In washington all eyes on the senate where botsides try to hammer out a deal now we hear ere will be a new plan to the colleagues of the house tomorrow morning the proposed deal will suspend the debt ceiling until febrry and find the government through the middle of january so we can kick the can dowown the road. Withur senior columnist and how this impacts your pockbook. I will tell you i am starting their right away. We have a lot headlines of the psible agreement but the government running out of money they just have 30 billion how likely is it that Social Security payments could be delayed . First, if sid did not raise the debt ceing than the november 1st date came wh the checks were supposed to go outthere rabil lot of paents without money to fund becaus ave to borrow money to pay those checks. But in the next cole of days i think they will raise the ceiling if not th there is reason to worry. Gerr there will be have to pay if they dont. Here is what the viers said. To withhold it, of seniors to pay big bird does that make sense . Also. People depend on their Social Security checks to live it shows the oba administration is out of touch. We do have 55 million americans getting this money and they need it for their food or bread or mtgage so they can pay these. So even if we had just one withholding it would be tragic. Gerri 58 million americans get Social Security checks and 44 million rely onthem. We have to have tem every single month. To the deal that we talk about today, is this real or is this another pass just kicking the can dn the road . There is a lot of backandforth on the debt ceiling negottion and every proposal bore brings us a step forward but also to hold still so the latest item no fit is more reasonle but whe it gets rid of the fee that the union did not like but also gives to the employers so this cou be the w win to have special interest umbel sis. Gerri we will be all yea if it is unveiled but 17 extra per month a cost of living austment increase cause Interest Rates are so low. W was that going over . The poblem is Consumer Prices how they come up with the cola does not accurately reflect what they are buying there n buyaptops or electronics they are paying medical cost. 2. 5 times more of their come for says any other ageroup and those are going through the roof. Gerri and gas pricesay not be up but we found out heing bills heating oil it all goes and people are paying more. How much patients are the American People going to have with whats going on in washington . Here is the problem with there is a tension between the seniors were people who worry about the longterm solvency that medicare and Social Security it is there ra of growth it is way too big and Social Security and medicare snt more than they taken if the growth accelerates it will greater there goes the naonal that item have a way to make people happy. But the seni sketch bum deal all the way around. Nothing on the fixedincome investment. Gei you made a good point dont mess with the seniors because they all looked in the you mess with your life. What proportion are seniors andhat type of clout that the polls . Nataliemuch more likely to vote but Pay Attention to po specifics. Young people based off of personality as he saw with barack obama in the middleaged a vo on cultural identity. But the seniors do much more which is why both parties plates to tem. Obamacare redistributes wealth from the young healy people. Gerri and another program that is a big pain in the back but what is your reflection that you hear . How confident are they . Theare not. They are ted in general and prepa for the worst. Shore up your finces no matter what happens. Creditcard debt could be rising so there is a slew of different consequences sandy should be prepared anyway. Gerri we appreciate your time what using . Should be peyser security checks no matter what . We will share the relts at the end ofhehow. I was blown aw by the story. Earn less that is the rl messagedespite what the administration wants you to think yrocketing Health Care Cost puts them in a financial chokold t day have too littl to pay for on their own so one institute advises families to earn less so they could qualify for the subsidies to bring the cost down. This report is shocking from Kaiser Health in they recommend that people earn le to get the subsidies from obamacare. We have Tom Mott Miller from the American Enterprise institute. What you think . I think if mr. Chun has signaled the hand to have for americans that are pendent on them for a handout. The macroeconomic policies are also helping but its just the wayhat the subsidy structure is designed it discourages people from learning were many or workingarder to take on more hours it is a perverse incentive. Gerri the heather shoots that is droppi is people are losing coverage becaus those insurance policies did not cover Essentials Health benefits. If you were 65 paying for the insurae policy you donwant those benefits but you get them under obamacare . Period you can keep your policy as long is it is the one that we wanyou to have [laughter] if you step t of line yo maybe in trouble. But particularly those who are pinchith what the can afford in the indidual market, this is a forced upgrade to a hier tear of pri to whether or not you can afford or wante. Gerri i amazed every day the new informationhat we get. Wh it we just heard is apparently wants to apply for benefits they ask if you want to regist to vote. What you make of that isnt that bribing people . We give youhe benefit no give us thvote. That is the quid pro quo that used to be the approac for the machineolitics. This says if you have a puls we want you to go i am surprised little sign this up in the emergencyo it is the larger political scheme. To build a class of dependent people who in return for those crumbs will float to bring them back because that is you took care of them. Gerri encourage people not to make money . I want to peep show people what we have just gotten i was shocked that some states have zero colorado, delaware, or again these embers are amazing they basically signed up nobody. Ese bein asked if they want to resort to that paper application or look at a frozen screen on their couter. This reflects the difficulties of the software and wiring of thtechnology that wver ambitiousnd complex. Also the federal government a and run the three car parade. Also of the pentagon weapons system without the fire power. Gerri i hope they are more accurate it cost 400 million if does not work. They call it just a good start. Gerri a good to seeou. We have more toome including tips on taking your company complained to twitter. The next hot thing on ll street . The post office . The federal agency may have to go public to at you should expect if it does. Its as simple as this. At bny mello our business is investments. Managing them, moving them, making them work. We oversee 20 othe worlds financial asse. And that gives us scale and insight no o else has. Investment management combined with investment servicing. Bringing the power of investments to peoples lives. Invested in the world. Bny mellon. Theyre the days to take ce ofe business. When possibilities become reality. With centurylink as your trusted partner, our visionary Cloud Infrastructure and globalal Broadband Network free you to focus on what matters. With custom commications solutions and responsive, dedicated support, we constantly evolve to meet your needs. Every day of the week. Centurylink® your link to whats next. Stick with innovation. Stick with power. 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They lost 15 billion, the gernment had their hand in their city partner with the garett then what will ppen with the uniodid you have to refund that care they you are always in bet with the government and it is not a smart move in my opinion. Gerr u. S. Ps aost lost 16 billion sitting on Retiree Health benefits they have to pay at piper of 5 billion in just a fauld. The standards of the private sector may be higher than the Public Sector . And you have to partner with the entrepreneurs you cannot partner with people who have not run this attractively anything out of the government that is the business have neve looked work to right. Of you want something along those lines get with fedex but not u. S. Postal service its a bad gig. For a price and the ipo to word the company is fair value or overvaluation so much. Handed off you paid too gerri i agree. But can youimagine a scenario where you buy that stock . I wou not buy it. I looked at it like korn buffett dont buy a Company Unless you could in addition yourself buying the whole thing you dont have to have the money but you believe in it . I would not by the Postal Service to save my soul. So therefore i will not buy one share. Gerri sof we doy the will company weill get losses, a debt, expensive workers who have claims on future earnings to their health care. Who came up with this report it was a big deal . That makes facebook look good . It does. If people want to buy in the which people shouldnt they dont have enough speculative money set aside but they should wait and tear of the motion comes down then they will go to town 50 in value then you can buy them off web much lower price but i would definitely go for twitter but honestly i like facook better and i am not a fan of facebook. [laughter] rri great job. Thank you for comg on. Gerri it if the post office did go public it could be on the top five the worst ipo of all time. Number ive last minute. Com it was bought by travel ci bu within a few months of the ipo the share price was cut in half and profits were a fraction of what was predicted. Number for t company does still exist wit the share price of 17 but todays trade said thefore dollars and pershare. Going public in 1998 then belly up after opening the bad Business Model force e shares to float at 0. 15. Pi sheets. Number two. They gave toys r us a run in two years after going public but th filed chapter 11. A peaked at 77 then hit the bottom at nine. The first . Facebook you are probably prettyappy these days because it trades close but the i was a nightmare in many people feared levy twitter is headed damascene pass. Ybe how wall street lawyers washington we use is a question how do d that . There are good ways than bad phas to complain in th best way to get a response. [ woman ] if you have the audacity to believe your Financial Advisor should focus on your longterm goals, not their shortterm agenda. 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Because i dont trade like everybody. I trade like me. Iwith scottrade. announcer scottradeprd to be rked best erall client experience. Gerri a cautionary tale how gerri get your complats heard twitter could be the most effective tool to resolvcomplaints but people do it the wng way. Joining me now we have the founder and ceo of ruby media group. Why is it so good for complaining . Because it takes the conversation from one way to do to way because that makes all complaints public before Customer Service that is private. Gerri so now you sta on a soapbox yelling about how unhappy u are what is the best way to dothat . The best way is to have a legitimate complaint toohave a service deci. Gerri that sounds tactical. Something that somebody actually did wrong if you have a skirt there is a representative so you take a photo because theyend you something that was flawed in include amazon so they see it. Gerri what my friends lik to do is get theifriends to tweet at whatever mpany it is so that there i the lobbying on the fact . It is a good ideayou want people to share there is power in numbers espely if you want em to respond. Talking about Martha Stewart people got very a agree with her. She wrote i just dropped my it a i had and it shattered do i call or havent taken up . Im still waiting for a representative to pick up my ipad. Me be apple now like sameday delivery i am onto something. Same day. Fix it. Then she saidteve jobs gave it to her but people were over her. But there is not a legitimate complaint because she broke her own ipad. It is not apples faults. Gerri she was very angry at theompanys. It is not t fault so that is the issue. So the company does hav to have someesponsibility. The other thing that i think is interesting is it reflects on and martha and speaks to cruciate is aig does not leave hr in a positive light but people y thingshe par would not otherwise say at a Cocktail Party would doshot out t same things . Gerri you never know. Mabe. [laughter] it is a pleasure. Unbelievable. Tomorrow nightartha stewart will sit down with Melissa Frances at 5 00 p. M. Eastern. Why u may not have to use a card at the atm and as washington promis progress washington promis progress markets responded you u really love, what would you do . [ woman id be a writer. [ man ] id be a baker. [ woman ] i wanna be a pie maker. [ man ] i wanna be ailot. [ woman ] d be an architect. What if i told you someone could pay you and what if that person were you . When you think about it, isnt that wharetirement should be, paying ourselves to do what we love . Help the gulf when we made recover and learn the lf, bp hafrom what happened so we could be a better, safer energy company. 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Happy. Happy. Happy. Happy. Happy happy. I love logistics. Gerri he marketrally with the hope to the end of the stdoff in washington as people have been optimistic as it began two weeks ago now the sto market averas are up over 1 in like the russell 200 with u now we have Steve Crowley in hlary kramer from a. G. Capital. Then looks now like the market takes it in stride . D exhumes by an october 17 there is a sotion to this craziness and all eyes on earnings that could be fairly strong. Gerri you have to ask yourself if it will focus on ndamentals. Is one of the fidelity told the customers but to mainin the investing plan is stay the course to right thing . Fst of all, the deal is not done although it looks like it is going to b then we are back again for all the uncertainty slows the economy and slows the growth rate parker that does nothing for earnings or profits are growth. Gerri i keep wondering what is the worst Case Scenario . Three tech to route Social Security paycheck so what is in your crystal ll . I dont think there is a dark downside but i do think people have to watch the 401k you have to wah tha better than home ownership. Do it equally every month so that gives you dollar averaging see youre not subject to the markets swings. Gerri david, stock investing the bes ways to grow your portfolio . You have to wonder. Some stocks are around the u. S. And around the world. That does not mean you can lose theou can lose all the ones and then the market rises. It is a mixed picture at best. With the dont have growth they have slower earning imprement is coming off of ratio with the pfitseen very high extraordinarily high. How much higher can they go or will there be compression . It is not a slam dunk. I believethe stock market is still undealued in the way to go. This is where we look now an a matters this week with ge and honeywell and we expect internationally into a really has thank killed our growth of purchasing treasury sid mtgages. But we have ouryes on the Global Recovery and there was said jobless recovery here. Gerri b want to read well walls fargo put out of the queue to the consumer right of the worst years of disp