Your show. Your money. Your voice. The government is backtracking as if things could not get any more confusing the administration into a changes the rules for consumers yet again days before the big deadline. Todd miller at the American Enterprise institute joins us now. Thank you for being with us. Here is what they say if your Health Care Insurance policy was canceled you can claim the hardship exemption not responsible for coming to terms to be the individual mandate. I thought this was the law of and we were all subject to obamacare now the government comes to terms that people cannot sign up for coverage . That was yesterdays law it is like the night at the improv comedy keeps coming on but it is sad the policies are changed and revised i am looking for new announcements for Christmas Steve will probably have a new Health Care Policy for other aspects. Gerri youre not seriously suggesting we will get more announcements . Yes. This administration with its approach is like somebody who is behind on a very expensive loan normally the loan shark cuts of the thinkers a of the toes but the administration does it is self with those provisions that are no longer workable. Gerri so it is too late to but this idea the fantasy that somehow the obama will follow its own way . I dont see that. Correct. This is what hhs said. Of the consumer believes the plan option is more expensive the and the canceled Health Insurance policy they could be eligible for catastrophic coverage for the hardship exemption. That is more expensive than obamacare coverage . Really . It could be. The actual premiums would be loaded if they of the fully loaded policies you will not get any subsidies for the catastrophic Coverage Even if you bought it through the change. That is the difference from net cost but this backtracks that the coverage scheme, regulation, subsidies are not working and for the people who work their way through the web site they are told thank you very much that we will let you off the hook. That is a bet a bad headline. Gerri listening to what the president said. The basic structure of the law is working. You still have to laypeople that signed up those that rolled through in the first three weeks of december alone. Gerri what . Really . I dont think that is true . Note. Theyre all kinds of fake numbers the 2 million came from adding medicaid some could be bag and tank to work out the details later it is fuzzy for those who had gotten through these applications. Remember last weeks rule was you did not have to pay for this insurance they will now cover you for a period of time but we will make it up later. These are people who did not complete the process but it is better on the state exchanges. Gerri we are running a list of delays. 24 that is what we calculated. 24 changes. That was to be the perfect solution cut the costing keep your doctor the world is your oyster now more people have lost Insurance Coverage take a look at these numbers. 365,000 cancellations cancellations, nearly 6 million. I see this as a tragedy for the american people. It is an embarrassment. We cannot just make things up but it turns out that is what goes on. Gerri i agree. Looking for word i am afraid to say 2014 will be its own problem looking for those who provide coverage it is more expensive and they get less options . Not only led be higher or your doctor is not in the network and the first month in particular is a nightmare for matching up as opposed to what the paper work shows and who is holding the bag what is not regular reimbursement. That is scary. People are going to the doctor or dead hospital to find out you dont have coverage. Thank you for coming on. It is a pleasure to see you. Merry christmas. Un tell the next surprise we will have you back. Now end exclusive update. Target response to the willis report on the fallout of millions of customers impacted by that date a breach. We have cofounder and chairman of Identity Theft 911. Great to have you. 40 million americans in the cross hairs facing what could be a financial loss or Identity Theft we dont know. What do you make of it . El link him breath is still unknown. We just know they found out out, it wws revealed by some of the processors. Some people were notified by creditcard companies, a target made a statement we still try to gather the full dimensions but it is pretty serious. Gerri we go to night mentioning security, of the numbers that were stolen debit and credit card numbers are out there sold by criminals and to other criminals. Maybe were shopping at target on black friday value reformation is sold at 20 or 100 bucks per piece for your information right here probably russian criminals buying your information on the black market is a tragedy. People pass this off as just another blow up. I believe targets they are fighting the uphill battle and by the way uphill battle . What did they do . Where is the ceo . They put out some p. R. Releases but will not pick up the phone how many tweets or Facebook Post from people who sat on the phone trying to talk to somebody from target nobody gets on the phone with them . It is outrageous thhre is a flaw someone managed to exploit that as people were exploiting debit cards and credit cards now they have announced today therell be free credit monitoring. Gerri that is not a comfort. The information has already been stolen now you tell me you offer free credit monitoring . Now they say if you have a loss they will make you whole but you may not know for awhile. Maybe it happens down the road. One of the things that is important people have to look at credit accounts and they count on a daily basis. They should do this anyway. To make sure every transaction they see is theres. People may want to replace their cards this could be part of their buying pattern people also have to remember gerri but you cannot find or fall on consumers shoulders it just is not good enough. I want you to hear from the people trying to get target to respond. Are you kidding me . After 48 minutes on hold been a busy signal and the call is dropped. Completely unacceptable. White you cancel everyones card and reissued to everyone since none of us can get through . People would be grateful for the proactive nature. Target needs to do more to protect its customers data to restore confidence how come it has not gotten ahead of the news . But 22 days between the time the ripoff started in the date they said something apparently reporters were calling them from all over the country they did not say anything they let people use the credit cards and put themselves at risk. Why . Trying to uphold their good name during the season . Crazy. There are situations where of a data em preach you hear the alarm sometimes they cannot be discovered right to way. Sometimes Law Enforcement investigates and they tell the target they dealt with their release that does not excuse the problem. Gerri target did not even find out first. They had to be told by other people in the industry. This is not a problem on the web but in the real world that they were not able to handle now 40 million americans, who knows . Will they be ripped off . Will they have their identity stolen . We have radio silence. We dont know so far target maintains the pin number for the debit card has not been compromised. If they are you have another set of problems because it is one thing for someone to use your debit card for a specific transaction it is another thing if it is used antiatm machine. Gerri that was the good news the stolen. But the biggest problem it is not the first. I a it will not be the last the Business Community does not take this as seriously as they should. Breach after breaching an issue after issue. And what they need to protect themselves and they dont create systems that respondent to people when there is a breach to make sure they are taken care of. Gerri i agree. We running out of time. Think you for coming. We appreciate it. Thing gives you still have time to give an end more on a massive story from a target as lawsuits kyle in against the discount retailer. Should they be held liable . My customers can shop around see who does good work and compare sts. 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 pa that helps me, and my guys, makeetr decisions. I dont like guesses with my busiss, and definily not with our health. Innovations that work for you. Ths health in numbers. Unitedhealthcare. [ male announce] the parking lot helps by letting us know whos coming. The carts keep everyone on the right track. The power tools iroduce themselves. All the bits and bulbs keep themselves stocked nd the doors even handle the checkout so we can work on that thing thats stuck in the thing. [ female announcr ] today, cisco is connecting the internet of everything. So everyone goes home happy. Gerri the problems for target keep coming. Not just dealing with the fallout of a Security Breach but now being sued by customers for invasion of privacy and negligence. Can and these cases stand . Lets ask our guests. We dont like target right now but we will not make any money off suing target to avert the customers that this is what happened very quickly they did that. But the credit card is paid via by the company. Gerri 22 days . Reporters were calling them but they heard nothing spinet they had still have full disclosure with data reach where once they know that they are to do it immediately. That was reasonable to do the own internal investigation also t. J. Max gerri this is a different case real world theft not online. But these magnetic cards in existence for ever. He would think with this particular point the point i try to make is that aspect has had stakes in other situations there is settlements because this offer issues are known. These are not new problems. I gave you that but with dollars and cents in front of a jury or judge for damages you really have damages when everything is paid for . That is a problem. But the person in the street yes the fraudulent charges may be paid by somebody ails the late payment fees what about overdraft protection or Identity Theft . I agree with all of that. I completely agree but in the court of loss. Court of law. I agree. I love to shop there but now claims scared. But they say we take care of all of that then there is nothing to argue about. But they dont. They will. Other retailers there was 7 million worth of damages with 40,000 class members they got what it is 75 each gerri the reality is this is unacceptable thhs is their responsibility. Lets talk about this what is valuable . Is that the inventory . The stores or real estate . Than they are not protecting that they have our information stolen. But the problem is in a court of law at what happened. But this period was during the black friday period. They tried to patronize the stores now they get this . No target tells people to go out and cancel the card in the middle of the Holiday Season before the biggest shopping day of the is ludicrous. Now it is a real problem. Elevate it out in front of it . They should have done it two weeks ago. Would get the statues they will not be held accountable in a court. There is already a lawsuit in california. It is unfortunate we dont have a federal statute. So it was meaningful to the company but not the consumers. But the consumer is capped. It could be a tiny amount we will pay you back. Gerri why isnt the ceo talking about this . They should be. This is an outrage. Gerri i apologize. Merry christmas. Think you very much. Braving the malls he will tell you which poll out the stops and heading to Consumer Reports for you procrastinators looking for something to put under the tree. And the same cialis is the only daily etablet approved to treat ed and symptoms of bph, like needing to go frequently or urgently. 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Its the nogames, nomessinground, noearninglimithing, doilooklikeimjoking, turboboosting, heavyweightchampion oftheworld cash back card. Thiss the quicksilver cash back card from capital one. Unlimited 1. 5 cash back on every purchase, everywhere, every single day. Now tell me, whats in your wallet . Open to innovation. Open to ambition. Open to boldids. Thats why n york has a new plan dozens of tax freeones all across the state. Move here, expand here, or start a new business here and y no taxes for ten years. Were new york. If theres something that creates more jobs, and ows more business. Were open to it. Start a taxfree business at startupny. Com. The pressure is on and we have you covered for the procrastinators. Coming up. Gerri the clock is ticking as americans wait until the last minute to finish shopping habit you find the best cadging a gift . Visiting Consumer Reports testing center. The Holiday Season people are not done. As of early december only onethird have started so lot of the stores there will be marathon shopping. Gerri believe fell hardest for the last. Spouses, a significant others children never to m3 but whos to the most regally kids with 39 percent of those surveyed in Consumer Reports said they will spend more money on their kids than anyone else. Gerri will cap the tablets with the ipad air . For the new one is thin and light colors are studying and realistic it is about 13. Five hours of battery life it is easy to read it is about twice as fast. Gerri its is lovely you also have the kid version. The curio is wonderful it is responsive with the silicone bumper 63 preinstall caps with seven hours of battery life it you can access the parental controls. Gerri so many worry and my protected. This is one of the best options out there we like the security inherited this product. If my husband came to me with this i should not be happy. You should have a more open mind if this is cool not like a vacuum cleaner but it is a fun appliance that can do something you dont want to do. Gerri big concerns how this has been operated but the problem with these it seems they miss a lot of areas but the i robot is terrific it picked up almost everything in its path when we tested it here at Consumer Reports it did a terrific job it is programmable you could have it after everybody is asleep it is for a hundred 50 but it was a standout. To be but once the of blue touse blue twos people can talk on the airplane it will sell out. This is superb. It offers blue tooth or wire cake about the capability in the blutooth realm and natalie that very good ways canceling properties for sizing comfort to a huge utility it is a terrific model. What you recommend . We back the buck stops here said nokia libya about would hundred dollars with a twoyear contract what stays out about this product is phenomenal. With 1. To make a pixel and it can shoot a low light onditions or photo correction. This is something that has reached new heights. Gerri why you have to wait to get your tax refund next year and what you should do about a. Even during the busiest this shopping Season Consumer is sick of the discounts why the fatigue . After the break. Ya ow, with new fedex one rate you can fill that box and pay one flat rate. I didnt know the coal thing was real. Its very real. David rivera. Rivera, david. [ male announcer ] fedex one rate. Simple, flat rate shipping with the reliability of fedex. Daves always wanted to do when he retires keep working, but for himself. So as his financial advisor, i took a look everything he has. The 401 k . Insurance pies. Even money hes invested elsewhere. Were building a Retirement Plan to help him launch a second career. Daves flight school. Go dave. When people talk, great tngs can happen. So start a conversation with an advisor whos fully invested in you. Wells fargo advisors. Together well go far. Gerri the Christmas Season of midtown retailers pulling out all the stops to open their wallets will this work . Here today if we have a personal finance expert. What are they doing . Any other discounts . Probably as good if not better. With the little electronic pet . [laughter] 3999. You will see good promotions across the board then the extended hours. Gerri we have a good graphic tell us about the marathon retailer. Around the clock they will be open crazy kohls, a macys, a toys r us some going over 100 hours consecutively to bring in traffic is crazy. And some are extending Free Shipping as late as the 23rd with Free Shipping or expedited shipping. Gerri value . They guarantee. Is crazy a phenomenal number because they know that people are shopping online and waiting and procrastinating. Gerri theyre up against problems a shorter holiday. Losing 1. 5 billion because of that. Gerri retailers have been so aggressive but what is interesting is they dont get the sales they expected even with this craziness. Table get some traffic the days ahead are the busiest shopping days as we go into next week it gets busy and saturday, but tomorrow is generally very busy so i think they will get the traffic but overall sales will be up three or 4 which is okay. You think it would be better with said gdp report he would think people would be more extended. That they are tired of the discounts. They are used to Free Shipping something exclusive something not going out to every tom dick and harry we are provided with Text Messages total craziness. Gerri get a less than stick to window go further. Americans were criticized for consumer oriented to buy the new stuff are they over that . They do but they buy a lot of junk showing a lot of people to have these budgets but theyre worried they cannot keep the budgets of 59 percent say theyre more likely to vote that specifically those to go in there to spend the money like no tomorrow because they need more stocking stuffers. Gerri we want to ask about reid shifting theres a poll that shows it is okay. Do you go along with that . I agree but you have to do with the right way. I got a blue sweater was not my color but i knew it is exactly what he wanted and your size i baby gift it. I would take it. I think it is perfectly fine and has become more acceptable. Bore people do at. Gerri merry christmas. Here is a question to you reid gift . I will share the results since most americans do what are the most common and gives . Number five is jewelry. Year old stuff is just vintage the picture frames. Swap out the smiling faces. Number three gift baskets. Make sure the items have not gone bad first. [laughter] number two housewares. Coffee makers, blunders, and the number one goes to be gifted item is clothing. I am shocked. But then they see you did not wear it to. Always remember the Cardinal Rule is remembered you gave it to you in the first place. When we come back advice on the best retirement option and to the important steps to take this week to make the pavement of filing your taxes of little less. So, this board gives me rates for progressive direct and other Car Insurance companies . Yes. But youre progressive, and theyre them. Yes. But theyre here. Yes. Are you. . There . Yes. No. Are you them . Im me. But those rates are for. Them. So them are here. Yes you want to run through it again . No, im od. You got it . Ye rates for us and them now thats progressive. Call or click today. Gerri you may have to wait longer to get your refund check the government shut down interrupted the tasks to update the Processing Systems so they have to start processing returns january 31st 10 days later than normal. Great to have been on the set. People are a fan of the refund although i am not but they rely on the many the earlier the deadlock the better. Unfortunately these people will have to wait it affects those that most needed the money. They live paycheck to paycceck but those that file pay down holiday bills or essentials purchases. It is unfortunate but this if you use tax software to file your return you can start filing electronically through jittery second. We will hold the return and tell the irs opens the doors then they will transmit and it will be first in line to get the refund. Gerri h r block is doing that same thing but i do see people out there those who tend to be wealthier but you can do things right now to reduce the tax bill. What you think . Taxpayers will see sticker shock but this is a great time to look at your donations not only cash but furniture and toys can be written off on the tax return to the extent that you value those. At the devil is with the details. Backs of your retirement the payment. Whether the i. R. A. Or the 401k plan invested in your future through your Retirement Plan is a great tax savings moved. Gerri this education savings is a good thing to reduce. Everyone really college, which is very expensive. It does provide tax benefits not only College Expenses so dont overlook that but these education benefits kim that. Gerri i like playing with pretax dollars. If you get a bonus dont take it on Christmas Day. Wait until to refers to to push it into the next year. Is a with deductions move those in to a 2013 for the immediate benefit. Gerri a lot of changes coming. Thank you for coming on. Merry christmas. For more lastminute tips to and on wednesday, a Christmas Day users guide to taxes everything you need to know not all 401k programs are created equal youre looking well for you and your buddy some of the best on the market. And compare costs. It doesnt usually work that way with health care. But with unitedhealthcare, i get information on quality rated doctor 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. Mpact wool exports from new zealand, textile production in spain, and the use of medical technology in the u. S. . At t. Rowe price, we understand the connections of a complex, globobal econom. Its just one reason over 70 of our mutual funds beat their0year lipperverage t. Rowe price. Invest with confidence. With investment information, risks, fees and expenses to read and consider carefully before investing. Gerri if you want to know which Companies Offer the best choral 1k. Is yours on it . Stay with us. Gerri i dont know about you but i use my 401k plan to pay for my retirement so which companies have the top program . Joining me now is the bright scope ceo. This is fascinating because you have so much data at your fingertips with 401k. Lets talk about how you come up with this list to help us know how the for a 1k plan is good. This is not a political contest your survey. Be actually grabbed the fed to statements for each plan and we do a lot of processing in putting into quantitative scoring model in trying to determine which plan will get you to retire but faster. Gerri what kinds of things you consider . Is it the options it . We back the number one thing is how much money actually goes into the planet your behalf with your deferral or that your company puts in for you for the match. Fees, quality of deduction and options you have a good option . Realestate . Bond . Smallcap . How long does it take to you to get the match. Gerri you have put it to gather. But now look at the number of wind 401k plan in the country is the nfl career savings plan. How did that happen . Theyre highly paid when you see a very distinct employees that oftentimes the company is is a device to contribute more on behalf of those employees because they do not want to lose them. In this case. Gerri and United Airlines pilots are southwest pilots that are well paid have good compensation of packages what was the savings plan and saudi arabia of oil . That was another plan that was incredibly generous. They just love the company because they say it does a lot including putting a ton of money in that has been on the list i think every year since we started five years ago. Then they decided to be so generous. those other plants. Ut was there any surprises of companies that you expected to have good plans but were not so generous . I have been watching apple for several years it is a Great Company if you just held the stock for yourself you made money but the benefit will come in the form of other things outside of the Retirement Plan relative to googles or i am it is just not that generous gerri that is fascinating. Wide you go to the trouble . Our Mission Statement is about providing Retirement Security to the work force and providing transparency. It incentivizes whether the cfo or the plan sponsor for the company like schwab who is of low cost index for the market pixel whole market better. Gerri fascinating. Is a great coach check out the web site. We will be right back with the user to the question of the day. To you regift . Yep. Stay with us. With n fedex one rate, i could ll a box and ship it r one flat rate. So i kn untilt was full. Youd be crazy not to. Is tt nana . [ male announcer ] fedex one rate. Simple, flat rate shipping with the reliability of fedex. Wow. Look at you. Ive aays tried to give it my best shot. These days im living with a higher risk of stroke due to afib, a Type Irregular heartbeat, not caused by a heart valve problem. At first, i took warfarin, but i wondered, could i up my game . My doctor told about eliquis. And three Important Reasons to take eliquis instead. E, in a clinical trial, eliquis was proven to reduce the risk of stroke better than warfarin. Two, eliquis had less major bleedi than warfarin. And three. Unlike warfarin, theres no routine blood testing. [ male announcer ] dont st taking eliquis unless youdoctor tells you to, as stopping increases your risk of having a stroke. Eliqu can cause serious and in rare cases fatal bleedg. Dont takeliquis ifyou have an artificial heart valve abnorm bleing. While taking eliquis, yomay bruise more ealy and it m take longer than usual for any bleeding to stop. Seek immediate medical care for sudden signs of bleeding, like unusual bruising. Eliquis may increase your bleeding ri if you take certain medicines. Tell your doctor about all planned medical or dental procedures. Ive got three Important Reasons to up my game wi eliquis. [ male announcer ] ask your doctor today if eliquis is right for you. [ male announcer ] ask your doctor today [ bagpipes and drums playing over ] [ music transitions to rock ] make it happen with e allnew fidelity active trader pro. Its one more innovative reason seouinvestors ar choosing fidelity. Get 200 free trades when you open an account. You can separate runwayridi. voseeker of the sublime. Ro. From fason that flies off the shelves. And you. Rent from tional. Because only national lets y choose a car in the aisle. And go. You can even take a fullsize or above,nd still pay the midsize price. natalie ooooh, i like your style. vo so do we, biness pro. So do we. Go national. Go like a pro. Gerri according to a new fox news poll,more than 7inch and people say it is okay to every audi do that . Here is what some of your posting on my facebook page. Ive done it. It is thh thought that counts. Jack rights, normally i have no problem with it, but everyone should be reminded to always practice safe we give in. That means be discreet. We also asked the question on gerriwillis. Com. 33 said yes, 37 percent of you say dont do that to me. Here are some of your emails. In response to your question of whether the government should provide job equality or equality of opportunity, the government has no constitutional business guaranteeing any sort of jobs. Give men need only get out of the way in a business to provide all the jobs. Jim from indiana says it cannot guarantee equal results. The best that we can do is to guarantee an equal opportunity. The results lie in the hands of the individual. Agree, jim. And rant from wisconsin agrees, it is not the governments job to make sure everything is fair. Life is not fair. Having a skill set or knowledge enshrined productive results for your employer will get you ahead in this country. Lincoln said, you cannot lift up the wage earner by bringing down the wage payer. We love hearing from you. Send me any member. Get to gerriwillis. Com. Consumers get the short end of the stick all too often, and so it is with the target breach of security. As we have been saying, 40 million americans have been exposed to Identity Theft and financial losses. Consumers on the high. While targets says customers wont pay for losses, what about the people lose the peace of mind or are forced to cancel cards during the Holiday Season. For its part, target could have done a better job protecting yes. The company 20 days to make public the breach. Their response after the announcement was subpar. Waited and waited and did not get a response. The company cl talks directly to the public. Come on and say something. Consider this an invitation to come on the willis report. Thats my 2 cents more. And thats it for tonight on the willis report. Thank you for joining us. Have a great night. As a you right back here monday. Lou president obama holds his end of the year News Conference and gives the White House Press corps several contradictory accountings of the number of successful obamacare enrollees. None of which have been confirmed by the department of health and human services, nor anyone else for that matter but, hey, its the holidays. Merry christmas, everybody. Im lou dobbs. Lou good evening, everybody. Obviously weary, tired president earlier today delivered at least six different numbers of how Many Americans have successfully enrolled in obamacare