Well talk about it. Turning an internship into a career, how do you do that . Well show with you advice from a top expert. For those of you looking to stretch your retirement dollars, buying properties overseas can be a great bet. Well give you all the pros, all the cons. You will decide. The willis report where consumers are our business starts right now. Cheryl we begin tonight with the danger that might be lurking in one of the most popular toothpaste brand in the nation. The chemical try close san, found in Colgate Total toothpaste is linked to cancer is in animals. It eliminated the product from the Soap Products in 2011 and but has no plans to take it out of their bestselling toothpaste. Joining me erin tolbert, emergency room news practitioner. Dr. Kevin campbell, assistant University Professor of medicine at university of north carolina. They have no plans to remove it. Colgate says were not concerned about try close san. Are we misled by the company. We have. We have Animal Studies from 1976, show it may interfear with hormone regulation. It may interfere and cause cancers and other negative Health Effects yet this is a multimilliondollar, if not billion dollar industry theyre trying to protect their turf here as well. Cheryl erin, talk about exactly what it is. The fda, we found out through frankly obscure release of documents that they have the data from colgate said look, there has been cancer in animals why would triclosan. Be dangerous if. Colgate uses it to prevent gingivitis to prevent bacterial growth in the mouth. It has been iaea effective to do so. It messes up your hormone. We see decreased testosterone production. It inhibits the thigh road hormone and recently linked to Breast Cancer progress. So it allows the cancer to progress more quickly. That is the major concern. All they it can prevent gingivitis it has all these other negative Health Effects. Colgate did respond to the allegations. To be fair here, i want to put up what they say is their response at this time. They say for 20 years, over20 years, Colgate Total has been subject of rigorous and continue us scientific review by the fda and regulators in the eu, australia, canada, countries which which affirm the safety and efficacy of coal bite total. Some countries have banned triclosan and were still using it. Im still very concerned. 57 of the americans have triclosan in their urine when they did the study by the cdc. Now there is Study Released this week and looked at mothers who were pregnant in brooklyn. They found the mothers, 100 had triclosan in their blood. Worse yet, 100 of the cord blood, meaning blood from the babies had triclosan as well. Cheryl here is the thing, erin, if we cant use triclosan on our hand, they took it out of Soap Products but it is okay to put in our mouth . Exactly. That is the major concern is, longterm use over time of these chemicals can be dangerous. Were in contact with this chemical frequently already through things like hand soaps, antibacterial hand washes, but the studies show that it may not even be more effective than just using soap and water. Why take the risk. Cheryl what about the fda, dr. Campbell . It is interesting, the fda back in 1974 would rule on triclosan by 1976. They never did much about it, because for Consumer Product it is doesnt have to be third party data. For pharmaceuticals it has to be independent third party that presents data to the fda the fda need to start looking at that for Consumer Products to protect our health. They have said they will rule on this in 2016. Almost 30 years later. If you look at the top toothpastes out there, coal bate total isnt number one but it is number three. Crest 3d white. Were not having the conversation about the two crest products but yet were having conversation about Colgate Total. Maybe this is overreaction again. Seems to be a little odd the way the fda quietly on friday released these weird spreadsheets telling us this was going on. Oh, by the way, this concerns about triclosan in our toothpaste. Right. It was a result of the freedom of information act. They were asked to release these studies and so they were made to do so by law. Youre correct in saying that, crest doesnt use this product. Other tooth pave the like aqua fresh, sense sew dine, dont use this product. Why do we need it in colgate. Cheryl 80 studies have been done, thats what colgatepalmolive says, but it is still in there. Erin, dr. Campbell. Thank you for being here. Thanks for having me. Cheryl during this hour well break down the state of american wallets and where we are since the Great Recession ended. Do you and your family feel, well, financially better off right now . Turns out jobs today pay an average of 23 less than they did before the 2008 recession. That translates into 93 billion in lost wages. Joining me now, gene marks, owner of the marks group which provide tech and Financial Services to 600 companies in the philadelphia region. He is probably on vacation because i see youre in San Francisco, gene. Thank you for taking a break with us. You caught me. Cheryl beautiful place to be. You work with all these small businesses. Talk to me, wages have gone down. Certainly that is better for businesses but why arent companies willing to increase wages . Why are we back to where we were supposed to be or where we were pre2008 . Interesting, cheryl. I like to think of example. We have 600 clients around the philadelphia area. One is a small familyowned business. Four brothers. They run a Manufacturing Company outside of philadelphia. A lot of yelling and screaming. They have 85 employees. They added 10 or 15 employees last couple years. But mostly low level, lowwage jobs. They have been under no pressure to pay more. You know what the biggest reason is . What is on amongst companies around america. Number one theyre outsourcing a lot more. They find independent people and contractors, there are websites like odesk and elance you find people to do sales work and Customer Service work and Development Work and Technical Work where you just pay them per deem instead of committing to bringing on a fulltime employee. Those guys, the four guys i know that run that company, i think are very representative of my clients, they are really, really hesitant to bring on more people in this economy right now. They would rather outsource. One other thing going on is technology today. It lets them do a lot more with people. So their management, they would rather keep them as busy as possible than having to bring on another high level, you know, 60 figure person as long as they can leverage the technology in the company to get what they have got to get done. There are a lot of great many applications. I can find you plenty of Service Sector jobs. If youre a bar end iter, waitress, can get you a job, engineer or nurse. Beyond that to find a highpaying job, that is the struggle people are dealing with right now. That is why the economy hasnt picked up. I dont believe the 4 gdp. Want to show you something, at least to viewers, show them what is going on how we changed in the wage makeup in this country. If you look from 2010 to 2014, this is four years. This is not since the recession. In the last four years, higher Wage Industries are paying less, less after job gain there. LowWage Industries, talking people that are making, you know, eight bucks an hour, 10 bucks an hour, that is where the huge amount of gains have been. That is complete shift. Can we ever get back to where we were, gene at all . Eventually we will. Let me tell you what is going on with the shift. There are a lot of startups. We hear about the startup economy. Reality, cheryl, at least from my client base, people starting new companies are Service Business or restaurants or little shops or contractors. Cheryl Service Sector jobs, that is exactly what im saying. That is the frustrating part. Go ahead. It is. Starting up a little business, it is great, if you have got you running your shop you need somebody at lower level wage to supervise. You dont need higher Level Management people. All the new startups going on, and new companies coming about, theyre run by high Level Management. Theyre starting out companies but they need lower level wage people. The wages stay low. The reason why theyre staying low right now because the economy still is not growing. I dont believe that 4 growth either. Im not seeing that among my client base. Cheryl but your clients, gene, are they, are they telling you theyre going to hire maybe more in the second half of this year . Were in the second half but in the next few months before the end of 14 . Every client that i talk to does not know if theyre going to hire more people. They would like to but no one wants to commit and the reason why because theyre not believing the economy is in a growth stage either. All we want to do, this is my company too, cheryl, i have 10 people. We want to get more done with the people that we have. That is the first priority. Were really loathe to bring on more people. That is what im hearing in my clients. Cheryl remind me of my good friend rich, who cant commit to a cell phone plan. True story. Stanley fischer, number two at the fed, here is what he said about growth in this country, you and i agree we dont believe in that 4 growth. We think it will be revised like nobodys business, basic challenge on list of issues, restoring growth if that is possible. Underperformance reflect as longer term growth shift in the economy and less growth and talks about supply. Do you agree with him . Yeah, 100 . The biggest reason for growth. I get back to the manufacturer outside of philly. There are is 1. 6 trilliondollars of cash held by american companies. My clients are doing the same thing. Were hoarding it. Were very loathe to make investments and bring on more people right now. If businesses really arent making those kind of invests and taking a risk, indicative of a nonbusinessfriendly environment right now. You will not have growth unless that happens. Im not seeing my clients. Where americans have their money . Gene . Cash. Number two, real estate. Cash is it. Cheryl cash is king. Gene, thank you very much. Enjoy the rest of your holiday. You too. We want to hear from all of you now, what all of you think, what are your lives like right now. How are you feeling . This is question for all of you. Log on. Are you earning more or less since the recession . Log on to gerriwillis. Com. Vote on the righthand side of the screen. I will share results at end of tonights show. I have a feeling i know what youre going to say. Still a lot more to come this hour. Try to be nice to me. Last night was a little rough on my ego. Just saying. During the show we want you to facebook us, tweet me gerriwillisfbn or cherylcasone. Be nice. Im recovering emotionally from last night. Email us at gerri willis. Cop. At the bottom of the hour well read all the tweets and emails, the nice ones. Coming up next the battle of the car sharing apps. Yes, things are getting downright dirt between lyft and uber. What you need to know before you take a ride. That is coming up after the break. The. Cheryl fierce rivalry between popular on demand car services, lyft and uber. They say they are making thousands of pickup requests decreasing drivers ability on lyft. Is there friendly competition or sabotage going on. Adam lashinsky joining me from fortune magazine. Fox news contributor. Great to see you in new york. Good to be here. Cheryl these are two San Francisco companies, formally where we see you from. Their offices are down the street from each other. This has been going on more a long time. Funny thing about the leadin there is nothing friendly about the situation between these two countries. One is really the goliath, that is uber and lyft is something of david. They are hip every and friendlier. They like to do a fist bump when you get in the car. Uber is not touchyfeely at all. Cheryl that is a food thing sometimes. But, you brought up the behemoth. If you look at valuation of uber, were looking potential valuation of more than a billion dollars. Of uber, 18 billion. Lyft is mere 700 million for little company. Cheryl 18. 2 billion and lyft. Is this uber trying to crush lyft abuse they dont want competition or other sides maybe they want to buy them at some point . My instinct theyre not interested in buying them. It is not enough business. Uber is doing more than enough business certainly in market like San Francisco. Lyft is in far fewer markets by the way. Cheryl uber is global. Five continents. So u. N. Or is interested, uber loves to pick fights. On one hand theyre fighting with taxi commissions and local governments everywhere where they are opposed. On the other hand theyre fighting with any clone as they like to call it, a company like lyft that comes in latewer similar business. Oh, no, we would like to have all of it. Cheryl i like to show viewers what theyre doing, its a little dirty im sorry. This is what uber is doing. This is incentive basically to go after lyft. 250 bucks to refer a new driver to the service. 500 bucks if you refer a lyft driver. 1,000 if you sign up one of mentors at lift. That is what the journal found out. At the same time uber is saying basically, hey, this is a program, riders, they can recruit drivers. They can do whatever they want. You know, theyre going to get a Better Living at uber. Come on over. Well it is, i give them credit at least for not dancing around the fact that they are going right after their competitor. I seem to recall in the past when the zoll phone companies had wars between each other, would pay a bounty, switch from the one youre with. I remember when apple ran ads encouraging people to switch from the pc. Come on to the light side. So uber is in this tradition. It is not nice. Cheryl lyft is coming out, we reached out to both lyft and uber want to come on and talk about . No we can not. Lyt of the gave the show a statement. Unfortunately for Community Members they use the tactics to waste the drivers time and impacts next passenger for the driver. What theyre doing, im pretty sure i saw this happen last night here in new york city, where they flood the lyft drivers with requests. And cancel them before the driver can get there. Like, oh, were too busy to get other real paying passengers. Lyft is right. Theyre victim after dirty trick. Having said that this publicity is great for lyft which is much smaller. Instead of clogging up the system this is really good for consumers. There is far more choice than a mere five years ago getting a ride from point a to point b in relatively big city. Cheryl i dont know. Im telling you, when i saw that last night, ton of cabs but no lyft drivers available and want to charge 75 premium. If that is uber doing it, that is pretty smart. Adam, good to see you in new york. Always a pleasure. Have you seen ads for an app saying change color of your facebook profile page. Dont click on it is a scam. It loads malware on to the smartphone or computer. According to mobile security blog post, 10,000 people have fallen for this. If youre one of them, go to the Facebook Settings change and remove color changer app and take the computer to get it cleaned out. Later on in the show, taxpayer outrage. A new report shows very little work done by employees. One Government Agency. Not a shocker. Coming up next, we answer the question for you, how do you do that . Wheel have advice retiring outside of the u. S. How about the best overseas real estate for your money . Coming up next on the willis report. Well be right back. Youre driving along, having a perfectly nice day, when out of nowhere a pickup truck slams into your brand new car. One second it wasnt there and the next second. Boom youve had your first accident. Now you have to make your first claim. So you talk to your Insurance Company and. Boom youre blindsided for a second time. They wont give you enough money to replace your brand new car. Dont those people know youre already shaken up . Liberty mutuals new car replacement will pay for the entire value of your car plus depreciation. Call and for drivers with accident forgiveness, Liberty Mutual wont raise your rates due to your first accident. Switch to Liberty Mutual insurance and you could save up to 423 dollars. Call Liberty Mutual for a free quote today at see Car Insurance in a whole new light. Liberty mutual insurance. Cheryl the increasing number of cheryl increasing number of baby boomers buying property overseas to stretch retirement dollars. One bad move in your piece of paradise can turn into a nightmare. Here to help you buy overseas is amir. Everybody goes to other countries and lot of success for americans in places lycos tariqca. Now theyre going to panama and parts of honduras. There is danger in this that the government isnt stable. What is the buyer beware . A couple of things to consider. Most important you want to be in a country, you want to invest your money in a country thats stable. Ivory coast is beautiful place with great beaches but you dont want to get your head chopped off. You dont want to be in a place where regime could change any moment like in Central America, where the change the property laws all the time that. Could be devastating for people that invest their money there. Cheryl perfect example is country like colombia. Plenty of americans have gone down there put money into condominiums and homes and they have had, next thing you know, laws, services, permits are not coming and you have to pay soandso. That is really bad stories. South america especially. Venezuela as well where they