A lot of good stories coming your way. Our top story tonight a disturbing shift in emerging health care system. Time warner and ibm, two very Big Companies are pushing their retirees from companyrun health plans and to private insurance exchanges. These two big employers are joining the ranks of other Large Companies doing the same thing in an effort to cut costs. With more on this, senior fellow at the manhattan gerri i have a lot of confidence in our viewers. Very difficult, especially if youre locked into a provider. Whats interesting about this is a lot of private Sector Companies are finding opportunity in this. A standout as one company. A virtual unknown in business. Talk to me about the private sector opportunity. As you said, a huge boom. More and more Large Companies are turning to a private company and will set of these exchanges. These are not obamacare is publicly subsidized exchanges. Entirely privately constructed exchanges. Instead of an employer offering one insurance product, they get to the exchange and the employer offers a set amount of money, said 3,000, 4,000, 5,000, whenever it is for that employee to shop for coverage. Extend health is one of the biggest companies. They were bought by towers watson, a big Human Resources publicly traded company. Gerri a vertically integrated. Interesting the kind of, you know, what is fueling this growth and who is taking advantage of it. 2007, three clients. And now have more than 300. A huge ramp up and growth. Well, when you look at the numbers of companies and Big Companies dropping health care for retirees, time warner, we mentioned. A lot of companies. Ibm. You name it, but also caterpillar, sears, do. Dupont, darden restaurants. Is this a precursor of what could be happening for employees , people are currently not working, not retirees . Absolutely. You will see more and more effort for companies to go to a defined contribution rather than defined benefit. Just like with pensions, you dont just give them a pension. You give them the dollars and they invest. Gerri some. But it is the same idea with health care. That way you can budget. Im going to give my employees 3,000. Grows that with inflation as opposed to having to say we will give you a health benefit, whenever it costs. That is a much less stable situation for companies. Gerri not unlimited and we have been moving toward this for a long time. Its always great to see you. Dont touch that night. Processed chicken for china that cannot snaked its way into its happy males without even knowing it. Thanks to new rules by the usda. The processed poultry will not have a label saying where it is from. Joining me now, assistant director of Consumer Advocacy Group phone and water watch. You have been fighting this for some time. One . We dont think that we need to import chicken from a place like china, and their track record is very worrisome. We have been working with folks, members of congress dont want this change to happen. Unfortunately they planned to lead processed poultry from china come into the u. S. Gerri here is what i find interesting. Therefore chinese processing plants that have been approved. All been inspected b the usda. Their processing u. S. Chicken. By the time it makes it with its way to china, gets processed, come back to the american market, just how old is it . Thats a good question. Hopefully something is getting frozen somewhere along the way to deal with the freshness issues. More important speech to the fact of how cheap it is to operate in china. Hello or the wages if that i in any way economically feasible. We grow a ton of chicken here. Domestically we dont need to do this. This is part of a greater trade agenda to try to eventually bring chinese are in chicken here and have a lot more meat flowing both ways. Gerri as slippery slope. Okay. Now they will approve for chinese processors, u. S. Meat. At the end of the day somewhere down the road we will be processing chinese raised poultry and it will be coming into our market. Isnt this where all this is headed . We are concerned. Even in the short term with the short term proposal we are looking at, we wont have usda inspectors in those plants like we do in an american plan to make sure that we a keeping everything separate that needs to be. We are a little concerned about that particular aspect. We think the whole idea is just a terrible idea. Gerri i want to read some of the headlines. Let me tell you, rat meat sold as lamb in china. China slaughters chickens as bird flew strain spreads. Thousands of dead pigs found floating in chinese river. Fda says jerky treats made in china went to over 500 dog deaths. You look at these headlines. It is disgusting, frankly. I mean, why do we think it is a good idea to bring this kind of product into this country and then not even market . Ould at lee consumers some morning. We think it is not. Unfortunately usda went the other way. So this is part of a bigger agenda. Sometimes u. S. Companies tt are trying to do it, looking for the cheapest possible place to make the food and picked china. And the list just goes on and on and on a food safety problems. Food that china has exported other places and also in the domestic food supply. Constant stories of food safety problems. That is why we should not be looking to them to supply our food. Can do it here. Whitney that different policy and trade policy. And then the least we could do is tell people where food is coming from. We have a loophole. If the process that chicken we dont have a littler requirement on it. Its unbelieble. I think americans as all probably hate this whole idea. And i hope that our viewers are not eating dinner right now when theyre watching this segment. Theres other meat that comes from china. A lot of fish comes from china. At the end of the day what should we be thinking about what we are going to the Grocery Store . Is there anything you can do to protect yourself . We do have something called country of origin labeling on a lot of food. The problem is when you get into processed forms of it the labeling does not apply. If you are buying parts of a chicken or a whole chicken you get that level. Chicken nuggets and you dont. The more you can do to a buy and processed foods the more you will get information and we have to work to protect the labelling because the Meat Industry in particular is suing the government right now to take the rules away in large part. We need people to get involved. You could also call the company can ask the stores were is from. We have to get involved and make sure these rules are there for us. Its hard to solve these problems just of the Grocery Store. Gerri that will get you working. Thank you for coming on. A fascinating story, and i guess the nuggets are off the table for me. Thank you. Thank you. Gerri now we want to know what you think. Here is our question tonight. Would you eat Chicken Nuggets from china . Log on to gerriwillis. Com, vote on the righthand side of this green and we will share the results at the end of the show. A lot mooe still to come including a warning for parents. Time to cut the cord and put your grandchildren on there way. Next, with the new iphone set to be unveiled, what should you do with your old one . We have some moneysaving ideas coming up. The pursuit of a better tomorrow is something we all share. But who can help you find your own path . Who can build you a plan, not just a pie chart . Who can help keep your investments on course, whatever lies ahead . That someone is a Morgan Stanley financial advisor. And were ready to work for you. Nascar is about excitement. But tracking all the action and hearing everything from our marketing partners, the media and millions of fans on social media can be a challenge. Thats why we partnered with hp to build the new nascar fan and media engagement center. Hps Technology Helps us turn millions of tweets, posts and stories into realtime Business Insights that help nascar win with our fans. Amelia. Neil and buzz for teaching us that you cant create the future. By clinging to the past. And with that youre history. Instead of looking behind. Delta is looking beyond. 80 thousand of us investing billions. In everything from the best experiences below. To the finest comforts above. Were not simply saluting history. Were making it. Gerri the big apple event tomorrow, everybody is expecting the tech giant to unveil the iphone 5 c. If youre looking to sell your old model for the very latest, one site will give you cash. There are several t we are featuring one tonight. Here with us, the cofounder and president and ceo of gasel. Good to have you here. You have some great advice fr us and i expect a ton of people, a flood to come on your site to sell their phones. Yes, this is a great time of year for us. Whenever the iphone unveils a new iphone. There is just a huge number of consumers who will be looking to trade their old device for cash. Gerri lets talk about what happens to the value particularly the iphone 5 overtime. At is the value today, what it will be tomorrow. We are showing a graphic that makes it look like the value of the phones fall off the table when ther theres a new product introduction. Is that right . And how many product comes at the market you should expect the price of the old version to come down significantly. If you think about the starting point most of the u. S. Bought a new phone upward of 300 with subsidy from the carrier. A couple of years that are most consumers are surprised the value they can get for the phone. Even though the price goes down you can still get over 300 for an iphone 5. 210 for an iphone for us. Not a bad deal. Gerri i think people are glad to hear that. What do you guys taken . How far back can we go . We will go back to the 3g, 3gs models. Even pay money for broken devices because they can be repaired. So we accept not just iphones, we will take other smart phones, android user who wants to switch to an iphone, we would be happy to pay cash for those devices. Gerri what is the most valuable phone in resale . The apple device . Apple devices tend to hold better value. The galaxy can fetch as much as 280 so it is behind the iphone 5 but not too shabby. Gerri are you accepting products from all carriers . Yes. From different manufacturers, apple, samsung, other devices. We have tablets, ipod and most mobile devices. Gerri if i go on your site in you by my phone, what do you do with it . The starting point is the demand for smart phone globally is truly insatiable. 1. 2 billion smart phones today and that is going to 5 billion over the next few years but there is a massive shift in the world. What we do is purchase those devices in the u. S. , we ensure that we wait the data from the devices and then we resell them into the global marketplace and a lot of them stay in the u. S. But increasingly we sell a good chunk of those devices in asia, africa. Where there is the demand for the product. Gerri you say you wipe the devices. Personal information is gone, are you sure about that . Yes, the security we take very seriously at gazelle. Amazing how much personal information is stored in those devices. Step number one is every device that goes through gazelle, we make sure it is not lost or stolen. That is really important to make sure we do not by those devices. And then we make sure the device is cleaned completely, we reset the device to the original manufacturer settings for every so device before we introduce it back to the marketplace. Gerri some devices are easier to wipe than others, understand. Great to talk to you. I know people will be looking at your website even as we are talking. Thank you so much. Thank you for having me. Gerri later on, this jobs report could be the thing to stop the fed from tapering. The action from the financial market. And how do you do that . Advice from parents on when to help the kids with money. Any last requests mr. Baldwin . Do you mind grabbing my phone and opening the capital one purchase eraser . I need to redeem some venture miles before my demise. Okay. Its easy to erase any recent travel expense i want. Just pick that flight right there. Mmm hmmm. Give it a few taps, and. Its taken care of. This is pretty easy, and i see it works on hotels too. You bet. Now if you like that, press the red button on top. How did he not see that coming . Whats in your wallet . Like carpools. Polly wants to know if we can pick her up. Yeah, we can make room. Yeah. [ male announcer ]. Office space. Yes, were loving this communal seating. Its great. [ male announcer ] the best thing to share . A data plan. At t mobile share for business. One bucket of data for everyone on the plan, unlimited talk and text on smart phones. Now, everyones in the spirit of sharing. Hey, can i borrow your boat this weekend . No. [ male announcer ] share more. Save more. At t mobile share for business. Gerri the bank of mom and dad is overextended. Adults making all kinds of sacrifices for their grownup kids but there will come a time when you need to let your ducklings learn to live on their own. How do you cut financial ties without severing the emotional ones . Great to have you. The numbers 48 of middleaged adults are supporting their grandkids, yet 48 . 28 of them are the primary cash giver to the kids, kids primary source of cash. Gerri my kids would never put up with this. To have a lot of issues. All the Student Loan Debt, 1. 4 trillion owed. Parents want to help them out, they are not kicking them out on the streets. Gerri talk about moving home, look at this chart of young adults living with their parents is through the roof. You want to cook and clean for them. And want to do all the stuff in there making it too comfortable at home. 70 of kids say they like the living arrangements. That is helping them with the networks. You get no perks with your first apartment. The kids can be taking vantage of the situation. Gerri you bet. There comes a point that is critically important as a parent youryou are going to have to r. You need to be saving for your own retirement making sure your own financial goals are being met. At what point should parents s you know what, it is time to get out . You are rethinking your retirement plans or dipping into the 401 k or the financial goals have been shelved, he have to rethink what you are doing here. Gerri but how do you do that . How do you tell your son or daughter the tap is turned off . You dont go cold turkey. This generation will just duke it out with you. Gerri really . It is nice to help the kids out to some extent because they have the new expenses, but you slowly wean them off. Gerri people over 60 have some 60 million in Student Loan Debt and mom and dad picking up the tab. However there is good news, there is a tax benefit for mom and dad. Take the kid as a dependent. If you are single period, file for head of household. And the kid, if they are out there, they can file for the expenses. Gerri get on it. You need to retire, right . You dont want to kick them to the curb. This is a different generation altogether. Have a different kind of relationship. You dont want to be an enabler. This advic device can be for pas of all wealth levels including the richest men and women in the world. Some billionaires are cutting off their kids altogether. Tonights top five, number five, jackie chan. Two years ago he announced he will not leave his son any money. If he is capable, he can make his own money. Number four, bill gates did have given a majority of their funds to charity. Three years ago city would not be a good idea to give their money to their kids. Number three, jean simmons. One of the bestselling rock bands of all time is a selfmade man at once the same for his two kids. He says they will be taken care of but never will be rich off of my money. Mayor bloomberg does not plan and giving a dime to his two daughters when he dies saying the best Financial Planning is with balancing the cck to the undertaker. That is tough love. Number one rich dad not been his kids and inheritance is warren buffett. He is pledged to give away 99 of his wealth saying it wants to give my kids just enough so they would feel they can do anything but not so much that they would feel like doing nothing. Interesting. Others include ted turner and andrew lloyd webber. Should you even try to trade your 401 k . Advice from the Financial Panel coming up. This man is about to be the millionth customer. Would you mind if i go ahead of you . Instead we had someone go ahead of him and win fiy thousand dollars. Congratulations you are our one millionth customer. Nobody likes to miss out. Thats why ally treats all their customers the same. Whether yourehe first or the millionth. If your bank doesnt think youre special anymore, you need an ally. Ally bank. Your money needs an ally. Amelia. Neil and buzz for teaching us that you cant create the future. By clinging to the past. And wi that youre history. Instead of looking behind. Delta is looking beyond. 80 thousand of us investing billions. In everything from the best experiences below. To the finest comforts above. Were not simply saluting history. Were making it. Here again is gerri willis. Gerri trying to tie the idea your 401 k should be managed longterm, more and more firms are popping up help investors trade funds in an out of their 401 k every couple of weeks. For a fee, of course. Our panel is here to weigh in. Dan shafer, ceo of schaefer asset management. Is this a good idea . It is not a good idea, it is a tragedy. As fees have gotten dwindled down to nothing is just a way for people to make money. Slow and steady wins the race or at least finishes the race. The bush not before around with Retirement Funds as if this is a hobby like fishing or golf or camping. Do not mess around with them. Gerri what happens if something goes wrong . If you get bad advice. Speak of able follow advice until it goes wrong and then they get emotionalnd it throws off the whole program of what they were trying to do in the first place. Should not be fooled around with 401 k money at all. Gerri does that mean i never tried anything . All the money is yours. My does not know if it is in a 401 k , brokerage account, it is all your money and all of it should be thoughtfully allocated. Most people are more individualized, they own too much of one stock or are too concentrated in one part of the market Like Technology in 1999. People need to be a bit more thoughtful. But the switching services, Newsletter Services all income all out. I agree with the panel, those type of services should be avoided. Gerri i will repeat it in case you missed it. Are the limits on how much you can trade your 401 k . There are limits that it is still too big. Retirement money, not mone minee fooled around with so even with that sliver, you need a good advisor with a balanced portfolio of true diversification including absolute returns and play it out for the longterm not to be messed around with. Gerri i want to go back to the employment report of last week and the impact on Federal Reserve. 169,000 jobs, and people hated this report, revisions down on previous reports. That is if you believe the report. We dont even know if it is accurate. I tried to get it through the system the other way about employers. The bottom line is the economy is in really bad shape. It is beyond comprehension based on the levels today, the Participation Rate or even homeownership in this country. Way below where it should be. Gerri there are very big Research Firms who say look, we will cut back on tapering. Theyre looking at big cuts, big changes to what the Federal Reserve is doing. Does that make sense at this time . Just look at the market. Forget fed tapering talk. Using longterm Interest Rates up by more than a full percentage point since may. The year, the fiveyear period back to our conversation of 401 k , this is one area investors may want to look longterm because it is happening wit whether or not the doing it themselves. Gerri if you want to get a mortgage, invested in bonds, everybody is looking at these Interest Rates. Where are they going next . I think they will go a little bit lower. May 1 at 1. 6 and rallied up near 3 all the while the rally of 4 . 2. 6 next line a sense for the 10year yield, the rest of it is drama on how much is going to be tapered, when will they taper. I believe a shortterm retracement of the rates in the coming months. I think rates will go a lot lower. The technical analysis, the commercials in the investment of the futures market are on the highest net long position in over a year. It says they are looking for bond prices to rally on the treasury side before Interest Rates can go down. People have stopped spending money. People have stopped the way they used to invest and buy goods, the demand for the dollar. They are smarter still have a lot of debt to pay off, were not even halfway through. I like to keep it simple. Sometimes investing is like working for the mob. Dont ask too many questions. Rates are headed higher. I think youre better off spending. Gerri was revised to somebody who wants to get a second home . Real estate depends on individual property itself, but i absolutely think they are headed higher. The funds that are benefiting higher Interest Rates so absolutely if you have a chance, take it because it will not last for long. Gerri i have been watching incredible rally and i think some markets are a bubble that are going to burst. Are you telling and if your clients to watch out, the real estate is too crazy . No, i really dont. I did the best markets have rallied firstperiod a lot of real estate that hasnt enjoyed the rally yet, so there is a long road up. You have fallen down his sevenyear flight of steps. I think we are slow and steady on the staircase. Gerri what do you say . Half of the buying our cash deals, so speculators. Running into the same exact problem we did before. It is going to burst and were going the next deflationary inflation cycle. Gerri i agree the fed, an expert at making bubbles. Dislocated every market all over the world including the currency market. Some of the weakest stocks lately have been those trusts. The big Residential Real Estate trust is extremely troubled. You have to be very cautious about the higher rates are here right now. Gerri the last word, quickly. Speak within the market will continue to grind higher. Look beyond the numbers right now. We are in a be steps right here. Uncharted waters, but the numbers around the world are getting a little bit better. I think it is hard to get in right now but the fact of the matter is baby steps of another old market around the world. Gerri thank you for coming on, great to have you on the show, appreciate your time. Coming up later in report shows a huge, a big number of Incoming Harvard University freshman are cheating to get ahead. We are saving for retirement because you think you will retire later in life . A new survey. Youre going to want to hear this, stay with 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. Plus, their live webinars. I use daily market commentary to improve my strategy. 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 scottrade. Ranked highest in Customer Loyalty for brokerage and investment companies. At od, whatever business youre in, thats the business were in. With Premium Service like one of the best ontime delivery records and a low claims ratio, we do whatever it takes to make your business our business. Od. Helping the world keep promises. Gerri earlier this hour had pretty dramatic examples of how Health Care Costs are shifting from employers to employees especially those now in retirement. A new survey shows the biggest concern now for those planning for retirement or in retirement is in fact health care. With us n, senior wealth planner at pnc wealth management. Great to have you here. I read a lot of these surveys, there are a ton of them and you have interesting findings here including the fact 58 , nearly 60 of people 70 and under the already left the workforce did so earlier than planned. Why are they leaving before they plan to . Largely they are leaving because of economic uncertainty, employer actions and Unexpected Health issues. Those are the primary drivers for most of the retirees were forced to retire earlier than they had planned which puts premium on the importance for developing good, strong habits early. Gerri Health Care Courses and n that pushes people into bankruptcy more often than not. They have some importable scare or something ahead to spend time in the hospital and ran up a big bill on. This does tell people to have to plan seriously for the Health Care Cost unfortunately a lot of people only think about paying for housing or for food on the table so they have to do even more to plan for health care. What do you find about people who say their biggest fears are in retirement saving, what do they say . Health care is leading concern for retirees and preretirees today. They are most concerned about not only their Health Care Cost but the rising cost over time and great responsibility on their part for taking care of those costs. So those are really one of the biggest things that are important to factor into Retirement Planning process going forward. You may be planning for 21 year retirement, you may have 30, you just dont know. When it comes to retirement readiness, for a 2 feel theyre on track, 35 acknowledge they put it off, others admit they are way that is not good news for the system. What are you telling people to do . The most important thing is to get started even if you think you are behind track a lot of times people think i am too old to start this process now. Start immediately. The other thing that is important is it is not just about talking away as much as you can. It is about knowi what your plan is even if y are underfunded, know what the plan is. What kind of equity do you have in your home . Those are all things that have driven to the planning process even if you are underfunded in your 401 k or ira. Gerri great information, we appreciate it. Time now for a lok at the stories you are clicking on tonight on foxbusiness. Com. The dow is back over 50,000 after encouraging economic reports from china and japan. Carl icahn giving up his takeover fight for dell days before shareholders were to vote on the buyout offer from the companys Founder Michael dell. He thinks the bid to take the Company Private undervalues the business. Americans cutting back and using their credit cards in july for the second straight month taking on more debt to buys, borrowing increased 10 and a half early in dollars to a record high 2. 9 trillion. Luxury retailer Neiman Marcus being sold with Advisory Board with the final deal set for the end of the year. I bring 79 stores. Those are some of the hot stories right now on foxbusiness. Com. Still to come, my two cents more and cheating to get into harvard. University finds nearly half of incoming freshmen have cheated. Find out what is going on coming up. Nascar is about excitement. But tracking all the action and hearing everything from our marketing partners, the media and millions of fans on social media can be a challenge. Thats why we partnered with hp to build the new nascar fan and media engagement center. Hps Technology Helps us turn millions of tweets, posts and stories into altime Business Insights that help nascar win with our fans. She took an early spring break thanks to her double miles from the capital one venture card. Now what was mrs. Davis teaching . Spelling. Thats not a subject, right . I mean, spell check. Thats a program. Algebra. Okay. Persons a and b are flying to the bahamas. How fast will they get there . Dont you need distance, rate and. No, all it takes is double miles. [ all ] whoa. Yeah. [ male announcer ] get away fast with unlimited double miles from the capital one venture card. Youre the worlds best teacher. This is so unexpected. Whats in your wallet . Gerri Harvard University finds half of freshmen have cheated. Gerri harvard class of 2017 has so explaining to do. Friday we told about his survey the Harvard University newspaper owing 10 of their freshman class admits they cheat on tests and 42 have cheated on homework before attending harvard. Here to weigh in on the survey, president of the princeton group. Tell me why you did this survey, and what you ma of the results. The genesis of the survey came actually from a Senior Survey that we have done over the past few years yielding some interesting data, so one of the Staff Members opposed the idea of pulling the income freshman class to gain interesting information about that group of individuals and also potentially to track them over time when we polled them as seniors. Gerri i was kind of shocked by these numbers. It is tough to say, but one of the things we plan to do is replicate the survey over time and i think that will put these numbers into better context. Gerri 42 to zero they are cheating on homework so does not bode well . Coming on the heels of the cheating scandal at harvard. There was a lot of talk about that. Does harvard have a cheating problem . I think it is tough to say it again because the numbers about cheating and the Freshman Survey really constitute from the time these kids were 14 in ninth grade at the time theyre 18 and 12 grade. This is a very formative few years, and so those numbers i think yield very different insights in the numbers of the Senior Survey we do with the end of the senior year. I think in that sense it is too early to say. When youre on any campus at all, do you think the attitude toward cheating has changed over time . Now you are really young, but youre probably done some research on this, do you think americans are growing complacent about cheating . As you have said, it is tough to compare quantitatively. We have numbers of this freshman class and senior classes but it is tough to track quantitatively overtime. Anecdotally cheating is not something that is a new phenomenon. Something that has happened at harvard for many years. But there is certainly a focus on cracking down on cheating and the biggest shift i have seen in my time happened after the cheating scandal you referred to. In the past year after that made headlines around the country, there has been a shift in attitude both among students and amongst faculty. Gerri maybe im just naive. Not something we should put up with, but everybody tells me it happens more and more often. Your results even showed for example recruited athletes are more likely to admits to cheating. The numbers were pretty astonishing on recruited athletes, 20 versus 9 , what do you take from that info . Point you bring up about cheating is an important. Given this is just one year, it is tough to track to a certain extent. You can say yes, recruited athletes are more likely to cheat or make the case theyre more likely to have admitted to cheating. It is again too early to say based on just one years data. Gerri appreciate your time. We thank you orville and wilbur. Amelia. Neil and buzz for teaching us that you cant create the future. By clinging to the past. And with that youre history. Instead of looking behind. Delta is looking beyond. 80 thousand of us investing billions. In everything from the best experiences below. To the finest comforts above. Were not simply saluting history. Were making it. . . There is a pursuit we all share. A better life for your family, a better opportunity for your business, a better legacy to leave the world. We have always believedin t, striving to bring insight to every investment, and integrity to every plan. We are Morgan Stanley. And were ready to work for you. Gerri usdas as a handful of chinese processes can ship mate to the u. S. And they dont even have to tell consumers where the meat is coming from so would you eat Chicken Nuggets from china . Heres what some of your posting on my facebook page. She says no. And rosalie says not eve if i kw that is where theyre coming from. The chicken farmers, why not usa producers . We also asked the question on gerriwillis. Com, 6 said yes, 94 said no. Here are some of your emails. Why does everybody say the problem is to romans . When i stop funding unearned entitlements like social services . Because they are all driving us bankrupt. Says we have to start defining all kinds of programs. We put these programs in place for some noble purpose like combating terrorism. They just violate our rights, why do we continue to find them . Nobody likes the tsa apparently. The tea is a disaster that should be replaced wh an organization that actually works to secure transportation. Nearly reformin performing a sho bolster public confidence. Interesting. Send me an email. And finally the revelation by the biggest private employers ibm and time warner intend to push retirees onto private Health Insurance exchanges aint no surprise anybody who has filed the terry benefits. They have been doing it for a long time. 44 of Companies Report intended to stop administering health plans for retirees over the next two years. Obamacare is pushing companies to make these decisions more quickly creating an atmosphere increase accessible for any employee retired or not. That is the threat in todays headline. That is why we are concerned. Emerging system that allows companies to ditch employee obligations may end up pushing working americans into Health Care Decisions they dont want. That is my two cents more. We will continue to cover this, that is for sure. Thank you for joining us. Have a great night. Lou good morning, everybody. Thank you for being with us. This evening snooze is better presented, absorbed and discussed with all of us seated. This day the Obama AdministrationForeign Policy graduated at sometimes awkward, sometimes incompetent, i would urge you to sit down and join us as we report and dissect how president obama got us here. Putting the United States in a position as he seeks congressional approval to strike unilaterally against syria and the assad regime