Updated, europeans have been using pin and chip technology, there is a chip in there, you have to type a pin in to work. For us, it is easier with a ma magnetic strip. This is the same thing we used with an atm machine 25 years ago. Charles we could use old magnetic strips, this is an unmitigated disaster, a lot of people are saying who is responsible . The target . Credit Card Companies . The industry, this is happening to you oingto too often. You are correct. Is it a bigger thing . The industry of Financial Service has known about this but has not upgraded the technology, a lot departments on how it happened, if it shows that the retailer do not do Due Diligence they need to protect the data is one thing. Other question, why in the world are we storing 40 million records of people with credit card information, pin numbers, all these other things, we dont need to do that. Charles do yoo know if they did get the pin numbers and three digit security codes, it was not clear to this point . I dont think it is cllar to any of us, the question is, was is just someone in the store swiping, picking up numbers, transit into a computer system, was it somebody that basically of doing Online Shopping that asked for the pin code or cvv, and same information on the mag strip. Was that intercepted . We dont know, well find out more as this investigation continues, but bottom line, this 40 million only represents a little bit of that 620 million that we have seen about the past 5 years, where they there has been data breaches. Charles i would think that at some point, it would behoove the industry, this will be expensive for all of the players involved. With the chips system, is there any other thing we should worry about. I am thinking a lot more of my information on a computer chip. Does this bring up unique security concerns . That is interesting about pin and chip, a little bit of encryption, that passes that information incrypted, only way to get to where retailer can use it, you have to use your unique pin. Some other Technology Like your mobile phone, you have a one time password, otp, you bring it up, it gives you a number that changes every 60 seconds, you punch that in, it is unique, good only for that 60 seconds. But every time one of these things happen, we talk about this is the wakeup call. But yet we continue to accept this technology, normal way of doing business. Charles i have to tell you, wakeup call would be, there are classaction lawsuits, howard, you just brought up new Technology Particularly use a cell phone, it is it possible we end up skipping second or Third Generation of card and did to a wirellss system next in. That is the hope. Two years ago we released a National Strategy for trusted identity in cyberspace, that was the whole idea. Jump ahead, get ahead from mag strip technology. And create an eco system it has been slow, unfunded, people dont see a need for it. Charles thank you, howard smi smith. Good talking with you. Charles well after that hack, people backing off from target, transactions as target reportedly falling by 4 last week compared to year before. Former office depot ceo said, i guess this is par for the course . It is unfortunate that target sales have come down on this target is one of the best retailers in america. They have very advance standards on this, pci standards or payment card industry standards they gov were things likelers, encryption standards and how data are transferred and stories, this is a remarkable breach in that 40 million user lost their card numbers between november 27, and december 15, we know that millions of those cards are showing up on internet in black market and sold for as much as 100 a piece, if you think about 40 million times a hundred that is billions in illicit money. This is a valuable business to thieves, i think that retailers have to get you know one step ahead of things as they can. As we heard from last fest, they are move the last guest they are moving quickly, one thing to do get away from the magnetic stripes, they have all our data, every time they are swipe all the data are translated, the chip are randomized so they only use one scan per time. Europeans have hor advance systems, we need to get to those systems. We need to get to tokennization, you know not having the data sense all one shot, but broken into packets, a lot of different technologies explored and can be used. This is a situation that affects all of commerce, every retailer, whether it is bricks and mortar or online, shoppers should take care in this, be careful where you leave your card, how you use it. When you are shopping on line, you can only use sites with that lock in the corner, which indicates it a secure site. Never give away your Social Security number to anyone. Govern all of your data. Charles absolute great points, you started this interview by saying that target was a wellrun operation it feels like the odd man out, with respect to retailers, the deep discounters doing well. And more expensive luxury shops going well. You ran a retail operation, you waffle a little bit, does not have to tarjaywhacachet it haa couple years ago, what does target do . It one of the class operators. They know more about this than anyone. They were vulnerable to this. Their sales have gone down as a result. It is untach nait is unfortunatl recover. They are ready they are already offering free track of Credit Information and so on. And incentives to get people pack in the store, this will set them back. Law the are unfortunate lawsuit are unfortune that the but they will come as well. Charles your opinion on kneejerk reaction from chase and other banks that limited how much money people could use with their debit cards, just a couple days before christmas. Thii seems a panicky move on their part, does not en gender confidence. It is unfortunate that credit card maker said that way to control this is to limit aim that people have spent, not all have done it, i think they are trying to do is protect consumers and themselves, this is a blunt axe to a problem that indicates we dont know what the issues are. We have federal authorities and secret Service Looking into this issue. If it is this pervasive, shows you what else can be happening out there. You know, i think at this point, Everyone Needs to take a step back, because, this is the busiest shopping period of the year. Retailers need to make their money in this period. You know the credit card manufacturers and issuers need to fix it new issues chips. Charles there no doubt. It could not have happened at a worse time. You were very informative thank you, steve. Great to be here. Charles break out birthday cake, Federal Reserve turns 100 years old today, ron paul is not celebrating, he is trashing the party, he wants the fed to crash and burn, he is fired up, he is next. Plan plan just by talking to a helmet. It grabbed the patients record before we even picked himp. Ifound out thdoctor we need was at st. Annes. Wiggle yo toes. Driver ] and it got his okay on treatment from les away. It even pulled strings withhe stoplights. My ambulance talks with smoke alarms and pilots and adiums. 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[ santa ] ho, ho, ho, ho [ male announcer ] lease e 2014 e0 for 579 a month at urocal mercedesbenz deale charles ron paul was fired up then with the fed, he is not wishing them a happy 100 birthday. 100 year ago president wilson signed the act that created Federal Reserve, ron paul, he wants to kill the fed before it can turn 101. Congressman paul, always a pleasure having you on. We have a First Central Bank kill off after 20 years, i second central bank, killed off after 20 years, why has this beast been allowed to grow foron00 years . I think that people are too complacent. The management has changed, they have been able to manage the bubbles and distortions a little bit better, that makes our problem bigger, were in the midst of the prolonging a of en flaggary period that is pro longation of the inflationary period. We have very structural problem in our economy like unemployment. And steady rising prices, all these things that are continually building and they are witt us. It does not change my mine about the central bank or the Federal Reserve. Charles but it took strong personalities in no days to get it sashed squashed after 20 years, is this something we have to live with from here on out, 4 trillion balance sheet, i do not see a noticeable difference on main street from all these fed actions. I work to try to work our way out of problems, gradually reduce spending, back off on the inflation. But, i am convinced after my years of experience in washington, it is going to end in a economic collision, there will be a collapse of it. Somethinges equivlent to detroi, the debt becomes overwhelming, and people back off on credit. That can happen to us. Nearly happened in 79 and 80. But we got by, we tightened up, we saved the dollar for a while. I think that most of them end, most of bad inflationary fiat currency end. We have eliminated 98 of purchasing power from the dollar that the fed inherited. When people lose confidence, and wake up, saying this is unsustainable, we no longer can prop up wall street, then there a panic out of the dollar and out of the system. I think that the end stages are what we should be concerned about. They are getting closer all of the time, they are getting serious, then well be out of Federal Reserve, and well have to do revamping or get rid of it, and have new monetary poli policy. But that is on the horizon, not probably next year. It will be a while. Charles real tough when you describe a dawn of the dead, end of the world fee aso as only way out. Fiasco as only way out, but human nature is such it takes those things to give us a wakeup call. Shifting gears, your reaction to something that senator reid said, he complimented your son rand paul. I met in last few days with rand paul, i have grown to really like him. He wants to get things done here. I find ttat throughout the republicans. Charles always feels good when someone compliments your son. Political ploy or just where does that put you . I always keep my fingers crossed, i am hopeful, and optimistic about young people and the future, about. You know, i would say that is good. Ill keep my fingers crossed. I hope it means something. But from my experience i would not bet a lot of money there would be a major change. It is same way with negotiations with the iran. I keep hoping this would be a new phase for us, but i would not bet o these, because of the nature of human nature of so many of us. So, i dont what his strategy is. By being complimentary, maybe the fact that rand was willing to talk to him, i encourage everyone to at least talk to people to work their differences out. But i dont think this is the great breakthrough that everyone would hope, that people started talking about how to reduce side and scope of government. That is only thing to me that is important. Charles to your point, at least we send these people to all of you to washington d. C. , to at least bring in a dialogue. Maybe a step in the right direct, we appreciate you having you omerry christmas. Thank you, charles. Charles what is more controversial . The controversy or reaction to controversy, next the duck dynasty react that sparked a bigger reaction. Its not the sign up for wards each quarter ca. Its the nogames, nomessinground, noearninglimithaving, doilooklikeimjoking, turbboosting, heavyweightchampion oftheworld cash back card. Thisthe quicksilver cash back card from capital one. Unlimited 1. 5 cash back on every purchase, everywhere, every single day. Now tell me, whats in ur wallet . Open to novation. En to ambition. Open to boldids. Thats why n york has a new plan dozens of tax free zones all across the state. Move here, exnd here, or start a new business here and pay no taxes foren years. Were new york. If theresomething that creates more jobs, and ows more businesses. Were open to it. Start aaxfree business at startupny. C. Charles Cracker Barrel, ducking controversy, telling customers we were wrong for pulling tuck dinduck dynasty products aftel robertsons remarks, they offended people doing that. Is that the danger in reacting to media, before you hear if from voice of your customers, rob. I kind of you have to commend Cracker Barrel for saying we made a decision, in haste, and changed our mind quickly. I commend them their there are actions mr. Robertson can say whatever he likes, in is a free country. He is also entitled too get ramification, a e is a for for profit show, they suspended th them, Cracker Barrel is listening to its clients. Charles a lot of people are wondering, where does this line move, are we getting tt a point that any time someone with noteriy hurts someones feelings, it is town the plug, Cracker Barrel who initially went that way, pulled back, said maybe that not right. I agree with rob. It is about bottom line to me fast nating part is that divide between business conservatives and social conservative, business conservatives saying this will hurt the bottom line, and shareholder value versus social conservative customer base. I would also say not just about hurting peoples feelings, in case of Cracker Barrel, Justice Department found evidence they had been discriminating employees woe, where did that come from . They are sensitive about the past. Charles okay, now, so you are sayiig that the back story, why Cracker Barrel reacted so quickly. Not any restaurant, were not talking about olive garden, about a restaurant found to have havhad evidence of discriminatin by Justice Department in 2004. They were doing what was prudence were the circumstances, i dont watch that show, millions watch that show it was a kneejerk react, they had time too think about it. How will this affect our business. Charles but we saw something similar with chickfila. That is different. Charles how. People at chikfila made just ridiculous remarks, their political stance, their corporate political stance. Charles fil phil robert sop rot backed off. Nor should he. He might want to, it is hurting his personal brand. I dont think it is hurting his personal brand. A lot of people surrounding him on this one. Cracker barrel has to look out for its personal brand, i think that harm in longterm given out the south is changing its demographics, it is not in Cracker Barrels interest to be associated with those comments. Charles it took just a few hours to have this epivn epipha, were going back to duck dynas dynasty. Yes, they did. They said this is where our bread is buttered. But moving forward as suit and midwest become more diverse. Charles Cracker Barrel is in 42 states not just a southern restaurant any more. Back tos a e, i will be shocked if hey dont let him back on the show, if is a ratings boone for them 92 number charles the number one show in cable, a lot will be curious. The kind of advertising you could not buy with a billion dollars. But, longer term, do you think someone in real estate right now, say in a e saying if we weather the storm it would hurt us nearterm, but longer term it might help to richards point. I think they will ask him to tone it down, if he sticks to his personal beliefs, he will tell them to go fly. That is what it comes down to, he is a peculiar individual, ive seen only clips of the sh show. But the truth is, he has his opinion, the right to give it there is nothing wrong. Charles it does seem disingenuous on a es part to say, wow we didnt know he felt that way. That is the thing, one thing you say you didnt know how Phil Robertson felt, but you know Cracker Barrel a history is well documented. A e knows how this family feels. Charles fantastic stuff, talk to you soon. Libertarians, they are fighting back against liberal biassed at school, university that is getting sued for messing around with the wrong folks. Progressivclaims. This is flo. I need you. Buyoure not alone. I kn youd com like i could stay away. You know i cant do this without you. Youre always there for me. Shh ill get you a rental car. I could also use an umbrella. Fall in love with progressives claims service. Charles a libberrian student club is suing university of michigan for political they refuse to give them money for an even, and say liberal groups get funding for similar events. Foundation for individual rights and education president , says that is the discrimination against the group, we did Contact University of michigan. But it refused to comment on this suit. Greg, fill us in on the backdrop on this. A student group, Young Americans for liberty tried to invite jennifer gat grates advoe about a decade ago, and won. They wanted to invite her to be a speaker, michigan was trying to claim they could not fund her speech because it is political. That is crazy, they have hosted both clintons, and president obama, they do all sorts of political evens, but amazing how universities exercise these double standards. Charles weve heard it before with conservative groups, young republicans, and young conservatives, now, to see it with libertarians, as movement is exploding on College Campuses might be a dangerous thing for this university. Absolutely, we have seen universities try to tell libertarian student groups they have to get into tiny free speech zones on campus, we need more students will ing to come forward to challenge their speech codes, 62 of university we survey maintain unconstitutional speech codes, we need more students like this to come forward. Charles what goes with those speech codes, is there some intimidation factor . A lot of people, student are unwilling to challenge their schools, they know the administrationors, saying they are nice people, ien to want to sue them i dont top sue them, they are not just fighting their rights on campus but for rights of students across u. S. University of michigan invited that same guest, they would have gotten the okay. We found, while they were trying to argue that grats could not be paid for they sent a student on a pro affirmative action rally at the Supreme Court, i guess that was not political. Charles would that group, if they could get funding outside funding could they host the even without university paying, would they give them the okay to host on campus. In this case they wouldly. But at same time, Supreme Court decided that it can collect student fees, you cant just hand them out to just the opinions you agree with. This is really established law. Michigan should get talk settlement now. Charles i can tell you, they are barking up the wrong tree. Good luck to you. And the kids are you helping o out. Appreciate it. Thank you. Will ferrells ron burgundy ads like this one was a success for dodge, what went wrong at the box office this weekend for anchorman 2 . You decide. We are starting a 24 hour news channel, and we want you. Have salon quality hair, and read the news. Ident, just by talking to a helmet. It grabbed the tients record before we even picked himp. It found outhe doctor we needed was at st. Annes. Wiggle your toes. 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Charles his movie, not such a hit in box office, finishing in second place this week behind the the hobbit the desolation of smaug. Reports on whether seeing ron burgundy all over the place hurst movie sales. I think sometimes, we get crazy about these movie launches, and the first day open and expectations, it did better than first one by far. There is a lot of competition out there weather in this country has been crazy. I think that movie did well considering, i think they are making a bigger issue. Charles how come i have a filing someone in hollywood made the same speech but they did it to save their job this morning. It ii possible, a lot of these movie, particularly with known stars, they pay a lot of money to have huge expectations, the budgets are big, this one was not as big as some. And maybe they over promised their management in terms of a linement ofver, interesting ron burgundy or will ferrell with dodge, that was an interesting pairing, not one i would have picked, but it is working. Charles it is working, fantastic. I guess irony is that better that it work over last few weeks, the higher the expectations became for the movie. Yes, i think so, you are seeing key character out there in his character form, which is not usually seen. When you look at an ad, you see celebrity in their real life, that was fun, and unexpected. Then you think that generates the awareness that generates more box office sale. It might have been, maybe the sales of movie would not have been this good had it not been for all of the attention that character got by being in the dodge commercials. You know, you talk about you know all hoopla over first week, and expectations. Is continue this movie one isnt this movie, one where you dont hit it pig o bigot first t is down hill. It has been the case, with so many movies coming out, this time of year, i usually find that the movies that are about comedy, that get good word of mouth can do well some of the weeks out, 2 or 3 weeks, i have not seen the moviity, i have seen mixed review the. But they are expecting big numbers during the very first weeks in particular holiday period like this. I gather they are disappointed. But relative to their original hoping movie i think they did well. Charles i have not look at numbers adjusted for inflation. I am sure someone is doing, that the next week this week, so many move are coming out. So many movies are coming out, it feels that hollywood is cannibalizing itself. It is destined that something will be a disappoin disappointm. Absolutely, there are too many movies coming out, weather across country has not been great. There are so many choices, there is so much competition. But what Movie Companies have realized is they haveb threat of hands for their best chance for bang up big sale success at holiday periods, word of mouth spreads quickly, they got a lot of business in a short period of time, maybe that is not the answer any more, maybe off season will get the movie more attention, and build aware nenes and less e expensively. Charles i think i like to come in number one off season with. That just me, really appreciate and enjoy the week, well talk soon eli. Thank you, so much. Charles president obama, is home for holidays. With less than 1 of hawaii yaps able to sign up for health care in the aloha state, should the president be fixing his home for the holidays instead . blah [ male announcer ] heres a question for you the energy in one gallon of gas is also enough tkeep your smartphone running for how long . 30 days . 300 days . 3,000 days . The answer is. 3,000 days. Because of gasolines high energy density, your car doeshave to carry as much fuel compared to other energsources. Take the energy quiz. Energy lives here. Charles surf is up for Hawaii Health exchange. Less than a half of one percent were able to sign up. They are running ou out of fedel funds. The president should hadn lendd while at home. I guess president has changed so many things on the fly with this law, maybe he can cut them a check too. Hawaii could use help, this law, should be taylor made for president s home state is not ing well. In fact, it highlights a concern, hawaii is a state that has as president would call it, income disparity. There should be a lot of people who want to sign up for health insurance. But somehow it does not seem to be working out. Charles why would that be . To your point. President is from hawaii. It seemed like a perfect backdrop for law . Well remember, there is a lot demand for the law in part because they cancel so many insurance policies under wa it, they were going to launch the law with success. They canceled millions of policies, created millions of new customers or obamacare. The assumption of you guaranteeing success. As to turns out we have people who cant get through to get insurance, god help those individuals who are waiting. What may be the deadline trying to purchase insurance before time runs out. So have you those people. Then have you other people, as a result of sticker shock, say, they will not know roll not enroll, they will see what happens, they are going without insurance, with Insurance Companies now having to cover people with preexisting conditions, that is not as much as a gamble as it would have been under the old regime. Charles you are talking about reflect of the lay and the problem. Reflection of the law, and the problem, what would be the way to go about this. A training will period transitional period, you kick the can down the road, but restart this. Is this only really smart option. What mansion is talking about a pause, sort of see if water finds its own level. Administration is excited, they will sign up for a lot more people for the welfare program, for medicaid, not good coverage, but it is health insurance. They will sign a lot of people for that, democrats are happy about that, it costs a lot of money, they are happy to more people covered. As far as how many people want to buy product. Mansion is saying lets take a year, see how many people voluntarily want to come into the sim, then reasset on the cost. What president said, is, ramming speed, you have to keep it going, you have to keep implementing things, if you dont, what will happen, he is probably right, if they get to a pause it will never be imminented in full implemented in fulll the law will go to the scrap yard. Charles at this point, pieces are it already discarded. It is a quilt work if you will, a patch here, a patch there. I dont know if you drive down freigh48th street, with construction this is what the law is looking like. President , one of Central Point from president and his time, republicans are po blame in part to blame in part for problees, they love to point out that republicans are voting to repeal it, why dont they help us try to fix it. If you look at states like hawaii and maryland, minnesota. California, and in particular oregon. Where they have blue on blue on blue on blue, they are democrat states through and through. If you look at states like this, they are having terrible problem with this law. It puts lie to the idea that problem of the implementing of this law, and interest in individuals signing up is some way it suggestions that appetite is note there are for products offers. Charles i think that president will have a real serious problem within his own party, we got a glimpse of that with comments from mansion. And other things from democrats. I think that president will have some serious issues with his own party into midterm elections. We dont ride on the west side highway. But we know what a gravel road feels like when it goes cord roy. It has, thank you, chris. Well talk soon. Charles if everyone is feeling down, why are stocks up . The end of the year warning that could mean what this really is really wanting, and stocks, well see if they keep going higher and higher. This is the quicksilver cash back card from capil one. Its not the lit t cash i earnvery month card. Its not the i only earn decent rewards at the gas station ca. Its the nogames, nosigning up, everydayrewding, kungfufighting, silverlightninginabottle, bringinghomethebacon cash back card. This is the icksilver card from capital one. Unlimited 1. 5 cash back on eve purchase, everywhere, every single day. So ask yourself, whats in your wallet . [ chicken caws ] [ male announcer ] when your favorite food starts a fight, fight back fast with ts. Eartburn relief that neutralizes acid on contact and goes to work in seconds. Tum, tum tum tum tums charles stocks continue to hit alltime highs, are investors about to be high and dry. Im going to start with you, derrick, a lot of people are getting ant see about the market. Right now market looks good, my kids like to go to movies, as we watch the lea 3d movies, i k about glasses they wear, some are wearing their economic glasses for in it is a wonderful life for others a crummy life, all perspective on how they look, their portfoli perspectivs things look bad, but have and havenots play it out, i think that economy looks pretty good right now, we may see market keep going higher and higher, scarier that is too believe. Charles a lot of people are looking at theic we the economyr goggles on. To them, it is ugly, only way to get through it. And key with that is, a big devicive between have and havenots, if i am at home, thinking could am i going to lose my job, how am i paying for my health care . That could cause me enough worry to not put money into longterm investing but pay for the bills right now, therefore i miss out on this economy growth, if people can safe, little dollars each month can go a long way for longterm. Charles i dont buy the whole wrap that individuals are wrong, if there is a general epiv me, epiphany and people come back into the market they are women that wrong that experts have us believe. Justification, charles is simple. There is a tremendous amount of money out there. Charles people saying that money is money that fed printed up. That is right. You look at j. P. Morgan. A number that blew me away, jpmorgan cash flow, this year, is 50 of their capitalling a, no lending, that money what seeps out threw Banking System goes into the stock market. It is likely to go higher,. Charles how does that work . You say that Brokerage Firms buy stock. Yeah, lending money margin, that stuff, prevate equity firms gives a big push to stock market. This is going to end in tears, not with smiles. This market will continue to go up this is history. Charles we are going up. I dont know how are giving back. But basically market dont go down big ime unless there a big time catalyst. People have to watch for, whether in our out of the market, is a catalyst like a big spike in oil. Last thing on anybodys mind, oil goes up because of fracking, it will. Charles a black swan, event. Yes. Charles apple. Here it is apple signing a major deal, could lead to hundreds of that deal in china. Tomers, with steve, apple, is it a buy . Oh, do i think . Yeah probably, not an expensive stock. Charles dont give he that probably junk, is if is it i ar not. You never i think that stork, there are better stocks, i think china has done something shrewd for a change. They are eating our lunch every which way. They make a deal with apple, a way for china to get the ewa out there. Derrick . Keep in mind, what this does, it accesses 700 million subscribers of china h mobile, this is about the bigger apple brand unveiling itself to china community, aaple products are like potato chips, you cant eat just one, in our house for example from a phone to several other devices. Charles right now were talking about night cap. What do you look for tomorrow . Big news tomorrow, new home sales i dont think there will be big movers but i dont think the market will be up. No vol okay, you i dont think it matters who home saae sales go. Santa claus rally. Charles no black swan tomorrow. No, it comes when it comes, if we knew, it would not be a black swan, but it is their, if you see oil pop, get out of the market. Derrick anything that right now would raise a re red flag, oil or anything else . I would keep an eye on microscope, fed stimulus, they talk about easing back in january, how does this unravel itself. Leading to how quickly the economy keeps going. Watch what the fed does, and how they communicate how the economy is doing. Wall street is watching,. Charles all right, well well have to leave it there, we were told that tapering would crash the market. Were up 500 points, maybe ben bernanke got it right. You guys can take a victory lap. I appreciate you watching thank you. Well see you later. Christmas is almost here christmas miracle, so Man Government agents are leaving lumps