Gerri we begin tonight with big wins for consumers tired of getting ripped off. Citigroup and m t bank joining the list of Companies Recently caught overcharging folks, trying to get away with it. Lets get to all of this with financial advisor, randy newman, founder of Wealth Management of the welcome back to the show. Great to have you here. Thank you. Gerri i want to show a full screen, a list of companies having to pony up dough because they did the wrong thing when it comes to consumers. Include large bank, citibank, smaller one m t, and at t. Is this a big day for consumers and is it a big win . Absolutely. Basically free market guy but when the free market does the wrong thing for the clients, smears, they have to be rain in customers. Gerri lets talk about each one of these and start with citi. This basically disagreement over advisory fees for an investment and a woman here right in the new york city area who says that she negotiated a fee of 1. 2 on thain investment and was charged 1. 5 . That was enough for citibank to get into a lot of trouble. Even though the numbers look small, they mean a lot to small investors. Absolutely. The real problem here is that citibanks auditors should have found this before she had to go to attorney general schneiderman and make a claim. Although her claim was only 3,000. If you multiply by a lot of people and probably 3,000 is a lot of money to her. This reprehensible. Gerri 3,000 is a lot of money to most of us i think but i have to say we still dont know what other consumers were charged in other accounts. I think it is an open question and the ags office is saying theyre still investigating this. We could see more on citibank at the end. Day. Lets talk about m t bank for a second. They did what they were a classic move by bank. They said they were going to offer free checking. It wasnt free. Now theyre paying the penalty. What do you make of that . I was a banker in 1978. Things were a little different then. You cant make naked promises to customers and expect them to stay around so and now although there arent a lot of banks any longer you can certainly make a move to one that doesnt take your money. Gerri at t, so, ive got to tell you, this is called cramming. That is what they got charged with here. They put charges on your bill, at t does, for your cell phone, stuff you never ordered. Might be charged 10 bucks a month for services, get your horror scope, did you order that . Maybe not. Big trouble. Theyre paying 80 million in customer refunds. 20 million in penalties and five millions in penalties and fines to the fed. What do you make of this one . Well the order of payments remind me of the sopranos. He had paulie walnuts and silvio in their employ. Theyre whacking this money up to various groups. This tragedy this is ma bell. Gerri right. Mischarging people. And, they were taking 35 take on expenses they paid from the vendors so. Gerri i got to tell you, this courtrooming that were talking about, this isnt something that with just at t just did. This happening almost every single year. There is a Big Phone Company gets charged with this. And thats why im just a little circumspect about this whole customer consumer victory day because i think it took too long, and these companies are getting away with murder. They charged this for years. Nobody paid a bit of attention and in the case of citi, that case goes back to 2009. Yeah. Gerri so, are consumers being protected enough . Are they getting their backs watched . I mean at end of the day, social media is their biggest tool. Social media is the biggest thing that will allow to you complain publicly to get changes you want. Does there need to be more done for these people . As i stated earlier this all should have been done by internal audits. They shouldnt have to wait for clients to complain to the government and file lawsuits. The internal auditor is supposed to find this stuff. Gerri they have to do a better job. Randy, thanks for coming on. Thank you. Gerri from the company doing the wrong thing to amazon. More amazon shoppers are getting hit by the taxman. Minnesota and maryland becoming the latest states to levy sales taxes on samamazon customers. As numbers mount will amazon lose out . Plus where should shoppers take their money are to the best deals. Joining me a personal finance expert for cannoli, an Internet Marketing company. Andrea, welcome back to the show. Thanks for having me. Gerri were seeing big numbers here. 69 of the americans will be paying sales taxes on allison good in 23 states. What is going on here . Well amazon is quickly expanding and growing. Theyre building more Distribution Centers in urban centers. And theyre looking to create speedier delivery service. Unfortunately due to a 1992 Supreme Court ruling where, which allows states to apply sales tax to any retailer with a physical presence in their state, means when amazon expand and builds a warehouse in a state, they do have to start collecting that tax and amazon cant avoid that obligation. Gerri well, i think more and more people are, you know, involved in paying this we have a map of all the states where folks are being charged. Do you think more states will be added to this list . Amazon has been expanding for some time. Every year theyre moving to another state. Do you see this expanding further . They already announced they will be building a warehouse store in South Carolina in 2016. And there is also speculation at that they will be opening some web sales office in ohio. So those are two other states that will be looking at this. But more pressing is, the pending expiration on december 11th of internet tax freedom act which prohibits states from collecting or setting up an internet tax. Congress may be moving forward, implementing the market fairness act which would actually allow states to collect sales tax on any online sales, whether that retailer has a physical presence or not. That is Something Else we need to look forward to and look out for. Well that is not good news. Happy christmas to you, right . This is all coming out right before the holiday. Something else going on i want to talk about with amazon. New studies showing that amazons prices are getting undercut. Start with target and walmart. Target prices 5 cheaper. Walmart 10 cheaper. I still think amazon was the lowcost provider but not so. Seems like you can find cheaper prices by comparing. You have to look out for it. These retailers are fighting back. For a long time they were undercut by amazon. Theyre looking for new strategies to rake in sales. Not only are they trying to lower and beat prices with amazon, were also seeing other tactics. Target, for instance, is ramping up for the Holiday Season with exclusive product lines. Toms, for instance, designed 50 exclusive items for target available in november. Walmart is really ramping up with free ship to store. So you could pick up good as early in an hour if you order online. Much faster than amazon can deliver. Well definitely see these competitors heating up with pricing wars. Want to show a couple other full screens so people get a sense of the study because it is fascinating. If you look at the category clothes and shoes, coles 23 higher. Kohls. There is lot of competition out there in that category. Amazon getting undercut by a lot of players. Look quickly at electronics because everybody will be pricing electronics come christmas. Again, were seeing lots of competition here. Radioshack offering good prices. Best buy, target, walmart. So andrea, i dont know if you know this or not, amazon will open a bricks and mortar store of all things, after being the online king in new york city, for the holidays. What do you make of that . You know, theyre looking to attract customers that appreciate their ininventory and really drive extra sales. It is just a new tactic among many others that theyre using to beef up sales. Weve seen same day delivery by amazon. It is already offered in seven states in select regions. Theyre doing sunday delivery via usps. Theyre looking for a lot of different tactics and during the holidays clearly they can capitalize on those new york shoppers. Gerri i got to he will you theyre a smart player. Thanks for coming on. Thanks for having me. Gerri still a lot more to come this hour including your voice. Your voice is important to us. Thats why during the show we want to you facebook me or beat me gerriwillisfbn. Send me an email going to gerriwillis. Com. At the bottom of the hour well read your tweets and emails. Next the ebola scare, it is continuing, as the general warns the disease may make its way to the u. S. Via latin america. How our porous borders could be putting you at risk. Stay with us. [ male announcer ] ours was the first modern airliner, revolutionary by every standard. And that became our passion. To always build something better, airplanes that fly cleaner and farther on less fuel. That redefine comfort and connect the world like never before. After all, you cant turn dreams into airplanes unless your passion for innovation is nonstop. Is. Gerri fears are growing here at home over ebola spread outside of west after from. A hotel in macedonia is sealed off after a man died there with ebola symptoms a top u. S. General Warning Deadly virus coming to Central America is a real threat. With more on this, dr. Bob from newark medical center. Welcome back to the show. I will start with good news. We never get good news on the topic. We got good news from Texas Health Officials that a deputy, a sheriffs deputy in dallas, texas being tested for ebola who actually helped clean up the victim who died there, that apartment, is testing negative that is good news tonight. Thats great. Gerri does that mean all is clear in dallas . No its not. Because we still have the incubation period going on. Im more concerned about the three people that were with the deceased in his apartment tore those two days after he was sent back from the texas hospital. Gerri well, that is a great point. Yeah. Gerri other concerns today, secretary burwell saying that we will have more cases in all likelihood, this after the administration said there is no way it is coming to this country. What do you make of the flipflop and is she right . I think she is not right. I think we are going to see cases. Were prepared for cases. Most of the hospitals gerri she is saying there will be cases. There will be cases, yes, so she is correct then of the there will be cases in this country. There no question about it. We, the world is very small. People are traveling. Were very cognizant in our Emergency Rooms about people who come in with diarrhea, vomiting, who are or have traveled to west africa. Even some that have not admitted to traveling to west africa. As you know our airports are now screening people. I dont know what that is going to do because theyre looking for temperatures gerri may not exhibit a temperature. You may have ebola and not know it. You have to be pretty far along to have a temperature. That is imminent danger. Gerr about south america and this warning from general kelly, that that door is wide open. Our border is porous. Why would south america display ebola . Why would it go there . There are many west africans who are trafficking across our border with drugs. There is a sex trafficking ring. There are at least a dozen or so west africans who are caught i guess weekly coming across the border. So our concern is if the disease appears in latin america or in the caribbean, places like haiti, or other island in the caribbean gerri what a nightmare. Then we have a real problem. Gerri what is the state of medical technology in south america generally . In some of the developed countries like argentina has has already been on high alert and brazil the technology is fairly good. Countries in Central America, guatemala, honduras, not that great. Gerri today, cabin cleaners here in the u. S. Today walking off the job because theyre nervous, theyre worried about getting ebola. They say they come into contact with all kind of disgusting things. Vomit, blood, as they clean up airline cabins. Hard to blame them. Yes. Gerri what are we going to do . These Airlines Planes are not clean. Knows most of us are not away of what goes on in the seats and tray tables that we sit at. We dont realize that these planes are not scoured but maybe once every 60 flights. Youre sitting in a bowl of germs. The kicker here is, that for the most part we have fairly good immune systems. We have good resistance but i dont blame these people for being concerned because they have got to clean up these restrooms. You know what a restroom is right after sixhour flight. Gerri much less 60 flights. Thats right. It is a disaster. Gerri tell me, what would you advise people to do . I advise people to have confidence in our Health Care System here in this country. I can tell you personally i have spent a great deal of time at our own hospital gearing up, learning how to don the masks and various tie best suits well be using for suspected cases. Tie vex. Doctors are alert what they have to be aware of. I will not induce panic n this country we you had should be able to handle anything that comes our way. Im not so sure about other countries, however. Gerri you at Newark Hospital are right next to one of the big airports. Right there. Gerri that is targeted, one of the five. Thanks for coming on, bob la heat at that. Always good to see you, gerri. Gerri fox businesss jeff flock is at ohare in chicago, one of the five major airports to prepare to start screening passengers from west africa. There he is, jeff. When will ohare start this screening . Ohare and four other airports will start not till monday, gerri. Although jfk is one that will start on at day. But a lot of people will come through without being screened. These doors you see behind me, they open to average of about 50,000 travelers a day from overseas. On monday they start the screening which includes having their temperature taken. They will have to answer questions on their infection risk and their exposure perhaps to ebola. And there will be a visibly assessed for symptoms. I want to show you what the screening will look like, at least in terms of the device they will use. It is not a thermometer that goes into your mouth or any other orifice. It is one aimed at you kind of like the order of a radar gun and gets a reading n terms of anyone who gets a positive reading, that is to say is running a temperature, the cdc begins to get involved. Up until then it is just Border Patrol, the people that protect the borders, customs and Border Patrol officials. They will conduct the initial screening. If somebody raises a red flag they will then be allowed to continue to travel or be sent to a hospital, or will have to be monitored Going Forward if they have a symptom that they think needs monitoring. In terms of countries or in terms of airports, i mentioned jfk. Im hear at ohare. Newark is another. Hartsfield in atlanta the other. And i cant think of the fifth one now, can i. I should know it. Dulles, washington, there you go. All five. This is 90 to 59 of all the people that come from the three countries in question. Tell you, if you look at the numbers, gerri, it is a very small number of people who will be screened. Only on order of about 150 people a day come to the u. S. From those countries. Thats compared to 247,000 daily arrivals all across the country. So its a fairly small number. Here at ohare, expecting average of 30 people to be screened each day. We made a big deal out of this. That is actually going to be not that many people that wind up getting screened. Gerri got to tell you, jeff, that is like a needle in a haystack trying to find folks as they come through. They saw a picture of a thermometer you were describing. Have you seen one firsthand . Does it work well . Sometimes these devices arent so easy to use . We asked if we could see it. We asked is it here, can we see it. They said yes, we have the device here but were not showing it to you at this time. Some doctors say they are fairly accurate but, you know, the other piece of that of course even if you get a positive reading or dont get one, the fact is you can have ebola without displaying the symptoms yet. So, how effective is this ultimately . At this point we dont know. Gerri we want toe no what he you think. Here is our question tonight. Is the ebola threat changing the way you travel . Go to gerriwillis. Com and vote on the righthand side of the screen. We will tell you the results later in the show. Hackers are taking aim. More than a dozen Financial Institutions why didnt they make it in this time . Will they try again . We will answer the question how you do that . Well have advice for super savers where to find higher yields. Stay with us. New york state is jumpstarting business with startupny. An Unprecedented Program that partners businesses with universities across the state. For better access to talent, cutting edge research, and state of the art facilities. 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I think a lot of people out there like me, normal people that invest for retirement, Everything Else getting a little nervous here. You said like turning the calendar back to august, losing all the gains since that time. What caused this . Why are we having this big volatility period now . Not just today. Weve been like a yoyo past three days, down, up, back down again. The chief culprit here . Worries about Global Economic growth. U. S. Economy doing bet