Their bills. Neil youd think just whatever funding youre going to have emergency or otherwise have it dont tie it or attach it to anything or put provisos on it . Absolutely not. Straight up or down vote on the aid necessary to make sure the people in houston not only can get through this first period but i could tell you from the Hurricane Sandy period that if this lasts for a while afterward s then the rebuilding on the people are going to need to get their areas back to what it needs to be. Neil well gary says hes right also here charlie gasparin o, ben stein and charles payne, jerry willis off this week so gary, your view is do it get the aid out there, dont start quibbeling about it. 300,000 people have applied for aid, neil. 80 of homes do not have Flood Insurance. These people need help and they need help quick. You do a standalone bill, two words standalone. Though disclaim turpitudes no caveats no nothing get the vote in get the money out, if you need to do it in tranches fine just make sure the upfront is big enough to help people out. They need it and they need it quickly. Neil what concerns people in these type of situations is adding things to the spending that go way beyond Hurricane Relief. The thinking seems to be thats going to happen again here but so be it. Were in such a politically charged environment and both parties incredibly unpopular with the american public. Congress has about a 15 Approval Rating 75 disapprove of the job theyre doing because they can anticipate what might go wrong with this, and its not fair to give the survivors of the storm the obamacare version of aid. You know, they really need something and i think roy blunt was right when he talked about incremental health. Instead of one giant package that can be tied to Something Like healthcare or the debt ceiling, do it in say four chunk s like they did in joplin, missouri for the 2011 tornado that hit there and Something Like that where you can see exactly what is needed and surgically congress is capable of doing that, deploying that money. That would be much more helpful and gary is absolutely right. Dont tie it to anything. No pork, no other projects, dont politicize this people already hate you enough Congress Neil ben stein what do you think . [laughter] i think just if people need money give them money. Im not exactly clear why it is is that the ordinary taxpayer has to help people where they arent smart enough to buy Flood Insurance but assuming were going to just forget about that issue, yes, just give them the money. Where it ends with just giving people money im not quite sure. Neil you know i dont think you can be against helping out texas right now. I mean its a horrible situation and they need obviously a bridge loan so to speak right now and they need from the federal government and it should be handled as a bridge loan. We give it to them and we worry about the stuff later but ben makes a really good point here in this that there is a degree of moral hazard thats always created with these bailouts. Im not being cold here but it is. We throw money at it and then people move back in these zones, these areas which continually get hit with hurricanes and neil although this is an unusual flooding event. Well yes this is but dont tell me that galveston has never been hit. Weve had others. Galveston has gotten crushed in the past. Galveston was a bigger city at onetime because of the hurricanes and because of flooding it ceased being a huge city, so we should just point out that were creating a lot of moral hazard by offing up the checkbook. Im not saying dont do it. This is a horrible. Neil adam what do you make of that . I have a slightly different take on it which is of course, charlie made a good point. No one is going to say no dont help these people but of course charlie is right about the moral hazard of doing that but this points i think this highlights the fact that we tend to forget the other four and a half years or 10 or 50 years that things like this dont happen. There is only one entity that can come in and help at a time and thats the federal government and were all glad that the federal government can do this now and yet so many people bad mouth the federal government for all of its faults , all the time and say dont spend this, dont spend that. And yet were glad we can do it now. But to that point, go ahead. I just want to make a quick point about that because we know that the best assistance comes from local organizations and local government and the problem with this massive federal aid package which obviously they need the money now. These are people who could never have anticipated Something Like this deci mating their lives on so many levels. Theres no doubt about that but in the future, the reliance on that massive federal government check means that states counties and cities dont have appropriate Emergency Response if they are that reliant. Neil i totally agree and that argues for good long term planning, for good policy, for a good conversation between the parties, between local and federal government, but it also argues for maintaining the power of the federal government to step in when it needs to. Adam lets be real clear. I know youre trying to tell us that Big Government works and we should all the time. No no no fair point. Fair point. Listen, theyre good, the federal government is really good at the armed forces i dont think the federal government should be in local law enforcement. Fair point. And there is a Common Ground here and thats whats going on here but i will say ben stein made a really good point before. We have created moral hazard. No consequence to risk. People are going to move back into these areas once they get their money and guess what in 10 15 years the same thing could happen. I totally agree with you we should discuss that as a country neil well, okay, but we should also be asking why it is that here in California Homeowners get letters saying you absolutely must buy Flood Insurance. Why didnt these people get these kinds of letters from the state of texas or someone saying you must have Flood Insurance . Well i was surprised of that ben in you would think their mortgage holders would demand it or else they have a mortgage on a property. They certainly do in california. Well thats one thing you guys do better just one. Neil well you know, im along with you on this notion you talk about aid its got to get there whether you do it in tranches, that might be the better way because you can make better sure the funds get to the deserving entities and quickly but you are going to get money to the same people who ignored the calls to get Flood Insurance and they will get the same amount of money presumably as those who did have such coverage and im wonder wondering whether that kind of in discretion is something that will come back and bite taxpayers what do you think . Well look when you use the term federal government were talking taxpayer. Thats who pays for all of this and as far as these people that did not follow i dont know if its the rule of law or just something they should have done. You do it better next time. Look these are outlier events. They dont happen very often, but when they do happen, there is somewhat i dont know if you call it a call of duty but we as americans all in the United States should gather around and try to get something done but these people need to help and i get the point about moral hazard so here is what you do. The state the city the mayor, you get together you see why it didnt work why 80 of the people does not have Flood Insurance that make sure the next time its a different story neil i wish we had more time unfortunately we dont in meantime Home Depot Cofounder telling me that because of everything going on in texas now is not the time to be talking tax cuts, for anyone, but someone here says now is exactly the time. Liberty mutual stood with me when this guy got a flat tire in the middle of the night, so he got home safe. Yeah, my dad says our insurance doesnt have that. What . you can leave worry behind when liberty stands with you™. Liberty mutual insurance. You know win control . 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Everything we have and lets get it done means we cant cut taxes, we cant cut taxes. Neil you are saying just to be on the record that now is not the time to consider tax cuts correct . Absolutely not. Get it done. Get these people the help they need, if theres anything left over for tax cuts we get them but first things first. Neil all right Home Depot Co founder and by the way a billionaire decides laying down the hammer saying now is not the time for tax cuts. He doesnt need them want them doesnt think we have any room in the budget to allow them. Gary, you are just the opposite. Now is the perfect time right . Yeah, and i also argue you go back to the reagan years when they did major tax reform and tack rates from the 70s down to the 20s. Revenues sky rocketed so you had all of the money you wanted paid for itself 10 times over the big issue has spending has increased like crazy throughout the years. The bottom line if not now, its never going to happen. You only have great opportunities and republicans have one right now as they have everything they own everything and if they dont do it now, come 2018, its going to be divided again and nothing. I really am. I think that its so insensitive for ken lingo to say that and the differences whats going on in texas and louisiana is a stabbing pain. They are in immediate crisis and fighting for survival. The rest of the country has been experiencing a dull ache of this chronic pain since 2008 they deserve relief from that. Yes the types of pain might be completely different but one doesnt negate the other and if theres too much spending going on if we cant handle tax cuts and Hurricane Relief at the same time, then that is an utter failure of government. Neil ben stein youre in that camp because certainly the rich dont need a tax cut and true enough it looks like you wont be getting one so you should be happy. [laughter] neil but what do you make of what hes saying in the aggregate that now is not the time period to discuss them because weve got all of these pressing needs . Well, the sad fact of the federal government is so enormous and the federal deficit is so enormous that if it passes out in transit over the next year or two its not going to even make any difference its hardly going to be noticed if its a hundred billion or 120 billion its hardly even going to be noticed. I think weve got to get them the money now and again with the caveat about the moral hazard for the next time but weve got an awful lot of other things we have to do now too. We cannot be worrying about a tax cut this year or tax cut next year. These people are in desperate shape right now but neil you agree with him . I do not, no, i do not agree with him. I think we need a tax cut now to get business going. Neil okay. Especially get rid of the Corporate Taxes. Neil just not for the rich guys like yourself . [laughter] yeah. Or like you . What do you think . You know, listen. I have enormous respect for ken as i do warren buffet. Neil what about ben . Yes. Ben is going to start clearing his throat when he hears what i have to say. Neil [laughter] but these rich guys are you going to argue again . These rich guys neil, like really rich guys like buffet when they talk about taxes its like you know, they lost all concept of reality. Theyre so rich they dont understand what it takes now to start a business and lets be real clear. One of the reasons why we can pay for this and one of the reasons why our budget situation is because we have a great economy when it comes down to it i talked to Bernie Marcus about regulations now and Bernie Marcus has been on the record saying he doesnt think he could start home depot now so if we dont get the economy going guess what we wont be able to pay for this stuff and ill tell you ken langone and warren buffet are losing it on this stuff. Theyre so out of touch. Neil adam you could argue that whatever you make of this we just improved the odds for a couple of things, not only a tax cut that looks more doable than it would have before harvey and postharvey the likelihood of Government Shutdown is virtually nill, so maybe those are two constructive developments what do you think . I agree on the latter. On the former the political situation is going to be every bit as difficult once they actually write a bill which they havent done and so i actually, however, agree with something kennedy said. You dont let Something Like harvey affect long term policy. If a tax cut is a good idea, and im going to shock you neil, i think the Corporate Tax cut is a good idea, and is something that should be looked at, then you work on it and you neil by the way that isnt such a shocking revelation of your party. Liberals have that style so dont act like that. Well all of the Silicon Valley friends of his that want a Corporate Tax cut right adam . All you liberal Silicon Valley friends . Neil to be fair there is an openness to that so adam you think the tax cut thing this will go through . No, i think its going to be very difficult to go through. I think its the right policies to pursue despite harvey. Neil meanwhile coming together at a time and need the people of texas are lifting each other up. Is it time for politicians to look at that and in watching the exact same oh boy. Looking for adventure this labor day . Holy smokes. Oh man, thats pretty intense. Look no further than chevrolet. This is a fast car. I feel like i left my soul back there. Wow. This has power head to the chevy labor day sales event and ride out the summer in a new chevrolet. Current chevy owners can use labor day bonus cash to get a total value of eleven thousand six hundred dollars on this silverado all star. Or, get 0 financing for 72 months on all tahoe and suburban models. Find new roads at the chevy labor day sales event. Rethink your allergy pills. Flonase sensimist allergy relief helps block 6 key inflammatory substances with a gentle mist. Most allergy pills only block one. And 6 is greater than one. Flonase sensimist. There were no republicans no democrats, just texans trying to help other texans and we think thats what its all about. Im just grateful that the Community Come together, no race , no color, no prejudice any kind of way. Just willing to help. Neil the president returning to texas today where he will witness firsthand the citizen army youve heard so much about that as one neighbor helping another. Charlie gasparino, perhaps theres a lesson in that for all of us. The American People are resilient. I lived through 9 11 in new york city i saw it firsthand. We saw what happened during sandy. For all of the crazy marchs of neonazis and all these other people, most American People are good, strong resilient and thats what makes this country great. Theres really nothing else you could say. Neil its just amazing to see again and again, people take it upon themselves to do stuff that we normally see the government doing or expected times. Well theyre neighbors. It really brings tears to your eyes. A good friend of mine is a priest in houston and his family had to get out of their house. They have a newborn baby and four young kids had to get out on a kayak and the priest went back neil a priest and new young baby . Greek orthodox, but he said he had the most beautiful quote ive heard. He said in this storm, youll see the face of god, not in the rain but in the neighbors, helping each other and going out of their way to make sure everyone they know is taken care of. Its beautiful and makes me think texas is a wonderful place and im considering moving there neil the cajun army and those from louisiana who remember to a man and woman what texans did for them a dozen years ago played out and again and again didnt it . Yes and whats so wonderful weve had two events recently, one benign event the eclipse where people came together as mentioner and watched this bond russ thing and now this tragedy where americans are coming together and it is nice to take a moment to remind ourselves of how good we can be. Neil i always worry though ben stein how long it lasts, the goodwill that obviously is there in us and its in our dna but then our politicians can sort of revert to their normal mean means and i worry how long that lasts. Lets hope it lasts a long time. This has been a miracle. The material loss, the loss of life has been a catastrophe and a genuine human tragedy but we just have human beings helping other human beings. This has been a miracle in terms of what this country can do and what it is at its best. This has been a genuine landmark in terms of the human spirit in the United States of america. Neil you go, gary we touched on we always talk about the greatest generation. I always like to remind people that there are fathers and grandfathers, mothers and grandmothers so its in our dna to be this way to act this way. We just saw it here, right . When the going gets tough, the tough gets going. You know, neil people are going out to risk their lives for others that they dont even know not only are they risking the lives of the people they are risking their lives for animals and taking dogs off the top of cars and horses and cows on top of that you have people like jj watt goes online to raise 200,000. That was his goal and its going to be tens of millions. Neil amazing. This is what america is all about. Neil guys i want to thank you all. Especially to kennedy and charlie meanwhile Stocks Holding steady as america gets tested. Steady as america gets tested. Lessons from that, after its a highly contagious disease that can be really serious. Especially for my precious new grandchild. Its whooping cough. Every family member, including those around new babies, should talk to their doctor or pharmacist about getting vaccinated. If you could book a flight, then add a hotel, or car, or activity in one place and save, where would you go . Expedia. How much money do you think youll need in retirement . Then we found out how many years that money would last them. How long do you think well keep oooooohhh you stopped youre gonna leave me back here at year 9 . How did this happen . It turned out, a lot of people fell short, of even the average length of retirement. We have to think about not when we expect to live to, but when we could live to. Lets plan for income that lasts all our years in retirement. Prudential. Bring your challenges. Resilient stocks for rough times, gary. Caterpillar went through rough times for a couple ofors and theyre kicking in gear. And i think the stocks will continue to go higher. Neil adam. Slf, a basket of stocks. Weve had financial crises before, and were not in one now, thats resilience. Neil ben. Spdrs, buy an index of america, youll do fine. Neil profitable advice andsisi more now. With President Trump set to touch down in texas again today, were learning more than 100,000 home owners in the state are expected to file federal Flood Insurance claims. Some already are finding out they dont have enough coverage. Thats why someone here says its time to privatize the market. Are they right or wrong . Hi, im david asman. Welcome to forbes on fox. Lets go in focus, with elizabeth macdonald, john tamny, bruce jansen, folks against privatization say that insurers would skip by flood zones like texas. What do you say to that . Well,