Breakdown of the abrupt broken obamacare system hhs releasing who signed up so far a and it is not the young and healthy. The majority of the new enrollees have the hand in a uncle sam spot get. From American Action forum, a dog, doug they had a Conference Call 24 percenter between the ages of 18 and 24. Not what they wanted. Is 18 through 34 they needed to give 40 so they are well behind that target. The focus has been on the young and then suppose you have to buy insurance those who are 18, 22 on their parents policy so there further behind than the numbers would appear. Is beduins bad news. Gerri 79 so far would get a subsidy to pay for the Health Care Coverage and will be an expensive program at the end of the day. I think it will need more than that. And numbers come from two sources. The total number of enrollees. 2. 2 billion hhs thought they would have 3. 2 million theyve all got hit the target of 7 million by the end of march but for each person decide that cost will be higher than expected but this is an expensive program either way. Gerri 2. 1 million enrolled 31 on the way to the 7 billion. Will they make it by march march 31st . I dont see any conceivable way. They have the bad policy people uninterested in and having web site problems those are not improving. May be a better User Experience but with the data to the Insurance Companies they have significant problems so we have no idea who has been successful to pay the premium to get the coverage they expected. Gerri that is part of seouls system now the back end is working you only know because the insurers are complaining to reporters in the background saying were not getting accurate data. On friday we had the obamacare orphanage she tried desperately. She tried to sign up today it w. She asked for help she sent a check for coverage and it has not been cashed. Listen to her story. I just feel a bit disappointed because i grew up in the era you had trust it your president and did your government. It just seems not to play up that way. Another thing of with like to bring up is my doctors have informed me they are not accepting what i signed up for through the Affordable Care act. It is almost as if i purchased a fake designer handbag it is not a real. Gerri day phony designer handbag . She is on fire and not feel theyve won. What will happen . They tried to get coverage and caanot. Rule policy was canceled this. We will see a variety of problems. Some people get a policy then find out it is very limited in their policies are limited. There will be upset about losing their doctor. Some people will be unsuccessful and say i cannot see you because i have no idea if that is insurance. Then Insurance Companies are getting bills from people but they have no idea. Do Administration Says pate said you dont know that such as pay the bill. There we will be disappointment all around. Gerri i have never heard a president say a ignore the law but we need you to do something else. To me that it is shocking. How do you react . It is amazing. I have seen all along with obamacare there has been nothing they were not willing to pay for deferred to keep it going but when they said we will get rid of the individual mandate because the policy was canceled for everyone else they have the mandate the people on the left and on the right are baffled. It stretches the bounce to think that the president should do this. Gerri i agree. Respond that robert put out on his block. We talk about insurers for on the one hand there is a smack down with the government making the insurers do everything they want but on the other side he points out a big part of the coverage insurers are not on the hook for the federal government will and the american taxpayer. Up to 45,000 or up at 200,000 the american taxpayer will pay four fifths of what ever that bill is. Of you wanted coverage and could not get it may be with a preexisting condition, this is how they got them to sign up. There is a lot of confusion with these provisions. There is one called reinsurance about individuals for cost above the 65,000 come to the insurer picks up to , the government picks up 80 but that program is financed by a fee paid by everyone for dissipating. Melissa . Gerri it is a tax. Yes. A second provision called risk corridors to the plan as a whole if it is more expensive than expected in the insurer is on the hook for 25 the government is on the hook for the remaining 75 . People leo but label that as a bailout but this is a situation the policy is bad and execution is worst the government has crept up so the Insurance Company has to pick up 25 percent of that cost. Whatever label it is a big and expensive program. Gerri those Insurance Companies, of the corridor corridor, but if you were in a private industry you are not. Newly himself much room if you lose money you will be made good. We used to have a private Health Care Insurance market i dont think we do any more this is certainly a big step away from a private market. These are ty provisions for allowances for successful overhead and profits it is a regulated industry. If you got rid of the risk corridors the Insurance Companies would leave the exchanges which is a step to single payer. We are in a very bad place from the point of view of policy with the obamacare set up. Gerri we have talked a lot and that is usually the conclusion we come to. Happy 2014. We have more to come including a warning about another big flu season and what you need to do to stay healthy for it turns out target is just one of many stores where credit cards has been packed in what the Retail Industry has to do now to keep you safe. Stay with us. [ male announcer ] e new new york is open. Openo innovation. Open to ambition. Open to boldids. Thats why n york has a new plan dozensns of tax free zones all across the state. Move here, expand here, or start a new business here and pay no taxes for ten years. Were new york. If theres something that creates more jobs, and ows more businesses. Were open to it. Start a taxfree business at startupny. Com. Cstor got more highisk patient bad cholesterol to a goal of under 100. Way to go, crestor yh tting to goal is a big deal, especially if you have high cholesterol plus any of these risk factors. Because you coulbe at increased risk for plaque buildup in your arteries over time. So, when diet a exercise arent engh to lower cholterol, adding crestor can help. Go, crestor oh, yeah [ female announcer ] crestor is not right for everyone, like peoplwith Liver Disease or women who areursing, pregnant, or may become pregnant. Tell your doctor about other medicines yourtang. Call your doctor rht away if you have muscle pain or weakness, fl usually tired, have loss of appetite, upper belly pain, dark urine, or yellowing of skin eyes. These could be sig of rare but seris side effects. Creor yes [ female announcer ] ask your doctor about crestor. If you cant afford your medication, astrazeneca y be able toelp. Gerri more news continues to unfold with a massive data breach with target, neimanmarcus and three other wellknown retailers who presumably will announce that they were breached as well. The National Retail federation calling for high end creditcard security. Our next guest is by phone and the editor in chief of american banker. More attacks. Are you surprised . Not really. They have been going on for years but what is surprising people right now is the size. With target may be as many as 110 Million People of course, when people fear their other retailers but we dont know who yet they start to get very nervous. I heard the House Democrats are asking for an investigation or some sort of hearing. Melissa i am sure they will do a fine job. Gerri the people money to get on the case are the retailers and the banks. Food needs to fix this problem . It is so easy to clone the cards with the signature and Magnetic Stripe if there is a decent interim solution was chipping and in Technology Going from their retailers through their credit card processor Processing Companies through mastercard or american express. It is not easy but if they make these changes we would get rid of these problems. Gerri there is the big debate first of all, but if the europeans can do smart cards why cant we . How much would it cost . Nobody knows the cost but the problem we have is the people to pick up the cost are not necessarily the ones to pick up the cost from fraud. The banks have to pay for some of the fraud losses but mastercard and visa have a lot of influence on the networking and security in the banks. The retailers say you need to make the cards ironclad and the banks say if we dont pick up the cost then we dont have skidded the games. Gerri the banks are sitting back maybe we will play or maybe not. The National Retail federation today was insistent on an improvement because they know the credibility of their industry is at stake. People were staying home from target to sale of my shop there. Estating i will not shot there. With the chip and can i know it is not perfect france has had it since 1982 the u. K. Started 2004 bringing down fraud by half. That is massive numbers. Gerri we can do that. But do we want to . There is 4. 5 trillion spent on cars and only 0. 06 is fraudulent. Gerri . That is how they look at it. Gerri the cost of business is i could have my identity stolen. People said if you have 100 in your wallet is gone forever if you have 100 stolen from your credit card you can get it back but if my number is i could also have my identity stolen. The stakes are so much higher. But the chip and pin is not a magic solution because when you shop are mine doesnt help either was target may be someone broke into the network. Once they stole that data they cannot use it is easily seat belts are not perfect that doesnt mean we dont put them on cars to help the problem. We can start here and i dont expect any solution to be a Silver Bullet but that doesnt mean that something that is proven to help. It would help of because the data that is stolen they will not create new cards but they couldnt if they had a chip it. But now you can buy them on ebay. Gerri i think you and me in our basement could create one. But what about now every parsing software . That is what was used. What does that mean . It is called the rail scraper so they just do the same thing which is for a little piece of the journey the text is not interested. They have not spend the extra of money to incorrect that little part so they scrape that often they know where it exists i suspected targets hand in neimanmarcus and elsewhere. Gerri who has not paid . Gold chain from the retailer to their credit card processing to mastercard. We dont know. But at some place between the retailer and credit card processor 2,124,000,000,000 of creditcard transactions that is a lot of opportunity to screw things up for fraud. We see it every day. If you have an issue, if you were one of these people involved in the target problem, a neimanmarcus, you are worried or concerned, a call us or send us any mail. Follow me on twitter we want to hear from you. Thank you for coming on. What do you think . Have you ditched your credit cards for cash . Log on and vote on the righthand side of the screen for rabil shares results of the end of the show. Later the first users guide of 2014 with advice of a new you and another record floozies and could be on the way. And how to protect yourself. Stay with us. So ally bank really has no hidden fees on savings accounts . Thats right, no hidd fees. Its just that im worried about, you know, hidden things. Ok, whys that . Well uhhh. Surprise um. Well, its true. At ally there are no hidden fees. Not one. Thats nice. No hidden fees, no wries. Ally bank. Your money needs an ally. Over the pizza place on Chestnut Street the modest first floor bedroom in tallinn, estonia and the southbound bus barreli down i95. This mag moment it is the story of where every great idea begins. And of those who believed they had thpower to do more. Dell is honored to be part of some of the worlds great stories. That began much the same way ours did in a little dorm room 2713. This magic moment what you need to know about protecting yourself. Next. Gerri the chills then fever then coughing and sneezing. Nothing worse than getting the flu. It is ramping up with a growing concern if you cannot protect yourself. Joining me now advising position it is so its great to have p. O. You are becoming a flu expert. Gerri i get the shot sinecure already covered this story. Gerri this seems like another comrade falls it somebody else is out four or five days. It seems the h1n1 strain is tough. Those of have flew like symppoms may never have the virus but we are seeing increased activity over 35 states with increased activity. We are also seeing more cases but we have not seen the epidemic numbers yet. In 2006 we had hospitalizations from complications and it could last until all day and tell may. Gerri is this pernicious . When i think people have this stare down for several days. This is targeting young people in particular with the h1n1 strain those that are resisted in those with the complication if theyre over 65 but 61 percent of hospital admissions have been people between that age of 18 and 64. Said is an issue for younger people. Get vaccinated. It is not too late. Gerri it is still a january. You can get a flu shot . It could be another three or four months and peak numbers are rising it does take two weeks to get coverage but we know we have a good match this year and the predominant strain of teeeighteen is in the vaccine so you know you have something to smile about. Gerri that is critical. If the flu shot that we had actually will prevent getting a the h1n1 you said it is a perfect match. That is great news. It is. The flu vaccine typically covers the three viruses or for viruses so you will get the protection to the predominant strain. Gerri the other day in the elevator she said i was crazy that you can get your resistance down if you are tired, staying up late that you are more likely to get sec civic youre not making that up if youre over verge , tired, underpaid, but the good news is if you go to how wide that is one state with the flu virus is very low. Get on a plane and go to hawaii. I will come with you. Gerri always good to see you. Coming up next a users guide to a new year. Looking at the best ways to spend less and save more but how your smart phone can help. Stay with us. What super poligrip does for me is it keeps the food out. Before those little pieces would get in between my dentures and my gum and it was uncomfortable. [ male announcer ] just a few dabs is clinically proven to seal out more food particles. [ corrine ] super poligrip is part of my life now. You ma a great team. To seal out more food particles. Its been that way sincthe day you met. But your erectile dysfunction it could be a question of blood flow. Cialis tadalafil for daily use helps you be Ready Anytime the moments right. You can be more confident in your ability to be ready. And the same cialis is the only daily ed tablet approved to treat ed and symptoms of bph like needing to go frequently or urgently. Tell your doctor about all your medical conditions and medications, and ask if your heart is healthy enough for sexual activity. Do not take alis if you take nitrates for chest pain, as this may causan unsafe drop in blood pressure. Do not drink alcohol in excess with cialis. Side effects may include headache, upset stomach, delayed backache or muscle ache. To avoid longterm injury, seek immiate medical hp for an erection lasting more than 4 hours. If you have any sudden decrease or loss in hearing or vision, or if you have any allergic reactions such as sh, hives, swelling of the lips, tongue or throat, or difficulty breathing or swallowg, stop taking cialis and get medical help right away. Ask your doctor about cialis for daily use and a 30tablet free trial. Is a new year and a new you. We are launching our very special users guide. We are hoping you stick your resolutions to getting organized to improving our home. Even losing weight. We are all over it. And we begin with the bottom line tonight. I like mint app. It gives you a better picture of how much you are sending and savoring. And they categorizes your spending to make better budgeting decisions. And watch your travel reforms rewards. And then this is where you can set reminders of auto pay and even pay for your bank or credit card. Gerri you have applications that make you money. How does that work . It is very interesting and they partnered with various brands and by watching a Youtube Video or even participating in a survey you could make money. And you could redeem those for gift cards and there are rebates that you can get from those areas as well. Coupon sports are so easy. You can present the coupon to a cashier at the checkout and then you can skin it were entered in the barcode number to give you instant savings. Gerri i love instant savings. And so it is just a twist on shopping and i love this because with so many different accounts and have these days i have multiple credit cards and store cards and a couple different retirement accounts and this gives me an overview of all my finances and its very secure and they offer like this. Gerri we are not done yet, people. What about managing your investments . All of your investments. And i guess i have so many questions for you about this application because i am familiar with that and i really like it and at the end of the day one of the most important things is allowing people to bring together a bunch of different investments from different places and still you show all of this this in one place. Gerri so youre going to know if you are overloaded on apple stock or you bought too much of the nasdaq index. It will be super clear to you. You have another solution i think its also very interesting ive heard you complain a little bit about wall street and how expensive Investment Advice is and how you have to have a lot of dough to get advice. So what are you doing . Yes, that is right. Gerri and you could say it is almost part of this in any category. So let me ask you a couple more questions here. Like i said, i was so excited to have you on because this is important that people need to know about. You say that a l