Teeth to deal with it. We have executive editor Gretchen Hugh says keep the politicians out of it they may get worse. What you make of this news that the politicians are getting involved . I think it is political grandstanding try to take a vintage of the issue that is top of the news and also insert their issue into a bigger government policy. What we have seen is the senators need to look in the year and remembered what they promised the people including obamacare debtor just worse off and have bigger broken promises they and not delivering a Christmas Gift. Liz i hereby you are saying but there is late breaking news that target house says thats actually the pin numbers that you use to access they could have taken that code. But senator mendez says this breach is scary wants the ftc involved is that legitimate for him to get involved with the target problem . I dont see how we will solve the issue. With identity fast it is a cat and mouse game with the hacker tries to outpace the people who try to figure out where the holes are and how to patch them. We also saw this with health care website. They were born and again and again with exposing Social Security numbers and we have seen several of hundreds of thousands of people so the government doesnt have a good record tuesday in dawn it is an a problem just of the private sector reseed this again and again with the government. Liz we have representative diana black to says i have the bill made to win back to tell americans of their personal information was packed into of that teeeighteen web site but we see no movement on that . Not on that friday and when it comes to Congress Everything is at a pause but between target and what the government is doing target is being affright telling than the steps they are taking but when it comes to the governments they are not being so up front with what is it is not out there and what the breaches are. Liz go back to senator bennett as that seems like more penalties and fines would you already have the Justice Department have and secret service but with ubs the senator comes out of connecticut to say ups should do more with refunds but they are already doing that. We have the retailers themselves possibly over promising saying you will get your package is even if you order todays before isnt it more of a market problem . We should be happy because the economy may we is getting people to spe money we saw a ups and fedex and the u. S. Ps did not take into account did not take into account the influx of orders. That is good. You have to see the Silver Lining ey made promises they could not keep but they are trying to things to make a right and the Postal Services government run also but consumers have the ability not to buy into those promises when it comes to what the government is offering we dont have that option. Liz and also getting Christmas Gifts delayed retailers have been grooming grooming consumers to wait until last minute. That is a chance that you take i had family members have procrastinated and some people did not have gas under the tree. Liz thank you for joining s. Did ups overpromise a under deliver . Here to talk about the dangers of what are they . The classic relationship marketing problem it is about 10 times cheaper to retain a customer then acquire new one. It is a simple economic equation and people need to focus on being empathetic to the customer to realize the relationship goes back both ways and that you show your true colors to talk to them honestly. Liz interesting. Do you think the consumer this time they will cut ups some slack that just this one time but if you do it again next year watch out . I think so. I think that customers will try them one more time and it is critical between now and valentines day that they have achieved its to do something that has gone wrong. Liz who performed the worst . Which gives not arriving on time . Who really nee to get their act together . Think both the marketers and the delivery people. We live in a time where myself understands myyface gestures it is ridiculous to see we have all this data in technology but to get more realtime more productive to really make a change the way customers perceive the branch. It is on both parts of the marketers. Liz thank you for joining us. Target now just confirming in crib did debit card pin data o of really was stolen during the massive hackmatack and my next guest is one of the 40 million victims that ere hit. After using heard debit card more than 1,000 was removed from her big accounts. Think you for joining us on the phone. Thank you for having me. Can you tell us exactly what happened . Dell ising california and i did shopping on the 15th guy did a debit card purchase when they came back to las vegas i have heard on the radio about the breach and of course, i called bank of america right away and talk to Customers Service and she said they were well aware and they were monitoring the accounts very closely and assured me everything was okay. The next day i go on line to pay bill and ey see Western Union transfer 1,084. I said did you do this . I called bank of america right away a and they said hold on behalf to transfer so then they tell me they will call Western Union right away did she tells me within an hour it we to Western Union gets on the phone they tell me it has already been sent out said doubt it will be charged they said we had your code and your expiration date. Who did you send it to . And Western Union was not helpful whatsoever that they could not give me the information and they said it went to canada. Liz lets stop there because sometimes in this situation the people involved say food do you believe . They will push back to save the age you ever use Western Union before . So knu addressed those things had you use them before or actually connected your shopping at target with fat hitting your account . Not right now it is the only time it has ever been compromised i have never done Western Union and it was online. Liz so how do you connected to a target . I used to december 15 i use my pin code that is the only way they could have gotten it. Liz i hope to get your money back is there any movement on that front . Bank of america told the rich take between 48 and 72 hours they did get it back into my account late christmas eve. Liz we are happy you had a good christmas. Think you for joining us. Can i say one thing. Id like to say to all the people out there that were compromised dont listen to your Financial Institutions have your car blocked and get a new one. Liz great device. We have a new liberal tv ad hitting the airwaves are attacking replicans at christmas time b doesnt go too far . The judge for yourse. [ male announcer ] wt kind of energy is so abundant, it can help provide the power for all th natural gas. More than ever before, americas electricity is generated by it. Exnmobil uses advanced visualization and Drilling Technologies to produce natural gas. Powering our lives. While reducing emissions by up to 60 . Energy lis here republicans strip 1. Three billy americans of jobless benefits for those who cannot find a job kicking them to use a curb so very christmas from the. O. P. Liz those jobless benefits have already been extended over five years that two o foxbusiness. Com cavuto temporary extensions the liberals still push to extend jobless benefits tomorrow to accuse the g. O. P. For routing christmas by letting them expire. Kato Economist Says the best present for the unemployed is tough love. It is trending but it is trendy around 3914 with high jobless rates with africanamericans so i would say cutting out extend the benefits again . The key issue is not just the Unemployment Rate but the Labor Force Participation rates people going into the Disability Program we have a labor market that is not creating jobs and what frustrates me about an ad in the whole political conversation we should figure out how to figure out privatesecto job creation going again that is the best thing not permanent long run government dependency where the skills are there with a giant fly got there resonate out of work for a couple of years that makes them difficult to be employed making them is dependent is not the answer. Liz is a you say the g. O. P. Wants to cut off the benefits to kick them to the curb that is not really what is going on . Both parties are afraid to be called mean during the holidays sees the benefits but the academic evidence is pretty clear like from Larry Summers and paul krug men if you extend benefits you extend unemployment because you pay people on the condition they dont have a job maybee talk about jay went down on their luck hard cases where we have sympathy that is why the focus should change what could be reduced the burden of spending and regulation mike obamacare. People to want to hire new workers because they are now liabilities with obamacare. Liz the First Priority should have been jobs. I feel we have fallen into the Looking Glass we have the same conversation the president again talks about it, and in the quality. Why . Because of the lack of job growth . That is a key factor if you have a permanently stagnant economy what happens . Poisonous political fights how to we slice the pie i am better off because she were worse off that is why we have to focus on growth and you dont get that with what obama has been doing with higher tax rates and i am not making a partisan point because bush did a lot of the same mistakes. Liz your behalf head the with the tax code agent for new drain capital by taxing capital out of the private sector it does not create jobs. That is why the obama class warfare agenda to punish the successful is so destructive because youve eats away at the economy. Liz and taxing the brackets will not create jobs. Have a good weekend. The government already takes onethird of every dollar yomake now Health Care Takes another 0. 25 of every dollar you will not have a [ chicken caws ] [ male announcer ] when your favote food starts a fight, fight back fast with tums. Eartburn relief that neutralizes acid on contact and goes to work in seconds. Tum, tum tum tum tums its not the juggle a bunch of rotating categories card. Its not the sign up for rewards each quarter card. Its the nogas, nomessinground, noearninglimithaving, doilooklikeimjoking, turboboosting, heavyweightchampion oftheworld cash back card. Thiss the quicksilver cashack card from capital one. Unlimited 1. 5 cash back on every purchase, everywhere, every single day. Now tell me, whats in your wallet . Pop in the drum of any machine. To wash any size load. It dissolves in any temperature, even cold. Tideod pop in. Stand out. [ engine revs ] [ male announcer ] the mercedesbenz winter event s back, with the perfe vehicle thats just right for you, no matter which list youre on [ santa ] ho, ho, ho, ho [ male announcer ] get the allnew 2014 cla250 starting at just 29,900. Liz for millions of americans the Affordable Care act is turning it to be anything but affordable. A new study shows middleage people could spend as much as 25 of their aid you in, for health care costs. That is just more bad news and Fortune Magazine is here also. This is the United States of america we are supposed to be a republic, a capitalist and we are socialized medicine. It is just not going to work detest the young people are supposed to take care of the old people now they have to take care of the middleclass . The bill just bail so where will the money come from . It will fail. First of all, it is not socialized medicine that is not what this is that would be if the government provided health care which is not what the act as envisioned. It is a way to get insurance to everybody that is a difficult process it is a clumsy process but the people in particular the middle class that fall just over the threshold to qualify are being hit with very High Health Care cost is favored to buy insurance from one of the statefunded exchanges but the question is what is the alternative . What would they have done before . Maybe that is even more than 25 percent of their health care. A year we saved a year we have all you can eat fast package you may not need or use the and if you have older people getting hit being faced with downsizing these individuals will say i dont know if i can afford the Health Insurance coming my way. They will be downsized out of their homes they may not even survive. This could be lifeanddeath for older people. I appreciate the theory but it is a working. The deadline keeps getting moved back and why the rules are changing in the resident unilaterally says we will do this because it isnt working you can say that it is not working but that doesnt mean it isnt working be you can save hundreds of thousands of people have signed up, the implementation is not going as well as everybody but like it to go. It is not a lifeanddeath when 20 million do have access to health care. Liz but if 30 Million People are on the streets but they were Getting Health Care through the emergency room system but you make the important point that talking about the threshold where you dont get the subsidies will recede middleclass america to save taxes are coming i will try to come down my income to get the subsidies rather than have the irs come after them . That is in interesting scenario similar to rich people or others that say i like to pay my taxes in the United States ally will move somewhere else some people will behave that way but most people will say it is what it is. The americans overall all the polls show they dont like obamacare. It is too expensive it is supposed to be Affordable Care act but did is more expensive for everyone. 25 percent of income . It. There is no way of. Dont confuse people there was a study done in california that showed some people who are near the threshold may have to pay 25 percent under one of the plan so dont confuse people right here we were saying that we talk about the high cost of Affordable Care that receive with premiums and deductibles spiking but there is another issue to hit on quickly is the ever changing deadlines at some point will this become an issue of the 14th amendment equal prottion under the law . That i am not getting a waiver i dont get equal protection is there a constitutional problem . Absolutely when it was pushed through a barely passed now we have all these changes how can the president do that unilaterally . I think the jury did new year the republicans will challenge him on that. Liz you have been terrific. Up next he will not believe the story. You could wind up in trouble and happened to one couple and it can happen to you. Dont go away. I take prilosec otc each morning for my frequent heartburn. Because you cant beat zero heartburn. Woo hoo [ male announcer ] prilosec otc is the number one doctor recommended frequent heartburn medicine for 8 straight years. One pill each morning. 24 hours. Zero heartburn. Liz right to a negative review online. Then you have to write a check because you are fined . One couple was just find a 30,500 for writing a negative review about a gadget retailer a couple complained in 2008 about christmas guests said they say did daughter arrived and now five years later cleared year once 35 for the dollars in fines and has even reported the couple to a Collection Agency that could damage their credit score. We have one guess is as they are right to our neck says the couple is correct civic the couple has the right to free speech they should say if they are dissatisfied she oy posted she could not get to a human that is a factor not defamatory this happened in 2008 net a big company can show the prove they have the ability to stitute ainer it is part of a contract in if they could there is no contract so clear deere never provided merchandise in exchange for the couple. Liz there is a non disparagement claus with terms of sale . Period those are becoming more and more common as retailers are online. I have a website i hope people who do we review it would be honest and truthful saw whether or not this was trees fall and whether or not this couple recently contracted away their right to First Amendment speech because you can give up certain rights. Liz i dont get it. Now all the suden shopping is about contracts and not disparagement . What is going on . This sounds crazy seven companies have a lot of problems because people are doing internet shopping theyre concerned about anything that could make them look bad. However they bury the language so you think i paid 50 and in the staging get this church if it comes with the whole you shld be able to say i am not happy Customer Service was terrible but instead they say no matter what you cannot speak your mind. Liz explain to the viewer isnt on the internet or the web site . Often there is a disclaimer with any purchase that you have too quick to agree to terms it is very small print document it is buried in their youre not allowed to do this it in the event you do recall if i knew and 72 collections. Liz give me a final argument if you agree why this is good for retailers. Do you agree . Vitter i dont agree that anything should be us up arenahink the contracts should be easily explained or understood by its allotted times lawyers are writing these contracts you just want to buy the cover but consumers need to be clear of the terms of the contract before they take this step. Liz i am global way do you think it is a good way to have these clauses . Just to go on the web site to buy some key your . It is hardor retailers and a do think there is an argument for the couple but athe same time the couple in the people who were out there need to be very careful they dont see something that is not true or disparity because they could be steered. Liz really appreciate you coming on the show. Get ready. New years eve will look like black friday but not looking for bargains. The government is now vo you are a business pro. You can separate runwayridi. Seeker of the sublime. From fason that flies off the shelves. And you. Rent from tional. Because only national lets y choose a car in the aisle. And go. You can even take a fullsize or above,nd still pay the midsize price. natalie ooooh, i like your style. vo so do we, business pro. So do we. Go national. Go like a pro. [ male announcer ] wt kind of energy is so abundant, it can help provide the power for all th natural gas. More than ever before, americas electricity is generad by it. Exnmobil uses advanced visualization and Drilling Technologies to produce natural gas. Powering our lives. While reducing emissions by up to 60 . Energy lives here [beep] [indistinct chatter] [kids talking at once] [speaking foreign language] [heart beating] [heartbeat continues] [faint singing] [heartbeat, music playing louder] im feeling better since you know me i was a lonelsoul, but thats the old me. Announcer this song was created with heartbeats of children in need. Find out how it can help Frontline Health workers bring hope to millions of children at everybeatmatters. Org. Liz when the government said remember you could not buy 175 lots incandescent lig bulb . Starting jay dray first they are beginning also the5 band 60 watts efficiency is on also pushg for more green energy and Energy Regulations are pushing electricity prices to record highs this is just government regulation run amoo. What do you make of this . The government interprets the law is that consumers must follow a and late interpret those you have to do with t government says we take your choice away and it will cost more and you may save money long term but it is possible butonsumers are pinching every penny now in because by cost of the bulbs will be borne by consumers who have no choice liz so advocates will say they say so what there is still plenty of white teen options we say families many and were also reducing Climate Change your mission. Nonsense. If people thought they were getting a good deal they would get a good deal. And there is pblems with joblessness in places like virginia and kentucky and ohio they are closing plants they bakeries in china is also the job savings does it make sense of and the cost of these products in a recession the government dictating what they should buy or when they should buy it is not the america we should the fed we should live in. Liz so you say these plans were in how many states now they are outlawed . There are plants in virginia or kentucky and ohio a and it is the fact hundreds of jobs have been lost the new labels come from china because they are labor intensive to make and it is cheap in china is not getting a bargain when they come back itill hit the consumer because of the high cost. Liz remember there were some shower heads that were outlawed . The keep having that in ditch it fair is popular. What is theext thing that consumers should watch out for . To regulate what they use in their home . Keep it with energy the high cost of electricity is not only with a light bulb but the coal plants. Look at what obama said we ll put the amount of business. That affects pennsyania, ohio, West Virginia and others. The war has been put out on the cold with a high cost of light bulbs in this is just the beginning to enable do with every sector. Liz thank you for joining us. Kottich west may head south. Details are coming up. Dont go away. Liz you are not the only one speaking out. So is the soul singer that says he will sue kanya west for using his voice without permission cineaste our twitter followers. We all lose any time it rains to process the lyrics of that song i would pay someone else to take credit. Who is better connected . That is our our legal system has gone. That song sox. Why someone would want to be associated with it is beyond me but nobody is more riot up and david asman. To be so completely selfabsorbed to that is not justhe motorcycle. Look at that hotshot. But i get really upset not just with selfabsorbed but they think they can do whatever they buoyant he always championing the cause he is not to for the of the toe guy. Remember he was supposed be so concerned about the pay which she paid her help 3 r hour it is hypocri. Liz to say he should pay a back the verb got put out of business with the overlay they had to pay a back to rolling stones. We have another one. Stay right there. If he does get sued for every penny he can prove to michigan to get free housing a half of a project renovating rundown homes to the artist lived there for free of charge and two years. This is an effort to rebuild the city but look at the twitter followers. The determines what is an artist . This coulbe another wave of people relying on freebies gimmickry housing is never a good idea. It has been tried to. I am biased because i was up for a writer i would have loved to free house. If they create the demise of the city because theyre so run down it is cheaper to put somebody in them than bulldoze to the ground then why not . Procrastinating venue cleaned up. They could clean up the neighborhood. Liz the think it could be helping with Economic Activity . Rick paihua i am being facetious. They are doing better being used than sitting there. Liz republicans may have been getting the holiday gift there were waiting for showing good gops leading over the democrats the with the latest poll but will double beds them keep going into the 2014 election . Wouldnt give you were say dont trust them to play a leading hand with their present leadership. I hope we can take the senate but we need good conservatives to step up to me it the democrats. Only three to a term president s have one the midterm elections. Bill clinton was one of them by the way. This president will not do it. He has stumbled so badly over the past couple of years but leading up to the reelection which is so strange he was reelected in a way republicans will win in the midterm because they have the tendency to pull the jaws of defeat that is why neil the dust has been brought up. He can now with this reporters behalf in 2010 saying how he could do all these things about executive help. To get everything that they want to get through a and that is dangerous. Liz we had a few words tweet is obamacare stupid and we already know there has been changes already. Do you think the president will risk more . To make he cares much more about his agenda and the Progressive Agenda than about anything else. Liz give a big hug your wife. Delta airlines vs. Walmart. When the company did the right the anything to the wrong thing. For the one that best up can you guess you did the right thing . [ engine revs ] [ male announcer ] the mercedesbenz winter event s back, with the perfe vehicle thats just right for you, no matter which list youre on [ santa ] ho, ho, ho, ho [ male announcer ] get the allnew 2014 cla250 starting at just 29,900. Its not the limit the cash i earnvery month card. Its not the i only earn decent rewards at the gas station card. Its the nogames, nosigning up, everydayrewarding, kungfufighting, silverlightninginabottle, bringinghomethebacon cash back card. This is the quicksilver card from capital one. Unlimited 1. 5 cash back on eve purchase, everywhere, every single day. So ask yourself, whats in your wallet . Just by talking to a helmet. It grabbed the patients record before we even picked himp. It found out the doctor we needed was at st. Annes. Wiggle your toes. [ driver ] and it got his okay on treatment from miles away. It even pulled strings with the stoplights. My ambulance talks with smoke alarms and pilots and adiums. But, of course, s a good listener too. [ female announcer ] today cisco is connecting the internet of everything. So everything works like never before. Liz we have the blitz of delta passengers getting a Christmas Gift of a glitch yesterday giving some customer a roundtrip ticket for under 10 delta will honor the affairs but when walmart. Com had a similar glitch for deals for just 8 a did not honor the prices. Now we have our guests to say why it is good for the companies to honor their price. Absolutely we live in the era where people shirk persona responsibility it is refreshing to see a Major Corporation to say we put it out there we will move you. I wish i had the opportunity liz Delta Air Lines cost i much higher than the 8 electronics you think walrt took a hit . I dont think so. I am not sure idgree with keith just because they have so fares they should honor them. They made an honest mistake people there was 60 ticket boston to honolulu was not valid. And it dealt the stepped up to do when i sing but companies as a shareholder i would be lifted. Lifted. So does that gain mitigate the loss that we incurred . That walmart and delta get to make their own decision witho the government intrudng. Now that is the concept right there that to corporations although they decided to be opposite made their own decisions without the government with no congressional hearings or data fraud. One simply said we will honor it the other said no. Liz we now have a senator from connecticut is saying to ups you have to stepup to make refunds. What did you make of that . What if in this case sorry, i lost my train of thought but the government should not be involved it is like a tax to say then they have to deliver by a certain time or date. Liz that was my fault sari. [laughter] twitter isot yet making money but making a bundle of cash. The stock dips to day but nearly tripled since it started trading last month. We could be looking at a bubble . It depends if you use the standard measurements of pricetoearnings it looks parabolic but getting back to the free market if there are buyers and sellers at every price than it does not frothy some of those great as stocks have looked that way at some point. With the market cap of twitter is bigger than valero energy, Archer Daniels midland, a marathon petroleum, a wellpoint, a targettwitter market cap is bigger than those companies . Absolutely ridiculous there is no way a company with a metrics value has not been proven should be worth more than those that make Real Products with Real Products around the world a social meeting is vastly erblown and this has been a momentum darling i would like to short it frankly. Liz is a double willis start trading down and what word tgger that . Let me give the analogy of tough love people said it is a bubble all the way in people made aortune. Yest was down on friday ended think it will drop rther. Liz it is time for the nightcap. What do you think about . Actually treasury yields over 3 the bears are overdone the yield is moving i am concerned that jimmy allen may lose control of the bond maet. Liz you have a lot to think about. [laughter] very smart brain cells. I am looking at the start of 2014 a think the first few days set the tone. I am hopefully looking, i think we are going straight up maybe think sideways a a little bit. Liz will you take sleeping pills . Said in a how you will sleep [laughter] i have never taken an a sleeping pill and i go to bet at 8 00 tonight. Liz i am sure that you are sleepwalking. I and teasing. I do think 2014 is the land of opportunity transitioning from holy smokes we survived to this could be growth. First quarter up or down . I think we go to 17,000 then we pull back. I am looking for a pullback but 18,000 next year. Liz we have to leave it in the morning. A buffalo look at Lower Manhattan in new york city. Its great to be with you here this morning and we have a terrific program lined up with best of imus interviews. Well begin with one of the more iconic pictures of a time from november 22nd of 1963 the image of a secret Service Agent leaping on to the back of the president ial limo after prq nnedy had been shot and that agents