We will have all that and more coming up, but first our top story tonight. The white house ability to get the president s crowning achievement fixed facing one huge hurdle. We terrible mentioned skills of the president himself. With us now, author of the amateur barack obama in the white house. Thank you for joining us. 654 million. The exchange does not work. How would you grade the president on his management abilities . F, i would give him a flunking grade. He had three months to do this. Gerri he had more than three months to do this. He had years. The time has flown by and nothing has don happened. The website failed effort just 2000 people went on it the first day. Think about it, it cannot even sustain his 42,000 people, but they did not listen. Tell us why. The most shocking thing i have learned from my reporting is inside the white house they are doing highfives because they believe, they believe they have beaten the republicans back on defunding obamacare. That they are now riding high in washington, they are going to get cory booker elected, they are going to get bill as mayor of new york. They think everything is turning their way. What they call the glitch is unimportant. Gerri this socalled glitch, this small problem with the website is so much more than that. If you could see the people sending me emails, tweeting me how concerned they are. People who say they are so deeply concerned they are going to lose benefits. At the end of the day it will cost them out of their pocket. In that little circle in washington, everything may be good, but out in the real world people are concerned. You are right about that, but the real problem is given all this concern outside washington, you would think the president would be banging on the desk saying fix this, we had my understanding is he said this is beneath my pay grade. I dont have to worry about it. It is going to get fixed. People will love obamacare. He is an kind of a bubble of hubris that he does not really get what is going on in this country. Gerri a bubble of hubris. I watched him in the rose garden this week surrounding himself with people who said they could get coverage on the obamacare website. What i was listening for, what i never heard, what i was waiting for bated breath, the buck stops here. This is my responsibility to get this thing up and by gosh i will. I never heard that. John f. Kennedy said i was responsible, but obama does not do that. He never takes responsibility. It is always somebody else. Gerri joining us this conversation. We had a couple of issues with your sound. Michael, welcome to the show. Iyou run a very successful company. Your share price beating out the market, which is doing pretty well itself it i want to know when you look at the rollout of obamacare, the exchanges, how do you grade the president on his management skills here to get this thing up and running . While i think it is a peer f. I think he has failed in every aspect of it. But that does not mean if somebody fails in a particular situation that he cant fix it. You have to admit the fact you have done things wrong and you can get it fixed. That is the job of the ceo, and he is the ceo so i think that is the same as my jabber anybodys job who is running the business. You have to fix what is broken. The political situation behind obamacare is so difficult and so bad, it is very hard to fix and very hard to start. Gerri what is the management skill, what is the personal characteristic the president needs to fix this thing . What is the missing dna if it is in fact missing . That he requires to get around this problem . I think that is a very lax question. First and foremost you have to have experience at fixing things. I dont think this president has that kind of experience in his background. I dont know what he has fixed in his past. What you have to do is hire people who will fix things and have fixed things to support the characteristics that you dont have. We hire people who are confident to fix the problems we cant fix, but we have to have the ability to recognize the problem. I dont believe that problem was ever recognized. Gerri i have got to go back to you. Clearly the president was never a manager. He was a professor, everybody would have to agree. But i want to bring up Something Else that may be missing coming from vernon jordan. Consultation is not in the dna of the obama administration. How does that missing link plan to what has happened this week . He also went on to say that when it comesaccess to the press valerie who decides who gets on the air force one, who goes into the oval office. I called him in the bubble before, he is isolated. He is surrounded by a lot of yes people. He doesnt have the kind of help and expertise that he needs. Gerri thank you. We appreciate your time, thank you. Now i want to know what you think. When will obamacare get fixed . One month, six months, never . Log on to gerriwillis. Com and i will share the result at the end of tonights show. When the obamacare website in a fix the white house has a solution, get a czar. Tapping former acting opposite of manager to oversee the much needed repairs to obamacare website. Here to weigh in, republican congressman from kansas. Welcome back to the show, it is great to see you. Is this the right guy to make the fixes . Will he be the czar to fix this . My understanding his background in his previous role in the administration was to prevent this kind of problems, but i think it is the ultimate arrogance somehow bringing in somebody new to run this massive new Government Program is going to change anything. I think most americans if they were thinking closely about this expect a debacle, the only surprise is the white house is surprised they cannot get this thing up and running. The real problem is folks in washington want to take over this entire Health Care System and run the whole thing. It is not going to work. Gerri i agree with you there. Back in 2010 he was in charge of recommending fixes to it across what is the administrations entire everybody in washington. I guess it didnt work. He should have been on the ground floor building this enterprise, obviously this debacle will continue to fail, but the president is looking for excuses. The one person to hold responsible after the president , that is Kathleen Sebelius. I look forward to her testimony next week in congress. Gerri were all waited with bated breath for that testimony. I believe it was last week you said you thought it was likely the administration might delay the individual mandate. Do you still believe that, do you think they have the door open on that . And if so, when might it have been . I dont know when it will happen, but they had to do something pretty quickly because millions of americans today wil not have health insurance. These are folks who are insured now, forced onto the exchange, it is not working and at the end of the day the president needs to delay this. Make it much easier for the illustration. That is what Kathleen Sebelius would announce, delay the individual mandate for another year. Gerri heres what she had to say. Listen to this. Are you taking responsibility for the website . Do you think people should have to pay a fee for a website . Gerri in short she said nothing. The press with questions by a reporter, she did not respond. Is she the person who should take the blame . She certainly should. I am looking for two words from her. I resign, and lets move on. At the end of the day, the president is responsible. It is driving up premiums for everybody. And for men, 60 for women. This increase in cost for, and that is what i expect and what most americans expect of this debacle out of the white house. Gerri it occurs to me signing up should have been the easy part. Their website, i know you use them, i use them for everything from amazon to pets. Com, you name it. People deliver stuff over the web every single day. That should have been easy part. After this with a tough start coming. That is getting people covered and making sure they pay what they are supposed to pay. If we cannot get the first easy step done, how are we going to do the hard stuff . Trust us at the irs, the guys who are going to implement that. They could not do it in a way to protect their liberties. Most folks are saying that is what we expected. It is hurting millions of americans who already have health insurance, there are millions waiting to sign up and they cannot get it done. The very folks who said trust us. They are looking for somebody to blame at the white house, but it belongs with the president himself and his secretary. Gerri congressman, thank you for coming on, hope to see you soon. Thank you. Gerri first, fo more fallout fm the government shutdown. You may have to wait an extra week or two to get the tax refund. The irs will delay the start of the Filing Season to give programmers time to update the agencys computers. The Filing Season has been set to start generate 21st and the new date be announced in december. April 15 deadline for filing tax returns will stay the same. I hate that. Hurricanes, floods and other natural disasters can cause huge property damage. They can also put you at risk for identity theft. That and more coverage of obamacare as the judge weighs in on the futures involved in the irs and health care coming up. Stick with innovation. Stick with power. Stick with technology. Get the flexcare platinum. New from philips sonicare. Help the gulf when we made recover and learn the gulf, bp from what happened so we could be a better, safer energy company. I can tell you safety is at the heart of everything we do. Weve added cuttingedge technology, like a new deepwater well cap and a stateoftheart monitoring center, whe experts watch over all drilling activity twentyfourseven. And were sharing what weve learned, so we can all produce energy more safely. Our commitment has never been stronger. Gerri is obamacare about to be hit with a major blow . Allowing a lawsuit challenging the Obamacare Penalties to go forward. With more on this, business law attorney. Thank you for joining us. This is a complicated case and it turns on the legality of the subsidies. What is at issue here . What is at issue here is an issue that appears to be a little bit complicated but we will boil it down. The Justice Department suffered a huge defeat when a federal judge in the d. C. Court in washington rejected the governments motion to dismiss a challenge by several individuals and employers alleging that the key regulation by the Internal Revenue service that is basically a funding switch may be illegal all the judge declined to apply an immediate injunction allowing the case that only to go forward but said it would be sped up, it would be expedited so not only is this case allowed to survive, but it will be finished by february 13. Gerri it turns on the law itself. Apparently he says the exchange has to be set up by the state and as we know a lot of states did not want to do that and they relied on the federal government to do it for them. These folks say what . The whole thing is illegal. That is right. You identified the exact hope the identit plaintiffs are digg. A subsidy hook to dragon individuals and employers through all of the states, although the statute, the Affordable Care act only provides for that subsidy trigger to go off for states in which it is a states developed and operated insurance exchange, so the irs is coming in applying a rule the plaintiffs say do not follow the statute because the statute does not say that. You could think of a threedimensional grid of the united states. You can view twothirds of the states which dont have state operated exchanges to drop out of obamacare, so it is a huge development. Gerri half the country has obamacare and the other half does not. Heres what i dont understand. This is just a federal judge, this isnt a Supreme Court. Didnt the Supreme Court say obamacare is legal . Yes. However that was an attack on a formal care act itself. This is a side attack of a regulation Internal Revenue service is trying to plug into the Affordable Care act engine that is basically the funding switch. If they can successfully do that, this could be a lethal attack on obamacare. It sounds a little bit dry at first, but when you look at the effect of it, this could be fun and explode obamacare. It is a really Big Development, a real setback for the Justice Department. Gerri resurprise the judge would try to get an answer, was that a shocker to you . It is surprising and you look at it from a litigation standpoint, these cases usually take a year or two. In this case he said he was going to expedite this within a fourmonth timeframe. I was also surprised by the critical nature of the ruling. The Justice Department tried to dismiss this, the judge literally called their argument silly and expedited the case. This is a Big Development turning on a dime. In the oklahoma district court, which is the same, but the d. C. Court can take the lead. It could blow everything up within just a couple of months. Gerri are going to have to help keep an eye on it. Thank you. During our last segment we spoke with republican congressman of kansas about health and Human Services secretary Kathleen Sebelius. The secretary originally refused to testify. She had a big party to go to. Many of you said she should be fired for that, but that is not the only thing she does not want to talk about. The question she just will not answer. Number five, where is the backup plan . The white house promised contingency plans for the rollout did not go as planned but so far the only thing they have done is hired text here is to look at the problem. Number four, this one really irk me. How many have enrolled . It will not have an answer. Her silence implies they are far off from that goal. He wants to know the answer to that one. And number three, will the individual mandate be delayed . Despite repeated calls, the white house remain in the bag on charges coming down the pike. Number two is a question we post you tonight. When will it all be fixed . All they will say is they are working on it. That is not very comforting. And the number one question Kathleen Sebelius is not working on is this. What is actually wrong with healthcare. Gov . Data is being entered incorrectly. The problems can no longer be blamed on heavy traffic so what is going on . Nobody knows, nobody is saying. While they wont answer your questions, we continue to answer and we will do it again, this monday we will be doing another call in show at 6 00 p. M. Eastern time and again at 9 00 so you can call, get home from work and pick up the phone. We will answer your questions and we will take your phone calls monday night 6 00 and 9 00 p. M. Eastern time. Our Financial Panel will weigh in on how you can benefit from what is going on on wall street. And we will answer the question how do you do that. Important information safe. Stay with us. At od, whatever business youre in, thats the business were in with Premium Service like one of the best ontime delivery records and a low claims ratio, we do whatever it takes to make your business our business. Od. Helping the world keep promises. More than a new interior lighting system. It is more than a hot stone massage. And more than your favorite scent infused into the cabin. It is a completely new era of innovation. And the highest expression of mercedesbenz. Introducing the 2014 sclass. The best or nothing. Gerri we have all heard of disaster proofing our homes, but what about your documents . We will tell you how coming up. Gerri in the event of an emergency, we have plans to protect ourselves physically but what about your vital documents . They are vulnerable as well. Here with me now personalfinance expert jordan goodman. You know, i think people dont realize this but there are situations where you are vulnerable, your documents are vulnerable. There is fires, floods, hurricanes, robbery. People dont remember. All of these things that can be a complete disaster in your Financial Life if these things are taken or destroyed. Gerri people dont even think about this. Some of this stuff you can get back, others you absolutely cant. Where are the essential documents you have to have . Estate planning. Those kind of things. Deeds, insurance policies, mortgage. Marriage certificates, death certificates, all those kind of things. Tax returns. Back for seven years. Gerri pay them, keep track of them. Gerri why is it so important . It is a real mess, not only for you, but if you die, having your heirs, to put your life back together is a real pain. You can scan them into your computer and store them remotely on the cloud. There are a dozen places where we can do this remotely. You can backup your computer remotely. Keep them in a safe deposit box, your parents place. Gerri i have to tell you, i know some people who have done that. Put it at mom and dads, it suffers the same problem. It is a backup. Not the original. There is the everything binder. It has all of your papers all in one place. Keep it at a safe deposit box or someplace else. You are not going to lose all of your papers. It is such a pain to put your life act together. Not only for you, but the people who depend on you. In many cases people die. Just out running and died. Now he has to put his whole life back together. Not only good for the people who depend on you as well. Gerri appreciate it. Coming up, another crazy upside down dan wall street as bad Economic News has investors cheering. Plus what all this means for you and your money coming up. [ woman ] if you have the audacity to believe your Financial Advisor should focus on your longterm goals, not their shortterm agenda. [ woman ] if you have the nerve to believe that cookie cutters should be for cookies, not your investment strategy. 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