And switch. A Top Health Care advisor for the president does a big flipflop on one of the laws biggest. Breaking up can be hard to do especially running a small business. How do you make your business succeed when your marriage fails . We have answers. If you think the airlines are screwed up wait until you meet the man who flew home alone on an empty plane. All that and more on the willis report, where consumers are our business. Gerri we begin tonight with your tax refund. For the past few years you probably know the irs has had delays processing tax returns right . And therefore your refund was late. Were attacks season once again. This year when will you get your refund check . Will it be on time . Lets get answers from the resident tax expert, dominic tavella. Great to have you here . The irs is saying were on time. Were starting january 20th. You get your return into us then. How fast can i get that refund check . Lets start with, there is a hoax, a falsehood on the internet, god forbid, it is all true, read it on the internet, says that the irs is not sending out refund until october 15th of this year. Gerri october . That is completely false. The irs is denouncing that it will not happen. Realistically if you do it correctly, expect refund, filing early 10 to 15 days. Gerri 10 to 15 days. It could happen even quicker. There is detail here, right . It is not just filing but filing electronically. It depends. It depends. There are three criteria here. Gerri doesnt filing it on line make it faster . Heres the fastest way to the got refund. You need to file online. File electronically. If you use a paid preparers in todays environment almost all paid preparers file things electronically. That will speed up things. Second how you want your refund, if you want it electronically deposit, quarters. Do you want your refund automatically deposited in the Checking Account quick right . If you want a paper check, it has to get mailed out. The snail mail delivers it to your house. You have to deposit it. Wait for it to clear. The third criteria, are you going to file early at the end of february, or are you going to file april 15th . Big, big difference in from a timeline. Gerri earlier you go, the better off you are. Earlier. Gerri when do people start getting w2 . This is sign of caution. The irs is saying january 20th, were ready here, lets go. You know what if you have a w2, simple, no dig deal, go ahead and file. If you have a brokerage statement, other Financial Statements you cant really file. You have to wait for those documents to come in. Gerri that stuff comes in late. Always comes in late. In some cases, march is ath, okay . 15th. You cant file if you want to. Here is the kicker, because of tax law changes most of these had to be corrected. You got your 1099 january 30th, all of sudden month 1 2 later you have to corrected one in the mail you have an amended tax return. Gerri one of the reason forms are late, obamacare rules. It was super complicated. It changed everything. It changed everything with your broker. It changed the irs. In all fairness to the irs, the last two Years Congress and the president changed tax laws at last minute. They had to go in to change all their systems, their forms, the preparers. Tax software had to be updated. All of sudden everything was on hold. We think this year should go further. We still have to deal with obamacare. Gerri any sign maybe audits will be down penalties less . Is there any good news out there . I dont know if this is good news, but the commissioner of irs testified in front of congress, because they now are responsible for helping to comply with obamacare and, congress cut their budget 350 million. Theyre claiming theyre not going to have auditors or enough extra overtime to go out there and do audits. So there could be a sideeffect of Congress Cutting their budget there wont be as many audits going on. Gerri something to look forward to. I know you will have a busy season. Great to see you. Have a great day. Gerri all right, just a reminder for you out there thinking about tax filing season, dont get a refund. Youre giving a free loan to uncle sam. He doesnt pay a dime in Interest Rates right . I do it too. We want to know what you think. Here is our question tonight. Are you expecting a tax refund this year . Log on to gerriwillis. Com. Vote on the righthand side of the screen. I will share results at end of tonights show. Tomorrow were going straight to the source and talking to h r blocks president and ceo bill cobb about tax season. You wont want to miss that. Taxpayers not only ones getting the squeeze tonight. Oil drillers responsible for Americas Energy boom are getting flooded out of the market by who . Nobody else but opec. Prices plunged overnight to 44 bucks a barrel after opec continued a price war with the u. S. And refused to cut back production. Can u. S. Drillers survive these low prices . Were asking Phil Flynn Senior Energy Analyst for the futures, Price Futures Group that is and a fox news contributor. Phil always great to have you here. Seems like every day im reporting another sixyear low on oil prices. It just goes down, down, down. Right. Gerri why is opec going along with this . Why arent they trying to manipulate the market to get prices to go higher . I think you hit the nail on the head in the intro. They want to bury the u. S. Shale producer. It is funny that theyre not even trying to hide that fact. There is no politically correct talking about it. Not only saudi arabia made it very clear they will continue to pump oil. Theyre going to maintain their market share the United Arab Emirates basically came out and today said listen guys, we can do this a lot longer than the u. S. Shale producers. Were in it for the long haul. Well do it five years. Lets see if you can. Gerri there is fallout obviously for American Produce is. Were losing jobs. Shell slashing five to 10 of jobs. Rigs down to 2010 levels. At what point does our production go down overall in this country. Believe it or not it will not happen this year because there are a lot of rigs in the ground. Well actually see production this year exceed last years levels. The sad part about it, it should have exceeded it by a lot more. The demand growth should have been there. And if you look at whats happened, it is really doing some longterm damage to the economic recovery because once the economy gets going they will be looking for more oil supplies. It will be harder to find with the cutback in u. S. Production. Gerri you think it is hurting the economic recovery now . I think it is. I mean gerri arent we seeing this, the impact of lower gas price on our bottom lines not just in households consumer households but also for companies . I definitely see that is a shortterm impact but definitely hasnt filtered over to the stock market, has it . It has not inspired confidence. Weve seen a lot of volatility in this marketplace even though we get a shortterm economic boost from the lower gasoline prices, you know, the last time prices fell like this, it was signaling the Great Recession back in 2008. Gerri right. And when prices fell then it didnt, it didnt put more money in our pocket but it didnt save our jobs. That is the concern here. Listen, as far as im concerned about this price war, it was a sneak attack by opec. They came up, almost like in the middle of the night, they attacked their producers. Were taking a lot of casualties. We had the first bankruptcy of a shell firm. Could be more. Banks are freezing up credit. I think this is their last hurrah. If they dont win the war opec, i dont think they will over the long run, i think this is their best chance to control the market. I think theyre going to lose but before the war is over, it will be a long and dirty fight. Gerri interesting. Prince alwaleed telling our own Maria Bartiromo that we will not see 100dollar a barrel prices again. Regular average gallon of gas 2. 12 in this country. Phil, thanks for being with us. Good to see you sir. I will fill up. Thank you. Gerri we have more to come this hour including how our willis report cash challenge is helping a couple go on their dream vacation. They saved up for it the hard way. Next remember the white house used importance of Preventative Care in its sales pitch for obamacare . So why is the obamacare czar advising people to skip their annual physicals . Details coming up after the break. Im louis, and i quit smoking with chantix. I told myself for so long that i needed to quit smoking. I would quit then id go right back to it. Chantix absolutely helped me quit smoking. Along with support, Chantix Varenicline is proven to help people quit smoking. Chantix helped reduce my urge to smoke. Some people had changes in behavior, thinking or mood hostility, agitation, depressed mood and suicidal thoughts or actions while taking or after stopping chantix. Some people had seizures while taking chantix. If you have any of these stop chantix and call your doctor right away. Tell your doctor about any history of Mental Health problems, which could get worse while taking chantix or history of seizures. Dont take chantix if youve had a serious allergic or skin reaction to it. If you develop these stop chantix and see your doctor right away as some can be lifethreatening. Tell your doctor if you have a history of heart or blood vessel problems or develop new or worse symptoms. Get medical help right away if you have symptoms of a heart attack or stroke. Decrease alcohol use while taking chantix. Use caution when driving or operating machinery. Common side effects include nausea trouble sleeping and unusual dreams. Im not worried about smoking my next cigarette. To me that feels great. Ask your doctor if chantix is right for you. Gerri if youre one of the who made a new years resolution to be healthier this year, you may be one of estimated 45 million americans will head to the Doctors Office for annual physical maybe january, maybe february. But now a key architect of obamacare challenging that idea saying, in a recent New York Times op ed naturally, not having my physical is one small way i can reduce Health Care Costs and save myself time, worry and a worthless exam. Worthless . Dr. Kevin campbell joins me to discuss. So the guy who advised obamacare believes that annual exams are a bad thing. How can this be . You know it is interesting. When he was pitching obamacare he said that every american need access to an annual physical exam and it should be for free. Yet now he is saying based on a database study from 2012 that they dont make any difference in mortality. Gerri but, isnt it all about Preventative Care . If i see a doctor once a year he might tell me about things that are going wrong with my body i can try to work against lose weight, eat healthier . My goodness, seems ridiculous to suggest that people shouldnt have a relationship with a doctor that they see on a regular basis . That is spot on. Gerri, we need to have a relationship with our doctors because, dozens of studies have shown when we engage with our Health Care Provider and engage in our Health Care Outcomes improve. Annual physical exam is time you meet with the doctor, set goals for the year and decide what things you will work on together to better your health. Gerri oh, my goodness that is appalling, all that working together and actually spending money. He is worried about overdiagnosis, too many tests that are prescribed by doctors overtreatment and costly tests but isnt that what health care is . You give us tests to make sure were okay . So what i always teach medical students and residents that work with is just because we can doesnt mean we should. Meaning that if we have a good reason to order a test based on my conversation and physical exam with you at that annual physical well order that test. I dont like the idea of just shooting a wide net of random tests to see what comes back. Gerri i think a lot of doctors do it because theyre worried about getting lawsuits. They want to rule out absolutely everything. I mean, i think what Ezekiel Emanuel is saying is ridiculous but how do we stop aing for those tests we really dont need . I think as a patient you have a right to understand what your doctor is thinking about, why theyre ordering what theyre doing and most important question, you need to ask doc if we do the mri how will it change the way you treat me . If it cant answer that question maybe you need to. It shed tell you go to the left side or right side of that crossroads based on that test. Gerri give me idea of screenings that would be normal and useful. I think high Blood Pressure screening. Checking your cholesterol every year is a reasonable thing do. I think if you have a family hit of diabetes or other types of problems like that, taking a blood chemistry. Not just ordering tests to order test like chest xrays and things like that. Maybe sure there is something on physical exam and the history that will lead to you treat the patient differently. Gerri im sitting here thinking Ezekiel Emanuel in another place, says he wants to die at 75 had a good life. Might be good for him. Maybe the rest of us dont want to play along right . Exactly. It was interesting he wrote another op ed in the atlantic last year and he was comfortable dying at5. Was no longer going to the doctor, get immunizations and get flu shots things like that. That concerns me, here is a guy who drew up obamacare along with gruber, and now saying we shouldnt take care of folks older and more money. Gerri check back in with him at 75. Well see how he doing. Thank you. Richard cordray director of the Consumer Financial bureau here to talk about the cfbs new tool to help buyers find the best mortgage rate. The price after uber ride can ride up to seven times the normal fare. The company says this is a good thing for consumers. Well find out why. We want to know what you think. Tweet me gerriwillisfbn. Or go to our website, gerriwillis. Com. Well be right back. If youre taking multiple medications does your mouth often feel dry . A dry mouth can be a side effect of many medications. But it can also lead to tooth decay and bad breath. Thats why theres biotene available as an oral rinse toothpaste, spray or gel. Biotene can provide soothing relief and it helps keep your mouth healthy too. Remember, while your medication is doing you good, a dry mouth isnt. Biotene, for people who suffer from a dry mouth. Want to know how hard it can be. To breathe with copd . It can feel like this. Copd includes chronic bronchitis and emphysema. Spiriva is a oncedaily inhaled. Copd maintenance treatment. That helps open my airways for a full 24 hours. You know, spiriva helps me breathe easier. Spiriva handihaler tiotropium bromide inhalation powder does not replace rescue inhalers for sudden symptoms. Tell your doctor if you have kidney problems, glaucoma, trouble urinating, or an enlarged prostate. These may worsen with spiriva. Discuss all medicines you take, even eye drops. Stop taking spiriva and seek immediate medical help if your breathing suddenly worsens your throat or tongue swells,. You can get hives, vision changes or eye pain or problems passing urine. Other side effects include dry mouth and constipation. Nothing can reverse copd. Spiriva helps me breathe better. Sfx blowing sound. Does breathing with copd. Weigh you down . Dont wait ask your doctor about spiriva handihaler. Gerri uber, you know uber theyre growing in popularity and controversy. The price for the car service can skyrocket during times of heavy demand. Uber is defending their price, surging price, saying it is good for consumers especially in cities like new york where cabs can be hard to get sometimes. With more on this new york councilman, david greenfield. Great to have you on the show. So i want to read this quote from uber the car service which can pop their prices up. I mean we say seven times but more than that. Just based on demand. Here is what they say. Ubers dynamic pricing model benefits consumers and drivers. Do you agree with that . Benefits consumers if you like to get ripped off. Moist new yorkers and most americans dont enjoy getting ripped off. That is what effectively surge pricing is. It is fancy word for pricegouging. Gerri a fancy word for pricegouging, we see people say we are charged 250, 300 for going across town here in manhattan. How can that be . How is that logical . It is not logical. We dont think it should be legal. If you remember the reason we regulate the whole taxi industry were trying to get at three things. We want safety, so we want cars to be licensed and make sure there sin insurance of the we want predictability. So that way when you hail a cab you know how much it will cost to get across town. And you also want to prevent pricegouging. If i walk out of the studio and say, hey taxi, take me to the airport, the cabbie says, when is your flight, he says 30 minutes. 500 bucks that cant happen. Effectively uber is getting around all of these issues where theyre using a loophole to charge you unlimited amounts of money to take you across town. Gerri here is my problem, surge pricing. You will run a service, all based on how much demand there is for your product. So the more demand, more price goes up. Dont see the model works in the opposite way which is to say it goes down dramatically. If im traviesaing at 3 00 or 4 00 in the morning, no one on the street, uber will charge a minimum, a base right . Absolutely. They want to compare to dynamic pricing. You hit the nail on the head because it is not true. For example, if you book a hotel very early eight months in ad van get a real good deal. If you wait until the last minute you get less after good deal. But that doesnt work in the case of uber. When you order the car at the theyre charging you a premium if it is surge pricing they can legally charge you in new york city up to 15 times more than they would charge for a taxi ride. Gerri wow. And, look i think uber is a great idea. I love to see on the ons do their thing but, you know, some of the stuff is just ridiculous. I want to mention as you go maybe comment on this, there was uber chopper last night at the buckeye game, the bucks and the ducks. 350 bucks to avoid traffic. Would you let that happen here in new york city . You