Is hurt. Now there is a new twist to the story. And kenichi is here to talk about his love about what drives him to success. When i wake up, im excited to start my practice day. Gerri all of that and more coming up on the willis report. Gerri americans hoarding cash and stashing away in their homes. A new American Express survey finds that among those holding cash, 53 are hiding in a secret location somewhere in her house. Greg mcbride is a senior financial analyst who is here with us and steve moore from the Heritage Foundation and personal finance expert. People are stashing the cash. Now i have heard everything. Definitely cash scattered around the house everywhere. This is a bad idea. I can see why they are doing it they are tired of the bank fees not getting any interest on their deposit. Just stashing in this way is not necessarily a smart move for you gerri frankly looked like consumers were on fire. A high spending nine years. Have you put those two facts together . First of all this explains why we havent seen the inflation that we have expected. Because it doesnt matter how much money ben bernanke or janet yellen puts into the economy people are sitting on it and i think that that is a little bit key to the puzzle. And the gdp data showed Consumer Spending probably because they have more money due to lower gasoline prices. The big problem was the decline in the rate of business spending which is the ultimate driver of the economy in the medium and long term. Gerri 2. 6 growth in the third quarter. Essentially that is not good. So on so many levels, its a bad idea to put cash away like this. Why do you think its a bad idea . Well, you are insured in the event that you have your money deposited in a financial institution. As long as youre within the bounds are covered. When youve got that money stashed in the closet or under the match at or whatever, not only are your main interest but youre not covered buttocks exposing yourself to loss of theft and nobody has you covered under those instances. You want to have some cash in the event of an emergency, but too many people are keeping too much cash around. One quick thing is that when youre talking about Interest Rates now you buy a 10 year tenyear Treasury Bill 1. 75 interest, even in the shorter term, they are getting less than 1 interest and a lot of people say what is the difference in stuffing it under the mattress. Gerri that is a good point. Greg and i have talked about this over and over again that you cant get anything. Certificate of deposit, cds, why do that . May be that old turnaround in a few months, but we just dont know. We have some numbers on homeownership that i think are troubling and we will also give a window into what is going on in consumer mindsets. Home ownership among the 220 year low. Prices are rising faster than many markets. 2014, 2015, i think good things are ahead. We are expected to outpace some noise in 2015 and i think people are tired of this, half are showing up 30 of their income and theyre at a point where they are saying forget about it and the Housing Market is showing signs of stability. They are at the lowest level in eight years. And so we need to come back a little bit jobs made a comeback as well. Gerri pew research recently said that a lot of families on thin ice they have 21 days of income because they can access quickly, what did you make of that few were ordered pew report . I think that the stagnant incomes are one of the reasons why they are not able to move the needle. Ever since the recession may have been powerless to make any progress because of the fact that what Income Growth they have seen has been more than consumed by the increase in Household Expenses but no errands or is about it they really caught up with them in the aftermath of the recession. Their situation has not improved. Gerri there is no recession in this economy. You go to the grocery store. Things cost the same as they did a year ago. [laughter] what is fascinating about these housing statistics is when you see what these numbers are telling us. In most markets like you california, where i live or in new york city, is a highend of the market that is still booming. And that really reflects the income statistics. If youre in the 10 , you are seeing the games, if youre in the middle class, not so much. Gerri that reverberates everything at retail, at the mall, we are seeing the highend homebuilders doing really well when you look at what people have in the middle class, they are struggling. More millennials millennialist are expected to jump to the home market because of this and because of a slew of other factors and its easier to come up with a down payment, many homebuilders will be forced to come up with entrylevel homes. Gerri what you have to say to people stashing their cash in their mattress tonight . [laughter] dont do it, put it into a federally insured account. Maybe keep a little bit at home in the event that you have to evacuate due to a Natural Disaster or something, but nothing more than you would need to tide you over for a couple of days. I would say mazie. In the backyard. [laughter] gerri . So the dog can find them. That would be a great idea. [laughter] greg stevens, everyone thank you so much for coming on and happy friday. And a totally different story here we go again comcast and the news the cable giant has been ranked as one of the most unpopular companies in america. It they change this mans name from Ricardo Brown to a not so nice word. So lisa is with us. Tell us how this whole thing got started. Well, what i did is i called comcast and we needed to reduce our service. We were three months away from her contract ending and so we needed to call comcast we had to get hold of a representatives, we needed to downgrade our service and restore me to be internet. Gerri how receptive were they to your question . I didnt get any animosity on the phone or anything like that they did try to upsell me however. So yes, i asked to downgrade my service and pay the disconnect fee. Gerri they eventually agreed to this . Yes, they did agree to this. Gerri what happened next . So they said okay and we will get you downgraded. And they said yes, you can keep your package if you have a little cheaper rate, this or that and i immediately stopped him and said well, you know, is there a contract. Because we were almost out of her twoyear contract and i said yes and i said no thank you, i dont want to do that. Gerri so the next thing you got in the mail, what happened remapped. The bill after that the husband goes to the mailbox and he calls me from the mailbox and he said did you renewal contract and i said no i did not everything was fine. And he says well i think i need to get a lawyer and then he hung up and said you know he came home and said look at this. I looked at it and there you go, what everyone saw was what i saw. And we both were very upset. Gerri go ahead what was your response . Well, i was completely speechless and shopping and how does that even make it out the door. So we felt like we did not deserve that. We were customers for two years. How did that happen . Gerri how did that happen. You called comcast and said and so i said instead of jumping through hoops, i contacted the Franchise Authority and went ahead and emailed them. They were completely shocked and they said we will do what we can to fix it, we will give you Service Credit and look at the person who did this. We are going to let that person go. In the meantime, she said we will have somebody give you a call back for that. And everyone was saying they didnt know what happened either. And so they called me from spokane. He was pretty quick, and i said look, if you guys want to make this right, i would like to speak to the Vice President and if he can if you can buy me a letter. Welcome about 30 minutes later i got a call from the Vice President at comcast. And so that is what happened. And i found out that he was someone new in his position. And so i told him that happened, he completely apologized and said he would do everything he can to straighten it out and he was so sorry and that theyre going to refund the last two years for me or i can get a new contract to your tree. He was very polite and i said i will a letter for you as a public apology if you want he was very nice and polite and so i do want to let you know that we have let the person go and we found them. Gerri what a story. My goodness. We give comcast a hard time for being at the bottom of the customer rankings. Its fascinating to hear your story. Take you for coming on the show because we really appreciate your time. Thank you, thank you. Gerri still a lot more to come including a sneak preview of some of sundays big super bowl commercials and they look about what is different about the ads this year. And will deflategate put a damper on sundays big game . We will have someone in your town. At your school. Or where you work is suffering from Crohns Disease or ulcerative colitis. Living with crohns or colitis means managing excruciating pain a lifetime of medication and days when t hey cant even get out of bed. Everyday can be emotionally and physically exhausting. In fact, more than 1. 4 million americans are struggling with these chronic diseases. This year alone 70,000 more will be diagnosed. Chances are someone you know has crohns or colitis. Someone like me. Im Amy Brenneman and i support the crohns and Colitis Foundation of america. Ccfa was created to help. Millions of us cope and to find cures. We all just want to get back on our feet and back to our lives. You can help by volunteering donating, or joining us at an event. Help someone you know get back on their feet and back to their lives. Visit ccfa. Org today to learn more. Single logo. Gerri it is to days before super bowl xlix. It is sunday in glendale, arizona. We have our guest from Fox Sports Radio phoenix with his predictions on the big game. All right, whos going to win . I like seattle 24 to 23. I think it will be a low scoring classic game. I think that these teams are classically mashed up i think seattle can run the ball a little bit better and they have a best extensive secondary in the modern era of the nfl. I have a lot of respect for tom brady and i can see how new england could win the game but i think that seattle goes back to back. Gerri Russell Wilson is also nothing to sneeze at either. This is an interesting matchup of quarterbacks. Russell wilson is a quarterback set to run. I think if he takes off, they run a play called the read option. Either he fakes it to Marshawn Lynch or he runs that it there. If Russell Wilson is capable of having a big game on the ground, then seattle completely has a different team. A team that can run and throw it. From new england, tom brady doesnt run at all. He does it in the shotgun is a default passer and a pastor who throws crossing over the middle of the field and this is the legacy game for both of these quarterbacks. If brady wins, this is the sixth super bowl, four and two and he loses three super bowls in a row. Last three that is played on. That would be devastating i think for the legacy of tom brady. Gerri people make a lot of the fact that he is old school, as you say, quarterback greeted he is 6foot 4 inches. A short order back theres a couple of really good short quarterbacks. New orleans cornerback is probably the best. But you have to have room in the pocket so you can see over the offense of an defensive line. But Russell Wilson doesnt seem to have much of a problem with this. He had a terrible game terrible game against green bay in the nfc championship for about 55 minutes of the 60 this 60 minute game. We all know how tom brady is. If rady shows up and hasnt but magical game the patriots are winning and he will be the mvp and will Start Talking about tom brady right there with joe montana. Gerri hes not that young anymore, people forget hes been around 15 years in the nfl. Hes closing in on 40. That has to make it more difficult. He is getting up there in age, but he had only one big injury that he recovered from and hes healthy. Peyton manning hurt his neck he came out after sitting back for a year he was injured this year. Tom brady is coming in completely healthy Russell Wilson is healthy, both teams have the ability to put up big numbers. But what i love about this game is the pressure. The coaches are outstanding. Bill belichick, i put him up there with Vince Lombardi and don schuler. And pete carroll, if he goes back to back in the super bowl, he will punch his ticket to the hall of fame. Gerri getting to some other topics quickly. First of all, a lot of talk about how many people are going to watch the game. Some people say nobody likes these teams. What you say . I think it will break the alltime super bowl record because of deflategate and all the hype that came in about a week ago. That is what people do on super bowl sunday. Fans that dont even watch football or all year long they tune in for the super bowl. So i think that this is going to break records in the ratings will be fantastic. Hopefully its not a blowout. I said the same thing last year when i was in new york. I thought Peyton Manning and denver would put on a show but they got blown out the. Gerri at Something Like a national holiday. You know, you have pizza and wings and beer. Everybody eats the same thing. Its like a national holiday. Its a good time. It is. Its unfortunate that its pouring rain out here. Everybody wants to be outside. You should see the traffic. The rain and the freeways that are clogged, the city getting a ton of rain that is really putting a damper on it and hopefully it clears up in the next 24 hours. Gerri i wish that i was there as well. Rain or not. Thank you. Gerri coming up later in the show, an Insurance Company didnt honor a homeowners claim after a fire the homeowner sued. And more of the super bowl coverage with what to expect on sunday and why many commercials are taking a serious tone. Wait for that. . Gerri your super bowl ads are extracting a much more serious tone with viewers this year. This Domestic Violence advertisement apparently from a real 911 call where a victim pretends to order pizza because her attacker is in her midst. I would like to call for pizza delivery two youve reached 911, this is an emergency. Do you have an emergency . Are you unable to talk. Thats right, thats right. Is there someone in the room with you . To say yes or no. No. Gerri why our advertisers changing the tone . Peter is here with us to tell us why. Its great to see you. Big changes. Some of the super bowl commercials were kind of awful and gross. This is a different kind of thing. Why is that . And brands are realizing a couple things about the super bowl that is different than other advertising. Its all about the numbers, this is a huge audience and not only is it a 111 million, we will probably beat that number this year, everyone is watching it at once. You have men and women spouses and grandparents children watching this together. Some of them have to educate demographics that dont work for the overall audience. Some are overtly sexual or kind of edgy funny. Selecting brands are coming back to the emotional connection that really winds, most of them are more positive than the one you showed. But really this is part of it. Gerri i was weeping on some of those commercials, i couldnt take it. I dont even know if i can watch the super bowl on sunday. There it is, i just want to cry all over again. They really know how to tug at your heartstrings. Yes, they do. Sometimes you see some of the emotional connections going after causes and trying to go after a particular cause budweiser goes after a great emotional story and this is the third of with you that they have done it and with that soundtrack and that puppy and clydesdales its just really hard tugging. Gerri its a magical mix. You say that there are a lot of cars driven advertisements. Can you tell us about this advertisement . Is picking up on what dubya has done, selfimage for women in this case its about running like a girl or throwing like a girl in showing how damaging that can be too self concepts for adolescents and its a great cause and really well done cause and peace. Mcdonalds is doing a similar kind of theme but their positive messages that really resonate broadly. Gerri talking about the ads for toyota, this is another feelgood advertisement, can you tell us about that . This one is interesting because it really doesnt quite hit the market. It definitely is certainly a feelgood ad. Its a little bit confusing and a lot of our viewers say they were confused by it. The mohamed ali soundtrack that is going in the background people didnt really figure out what was right away. It was just a little bit of a disconnect between that story and the car and i think thats one of the things that these brilliant advertisements do is they make that connection a little bit more clearly. Gerri she is a peril olympic snowboarder and famous in her own sport as you can see her there, its pretty amazing. And tmobile going against the trend here, what is going on there . Let me just say that celebrity ads are always risky. Sometimes that risk is by design and sometimes it is not. I dont think you could pick a more polarizing celebrity other than perhaps Justin Bieber then going with kim kardashian. Sometimes it works, sometimes it doesnt, thats the challenge with celebrity ads is that you start out with a lot of people that dont like the celebrity. Gerri i think its incredibly effective. Whether you like or were not, shes poking fun at herself. So many are millions of dollars that is a big chunk of change. Is that going up . When you break down its 150,000 per second. So you have to make sure that every single second has that maximum impact. We do see some funny advertisements as well and its not all dark. But hundred 50,000 is the worst thing, every single second is so expensive. Gerri before you go, who are you going to root for . I really dont have a dog in the sled. And i hope that