First, i want to tell you about our special series. The users guide education. Tonight i am going indepth on choosing the right college. It sounds easy, but there are more than 4500degreegranting institutions and get to choose from. Figuring out the best place to go is no small task. He now how much the school is spending per capita on Educational Programs . Most tuition costs are not spent on tuition and said schools are putting money into fancy facilities and jams and student unions. None of that will help your child prepare for the real world among my guest tonight, brian kelly who put together u. S. News and world report best colleges list and has the exclusive rankings of 18 colleges based on half a million datapoint. Pretty good stuff. We will be talking a lot about that. First, our top story, pain at the pump. A thousand times over the National Gas Prices sitting in a milestone. A thousand days about 3 a gallon. Gas prices going up 91 . So no wonder hes seems eager to distract americans by having a natural gas punt. With more on this outdated Crisis Research fellow in Energy Economics and climate change. That streak is above three bucks a gallon. Listening to and a track tape. Satellite to make these predictions. Pretty volatile petroleum prices, gasoline prices. Would not surprise me. Maybe we will have another recession. That is our way to get it. Right now its in the mid 3. If you want to bet money bet on it being in the mid 3. Gerri the usual suspects that have the highest prices. Drill down into who have the highest and you have the lowest, as you can see. Let me tell you, these high prices, they act like a tax on consumers. This is just like having to pay an excise tax, sales tax, not like he will choose not to fill up their gas tank. The average household uses roughly a thousand gallons per year, maybe a little bit less. And so every dollar change in price changes what they can spend on other things by thousand dollars per year. If you have to drive a truck for your business or you have more than two and a half people in your household and a couple of cars instead of what it can be higher if. Gerri the president s of this week. We have a great Energy Situation in this country. He said it is all about me. This tale gas bomb. Here is the president talking about our situation with energy. If you add it all of over the last three and a half years our businesses have added seven and a half million new jobs. The Unemployment Rate has come down. Our Housing Market is ceiling. Our Financial System is safer. We sell more goods made in america and the rest of history. Regenerate more Renewable Energy and ever the for copper is more natural gas than anybody. Gerri reproduce more natural gas than anybody out there. And is it thanks to mr. Obama . I would say very much in spite of the president s policies. If you want to do some adding up, add up the amount of energy we are getting off of federal land, the one he has control over. It has gone down by 10 percent since 2010. If you looked up production on state and private lands it has gone up about 15 . There is a boom taking place with the federal government, unable to stop it, north dakota, pennsylvania, huge amounts of petroleum even Coal Production on private state lands. Drilling is going down. Any credit whatsoever. Gerri i have to tell you, my favorite numbers. Domestic energy. This getting a 1,200 come bonus last year. The decline in prices. That is not just the consumers. The bigger impact is that these new lower naturalgas prices have led to a renaissance in manufacturing in the u. S. Sometimes the president takes credit for that. But that is driven almost is as silly by these new lower naturalgas prices that have a huge competitive the advantage with other manufacturers in the world energy costs, and it is because of the technology that was not created by governments in spite of what some people might say, not produced on government land, state and private lands. A boom in naturalgas. Thats something we have a phenomenal resurgence in petroleum production. The peak oil people are horribly barrassed, and they should be. Gerri i have to get you to this study quickly. There has been a suggestion, particularly by the epa that fracking is incredibly dangerous destroying the ozone. Our new study showing that fracking may not be as dangerous as we think. What do you make of it . This is such an inside washington deal. What they looked at was the amount of methane that leaked to the protection of natural gas. Five years ago one of the big gas guys, 26 million to the sierra club to go after is new fee when after would not be replaced by windows in solar panels but natural gas. Some of these dont like it. At only buys you so much. Now the sierra club is going after the natural Gas Producers and saying it is bad for the environment because of the methane. Believe it or not, call people and not losing love. Some of the environmentalists will sicken made is still better than cold. Looking at this, fun to watch except that it will be so costly for the americans if they stop this fracking and if they reduce. Gerri i dont see how they will stop it. Thank you so much. One of the biggest concerns for consumers out there is insurance and not having enough of it. Time and time again after natural disasters strike. Today many colorado residents are returning to their homes for the first time after evacuation from the deadly flooding. But some residents are discovering that there is not much left of their homes. Adding to the hard break, many homeowners do not have Flood Insurance. Here to weigh in, spencer holland, president of ericsson insurance advisers. Always good to see you. I want to show folks some numbers on the proportion of people out there in colorado and those heavily affected counties, boulder, el paso, the proportion that have Flood Insurance is miniscule. Most people did not come and we know it is of one in a thousand year event. Does this mean Everyone NeedsFlood Insurance . We see is all the time. Floods in vermont in the midwest. People dont feel they need Flood Insurance because its never going to happen to them. When i speak to clients a year that all the time. Here we see in colorado, 20,000 homeowners. The entire state carries it. As you mentioned, singledigit percentages of people in the hardest hit counties that have Flood Insurance, and people are going to financially suffered. Gerri it is a disaster on another level as well. A thousand people. It is a tragedy for some many families. To have that double any weird you are hit hard as well, it is just really almost too much. We were talking in the green room about something that is interesting. That is the flood map. The federal government has been redrawing is for some time. You say it is going to continue for a while. Why these maps so important . In 2012 we had a new farm law. Part of that is over the next decade it will be redrawing maps because of inaccuracies. The bottom line is the program is not actuarially sound. Less money, 20 billion. And so they have to make it actuarially sound biggest to do that we have to make sure that maps are accurate because things have changed. What were seeing right now, these first two states have started in new jersey in louisiana and earlier seeing the rates on the Flood Insurance for the homeowner going up tremendously. Some of the extreme cases, the Flood Insurance guy, thousand dollars to 20,000. We just brought and. Gerri wait. At thousand dollars to 20,000. Absolutely. Just tomorrow the Senate Banking committee will have a hearing on this with two senators from louisiana wanting to weigh in on what is happening to the authority to change these rates. The bottom line is people cannot afford it. Gerri the average lead premium is Something Like 6. 57 650 per year. After these maps drawn it may be that people much use to get it but cannot afford to get it. And these other people letter in the actual hazard areas, people that do not feel like theyre in the house seat hazard areas will get a good rate, most of those people are not taking Flood Insurance. Were seeing that in colorado. People live on top of mountains. Think about the river 2 miles away. We are seeing is ground rather does not take up river to hit your building. Gerri i understand the state with the most flood damage typically in any given year is pennsylvania. People would think florida, you know, somewhere up and down the coast of louisiana may be. You just dont know if youre going to get hit are not. And that is why you should ask your independent Insurance Agent about the cost of Flood Insurance and dont forget that just because your home owners Mortgage Company may require the Flood Insurance, that is the building that theyre requiring. Dont forget about protecting your content which is all others side. Gerri just on the line, policies are not sold by the federal government. They are sold by agents. Thank you for that. It is great to see you, as always. Well, more to come this hour, including advice on your bank account. And if you can never have too many of them. Hopefully to get where youre going faster, the latest on plans to raise the National Speed limits. Your reaction. Stay with us. Any last requests mr. Baldwin . Do you mind grabbing my phone and opening the capital one purchase eraser . I need to redeem some venture miles before my demise. Okay. Its easy to erase any recent travel expense i want. Just pick that flight right there. Mmm hmmm. Give it a few taps, and. Its taken care of. This is pretty easy, and i see it works on hotels too. You bet. Now if you like that, press the red button on top. How did he not see that coming . Whats in your wallet . Amelia. Neil and buzz for teaching us that you cant create the future. By clinging to the past. And with that youre history. Instead of looking behind. Delta is looking beyond. 80 thousand of us investing billions. In everything from the best experiences below. To the finest comforts above. Were not simply saluting history. Were making it. Nascar is about excitement. But tracking all the action and hearing everything from our marketing partners, the media and millions of fans on social media can be a challenge. Thats why we partnered with hp to build the new nascar fan and media engagement center. Hps Technology Helps us turn millions of tweets, posts and stories into realtime Business Insights that help nascar win with our fans. Gerri so all week we are covering users guide to education, and looking at something that i think its critically important, the cost of education, how to bring down, how can you get your little Johnny Orr Joanna through four years of school and make sure the you not pay too much money for it. Tonight were talking a lot about how you put the right school. There are some 504,500 schools out there to choose from. A very big decision. You may be thinking harvard princeton. There is no doubt that your little johnny is thinking, what is the best party school. We will get to that later in the show. Now is time for a look stories are collected clicking on tonight. Stocks higher for the third day in a row. The results of a 2day fed meeting. Many expect the fed chair agrees and 805 billion monthly bond buying program. And microsoft, 22 increase in the countrys dividend. The new dividend is 0. 5 higher than the companys previous offer. Pay december 12th. Shareholders of record. The new cl report, Government Spending on obamacare and Social Security is threatening to overwhelm the federal budget. Because on to say spending would hone the economy. Washington restrains itself. I like it. In General Motors is taking on tesla. Working on an electric car that has arranged a 200 miles and costs around 30,000. Hoping to take some of the customers with the new product. The hot stories right now on foxbusiness. Com. Well, we have a great story. Attention all drivers. There has been a recent move from various state lawmakers paving the way for raising speed limits. Is a safe and should more states could involve to make joining me now, the National Motorists association. Do we have john . Hello. Gerri thank you for joining as. We appreciate you being with the show today. And we are asking the question, is raising the speed limit safe . In most cases it certainly is. What you have to keep in mind is that historical the speed limit and in particular highway speed limit has been said unofficially to know. We are now in the process of paying to playing catch up and getting the speed limit back up to where they should be and to what the roads are engineered for. Gerri i want to ask you about that. While were talking a lot to show some of these graphics that we have on the higher speed limits and some states asking for. Ohio, utah, illinois, new hampshire, and maine. Michigan was considering higher speed limits. You say that the limits were set artificially low. Why . For a lot of reasons and it basically goes back to the 1974 national 55 milesperhour speed limit that was inflicted upon us by the federal government. That speed limit all across the country. And along with that we sort of got into this notion that slower is better and when you raise the speed your decrease in spacing on the road. Studies have shown an practices shown that when you set the speed limits at their proper levels based upon practices you actually increase the safety on the roads. Decreasing potential conflicts among peoples. And in so doing youre reducing the potential for accidents. So in know, another way to look at it is to have since 1995 when the 55mile per hour law was appealed and the state started raising spree lasted 65 and 70 and beyond comment nationally highway fatality chance have been dropping steadily ever since. Gerri i have to say, a lot of leadfoots out there will be happy to hear what you have to say. Particularly that, it is a boon to safety. Heres Something Interesting that i find. Politicians, drivers, and even cops want a change riches and the number of speed traps out there. Why are those in danger . Well, they exist when you have artificially low speed limits coupled with high traffic volumes and at the enforcement. Wind you are bogging traffic jam you are creating the potential for losses stopping and starting youre not facilitating thehe smooth flow of traffic. It is really the key to improving road safety. Gerri thank you for coming and the show. We appreciate your time. I want to read one tweet from our viewers. It is not the rose that a dangerous. It is the drivers. I cannot agree more. Now we want to know what you think. Our question, should the National Speed limit be raised to seven milesperhour . It is already at 88 texas in the places. Vote on the right hand side of the screen and i will share the results of the end of the show. Coming up later, day number two of our users guide to education as we reveal the secrets of college a mission. What is it they are really looking for. Next we answer the question how you do that. How to pick the best bank account and how many you should have for you and your family coming up. There is a pursuit we all share. A better life for your family, a better opportunity for your business, a better legacy to leave the world. We have always believed in this pursuit, striving to bring insight to every investment, and integrity to every plan. We are morgan stanley. And were ready to work for you. See who does good work and compare costs. It doesnt usually work that way with health care. But with unitedhealthcare, i get information on quality rated doctors, Treatment Options and estimates for how much ill pay. That helps me, and my guys, make better decisions. I dont like guesses with my business, and definitely not with our health. Innovations that work for you. Thats health in numbers. Unitedhealthcare. Gerri one, three, six, how many Bank Accounts should you have. Gerri people tend to collect things. Bank accounts is one of them. A married couple can have up to six Bank Accounts, sometimes spread across multiple banks in multiple states. How many Bank Accounts to unique in daddy picked the right ones . With more on this, senior financial analyst. This topic fascinates me. People have all these accounts all over. Gerri if you are married couple, some people dont want some of the money theyre spending or is going to. Separate accounts . [laughter] even if has been than my share the bill is jointly, if i want to go watch football and eat chicken wings with the guys in my wife was to go shopping with their friends, you know, that wait weeks have our own account and can do what we want. I am a big fan of that. Even in the case for your sharing bills during the and have that joint Emergency Savings account. You can even add your own savings account if there are specific goals youre saving for gerri im spending more on the mall than you are on your chicken wings. Nonetheless, lets talk a little bit about you just mentioned it, its accounts for specific things like youre saving for the house, the college education. It seems to me that might make sense to set up separate accounts for that so that you can keep in mind what theyre for and not tax them. Particularly when it comes to retirement savings, by nature those are individual accounts, so i think there is lot of seven is there. The bulk of that can be joined in this sense that this is money that will provide for household emergencies where joblessness. But each individual may have specific goals that theyre saving for. That brought kids into