All that and more coming up, but first our top story tonight. They passed obamace and now they dont want it. Outre over congrs getting a prepass from the law of the land riddled with problems right before skipping town on a fiveweek long vacation. Claiming now, president of american actions form. Great to have u here. How is this that congress can give us the prescription for health care, health care and then they dont live by it. At do u say . Speaker this is a mess. Take way will be washington takes care of its own and doesnt Pay Attention obamacare passed, it forced the federal govement to drop the employersponsored insurance so unlike every other employer, is one had to go away, dumped the staffers into the Obamacare Exchanges and it barred the federal government from supporting the Health Insurance so you have any kind of a contribution. Gerr like regular americans they only get the money when they deserve the money. There are certain economic thresholds. Doesnt it me a difference . I dont think they should get the subsidies, it is not the int the law did mething clean it wodnt. If you like your insurance, you dont have to change it. It actually said you have to get rid of it, that was step number one. Step number two was indefensie in fixing this. Ruling we did not mean it, we are sorry. They had no ability to do that. This is the latest in that the administration has used his executive powers to orrule the law and it has become just a joke. Laws are passed and should be hered to by the administration. Gerri it is a lot like the debate ar in the Clinton Administration of whatever it was, the caithnessord, case is not withstanding. Which would today be mean we dot care aboutther laws. They are interpreting ijust the opposite. Deliberately put in to make sure you have a sweeping power. It was to make sure that there was no way they could keep the existing federal Health Insurance benefit. They reinvented the benefit into new clothing by ignoring the words. You just have to stand in your head to make sense. Gerri the peoplwho know the most about this, the folks on capitol hill, they say 90 say they dont want to be forced onto obamacare. They probably know about it more than anybo else and they say not a chance, i dont want that. There is a new poll out tonight, obamacare is a joke 57 , obamacare needs to be changed . It seems to me tre ia broad group of people who have decided this law is for the birds. Speak it is interesting, for years now there is a ve firmly transitioned viewpoints. E narrow majority thought it was a bad idea. The claim was as a become implement that people have grown to like it. The opposite has happened. More and more problems have arisen, people have ken time to lk at what is going on and dont like what they see and this will get worse before it gets better. Gerr tlking 50 days to obamacare, 50 things needed to be done. Are we going to be ready . There has already been an amendment, shoving place for Small Businesses is gone for the year. We got rid ofmployer mandate and reporter requirements but they still wont make it. This enterprises so gargantuan and so, gated they will not get the Computer Systems up and running in time to test them. October 1 will prove to be a very interesting day in the life of people wh have insunce through the exchanges. Gerri and it will hurt all of us. Heres a poll you are going to like, congresss less popular thancockroaches, root canals, colonoscopy, traffic jams, use carmen, genghikhans more popular than cgress. Genghis khan. I am just saying they dont like you guys that much in washington. Y old boss had joke where he said paid staffers and familybut the numbers are really that bad now. Those of the only people who say they support congress. Gerri it is absolutely true. So good to see you, thank you. Now we want to know what you think. Should congress had to live by the same rules athe rest of us . Vote on the righthand si of the screen. I will share the results at the end of the show. We had a sinkhole of congress and now swallowing up condo resort giving 100 tourists a horrible surprise good fortunately nobody was hurt in the coapse but 20 is sueptie, how dangerouare they . With more on this, physical scientist and geologist at the u. S. Geological survey. Thank you for coming on tonight. Tell us what a sinkhole really is. Is the collapse of settlement into a cavity below the surface, simply put. Gerri what is collapsing . Limestone, is that the typical . There are holes in the limestone. It dissolves and gets holes in it, there are overburdened materials that overlie that, sand and clay will slowly revel in. It will hold itself together and the cavity can get larger and then it can abruptly collapse and that is what ainkhole in florida is. Gerri why are they alin florida . Theyre not all in floor to, but a number of areas underlain by limestone and part of the landscape evolution ov time, over geologic time. Gerri seems there are more ad more sinkholes b the reality may be something different, what is going on . There are more things we are doing to the earths surface, we move drainage around, we pave areas, where kind of more in the landscape so i thing as population increases we will see continued sinkholes. We build in pipelis and disturb the earth materials so i think some is just part of we are mucking around in the geologic material. Gerri in florida and tennsee the good news is you can get Homeowners Insurance toover this with the rest of the country you cant. Ithat is basically the way that it works. Tiger woods house is starting to have problems from sinkholes. Is this something everybody is going to have to watch out for . This is going to affect more and more people . I think over time there are older places over time it is possible we could see increases, but were going to have to live more responsibly on the land surface. The other issues getting coverage were doing preventative construction. Informing with scientific expertise where to build, where not to build, what to do, what not to do. Gerri what suld i look for . What will be the telltale signs in my yard i could be in trouble . Cracking doors or windows that dont operate properly, things out of square. If aree suddenly leans or dies, their obvious visual effects. A good thing to do is document that with photos over time and a ruler or sething and keep track of the date. It could be natural settling but if there is Something Big going on, you will see signs and it is not in split seccnds. You generally haveime. But it is something if you need to get it checked out, you should get with the Insurance Companies and geotechnical engineers and they have different ways to investigate. Gerri i know people are wondering and my next. Thank you for coming on, great to have you on the sho all ght, lot more still to come including losing a loved one is bad enough but it gets worse the relativeeaveyou with that. Ana new government report shows how our kids are being overprescribed dangerous antipsychotic drugs. All the details coming up. Stay with us. With the spark miles card from capital one, bjorn earns unlimited rewas for his Small Business take theseags to room please. [ garth ] bjors small buss earns double miles on every purchase every day. Produce delivery. [ bjorn ] just put it on my spark card. [ garth why settle for less . Ahh, oh [ garth ] great businesses deserve limited reward heres your wake up call. [ male announcer ] get the spark k Business Card from capital one and earn uimited rewards. Choose double miles or 2 sh back on every purchase every day. Whats in your wallet . [ crows ] now wheres the Snooze Button . [ c horn, ding, ding how long have i had my car inrance . I dont know, eight, ten years. I couldnt tell ya but things were a lot less expensive back then. If youre 50 or over you should take a new look at your Auto Insurance. You may be overpaying. Actually that makes a lot of sense. Old policy. Old rates. And thanks to your experience behind the wheel, you might save 350 by switching to the aarp Auto Insurance program from thhartford. Plus, youll get benefits that reward your driving record, like our promise that you wont be dropped. Wait, you wont drop me, seriously . Thats right, you wont be dropped. And, if you know anyone who been dropped by their Insurance Company, you know thats a hassle you dont need. Especily these days. Plus youll get recovercare, which helps you pay for Everyday Needs like housecleaning, lawn care and pet services if youre injured in an accident. So my Auto Insurance is going to help pay the housecleaning if im injured . Did you say lawn care . Theyll help me pay someone to and if do it for me . My dog, call the number on your screen to switch to the aa Auto Insurance program from the hartford caland be rewardefor yourcreen experience behind the wheel. Recovercare, Auto Insurance that helps take care of me. Now ive seen it all. You wont dr me, you take care of me as well as my car, and you offer savings to switch. Its unbelievable if youre 50 or over call now to request your free quote. Im gonna call. Im calling. Im callg. Im calling. Call today and make the switch to the aarp Auto Insurance program from the hartford. Why wait . Gerri is the quest for a quick fix putting our children in daer . Federal Health Investigators are exploring kids and medical system. Joining us now, a psychologist. What are these drugs to begin with . Theyre giving them antipsychoticdrugs known as second or Third Generation antipsychotic drugs having less side effects than the originals. Notheyre giving mications. They originally were designedto be antipsychotic mications to help people with schizophrenia but they were diagnosed, people diagnosed with adult schizophrenia so giving drugs to children thaey had not been approved for. Gerri some of these kids are oneyearld. Theyre using the drugs for autism, bipolar disorder. They show some effectiveness but the real issue is what are the side effects . There are a lot of side effects for young people and old people. Gerri kids as young as five, as young as one are getting these ugs. What you think is really going on here . Why are they getting the heavydutyrugs . First and foremost we dont want to invest in psychotherapy and, control. Lock come from poor backgrounds, medicaid and other funding paying for the drug. A lot of the kids are in foster care not trying to rock the boat they can should behavior is controlled and they just dont want to invest in the future of these children because we dont know the side effects may be later on down the road. Gerri how do you know if u have any of this stuff . When i look at the general population, people who are not on medicaid, people paying for the drugs i am shocked the drugs are being given to young kids. There eight times re given to children on medicaid. Part of the issue biological parents are notresent, a lot of these kids have very big, emotional issues seeing in foster care so they dont want to rock the boat, they want to stay in e homes but it is not the answer. The answer is psychotherapy, control, working with the kids, working with the families. They are way too young to the medicated with heavyduty side effects. Gerri what about those who are this unbelievable cocktail that is shocking. Some of it is the pressure from the schools that they pretty much it dot control the behavior of this child, they cannot be in the school. Theyrthere sold a bill of good, given e medication, you have to do it the oldfashioned way. Put the work and the efforin in the long run you will have a althier child, emotionalll, psychologically and typically. Gerri lat in the show, the man behind tesla and space x is unveiling his vision for revolutionary new transportation system. We will have a live report on that, and we will have tips on the best way to cope when you inherit a money mess. Stay with us. Right now, 7 years of music is being streamed. A quarter million tweeters are tweeting. And 900 Million Dollars are changing hands online. Thats why hp built a new kind of server. One thats 80 smaller. Uses 89 less energy. And costs 77 less. Its called hp moonshot. And its giving the internet the room it needs to grow. This is gonna be big. Hp moonshot. Its time to build a better enterprise. Together. Gerri inheriting a financial mess my loved one can devastate your bottom line. Ti gerri i know you work hard to keep your financial house in order, but situations outside of your control can wreak havoc on your bottom line. For instance, inheriting a financial mess my loved one who passes, majored debt can get passedn to you or you may have you ke care of them, so how do you handle that . Welcome back to the ow. So good to see you here. You know, yolook at what is going on with the elderly in this country and they e under a lot of financial duress he had what is on there . 3. 3 million older america 2. 2 million americans oweomes, Student Loan Debt the average balance is 20,000. Huge increase in bankruptcies and they say 75 or twothirds of people over 75 have nothing left in their retirement, so were looking at a real financial crisis a that is there for the people left behind when they pass away. Gerri i cannot tell you how many open up that package with a find is that they did not have the money that they ought they did and their surprise and dont find out until after they have paed. Which of those obligations can acally be passed on to the next generation . Generly are not responsible for the death of a loved one who died unless your spouse makes unity estate or you cosign. But there are some caveats. One woman told me she got added onto her elderly moms account so she could take re of the bills and talk t them and after she died there were claiming she was a cosigner and said you are liable for the balance. Her word against theirs. Even if youre not responsib for the debt, somebody has to clean up this mess. You may have to pay for an accountant do final tax returns, it can be very expensive. Ggrri lot of kids never even talked their parents about the money. They are afraid to open up the discussion. How do you do that . Is a tough discussion to have. I went through it with a who died, that prompteme to talk to my parents. We shared a lot of information. Do they have a will, do they have debt we are dealing with. Ha the updated the beneficiaries, because if they havent, the money may go to somebody they did not intend to get that money and you are trying to be helpful. Gerri you dont wt to look like you have yo hands out asking for dell. If you find yourself in a position of having this. Order the Credit Report for the person who died if you are trying to resolve the estate. They will require you to show the letters of testimony showing you are authorized to handle the estate. The other thing you dont want to do is get greedy and go in and take things before the estate is settled so people will take the jewelry ohe fuiturand tereareebt the tateaybeiab, ifou liquidated assets you could be in big trouble. That is something you dont want to do as well. Gerri definitely a step you dont want to take, but people have learned a lot from this segment. Thank you so much for being here today. Really appreciate it. Coming up we have moneysaving tips when it comes to homeowners, d september a doozy for investors in a string of market ving headline set to come out next month. What should you do with your money . Coming up. Gerri september, it is the tory us for being the worst month of the year for stocks and investors are bracinfor a perfect storm of political and economic events that could do serious damage to your portfolio. Joining me now, money steps. Ief Investment Officer of pollutions fund group. Author of you can never be too ch. I will start with you, are you rrd abt september, should i be worried about september . I am not worried whatsoever. Theres a lot of fighting is going to happen with the budget and dicit taking up a lot of oxygen but the coast is clear, it never makes sense. We have to stay the course and not worry. It is baked into the market right now. Gerri the last time we had this big debate over money in washington stocks went through the floor. Is that going to happen again . I think there are a number of other factors you have to consider. The number of stocks trading above or below the 50 day moving averag the internals are rotten, we have had margin debt reaching its peak in april which has been in decline since may. If we are looking at sort of the market language, it is already telling us what it is september, october, november we are in extreme peril. I would disagree strongly. Gerr what kind of a correction are you expecting . I think a 20 correction would be about normal. 20, 25 chance of it being 30 or 40 . I dont know that we will preach at 10,000, but it would not come as a surprise keep in mind how dependent the markets are on speech from the fed. Gerri does david have it right . No. I will be the smartest guy in the room bsaying it is impossible to predict this because three Financial Guys what will happen in the market, youre ggi to get five different opinions. The question people need to ask themselves is are you a trader or are you an investor. Good luck trying to time the market. If you are an investor you should be a good portfolio knowing something didnto up, something didnt go down, dont ever try to time the market. Gerri i have watched the growth all year, gdp growth, rry, it is n not impressive at this poi, dont know what is going to market up other than ben bernanke. Is there anything to look forward to hear . Theres a lot holding it up right now. We all need some for the markets to go forward. We have had macro calm holding a market up. Balance sheets that are strong, multiples that are okay and central bas around the world. Can we correct by 5 , sure, why not. But overall weti are going to march higher. I dont think it is Strong Enough to have a big correction. Gerri they will talk about what they have been involved in four months and months. What do you think they will do in september . Will they pull the rug out from under the economy . They can do anything, the challenge is doing with ramifications of what they ch