Rogen, james franco. Huge stars. . theres two categories the Social Security information. Then the hollywood information which is more affecting their personality and their perception. How much money theyre making. We know seth rogen made 8. 5 million in the movie interview while james franco made 2 million less. In hollywood, for some people, thats more damaging than their Social Security numbers getting out. Gerri you make a good point. Look at this list that might be a badge of honor actually. Gerri thats funny. So health information. This is my question for you, scott, and this is whats driving me crazy about this story. If my only the only thing was i went to work that day, and the then the bad guys have every piece of information i have, can can i sue that employer . Why arent they protecting me . Yeah. Look, ive said for a long time, this isnt just a problem for retailers. This is a problem for Companies Large and small across this country. And the fact of the matter is that when you go to work, youd like to think your information is safe. But i think suing will be difficult because the real question becomes, even if your information is out there, have you really suffered any damage or is that damage speculative, and thats where these cases have sort of run into a concrete wall. I wouldnt get too excited about people suing right away, but i would tell employees that are steps they ought to take to get out in front of this and try to protect their information. Gerri we will get to those in just a second. I think whats funny about this story. I dont mean to be mean, but these celebrities go through Great Lengths to keep their information secretive. They always hide on the street. This blows a hole through this. Documents leaked, for example, people inside Sony Pictures slamming adam sandler who may be the darling of sewn Sony Pictures. Not according to every executive there. Gerri let me read that. We have that. Theres a general this is from an actual sony employee, as i understand it. We continue to be saddled with the mundane formulaic adam sandler films. That wasnt supposed to come out. You guys will feel sorry for adam sandler. Gerri thats a very good point. Thats more damaging to his career than his Social Security number being released. Its about the reputation. And it really in hollywood, probably want nude photos released than this. Gerri scott, you say, this company could never they couldnt possibly be held accountable for this. They got this information just lying around open on the computer. A list of passwords called passwords. I mean. Right . Dont tell me youre going to give me credit monitoring. That wont make me happy. The horse is out of the barn there. Right . You have to protect these people. You know, gerri, it depends on the information youre talking about. You know, as you said in the intro to this piece, part of what has been exposed is personal information. I think the company could be held accountable. Obviously the office of civil rights will make that decision depending upon what they found. And whether the appropriate safeguards were in place. When it comes to other information, the employees may have a tougher case unless they can really prove that theres been some kind of damage other than the fact theyre at a heightened risk for identity theft. Gerri lets get to that other issue that you can answer too, scott. Which is this idea sony is out there trying to pull this information ouoff the internet which is laughable. You say they may actually have a claim to that. That can be done. They have a legal right to do so, why . Yeah. Look, theres no question its out there. The cat is out of the bag. As people like to say. When that stuff is on file sharing stuff. It will be hard to claim. The fact of the matter, that material, the five films want released and whatever else is out there. Thats protected by copyright. And sony will have opportunity to go after people on the theory that their intellectual property has been violated. I expect they will be very vigorous and very aggressive at doing that. Gerri david, i have to ask can you. What does this do to sony. Yeah. Theres paramount out there. Twentieth century fox. What makes sony so different that theyre not as vigilant about their security. It definitely a lot of angry agents in hollywood making calls. Gerri oh, my goodness. Thats a good point. A lot of heartburn on this. Gerri great job. Appreciate your time. Hey, thank you. Gerri now, we want to know what you think. Heres our question are employers, are they playing fast and loose with your information . Vote on gerriwillis. Com ill share the results at the end of the show. We have a consumer alert. I want to tell you about this. If you have kids in the room. You may want to get them out. A letter from santa claus. Are you trying to get one from your child. It may be a scam, even if you paid for it. Many companies allow you to pay for a handwritten letter from mr. Kris kringle addressed to the kids. Scammers, theyre taking advantage of that. While most are legitimate, others are stealing your credit card numbers. How do you know if youre getting a real fake letter. The bbb says you should avoid a site calling for urgency that you have to jump on this deal right away. Other red flags. Poor grammer. Spelling and a lack of Contact Information for the company. And if youre still not sure, go to bb b. Org where you can find lists of the bad guys. Yoguys. Scandal around Rolling Stone magazine. Admitting it failed to follow basic journalism practices when it published a highly controversial story about a brutal gang rape at the university of virginia. In an open letter to readers, Rolling Stone is backing off the story. Peter barnes just us with more. Thats right, gerri. We would call it a retraction of that controversial story it published weeks ago about an alleged gang rape of a woman named jackie at Uva Fraternity house. The magazines managing editor said, quote, in the face of new information, there appears to be discrepancies in jackies account. Weve come to the conclusion that our trust in her was misplaced. The article, a student named jackie on september 28. She was invited to a date at a party. Lured into a room upstairs and ambushed and gang raped by seven men rushing the fraternity. The story generated worldwide headlines. Along with investigations, but it was later revealed the freelance reporter never contacted the male student jackie said orchestrated the attack nor any of the alleged rapists for comment. The magazine said today it was honoring a request by jackie not to do so because of the nature of her story. Quote, we were trying to be sensitive to the unfair shame and humiliation many women feel after a Sexual Assault and now regret the decision not to contact the alleged assaulters to get their account. We take this seriously and apologize to anyone affected by the story. In the a separate story, the Washington Post several of the womans Close Friends and campus sex awareness expressed doubt about the Rolling Stone account. In a statement, the fraternity said it had no knowledge of alleged attacks and, quote, our initial doubts of the accuracy have been strengthened as weve delved deeper into the allegations. Among other things, it never held a party on september 28th in 2012. Gerri. Gerri an amazing story. Its just really tragic that this happened. You know, its reporting 101 to check your sources. Look, this whole thing, all this reporting led to protests on the campus. Right . So what now . Well, there is an Ongoing Investigation by the sharl o Charlottesville Police department. Its not commenting on the status of the investigation. That continues. The university is continuing its own investigation. My daughter attended uva and graduated about a decade ago. Wanted to get that out there. Gerri thanks for being complete. Peter, thanks for bringing the story. You bet. 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 you to facebook me or tweet me at gerri willis fbn. Send me an email. Ill read all your comments. But first, she lost her sister due to one of takatas deadly air bags. Now, shes speaking out about the company. Stay with us. . Music Everybody Needs a helpin hand take a look at your fellow man and tell me, what can i do today hey lemme get that for ya Everybody Needs a helpin out if that aint what its all about thank you young man. No problem. What can i do today . I got it gerri and tonight, more outrage over the deadly air bag defects spanning back more than a decade. Takata still saying they are not a nationwide problem. Thats the company that makes them. Theyre shunning calls from top auto safety officials. Nhtsa who, by the way, arent saying much in return. We spoke with aaa president bob who was taking both to task. It seems pretty clear for that matter that takata is thumbing its nose at the american motorist and at the national being highway traffic administration. Our next guest has faced these deadly defects first hand. Joining me now by phone is kim. Her sister shirley killed in an accident after being hit by shrapnel from a takata air bag. Thank you for joining us. Tell us your sisters story. What happened to her. Tell us about her. What happened in the car . On november 1st of 2003, my sister was a passenger in a 2004 subaru wrx that was involved in a Motor Vehicle accident in phoenix where the air bags deployed. That night, after the neurosurgeon came out and talked to my parents. What has hit her in the head. Something has hit her to cause this much damage. Theres significant damage. You know, what hit her . Then on november 6th, as a result of the severe head injuries, we lost her. Gerri how old was your sister kim when she died . She was 24. Gerri what was she doing . My understanding she was going to take a teaching job. She had worked with teach for america and earlier that year had won an award for teaching special Needs Children in phoenix. And her and her boyfriend were on their way home, about five minutes from home when they got into the accident. It was not her boyfriends fault at all. Gerri so youre not blaming him. No. Gerri he did walk away from the accident. She was in the passengers side. And it was the deploying of the air bag that caused her death, as you believe it. Were the two of you close . Yes, she was ten years younger than me. And there were just the two of us. We were the only grandchildren on both sides. She was the baby sister i had always wished for during every birthday and every thanksgiving. Wish bone, i always wished for a baby sister. Gerri and you got one for a while at least. Yes. Gerri tell me. Has nhtsa reached out to you . Has takata reached out to you . Whats happened . During the congressional hearing that was held on november 20th, mr. Friedman from nhtsa did address me during the hearing and said that that was the first time he had heard about this and wanted further information. Now, his office has been in contact with me. Ive had a few phone calls and emails with him. Gerri so i understand that you feel like your sisters case hasnt gone attention because she was on the passenger side or, Passenger Air bag that deployed that killed her. Have you gotten anymore information . Has that changed . Is that still the case . Its still the case in a lot of ways. Its also i dont know because she was in phoenix, and thats not a humid climate like other places are that accidents have happened, but shes i dont feel like even counted in the deaths that theyve talked about or even mentioned as a possible victim just to have some kind of acknowledgment that this air bag is what killed my baby sister. Gerri its tragic. And youre giving me chills right now just hearing your story. Its so amazing. What should be done here . What should happen . Takata wont even yield to requests for a nationwide recall. Nhtsa is doing nothing. What would you like to see happen . It feels like nhtsa or, im sorry, takata isnt taking any sort of responsibility for any of this at all, that, you know, i think is step number one. Take some responsibility here. Step up and lets do something. Lets make this right. Lets do it nationwide. You know, i understand that they keep saying the data doesnt support a national recall. Their findings just regional. In the hearing on wednesday, mr. Friedman kept saying that now the data does not prove that its regional. That it should be nationwide. Exactly. My sister was in phoenix. That is proof right there that this is not regional. That this recall should be nationwide. Gerri well, you make a good point. Thats one of takatas biggest defenses. We have to keep it regional because it only occurs in humid regions. Your sisters case proves thats not true. Kim, i want to say our thoughts are with you and your family. Thank you for telling your story. More people need to know. Well, thank you for having me. Gerri and well be right back. You pay your Auto Insurance premium every month on the dot. Youre like the poster child for paying on time. And then one day you tap the bumper of a station wagon. No big deal. Until your Insurance Company jacks up your rates. You freak out. What good is having insurance if you get punished for using it . Hey insurance companies, news flash. Nobodys perfect. For drivers with accident forgiveness, Liberty Mutual wont raise your rates due to your first accident. See Car Insurance in a whole new light. Liberty mutual insurance. . n . . . Hey, jennar fuzz mike trooawwwwww scram g. Im crust mike jubby roll bond chow gonna lean up an kiss bet. Peas charty get town down. [laughter] borf a liver tute face stummy wag pow pam shabeeps stella nerf berms. Saxanay nay . Badumps a head. Temexiss gurrin. Juppa left. Fluppa jown brone a brood. What . Catch up on what everyones talking about with the x1 entertainment operating system. Preloaded with the latest episodes of the top 100 shows. Only from xfinity. Gerri well, selfemployed always face challenges at getting a margin. Mortgage. They face an uphill battle in getting a loan quote. So, rick, good to see you. Why are these folks having a hard time getting a loan quote . I think the lending industry is by the bad loans from christmases past. We had things like calleddening aloans. These were the kinds mentioned people falsified their financial wherual to get loans. Are some people now being cut off even when they shouldnt be . Absolutely. Were seeing that with convertible loans. You and i have talked about that before. With the stated income bar, its that much more difficult. Theyre starting from a position of disadvantage. They have a hard time documenting and making it very obvious what their income really is. Gerri did reforms like doddfrank and other reforms make it more difficult for these folks to get loans . Absolutely. Great point. The National Realtors less than 5 percent of the loans made last quarter were nonqm loans. So the ability to repay, which all the lenders need to adhere to requires a certain level of documentation. That puts these selfemployed stated income bar are at a disadvantage when getting a loan quote. Gerri its not just the fact that these people have difficulty showing a w2 from an employer. Thats one thing. Other reasons theyre difficult to lend to under the current rules. Again, a lot of it comes down to documentation. You need to be able to provprove definitively that the borrower can make payments on the loan. Theres jobrelated issues. Hard for selfemployed people to sometimes credibly prove that theyve been in a profession, theyve been steadily employed for a significant period of time. Selfemployed tend to have lower Credit Scores probably for business reasons. Gerri thats because theyre putting their personal money and Company Money together. Right . That creates a lot of issues. Whats your advice to these people that want a loan, but cant get it. Two basic concepts. One, you have to prove youre a lowrisk borrower so the lender is not afraid theyll get the loan pushed back to them if things go wrong. This is a good place to get help. On the first of those, make sure your fico score is as good as you can get it. Be able to point to other assets you have available. Some lenders will say offer some of those assets as further collateral against the loan. Put together a big down payment as much as you can afford. On the getting help side, one is this is a good place to work with a local mortgage broker. A lot of traditional banks arent making these loans. A lot of them are from nonbank lenders. A good broker will know where to go. If youre in business for yourself, youre probably doing business with a bank. Talk to that bank. And maybe because youre a current customer, theyll be more apt to consider the kind of loan youre looking for. Because theyll see your finances as it is. Great idea. I want to mention to folks, 30 fix rates. Below 4 percent. Thats luscious. I love real estate. And i get to tell you, now is a good time. Its a great time. Thank you for coming on the show. Any time, gerri. Gerri now to look at the stories youre looking at. A surgeon leading to a strong jobs report. The Labor Force Participation remained low at 62. 8 percent. Dow raised. For the first time. Any day now. The dollar also rose. Uber raising more than a billion dollars in its latest round of funding. The latest investment puts ubers value around 40 billion. Investors seem unfaced by the recent spate of bad headlines including privacy allegations. The company is not reported an annual profit since 2007. After not being able to find a merger partner, deal i couldndeal yus liquidatg stores. He had announced he was battling throat cancer. No evidence of cancer though they will continue to monitor his health for years to come. And those are some of the hot stories right now on foxbusiness. Com coming up next, employers hiring at the strongest pace in nearly three years. Some industries are still still struggling to find workers. If youre looking to be one of those hired, well have advice on filling the gaps in your resume. Hot advice. Youll want to