Gerri imagine getting hurt by jumping off water skis that are on fire were getting bit by an oracle well. Are you having a hard time conjuring . These are some elements that uncle sam has been assigning as part of an overhaul of our medical billing system. With more on this we have doctor Kevin Campbell who is a cardiologist. So what are they doing . The proponents say they are more specific with more specific to description and it is taking 50,000 kogenate and 150,000. Gerri okay, procedures go from 3000, they have coached 3000 procedures right now. Under this program 72,600. So do we really need more . This just sounds like such typical government bureaucracy. I think it will impede our ability to care in an efficient way. So in order to be reembeds as well. Gerri how many times about what happened, really . These codes were created by the world health organization. And it was done in order to measure this throughout the world in a certain countries like us have picked and modified them and so most of these make no sense when you talk about this. Things like that. Macaw tax. Gerri thats just silly. What we think it is important to implement codes that are used in africa and brazil and france . I think again it is a case of using something that we are not sure what it contains entirely. I donhink anyone read through all this stuff. I think the oal was to track the disease and instead of saying that we removed a tumor from your long, that was the premise. But they didnt cut away the fat and all the nonphysical stuff that is better. Ultimately it will hurt patients. Gerri i am nervous about this and worried. 90 of physicians that have been surveyed have talked about the fact that it may in fact limit our ability to care for the numbers of patients who we are going to see what the new health care exchanges. Were going to be overwhelmed with paperwork. Electronic medical record mandate, added any passages Mission Groups that are overworked and overwhelmed and its so hard to give good care. Gerri how much will this cost you . We are looking at millions of dollars for individual practice. Absolutely because you have to implement new Computer Systems and Electronic Medical records and you have to hire that. Gerri theres nothing else either. Obamacare coming into play many of them cant afford to be out on their own. That is exactly right. What we see is put on individual doctors and taking time away from patients and not at the bottom line. We are here to serve patients and instead we are mired in paperwork. Gerri what a lot of unhappy doctors out there. Doctor, thank you for coming on and thank you as always. Okay, more frustrations with regulations and rules. And their concerns to a House Services subcommittee hearing today on implementing new mortgage rules. We have the president and ceo of the independent conservative. You guys are from two sides of the same coin. And the fellow that was representing you guys in todays hearing actually runs a 100yearold bank and ohio. He has Something Like assets in private reforms that nobody else will. What is the implementation of all these new mortgage rules on independent Community Bankers. What it does is limit the flexibility and it interferes with our relationship banking model. And every customer has a different story and from the Time Community banks started 250 years ago to now, that figure has been able to individualize that particular customers Financial Plan to that customer. More and more of that kind of judgment and flexibility is being frozen out through these regulations. The regulations are getting between the banker and the customer. We did a segment on this. I hear a lot of people are angry about them in one of the folks i talked to this week said this is going to be a burden for minority borrowers. You agree . All strongly support these rules. They need to gather data to see if they can reasonably afford to make the mortgage payments based on what they know when the loan is made. Including the financial crisis weve had in the last few years. We are big supporters of independent Community Bankers as well. Gerri you said something very important. It had rippled through the entire economy and society. Not in the sense of the Community Banking industry. The Banking Industry throughout the entire financial crisis never saw mortgage delinquencies were foreclosures rise above 3 during the entire time because Community Banks or portfolio lenders. They were not selling these to the securitizing of the ones that they were keeping 100 of the risk on their books. And so if the loan went sideways it was the Community Banking to pay the price. Okay, overview, heres one of the complaints i hear about the new rules. And you anything that will prevent it from another meltdown. But the Housing Market is just now beginning to recover. This is during a time that americans need mortgages. But the banks have already sort of tighten up their lending standards. Youre exactly right because they crashed that the lenders tightened up and the investors dont want to invest in us. This provides new safety which will bring more money into the market and also let me be clear that it provides for separate and lenient standards and we support the broader rules and we agree that there are some places that they should be easier to highway. They did relax some rules under the small creditor exemption. But they didnt go far enough. They are very restrictive and i was a community banker. I own a community bank. Their income to debt ratio is 40 and it can be more than 43 according to the regulation. So am i going to take the chance of getting in trouble by a troll attorney . What the regulations are doing here is they are squeezing judgments and character out of the lending process see one but mike says thats exactly what needs to be done. But you guys can be trusted to make the right decisions. What is your response . That is totally wrong. There are 7000 Community Banks in this country that have made those decisions day in and day out for generations. It was the Community Banks that built this country. And one in five are only served by Community Banks in this country. The Reputational Risk in the litigation risk to make that phone. Windows people turned . We do trust the Community Banks and we work to make these rules flexible for them and we are committed to working further with them. But the ig picture is that everybody got hurt by this. Lending including the Community Banks and we need to restore balance to the overall system with flexibility for the Community Banks. Gerri thank you guys for coming on. When you make those changes . The cart before the horse. A dollar short and a day late. Thats what i say to the regulators. Thank you. Thank you. Gerri you know they have done it again after coming to an agreement. Funding the government through the end of the fiscal year on september 30. In addition to funding the government and some other bonuses you would like to hear about. They say sixday delivery must continue with the u. S. Post office. But there is terrific news. It was blocked from the band for incandescent lightbulbs. Does the government have the right to ban lightbulbs . Incandescent light bulbs. Log onto gerriwillis. Com and i will share the result at the end of tonights show. We have more coming on and powerhungry homeowners associations as newsgroups gained in popularity. Details are coming out. 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 ay there areno hidden fe. Not one. Thats nice. No hidden fees, no worries. Ally bank. Your money needs an ally. [announcer]. If you think the best bed for one of you might be a compromise for the other one. [woman]ask me about our tempurpedic. [announcer] theyre sleeping on the newest tempurpedic bed. The new tempur choice. [man]two people. Two remotes. [announcer] firmness settings for the head,legs,and back. And with tempur on top,that famous tempurpedic comfort comes any way you like it [woman]ask me out the lumbar buon. [man]shes got her side. And iveot my side. [announcer] tetempurpedic. The most highly recommended bed in america. [woman]dont touch my side 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. Gerri being underfunded and overwhelmed has some own auditors getting the squeeze. With one as we have buried gibbens. Welcome to our show. And so these associations are just out of control. Giving people a really hard time. Why is that . They need the money and they go after the money and maybe they have broken a law that pertains to dog walking. So they are finding them and in some cases they are taking it too extreme. And they are foreclosing on that. Whatever the case may be. Small amounts and theyre going after them. Gerri you want some kind of standards. But this is out of control. What is this crazy stuff you have seen . People actually do like these associations for the most part. Their statistics showing that they are happy with the amenities they like the service is overwhelmingly so. But when they start nitpicking and so for those people who arent, they are getting into trouble and more than they have seen previously. Especially with these type of associations, a lot of these people dont look at the agreements and they dont know how to play this game. So you have to kind of know what the game is and how youre going to fit into the community in general. Gerri lets talk about these individuals. 70 of these communities are underfunded and that is two thirds of the communities having financial problems and looking at your wallet. 52 for any number of reasons. Homes that are still empty and you have governance problems and administrative problems. Gerri it sounds like a lot of people. And someone with a big ego might want to get up there and run the show. And i think you need to play by the rules and you need to check out what is in reserve. Especially for those that dont have a lot of money ready to go. Gerri what number should i look for an otherwise assessments will come in and you will get hit with higher fees. And that is great stuff. Gerri thank you. A lot of people out there suffering. And coming up next, a new year and a new you. Considering massive consolidation in what and what it means for you coming up next. [ me announcer ] this is the story of the dusty basement at 06 35th street the old dining table at 25th and hoffman. And the little room above the strip mall f roble avenue. This magic momt it is the story of where every gre idea begins. And of those o believed they had the power to do more. Dell is honored to be part of some of the worldgreat stories. That began much thsame w ours did. In a little dorm room 23. This magic moment open to innovation. Open to ambition. Open to boldids. Thats why nork has a new plan dozens of tax free zones alacross the state. Move here, expand here, or start a ne 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. Gerri Time Warner Cable still gerri let the bidding battle began. Time warner cable rejecting a 15 billiondollar buyout. It has to happen for the cable industry. And so it would like keep people from raising their prices. Gerri its like the airline industry. This sounds a lot like therere going to be higher consumer prices. Viacom wants more money and that is long to use as a consumer. But maybe consumers are just going to do this altogether. So maybe they can get this for cheaper and maybe keep the bills at the same level my mother cant think of her World Without cable tv. Yes my sister, she cant understand why anyone would buy cable in the first place. Gerri it really is a generational thing. Time warner is second and its a very different number. And there is a very big difference in the revenue and you look at these numbers and say theres a little aerial view and what can we do to it disrupt the break. Industry say that you are right. These are monsters that have strivers and americans certainly like their tv. Gerri i love my tv for the record. However it is delivered. Thats right, if they keep raising the prices. That is an issue where they hold out. But i think you are onto something. I think the cable industry has a lot more money in the area. I think the fcc still have some reservations. Meanwhile i think a lot of consumers are looking at other options. And i think that it will take another play. And consumers are switching to cash as a result of what happened to target. Jpmorgan jpmorgan has replaced 2 million credit and debit cards. And deja vu of boeing. And after the worst day in two months, intel jumped 4 making it the biggest winner in the dow jones. Microsoft had a 2 increase in not good news. And gm says it sold 9. 7 cars and trucks last year. And those are some of the hot stories right now on fox business. Com. One company who can predict a massive cyberattack and what can be done. And the new year and a new you. We are continuing with a look at the best gizmos for your house. 7 million investors. Gerri gerri a highly skilled c. Kevin, neill holleys on line one. Ok, great. [ male announcer ] and we do. Its how edward jones makes sense of investing. Legs, for crossing. Feet. Splashing. Better things than the joint pain and swelling of moderate to severe rheumatoid arthritis. If youre trying to ma, now may be time to ask about xeljanz. Xeljz tofacitinib is a small pill, not an injection or infusion, for adults with moderate to severe ra for whom methotrexate did not work well. Xeljanz can lower your ability to fight infections, including tuberculosis. Seris, sometimes fatal infections and cancers have happened in patients taking xeljanz. Dont start xeljanz f you have any infection, unless ok with your doctor. Tears in the stoach or intestines, low bod cell counts and higher ver tes and cholesterol levels have happened. Your doctor should perform blood tts before you start and while taking xeljanz, and roinely check certain liver tests. Tell your doctor if you have been to a region where certain fungal infections are common, and if you have had tb, hepatitis b oc, or are prone to infections. Tell your doctor about all the medicines you take, and if you are pregnant, or plan to be. Taken twice daily, xeljanz can reduce the joint pain and swelling of moderate to severe ra, even without methotrexate. Ask if xeljanz is right for you. Gerri okay, looking to change jobs, lose weight, or get organized in the new year . We are breaking everything you need to know about sticking to your resolutions with our special users guide. Tonight, were breaking down simple way to that has up your home with the latest grass gag ets. There are a lot of people that probably wanted your gig. Im not going complain. I love what i do gerri youre good tap thats why we have you on. Its very cool. You have to invite me over. Its a lot of graphics. Very bright. Very nice. [laughter] gerri you have lots of ideas. You want a house to be fantastic. This is one of the things. It is a video doorbell for your smartphone. Think about it, you never leave your home without your smartphone. Its always within 3feet of you. Want to see who is at the front door . Theyre on the smartphone. It communicates with your phone via wifi. Gerri ios or android. Yep. Gerri i like that if im at home or not at home. Sometimes i dont want to be at home. You can be out of the country and you can see what is going on. Its cool. I love it. It starts for 199. You can hard wire it to the doorbell. Gerri jason, i want instant access to hd content. How about apple tv . Its great. I have apple tv and i love it for those that have it, we absolutely love it. You can use ether net or wifi. Gerri i like it. Anything you want. You can use air play. Gerri netflix, hulu. Very easy to hook up. You have the Remote Control or you can use your smartphone. Its a great way yeah, the online content on hd. Think about it. Now everybody is online. They want the stuff on the hd tv. Its a great way. Very exact. You can see how small. Gerri it gets even more come compact. I want to talk about they are but tooth operated. Its a great way to keep track of the things you lose. We all do. It gerri i lost my ipad it was a disaster. Exactly the tile is there. The blue tooth it only operates with ipad and iphone. It will operate with any smart device. It will give you snag signal to where it is. It gives me a signal where . How . It tells you if youre warm, cold, which direction. Did can communicate with other tiles and communicate and show the last place it might have been. They are tiny and easy to put in. You can put its a key chain you can put on anything. If you lose the smartphone, you can use the tag to find the smartphone. It works both ways. Gerri it dw stupid you are. You are saved you want to do the nest detectors. Right. Gerri whaa is interesting the company was bought by google for a lot of money. You could have figured it out yourself and made the dough yourself. Dont i know it. That would have been nice. They are particular with the nest, the learning thermostat which is a big thing lately. Now they have the nest protect. Everything needs the smoke alarm and the gerri its true. People who are cooking and the alarm goes off. You want to rip it off the ceiling and take the batteries off. It gives you a lot of opportunity thes. Its all wireless now. It communicates with the smart device and tell you where the fire is it. It gives you a heads up warning. It verbally tells you with a human voice where the problem is and what to do. I think were looking a the the thermostat. Im sorry the nest thermostat. That is a learning thermostat. That will just by operating it for the first week, it learns your technique and how you like to keep your house. You never have to worry about programming it. It programs itself. Gerri i dont think the schedule up to my 1933 tutor. Probably not. You have to be careful when you put them. They dont hook up right to the existing system. Right. All great products. Its all about technology. We do the show man cave. Its about the greatest tech