A meeting to rid syria of its chemical weapons. A judge was sentenced to a month of prison for raping a student, the teen committed suicide a month before the teacher went to trial. Up next, real money for alabama. The stock market recent run youp. Is it too late to get in on that action. And ill show what you options your Insurance Agent might be able to offer you under boom obamacare, this is real money. [ music ] this is real money. You are the most important part of the show. So join our live conversation for the next half hour using this, our hashtag aj real money on twitter. The stocks spell fo fell for thh day in a row. The investors are genuinely worried that government will shut down. Still, the s p 500 is up 19 so far this year and its only september. Still a bull market on wall street. But before you give me an earful about how all this benefits just the rich. Im going to tell you thats not true. Anyone with money to invest in america can participate in the stock market, and many of you have. Heres the proof of that. The total net worth of all u. S. Households rose 6 , an increase of 4. 2 trillion. Your net worth is all of your assets. Your home, your stock, minus all your debt. Heres the thing. This increase is being driven by stocks. In fact, stocks have picked up another 5 since june. When this was measured. Meaning our net worth has grown even more since then. The house something part of the picture as well. U. S. Home prices as weve discussed are up 12. 6 from this year were last year. Which is good news because owning a home is the number one way that americans mr. Personal wealth. But despite these gains home prices are 20 lower than where they were in the peak of the market in 2006. Still there are a lot of people who dont own homes and stocks are the biggest driver of that wealth increase. So many of you are not invested in stocks. Thats why this increase in collective wealth is a tale of two cities. Half of you dont own any stocks, 52 from a pew poll taken earlier this year. If you are already in it, is now the time to cash in . I want to ask matt mccormack. His ohio based firm manages 9. 6 billion. He joins us from washington. Matt, good to see you. First of all, there have been all sorts of predictions. When youre up 19 in a year. All you Money Managers get asked what is going to happen next in the market. What do you think is happening . If i truly knew i would not be in dc i would be in bermuda on a boat. But i think there is more volatility coming towards us. There is concern about the debt negotiations, and there is consensus that a deal will be done quickly. But the same people who said the fed was going to taper last week are the same ones saying that the republicans would fold. The way i look at it to answer your question about the stock market you have to look at what your goals are, what your needs are. If youre going to be in stocks, go where the puck is going. Buy high quality dividend paying stocks, that have needs not wants and have under performed since january of 2012. These are the type of stocks that i would look for. People who have not invested yet so far are fearful and concerned volatility. These are the stocks that do well, grue. But do they do well for those conservative people watching my show. Conservative investors watching my show. When you hear somebody say the market is up 19 , and its just september, is that safe . You know, there is no guarantee on anything. But when you look at these type of stocks, especially high quality dividend paying stocks they tend to under perform when you see speculation enter the market. I would say this year has been mainly gains generated from the fed pumping on the gas, pushing stocks like netflix that is up 135 today that may an great company. 300 pe. That means its price is 300 times what that company earns. Reporter i think if youre a conservative investor and you have not been entered into the market, i look at what people need. They need income to fund their lifestyle. They need to pay for education, healthcare and income is really something that is the name of game. And dividend paying stocks that pay a rising dividend stream are something that have been out of favor. Theyre cheaper than the market. If you look at nondividend paying stocks theyre much cheaper. So my viewer understand. Theyre paying 17 . What they earn versus a company like netflix which is trading 300. So its better to pay 17 than 300. A company like intel, very low debt. Its not going to bankrupt any time soon. These are companies that if youre reluctant to be in stocks, go to companies that you know are going to be around for many years. They have products that are needs, not wants, and these are the type of situations you can leg into it. You dont have go in with one fell swoop. You can let the smoke clear with the federal debt negotiations. But those 60 and over are going to grow 60 through 2013, 51 . Thiessaned investors need protection, and i think dividends are the way to play that. Thank you very much. Scratching their heads, stomping their feet and praying for answers of what to do and how much its going to cost. Im going to give you the facts and talk to a Restaurant Owner what the healthcare law means for him and his employees. That and more when real money continues. Obama Administration Officials said they need to enrol 2. 7 u. S. Redents between the ages of 18 and 35 in Exchange Plans to balance risks and hold down costs. Will they enrol come 1 october should they pay the face. Joining me now is jen mishory, Deputy Director of young invincibles, shes in washington d. C. And yevgeniy feyman, a Research Assistant at the manhattan institute. Thank you for being with us. I want to start with you yevgeniy feyman. The young people are crucial to the success of obamacare. Absolutely. Theyll balance out the risk pool, theyll keep premiums that need the insurance, and the administration is reaching out to them. Jen, the young invincibles are in the 1834 group. Big business cheered when it got an extra year to implement obamacare. What about the little guy. Small companies typically pay more for benefits. Starting next week theyll get a little help. That may be good news if you work for a Small Company that couldnt afford insurance before. Reporter as far as Health Insurance goes, Small Businesses have it tough. If one or two people are old or sick that could increase the price of the policy. In a big business the costs are spread out and allow the employers to negotiate better costs for the surer its. The risk will be spread evenly before the healthy and unhealthy. The price your company pays will largely depend on who is on staff. That will depend on how much businesses pay. Businesses with a very Young Healthy workforce may pay a little more. Small businesses with fewer than 50 employees are not required to offer Health Insurance. More than half of them already do. Thats compared to 97 companies with workers. The question now is whether the exchanges will offer enough of an incentive to businesses to buy coverage. Over the past decade about 10 of companies with fewer than 25 employees have dropped it. So to make it more affordable, those very firms are eligible to be reimbursed up the half the cost that they pay towards their workers premiums. Only a fraction of the Companies Eligible for tax credits have tried to collect since the first phase of the program was rolled out in 2010 when obamacare was passed into law. One part of obamacare that benefits all businesses, Insurance Companies can no longer raise rates for firms that employee a lot of women who historically make more use of healthcare than men do. Weve been asking you as a Small Business owner what are you doing to prepare for obamacare . Well, this viewer said not hiring anyone new. The rest are doing the jobs of others. Trent said everything is still up in the air. A lot of owners i talked to are cutting hours. 28 hours per week seems to be the norm. Keep them coming, tweet me at aj real money. Or leave your comment on facebook. Now lets switch gears and get a view of the Business Owner who employees 90 workers. That business with more than 50 people have to provide insurance to anyone who works more than 29 hours a week. Which is why that tweet you just heard referred to 28 hours a week. Eric gomez owns six restaurant in new york and new jersey. He joins us now in midtown manhattan. Edward, more importantly than anything else, you have a signature dish there, roton manatara. Thats our interpretation of a vegetable lasagna. I might have to come and try that. With a touch of tomato and a touch of cream. Come in any time. Youre going to have to implement obamacare or pay a fine. Youre not clear what you have to do. Quite frankly im not clear on it, and were nervous what to expect. We have 90 employees, six restaurants. We had seven but we lost one with the hurricane. We were faced with a lot of damage from the hurricane that wasnt covered by the insurance company, and we have the insurance for our employees. Were nervous and skeptical of what is going to happen. This guy is big enough, why cant he have the necessary information . Why dont you have lawyers and accounaccountants, but you woule to employe someone to understanf this. The government does not make it easy to understood. Thats the truth. Three out of our six restaurant are just struggling to make it by. Were in zones before the hurricane came, but were in zones that really arent that affluent and it hosts the neighborhood crowds. We just get by and we employee people but now were faced with a larger he dilemma where weve fallen into a circle of jobs where Companies Might be doing better and our margins are smaller, and well be faced with these extra expenses. Are your employees coming to you and asking you . We know the confusion exists on the part of Business Owners and on the part of employees. Are they coming to you and asking you about obamacare . They are coming to me and asking me. Quite frankly i tell them, well talk about it after october 1st. Ill let you know what happens. How do you manage it right now. You dont offer healthcare. For one of our restaurant out of new jersey, it has different rules than new york. There we had to offer it to all of our employees. It becomes a very large bill at the end of the year. The one in new jersey isnt as good as the ones in new york where were facing the 50,000 to 60,000 bill for Health Insurance. Tell meyou have conversation with other Restaurant Owners about this . Have you gotten groups together that are looking at this legislation and wondering how its going to have an effect on you . We have. Were part of some small organizations that are trying to fight Health Department regulations and were seeking counsel with what is going to happen with obamacare. Eric gomez, restauranter, and hes talking to us from his restaurant who has an excellent interpretation of vegetable lasagna which im going to try one of these days. Lets go to obamacare, companies will be able to shop for better exchanges or pay fines at the end of 2013. Good to see you. Thanks for inviting me. Happy to be here. I think regular people are not built to understand 900 page legislation and its outcome. Is iis it that complicated. He has more time than he thought he has. That law that said that employers had to cover their employees, but now theyve got an extra year. There was a lot of confusion, especially in the restaurant arena. The restaurants were saying should we be laying people off or cut people off to part time. Thou they have more time. That said, if youre a restaurant that converse your employees already, you can take the decision ahead of january 1st that might save you money. Absolutely. You can could decide to go in the Small Business exchanges. If you are a business with fewer than 100 employees, absolutely. We see the rates coming out, and they seem like theyre pretty good. Is there a way to offer a blanket statement. Are the rates going to go up or down . It seems to be difficult to get a blanket answer. No blanket answer. Why no blanket answer . Number one, one of the goals was to say we want everyone in these pools. As the reporter reported earlier on. The Small Businesses dont have the leverage. They have high administrative costs. Were going to pool the everybody in, but part of the idea is you get the Young Healthy folks with the old sick folks. The Insurance Companies now have to take the older sicker folks who have trouble getting insurance before. Now we have the Young Healthy folks and in theory the insurance rates for those Young Healthy folks could go up. The rates for the older sicker folks will go down. On the other hand if the young healthier folks if theyre low income there will be subsidy to pay for the higher rates. Get everybody in the pool. Everyone pays the same rate and then subsidies for those who cant afford it. It seemed logical that 50 is the line. After 50 employees, pay for shuns oinsurance or pay a fine. This guy has 80, is there a magic number . No magic number. The tax credits, Small Business tax credits. Those are available to firms with 25 or fewer employees. How do we come up with 25 . An arbitrary number. The mandate, 50 an above. No magic number. And one of the reasons for the concern and delay there was fear that you would have a firm with 52, 53, 54 employees. Are they going to cut back to get 48, 49, or is that firm with the 49, are they going to hire that extra two people. There is confusion and complexity. Hopefully people wont make decisions based on obamacare but on command and what they need for their businesses. The Affordable Care act has three goals. Theyre for self employed and Small Business folks, reduce the cots and offer it to everybody, thats the goal. There is something very big blowing in the wind in texas, and its all about power, jobs and money. How much of a difference will it really make to the rest of the nation and the world. Thats all i have an real money. Victoria azarenko we learned this week the dallasbased try Golden Energy plans to start a wind turbine operation making it not just americas biggest wind farm but one of the largest as well. Thats big. Which is not all that surprising given that its in texas. But how big is wind energy these days . By all accounts wind is still a tiny part of energy consumption. Just 3. 5 of energy usage comes from wind. But it has become the number one source of generator capacity. That means wind energy can power 15 million u. S. Homes. And new investments in Wind Energy Projects totaled 25 billion in the last year alone. There are 890 wind projects across 39 states. That means 80,700 jobs. Nine states now get more than 10 of their Power Generation from wind energy. Some states like iowa and south dakota get a quarter of their electricity from wind. The u. S. And china lead the word in wind power which makes up 2. 5 of global Electricity Supply and contributed 78 billion to the worlds economy last year. Its not all smooth sailing. Winds in Unpredictable Energy source. But Companies Like google and ikea are investing in wind farms. And the way winds are blowing, farms are heading offshore with developments off u. S. Coasts. Much of the Industry Growth will determine whether a production tax credit is renewed at the end of the year but Energy Experts agree wind power is on the rise. Dr. Bjorn author of how to make 7,575,000,000,000 to make the world a better place. You dont think its all that great. It costs much more. Thats why the segment ended why you need the production credit. You need subsidies to run wind or you wouldnt be building it right now. The problem is you cant afford all that. Look, spain, for instance, is paying a percent of its gdp in productions for solar and wind. The net effect is to postpone Global Warming at the end of the century by 61 hours. All it does is makes us feel good but its not a Sustainable Business number. Should we be building this in our portfolio. Should part of the port noelio be natural gas, wind, coal, nuclear. Is it not better to have energy from different sources. It sounds like the right argument but we need to cut Carbon Emissions by going to gas. We should do that a lot more. And then we should be focusing on making wind, solar and all the Green Energy Sources so cheap that everyone will switch. But this is not about texas or the u. S. Cutting a little bit of its co2. Its making sure that everyone cuts a lot. Gas uses a lot water. Sometimes it causes earthquake. Wind is free when it blows. Its not free for you because you have to pay for them to set it up you have to pay to have generators on the backup because what do you do when the wind isnt blowing . It hast real costs. Im from denmark. We get lots and lots of it. 33 of our energy is from wind but it works because we pay a very high premium. If we want to cut Carbon Emissions. Its not about wind but its about making future wind much cheaper. Do you think thats a possibility that that happens . I dont know anyone who knows what exactly is going to be the technology, but one of the many technologies solar, wind, geothermal. There are lots of other ideas. Lets spend money on research and development because thats a cheap way to redefine wind by the end of the century. Dr. Bjorn lundberg. Thank you for being with us. What are you doing as a Small Business owner to prepared for obamacare. Tweet us or leave a comment on our facebook page. If yo you would like to see morf these stories go to our website at www. Aljazeera. Com real money. New reports came out saying that jp morgan could settle all of the federal and state probes for a cool 11 billion. Heres the thing. Jamie dimon was once hailed as the smartest man on wall street even though he led a crusade against the banking industry. Last years revelation that it lost 1. 2 billion in ill advised trades had little affect on the banks stock. Jp morgan chase stock is up, 27. 5 in the last year. How come number seems to worry about a company that could end up paying or losing at the end of the day somewhere around 18 billion of shareholder money . Probably because that kind of dough does not mean much when its spread across shareholders. Maybe it would be better if regulators could get 100 billion from jp morgan. But what if it were divided up amongst those who were most responsible for losings shareholders money. That would take a lot of time to repay that money but that would teach them a lesson. Going back to made in america. What is prompting companies to bring jobs from china back to the u. S. Ill alle ali velshi, see you on real money. Im lisa fletcher, and youre in the treatment. To label or not to label. Were debating genetically modified foods and if you want to see them on store shelves. Gmos, it stands for genetically modified organisms, and dozens of states are looking at labeling requirements, but there are a lot of