You can and cannot do with your own property. Right now in new york there is a battle raging between the popular website and the states attorney general. The website helps people run to cover and a room for their entire apartment for visitors to the want to fork over big bucks. The government says they are tax evading lawbreakers. Lets bring in a senior fellow at the cato institute. Thank you for coming on the show tonight. 225,000. Since when is it illegal to rent out your apartment on your own . This is an example of overzealous overreaching by the government. In the name of going after some slumlords or other people who are more notorious, theyre going after people who are just trying to gerri but they are not going after slumlords, are they . They just want some tax revenue. Same as those hotel tax revenues. They say they want to get that. Isnt that the real motivation . If that is what they wanted they could pass a loss objecting these people to taxes. Think it is more nefarious than that. The unions and Hotel Lobbies want to shut down its competitors. Gerri i just understand why you cant do with your own property but you want to. Why the government should be involved in all. Theyre trying to subpoena information to get your information and my affirmation in everyones information who uses the service. Absolutely. It is a huge overreach on the subpoena, not narrowly targeted at slumlords or what have you. Indeed, anyone who has access the site once that information, clear intimidation and tremendously unfortunate because this is a product that is filling a market demand. Gerri the folks are fighting back saying it is an unfounded fishing expedition. What is more, they are saying that the government is really going after money throwing away the kinds of money that comes into this city because of air bnd. Keeping these guys even really understand the economics of this and now works . I dont think they think too much about it. They can get headlines and now lobbied by their special interest. They think that this is something that they can be populist about. Really it is a lot of people who want to visit new york and other cities with battering control laws that cannot afford to stay there and this is a way to bring in tourists. Gerri apparently there is some kind of law on the books that you cannot lease your place for shortterm. You know, this is like an old school kind of law. What do you think of that . It is unclear what the purpose of the law is. If it is to make sure that people are not running slaughterhouses and endangering the sanitation or the safety of housing codes are things like that, you can have inspections for those sorts of things. Im not sure what this is about. No one is making complaints about their neighbors renting out their apartment or anything like that. Really you have to look behind what this is actually going after. Gerri it is an attempt to grab tax revenue, let me show you what we might be on the hood for. New york city sales tax for a half percent, state sales tax, new York City Hotel occupancy tax and the expansion funds charge. The list goes on and on. To think that people would even pay that is just ludicrous. I dont know how they can even think there will be able to enforce any kind of effort to make people turnover taxes for these rentals. And the new mayor presumptively is going to raise taxes even higher. I am glad that you now live in new york. [laughter] gerri unbelievable. Thank you for coming on. Appreciate your time. What will they think of next . Now we want to know what you think. Should the government have a say in whether you rent out your own property, your own house . Long run to gerriwillis. Com, vote on the right hand side of the screen and i will share the results of the and the show. Now, some good news for homeowners. Many folks with hybrid Adjustable Rate Mortgages, unlikely to see a spike in the Monthly Payments despite the threat of rising Interest Rates. With more on this, the ceo of real wealth net worth. Good to see you. How is this happening . There were big worries that people in these jumbo not jumbo loans, Adjustable Rate Mortgages might see some kind of problem. We have to remember that times have changed so much since 2006 when most of those homeowners got those loans. Interest rates were six and a half , seven and a half . Today when they are resetting it is great news because Interest Rates are much lower. We keep talking about Interest Rates going up. Still historically low. Still a fantastic time to get a loan. So it is not the issue. Gerri it is a money saver. They are getting lower rates. Of course it is adjustable. You go anywhere over time, but you are getting some breathing room for a little while. Do you recommend that people continue buying these Adjustable Rate Mortgages . Lets face it, they are not always a safe bet. I really do not like Adjustable Rate Mortgages. We live in a country where for some reason we can get 30year fixedRate Mortgages. This does not happen anywhere else. Where else can you walk in a payment for 30 years. So many people are stuck renting. Afraid to buy what they cannot qualify, but believe me, your rent will not stay the same for 30 years, fixed Rate Mortgage well. Definitely get the fixed if you cant. Gerri i like that idea. These are not the lowest Interest Rates we have seen on record. Theyre pretty darn close. This is one big reason to buy real estate. Presumably rates will take higher. What is the expectation about the future of Mortgage Rates . The fed has made it clear they want to keep Interest Rates low, keep the recovery happening they are saying that well, theyre not going to stop the bond buying until unemployment is at six and at . Will that be . I dont know, but it will be awhile. There will go up with a vengeance when they do. That is why i agree with you pyridoxine the rate today. Gerri you can give us some background on this. I dont think people realize how quickly rates go up. So low for so long. What kind of increase could we see, big economic turnaround. How fast they move . They could move very quickly faugh. It is all all artificial and there really should be higher. Back in the 80s they were in double digits. People were buying homes at 18 to streets. My own father did that. What makes sense to day for both investors and homeowners is to buy if you can, if you can qualify committed as many as you can. That is what were trying to teach people to do. Gerri dont get out there on the lam. Thank you for coming on tonight. A great conversation, and i know a lot people out there i wondering. Thank you for the words of wisdom. We appreciate it. Gerri more, more and more to come, including an answer to the question, how do you do that. A great way to save money. Another weekend of problems with the website just cannot stay at. Of information coming out. How much the white house knew before the failed rollout. Stay with us. You really love, what would you do . [ woman ] id be a writer. [ man ] id be a baker. [ woman ] i wanna be a pie maker. [ man ] i wanna be a pilot. [ woman ] id be an architect. What if i told you someone could pay you and what if that person were you . When you think about it, isnt that what retirement should be, paying ourselves to do what we love . [announcer]. Every wish for a bed that could feel perfect under every part of your body. [man]ask me about our tempurpedic. [announcer] theyre sleeping on the newest tempurpedic bed. The new tempur choice. [man]two remotes. [announcer] firmness settings for the head,legs,and back. These real owners get that famous tempurpedic comfort how they like it. [woman]ask me about the lumbar button. [man]lumbar button [woman]lumbar [announcer] tempurpedic. 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Gerri growing outrage of the continued problems for obamacare this paper applications that the administration touted as an alternative way to sign up for health care are riddled with just as many problems as the website. Fresh notes taken during war room meetings, that is what they call them. Officials revealing the paper applications do nothing more than make americans feel better. The end of the day there still stuck in the same view as everyone else. Turning me now, senior fellow at the heritage foundation, center for Health Policy studies. The money to year the strange. Here it is. You can bypass the website and applied by phone or in person and it can be done in 25 minutes. These memos say at the end of the day we are all stuck in the same queue because they all have to go through the same portal. John, i get it. A person who calls is not the one that continues to wait after they give the application. It is entertaining, but the president said you can apply. That was not true. Gerri what do you say . I have never experienced such a disaster in Public Administration in the 30 years i have been in washington. This is a huge role of command, you know, they have been telling us for three and a half years, they have been telling congress, telling the country that this whole process is on track. Now were finding out that they did not have this under control as early as three years ago. When david cutler wrote the memorandum to Larry Summers about the fact that they were not ready to get this under control. Gerri many warnings all along the way. It is astonishing. Cmon. Something as simple as, did you tell us that the paper applications would be handled differently to make that is subtly with the demonstration seems to imply. Not Jonathan Carl calling at the ministhe same thing, the same with said that does not work for you and me. Guess what, does not work for navigators, washington, anyone else. It is not working. And, you know, what they ought to do is the right thing, shut this thing down and give us all a chance to brief. This has turned out to be unworkable, it has turned out to be unfair. As turned out to be unpopular, and it has turned out to be a lot more expensive than anybody projected in the administration. Gerri hearing a billion dollars now. We dont even know if that is the right number, but it brings me back to the promises, you can keep your insurance. Hundreds of thousands, millions of cancellations all across the country. New jersey, california, michigan, florida. That promise was not true. And now today we hear from a woman who says the promise that you can keep your doctors is not working for her either. This woman has been under care for years treating cancer. Now she says that her policy has been discontinued, discontinued. She has no coverage. The policy that she was to buy not allowed to use the doctors and. Hurt frustration is very real. She is not alone. In fact a much we will find a lot more of this problem as time goes on. The administration was saying earlier that you can get cheaper plans to go on these changes and get cheaper plans. It turns out that most of the plans on these changes are a lot more expensive. It also turns out that if you do get edgy plan you end up with a cheaper plan. Youre going to have a narrower network of doctors and hospitals from which you can choose. So that means that you cannot be able to have the same doctor you had before. The relationship you had with a clinic or Hospital Program that you were involved with may not be covered by your new plan. So what youre looking at right now is a massive disruption in the Current Health care system. This was predicted. We saw ides coming back congress would not listen. Gerri in response to this womans story, it on the oped pages of the wall street journal, it was not the fault of obamacare. The Insurance Companies themselves made this decision. The real reason, the cancer patient, it is the insurance fault. I have had to tell you, i have some issues with that. I dont think it would have been making many changes. Lets be very clear. It actually requires that all insurance plans henceforth be all the benefits requirements. All and that benefit requirements in the medical treatments and procedures if your plan does not meet those standards your plan is no longer legal as of january 1st 2014 for all plans. The point is that means a lot of people who are in Health Insurance that they have today are not going to be able to get healthinsurance that they want. We will be with the government decides they will get. The attitude of the administration is basically that all of these problems are the fault of the Insurance Companies, but the Insurance Companies are merely following the law that they that has been imposed on them. Gerri i have to tell you. Go right ahead. Finish your thought. We are going the same place. My only point is, the Administration Made the rules on behalf of these Insurance Companies, and they ought to basically take responsibility for the rules then make. That is where we are today. If they wanted to do this, they should not be going on National Television and making arguments that, in fact made is the fault of the Insurance Companies when the insurance to benzedrine nothing more than following very specifically the laws and the rules and regulations that have been imposed on them. Gerri thank you for coming on. Appreciate your time. We will continue to follow this important story. Later in the show are Financial Panel has some austere advice for you and your gerriwillis. Com. Next, the special time of year, time to break up the credit card and your shopping. The holiday season. Which car would give you the most bang for your buck. Stay with us. So ally bank has a raise your rate cd that wothats correct. A rate. Cause im really nervous about getting trapped. Whys that . Uh, mark . Go get help i have my reasons. Look, you dont have to feel trapped with our raise your rate cd. If our rate on this cd goes up, yours can too. Oh that sounds nice. Dont feel trapped with the ally raise your rate cd. Ally bank. Your money needs an ally. See who does good work and compare costs. It doesnt usually work that way with health care. But with unitedhealthcare, i get information on quality rated doctors, Treatment Options and estimates for how much ill pay. That helps me, and my guys, make better decisions. I dont like guesses with my business, and definitely not with our health. Innovations that work for you. Thats health in numbers. Unitedhealthcare. Help the gulf when we made recover and learn the gulf, bp from what happened so we could be a better, safer energy company. I can tell you safety is at the heart of everything we do. Weve added cuttingedge technology, like a new deepwater well cap and a stateoftheart monitoring center, whe experts watch over all drilling activity twentyfourseven. And were sharing what weve learned, so we can all produce energy more safely. Our commitment has never been stronger. At od, whatever business youre in, thats the business were in with Premium Service like one of the best ontime delivery records and a low claims ratio, we do whatever it takes to make your business our business. Od. Helping the world keep promises. Gerri i dont think it is just me. The Holiday Shopping season is starting earlier and earlier. While marketing of early deals on toys and electronics, macys announcing that it will open on thanksgiving. Have you find the best rewards cards . Turning me now, Consumer Education director for creditcom. I want to mention a couple of other of these. Toys r us announced it will allow oil to a club member to purchase items on sale. Target will match prices for local competitors an online retailers. The deals are stacking up. Does that mean you should get a new credit card . It may. If you think about it, lot of us use the same old credit cards and are not necessarily taking advantage have some very rich reward programs out there right now. Gerri this is not the reason i would choose to get a new car. There are good reasons to get a new card which is if you have a subpar credit card that does not work for you. How the line of . Take a look at what you are spending. For example, if you are a traveler, not know why you, but i hate being that 25 baggage feet. For a family of four that can at maybe you need a cobranded credit card with your airline said the you can get the baggage fee waived and get priority booking and other benefits. It takes is a good idea to look around and see where you are. Gerri i have to tell you that deals to change all the time and there are some that are better than others. Tommy the essential elements that you look for in a rewards card . A certain a pr . Rewards cards, you are to begin now looking at a pr because if you carry a balance, it is not the best deal. You are looking at if the reward is flexible and if there will be rewards that i can use, rewards that make sense based upon how i spend. Everyone loves cats back. Capital one recently came out with something called there. Over program. What it is designed to do is simplify rewards. Instead of 1 percent on some purchases and 3 percent if you shop and a certain store you get one 1 4 back on all purchases all the time. New programs constantly coming out. Even better than the one that you already have. Gerri a lot of these banks are focusing on things like credit cards because they can make more money there than they cannot checking accounts. The chase sapphire preferred card. That consistently makes our list of the best credit cards in america. Right now you can get a 40,000point bonus if he spent 3,000. The first three months. Then you can use it for travel, thats about 500 worth of travel. Paz gives to merchandise, the things. Gerri the goal delta skyline card. Here is your airline card. What is good about this . If youre looking for an airline card, you want to look for one offering a really good bonus for board. For example, the delta sky miles card for those who fly american airlines, british airways. They have a good bonus for words. Sometimes theyre really up the ante. He might give 100,000. Gerri those programs to change from time to time. Thank you for coming out today. Appreciate your time. Thank you. Gerri coming a, which states are the mostfriendly. Next, looking out for you and your money. Mutual funds, stocks. What your next investment should be. My mantra . Family first. But with less energy, moodiness, and a low sex drive, i saw my doctor. A blood test showed it was low testosterone, not age. We talked about axiron. The only underarm low t treatment that can restore t levels to rmal in about 2 weeks in most men. Axiron is not for use in women or anyone younger than8 or men with prostate or breast caer. And children should avoido are contact where axiron is applied as unexpected signs of puber in children or changes in body hair or increased acne in women may occur. Report these symptoms to your doctor. Tell your doctor about all medical conditions and medication serious side effects could include increased risk decreased sperm count; ankle, feet or body swelling; enlarged or painful breasts; problems breathing while eeping; and blood clots in the legs. Common side effects include skin redss or irritation where applied, increased red blood cell count, headache, diarrhea, vomiting and increase in psa. Ask your doctor about axiron. [ male announcer ] how could switchgrass in argentina, change engineering in dubai, aluminum production in south africa, and the Aerospace Industry in the u. S. . At t. Rowe price, we understand the connections of a complex, global economy. Its just one reason over 70 of our mutual funds beat their 10year lipper average. T. Rowe price. Invest with confidence. Request a prospectus or summary prospectus with investment information, risks, fees and expenses to read and consider carefully before investing. Its not for colds, its not for pain, its just for sleep. Because sleep is a beautiful thing™. Zzzquil. The nonhabit forming sleepaid from the makers of nyquil®. Gerri twitter ipo could raise more than 2 billion in regular filing. Raising plans to sell shares from between assistant to 20 each, planning tning to 70 mills shares. Twitter is plans to list the stock under ticker, twtr on new york stock exchange. Starting as soon as thursday. And we have a panel here to answer question about some. Managed mutual funds falling out of favor, calpers switching from managed funds to passive etfs, so far they love it. With us now, steve crowley, scott martin, and jamie cox. Steve, what do you tell your kleins to invest . Key point is get the 3 to 5 year pervue, 20 to 30 years for most, it is important to look at three Nobel Prize Winner phds in economic save thees just 3 week ago they talked about personal investing, they said most people do not take that longer pervue, at least 3 to 5 years. Gerri question mutual funds or etms. I like etfs the best but dont count mutual funds out. Gerri scott . Everyone loves the etfs no everyone is worried they are over trading them. I am sure they are over trading them, that is what we do as humans. But i love etfs, this is about time, looking at mutual funds what is happening. He is right, there are some low load versions that there is not a big barrier as far as cost to en true intry, but now the Mutual Fund Companies have gotten creegotten creative, theu on the way out instead of the way in. Jamie, do you agree . Are the fees out of control . Well first of all there i two major points could who that all etfs are not created equally, equity have a different profile than fixed income. Be careful what 13 flavor you buy. Gerri what do you like . I like equity, fixed income etfs have issues. Okay, im going to make you explain that. You think about it a bond, individual bond is not traded as heavily as an individual stock there are issues with pricing, if you have an etfthat tracks fixed income security like muni bonds sometime the liquidity makes the price of bond drop faster than underlying value of the bond, that gives you a mispricing, i think a lot of people figure that out in june when the prices of etf, drop faster. Gerri a great point. I think that is a rail interesting point. Steve, a lot of people have gotten out of bond funds and etfs, is that the right thing to do now . Should you load up on stocks instead . I much prefer stocks that pay dividends above 3 , i want to go to my index point, a lot of people are perplexed anywhere do i put my money, and what sector, by investing in solid index funds, nazdaq or s p you get broad i di diversification and o well overtime. Gerri these days you dont have to make a lot of choices to set up a 401 k , you can invest in a handful of mutual funds or etfs. Condition you . Cant you . I guess, today you could. I would argue, you wouldnt a few years ago, when the market was in trouble and the economy sunkstunk. Not that it much better. But your case if you put in money every pay period, you are getting the prices at different times, you are spreading out your risk that is a good plan. Gerri that is the key to making money, the regular investment. Doing it all of the time, not sitting on sidelines, jamie, you talked about bond etfs, Charles Schwab has been talking about putting etfs in 401 k s they offer, they cant quite seem to get it done. What is going on there . Do you think . I think this is important to recognize with 401 k they are longer term investments, 401 k market disney better with mutual fund, because contribution semiconductor important than individual option chosen, you can take a index fund, 500 at saatvanguard and contribute to t return profile matters more about the contribution, it is not chases they make but choices they make but failure on make a contribution. The 401 k options are limited on purpose, they are designed to grow your money, index funds are fine within a 401 k , you dont have to complicate it by encouraging people to trade their 401 k s, they normally do it wrong when they do it that way. Gerri sort of does not matter what fund you pick, as long as you keep investing, you end up over longterm with decent returns, but that is ignoring the kind of get wrenching feeling of making a mistake. About what do you fell people who are still worried. For people who dumped out in 2008 and 09, if they held on there would be no problem, the prices are higher today than they were precorrection. Dont worry about shortterm swings, stay out of them. Gerri scott, last question for you, there was a report that more and more people with big dough. 25 million are hoarding their money, what do you say to them . Get out there and spend it. The economy needs you. I think that the thing we like to do best when we dont feel so good is spend money. As the economy gets better, get out spend money, go to storic make it a great holiday. Gerri you are assuming that the economy is expanding. Slightly is better than zero. Gerri steve, int scott and jame thank you a great job. Thank you. Well, while many investors are worried about etfs or mutual funds, dow up 20 this year. But not every Company Stock is living found expectations, tonights top 5, worst performing stocks in dow, do you dogs so far, cocacola, shares of classic American Company returned less than 12 this year. And just barely off the lows ofs there are frencofthere 47 a sha. Mcdonalds fastfood earnings has missed expectations. Many say it is the lack of new products, and number 3 exxonmobil, shareholders seen less than 5 return, and number 2, ibm, bad news for this company, been so bad shares have fallen nearly 5 . And number one worst performing stock in the dow is caterpillar. Earnings have gone from bad to worse. They are not looking up for the year, i think that Weak International economy going on. And when we come back, a new way to harness electricity could soon becoming to your home, taxes could be the death of your, but some states friendlier toward others than individuals for that matter, find out what is next. Pppp÷÷ppoo train horn vo wherever our trains go, the economy comes to life. Norfolk southern. One line, infinite possibilities. Gerri when looking for this next place to live, kip linger came out with a map that details each states taxes. So one of what are most and least friendly tax states, we ask sandra block. Welcome to the show, how did you come up with the numbers . What were you looking at, and how long did it take you to put together . It took quite a while, we look we envisioned a typical family, look at income taxes, property taxes, sales taxes. Gas taxes. And as you mentioned sin taxes, they come out in form of excite taxes onal excise taxes on alcohol and tobacco. Gerri left friendly, california, their income tax went up on. They have highest income tax rates in the country, a lot of states might have high income taxes and low sales taxes, california hits all of the buttons high income tax, high sale tax, you may payton pay, 1n purchases and their gas tax is expensive. Gerri connecticut, i did not realize their property taxes were out of control, they rank up there. Property taxes are high in a platt rate and percentage of home value. They have high property taxes, high sales taxes, annual car taxes they are determined by locality that can be as high as 800 a year on a 17,000 car, and connecticut has an estate tax too. Gerri that must support, roads and highways . What is the car tax for . It varies, so i assume it goes into the covers of the coffers of the town, were getting at, are you getting what you pay for, some peopler happy to pay the higher property taxes if they have Great Schools or higher gas taxes with great roads, but if you are not seeing the payoff, think about are you getting your moneys worth. Gerri great, and new jersey number 3 on the list. New jersey has highest property tax. Right there, that really boosts the cost of living there. And they dont really offset . Hear areas, one relief that new jersey offers they have low gas taxes, if you drive up there you might want to gas up before you get to new york. Gerri one more here, hawaii. State income tax, 11 . So lets go to the doing good list, most friendly attack friendly state, delaware with no sales tax, what else . They have no sales tax, and really modest income taxes, they are not collecting it on that end. Their property taxes are low. And i think that stands out about delaware, it is rounded by high tax states most of east coast, sort of lands in the unfriendly column. Delaware sticks out you think about its proximity too beaches and metro areas it is a good area. Gerri i look to wyoming, they be number two that would be great place to live. It would if you have a job. And with great thing about wyoming, they make so much money from oil and gas revenue, they are able to use that to lower taxes, they have no income tax. They have low sales tax, they have low property taxes, and they raised their gas, it still is below average for the nation. Gerri i see a lot of states louisiana, mississippi, arizona, alabama, nevada, where is texas, i thought texas was a lowtax state. Sometime you pay in another area, the property taxes are pretty high, people own a lot of property in texas. Sandra block great stuff, interesting study, i feel like i learned a lot thank you. Thank you. Gerri still to come, my 2cents more, changing the way we get electricity, how soon can we expect to go wireless, answers after the break. So i can reach ally bank 24 7, but there are no branches . 24 7. Im sorry, im just really reluctant to try new things. Really . Whats wrong with trying new things . Look mommys new vacuum cat screech you feel that in your muscles . I do. Drink water. Its a long story. Well, not having branches lets us give you great rates and service. Id like that. A new way to bank. A better way to save. Ally bank. Your money needs an ally. At od, whatever business youre in, thats the business were in with Premium Service like one of the best ontime delivery records and a low claims ratio, we do whatever it takes to make your business our business. Od. Helping the world keep promises. Gerri is the electric cord on its way to being obsolete, there is a growing push to provide wireless power over a distance, one of the companies leads the change i is i is wi tricity. Incidented by a profess ar thprofessor atm. I. T. Years ago,h all this electricity in walls why couldnt some go into the phone. He used oscillating Magnetic Fields in the area. Gerri like magnets . Kind of like that but what it does it oscillates at a particular frequency. Gerri i think my husband does it with his cell phone, he sets it on a pad it recharges . Right, if you is have seen those, they work by a technology that is about 182 years old, called magnetic induction, if you move that cell phone one millimeter from where it is on that pad it stops working, this allows you to do it over distances. Gerri is it safe . So, the Magnetic Field that is generated about same the earth, so while it oscillates at a particular frequency. The intensity is about the same as the earth, if you are comfortable living with the earth you should be okay. Gerri it is. Well, when am i going to be able to use it . How would i do that in my home . Right, so, see it runs gamut on power levels from cell phones to electric cars from, charging a cell phone wirelessly, to charging your electric car, you will see that in next couple years, you drive into the garage, you walk away from the car it charges withouting ing from plugging it in. Gerri a demo here. Right. So, imagine if you would, you would put Something Like this in to your krill phone. A cell phone, a coil, you couldnt see this, but in the back of your phone, there is no difference in this phone, if you put it in your computer, and your phone is up next to your computer, im sure it is often times, there you go, wirelessly charging, from the computer, so from the computer, to the telephone. So that is one example. I would have liked ted to bringa electric car into the studio but im not sure it would have fit. Gerri yeah, yeah. So cell phones and cars. Gerri eric, how choice are we to actually having this technology marketable . You will see these products in the market within the next 12 to 18 months. Let me show you another one, too. Double a batteries, the world consumed 40 billion disposable batteries last year. If you think about all that stuff going into landfill is is expensive form of power, 3,000 time more energy is used to power a disposable battery. Gerri how does it work . So, here is a worlds first wirelessly rechargeable double a, insped of spending 300 per kilowatt power you use 10cent power, 4 remote control, keyboard, mouse, they will never replaced again, they sit inside. Gerri great stuff, thank you eric. Appreciate your time, cant wait. Thank you,. Gerri im grabbing of some that electricity out of the air. Well be right back with my two cents more, and my answer in question of the i did, should the different have a say should the government have a say in you renting out your property, stay with us. My customers can shop around. But it doesnt usually work that way with health care. With unitedhealthcare, i get information on quality rated doctors, Treatment Options and cost estimates, so we can ke Better Health decisions. Thats health in numbers. Unitedhealthcare. You are gonna need a wingman. And my cash back keeps the party going. But my Airline Miles take it worldwide. [ male announcer ] it shouldnt be this hard. With creditcards. Com, its easy to search hundreds of cards and apply online. Creditcards. Com. Help the gulf when we made recover and learn the gulf, bp from what happened so we could be a better, safer energy company. I can tell you safety is at the heart of everything we do. Weve added cuttingedge technology, like a new deepwater well cap and a stateoftheart monitoring center, whe experts watch over all drilling activity twentyfourseven. And were sharing what weve learned, so we can all produce energy more safely. Our commitment has never been stronger. Gerrigerri shortterm rental ss fighting back against the government for saying who homeowners can rent to if for how long. Only if it is a reasonable zoning issue, i can understand renting out rooms by an hour. Gary more straightforward, no. No, no, no, i guess. We also asked to gerriwillis. Com, 3 said yes, 97 said get out of my face, government here is some emails on obamacare, bill from oregon, writes Kathleen Sebelius should be fired. Someone needs to be responsible. Early from washington earl from washington said if they wanted obamacare to work they would have made it such a great deal they would want everyone to sign up, telling people they will get fined if they dont, and screwing them over when they say uncle, that is bad practice. And we love hearing from you, send me an email gerri willis do thgerriwillis. Com. Obamacare getting a hollywood rewrite, in weeks, months and years, hollywood could not seem to shut up about it everyone from Jennifer Hudson to lady gaga campaigned for the law, but since the flop, celebrity world has gotten quiet until now. California endowment a private Foundation Spending a half million to promote obamacare stock make shire tv writers and producers have information about the Affordable Care act to be included in upcoming story lines of your favorite shows. Imagine that saying that young people will believe anything you put on tv. Its all a lit teal late. Im not too sure that the troubles with obamacare stem from people not hearing enough about it, it may be fun to watch to see if the zombies on the walking dead have any better luck getting on the echanges than the rest of us, thank you for joining us, dvr the show if you cant catch us live, have a great night, well see you right back here tomorrow. Lou for millions of americans tonight is election eve, as such goes, tomorrows elections are being styled as a referendum on obamacare. And administration that has been dishonest with americans, the biggest problem for the president , is that millions of americans are learning first hand. Dimensions of that dishonesty, i am lou dobbs. Good evening were just hours away tonight from polls opening across the country. Residents of some of the nations big of cities are set to choose their