Deadlines delay or that each state has a different deadlines and list of registrants on the exchange may not match the list the governments have. Ultimately the cost is going up and you will pay the price. Here to break it all down, a Weekly Standard editor and fox Business Correspondent rich edson. Daniel, i want to start with you. We get some different numbers when we talk about enrollees for the Affordable Care act, obamacare. Whats the real number . Just because you enroll doesnt mean you have bought insurance, right . Thats right. The real number is when you first pay for your premium. That is when you have insurance. Just like anything else youre getting covered for, anything else that youre purchasing. You dope have it until you pay for it. So until you have made the first payment i dont believe you have Health Insurance. Adam so do we have any numbers, rich, who actually made those payments and how many people we need to make those payments to make the system work as intended . No and we dont even know when the deadline is for that payment. Now the Insurance Companies for the federal exchanges have pushed that payment deadline back to january 10. You can retroactively get Health Insurance. Say on january 5th, you decide to go to the doctor, the Insurance Company will cover it if you pay that premium by january 10th. That is the federal layout. States have different rules on this one, different exchanges on this one. The bulk of the states participate in the federal exchanges but its a bit unclear when exactly in each state you actually have to do it by and research it by your state. Adam i am totally lost. How is anybody going to make heads or tails of this . Rich, how are Insurance Companies going to figure out who they have to bill to retroactively cover what they went to get covered for . Theyre hoping the system works. The other problem with the Insurance Companies for the first couple months that healthcare. Gov was operational, there were props on the back end when would you complete your form, you would fill it all out. The website and the system was supposed to send that information to the Insurance Companies. They mad a major problem getting Incorrect Information and incomplete administration. The administration cut back on that and those errors. Were not still sure exactly how much Bad Information the Insurance Companies have gotten and what happens on january 1st. On wednesday when the Insurance Coverage kicks in, that is when well really know if the Insurance Company has the information right and have you actually insured and covered. Adam daniel, there is this expression, theyre looking for the phantom and ghost enrollees. What does that mean . Can they find them and who are they . That is just it. Have you ever seen somebody hold up their Health Insurance card say, see here, i have obamacare . I havent. I followed this pretty closely. I know you do as well. It is not to say they dont exist but its, that they say, a million to million 1 2 people signed up for obamacare i think is a bit of a misnomer. I think well discover people who thought they had health care dont actually have health care. Again were going to see major confusion come january 1st and beyond. It is only going to get worse. Adam if it gets worse, lets get into something we all understand. There is a certain number of people who have to buy insurance, not enroll, but actually pay the premiums for this to work, for Insurance Companies to be able to provide insurance. Will we meet those numbers . Daniel . It is not looking promising. They say seven million by march. Best Case Scenario we have million, million 1 2 people who paid for Health Insurance. That is the bestCase Scenario at this moment. I dont know how they get an additional 5. 5 million in the next three months when the first three months have been so pathetic and had so much attention. Now of course they have all the planned campaigns of Insurance Companies will be running ads. There will be a lot of ads on television. Does that change people . If you wanted Health Insurance and havent gotten at this point are you now going to get it . There are a lot of questions we dont know the answer to now but it doesnt look promising for the administration. Adam rich, how does the administration go forward . Will they need money to prop up the system in addition to what has already been allocated . There cant be a separate appropriation. That will not pass congress. They will need republicans to help on that front. There are fail safes in the law, if youre insuring people older and sicker, the federal government in some cases go in and supplement that, make sure companies are not really losing too much money because the younger, healthier people are not going into the pool. That becomes a more likely scenario, the backstop in the law, already written and passed. Because what the administration has done, if youve been kicked off the plan because the law phased out your Insurance Plan because it wasnt up to standard, you can go back and buy a catastrophic plan. That is a change the administration announce ad few weeks ago. The problem with that, it is a bare bones plan, a cheaper plan. Not as expensive. What the administration wants and what the system is designed to do, younger, healthier people buy more expensive insurance and help supplement and subsidize people who are older and sicker. That might not happen with all the changes weve seen and the low enrollment numbers. Adam daniel, i will give you the last word. If im one of those people rich identified, im under 30 which im not and if i were under 30 what is the incentive for me to do this . I would think it is best to sit out and see how the cards fall. They cant discriminate against if you get sick. That is the point of obamacare, anybody can enter on the exchange, im fortunately covered by my employer. So i dont know but i dont understand why somebody would enter into this exchange knowing that once they get sick at the can enter into the exchange. The flip side is since im covered under my employer and a lot of people at home are covered under their employer, that whole thing hasnt even been touched yet. That is the problem for the next year when the businessman goes in and, thats a whole, thats a whole other can of worms we dont know what will happen. Adam we will keep talking about this. Daniel harper, rich edson, as they say in the hitchhikers guide to the galaxy the answer to all this is 42. Thank you both very much. Up next you know who the experts are when it comes to rising inflation . Typical american moms. They are seeing and feeling the squeeze more than anybody else this year but well tell you what we can look forward to in 2014. If you have the suspicion you are about to get laid off, definitely keep watching. We have the telltale signs that your boss wants you out. Our money talker is all fired up. More money coming up. Adam presents are unwrapped and chances are the 10 lord a leaping put you back a little penny. Analysts at pnc bank estimate the cost of the 12 days of christmas now a whopping 127,000. That is a 7. 7 price jump over last year. Can you blame inflation . And what is in store for the year ahead . Here to answer that question economist peter morici, and James Freeman from the wall street journal. I will start with peter. We keep hearing from people on high, the Federal Reserve and the government there is no inflation. What would you say to that . I think a gallon of milk is almost four bucks now. The cpi is nothing but an average. Last month, shows you how deceptive averages can be the price of tbone steak was down but price of hamburger was up a lot if your mom may be making it on 40, 50,000 a year with two kids, you dont buy it. Bone steaks. All you know the price of hamburger is up and this months meat loaf is more difficult and expensive to make. Adam the cost of things in real world has gone up, right . Depends on what you buy. Cost of living well as the 12 days computation points out each and every year goes up quite dramatically. If you talk about living the way people did 100 years ago at our level, life is extraordinarily expensive. After all, who can afford to live in manhattan these days. Adam thats a great point. James, how do you respond to that . We keep being told were facing deflation. It is reasonable to expect there will be inflation given the way the Federal Reserve is printing money. It is very hard to argue there is consumer inflation right now. Whether you take cpi or these other measurements, it is very moderate. Sure it is an average. Some things are going up. Other things are going down. Adam the price of gasoline has come down. When you look at all the numbers it comes out to very moderate, closer to 1 than the 2 target the fed likes. Adam so we know the Federal Reserve in its policy trying to create inflation but let me pick up on something peter just said. I will ask you first and then i will go to peter on this has the Federal Reserve created artificial increases in housing prices . He mentioned who can live in manhattan but for that matter housing seems to be very expensive across a lot of cities. At love assets prices are going up. If youre saying there is inflation, that is where you argue it is happening. More than housing, i would say the stock market. 25 plus gains this year. I think American Business has done a great job in a tough environment these past few years. Very hard to say based on fundamentals, prices ought to be 25 percent higher than a year ago on stocks. In terms of stuff we buy at the Grocery Store and christmas presents, people are buying, paying a much bigger tab probably because theyre buying more as opposed to prices going up. Adam National Retailer federation was printing 3. 9 . Well be lucky if it is 3 . We havent gotten final numbers on shopping. Peter what about that . The price of housing has gone up nationwide, seems to me that this is bubble, potentially a bubble that could have negative effect in 2014 . Now that Interest Rates are going up, and people are priced out and those who bought, could they see a drop in value . Someplaces they may be overpriced a bit, simply put a house affordable by general population at 4. 5 wont be affordable at 5. 5 30 of this year rate. There are some things we have to buy. Who owns a sell phone, laptop, computer, ipad, those kind of things, 10, 15 years ago . Also think about all of the unnecessary Health Insurance. My favorite example, a 55yearold nun who works in the community, doesnt work in the convent has to buy a Health Care Policy thanks to mr. Obama or pay not a fine but a tax according to Justice Roberts that includes maternity coverage and birth control. How ludicrous can you get. But those very Expensive Health care policies, once more, city and state governments have been raising taxes with reckless abandon, yet the quality of services goes down. Thats not in the cpif it were, i would suggest inflation would be a lot higher. No argument. Obamacare is raising the price of your Health Insurance. No argument taxes are too high. Unemployment is too high but lumping in this Group Technology products, i mean that is really a disinflation nary force. You think of the power you get in device you carry around in your pocket today, versus 20 years ago. Those prices have plummeted. Adam i will ask the question to both of you. Start with james and go to peter. 100 years ago i realize we didnt have computers and those things, if you do averaging out is it more expensive to live today or technology brought down the price of every day liveing . We have a higher living standard. If you wanted to just have stuff, average person had 100 years ago i assume they can have it much more cheaply. We have Higher Expectations now. Higher bills are in part because we do like to have a lot of these electronic device, et cetera. Adam peter, im going to throw that one to you but i will add a little bit to its next year, 2014. Is just everyday life going to be more expensive . Well in terms of 100 years ago, go back and watch the movie, life with father. Okay . The top 10 to live the way they did it is astronomically more expensiveness today than it was 100 years ago. For a middle class person to have middle class existence like, life with margie, the 1920s movie, the life is less expensive. Will prices be higher in 2014 . Absolutely. We will have some inflation. Maybe not enough to satisfy janet yellen and she will keep her metal to the pedal. Pedal to the metal, excuse me. Adam it was a long holiday. Hope you enjoyed it and had some champagne. Peter morici. To you as well, james. Money is flying around the world starting in australia where the man is selling his home for bitcoins. Cliff white is so taken with the Virtual Currency he accepted an offer on his house from an american buyer. White who owned the home for more than a decade, plans to keep the proceeds as bitcoin because he expects its value to continue to grow. I will sell this guy a bridge in brooklyn. He originally purchased 9,000 in 2010. It is nearly worth 100,000. Not a bad return. In u. K. Brits are going crazy over boxing day sales. Seen Retail Stores slash prices in an event similar to our black friday in united states. Shoppers rush out to stores in city Centers Across the u. K. To find bargains on bigticket items. They lined up for hours despite heavy rain that had part of the country under water. Authorities find illegal smuggling tunnel from the south to hong kong. It started in a parking lot and stretched for almost 130 feet under a river. The tunnel was discovered after locals complained of drilling noise they assumed was part of a construction project. Authorities estimate the tunnel could have cost 500,000 to build. Unfortunately for the smugglers, it was several feet shy of being completed. Too bad for them. Coming up can the Housing Market survive the year ahead . Mortgage rates are going up. New rules for lending are on their way. Well tell what you homeowner hopefuls need to know for the coming year. And what to do with that ton of gifts youre never going to use. Stick around to hear how you can regift with grace. Piles of money coming up on melissa franciss money, the musical. This is the quicksilver cash back card from capital one. Its not the juggle a bunch of rotating categories card. Its not the sign up for rewards each quarter card. Its the nogames, nomessinground, noearninglimithaving, doilooklikeimjoking, turboboosting, heavyweightchampion oftheworld cash back card. Thiss the quicksilver cash back card from capital one. Unlimited 1. 5 cash back on every purchase,verywhere, ery single day. Now tell me, whats in your wallet . Adam is the housing recovery hitting a ball . Wall . Mortgage applications hit a new low, 13year low. Mortgages are the is the to become more expensive in the next year. Can the Housing Market survive higher Mortgage Rates. Help explain it for us. Xpert to lets get down to the nittygritty. Mortgage rates are approaching 5 for conventional 30year mortgage. Will that scare people out of the market . Adam, perspective is everything. Im a former mortgage broker. I used to write mortgages and wrote loans. In my career i could get somebody 7 1 2 or 6 1 2 they would think im a miracle worker. Were burning up to what would be historic alltime low rates. The market will survive a 5 rate. Not only survive, 2014 will show appreciation in increased purchases. Adam how can that be . We have five, almost six years of people expecting Mortgage Rates to be in the 4 range. Im old enough to remember Mortgage Rates youre talking about. A whole generation of people come into the market, they will think five, 6 , that is high. Sure, adam. Even at 5 , 5 1 2 , homes are still affordable for the average person. When we look what home should you be buying, if someone buy as right home with the right payment were still in phenomenal time to buy, very affordable rates so i dont think well see a slow down of any great proportion. Historically when we have dramatic increase in Interest Rates resulting year resulted in still having appreciation in housing prices. Adam in 2014 will it be harder for people to obtain a mortgage because of new doddfrank regulations as well as changes at fannie and freddie mac. It all depends, adam. Well see. As Interest Rates come up, lenders have to be competitive t might be easier in some regards to get a loan. It will be more expensive though. You know what . At end of the day we have wants to have barrier to entry. We dont just want anybody walking in and buying a home. We want a good credit score, good employment, that way we dont get back into the situation we had in starting in 2007, that we have for the most part recovered from. Lets not go back there. Adam let me ask you this. One of the new rules, exceeds 43 income level it wont receive approval. That is not 100 accurate. If a bank wants to lend you money on that kind of ratio or worse, they can certainly do it. Depend on your circumstances. What is this referring to . This is mower of a fannie mae, freddie mac situation, isnt isnt. That is, adam. Loans purchased by fannie or freddie on the secondary market. They want the borrower to be able to the afford the loan. They dont want the payment more than 43 of the what you make. Private lenders, banks, can write loans at portfolios at any rate they want. Adam i cant imagine anyone issuing a regular mortgage at 41 debt to income level . Is that happening now . I thought that went back south five years ago. In adam, certain areas of the country is it is happening, california, new york, housing is very expensive, 43 is the absolute max. Most lenders try to stay well under that. To imagine what would be done in home loans all we have to go back to 2005 and 2006 to remember when anybody could get a loan, whether you had a job or not. You didnt have to pay all the principle and interest. You could go backwards or upsidedown. Adam reverse amortization. Yeah. Adam let me ask you this, do you know any Financial Institution issuing those loans at 43 , 43 debt to income . We know theyre available. I dont have any documentation of anyone who is actually doing it. Most of the lenders are trying to stay under the 40 threshold. Adam trying to stay under 33. Theyre trying to stay under 33 . No question, adam. Thats where it should be. When we really think about what someone makes in a month, we dont want them spending after half their income or anywhere near half their income solely on the housing payment. Remember they have the housing payment. They have cars, insurance, food, groceries everything they have to do. This they want to stay very low so homes are affordable an we dont go backwards. Adam we dont want to go backwards especially those of us who bought this year. Thank you, adam. Adam is your boss acting more stranger than usual . That is loaded question. You may not be imagining things. Do you think you know the signs youre about to be shown the door . Tell me and tweet me what you think. Tough listen to this one. Who made money today . This math teacher is being paid 50,000 bucks to ditch the school books and head to the football field. Stay tuned to find out who it is. At the end. Day it is all about the dinero. Mm. Mmhmm. [ enne revs ] [ male announcer ] oh what fun it is to ride. Get the mercedesbenz your wish list at the winter event going on now but hurry, the offers end december 31st. [ sant] ho, ho, ho [ male announcer ] lease the 2014 glk350 f 419 a month at your local mercedesbenz dealer. [ male announcer ] lease the 2014 glk350 its been that way ysince e day you met. 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People have to wait to sit down if he were headed for trouble we have some signs you are close to getting fired right now. Here to talk about this is dr. Ludwig cant mr. Goodman. Lets start with this. Your level of responsibility has taken a nosedive. That is a sure sign if they want you to train the next person is also a sign. [laughter] my friend trade his replacement using he did a good job . What motivation . It is not in any pettys best interests. When the boss of the oas you that is the sign hall. Talk about that. He is the bbg picture. It is though level of not being included. The fear of missing out. Then when that happens out work to have a problem. If you feel the use the meetings and you are not invited refresher resonates. Adam there are meetings i dont want to be there. [laughter] watch the the Performance Improvement plan. That is also a sure sign. Adam what about disciplinary action . It seems in big corporations is essentially you are underway out a and we the to give you the option to fix yourself first of. Co lot of it is legally we have to do everything we can do now there is the door. But better it is psychologically a colleague told me when i was fired publicly they did not say was fired they told everybody was my choice a unified did that make me feel bad . But it is smart because the devil all of the people elected is three did raging to get fired and not everybody can tolerate that. Guy has been in situations where i was laid off 50 years ago from a media company. The person tried to find leon facebook six lets go. I see you on tv. I am looking for a new gig. Keep looking. [laughter] but getting fired years ago the you go in a different direction than eight months later they said we client to put you back. You never know. Did not take him personally of less you really did do something wrong. Then find out what do i need . Do not punch your boss. It is a small world. All hail the robots . Given that is happening at the restaurants. Apple these will put something on the table. Able to outsource the coffee. If you have the 3d printer it takes at what used to be specific when you can print to the meal without meeting a shaft, that is called arbys [laughter] no more professiooal development . If you have it they want you better with. They are not investing in you any more. Then all of a sudden the budget is cut . Something comes down the pike. The company that was recently acquired. We intend to create more efficiencies that is code for fired. Also new Companies Get territorial. They dont want to the same people who remembered how in it was. They want a fresh blood and it makes sense seven just like mens wearhouse. This is great. That was not objective. Now they go the other way but. Even in time warner it was the acquisition on a merger and those were shown the door. But it. That should say that right there here is your punishment. [laughter] civic they dont know what you have been doing. Should you always be in communication with your superior of your own initiative . Yes. But companies are not loyal so keep your resonate updated and your network. This time of year in particular ask for the evaluation. What can i do to improve . And just give me a quick rundown. [laughter] melissa l. Wants to know. The message being given to everybody who is still waiting for their Christmas Gift in the mail. How did this happen . Well get pushed customers back into a brick and mortar . When we get back. Adam a lot of people are still waiting for holiday gifts. No blaming santa. Ups and fedex both failed to deliver weve been walmart and amazon scrambling to appease angry customers. Who was at fault and what do you do if your packages have not arrived . We will talk about a lot of issues but lets get to this issue. Amazon is played being essentially ups. Not fedex but ups. They said there are some packages we could not deliver. How could be ups the and say that . They are a magnificent companies. Timeline is hurt logistic. Fedex add 230 million for a month and ups was one week they built the business of all about logistics and this is where you see that epic fail. They failed with logistics workout what had happened is everyone they did not anticipate every one going on line for the mobile devices to buy their gaffs. I was looking at a study by if paypal. 53 would rather go on line as opposed to walking in the store. They cannot figure out that logistics. Adam now i take the Counter Point in their defense at. They were anticipating it 7. 7 million packages just on monday. It is the close loved so it tells me they were anticipating but is it amazon end walmart got so many more orders that they notified etfs . Because they were in negotiation is last summer it was so much more luminous nobody could have been doled it . To make you cannot completely blame ups. Retailers the did to explain to the carriers that this was coming in the tsunami is on the horizon and they did not communicate. Not only the judge sticks by communication as well. Adam talk about communications. Says comes out of the sleepy politician file the senator from connecticut is calling for a refund think about this the senator who has no scam in the game has nothing to lose a statement she just wants to get the pr up. [laughter] senator sunday had no statement who would be chuck schumer. With lemon paul . Blumenthal . We are smart we go he is just trying to get press. That makes no sense. Ups should not give refunds. If you make the online order the retailer has the obligation to let them know it will be late door it is not coming but the fact the retailer did not do that they are in violation and they need to take care of that. Adam now and rf was predicting growth over last year it sounds like we have that . Also another study minutes. Com can now with a steady like walmart ayyad targets, 42 million was spent by mitt. Com users on a black friday. That is not very much. So they are trying to do beef up the sales. That is not high if you look at the years before that. It may even be lower. Adam we hope they are not waiting for their packages still. You may have received amazing gaps but then there are those questionable ones. What you do with those kids you just wont use . With us now is etiquette expert of the do and dont of regifting. I have five points and like to tell people. First of all, designate a space to keep the unwanted guests. If somebody invites you to a party you can go to the space like a closet to get the gift to take it with you. Number 23 rap and make sure this deal is intact. Make sure it is not used and put it in a gift bag. Number three. Do not agree gift for the same social circles you never want to be regifting who knows the recipient who knows the person of the maytag the gift who gave it to you. Then you space you cannot regift. Dont give one just to give a guest. Sometimes you have to dump or daudet. Finally, dont feel guilty. You make somebody happy and you save money. That is Good Business sense. Adam lets talk about some regift items. Housewarming gift is simple simple, you may have tons of wind is there a problem with grabby in a bottle that you were given . Be careful with elk socalled. If you have to be sure they like it if you bring a bottle dont expect them to open it. It is a gift. They can choose when they want to open it. Adam what about the bags they come in . Just make sure you take off the card . Is okay to reuse the gift bag . Absolutely. I have loads of those. They are great. And save the bow. Adam talking about regift is inappropriate to say i love it but i already have one and i wanted you to have it . You said that very politely. That is key. Be diplomatic, be polite to make sure the person will want it. Adam i dont know if you knew hazel down in florida she was the etiquette teacher in middle school. Good for you. You had a good etiquette teacher. Adam i did not say that i practiced it. [laughter] all the best to you. Coming up filled robertson may be suspended but you would never know it. Viewers have been binging on the backtoback episodes and people cannot get enough of the merchandise and is the suspension real and can they afford to let them go . Straight ahead. This is the quicksilver cash back card from capil one. Its not the limit the cash i earnvery mth card. Its not the i only earn decent rewards at the gas station card. Its t 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 llet . [ chicken caws ] [ le announcer ] when your favorite 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 adam time for a little fun with spare change the duct industry debacle carries on despite suspending phil roberts said in a and the keeps airing the program almost nonstop almost like a guilty pleasure. 25 consecutive episodes of duck dynasty with almost 40 million per episode. But is it just being disingenuous . Are they faking it with they say it is about the suspension . We have to lee and our attorneys to its through the question. Bill, how could they be serious about suspending him but we will show you everything he has done to be prepared for next season . From a legal perspective people have to understand speech of religion does not cover employees to work for a private employer unless the contract had something in it that is part of the discussion. However. If they put all the episodes over and over it takes away from whether or dye it is immoral or violates the moral claus. There is a hypocrisy but legally he would have nothing to say. The season of yuletide cheer is seems to be a eddie is profiting. Adam absolutely. First of all, people like me do unfortunately had never heard of death dynasties now they know who he is a and they might to id to see what the controversy is all about the ratings are skyrocketing for a e but at the same time they get to raking in a lot more money because more people to in id. Adam there is no legal issue it is a private company. Clearly it seems to me this is a s stage. First of all, the family, the sec talk did you see them five years ago . They could be in j. Crew catalog. He is a college grad on holding patents on what he has designed he is not down. It is unusual to get into a situation where they Say Something that is politically incorrect to then refused to apologize i think that is what is driving the media of this because it is like we messed up. And he does just the opposite. A and has nothing to stand all and. Everybody rallies. But the people that want to talk rally to the causes to say he is smarter the rest of us are intrigued about zero who he is about who he is. Adam we are in a news cycle for better or worse. But the fact is this is a very slow news cycle we cannot much that the media pays attention and washing tearing got its act together so we dont have the fiscal cliff and there are some International Issues but this was ideal marketing . I hate to me that cynical. Adam i embassador call. I dont know if he figured i would say this now i think that they did it was scripted estimate refers started talking about this one week ago. But my point is it is a and a story. Adam were out of time. Who made money today . He will have some big cleats to fill when he steps out of the classroom and on to the gridiron and is getting a big fat check. You can never have too much money. Adam whether on wall street or a pastry here is who made money today. If you dont amazon it is up today despite promising refund to shoppers who fail to receive their gifted time. That is amazing if you are part of the founder who owns nearly 80 million shares that shows that his holding went up 441 million. Take that. Also making money the fiscal maths teacher that is the backup quarterback for the dallas cowboys. He is getting more than 51,000 to head to the game against the eagles. Retired from the nfl in 2011 and has been teaching in Washington State but with a star player is injured they want him around in case he cannot play. Also he decided to donate the paycheck to his school. Cashing in black berry cofounder the former ceo made 86 million by eliciting 3. 5 million shares he now owns less than 5 of the company last weekend blackberry reported a quarterly loss of 4 billion. As sales of the smart phone continue to decline it sounds like he sold at the right time. And a shout out to all the to fix my blackberry today. It is working. That is who made money today. I hope you made money. Tomorrow a crosscountry forecast of the Housing Market where the best and where not to touch. Tomorrow at 5 00 p. M. The willis report is next. I. M. Tracey burns in for gerry willis tonight the day after christmas the next big retail crunches on it is the return id refund time the obamacare web site was just the beginning we will tell to you about the biggest test data and the stock market is on fire with the record of the year where to go from here . Those stories and more coming up the first the nightmare before christmas