Tell me what are the most common problems that you find with toys . Well, one of the most common problems is choking. We have found over the years many examples of toys on store shelves just too small for Young Children under three to play with. Young children as we all know put everything in their mouths and so the risk of choke something very high. That is actually the largest threat to Young Children. David the other thing youre testing for toxic hazards. Things kids can put in their mouth that hurt them. Noise hazards as well. I really want to get to some of the toys because i think that is the real payoff here. Some of these toys are actually on targets shelves right now. Start with edushape. Tell us what these are . They are textured blocks. Whats the problem. Theyre textured blocks. Marketed to children ages two and up. Unfortunately we found blocks in the set that can fit into a small choke tube, that is, created to test whether a toy is safe for children to play with. What this means is, that if a child as directed two years or above plays with this toy, there is a choking hazard. There is tambourine. Jake the netherland pirates tambourine. This is different kind of hazard. This is cream yum. Tell us about that chromium. Chromium is chemical added to materials to soften them and make them shiny. If a child is exposed to this chemical it can cause skin irritation, rashes and we found levels of chromium in this tambourine that exceeded cpsc safe limits of 60 parts per million. Gerri Consumer Products safety commission. Badge playset this is lead for goodness sakes. We all know lead is a dangerous substance. It was banned in paints many years ago, gasoline. And there is a good reason for that. When children are exposed the chemical can cause behavioral problems. It can cause lowered i. Q. Unfortunately we found elevated levels of led higher than allowable limits in toy badges found in a dollar store. Gerri rubber burns sy ball. This is choking hazard. They look super cute but got to tell you maybe not so much. They are. Theyre super cute and colorful and very attractive. Natural gift for a parent or grandparent to want to give to their child. Unfortunately this ball fits into the choke tube so is unsafe for a child under three. Gerri our generation, sidey lee and stars. What is this . In your eyes. What is this toy . This toy is a small doll. It was found at target, on target shelves. And the problem with this toy it contains a part, the small yoyo fits into the choke tube and even though the toy is actually marketed for ages 3 to 6, so above the 3yearold threshold, the law mandates that a toy marketed to 3 to 6 but contain as small part needs to have a warning label on it that says, is unsafe for children under three. That is because many children between ages of three and six, they often have younger siblings. Also we want parents to know, this is not a Cognitive Development issue. This is, oh, my child is smart enough not to put something in their mouth. This means children under three really put everything in their mouths. We should be very cautious. Gerri you make some very good points there, including maybe younger children in the household. I think thats fascinating. Of course parents, if you have these, you got to get rid of this stuff. Get it out of the house. That is my advice. You have a complete list though at toysafety tips. Org. I want everybody to get that. Because the reality it is very easy to buy this stuff. The takeaway for parents, dont buy toys with small pieces. And youre going to have to watch out to make sure you dont get toys made out of materials that could harm your child. Thanks for coming on. Great to meet. You thank you. Well, cyber monday that is, arrives on the heels of thanksgiving, black friday and Small Business saturday. The beats go on. Although some may argue it was a soft weekend for retailers, cyber monday data is showing Online Shopping day is off to a strong start. Here with more retail analyst, lori wachs thanks for coming on the show. This is great stuff. I have to tell you there is real debate how some of this is going even cyber monday. We dont have the real numbers n the National Retail federation famously saying we think it will be worse than last year by a long shot. Other independent analysts culling through actually what is it going on physically out there, well it, could be much stronger, as much as 17 stronger. What is your best guess here . Well, as it relates to online i think it will be up pretty much in line with what weve seen all year which is up 12 to 14 . But with all the focus and attention that goes to cyber monday, it should tick up a bit on a day like today. If youre not shopping online today, you dont have to fight the crowds and you have got great deals then you wont be shopping on line. Gerri i think a lot of people out there, feel like theyre hammered though by many solve these online retailers and their email in box. I know i am. What kind of trend with online retailers clearly trying to get your attention . What are the newest methods for getting people shopping . Well the interesting thing with the online deals, you can adjust and fine tune your promotional strategy almost on a dime. Whereas, if youre talking about at the physical stores, there is a lot going into changing signage and hard marking the goods. So if we look at todays promotions, theyre pretty much in line with what we saw last year and what we saw overblack friday. So i would then venture to say, that it was not the difficult weekend that the National Retail federation has said it has been. In terms of what i think the retailers doing it right are doing with their online promotions theyre offering a seamless transaction for the customer. So if the customer goes to buy it online and it doesnt exist in their inventory, they then can go to the stores and pull the merchandise because you dont want to ever have to walk sales. That is really important thing. Before you go on i just have to ask you with 40 off and 50 off. Tell me instead this is what were focusing on this week im more likely to believe this is one day or oneweek sale. Gerri let me stop you there for just a second. Why would the National Retail federation get it so wrong . Seems theyre incented to say it is a great year . They are and they have a pretty good track record but they have a tough time now culling whats going on with the big shift to online. So they have a really hard time interpolating the data. Given the shift that were seeing, and with promotions being pulled up earlier this year and november started off quite strong and inventories are lean, so retailers didnt have to get as promotional, i just dont think, black friday is not what it once was. I think were at a real paradigm shift. Gerri very interesting. There is a hook we should be talking about, right . The world has changed. I just think people know the season will go on for a long time. It is starting earlier and earlier. Maybe people dont spend less over Holiday Shopping season. They spend more dollars across more days. Adobe is in the marketplace trying to figure out what people are spending on cyber monday. Midnight to 10 a. M. , yearoveryear growth was Something Like 17 , keeping in mind cyber monday is a far smaller kettle of fish than black friday four days, 50 billion in sales. Do you think that 17 is likely to hold when all the dollars and cents are counted . I think as it relates to just cyber monday we could see a number in the high teens. I think over the course of the season it will probably still be in the teens but probably settle down to closer to 13, 14 as it relates to Online Shopping. Lori, thanks so much for coming on the show tonight. Great to meet. You my pleasure. Well, you know its easy, easy to get carried away in clicking your way through the Shopping List this cyber monday. According to market watch, there are items you should avoid buying today, starting with televisions and laptops. Unfortunately the deals already rolled out on black friday, if you missed out, hold out to january for the new flat screen when prices begin to fall again. There are excellent deals for laptops during the back to School Shopping season. While youre at it, skip buying appliances and household goods. According to retail experts, september and october may be the best time to buy appliances and save sheets and curtains for new year. White sales are in january. That is the tradition since the late 1800s. A piece of jewelry is never a bad gift under the christmas tree, better wait for afterchristmas sales and valentines day promotions. Prices are better then. What you should be shopping for, what are the deals now . Clothing, shoes, beauty think products and Small Electronics like headphones. Still 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 tweet me gerriwillisfbn. At bought hour i will read your tweets and emails. It is an early Christmas Gift to drivers. Gas prices are hitting the lowest levels in years but how long is this goodness going to last . Details coming up after the break. E. 3rd and 3. 58 seconds on the clock, what am i thinking about . Foreign markets. Asian debt that recognizes the shift in the global economy. You know, the kind that capitalizes on diversity across the credit spectrum and gets exposure to frontier and emerging markets. If you convert 4quarter p e of the s p 500, its yield is doing a lot better. If youve had to become your own investment expert, maybe its time for bny mellon, a different kind of wealth manager. And black swans are unpredictable. Gerri cheap gas prices hitting the pump just in time for the holidays. Americas energy boom combined with weak demand is putting billions of dollars back into consumers products but can the fracking industry survive the low prices it brought on . Plus how low can prices go on your Christmas Travel . We ask patrick dehaan, gasbuddy. Com and. Welcome to you both. Patrick, i will start with you, how low will prices go . This is literally putting prices back into peoples pockets. If anybody has a good answer for that, there are dozens of food answers. We dont really know how far it will go. We know given what we know so far we know how low it will go and the National Average could drop into the 2. 50s by christmas. Could be more depending what shakes from here on out. Gerri well hold you to the 2. 50 by chriss ma. That is what were looking for. Christmas. Regular right now, 2. 77. Unbelievable. Last year at this time it was 3. 27. Ive seen 2 and change all over the country on my thanksgiving day travels. Andy i want to talk about something that a lot of people dont think about. Once oil prices drop, oil is input into lots and lots of products. Lets talk about what oil goes into the. What are the kind of things that oil is required ingredient of . Well, sure, i mean beyond the obvious of gasoline, jet fuel and diesel, when you think about things like paint, or plastic, or those Water Bottles that youre buying, water in or said today bottles, things like that, how about carpet, which comes from nylon and carpet backing . So lots of consumer goods. Even buttons on your shirt made out of plastic or even some of the eyeglasses, this plastic is coming from petroleumbased products. And toys. I just think of all the things in the world and were showing g this huge scroll here. Cameras, canned dills. This is alpha, so super long because were only in the cs. It is a critically important input, andy. When you think about what is happening with oil right now, once you lower prices is that going to be kind of a domino effect throughout the economy . Well it certainly is. The consumer will benefit from not only these products that you have mentioned but even when were delivering stuff on the rails like foodstuffs, corn and wheat to the cereal manufacturers and turning it into your morning breakfast and comes into your store by truck. Gerri exactly. Goes on and on. Impacts are hard to imagine. Certainly at these levels. Patrick, which states see the lowest prices right now . Where are the best deals . Not surprisingly most in the gulf where proximity to gulf refining infrastructure is key. Youre talking missouri, oklahoma, texas, south carolina, the benefit of low gasoline taxes and like i said, proximity to the nations infrastructure. Gerri andy, as you look at these numbers, folks say that oil would be twice as expensive if it were not for track fracking. How important is fracking to the story . It is a big part of the story because as you know the increase in production in the u. S. As well as canada met the increase in world demand over the last couple years and will continue to do so into 2015. And that as a result that has tempered any price rises weve been age to see occur. You combine with poorer demand in europe, japan and china. As a result the Market Perception has changed. Now were at 70 a barrel and less. Gerri unbelievable. Patrick, to you, im sitting here thinking about should i buy a bigger car . I think a lot of consumers out there will mull those kinds of questions. But what would be some type of typical pressure that would push gas Prices Higher in the coming months . Are there seasonal factors that might be important here . Certainly. University of michigan are saying that consumers are starting to buy less fuel efficient vehicles. I caution there will be a rebound. Well not likely see gas prices reach records in prior years but there will be a spring runup in prices as refineries do Maintenance Work on their facilities. As epa mandated summer blends start to make their way to the pump. Gas prices will likely start inch offing up. How much and exact time sergeant only question here. But gas prices will likely get close and breach 3 a gallon as soon as next spring. Gerri so, andy, famously opec here is not increasing production and looks like a real war out there. The thing that has been keeping prices low to date has been fracking. At what point does fracking become uneconomic . Because prices drop and drop and drop . At some point you have to think those folks cant make oil profitably . Were really going to find out but conventional wisdom between 60 and 70 a barrel is the break even for new investment up in the bakken as well as the permanent mean basis and eagle ford in texas. However the International Energy agency came out and said most wells in the bakken will be profitable at 42 a barrel which is really hard to believe. Gives you an idea these costs are continuing to decline as we get new technological improvements and greater efficiency. Gerri wow, 40 bucks a barrel, thats shocking. Patrick, andy, thanks for coming on the show. Great stuff. Appreciate your time. Thank you. Gerri we want to know what you think. Here is our question tonight. Are you spending more on christmas because gas prices are lower . Log on to gerriwillis. Com. Vote on the righthand side of the screen. I will share the results at the end of tonights show. Later in the show bond funds are, dashing for cash but what should consumers do . Well cover your assets. More problems ahead for obamacare. Next how prominent ceos are having buyers remorse about backing the health care law. How could a luminous protein in jellyfish, impact Life Expectancy in the u. S. , real estate in hong kong, and the optics industry in germany . At t. Rowe price, we understand the connections of a complex, global economy. Its just one reason over 70 of our mutual funds beat their 10year lipper average. T. Rowe price. Invest with confidence. Request a prospectus or summary prospectus with investment information, risks, fees and expenses to read and consider carefully before investing. You dont need to think about the energy that makes our lives possible. Because we do. Were exxonmobil and powering the world responsibly is our job. Because boiling an egg. Isnt as simple as just boiling an egg. Life takes energy. Energy lives here. holiday mhey is playing i guess were going to need a new santa the music builds to a climax. more people are coming to audi than ever before. See why now is the best time. Audi will cover your first months payment on select models at the season of audi sales event. Visit audioffers. Com today. Gerri the business roundtable, thats a group of prominent ceos, is considering ditching their support for obamacare. Theyre changing their mind because of a fight over work place Wellness Programs. Obamacare encourages these programs but the feds are suing some companies because of them. With us now, trying to make sense of all this, paul howard, senior fellow with the manhattan institute. Paul, welcome. So i am mystified by all of this. There is a big meeting with the president tomorrow. How can the government on one hand say, well, you really need these Wellness Programs and then on the other hand, say, but well see you for having them. Peter doesnt know what paul is doing. There are other laws, genetic nondiscrimination act. Gerri hipaa. And hipaa. Gerri which is wellknown. The trick you cant make it mandatory as condition of employment or having Health Insurance to do this but these are incentives. Theyre really going about, having a 1,000 incentive make it mandatory. Need to describe the Wellness Programs a little bit because not everybody has them. We have them here. They are incentives for to you do the right thing. Explain what companies are trying to get to you stop doing . Trying to get you to stop smoking and eat healthy and cholesterol and risk factors having a heart attack. Get on statins or diabetes medicines, that control chronic diseases that dont put you in the hospital later. It is in the your best interest and companys best interest to keep you healthy. Gerri important to keep you healthy. The way you get answers give you tests, medical tests. Very important law and old law hipaa prevents that, right . Well, hipaa has to maintain confidentiality. So people are saying were worried this information might get out. The real big question appears to be for genetic nondiscrimination. What if you have genetic predisposition to being obese or high cholesterol or Something Lik