent of your portfolio. if you want to harvest cash, i think that is a good place to start. when looking at the overall market i would like to see more breath, a greater number of stocks doing well. the bears could make an argument here, when you look at stocks like amazon or netflix, some of the big pillars of this bull market are starting to crack. gerri: we have seen some trouble and positive news, too. gm had a great earnings report. upbeat stories. we will just have to wait and see. i like your message that investing in stocks is the right way to go. >> thank you. have a good weekend. gerri: you as well. coming up next, we answered the question of how you do that with advice for retirees on how to avoid, and real estate mistakes. and where is the recovery? more disappointing housing numbers. what is keeping the market down? stay with us. ♪ [ male announcer ] some come here to build something smarter. ♪ some come here to build something stronger. others come to build something faster... something safer... something greener. something the whole world can share. people come to boeing to do many different things. but it's always about the very thing we do best. ♪ but it's always about the very thing we do best. my name is karen and i have diabetic nerve pain. it's progressive pain. first that feeling of numbness. then hot pins. almost like lightning bolts, hot strikes into my feet. so my doctor prescribed lyrica. the pain has been reduced and i feel better than i did before. 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[ male announcer ] ask your doctor about lyrica today. it's specific treatment for diabetic nerve pain. you pay your auto insurance premium every month on the dot. you're like the poster child for paying on time. and then one day you tap the bumper of a station wagon. no big deal... until your insurance company jacks up your rates. you freak out. what good is having insurance if you get punished for using it? hey insurance companies, news flash. nobody's perfect. for drivers with accident forgiveness, liberty mutual won't raise your rates due to your first accident. see car insurance in a whole new light. liberty mutual insurance. gerri: new home sales, selling your home. one point or another, many retirees consider downsizing, relocating, renovating. these decisions open you up to mistakes. larry luxembourg, a partner at the capital management firm. welcome to the show. what do you think is the most common mistake of folks who want that ideal second home as they are retiring. >> one of the biggest things is people get too emotional they don't look at total life is part of their overall financial situation. gerri: that don't realize the carrying cost of that home. people forget. is the travel, up keep. more expensive taking care of the second home than the first home. >> everything about a house cost more than you expected. gerri: let's talk about picking and choosing, trying to downsize. if you are trying to get a smaller home, what do you want to avoid? >> one of the the mistakes, particularly someone from the new york area or maybe california, selling an expensive house and have a lot of money extra after they buy a home in a retirement area. and they have to invest that money carefully, or it can vanish quickly with no trace gerri: if you get a wad of cash and do not take care of it right away it will go to things you don't intend it to. an even bigger problem for about one-third of homeowners 65 and holder have a mortgage up from 22% in 2001. this is not the situation to be in. what should you do if you're at that age still paying off your house? >> pay it down fast, if you can, and you may have to consider relocating, downsizing sooner, anything that you can do. you definitely do not want to carry that debt into retirement. gerri: but it is happening more and more especially because of what happened in 2007, 2008, 2009. people were forced to stay in houses maybe they did not want to. give us an idea. you are an expert in the real-estate market. what are the trends of people retiring and trying to get to a more attractive area, what do they need to know? >> they need to think about their situation because once you sell your home and buy another, you are locked in. you did not want to be panicked or emotional. you want to do research and really what that area and it has all the services you want. then try it out and then, only then jumped in and make a purchase. gerri: thank you so much for coming on the show tonight. a pleasure to have you here. >> thanks so much. gerri: we want to turn back now to ebola, lots of headlines. new york mayor saying a team of detectives had been tracking the movements of a doctor diagnosed with ebola, promising the risk to new yorkers is low. to you think the doctor was irresponsible by going bowling and taking the subway? here is what some of you are saying. so responsible. in fact, i say arrogant. irresponsible falls far short. he was stupid to endanger others with the potential of infection. on facebook, yes, if you have been treating and in contact with. gerri: amendatory quarantine . and here are some of your e-mails on a host of topics discussed recently. john from south carolina, you often have guests encouraging people to save more with practically is your return, why should i? and from washington about california's plan to raise the minimum wage, putting itself into bankruptcy. businesses are leaving at an alarming rate. just another nail in the coffin. mike from florida. if he can have this much affect on the bond world, can you imagine the effect warren buffett has on berkshire hathaway? we love hearing from you. send me an e-mail. cut to gerriwillis.com. when we come back, advice on saving money. could news. now letting you save more for your retirement tax-free, but should they have a safe? and here is your consumer gauge. we will be right back. ♪ 3rd and 3. 58 seconds on the clock, what am i thinking about? foreign markets. asian debt that recognizes the shift in the global economy. you know, the kind that capitalizes on diversity across the credit spectrum and gets exposure to frontier and emerging markets. if you convert 4-quarter p/e of the s&p 500, its yield is doing a lot better... if you've had to become your own investment expert, maybe it's time for bny mellon, a different kind of wealth manager ...and black swans are unpredictable. they take us to worlds full of heroes and titans. for respawn, building the best teractive entertainment begins with the cloud. this is "titanfall," the first multi-player game built and run on microsoft azure. empowering gamers around the world to interact in ways they never thought possible. this cloud turns data into excitement. this is the microsoft cloud. my motheit's delicious. toffee in the world. so now we've turned her toffee into a business. my goal was to take an idea and make it happen. i'm janet long and i formed my toffee company through legalzoom. i never really thought i would make money doing what i love. we created legalzoom to help people start their business and launch their dreams. go to legalzoom.com today and make your business dream a reality. at legalzoom.com we put the law on your side. who would have thought masterthree cheese lasagna would go with chocolate cake and ceviche? the same guy who thought that small caps and bond funds would go with a merging markets. it's a masterpiece. thanks. clearly you are type e. you made it phil. welcome home. now what's our strategy with the fondue? diversifying your portfolio? e*trade gives you the tools and resources to get it right. are you type e*? ♪ gerri: a quick update on ebola. the governors of new york and new jersey ordering a mandatory 21 day quarantine for anyone who had direct contact with an individual infected with the ebola virus while in one of three nations. the move comes after a doctor returned to tap new york from africa with ebola. of course still a degree of self reporting involved. we will continue to follow that story for you. next, some good news finally in this show. and good news on the retirement fund, of all things. of all sam wants you to save more. the irs increased contribution limits for fifth, always good to have you on the show. >> for calendar year 2015, the limits are going up to $18,000. pretax contributions going to 18,000. fifty years old and up an additional contribution. so the maximum would be 24,000. gerri: a lot of people said it, it is not that much money. i say, the federal government should stop with the limit because at the end of the day, as social security winds down, we need people to save on their around. there should not be a limit on what you can set aside for retirement. >> i agree with you. people planning for retirement. the point you make is one that i talk about all the time. the solvency of social security for the younger generation as well as the fact that most companies do not have pension plans. it is so important for the individual. not only can you put away more, but you need to start early, and it needs to be a line item in your cash expenses. too many people say they cannot afford it. gerri: with there was a wells fargo steady this week showing a lot of people out there, this is something they are putting off . they're baring. it is just the very last thought on their mind. -- that with your clients? >> with my clients i don't. we encourage them to put away and maximize. i should note that for ira there is no change. $5,500 is the maximum. the catch up contribution. i think that the ira amount should be going up. for people who do not have the ability to contribute to a 401(k), i don't think it is fair ground it. gerri: a great point. we see this all the time. it is difficult for people to say. i just think that the less the government is involved in setting limits, trying to hamstring you and put limits on what you do, that is bad news. people feel responsible if they feel like they are doing it on their own and are happy to come to the table voluntarily. >> i agree, but there are ways for some people, often times they think the ira is the only way to go. a couple of years ago we started with a call a solo 401(k). if you're an individual working for yourself you can set up a solo 401(k) plan. although your contribution limit is 18,000, you have the ability to put in a profit-sharing component for a total contribution of $53,000. people, i think, don't think about different ways. gerri: people should start contributing to their retirement, 401(k), or a ira . >> you are not going to retire on that, but what i think about is the line at the apple store, how these people have days off to wait for a product. gerri: because mom and dad are paying for it. that is why. [laughter] >> instilling discipline. gerri: thank you for coming on. and still to come to my "2 cents more". next, putting an end to a big travel mess. what they will save you the most money on airline tickets. stay with us. ♪ ♪ decay. it's the opposite of evolution. the absence of improvement. and the enemy of perfection. which is why you can never stop moving forward. never stop inventing. introducing the mercedes-benz gla. a breakthrough in design, aerodynamics and engineering. because the only way to triumph over decay... is to leave it in its own dust. ♪ from fashion retailers to healthcare providers, jewelers to sporting good stores, we provide financing solutions for all sorts of businesses. banking. loyalty. analytics. synchrony financial. engage with us. ♪ gerri: conventional wisdom for some time was that tuesday was the best day to book a flight. a new report says sunday is the best. the person who just wrote this story, a columnist for the wall street journal. great to see you. i thought it was tuesday. >> well, i think a lot of things have changed in the marketplace. airlines do more discounting of the weekend. some of the newer, younger airlines target leisure customers through e-mail, social media, and prices dropped for the weekend. competitors match, and so you have a more active market place. gerri: how did you figure this out? >> their is a group called airlines reporting corporation that does the back office handling on airline tickets for travel agencies, both online and traditional. the half -- they handle about half of all tickets sold in the u.s. we asked them to look hard at a lot of data, 19 months worth. a huge number of tickets, and they found some pretty stark differences between the average price of the weekend, particularly sunday , and the average price during the week, which did show up tuesday to be a couple bucks cheaper. still, the weekend difference was great -- quite pronounced. gerri: what they should i avoid? >> mondays and fridays are the worst. some is influenced by the fact a lot of corporate tickets are bought during the week. it does raise the average. gerri: there is thinking behind this. they think they are scoring corporate travelers ather pricel leak. is that right? >> you can discount on the weekend, if you are an airline, really target leisure shoppers and not delete the yield you get from business travelers. that is one reason. it used to be that airlines would come on monday and look at house sales wind and decide to run a sale on tuesday. but no more ads in the newspaper. it is blastg out social media. you can get much more strategic. gerri: i want to understand. it used to be you would buy tickets at 42 days before departure for the best numbers. now wait is 57 days. why that change? >> it is really the results of the reduced capacity for air travel in the u.s. increased demand for tickets airlines have been disciplined about controlling capacity, be read the few seats offered at cheap prices sell faster and faster. two years ago the average stay for the lowest price before departure, 42 days in advance on average you get the cheapest price. now it has moved out to leaks to 57 days which is a reflection of the fact that there are fewer cheap seats getting bought earlier and earlier. gerri: thank you for being with us. with us. have a great (receptionist) gunderman group. gunderman group is growing. getting in a groove. growth is gratifying. goal is to grow. gotta get greater growth. i just talked to ups. they got expert advise, special discounts, new technologies. like smart pick ups. they'll only show up when you print a label and it's automatic. we save time and money. time? money? time and money. awesome. awesome! awesome! awesome! awesome! 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(vo) meee-ow, business pro. meee-ow. go national. go like a pro. gerri: and finally it's friday. for that reason, let's focus on the positive. all three averages had their best week in nearly two years. and even a case of ebola emerging right in the back of wall street. the government will allow you to set aside more of your hard-earned money for retirement. annual contribution rises to -- and the catch up goes to 6,000. the chang is small, but it's in the right direction and that's exactly what i want to hear tonight. that we are moving in the right direction. that's my "2 cents more." that's it for tonight's willis report. coming up more of our coverage on ebola. making money with charles payne is coming up next. have a great weekend. neil: tonight on cavuto it's time to end this ebola crisis. and we could have the guy who could end it now. russell, stepped in to fix the chaos in katrina and calls for him to end the chaos we call ebola. in just a minute. the raging cajun is here. plus, all this might have you down, but some say that america's best days could actually be around the corner. lots of homeowners are under water seriously so. and washington's new plan could leave you more than drowning. is wall street's jewel now a dud. a shakedown after aig