No matter what you call the problems run in the role of the obamacare exchanges, is causing anxiety for supporters and opponents. The big question, what kind of mess will october 1st during. With more on this, former policy adviser at the center for medicaid and medicare services. Great to have you back and show. You say that the achilles heel of this bill is actually the implementation phase. Is that the lindsay infrastructure. What is going on. A very hard time verifying eligibility for subsidies, figuring out how much people are entitled to. Gerri before you run on to something else. They cannot even tell you how much money the government is going to give you which makes it impossible to determine if you connect for the coverage. Has right. It will be a very icon insurance come about that, sharing, they have not competed then. You will know how much you owe on your hospital bill. Gerri thats crazy. Just as not work on seven levels the administration thinks in the first year there will sign on some 7 million adults. Is that likely . Frankly, what are you expecting come next tuesday . They backed away from the estimates. This will be a slow rollout. People will not rush to get involved. A lot of young people will not enroll because it is that a good economic deal. Right now the numbers are closer to around 4 million. It is likely to be older beneficiaries, people with chronic diseases in the Health Care Insurance and for a man is probably a good financial deal because it would be much costlier for them to go to the individual market. Gerri the individual market is shaping a pretty good if elected headtohead comparisons on cost for healthy individuals. Gender families and certainly an individuals. Gerri you know, one of the big issues i think that people are already worried about his status security. And starting to hear that people dont want to sign up because they dont want to give the government personal data. I you familiar with that . We are consolidating the regulation of Health Care Insurance and also consolidating the aggregation of affirmation that people need to use. Gerri consolidating the aggregation of effort. That means all the information is going into one big computer. Goodness knows it will have their hands on that. People who could not get jobs anywhere. It magnifies the possibility for rest. The equivalent of census workers. A lot of fraud because the administration relied on those navigators. Places where people go for those kinds of services. Gerri he said the government has set a lobar for themselves. Lets see me . If they enroll one person in one state into one Health Care Plan it will call at the success. I think this will not sell. I think it will crash. The backbone is a vulnerability. The amount of people kicked out of the system entirely, pushed over to data call centers, they have signed a contract just today for 380 million tell people basically litigate, arbitrate if they dont get the benefits that. Gerri they are expecting people to complain and complained mightily . They just today signed a contract for call center that will be somewhere you can appeal to. Gerri and no one thought of that. Two and a half years since this law was passed. Did not Start Testing the system for signing until a month ago. They should have been doing that in early spring. Gerri there is no way that theyre going to get medicare and medicaid and these systems to talk to each other and the federal government and standing between them, the glue of all of this, the navigators. People who have had a halfhour session on what the law means. The first year of this. A lot of people who would have been eligible would be pushed out. The biggest problem will be looking at whether theyre eligible for medicaid or obamacare which is a lot of lowincome individuals might have been able to benefit you are not a point to be able to. Gerri one other thing, we were already starting to see this scam artists and from answers creating web pages helping people would go to the web pages to sign up. We have seen this with every major obama initiative. Alcohol moment to of help for homeowners. What would you tell people who want to check it out . Go to the places youre accustomed to getting information. They created these navigators which did not exist before. They relied answers the people tested and it would have some many of which is for brought they have created this opportunity for fraud. Gerri thank you for coming on. Always good to see you. Wow. It goes on and on. Welcome made of nylon and of the show next week, all next week. Bring your users guide to obamacare where we will break down all of the big consumer questions surrounding a lot. Who has to sign up, what kind of coverage is available, all the details dry everything you want to know. Welcome on to another safety story, i guess. The Insurance Institute for Highway Safety releasing its first ratings for crash avoidance focusing on the crop front crash prevention and auto brake systems. Are all of these features worth the money . Joining me now, its great to have you on the show. The report was fascinating. A lot of detail. Tell us about the two major technologies that are work and you looked at in the study . This is an indication of a big change of how consumers will evaluate the safety of vehicles. This is the firstever ratings, the vast technologies that are aimed at helping drivers avoid many kinds of crashes altogether. We elected to specific systems. Forward collision Warning Systems which are intended to alert the driver to a hazard ahead and expect that the driver will then take action to avoid the crash. An automatic braking systems that can break the vehicle, the vehicle breaks itself if the driver does not take action and apply the brakes. And we know that in the real world both of these systems are using crashes. We have found that some perform better than others. Gerri 110 ask you this first. The systems are bundled into these Expensive Technology an ounce, packages that people can buy. I have to tell you, i am not sure i am thrilled about automatic braking. Why are people paying more attention when theyre driving . People driving distracted, not paying attention, always a problem since the days of henry ford. We have never had a way of dealing with that in a comprehensive way, but these hightech crash avoidance features of the promise of dealing with some of the crashes that we have not been able to prevent or have a countermeasure for. And you some of these systems right now cost 1,000, 2000, 3,000 because theyre bundled with all this other stuff. What our tests are intended to do is show consumers which ones are worth the mey. Gerri and which ones arent. Gerri lets get to the vehicles rated superior. The best performers were to subaru models. The legacy and the ambac come equipped with an optional feature called eyesight. And these two cars, these two vehicles were able to stop completely in that two tests that we do and prevent the crash from happening. We also have the performance, superior performance from cadillac ags and the cadillac as our next, the mercedes c class, and to volvos, that s60 and vsc60. They earn our superior rating which means it did a very good job of either preventing the crash were scrubbing up enough speed to really reduce the severity. Gerri did any of the vehicles were they just subpar . We know from of realworld data all of these systems are reducing crashes. Afford collision Warning Systems are reducing some as a crashes by about 7 . The of the break about doubles that a fact, but we did have some vehicles with the auto break did not perform as well as the superior rated ones. For example, the infinite tjx that we tested advertises of break, but in our track test there was minimal breaking. And it did not avoid the crash or reduced much speed. Gerri both of these products or when youre driving more slowly. More likely to be a residential neighborhood in the people rather than other cars. Makes sense to have some extra protection, i suppose. Thank you for coming on. Interesting stuff and we appreciate your time. Thank you for having me. Gerri more, more and more to come including finding that special person in your life. No, not your spouse, your Real Estate Agent. Skewer and fewer couples are experiencing in to empty nest syndrome. We will help you with that coming up. So i can reach ally bank 24 7, but there are no branches . 24 7. Im sorry, im just really reluctant to try new things. Really . Whats wrong with trying new things . Look mommys new vacuum cat screech you feel that in your muscles . I do. Drink water. Its a long story. Well, not having branches lets us give you great rates and service. Id like that. A new way to bank. A better way to save. Ally bank. Your money needs an ally. 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. 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. We are the thinkers. The job jugglers. The up allnighters. And the ones who turn ideas into action. Weve made our passions our lifes work. We strive for the moments where we can say, i did it we are entrepreneurs who started it all. With a signature. Legalzoom has helped start over 1 million businesses, turning dreamers into business owners. And were here to help start yours. Gerri and nt nest is quickly becoming a thing of the past. A tough economy is causing more and more young people to go back to mom and dads and stay there. There are ways to save a move that quickly. With more on this, Financial Planner in jennifer lane. Thank you for coming in the show. We were thinking of this has advice for the kids the moment you have smart points to make the parents. Its go there first. I think if you have your kids already living with you, the horses out of the barn or maybe the horse is back in the barn. [laughter] there are some things that you can do. Ideally parents are thinking about this well in advance and giving your kids the scales that they will need so that you can change the locks when you send them off for freshman year of college. Gerri a friend of mine treated me today that the day after she was out of the house are mom and dad put a piano in her room. It was over. There was no going back. That is when youre talking about, right . That is true. The child knows that there is not going back and you are giving a clear message, they will probably be one of the case that launches successfully. It might not be in their dream job, ty will be any job. It is like when you note you have a safety t youre willing to fall back on it are subconsciously you allow yourself to fall back on it. Gerri it is interesting. Among adults 18 to 3136 percent were living with their parents. It is critical for these people to say. How much they save . Add a they do it . Will would you tell tm . If youre lucky enough to have the opportunity, your parents are allowing you back in the house, this is a chance to get our roth ira. They turn magical after five years. The money is available. So get that started. Pay rent to your parents. Parents should be billing their kids for the rent. It should be a market rent. 100 for the basement room does not work. If theyre working. Theyre not working you can negotiate something give them a deadline. Then it is market rate rent. This will help you say because you wont be used to having the money. Parents, if you are well off and can afford to give the money back to the child, help them with their rent or help them with their retirement savings, great. You cannot afford it, which is where many are committed to paying onto it. Gerri i love your advice. Tough love. Everyone has to do something, even if you dontay for job, do something around the house. I have seen estimates said the exceptional amount of time to live at home is three to five years. Five years for people in the age group. Talk about. Do you agree . I really dont. Think that there are many people that were not able to get satisfactory jobs or a job and a graduate from college. And stan that is the economy ran, but you have to be out in a year, two of the most. Many of my clients have kids that are at home. One of the frustrating things, wow, you know what, jr. Is on, daughter is on. And i believe she is that every night. Victor really great dinner but she still goes outdoors bins of missouri spends on that. There is not a lot of communication. Dry there to try to save money, not to have a nice lifestyle. Gerri exactly. And its abuse of the time. I hope people will tweet us. It is a great topic. Thank you for coming on tonight. Great stuff. Comebacks and. Thanks. Gerri later in the show, the war of words seats up in washington. It was not today. Nextel we answer the question how you do that. What to look for when picking a realestate agent. Dont go away. Any last requests mr. Baldwin . Do you mind grabbing my phone and opening the capital one purchaseraser . 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 . How did he not see that coming . train horn vo wherever our trains go, the economy comes to life. Norfolk southern. One line, infinite possibilities. Gerri dont get caught up in the stress of buying or selling your next column. Need to know advic gerri well, the stakes are heating up in todays housing market. New home s sales are rebounding. You are a buyer or seller, you need a Real Estate Agent that is up to snuff on todays challenges. How do you choose the best agent that will save you time and money . Joining me now, personal finance expert. Welcome. You know, the payer is the person who is selling. That is the person has to be careful. You have been through this ally yourself and had some bad apples. It took me three brokers t sell my apartment. The second of was taking pictures that were not relevant. She was not capturing my beautiful river views. It is important. Marketing is a big part of it. Gei a huge part of it. The other problem was with realestate agents. I love a lot of them, but some of them are doing is part time. How you find somebody who is decated . In new york city there is Something Like over 20,000 registered Real Estate Agents. Parttimers, cousins, relatives. Those guys you dont want. You want someone who would go to bat for you. Ask around. Recommendations, referrals, someone who is familiar with the building, go online, lets get ratings and reviews. 365,000 reviews of realestate brokers, people weighing in. Good, bad, negotiation, going to get back to you and a timely manner, fourstar, fivestar. Gerri i like that. A lot of people selling there house the stakes are high because they have hado holon to this for a long time. Maybe a couple of years. Now they really have time of it. They want to do it fast. Can you ask for an idea of what that marketing plan should look like have to have had time . How the pictures are important, have good pictures. Highresolution. The buyers will make a snap judgment decision when they see the pictures. Gerri people dont even like the houses that dont look good to them. Gerri and the of the thing, on the mobile device is so much activity is going on right now. People are looking at homes on as my phone. If it does not look good it is going to the next. On to the next. Gerri you need a plane dual agency in that you can get hurt. This is not good car representing both the buyer and seller. Gerri one agent representing both. The problem is theres a conflict of interest because the seller was highest price. Buyers coming and was the lowest price. The agent brumbies the seller into entertaining offers that not necessarily best for the seller and then on the flip side the opposite things for the buyer bury them in the present all the offers an equal manner. If they have the buyer interest at heart. There is a conflict of interest that you want to avoid. You want some it will work with you and will really go to bat for you. Gerri you have to ask that question. They are supposed to be telling you. Some states it is not even legal. The Obama Administration says it has fou no lanes of dollars in grant moneto help the try hire more police and firefighters as it lingers in bankruptcy. We can soon be seeing other major u. S. Cities setting down this same path. Number five, houston, the pension problem is more than 312 percent of the revenue. Number four, los angeles, tax revenues for the city of angels left on a triple to come close to breaking even. Number three, jacksonville. As if this is is that have enough trouble with this ball team, the pension that is nearly 300 december said that this tax revenue. Denver, thanks to the city school districts, the mile high city is totally within some debt. Number one city with the worst person dead, chicago. The windy city is is so much trouble as its obligations if by nearly seven times greater than revenue. That does not work. Other cities on the list include dallas and phoenix. Wow. That is awful. Coming up next, the answer to stop the government shut down. The fight is far from over. If you got the belt was over, think again. Nearly 2 billion every taxpayer dollars go into the fha. You will tell you all about it next. announcer at scottrade, our clients trade and invest exactly how they want. With scottrades online banking, i get one view of my bank and brokerage accounts with one login. To easily move my money when i need to. Plus, when i call my local scottrade office, i can talk to someone who knows how i trade. Because i dont trade like everim with scottrade. Me. announcer scottrade. Awarded fivestars from smartmoney magazine. You are gonna need a wingman. And my cash back keeps the party going. But my Airline Miles take it worldwide. [ male announcer ] it shouldnt be this hard. With creditcards. Com, its easy to search hundreds of cards and apply online. Creditcards. Com. Thirtyseven october 1st not all the dday for the exchanges also the government shuts down. Thepresent uses the bully p