Surveillance is legal. Another judge said that it violates constitution. Targets pin inscription. Hackers stole names and numbers from 40 million debit and credit card users. Target said its confident that pins are secure. Police have released thousands of documents related to the mass shooting of sandy ham elementary in december of last year. 26 people were killed including 20 children. This is the culmination of the investigation. Im stephanie sy. Real money is coming up next. Addicted to deals, the hard look at retail sales and Consumer Spending when retails discounts go away. And a toy that enables kids to make bracelets. And time is running out on 55 different tax breaks that help individuals to save billions of dollars. Im ali velshi, and this is real money. This is real money, and you are the most important part of the show. Join our live conversation for the next half hour on twitter at aj real money, at aj real money. Shoppers came out in droves after warnings that they may sit on their hands. While that should be good news to americas retailers, some Business Managers say they arent feel something joyous because they had to work harder than ever to lure shoppers in. Retailers were forced to slash prices early, extend store hours late and push the deadline for shipments to practically christmas eve. Because online sales were remarkably strong with doubledigit growth, many brick and Mortar Retail percent forced to spend more on promotions. In other words, retailers pulled out all the stops including tightening their profit margins. One tactic aimed at pleasing consumers seems to have backfired. Offering a guaranteed delivery by christmas eve. Retailers god cared away and guaranteed christmas deliveries by as late as monday night. The down to the wire sales push fueled stronger demand in the end but helped to create the logjam that gummed up ups and fedex on tuesday. And many stores are trying to make amends by issuing shipping refunds and shipping gift cards to customers who got burned. More on that in a second. But first by now you may have heard of a hot new kids product called the rainbow loom. We have the retailer coming up. Thats why were asking you, do you have a rainbow loom idea for him . While retail giants are coming up with new products, there are many ways to stay competitive. Take the rainbow loom, created by a michigan father. He wanted to make rubber band brace lets, but found that his hands were too big for the tiny bands. He created a board to weave the bands. It caught on with his daughters and friends and neighbors now its the bloc blockbuster toys in 2013. It sold enough rainbow looms that it could stretch around the circumtrend of the earth. Jim, first of all, three and a half million bracelets sold. What are you doing to fight all the copycats . Um, well its difficult to fight a copycat. What we were going to do, well keep our Profile Products and launch new products to gain the confidence from the customers. And what are some of those products that weve got a lot of tweens out there dying to hear about it. Well have a travel kit, which is a small loom that anybody can take with them to anywhere, which is going to be convenient small loom. Well improve our loom as well. That will be early next year. You were first inspired to create this loom while playing with your daughters. Tell bus that, and when was it that you realized you might be on to something . So this is back in three years ago, and while i was working, well, i came home from work and i saw that my daughter was making bracelet. As a dad i always want to impress them, dads are cool and dads can do what they can do. I wanted to sit down and show them that dad can do it, but quickly i found that my fingers were too big, i couldnt do it. So i made a loom from pushpin and put it on the board. Thats how i impressed them, and it became a popular kind of tool that i showed with the neighbors kids. From there on i get the ideas that it can be Good Business to get into. When you started the business you invested, he only had 10,000, is that right . Yes, thats right. Thats all our life savings. We put all of our life savings into this. Before we decided to do that, i did a lot of convincing, tried to convince my wife to invest into this. Im always the one who comes up with the crazy ideas, and my wife is the reality check. I always need to live to her. Obviously she make good decision for us. What is the one piece of advice you would give to blossoming entrepreneurs out there given your experience turning this business into a success . Yes, i think its important to have good vision, and then execute upon the vision to make it a reality. I think a lot of people have come up with good ideas, but they do not execute upon it. Execution is very important piece of solution. Well, it is has been a remarkable year for you, congratulations and to everyone who is manufacturing these things, the big hit of 2013, chun ang, the greater of rainbow bloom. We appreciate you coming on. Thank you, thank you, were very humble with this experience, thank you. The searing experience of the Holiday Shopping season has prompted retailers new ways to win back your trust and money in 2014. That could mean major changes in the way you shop next year. According to brian saze. His research focuses on the retail industry, and highways been on the ground in stores paying attention to the american consumer. I should correct myself, rainbow loom, not bloom. How did sales picture 2013. Big discounts. They had to ratchet up their promotions just to seal the deal. One of the big themes throughout 2013 was online shopping, how can i get the product to the consumer as quickly as possible. In 2014 thats coming as we see discounts start to disappear. Will consumers see a dropoff . We are in the world of having to offer 50 to 60 done. I think to get the deal done you need 75 off i think in 2014 you will see retailers trying to do more Creative Things online, mobile tablets and no one has talked about seamless inventories. Im talking about the seamless inventory. Tablets, smart phones, and they have retail the associate, take that inventory and send it along. Back in the day ten years ago you would go on a retailers website. If the item was out of stock, there was no sale, and no go in 2014. Consumers have so much information at their finger tips. How do retailers respond and what should consumers do with this wealth of information that they have available. Stop planning inventories if the economy is all fine and dandy. I think all retailers are racing to the bottom in terms of offering the best possible price to the consumer. The consumer winds. If they get the cheapest price, its a winwin. With last minute discounts, delivery by christmas. It overwhelmed the shippers. What did they learn as a result of this . Wakeup call. Ups i, fedex, theyre taking for granted that the website existing, these giant Online Stores are offering thousands of goods, and they have to invest in their capacity. And consumers next year, a lot of them who god burned, theyre going order earlier. Were seeing a lot of disgruntled things, but the reality is people are hooked at buying online. Every time you upgrade your smart phone, tablet, youll be buying more online. Theyll get over it. Retail sales were better than expected. Or are you still circumspect. Consumer credit has grown, and i think we need to see people put money on their credit cards. Brian, thank you for coming in. I appreciate it. Tax breaks, that boost at the bottom line for millions of us are set to expire at year end. Well tell you who will feel the pain, and what, if anything, we can do about it. And the glass that is definitely more than half full. The interview with a man who h s creator of misamerica light. We happen to be americans. For these stories to work they have to be universal, something that anybody can relate to. Those stories and more as real money continues. Than these girls know, a quality education in real tangible skills, a path away from positivity and early marriage and towards university and a career. Since 2002, the modern stud has been teaching women languages, like management and computer skills. That they are skills that speak of ambition which in the heart of tallle ban country is remarkable. We are a unique school, preparing women to go to jobs. Our school is preparing women to go to universities. Shares of twitter plunged 13 on friday after a top Research Analyst downgraded the company to sell. Twitter stock prices soared this month, and this is why the analysts downgraded the stock. They said nothing has changed over the past few weeks. The clock is ticking on tax breaks that will effect millions of americans and Small Businesses. According to the joint committee for tax taxatio5 tax breaks are going to disappear at midnight on december 31st. Unless Congress Acts the negative affects will be felt by individuals, companies and the broader economy. While 2013 came in with a bang, its end may mean a higher tax bill for many. It affects Small Business owners and educators. Teachers in the u. S. Spent 1. 3 billion for their students. Thats right. 1. 3 billion every year. Reporter more than three and a half million teachers in the u. S. Spend money out of their own pockets to make sure that students have the supplies and resources they need. Since 2003 theyve been able to deduct up to 250 for out of pocket expenses. That disappears at the end of the year. I hope that they continue to spend the funds that we have for the children, but it will cost them a little more in 2014. Reporter it may cost parents with children in college more to send their kids to school. The tuition and fees deduction allows families earning less than 160,000 a year and Single Parents earning less than 80,000 to exclude 4,000 from their income. This allows some families to qualify for student aid by lowering their income. There is a lastminute lifeline in the form of an extension. When youre trying to decide whether or not you can afford to go to school you really need to know that after tax expense for tuition and fees. In the meantime tax experts say affected parents should try to pay 2014 expenses by the end of this year. Struggling homeowners are going to face what many experts are calling a financial disaster with the expiration of the mortgage Debt Forgiveness relief act of 2007. The law prevents forgiven mortgage debt as income. Consider that more tha action effected lenders reduce the size of the affected mortgages so that Monthly Payments were affordable. If congress doesnt act mortgage reductions made in 2014 will be taxed as income. Its going to hit these people who are the very most Vulnerable People who are already struggling with their mortgage payments. People who have been hurt by a declining home price market, that just hurts the Housing Market or hurts the economy. Reporter Small Business notice United States create more than 60 of private sector jobs. Many economists say their ability to grow will be hurt by the expiration of deduction up to 500,000 spent on new or used equipment. In 2014 it drops to 25,000. Some purchases, maybe they were on the fence in buying perhaps theyll decide not to pull that trigger. Reporter just because these exemptions are set to expire at the end of the year does not mean that taxpayers will not get relief. Its possible that congress will reinstate precisions and make them retroactive. For now its a waiting game. Millions of tax payers and businesses need to praise themselves for a higher bill from uncle sam. Stacey tisdale. Al jazeera new new york. Were watching this one closely. Commuters could set aside before taxes for buses and trains drops from 245 to 130. Americans face Something Else that is about to expire extended Unemployment Benefits will end this saturday. Thats when federal funds run out for the Emergency Program created five years ago to help those hit the hardest by the recession. 1. 53 million americans will be immediately affected. Those without a job for more than 26 weeks will no longer receive weekly payments which average over 300. But there could be help on the way. Jack read and senator dean heller plan to introduce a bill to extend the bill three months while lawmakers try to figure out a way to offset the costs. Lawmakers are seeking a procedural vote on january 6th. Next stop, the man behind one of the most revered shows in broadcasting, ira glass creator of ms. America life. We have the luxury of doing journalism that is entertainment. Were not ashamed to consider it entertainment, but we want it to be a gripping story that will unfold. That story and more as real money continues. Waj, youre talking about men . Thats right. Were going to have a honest conversation about what it means to be a man in todays world. We gathered up a Diverse Group of men to discuss just that. What are you going to be touching on. From feminism and machismo. Thats the stream right after real money. In the world of broadcasting one of the most critically acclaimed shows around is on public radio. Its called this american life. Theyre not focused on maximizing their profits but the quality of their reporting and the experience of their listeners. Along the way glass has collected every Broadcasting Award and attracted a massive following. He has a Million People each week who download his podcast. I sat down with glass and discussed his unique method of telling hard news stories. We try to be funny in serious stories which is very, very flair broadcast journalism. One thing that i find interesting is broadcast people are very fun off camera, but the format that theyre in does not have the space for them to be that person on camera. When we did our program on guantanamo. 200 people, 300 people had been released from guantanamo. The u. S. Had interrogated these guys and said you never were a threat to the United States. It was a mistake to pick you up. We realized that 200 people like that had been released. This is years ago. And nobody had ever interviewed them in american broadcast journalism. No one had interviewed them. We could do do that. We started to track them down and got translators. Some were in other countries and tried to get them on the air and tell about what happened to you. How were you treated . How are you feeling about america . Do you want to kill us all now . How are you feeling about that experience . Asking the normal things that any reporter would ask. But the packaging of that show i have to say, we felt like the people dont want to hear an hour about guantanamo, generally. You know, im super interested in it, but even i if there was a big hit, guantanamo, an hour, oh, no, thats going to be so heavy. I know i have an opinion about it, i know what i think, and i think its incumbent on all of us on all of our broadcasters that you have to be conditioning about how you bring this up in a way that people want to watch the second minute of your show. And i feel like probably because its radio we can back into it. We can start a story going and then before you know it its going to turn out to be about guantanamo. And we feel very conscious about all the things that will make people go, no, i dont want to hear about that, and back people into stories so that before they know it were actually able to present something new that they havent heard about something. You know, that would be hopefully interesting for them to hear. And then as part that have we want to use humor as much as we can. I say with pride that i think we did the single funniest hour on guantanamo that any broadcasters have done. It sounds glib and stupid, but i feel that that is necessary. Its a really funny show. But also dark and serious and also presenting an analysis at that point was not out there quite so much in the press. Last year we became interested in all the shootings going on in chicago. Last year 506 people were shot in a single year in chicago. As news viewers know, other big countries arouncities in the cos are going down. 506 was a huge number and new york city is three times the size of chicago, and that number was larger than new york. And we sent reporters in high school for five months. The high school was not wellknown, not famous and not even the worse school in the city by far. But they had 29 shootings in one school year. I cant remember if eight or nine kids died in one school. We felt this is a neighborhood where people know what its like to live through violence that the rest of us dont know. We can document the trauma the kids are going through, and the staff was enormously competent in trying to quell the violence. When they had one kid shot they had procedures that they had learned from the army, actually, they jumped into action to name all the kids who might be affiliated with that kid who might be shot in retaliatory shootings. You then could watch this school try to deal with this thing. Glass spoke about his unique background and offered an unusual perspective about life and death. Our full interview with ira glass airs this sunday at 7 00 p. M. Eastern and 4 00 p. M. Pacific on al jazeera america. Tonight gert our questions for today. Do you have a new idea for the rainbow loom . Tweet us ali velshi, or leave us a comment on our facebook page. If you want to see more about tonights stories log on to our website at www. Aljazeera. Co www. Aljazeera. Com real money. There is another part that have ira glass interview that were looking for. Its where he and i talk about the common experience that nearly all broadcasters have. That is when we were just starting out we were horrible. Glass said he was so awful that his parents kept urging him to do Something Else. My parents thankfully did not say anything about my performance, just encouragement. But trust me i stunk. At my first reporting i gripped the the ma microphone so hard tt my knuckles were white and the viewers thought i was moments away from needing an ambulance. Youre not going to be a success overnight but you can be somebody who perseveres. If youre willing to work hard, work smart, sacrifice, youll eventually get to where you want to go. On monday, where the jobs are. Looking at where the fastest occupations and industries say about the u. S. Economy. Im david shuster. On behalf of the ali velshi and the entire team here at real money al jazeera america, have a great weekend, everybody. Youre in the stream. What does it mean, modern day masculinity. Lisa fletcher is out today, but we have our man, oma omar, as cohost. Look, you and i wear makeup for a living, and its not the traditional masculinity,