Prescription cost for a breather with insurance but the kicker is you could be hundreds of dollars richer every single month if you took a few simple steps. Now from Prescription Drugs editor at Consumer Reports. Welcome back. 758 per year . And we could be sppnding a lot less. Using insurance when we dont need to and often buy medication where there is a cheaper alternative. Gerri what of the most interesting item in your story that sometimes you just buy the drug it is cheaper than using your insurance. Hall is that possible . We just discovered this of the last year there are hundreds of medications were the insurance maybe expensive than what the drug store deals are offering. Gerri shouldnt the Insurance Company . To make you would think so but this one is 4 per month that walmart or target yet Insurance Companies together spend 30 or 40 per month. And then to pull out the insurance card and they just automatically renewed up but stop and ask is there a cheaper way . Could i get this out of my pocket overthecounter . Gerri but some of them are cheaper. But they used to be Prescription Drugs or clarity and order prilosec. But to pay 225 for heartburn treatment. Or pay 241 per month in the generic is four bucks a month in the average insurance prices 45 per month. Or with clarity and it is 7 per month or just by prescription 120. Now to go for the cheapest price but sometimes i just cannot take clarity in anymore but. Sometimes you have to switch around. How do you take advantage . I have been looking for this for years of. In a better way you think there are some good things about it children under the age of 26 can stay on parents insurance which is good for people who dont have insurance the other thing is there is Preventative Services including vaccines and sometimes it is free in many cases. Also Medicare Part d that dont have the dreaded donegal is getting smaller and smaller and it will disappear in a few years. Gerri now the multi septum cold remedies and then they say buyer be where. Is a bad deal but we talked earlier with a multi symptom remedies with the day quill and the cycle they either put you to sleep or keep you awake. They also have a generic tylenol but then wind up taking too many doses. See you could wind up in the er with the damage. What is your advice . Separately a thing would be more money. A little bit but this is a safety condition you have to deal with. Gerri great stuff. Consumer reports. Check it out for your bottom line with Prescription Drugs. The white house better stock up on aspirin. The head of the agency whose job is to enforce obamacare does not want to switch to obamacare. Unbelievable in testifyintestifyin g today how the irs will implement the signature legislation in looking through the minefield of hypocrisy at. Last week your employees or a member of the National Treasury of the employee unions said a form letter to be exempt from the exchanges. From the very law their task with. I will offer a perspective as a federal employee myself but the with the Affordable HealthCare Coverage that i preferred to stay with the current policy rather than go through a change if i dont need to. Gerri unbelievable. Nobody wants to go on obamacare. But then to say this how can the head of the irs and the chief architect with the signature achievement dont want to be a part of it . Unbelievable. We are the 1 for all of them the new numbers show 1. 6 that is the number that matters. With more on this we have our political chief economist. Welcome back to the show. Great to have you on the set. To talk about the 1 under obama it turns out there real is gdp growth. The economy is overly regulated regarding the ultimate cost of obamacare. And then with the emerging mont current Market Countries like china and the list will go one. Gerri at some point you think they would discount the Current Administration why does this continue to be such a problem for Corporate America . Is having a great deal of difficulty trying to find Growth Potential for sales are profits with the interstates the we had today surprisingly enough the with the record bubbles they will not increase wages until they feel confident about the sales prospects. Gerri this is what the president should be focused on. At the end of the day there are people running around. Why doesnt matter . This is very strange. You could make the argument the Current Administration effectively has been good for the stock market in the wealthy but on either hand aftertax income has grown by more than 1 in fact, 1. 3 and that is down substantially from the lousy Bush Administration with real disposable income grew 2. 8 annually. Gerri the other never that concerns me is people who do not have fulltime jobs. This is not the right economy right now. That is important. Tomorrow we will pick up the number on the jobs report for the month of july. It may be 200,000 new jobs but people will jump up and down to say this is great. But if you look more closely you may find the quality of new jobs is not what it was in the past it to be the parttime jobs because of obamacare. In fact, during the last three months we found a 71 of the new jobs created were the lowpaying and stable categories of health care, a private education, leisure, hospital ity and temporary work. Gerri when the administration hires workers you know, it is a disease that affects everyone. It is always good to see you. Now we want to know what you think. What should president obama deby focused on . The 1 super rich . Log on to a gerri willis. Com i will share the results at the end of the show. A strange case of a rhode island families who came back from vacation to find somebody else living in the house and the ultimate insult writing checks to wall street . Gerri wall street moving into your neighborhood taking several family homes as landlords according to new research from Morgan Stanley in that will only skyrocket. Joining is a Real Estate Finance professor from george mason. Welcome back. This story i mo little worried about a. This feels reminiscent of the housing boom. With the invisible he and he and, we destroyed the economy with carter and clinton and bush with the National Housing policy. Were not invested in housing. When they bought assets extremely cheap with the housing industry. They want to turn this into a and investment. For with the Obligation Bonds or something similar but rental housing . That we had with the last time around as they came to the ground. With the Mortgage Backed securities desperate is so pitifully low and rates are going up but it started to go up 60 basis points so what might go up with the Interest Rates . With mortgagebacked securities. Gerri this sounds like another they my idea but with Residential Housing but i just wonder if we are in for another asset bubble. And i will scratch my head through the mechanics this will not be guaranteed by fannie or freddie or the fha and then whoever buys this will take on the credit risk. I cannot envision this will work but however ive just received an email saying you are supporting walls street with more people flipping them. Gerri maybe that is bad it is a oneway ticket. Silver bay, and this company and others, you can see the extent of the investing in what is going on. There scooping up properties all over the country really the only downside is if you want to to buy a house you are competing with wall street in those people have deep pockets. The key for bream got. But they are flat at the 1996 levels. Why . Those people that are applying for the Mortgage Applications the way they used to but if they do they have to compete with black rock and they gee too far cheaper and protect these policies helped wall street wall street more than a street. Gerri i hope he will look in your crystal ball to see any problems that may come up. I have been worried about a middle market bubble a couple of years because remember with the dead Housing Market they came out years ago to say i want to push rental properties. I am not saying this is because of that but when you combine 1. 7 Economic Growth , declining real household income, obamacare income, obamacare, where will people get them ready to buy a house . I think this is the rental market and they have a right. This is the wave of the future. Gerri by the way ahead of housing and urban development. I think the president has been increased for the wealthy and will street and if you job if you have a job be feel secure if not you are worried. We appreciate it. Thank you. You to. Gerri more coming up the quarterback gets caught up in a controversy over a 3 tip. We will talk about that next and to come back from vacation to find out people were living in their house . But millions of us are at risk for the very same thing. My mother made the best toffee in the world. Its delicious. So now weve turned her toffee into a business. My goal was to take an idea and make it happen. Im janet long and i form my Toffee Company through legalzoom. Never really thought i would make money doing what i love. [ robert ] we created legalzoom to help people start their business and launch their dreams. Go to legalzoom. Com today and makeour business dream a reality. At legalzoom. Com we put the law on your side. One may measure it by the thickness of its glass. The integrity of its highstrength frame. The amount of stitching in its interior. The power of its torque. Or the sheer number of its safety systems. Including collision evention assist, standard. But the true measure is how it protects those inside of it. The 2013 mclass. From mercedesnz. Gerri a rhode island family coming back from vacation gets a horrible surprise. Squatters leaving a mess behind a new survey suggests many homeowners across the country are unknowingly opening the door to this. We have Senior Insurance analyst will come into the show. 20 percent of homeowners leave the system disarmed during the day switch could be the open door to burglars absolutely. Home owners could be doing more to protect their belongings. For some it is peak season. Gerri i did not know that but i have a and alarm system and when you turn to god in the of petal falls off of a flower the alarm goes off. I think that is why people dont keep them on because they are set off so easily. It is a shame that most people are not using it to during the day because that is when the majority of breakins occurred rethink the happen and i you are mistaken and youre leaving yourself open. Gerri new numbers. And then even people leave their front door unlocked a time or to buy 35 the the ground floor windows unlocked. This seems if i do that it is a mistake but people do it intentionally . If you thank you can do well for the quick errand to the garage restore or run into a neighbors to leave your hooe open your really leaving yourself open. Unfortunately this is during the day so set the alarm and locked the door to make sure everything is protected so keep in mind nothing is happening to your belongings but civic some of the neighbors are jaded. You really have to be on it on your own because nobody watches it except you. Maybe you could have a Neighborhood Watch group to discuss what is your situation and . To have bail alarm system . It is good to know what is not let someone breaking into your home. You have to have Safety Devices for your protection also save you money on your home insurance. Gerri that is true. Not talking about these families that came home to find squatters so the information got out the kids came into party in the house. Do you need to be that careful . I always tell my neighbors where i am going. I think social media plays a huge part because if you post your vacation date online and pictures that is a big mistake. Wait until you come home. Gerri i had the same dilemma. Our ability to post pitchers on my vacation. How to protect your Vacation Home . You want to make sure you have the alarm System Installed that is the only way you will go if the home is protected. Insure the entry point of doors and windows are solid. You have good quality. Also talk to local police to let them know this is a Vacation Home i am only there a few months per year and ask them to keep an eye on your property they can also tell you if there is a Neighborhood Watch program that you could tap into a. Gerri how much money could i saved on my insurance with the alarm system . They can give substantial savings again it depends but as much as 10 or 2 . Of the will save money but it will not keep you safe unless you use it. Gerri turn on your alarm. Faq for coming out. We appreciate your time. Now looking up the stories out fox business. Com. Mortgage rates going back up the average rate is four. 4 in the Mortgage Rates are higher today than there were a few months ago but still low by historical standards. But then coming close to the new record high these are the numbers in the manufacturing report coming in better than expected. And of the best sales months in years of reporting sales in july from this pickup truck and to play a role in the financial crisis Goldman Sachs trader was found guilty of six counts of defrauding investors saying he lied about the quality of the mortgagebacked securities and those are some of the hot stories right now on the fox business. Com. Drew brees tipped off will hold the discussion on tipping. We have some really interesting advice. Coming up. [ male announc ] eligible for medicare . Thats a good thing, but it doesnt cover everything. Only about 80 of your part b medical expenses. The rest is up to you. Insured by unitedhealthcare Insurance Company. Like alltandardized Medicare Supplement plans, they help save you up to thousands in outofpocket costs. Call today to request a free decision guide. With the types of plans, youll be able to visit any doctor or hospital that accepts medicare patients. Plus, there are no networks, and youll never need a referral to see a specialist. Join the millions who have already enrolled in the only Medicare Supplement insurance plans endorsed by aarp. And provided by unitedhealthcare Insurance Company, which has over 30 years of experience behind it. With all the good years ahea look for the experience and commitment to go the distance wityou. Call now to request your free decision guide. Gerri a consumer alert. Foods recalled from the shells across the country denouncing of the 93 percent lean ground beef saying it could be contaminated with e. Coli. 50,000 pounds of the national beef, a major source or nature well are the areas affected. People in alabama, florida, georgia, l ouisiana, mississippi should cheek freezers for the 93 the in ground beef for throwaway or return it for a refund. Reports yet with any links to the beach yet but we will bring you the latest. Saints quarterback drew brees under fire for leaving a freak 30 tip on the tab he said he did that to the waiter but on a takeout order. We have the president of the Protocol School in washington. I want to show people that have. A bill of 74 and 0. 71 so the total he paid was 77 and 0. 41. Take out orders no service in did not sit down is that right . Absolutely he is not a cheapskate actually he did not have to it is not expected to tip on a takeout order. He got slammed so hard in the media on twitter and all social media calling him bad to reduces. He is cheap or a jerk, etc. But those people are the bad actors. Absolute the. With that ipad and the tablets in the sale this but the reality is he was right. Gerri he said if anybody cares i tipped 3 on a takeout order if i sat own it would have been 20 plus. That is the right to answer . Absolutely. Gerri so what do most people do when it comes to tipping . Are they to it being 3 or do most people follow the rules . I dont think all of them the servers only get so much per hour and rely on tips and then they have to pay taxes on their tips sometimes it is over 20 percent of it is fabulous and if theyre not doing good give them 10 percent. Gerri a deacon always Say Something. I have done that myself but to go back to the idea of social media because i think it is a cloak people hide their identity to say about regis things they would never say to anyone. Absolutely and the raunchy some of that forbid i have read on the response is of twitter or facebook it is disgusting and very rude. Gerri you think that this should end because ultimately it is the voice. Bad as when it crosses over and it has been a little scandalous. Gerri i appreciate your help today a. If they Say Something way more important you will hear a. Gerri making sure that dreary and finances day on track is tricky always to hear how Companies Need to be flexible but in reality it is us. How do you do that . Right now joining us from m. I. T. , joe it is great to have you here. People toby i will work until i of 70 or 75 but how would you say competitive for relevant . There are some new rules of retirement simply to work longer and whether you are a baby boomer but you have to prepare for 50 years of work gerri are you kidding . That seems like too much. Those of us even before the downturn we wanted to keep working we just wanted to do something different. It is probably not just one career in. Gerri that you can do di