Well talk about it. Turning an internship into a career, how do you do that . Well show with you advice from a top expert. For those of you looking to stretch your retirement dollars, buying properties overseas can be a great bet. Well give you all the pros, all the cons. You will decide. The willis report where consumers are our business starts right now. Cheryl we begin tonight with the danger that might be lurking in one of the most popular toothpaste brand in the nation. The chemical try close san, found in Colgate Total toothpaste is linked to cancer is in animals. It eliminated the product from the Soap Products in 2011 and but has no plans to take it out of their bestselling toothpaste. Joining me erin tolbert, emergency room news practitioner. Dr. Kevin campbell, assistant University Professor of medicine at university of north carolina. They have no plans to remove it. Colgate says were not concerned about try close san. Are we misled by the company. We have. We have Animal Studies from 1976, show it may interfear with hormone regulation. It may interfere and cause cancers and other negative Health Effects yet this is a multimilliondollar, if not billion dollar industry theyre trying to protect their turf here as well. Cheryl erin, talk about exactly what it is. The fda, we found out through frankly obscure release of documents that they have the data from colgate said look, there has been cancer in animals why would triclosan. Be dangerous if. Colgate uses it to prevent gingivitis to prevent bacterial growth in the mouth. It has been iaea effective to do so. It messes up your hormone. We see decreased testosterone production. It inhibits the thigh road hormone and recently linked to Breast Cancer progress. So it allows the cancer to progress more quickly. That is the major concern. All they it can prevent gingivitis it has all these other negative Health Effects. Colgate did respond to the allegations. To be fair here, i want to put up what they say is their response at this time. They say for 20 years, over20 years, Colgate Total has been subject of rigorous and continue us scientific review by the fda and regulators in the eu, australia, canada, countries which which affirm the safety and efficacy of coal bite total. Some countries have banned triclosan and were still using it. Im still very concerned. 57 of the americans have triclosan in their urine when they did the study by the cdc. Now there is Study Released this week and looked at mothers who were pregnant in brooklyn. They found the mothers, 100 had triclosan in their blood. Worse yet, 100 of the cord blood, meaning blood from the babies had triclosan as well. Cheryl here is the thing, erin, if we cant use triclosan on our hand, they took it out of Soap Products but it is okay to put in our mouth . Exactly. That is the major concern is, longterm use over time of these chemicals can be dangerous. Were in contact with this chemical frequently already through things like hand soaps, antibacterial hand washes, but the studies show that it may not even be more effective than just using soap and water. Why take the risk. Cheryl what about the fda, dr. Campbell . It is interesting, the fda back in 1974 would rule on triclosan by 1976. They never did much about it, because for Consumer Product it is doesnt have to be third party data. For pharmaceuticals it has to be independent third party that presents data to the fda the fda need to start looking at that for Consumer Products to protect our health. They have said they will rule on this in 2016. Almost 30 years later. If you look at the top toothpastes out there, coal bate total isnt number one but it is number three. Crest 3d white. Were not having the conversation about the two crest products but yet were having conversation about Colgate Total. Maybe this is overreaction again. Seems to be a little odd the way the fda quietly on friday released these weird spreadsheets telling us this was going on. Oh, by the way, this concerns about triclosan in our toothpaste. Right. It was a result of the freedom of information act. They were asked to release these studies and so they were made to do so by law. Youre correct in saying that, crest doesnt use this product. Other tooth pave the like aqua fresh, sense sew dine, dont use this product. Why do we need it in colgate. Cheryl 80 studies have been done, thats what colgatepalmolive says, but it is still in there. Erin, dr. Campbell. Thank you for being here. Thanks for having me. Cheryl during this hour well break down the state of american wallets and where we are since the Great Recession ended. Do you and your family feel, well, financially better off right now . Turns out jobs today pay an average of 23 less than they did before the 2008 recession. That translates into 93 billion in lost wages. Joining me now, gene marks, owner of the marks group which provide tech and Financial Services to 600 companies in the philadelphia region. He is probably on vacation because i see youre in San Francisco, gene. Thank you for taking a break with us. You caught me. Cheryl beautiful place to be. You work with all these small businesses. Talk to me, wages have gone down. Certainly that is better for businesses but why arent companies willing to increase wages . Why are we back to where we were supposed to be or where we were pre2008 . Interesting, cheryl. I like to think of example. We have 600 clients around the philadelphia area. One is a small familyowned business. Four brothers. They run a Manufacturing Company outside of philadelphia. A lot of yelling and screaming. They have 85 employees. They added 10 or 15 employees last couple years. But mostly low level, lowwage jobs. They have been under no pressure to pay more. You know what the biggest reason is . What is on amongst companies around america. Number one theyre outsourcing a lot more. They find independent people and contractors, there are websites like odesk and elance you find people to do sales work and Customer Service work and Development Work and Technical Work where you just pay them per deem instead of committing to bringing on a fulltime employee. Those guys, the four guys i know that run that company, i think are very representative of my clients, they are really, really hesitant to bring on more people in this economy right now. They would rather outsource. One other thing going on is technology today. It lets them do a lot more with people. So their management, they would rather keep them as busy as possible than having to bring on another high level, you know, 60 figure person as long as they can leverage the technology in the company to get what they have got to get done. There are a lot of great many applications. I can find you plenty of Service Sector jobs. If youre a bar end iter, waitress, can get you a job, engineer or nurse. Beyond that to find a highpaying job, that is the struggle people are dealing with right now. That is why the economy hasnt picked up. I dont believe the 4 gdp. Want to show you something, at least to viewers, show them what is going on how we changed in the wage makeup in this country. If you look from 2010 to 2014, this is four years. This is not since the recession. In the last four years, higher Wage Industries are paying less, less after job gain there. LowWage Industries, talking people that are making, you know, eight bucks an hour, 10 bucks an hour, that is where the huge amount of gains have been. That is complete shift. Can we ever get back to where we were, gene at all . Eventually we will. Let me tell you what is going on with the shift. There are a lot of startups. We hear about the startup economy. Reality, cheryl, at least from my client base, people starting new companies are Service Business or restaurants or little shops or contractors. Cheryl Service Sector jobs, that is exactly what im saying. That is the frustrating part. Go ahead. It is. Starting up a little business, it is great, if you have got you running your shop you need somebody at lower level wage to supervise. You dont need higher Level Management people. All the new startups going on, and new companies coming about, theyre run by high Level Management. Theyre starting out companies but they need lower level wage people. The wages stay low. The reason why theyre staying low right now because the economy still is not growing. I dont believe that 4 growth either. Im not seeing that among my client base. Cheryl but your clients, gene, are they, are they telling you theyre going to hire maybe more in the second half of this year . Were in the second half but in the next few months before the end of 14 . Every client that i talk to does not know if theyre going to hire more people. They would like to but no one wants to commit and the reason why because theyre not believing the economy is in a growth stage either. All we want to do, this is my company too, cheryl, i have 10 people. We want to get more done with the people that we have. That is the first priority. Were really loathe to bring on more people. That is what im hearing in my clients. Cheryl remind me of my good friend rich, who cant commit to a cell phone plan. True story. Stanley fischer, number two at the fed, here is what he said about growth in this country, you and i agree we dont believe in that 4 growth. We think it will be revised like nobodys business, basic challenge on list of issues, restoring growth if that is possible. Underperformance reflect as longer term growth shift in the economy and less growth and talks about supply. Do you agree with him . Yeah, 100 . The biggest reason for growth. I get back to the manufacturer outside of philly. There are is 1. 6 trilliondollars of cash held by american companies. My clients are doing the same thing. Were hoarding it. Were very loathe to make investments and bring on more people right now. If businesses really arent making those kind of invests and taking a risk, indicative of a nonbusinessfriendly environment right now. You will not have growth unless that happens. Im not seeing my clients. Where americans have their money . Gene . Cash. Number two, real estate. Cash is it. Cheryl cash is king. Gene, thank you very much. Enjoy the rest of your holiday. You too. We want to hear from all of you now, what all of you think, what are your lives like right now. How are you feeling . This is question for all of you. Log on. Are you earning more or less since the recession . Log on to gerriwillis. Com. Vote on the righthand side of the screen. I will share results at end of tonights show. I have a feeling i know what youre going to say. Still a lot more to come this hour. Try to be nice to me. Last night was a little rough on my ego. Just saying. During the show we want you to facebook us, tweet me gerriwillisfbn or cherylcasone. Be nice. Im recovering emotionally from last night. Email us at gerri willis. Cop. At the bottom of the hour well read all the tweets and emails, the nice ones. Coming up next the battle of the car sharing apps. Yes, things are getting downright dirt between lyft and uber. What you need to know before you take a ride. That is coming up after the break. The. Cheryl fierce rivalry between popular on demand car services, lyft and uber. They say they are making thousands of pickup requests decreasing drivers ability on lyft. Is there friendly competition or sabotage going on. Adam lashinsky joining me from fortune magazine. Fox news contributor. Great to see you in new york. Good to be here. Cheryl these are two San Francisco companies, formally where we see you from. Their offices are down the street from each other. This has been going on more a long time. Funny thing about the leadin there is nothing friendly about the situation between these two countries. One is really the goliath, that is uber and lyft is something of david. They are hip every and friendlier. They like to do a fist bump when you get in the car. Uber is not touchyfeely at all. Cheryl that is a food thing sometimes. But, you brought up the behemoth. If you look at valuation of uber, were looking potential valuation of more than a billion dollars. Of uber, 18 billion. Lyft is mere 700 million for little company. Cheryl 18. 2 billion and lyft. Is this uber trying to crush lyft abuse they dont want competition or other sides maybe they want to buy them at some point . My instinct theyre not interested in buying them. It is not enough business. Uber is doing more than enough business certainly in market like San Francisco. Lyft is in far fewer markets by the way. Cheryl uber is global. Five continents. So u. N. Or is interested, uber loves to pick fights. On one hand theyre fighting with taxi commissions and local governments everywhere where they are opposed. On the other hand theyre fighting with any clone as they like to call it, a company like lyft that comes in latewer similar business. Oh, no, we would like to have all of it. Cheryl i like to show viewers what theyre doing, its a little dirty im sorry. This is what uber is doing. This is incentive basically to go after lyft. 250 bucks to refer a new driver to the service. 500 bucks if you refer a lyft driver. 1,000 if you sign up one of mentors at lift. That is what the journal found out. At the same time uber is saying basically, hey, this is a program, riders, they can recruit drivers. They can do whatever they want. You know, theyre going to get a Better Living at uber. Come on over. Well it is, i give them credit at least for not dancing around the fact that they are going right after their competitor. I seem to recall in the past when the zoll phone companies had wars between each other, would pay a bounty, switch from the one youre with. I remember when apple ran ads encouraging people to switch from the pc. Come on to the light side. So uber is in this tradition. It is not nice. Cheryl lyft is coming out, we reached out to both lyft and uber want to come on and talk about . No we can not. Lyt of the gave the show a statement. Unfortunately for Community Members they use the tactics to waste the drivers time and impacts next passenger for the driver. What theyre doing, im pretty sure i saw this happen last night here in new york city, where they flood the lyft drivers with requests. And cancel them before the driver can get there. Like, oh, were too busy to get other real paying passengers. Lyft is right. Theyre victim after dirty trick. Having said that this publicity is great for lyft which is much smaller. Instead of clogging up the system this is really good for consumers. There is far more choice than a mere five years ago getting a ride from point a to point b in relatively big city. Cheryl i dont know. Im telling you, when i saw that last night, ton of cabs but no lyft drivers available and want to charge 75 premium. If that is uber doing it, that is pretty smart. Adam, good to see you in new york. Always a pleasure. Have you seen ads for an app saying change color of your facebook profile page. Dont click on it is a scam. It loads malware on to the smartphone or computer. According to mobile security blog post, 10,000 people have fallen for this. If youre one of them, go to the Facebook Settings change and remove color changer app and take the computer to get it cleaned out. Later on in the show, taxpayer outrage. A new report shows very little work done by employees. One Government Agency. Not a shocker. Coming up next, we answer the question for you, how do you do that . Wheel have advice retiring outside of the u. S. How about the best overseas real estate for your money . Coming up next on the willis report. Well be right back. Youre driving along, having a perfectly nice day, when out of nowhere a pickup truck slams into your brand new car. One second it wasnt there and the next second. Boom youve had your first accident. Now you have to make your first claim. So you talk to your Insurance Company and. Boom youre blindsided for a second time. They wont give you enough money to replace your brand new car. Dont those people know youre already shaken up . Liberty mutuals new car replacement will pay for the entire value of your car plus depreciation. Call and for drivers with accident forgiveness, Liberty Mutual wont raise your rates due to your first accident. Switch to Liberty Mutual insurance and you could save up to 423 dollars. Call Liberty Mutual for a free quote today at see Car Insurance in a whole new light. Liberty mutual insurance. Cheryl the increasing number of cheryl increasing number of baby boomers buying property overseas to stretch retirement dollars. One bad move in your piece of paradise can turn into a nightmare. Here to help you buy overseas is amir. Everybody goes to other countries and lot of success for americans in places lycos tariqca. Now theyre going to panama and parts of honduras. There is danger in this that the government isnt stable. What is the buyer beware . A couple of things to consider. Most important you want to be in a country, you want to invest your money in a country thats stable. Ivory coast is beautiful place with great beaches but you dont want to get your head chopped off. You dont want to be in a place where regime could change any moment like in Central America, where the change the property laws all the time that. Could be devastating for people that invest their money there. Cheryl perfect example is country like colombia. Plenty of americans have gone down there put money into condominiums and homes and they have had, next thing you know, laws, services, permits are not coming and you have to pay soandso. That is really bad stories. South america especially. Venezuela as well where they started changing laws for foreigners investing there. You want to be conscious of that. Other things to really consider is what is important for you. If youre retiring, you dont have to worry about education or things like that make sure crime is okay and commute. Cheryl but you do have to worry about, well, okay the language barrier. What about medical services . If im older, i want a good doctor around. Other countries where you would be concerned about that. Again, Central America. Cheryl what parts of Central America . Be specific. If youre outside of the cosmopolitan areas say in brazil youre really have to travel a Long Distance to get Decent Health care. So that is something to really considered. Cheryl what about price . Because a lot of americans now, with the real estate especially new york, people in miami, people in l. A. , San Francisco, theyre ones saying that cant get retirement home i want in this country, im going to go overseas, what would you say to that . I would recommend they rent their first, see if they want to live outside of america. America is unique place to live in. Easy place to live in. People have fantasies of being in Central America or somewhere in the jungle or by the beach and they go there for a few months and realize it is not really for them. Cheryl looking at some beautiful places, opportunities. I know a couple of your spots, one you could spend 700,000, one over a million. Sure. Cheryl these are great examples of if you can spend that money why not buy in florida or california or sop place like that . You doesnt have to leave the country for that. Cheryl i know. I heard good things about dentists in costa rica, but that was another conversation. Do you think well see more americans doing this type of investment and buying 2013. 3,000 americans denounced their citizenship. That is increase of roughly 33 from 2012. Seems like it is going up and up because taxes are going up higher. Makes more sense especially retirees to move outside of the count the at this. I dont see like a real scale changers. So, yeah i dont really see it as a thing that would, i dont see a major shift happening in that. Cheryl i was going to say, on the flip side because i follow your website particularly i see all the foreign money coming into florida in particular. Yeah. Cheryl new york, sure, but south florida. South florida is really good spot because they changed the laws there for developers, you have to take a decent amount of cash for people to buy there. So its a good stable, it turned into a good stable market. Cheryl nothing senses cash like a nice brazilian investor. Thank you very much. Thanks for having me. Cheryl coming up next, nearly half the employees at one Government Agency work at home but turns out some of those workers were not really working that much if at all. Well have the details for you. More than half of those who have taken out federal Student Loans are not paying them back on time. What this means for you the taxpayer coming up. Cheryl when it comes to certain government workers, working from home really means not working at all. Fox business washington correspondent peter barnes joins me on how some Government Employees are cheating the system. No, say it isnt so, peter . Reporter hey, cheryl. An internal investigation last year at the u. S. Patent and Trademark Office found some patent examiners who work from home repeatedly lied about their hours and that some received bonuses for work they did not do according to a draft report. The Patent Office launched a review of its telecommuting program because of four anonymous whistleblower complaints. In one instance, an examiner missed 304 hours of work, 38 days in a single year and got paid for it anyway. Examiners salaries are as much as 148,000 a year. Now, this draft concluded that oversight of examiners who worked at home a as well as in as well as in the office was, quote, completely ineffective. But the Inspector General of the Commerce Department which houses the Patent Office is concerned. Thats because when he got this final report a few months later, it said the internal investigation, quote has not found objective evidence of time and attendance abuse. He has been investigating that issue i throughout the Commerce Department and says the final report did not convey the true extent of problems at the Patent Office. In a statement, the agency says the draft report was just that, a rough draft that was, quote incomplete, inaccurate and reflected only a partial characterization of the full record. But we want to report that the final report did not reach a conclusion on possible time abuses by examiners because of unreliable records and inconsistent witnesses. Cheryl . Cheryl and the dog ate my homework, sure. [laughter] so what is the Patent Office saying, what are they doing about all of this . This is ridiculous, actually. Reporter well, even this final report says the agencys use of some of its internal controls in this area is, quote, inkilt. And the report consistent. And the report actually, the inconsistent part im not sure thats a direct quote, i want to be careful. But the final report includes eight recommendations for improving policing of examiners time including following some new guidance for supervisors that the agency introduced just last year, cheryl. Cheryl okay. So new guidelines, great. Has anybody been fired . Reporter the final report says that there have been some employee discipline cases for time and attendance abuse, but it says the number of investigations and cases, quote could not be accurately determined. Some of the possible reasons listed in that final report include lack of tracking and records, use of informal counseling about this five supervisors and a lack of enforcement by frustrated supervisors. Cheryl . Cheryl incredible story. I mean, its believable, but its unbelievable at the same time, i guess. Peter barnes, great report. Thank you, peter. Reporter okay, thanks. Cheryl all right. Well, Student Loan Debt, very serious problem and growing in this country, and now a new report is showing that more than half of americans using federal loans are having a tough time paying payments. This could leave taxpayers on the hook for all of this is charlie cook, founding and executive director of turning point usa. We now find out that more than half of these are not being paid on time, and if you look at the 30 days that these payments are not being made, thats even in doubledigit percentages. Whats going on here . Whats going on is there was a d. Of Education Report that came out a couple of days ago on the back channel of one of their web sites that showed something really alarming, that 50, almost over half of young people that have these Student Loans, are not paying them on time. Theyre essentially in delinquent status. These are taxpayersubsidized Student Loans, and what this is really showing is nearly half of young people that have these lopes would be categorized as heavy at risk if they took out a mortgage or a private student lobe. This is really, really scary for us, the taxpayers because we might be on the hook for their inability to pay off their student loan. Cheryl i mentioned 30 days plus clip went, that numbers a little more than 17 . If you look at banks, loans, thats what you just brought up, thats 3 . Another question mark about whether we should privatize this problem. But arne duncan, a lot of criticism has been lobbed at him, but what about this particular situation . Has he respond today this at all . Are there critics out there that say we should have a review of the program . Oh, i think so, and i think theres lawmakers on both sides that say we need to have reform. Personally, i deal with a lot of young people, and i can tell you the department of education seeks out young people to fill out the forms, and that should not be the way our student loan industry is structured. We have a government subsidized entity that can beat out any kind of other private loan and offer something that is so low at 3 or 4. 2 . And what they do is they incentivize young people to take out more money than they really should to study something that might not pay back in the future, and youre starting to see that with these high lates of delinquency, and i think its really scary when we have the taxpayers subsidizing things that are questionable and not necessarily Good Investments for our future. Cher cheryl that does beg the question, are we in danger now, and weve been talking about the student loan crisis ad nauseam, but are we in danger of this becoming another mortgage crisis, another housing bubble that is going to sink our economy and, again, the taxpayers are going to have to bail out large loans they cant pay back . Absolutely. I think were right on the verge of Something Like that. And something even scarier is were seeing an entire generation that is going to be in debt for the next 10 or 20 years. And even scarier than that, i think were going to see a rapid decline if not already in american entrepreneurship, in young people that might want to start a business or invest capital in an idea they have and they just cannot because theyre tied down with Student Loan Debt in the past. We have seen trends recently in the last three to four years, looks like 2006 and 2007 leading right to 08, and who footed the bill back in 2008 . The taxpayers did, and were seeing same kind of trends now, and i think we need to ask ourselves should we keep on pumping in cheap credit money to subsidize and jeopardize the future of our children and grandchildren . Cheryl charlie, this discussions going to continue on this network. Thank you very much. Appreciate it. Thank you. Cheryl well, we want to hear from all of you, and heres what some of you have been tweeting about our poll question tonight, and it was about wages. Hey, those kids arent making any money. How are you doing at home in are you earning more or less since the recession ended . Happen to stay one step ahead of rising costs. Any expert on your show says minimal inflation is actually lying. Rick agreed with this and said earning just a little less, but due to high prices, seems like a whole lot less. Over on facebook, leslie posted i earn a lot less, no one can earn what i do and not worry about tomorrow, today at least is manageable. Keep writing to us, we love hearing from each of you, and let us know what your personal situation is. Thats why we run a business network, to talk to you about it. When we come back, in such a fragile job market, getting a leg up on the competition is each more important now more than ever. Next were going to have advice on turning that internship into a job, maybe even a career. And here is your consumer gauge, numbers you should know. Be right back. Shes still the one for you. And cialis for daily use helps you be Ready Anytime the moment is right. Cialis is also the only daily ed tablet approved to treat symptoms of bph, like needing to go frequently. Tell your doctor about all your medical conditions and medicines, and ask if your heart is healthy enough for sex. Do not take cialis if you take nitrates for chest pain, as it may cause an unsafe drop in blood pressure. Do not drink alcohol in excess. Side effects may include headache, upset stomach, delayed backache or muscle ache. 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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. Were changing the way we do business, with startup ny. Weve created tax free zones throughout the state. And startup ny companies will be investing hundreds of millions of dollars in jobs and infrastructure. Thanks to startup ny, businesses can operate tax free for 10 years. No property tax. No business tax. And no sales tax. Which means more growth for your business, and more jobs. Its not just business as usual. See how new york can help your business grow, at startup. Ny. Gov cheryl all right. College students, if you are looking to turn that internship into a fulltime job, its not as impossible as you may think. 58 of interns end up being hired full time. Here with us, tom, to talk about jobs. [laughter] a lot of these interns come in, we just had a whole intern crop here at fox. They come in, you know, theyre brighteyed, but youre saying a lot of them could actually get a job if they do just a few key things. And i would think that communicating with who youre working for is absolutely. Cheryl right . Youve got to express the desire this is where i want to be when i finish college, or if youre doing it after i finish college to show you what im all about. As an intern, you really have to go into the philosophy as first one in, last one out of the office. Cheryl okay, so put in the 12hour day. You really want to do it, you want to be a part of it. What about getting recommendations . Obviously, there may not be a job where youre interning, but dont you need a full blown recommendation . However, the person who youre interning for may end up leafing and going to a leaving and going to a competitor. Make friends with people. Its not everybody whos looking around and and saying, oh, i want to hang out with this 21yearold whos a senior in college. But when they see your work ethic, theyll want you. Cheryl they are kind of cheap. What about you get the recommendation, im assuming you want that digital or do you want it on paper . No, you want to have it digitally because its easier to send out, but i tell every Single Person in college or graduating, get both. Cheryl so you have it. Absolutely. Cheryl and what about linkedin . Weve talked about that before, but is that good . Its good to have, and you want to make sure you have your internship posted because when people are trying to recruit you, ive seen interns get recruited just based on their internship. They want the experience they had of the company. Cheryl thats so interesting. What about thank you notes . The question mark came up because im not sure anybody writes them anymore. Is it an effective idea . You want to make sure to do that. If you would have asked me three or four years ago, i would have said handwritten or typed notes, however, now so many people are remote, and you never know if its going to get there. Do an email thank you, make sure you proofread it. Easiest way to lose a job opportunity. Cheryl make sure you still know how to write in cursive. [laughter] also i would think, and this is you should write a list of your accomplishment skills that you have, you know, and maybe put that all op your resume. Absolutely. You want to create a bio. Its almost like a Graphic Designer or oldfashioned advertising person has their book. You want to have what youve accomplished and what youve done, and you want to have a section that shows on your resume the skills you have that are transferable. Cheryl what about keeping in contact . Obviously to, if you dont get a job like, how do you do that without being paid . Theres such a fine line between being persistent and being a pain in the neck, and it really is more of an art than a science. But it makes sense that if your internship ends right before labor day and youre going back to college, a couple of times going in your last semester. You want to make sure you have it just a quick email, i took a class that reminded me of what you said, or i talked to a professor, and they brought your name up or industry, just something that shows youre top of mind, and this is my followup. Cheryl and i really wish you would hire me in may of next year. [laughter] for as much money as possible. Cheryl tom, thank you very much. Good to be with you. Cheryl well, still to come, were going to have a look for all of you. Sad news that broke last night. Robin williams greatest roles. Hes our top five tonight, and well be right back. Cheryl it is no secret that the government wants to know everything about you, but when it comes to the treasuretrove of information, dont expect the government to keep it safe. A report by the New York Post reveals the Philadelphia Census Bureau lost track of 61 laptops that collect data just two months before the last president ial election. And, of course, this incident far from isolated. Lets bring in a former white hat hacker, the ceo of nightline security. So how easy is it and how common is it for 61 laptops to just go missing . Unfortunately, i think this is actually a very common occurrence for the government. I mean, one of the things they have to do is they have the perform annual audits of their i. T. Processes and procedures, and one of the thing most federal agencies keep coming up short in are things like Configuration Management and trying to figure out where their assets are or even understanding what they have in their environment. Cheryl i think its the type of information that got my attention in the post story this morning, and we did reach out to the author of the story, he couldnt join us, the reporter, but basically he said, look, theres only six census areas in this country, and initially it was 120 laptops, and they found all but 61. 61 completely missing. And on these laptops, incredibly sensitive data. Were talking in particular unemployment data. And hes making the assertion. Hes making the assertion in the article that the Unemployment Rate magically went down right before the election, and it happened to be tied to these missing laptops. This could be a coincidence, fine. But in the world of, you know, pc theft, do all these things kind of just raise a few red flags maybe in your mind . Yeah. I mean, and part of the problem is, i mean, as an agency or each as a company, you really should know what you have and where you have it. And so to say that, you know, there were 120 laptops that were initially stolen or lost and then 60 of them suddenly turned up, how do they turn up out of thin air . To me, thats a pretty big red flag to say, well, we think we had it, but now were not really sure what we have. It just seems like a jumbled mess to me. Cheryl i do want to say the reporter said the census was fake for the 2012 election jobs report from august to september, the Unemployment Rate fell from 8. 1 to 7. 8 , so i do want to say thats interesting. On the other side of this, is this a bigger problem for the government . Do you think that other government agencies, weve had this issue with the v. A. , weve talked about the education d. Theyve had transgressions. Look, laptops, maybe you want it for free, i dont know. But is this a wider problem that the u. S. Government just cant get their arms around . Yeah. I really think it is. So one of the things that all federal agencies have to do is submit their annual audits, so theres whats called a fisma report that goes to congress once a year, and that shows efficiencies across all federal agencies. One of the things theyve actually done is mandated that federal agencies move all their i. T. Servers and services to the cloud, and that was actually the majority of which was supposed to take place in june of this year, so thats been going under the fed ramp program. So they know that they cant handle it themselves, so theyre really passing it off to private companies to handle it for them. Cheryl so you think its better to outsource to private Companies Even if it was critical census data which is what we base the jobs report on. We base a lot of things, incomes in this country. You think that would be better off than the private sector . Honestly, i think things run more smoothly in the private sector so is, yeah, i do think, absolutely, the private sector can be held to much Higher Standards as well. When federal agencies dont comply with the legislation, they get their hands slapped. When private companies dont comply, they start to lose business, so theres a much greater motivation. Cheryl vinny, thank you very much. I know youre the guy to talk about the cybersecurity as well. Good to have you on the show. Thanks, you too. Cheryl all right. We are going to be right back with a look at the incredible work of Robin Williams. Also we are going to have the answer to our question of the day for all of you, are you earning more or less since the recession ended . Willis report, be right back. Hard it can be. How. To breathe with copd . It can feel like this. Copd includes chronic bronchitis and emphysema. Spiriva is a oncedaily inhaled. Copd maintenance treatment. That helps open my airways for a full 24 hours. You know, spiriva helps me breathe easier. Spiriva handihaler tiotropium bromide inhalation powder does not replace rescue inhalers for sudden symptoms. Tell your doctor if you have kidney problems, glaucoma, trouble urinating, or an enlarged prostate. These may worsen with spiriva. Discuss all medicines you take, even eye drops. Stop taking spiriva and seek immediate medical help if your breathing suddenly worsens, your throat or tongue swells,. You can get hives, vision changes or eye pain, or problems passing urine. Other side effects include dry mouth and constipation. Nothing can reverse copd. Spiriva helps me breathe better. Sfx blowing sound. Does breathing with copd. Weigh you down . Dont wait ask your doctor about spiriva handihaler. Cheryl earlier this hour we told you aa new report showing more than 8. 5 million jobs have been added since the recession, but the average income has dropped 23 . So our question, are you earning more or less since the recession ended . We asked all of you this on gerriwillis. Com. 17 said more, 83 of you said you are earning less. Unfortunately. Unfortunately for all of you. Finally tonight, we all know Robin Williams led an amazing life with a legendary career. He got his first big break when he was cast as mork back in 1978. That blossomed into an incredible movie career. So in tonights top five, some of his best movie roles. Number five, good morning vietnam back in 1987. According to entertainment weekly, his role as Adrian Cronauer was the start of his golden period. Number four, mrs. Doubtfire, one of his highest grossing films of all time. Number three, aladdin. His turn as the voice behind the genie has gone down in disney history in terms of some of their best films. Number two, one of my favorites, dead poets society. O captain, my captain. His role of john keating standing on desks is still an inspirational movie 25 years later. And his number one movie role is, it was well, of course, the one that won him an oscar, good will hunting. His turn as matt damons therapist without reaching for tissues, it was just a great, great movie. Again, just a scratch of the surface of the success for Robin Williams behind the camera and in front of it. Charles paynes next. Charles tonight on making money, you know, its not often that someone passes away and it seems like we all lost our best friend. But the tragic loss of Robin Williams calls attention to a couple of taboos, depression and money, and were going to discuss it tonight. Were also starting the second biggest shopping season of the year. Will we see a retail revival . If the economy is going to be strong in the second half of the year, it better start right now, and today ive got two stock ideas for you. One a big pop for quick money, the other is perfect for your 401 k . Sit back, relax, call up your friends, and lets go make some money