Luke and ma randa won big. The entertainer of the year is luke bryant. . and money expert clark howard is here with the traps to watch out for when shopping for a mortgage. All that and more coming up on the willis report, where consumers are our business. Gerri a new book on the clintons with explosive details about influence pedaling is about to be released. Its already shaking up the 2016 campaign with senator rand paul saying, it will wreck hillarys hopes for the presidency. Joining me now town hall editor katy and National Review editor, rich lowry. Rich ill start with you. So this book really what it does it attempts to detail really selling of influence, cash for favors. In this book, clinton cash, will this make a big difference in the election in your mind . A lot of people are saying all along, its not the private email system that will be the biggest threat, it will be all the money sloshing around that foundation, which is really yes, it does some good works. But a vast clinton political machine and storehouse for clinton staff. This is the first real effort to dig into that. Well see news organizations, i believe, following up. Not because they particularly are enamored of the other side of this dispute the republicans. They just want some interest in the democratic race. Since there are no real alternatives to clinton at the moment. It will come from digging into her past. Gerri and theres a lot of past to dig into. Let me tell you. Heres what peter wrote. Well see a pattern of Financial Transactions involving the clintons that occurred contemporaneously with us policy decisions benefiting those providing the funds. Then he goes on, katy, to make to draw real examples. One of them is a Canadian Bank giving money, just as Big Decisions involving that bank were going through the state department. Do you think this will be convincing to people who might be on the fence about hillary . I think it will. Because people are looking at the trustworthiness and the honesty of Hillary Clinton. Although, the majority of americans arent paying attention to the president ial election yet you look at polling from swing states it shows that people who are in the middle dont see Hillary Clinton as trustworthy and honest. The basic question is, look did we have a secretary of state who was using the state department as a way to get donations to her Clinton Foundation . Since shes running for president are we going to have a president that can be bought and paid for by foreign governments . Thats a serious problem when it comes to the best interest of americans. One of the arguments for hillarys defenders. Look no one will care about the emails. Shes been around for 25 years. Attitudes about her are baked in the cake. No, weve seen her numbers for honesty and trustworthiness take a hit from the email hit. They could take a further hit depending on what comes out in this book and further report. Gerri there will be a lot of further reporting. The Clinton Campaign is denying to make any kind of comment today at least. And someone affiliated with the Clinton Campaign telling a reporter, its absurd conspiracy theories. Is what this all is. And yet another story in the Washington Examiner that i got a big kick out of today comparing hillarys speaking fees per hour with the kinds of fees that big ceos make. Shes out earning ralph lauren for goodness sake. The head of honeywell. Mccan hecan he . the numbers involved here. Is it hard for her to say, the 1 is terrible when she stacks up this way . Well apparently its not hard for her to say that. Weve heard her say that all the time in her president ial campaign. Her rhetoric does not add up with what the reality is. The reality is that Hillary Clinton made 136 million between 2001 and 2012 after complaining that she was dead broke and couldnt find money for certain mortgages, not mortgage. I think it will be difficult for her in a democratic primary. I think she will have some contenders, at least theyll point out something that republicans can use, her rhetoric doesnt add up to her personal behavior. It doesnt add up when it comes slamming wall street when they say shes making too much when shes making more than they are. Gerri lets hear from hillary herself on this very topic. Hillary i think its fair to say that as you look across the country the deck is still stacked in favor of those already at the top. And theres something wrong with that. Theres something wrong when ceos make 300 times more than the typical worker. Gerri all right rich. I mean, you can talk out both sides of your mouth i guess, this is what this is . Its someone who benefits from every insider advantage you can get from being at the top of the economic and political system for the past 25 years. Is it possible to make a populist appeal . Yes, we saw fdr do it. The kennedys. It requires a deft political touch. If you dont have that political touch you look like al gore and john kerry who were painted as out of touch phonies. Gerri i want to turn to immigration. This came to mind because of the story this weekend about the disaster in europe where hundreds of mi migrants were killed. The picture here. Its appalling. I wonder if the dangers of ignoring immigration issues is top of mind at this point. Ill turn to you first katy. The first thing that comes to mind in terms of the migration is terrorism. Although this is a huge tragedy. The bigger issue is looking at how people who are migrating from north africa are getting to the west and infiltrating europe. It brings up serious questions about what the europeans are doing to keep their country safe. And ultimately to keep the United States safe especially in this new threat of isis and other affiliates who have claimed they want to be allegiant to those groups. It brings up isis and terrorism. Rich is immigration something that the republicans will have to deal with this time around have something to say subjective on thissubstantive on thistopic. Absolutely. Marco rubio and scott walker are talking about common sense Immigration Reform which involves enforcement first. Not just at the border. But also at the point of employment. An everify system. Once you have a system in place that is secure and that works then you can talk about maybe amnesty on some portion of the illegal population. The sequencing is important. Both marco rubio and scott walker have sort of gotten that and i hope other candidates follow them. Gerri 4 Million People waiting to get in line to do it the legal way to get into this quun country. Thank you for coming on. Thank you gerri. Gerri now we want to know what you think. Do any of the president ial candidates excite you . Log on to gerriwillis. Com and vote. Ill share the results at the end of tonights show. Heres something that will excite at least travelers. Get this, airfares will be lower this summer. You heard me right. Lower, not higher. Just a little bit. Down a whopping 2 and 1 penny. Lee, welcome back to the show. So really . So input prices into your average ticket for traveling on an airline. 98 is really the cost of oil gas energy. Right . It goes down 60 . We get 2. 01 back. Thats the way that works . Its really embarrassing. A lot of what happened with airlines, theyre making so much money. Posting record profits. Saving so much over last year with the price of oil. They dont pass any of it oh, im sorry, 2. 01 to the consumers. Gerri this depends on where youre flying. Some flights are cheaper than others. Some flights this year will be cheaper. To certain places like new york and San Francisco or london or to some of the big airports in germany theyll be more expensive. Flying to hawaii will be a little bit cheaper. Why hawaii cheaper . Its so far away. It seems it takes more jet to get there. There are more seats flying to hawaii than before. Theyre jamming seats in. Gerri the stars are aligned for a fall in airfares. More people jammed on to the planes. Right . We have that. You know, the price of jet fuel has declined dramatically but we dont get that. Why . Exactly. Theyre just being a little bit greedy. And theyre passing it over to their shareholders. Gerri shareholders first. Right. And then bonuses for employees. Then they claim theyre investing in infrastructure and new planes. Gerri you know, i dont begrudge any company and their profits. I really dont. But i think consumers look at what theyre doing and say, this doesnt sound right. It doesnt meet the smell test, i guess. Looking forward, what is the balance of the summer in terms of airfare . Theyre down in some places. If you want to fly to europe, this is probably the best year to do it. Because of the decline in oil prices and the euro. Youre getting more for your dollar. The airfare wont excite you. But the cost on the ground is definitely lower. These airlines are getting billion Dollar Savings on jet fuel prices. I want to turn to Customer Satisfaction poll. Jetblue leading the way. Why . Well, jetblue offers free directv to fliers flyers. Its still considered a discount airline. I disagree with that. Gerri i know. People talk about it being a discount airline. When you look at the prices, you think, how is this a discount . Its super annoying. Theyre not really cheaper. Ive flown ten or 15 times, the Customer Service is not that good. Southwest is probably the best domestic airline. Gerri you dont even Like American Airlines of any sort. I hate them all. Gerri so at the bottom of the list. Allegiant. Frontier and united. I would rather walk than fly spirit air. I refuse to fly them, period. Theyre the Worst Airline in the world. Gerri youre a cranky traveler. Youre so cranky. I tell it like it is, gerri. Gerri im all about that. I guess we wont get on airlines for not sharing every single last penny with us, but it hurts a little bit. A lot more coming this hour including a look back at the academy of Country Music awards. How do you do that . Clark howard. How to avoid getting caught in a mortgage trap. Gerri we want to alert you tonight to some shady mortgage tactics out there. There are crooks who are impersonating Government Agencies and using baitandswitch tactics on mortgage rates. How can you make sure youre getting a good deal instead of getting duped . Clark howard, the consumer expert of the clark howard show. Clark, welcome back. Good to see you. Theres a big debate in our offices about whether these are legitimate who are not living up to the standards they should or whether theyre just bad guys impersonating the government trying to get business that they have no intention of handling fairly. Clark so i use the term shady for people like this. Theres the difference in the debate among your crew. Because, yes, they may originate a loan for you. Are they doing what they promise when they solicit . No way. And there are certain warning signs that you have to be so aware of when youre shopping for a mortgage. Number one im getting a lot of mailers at my home. There have been a number of actions against lenders who use federal logos on their loan solicitation. Theyre cleverly worded that make you think theyre from the fha or va or some kind of official Government Organization to you. Thats an automatic tipoff that someone is playing a game. But the bigger hassle im worried about is when a lender makes a deal offers a deal to you, either by mail or on a website they solicit you in with a great rate, and somehow when you go to get that great rate, its never there. And its all about trying to get you to call. Gerri any homeowner can relate really to both those situations. This issue with the letterhead fha, often they say you can be part of a program that the federal government is offering that will help you save money on your mortgage loan. In fact, maybe the Program Never existed. Clark right. Gerri theres some of those. You have to make sure youre dealing with someone reputable out there. If you see this logo dont Pay Attention to it. The likelihood is that these guys arent any good. They know that. People have been fined for doing that. Clark so heres the real problem in the mortgage market. You have the shady characters. Even when youre dealing mainstream most people only get a quote from one lender, whether theyre doing a refi or theyre buying a home, they never shop around. People will shop store after store to get a tv. Theyll shop store after store trying to pick out the new cell phone. This is a mortgage the number one expense youll have in your life. So to stick with one quote from one lender. Gerri its crazy. Clark i know its annoying to do it though. Gerri how much are you talking . Tens of thousands of dollars in your lifetime. Maybe more. Because you end up paying so much in interest fees over a mortgage loan. If you can decrease that a little bit, its a winwin for everybody. Right . Clark except for the lenders who hope you stay in more expensive loans. If you get multiple loan quotes, you can put one lendner competition with another. Lets say one feels like thats who you want to work with. But their rate is higher or the cost to close the loan is higher. But you have a bona fide lower quote from someone else go to the people you think youd like to work with, tell them what you found youll be surprised how often theyll match it or beat it a little bit. Gerri we have, of course the good will estimate out there. Theyre supposed to tell you up front an on target estimate on how to close those loans. Exactly. Get your good faith estimate. The most important thing. Youre just competing with was with your. Call the one person your Real Estate Agent told you to call. Whoever wrote your last loan. If you dont shop around, it doesnt matter what disclosure they give you youre leaving big money on the table. Gerri clark to save you money. Doing a good job at it. Thanks for coming on. A warning about rising gas prices. And another unintended consequence of obamacare. This time involving hospitals. One surgeon gives us his firsthand account coming up. Gerri medical mistakes are the third leading cause of death in the us and according to to my next guest neither hospital error rates or costs have gone down. Obamacare isnt helping things. Here to explain the author of unaccountable what hospitals wont tell you and how transparency can revolutionize health care. Dr. Marty. Thank you for coming on the show. Great to have you here. Lets start with some of these problems inside hospitals. People getting harmed by medical mistakes. People getting the wrong operations on the wrong side of their bodies. How is this continuing . How can this go on . Well, you know, its a problem thats been over the radar because the National VitalStatistics Department doesnt track medical mistakes as a cause of death. Its the third cause of death. The number one driver of the cost crisis in health care is variations in quality. And unless we get a handle on this problem we wont reign in Health Care Inflation. That Health Care Inflation directly gets passed on to everyday americans. Gerri it sure does. Taxpayers pick up the tab, thats for sure. You say we have a Health Insurance tax crisis and that hospitals have gained monopoly power. Thats contributing to the issue. Explain. Well in the research that ive done for this oped in the wall street journal its clear that some hospitals have monopoly power. And now hospitals normally compete for the business of a Health Insurance company. When theyre the only show in town they call the rules and set the prices often much higher. Those prices can only get passed on directly to the beneficiaries of the Health Insurance plan. Theres nothing else the Insurance Company can do except pass that on in terms of higher premiums and higher copays. Gerri so i understand why prices are higher and how hospitals are controlling them. But does it also impact care . Well, i think so. Theres only one monopoly power the incentive to innovate or bring in best practices i think is diminished. Also do we really want a few corporations controlling cancer care for half of americans. What if they dont like a certain new medication or a surgical procedure or they bought a proton beam machine and they want to use it. I dont think we want a few large corporations controlling the care in the United States. Its unamerican. Doesnt promote competition. I think this country is great because of competition. Unfortunately, hospitals are going down this same road that banks were going down before the financial crisis. Gerri i remember in obamacare theres something called Accountable Care organizations. Is this making this trend towards consolidation happen even faster . You know, its a big misinterpretation that we should form these massive monopolies. Its encouraged that we should have Accountable Care organizations in the law but its been sort of misunderstood to say, hey because of this regulatory fear lets consolidate and theres more power in numbers. And whats happening were creating these massive conglomerates of hospitals. In rural areas where theres only one Hospital System for the entire half of the state, prices are going up. Its a concerning trend. Its really a misunderstanding of what an aco is. There can still be good competition and have accountability within a set of hospitals. Gerri the other story the journal had today was that hospitals were abandoning rural areas which is truly tragic. Mart would he, wouldmarchty well leave it there. . 119th boston marathon. Ethiopias racer won his second race. He won back in 2013 just hours before the bombs exploded at the finish line. All along the 26. 2mile route around a million spectators cheered on the 30,000 racers. Many sa