Things such as smoking, obesity and other Health Conditions can force even those with employerprovided insurance to pay more. I run about five miles a day. I dont drink. I dont smoke. And by the kaiser Wellness Program that a number of employees who we represent are covered by im two pound from being overweight. Kaiser said in the statement their program is voluntary and charges no penalty for individuals who dont reach the programs goals. The rules for such a program put out in a regulation say quote, the program must be reasonably designed to promote health or prevent disease. There is such a lack of precision in what is going on ut there that, it is kind of troubling that this was so heavily incorporated into the Affordable Care act in the way that it was. Wellness is very, very popular in the corporate world. Companies are just beginning to post some pretty severe penaltys. In workers dont participate they can be charged up to 20 of their health premium, going up to 30 in january. Employers like Wellness Programs because they think they attract healthier workers. For instance, cvs drugstores 5posed measures. Walmart penalizes sneakers by as much as 2300 a year if they want coverage. And one analyst says the 50 penalty for smoking permitted by obamacare is assessed against the entire cost of the plan. So if you have a plan that costs 6,000, typical employee would pay 1500, he, his 50 penalty is for the full 6,000. So that would be a 3,000dollar premium increase. His premium, out of his pocket will triple if hes a smoker. Morse also argues wellness plans can be very intrusive, asking a series of rather personal questions. Have you ever had a total hysterectomy . How much do you weigh . During the past week i have felt lonely, yes or no . During the past week i have felt sad, yes or no . Theres an ongoing debate whether or not these programs save costs. One analyst argues they save more for medicare than employers because old age is one when unHealthy Lifestyles catch up to us. Melissa very interesting. Should obamacare be in the business of fining you for what the government deems a bad habit . Here now Fox News Contributor dr. Ben carson, radio talk show host ben wick letter. Dr. Carson, let me start with you, what is your reaction to all this. Well i certainly like the idea of wellness. Ive been advocating that for many years because our Health System is built around sickness f we built it around wellness it would be much cheaper. What i dont particularly like having the government impose it because it becomes too arbitrary at that point and, you know, i dont like the idea of imposing extra penalties on people because youve determined that their lifestyle is inappropriate. What i like is, a situation where Everybody Knows what the costs are, and if you happen to be living a particularly good lifestyle, maybe you get some reduction in the amount youre responsible for. If you keep adding money up and penalties, people never know where they are. They never can plan anything. Melissa i dont know. I mean, ben, i would ask you, is that semantics though . That is what really struck me during that story. Is there a difference between giving someone a discount for joining a weight loss program, which they have done in the past or Smoking Cessation program. They have done that in the past and people have been fine with. That is there a difference between that and penalizing people, charging them, for the bad behavior . Melissa, thanks for having me on and dr. Carson, pleasure to be here with you. I think we actually, all three of us agree that its great to by people a discount for having Healthy Lifestyles that reduce their Health Care Costs and thats most of what this program does. It is actually only the smoking that you pay extra penalties. Melissa im not saying that i agree with that. Im saying is there a difference . Im just conducting discussion. Good question. I think there is big difference. There is difference between having your monthly premium and seeing it go down versus seeing it go up. The studies found for every dollar that goes into Wellness Programs you get 4. 30 back in reduced Health Care Costs and reduced absenteeism. That makes a lot of sense to give People Discount on premiums in order to have a healthy lifestyle. I think that is great. Melissa i think it is math and semantics. Give everyone more Expensive Health care policy and charge everyone the smoker rate and by the way if you quit smoking or dont smoke, you get a 100dollar discount. It is more theyre setting arbitrary ideas what is healthy is good for you. The example in the package that we watched just before this was someone who runs five miles a day and ostensibly very healthy but is close to that number, that bmi, body mass index, where theyre technically overweight. Are the calculations too imprecise to make sense, dr. Carson . Theyre much too imprecise. If someone is bodybuilder and mostly muscle mass, and may look the same as someone with mostly fat mass but their weight will be considerably different. That is the one of the reince i dont want a bunch of bureaucracies making these decisions. The whole thing that is troubling penalties penalties, penalties meant to control peoples behavior. This is a way to get your foot in the door. Pretty soon well be penalized for everything under the son in order to creel us. We have to look at the big picture. Melissa ben, i agree with that point that is troubling especially when you pile on top of it questions we heard at the indof the story, have you been said lately . Have you been depressed . Have you felt lonely . They start to go into deeper territory rather than a black or white issue whether you smoke or not, it becomes another government overreach, does it not. All of those questions that the invasive personal questions are things that you used to get asked when you applied for insurance in the first place. You dont get asked those things anymore because now preexisting conditions cant be a basis for denying insurance coverage. Were talking about Wellness Programs that companies voluntarily opt into in order to help their employees stay healthy and not get sick while on the job. Those are not impoised by the government. Those are decisions that employees make. Employees can voluntarily participate or not. They get discounts if they do and pay higher premiums if they dont. Melissa dr. Carson, do you agree with that . Cvs imposes a 50 a month fine if you dont answer the questions i guess you could not take the insurance or work at cvs if you dont like that. Unfortunately those are not very good choices. Like with everything, it requires reasonable people to sit down and come up with reasonable guidelines. This is what were look lacking with obamacare. We have the imposition of peoples wills, those who know best for everybody else. This is why we get into these kind of situations. Melissa yeah. We could talk about this intelligently and come up with very good ways to incorporate wellness into a good insurance program. Melissa yeah, absolutely. Great discussion. Thanks, gentlemen . Pleasure. Melissa just a short time ago senior sac Portfolio ManagerMichael Steinberg convicted of insider trading. Steinberg faces up to 20 years for each of the four counts. Lets go to jo ling kent for more. Jo, i heard there was drama in the courtroom . Someone fainted . Yeah, thats right. Steinberg himself actually fainted according to reuters just as the judge was announcing jury would come into room and deliver what would end up being a guilty verdict. What happened paramedics went inside. They took his Blood Pressure. He drank some juice. He stood up again. The judge said we do care about your health. They ended up proceeding from there. He was convicted of one count of conspiracy, four counts of securities fraud. And he will be sentenced on april 25th. So a lot going on in this courtroom. According to his lawyer, steinberg has actually had this happen to him before. He had similar experience previously of fainting. So this is not something new for himps. Perhaps there is health issue in question, melissa. Melissa what does all of this mean for steve cohen and sac and the rest of the case potentially against them . Certainly, yes. This is the first conviction of an sac staff member. This could impact steve cohen and what the secs cases against him right now. So we are expecting to see more play out but it will be interesting to see what happens in the conviction april 25th and what happens between now and then, melissa. Melissa absolutely. One of the other figures in this case, mathew martoma, fainted on his lawn right before he was arrested. Really bizarre and dramatic case. Thank you so much, jo. No problem. Melissa up next, dont despair if you need a doctor now. A brand new app could revolutionize the way you see your physician. On demand appointment only costs 40 bucks. The founder is here to tell us all about it. Very cool. If you ever feared not getting a job because of bad credit, senator Elizabeth Warren wants to be your savior. Shy is backing a bill to ban credit checks by employers because she says they unfairly target women and minorities. What do you think . Do you agree with that . Tweet me. Tell me what you think. It is todays money talker. Well be right back. More money coming right up clients are always learning more to make their money do more. ann to help me plan my next move, i take scottrades free, inbranch seminars. I use daily rket commentary to improve my strategy. Plus, their live webinars. And my local scottrade Office Guides my learning every step of the way. Because they know i dont trade like everybody. I trade like me. Im with scottrade. announcer ranked highest in Investor Satisfaction with selfdirected services by j. D. Power and associates. 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. Melissa the doctor will see you now. For just 40 bucks. The a new app is about to revolutionize the way you see your physician. It is called doctor on demand. Here to sew you how it works is cofounder adam jackson. The show is called money. It is 40 bucks. Is that all it costs . Is that per visit . How does the whole thing work . Yeah, thats right. The app is free. Download it from itunes or Android Google store. No setup fee. No subscription fees. You only pay when you actually talk to a doctor. Melissa how long does it take to get an appointment . How do i do it . It is actually on demand just like the name of the company suggestions. It take as couple minutes to sign up. Well ask you a few questions at the beginning. What are your symptoms . What are you allergic to . Are you on any medications . Normal kind of medical intake stuff. Then you get right in there and immediately video chat with a doctor. Melissa okay, we have a doctor right here on our ipad who is ready to chat. Does that mean you doctors are on call 24 7 . If i woke up at 2 00 in the morning and i have a sore throat and want to see a doctor right then, what happens . Does your ipad ring and you quickly put on your jacket and tie talk to me. Doctor, can you hear me. Yes, melissa. So absolutely. We, our doctors are working shifts. Theyre licensed in the state upon which youre in. If youre in new york, you will get a new york doctor and illinois, get an illinois doctor. As soon as you enter into your information it will estimate the wait time. You will be connected with our doctors anytime of day. Melissa how are the doctors paid for this, dr. Basu . Sure. We have an overwhelmingly positive response from our doctors. There is over 1,000 doctors part of our practice. And theyre paid 30 out of every, out of the 40 for every call. Melissa interesting. What kind of stuff can you diagnose . Because you know i feel like if i had a rash i could hold, you know, whatever body part it is up to the ipad but, you know, if my problem is high Blood Pressure how will you monitor that . Yeah, thats a great question, melissa. So for a lot of the common, acute problems, coughs, colds, sinusitis, rash, a lot of those things this is perfect for. Not only can you up load a app, buu i could have you push on your sinuses. Show me exactly sore of where it is hurting and diagnose that acutely. For things that you mentioned specifically treating sort of chronic care issue like longer term diabetes, longer term hypertension, that really belongs as consistent followup in your doctors office. Urgent care issue this is perfect. Melissa you feel comfortable, you know, prescribing medication that way . Yeah. Again for those common ailments, you know, the urgent care type of issues, antibiotics or other medications are absolutely appropriate for this type of service. There are certain types of medications we will not prescribe. Obviously narcotics or pain medication. But for, you know, urinary tract infections, for prescription refills, for again, sinusitis melissa that kind of stuff. Okay. Adam, how, what kind of demand have you is it up and runing . What kind of demand have you seen for this so far . Were about a week old. We Just Launched in 15 states last tuesday. You know, mostly the big states and were going to be in 40 plus states in january. Demand has been awesome so far. People calling in. You know after the call they can leave their comments and rate the doctor and comments are coming back, oh, my goodness you saved me a trip to e. R. And saved me a trip to urgent care. It has been awesome so far. Melissa it would be for me, well worth 40 f youre sharing and giving them 30, how many doctors are willing to stand by the ipad and be ready to go to get paid 30 for a conversation . Doesnt seem like it is enough. Sure. This is volume game, right . If were only giving them one call per hour or two calls per hour, certainly not worth the doctors time. The doctor can see several patients per hour. When it nets out, you know, our doctors are actually being paid comparable to a doctor that would be in urgent care or primary care facility. Melissa real quick, because were running out of time, dr. Basu, the she is called money. That is why im asking all the personal money questions. Sure. Melissa is it worth it to you, how much do you have to make it an hour to make it worth to sit around next to your ipad . Thats a great question. Which have shifts, see four patients in an hour, that is 120 an hour which is on par or more than what we make in the [inaudible] melissa very interesting solution. Thank you for bringing the technology to our show. Got to tell you, i will probably sign up. Love it. Thanks a lot, melissa. Melissa up next, bad credit can prevent you from getting hired but with no job and no income you and your credit score could be sort of trapped in a vicious cycle, right . Should potential employers be allowed to check your credit . Tweet me, let me know what you think. It is our money talker. Have you heard of coins, it is supposed to replace your cash and credit cards with one little digital device. It may declutter your wallet or drain the money out of it too . 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So start a conversation with an advisor whos fully invested in you. Wells fargo advisors. Together well go far. Op to innovation. Open to ambition. Open to boldids. Thats why n york has a new plan dozens of tax ee zones all across thetate. Move here, expand here, or start a new business here and pay no taxes for ten years. Were new york. If theres something that creates more jobs, and ows more businesses. Were open to it. Start a taxfree business at startupny. Com. Melissa got a boatload of debt and sketchy credit history. We have new hero for you today. Senator Elizabeth Warren massachusetts democrat is sponsoring a controversial bill that would prohibit employers from performing credit checks on potential hires. But isnt a companys right to know how responsible you are . This is todays money talker, here to hash it out, julie roginsky, Charlie Gasparino, uhoh, and tara dowdell. Charlie, what do you think about this. Half of me says im a civil libertarian. I dont want people prying into my private life. This isnt private. You stiff a bank, credit card company, stiff anybody, a Business Partner that is part of your public record. By the way some of this is in the public. So why cant employers know about this . By the way if you have a history of stiffing people, youre generally not a good person. I would want to know that before i hired someone. Melissa work behind the register for example . I dont want deadbeats handling Sensitive Information in my business. Melissa are youing a grass if if aghast. Charlie gasparino lays it out there. Im aghast as Charlie Gasparino quasibig government interference. No, listen, look, if you have, lets say you had a bankruptcy five years ago. You fell on hard times. Maybe the market crashed. Things didnt go so well. Youre underwater in your mortgage. And you screwed everybody. Wait a second. Then you screwed everybody. Then wouldnt you want to know reorganize your assets in normal way. Wait a second. You decided you would be a correspondent for fox business or anchor. Why is it the business you skipped about 15 steps in between there. When youre in bankruptcy, you reorganize, right . So what is the point . My point is this, generally no employer is going to penalize you if you do the right thing. Melissa doesnt mean you will not get hired. Just means they could look. Your Credit Rating sucks. Melissa look at your Credit Rating. Maybe you had a bankruptcy but cleaned up your act. No, they see the Credit Rating. They dont know they cleaned up your act . Of course they do. They have a record. See the credit rate something bad. They dont see your , with all due respect they dont see your Credit Rating after that. How is that relevant . Youre changing the subject. When they see your postbankruptcy record. What if it was six months ago . When what if it was six months ago . Then you have explaining to do. No, you dont. With all due respect melissa they may not care. They may care. Melissa they may not. If you have a Corporate Credit card. Why would they first of all melissa get in there. Hundred of thousands of people have identities stolen every year and takes so long to get that cleaned up. Ask anyone who has been through Identity Theft, how long it takes clean up the Credit Report. Were talking years. Should someone be penalized for Something Like that, through no fault of their own . Melissa hold on. Why are we conflating Identity Theft which is obviously theft and bad thing melissa because it ruins the credit. With, somebody legitimately screwing their Credit Report up . Listen if my melissa hang on. Hang on. If employer came to me melissa everyone say that. My identity got stolen. You cant prove it . You cant prove it . Melissa i dont know. Bring a stack and ream of legal documents trying to get julie, you stiffed 15 people. Did you or didnt you do that. I didnt stiff anybody. Then we dont have a discussion. There is big issue here of the there is no correlation between Job Performance and peoples ability. How do you know . All kinds much studies i havent seen one. You havent seen one. I heard the gitmus institute that is not exactly melissa employer wants to know if somebodys responsible enough to pay their bills. That there is, whether or not you think there is a correlation of performance lets be honest. You think employers are whacking people out because they were late on credit card payments . Theyre looking at major no. They did that on their record. They admit they discriminate, quote, unquote discriminate against people who have a long history of bad credit which they should. Melissa emo says one in 10 unemployed americans are denied job because of their Credit Report. Who . Melissa demos. Demos. Theyre credible. Your civil libertarian credentials. Demos institute. Demos institute and i are stripping you of your credentials. Melissa i think problem is, that when somebody comes in and they see, they have a bad Credit Report and go to their employer everybody will sit in the other chair say it wasnt me. My identity was stolen. That sound kind of dumb to be honest with you, they will sit there and not ask you for proof about this . You have to get proof . My point is this. Why would, why would an employer just whack, if youre good at your job, why would they whack you out because of Credit Report . [all talking at once] this, Elizabeth Warren protecting deadbeats, deadbeats. No, no. Elizabeth warren who hates the banks. Elizabeth warren who hates the banks. Who think that is she thinks that people took out loans cant pay them back are wronged party. Melissa and c. Pulling plug on this whole thing. Thanks to all three of you. Are you planning to buy a coin . The newest replacement for your credit cards. If you are, you better stay with us. This digital wallet may cost you more than you think. Who made money today. Theyre using a mullet and r to sell the latest product and who would have thought . Stay here to find out who it is. Next time charlie against 10 people. More money coming up. My customers can shop around see who does good work and compare costs. It doesnt ually work that way with health care. But with unitedhealthcare, i t inrmation on quality rated doctors, Treatment Options and estimates for how much ill pay. That helps me,nd my guys, make better decisions. I dont like gsses with my business, and definitely not with our health. Innovations that work for you. Thats health in numbers. Unitedhealthcare. [laughter] melissa this would have solved all of georges problems. Think about never having to carry cash or credit card ever again. A new company coin, is making that a reality with its new digital wallet. It can hold everything you have in your wallet right now, with one plastic device but how safe is it . Tech know buffalos Todd Hazelton is here to tell us if it is worth the risk. Before i try to shoot holes in this lets tell everyone what it is and how it works. At its very simplest it is about the size after credit card, maybe a little fatter. It uses bluetooth to communicate with your phone and takes picture of existing club cards and credit cards. Melissa with your phone you take the picture. Exactly. Loads all the information into this device so you can leave your wallet at home theoretically, take this to any store or restaurant anywhere. Melissa there is little button on it to pay through with amex or this. Even gift cards you can put on here and then you swipe it. Right. Melissa problem number one, so i lose everything in one shot. The thief has my entire life. All the data is encrypted from there, if you move away further from a bluetooth signal it alerts you that you might have left your coin behind. But i talked to the ceo melissa what is it attached to your phone . Directly to your phone. Wireless. Melissa so if your phone moves that far away. You might have the phone in your pocket. If both are together youre at a loss. Melissa in a women es purse. Leave your purse behind and somebody has it and steal if it is swiped too many times there is another alert, hey, there might be fraudulent activity going on. Melissa so the theyre raising money. They have an indigo go site or something within the first 40 seconds they sold 10,000 of these for 50 bucks. After it comes on market it will be 100 bucks. Right. Melissa what do you think of their plan . Obviously people jumping on board if they sold 10,000 in 40 seconds. What do you think about it . My fear it took off way too quickably for even coin to recognize. I talked with the ceo. What happens if i lose my coin immediate, i want a new one . He doesnt know what is going to happen yet. There is no support system in place already which is kind of worrisome for me. There is no retail presence. So you couldnt go to best buy, for example, if you bought it on line, he has no plans to be in best buy yet so you cant replace it. No international presence. So you cant use just it overseas. My biggest fear if you walk into a bodega here in new york city, for example, right, we take visa and mastercard only and dont take this, and they look at it, say no. Your wallet at home there is no point. Melissa absolutely. What does this tell you about, so basically havent necessarily worked out the kinks. Right. Melissa doesnt mean with this kind of popularity someone couldnt come into the company to work out the problems. Right. Melissa does this tell you the direction were going in . People dont want to carry George Costanzas wallet with them . What is the potential solution . I think so. I backed it with the idea of ditching my wallet. Melissa what do you mean you backed it . I bought one. Put 50 in, hey, give it to me. Melissa yeah. But i think the problem is, weve seen Google Wallet which works to try to do the same thing but with our phones. That didnt take off soowell. Isis which is backed by verizon, tmobile and at t. It is still in the early stages but doesnt seem like adoption is there quite yet because the problem is, people dont understand, theyre so used to, clerks in stores and everybody is so used to cash and cards, when you walk in to pay with your phone or this card, it looks like a card but black. Kind of looks like a hacker device. Melissa were always resistant to technology. People wont shop on line because they want to go in store and touch stuff. They will never order it. V online and lo and behold here we are. To be completely honest somebody has to do right and apple has to do it. I like apple passbook. It is great. Thats probably where well start. Melissa todd, thank you very much. Anymore. I got to get out of here. I got to get out of here calm down. Get ahold of yourself. Let me handle this. I calm down. Get back to your seat. Ill take care of this. [screaming] calm down, get ahold of yourself. Youre wanted on the phone. Melissa boy, that is what it feels like to travel during the holidays, right, before you board a plane for the holiday destination you want to hear this. You could be headed for a holiday to hell. Fors put out the list of best and Worst Airlines for holiday travel. Are you ready . It is too late, right . You already bought your ticket. Youre bracing to see if it is on the list. Get this nearly a quarter of all flights arrive late during christmas and you new years season last three years. A quarter are you paying big bucks to get stuck on the tarmac . We have cofounder of fare compare. It is depressing a quarrer of flights were late. I dont like those odds. Is it because of weather this time of year or more people are traveling or airlines are just horrendous . Well for the most part it is about weather. But the problem if weather occurs for example in newark or new york area and in some of these kilocation it is trickles down all the way through thh country. A canceled flight in new york ends up being delayed flight in los angeles several hours later. So it is all about having one major storm. We saw this a couple weeks ago when they had the huge storm in dallas. The first time in the history of seeing 50 of all flights delayed or canceled that day across the country just because of an ice storm in dallas. Melissa no, agonizing. Talk about the winners and losers because people at home probably already bought their tickets. Theyre already locked in. Tell them if they have good or bad news. The best airlines. Hawaiian airlines. 8. 9 of their flights were late. Sure. Melissa over the holidays. That is the winner. That is still like one in 10. That is not great to be the winner. Yeah. Airlines would love to have 75 of their flights, 45 minutes between island and 75degree weather most of the time. Melissa right. So i can see why Hawaiian Airlines wins but they perpetually win this particular contest. You can be rest assured, melissa, the Airlines Give bonuses to their employees if they have ontime arrivals. Melissa really . Hawaiian does or all do . A few of them do. Alaska airlines. Melissa alaska theyre obviously in tough weather territory theyre number two. Us airways is the number four. That is the only major on this list were looking at now. Sure. Melissa of course they just merged with american who is in the middle of the pack. Do you think they pull us airways down from that rating . Absolutely they do. Because what, theres a dirty little secret in the ontime arrival statistics business is some airlines actually pad out their schedules so they add an extra 15 or 20 minutes so they look better in the statistics. Remember the statistics go in literally dozens and hundreds of media stories. Plus people get paid on them. Melissa very important the Worst Airlines, frontier, jetblue and southwest. I was surprised to see jetblue number two in terms of worst. What can they do to clean up their act real quick . Well, theyre going to be cleaning it up because they have a lot more presence down in florida and some warmer weather locations. Because theyre centered in new york and growing pretty dramatically in boston, two rough weather cities during the time frame i dont think you will see them get much better during the holidays but yearround theyre actually pretty good. Melissa sean, thank you so much. We appreciate it. Rick, sorry. My apologies. Thats okay. Melissa boy, did we have some dire predictions on last nights show. Forecaster harry dent said all signs point to an economic collapse. Is the stock bubble about to burst . Wait until you hear this. At the end of the day it is all about money. 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Stick with technology. Get the flexcare platinum. New from philips sonicare. Melissa youre saying that bubbles have burst when weve seen levels like they are right now. Are you saying there is bubble right now that is goes going to burst . Is it equities . What is it . Absolutely 100 , if the bubble doesnt burst in next year or two i will hang up my economic hat. Melissa that is it. He is on the record. That is economist harry dent throwing down the gauntlet on yesterdays show, staking his reputation on the idea were on the verge of a major stock market correction, collapse, bubble burst, whatever you want to call it with the fed finally announcing plans to taper is the Economic Outlook for 2014 looking brighter . What does it mean for stocks . Here to weigh in, buy stasi and Jonathan Hoenig who is also a Fox News Contributor. What did you think of harry dent . Do you agree. He is proven to be a terrific contrarian. In 1919 he wrote a book, roaring 2,000s. Melissa are that way saying he is always wrong . In march harry dent was dow talking to go to 3,000. Today it set alltime highs. I discount a lot of his prognostication. Markets have a tendency not to collapse but they have a tendency to trend. We saw new alltime high. Weve been talking about a bubble. The trend remains up. Melissa weve been doing things to the economy and, to america we have never done before. I mean the fed is pulling out all kind of tricks. We dont know where this is heading. Just because we havent seen it before, doesnt mean that it is not coming brian, what do you think . This call would be comparable to me saying, i found a unicorn running around the forest. This is a reckless and ridiculous. Heres the thing. We dont know there is bubble until market is 15 off the highs. Joe the food truck owner is trying to pitch me a penny stock. We have dont know in hindsight. I agree with harry correction could be 10 middle. Year because what were seeing in markets. For instance, massive dividend increases. What are they though to do . Melissa correction of 10 sometime in 2014. Correct. Melissa you dont feel that is bubble bursting. That is just a big correction . That he is room alty check. That is normal tockstock market. That is what stocks do, melissa, 10, 15, 20 until they get to legitimate bear market territory. To brians point we dont see all the evidence of a bubble. We dont see manic buying by public. Got to get in that type of mentality. 1919 is a bubble. This is all do respect, harry dent selling his latest book 1999. Melissa where we are in the stock market is that justified what is going on in the economy . Or is it a function of what the fed has been doing and what risks are we taking now as we see today, the reason why were talking about this, the fed has signaled they are beginning to take away the koolaid right here where we are. Does that make you nervous . Are we at risk for a big correction . Jonathan, what do you think . I think the risk is in bonds of the thats the area that has been manipulated melissa. Whether ethanol, whether housing, whether student loans. When government gets involved manipulating to your point, results are disruptive. Melissa given what is going on with unemployment, given how sluggish the economy has been, there doesnt look like there is anything out there that is very positive in the economy. It is not getting worse but it is not going full bore. So why are stocks at alltime records . Do you think that level is justified . Brian, what do you think . This is case of high and the low. Melissa what does that mean . What is the case of the high and the low . The highend consumers are doing well. Highend consumers are essentially driving corporate profits feeding stock prices. Ultimately look what happened to the Federal Reserve. They tapered. Stocks went through the roof. Melissa because they barely tapered. They are sewing seeds of a bubble. The reason stocks went up they barely tapered and said they would keep rates down forever. Jonathan, basically the market rallied because they said the fed isnt, theyre sort of taking away a little teeny bit but theyre showing they dont really want to scare us so well stay at the party a while longer, no . Keep talking about keeping quantitative easing in place. Medical are lissa, bonds were down today. Bonds are down all year long. Rates are going higher regardless what the Federal Reserve says about them. If you want to bet against bernanke, shorting bonds, not shorting stocks. That is what im doing at capitalistpig. Com. Great discussion. Thank you. Thank you. Melissa new way to get deliveries when youre home, can you imagine . Who doesnt need that this time of year . I cant believe i didnt think that myself. The founder of the company and how he will make your life so much easier. Stick around. You can never have too much money. [ male announcer ] e new new york is open. Open to innovation. Open to ambition. Open to boldids. Thats why n yor has a new plan dozens of tafree zones all across the state. Move here, expand here, or start a new business here and pay no taxes for ten years. Were new york. If theres something that creates more jobs, and ows more businesses. Were open to it. Start a taxfree business at startupny. Com. [ male announcer ] the parking lot helps by letting us know whos coming. The cas keep everyone on the right track. The power tools iroduce themselves. Allhe bits and bulbs keep themselves stocked. And the doors even handle the checkout so we can work on that thing thats stuck in the thing. [ female anouncer ] today, cisco is conneing the internet of everything. So everyone goes home happy. Melissa time for a llttle fun with spare change. We are halfway through the holiday season. Packages are flying around the country. But if youre not home during the day you could miss it, right . Thankfully a new startup is changing all that, bringing the packages to you at your most convenient time. I can not believe i didnt think of this myself. Lunar moon lit deliveries cofounder joins me now. Tell me how this works. It feels to me im paying for delivery twice. How does it work . Yeah. So you go on your amazon ecommerce retailer. You purchase a package and put in our address rather than your own or work. You ship it to us. We receive it for you. We ask you a simple question, when are you home for the night. From there we create a delivery window between your entry and midnight. We cross that with bunch of packages in your area at the same time and let you know a small delivery window. From there we send one of the delivery drivers out to bring you your package. Melissa very cool. How much does it cost for your leg of the delivery . It costs 6. 99 per delivery and deliveries can include multiple packages in them. Melissa how many packages, you said you cross reference with other places in your city. How many packages do you have to deliver in an area in order to make it worthwhile for you . Because it sound like it will cost that in gas and employees time to get something up and running for a make for seven bucks . Sure, deliveries is a scale game. All about getting more packages in the system, more Customers Using it and more efficient with our drivers and fleet. Melissa sounds like the beginning of webvan. What cities are you in right now . Where do you plan to go . Where does this work . Were currently starting in san francisco. We have plans to expand in major cities which this is entirely a problem, new york, excuse me, were already in san francisco, chicago, l. A. , et cetera. Melissa where does this lend itself . New york is a lot of place where people have door men or get door men to solve the problem you have to have a lot of depositionty for this to make sense. You have certain obstacles. What do you think your sweet spot is . Who is your ideal customer . Our ideal customer is professional in a city. New york has a lot of door men but a lot of people dont have door men. They have 60 of the buildings with nine or fewer that cant receive packages but definitely a problem across the board. Melissa if theres a problem with delivery and return it for size and get a new one is it then 7 to come back to you and 7dollars to come back to me again. We currently dont handle returns and something were exploring future deliveries. Your first one is free as a new customer. From there it is 6. 99 per delivery. Melissa what about weight . There was this great story about somebody with a huge 50pound kettle ball who couldnt get it delivered at home. Was that you . Is the origin the company, story i read about. That was me. Melissa that was you. That is very, very heavy. Do you charge differently for 50pound box versus, you know, a box full of whatever, pens . Right now, no, we dont but it is something that were looking into and well make some changes in the coming months and address that specifically. Melissa do you, who is supporting you right now . Do you have venture backing . A lot of people interested in the business . There is a lot of interest right now, yeah. Melissa thank you, zach shapiro, thanks a lot to you. Interesting concept. Thanks a lot. Who made money today . Approval for the multimilliondollar buy yacht helped hype the stock. A new ad for retro haircut might help as well. Not sure who it is. The answer is next. You can never have too much money. Mine was earned orbiting the moon in 1971. Afghanistan in 2009. On the u. S. S. Aratoga in 1982. 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Tell your doctor about all medical conditions and medication serious side effects couldincluk decreased sperm count; ankle, feet or body swelling; enlargedr painful breasts; problems breathing while eeping; and blood clots in the legs. Common side effects include skin redss or irritation where applied, increased red ood cell count headache, diarrhea, vomiting and increase in psa. Melissa whether on wall street or 19 street,e here is who made money, owners of nokia. Wall street seemed happy it has cleared hurdles. Shares rose 4. 7 . The new ta tablet may have had something to do with it . All right getting a huge raise today, hewlettpackard ceo meg whitman. Making 1 for last 2 years she has worked to turn the ailing pc and printer maker, stock is up 21 since whitman took over, she will make 1. 5 million a year now. Making megamoney, you know where im going, two insanely lucky winners of last nights 6 636 megabillion lottery. In florida 8,000 world of tickets of sold between 9 and 10, winners from atlanta, georgia, and san jose, california, they split second biggest prize in u. S. History. Talk about a happy holiday. Activity not me. That is why im here. I hope that you made money today, tune in tomorrow with ron paul back. Trust me, you do not want to miss this one, last time he was talking about when run away inflation is so its way. Well drill down on that and how much he hates the fedd get your money fix. Here is the willis report. Gerri i am gerri willis, on the willis report, Senate Passing budget bill cutting military pensions. Well have reaction. And starting in 2014 it will cost more to get a mortgage. The new fees, january is dday for fed, what will start of tapering mean for consumers . Were watching out for you tonight on the willis report. Welcome to the wer willis repor, your her