First because it was a highly volatile day. We had swing of 346 points from high to low, big moves. Why is the market so volatile right now . I think fear. Fear drives markets. When you see russia raise that rate up six 1 2 basis that is pretty impressive. Theyre in a little bit of trouble. Gerri what youre talking about russias National Bank essentially took Interest Rates to 17 overnight. That was unstabling. But we had oil prices actually come down a couple of cents here. I think that that the next quarter will show up with the consumer. The middle class will benefit big time and Small Business own years john, lets get to that. I thought Falling Oil Prices, we had them go up only a couple of cents today. I thought Falling Oil Prices was good news for all of us, for consumers, country and economist. Yet the market seems to think it is bad news. I dont understand. Why . I dont either. I think the market is very fearful that price deflation might spread from oil to other industrial commodities though that has yet to happen to any great degree. If you look at the performance of stock prices, Industrial Metals companies and chemicals are down sharply while retail shares are holding up quite is. Ly. Gerri well, doug, look who out there, doesnt remember oil embargo much. Opec controlling our fates. Theyre on their backs. Russia is even groveling. Why is this not good news . It is good news from the point of view of consumers. It is good news from the point of view from the fed tightening. All this takes Inflationary Pressure out ever the picture. It makes less likely fed wit tighten quickly. That means market should reward that. Only downside youre oil producer in united states. Incentives for production, higher expansion have diminished somewhat. Most people think they can be competitive at these prices and by and large we should be fine. Gerri i want to show folks couple of numbers. Relief at pump. 2. 52 a gallon. Last year, 3. 23. John lonski, back to you. At some point consumers will start spending. Maybe not this christmas but next month. It has to help something. Putting downward pressure on Interest Rates and lower mortgage yields than otherwise. Right now the 30year mortgage yield is 3. 57 . Latest trop in Energy Prices, drop in mortgage yields doesnt act as a spur in household expenditures we might be in more trouble than we actually think, that we care to recognize. Gerri shane john is right about that gerri. Gerri go right ahead. Once a winter we have big spike in heating oil, that hurts consumers. This then helps as well. Gerri average household will save 362 bucks this winter due to lower oil costs and milder weather. Shane, to you. We talk about black swans, what is the next bubble. Can a black swan be both positive and negative . We usually think of it as being negative. But oil prices, the way they have fallen that is one of the reasons the market is so unstable right now because theyre surprised by that. Absolutely. I think clients are going to, clients that have positions of cash they will be able to take advantage. When adjustments come in the next 30 to 0 days well see shakeouts. Well do bar a began shopping. Oil is the being black swan if the drop in oil prices is largely a consequence of slowdown globally that continues to deteriorate. Gerri can a black swan be positive . Can it be something that is unexpected and surprising, positive or negative . 1998, Oil Prices Fell yet the u. S. Economy thrived. Real Economic Growth 4 . Real Consumer Spending growth, 5 or higher. I dont know if well see that again. Most likely not but it is possible that the u. S. Might be able to squeeze through what could be a very rough time for the rest of the world. Gerri doug . I think you and john said important things. A the outset you said look, weve broken the back of opec and that is the surprise on the supply side. The fact that opec has responded to this is different from the past. Saudis are pumping a lot of oil. They care about their market share. Russia is in disarray. The other prices could be gerri end markets of some of our products that. Could be a consideration. That could be a negative for the u. S. But generally pretty darn good news. I want to show Oil Production because here is one of the big surprises. Opec producing 30 million a day, the u. S. 12. 6, russia 10. 5. Shane, to you, i mean look, there we are, number two, who would have, if you look at texas alone, texas is the sixth biggest producer of oil on the planet, just texas. That is not even where all of this frack something going on. I think it is wonderful and i think it will show up in the consumers pocket in the second quarter. But you should position yourself prior to the next couple of months. Gerri make a good point there. Shane, starting with how we should be positioning ourselves. What are you thinking about for 2015. I like consumer discretion and i like Consumer Staples like xly and xlp. Gerri john what do you think people should think about this coming year. I would move with caution at this point in time which means basically stand still. It is very uncertain outlook we have right now and hard to make a strong case for any type of financial asset investment. Given the fact that stock market is fully priced and of course bond yields are very, very, low. Gerri what youre saying is the stock market is maybe fully valued. You dont want to be involved with. I know this isnt your thing, doug, what should americans be thinking about as they come into this new year . As you saw today, the people, the pros are making lots of changes in their portfolios this afternoon trying to figure out where to be. What are you doing . I think the number one thing to look at is the household sector. If we see the household sector genuinely start to spend, not at 2, 2. 2 rate but something moves up towards 3, 3 1 2 you will see much stronger real growth in the economy and translate into much my higher profits and equities look good. If that doesnt happen, i stay out in pond and ride it out. Gerri ride it out. Okay, john . On that line, despite the drop in oil prices share prices of automakers are still down significantly for the yeartodate. They havent benefited that much. The benefits are mostly flowing towards commercial airlines. As i said, retailers. Gerri bottomfishing. Shane you like bottom fishing . I would be cautious right now. Agree with the guests. I dont like to agree with guests. I like to argue with them. I know you do. Unusual. For that reason alone. Google what . Google took a hit. Even apple has dropped down a little bit. Like i said were getting opportunity have to do some stock picking here. Gerri love it. There are opportunities out there. Doug, shane, john, thanks so much for being on. If i dont see you, Merry Christmas. Thanks, gerri. Gerri we want to know what you think. Here is our question tonight. Do you think youll be better off financially at the end of 2015 . Log on to gerriwillis. Com, vote on the righthand side of the screen. I will share the results at the end of tonights show. During the show we want you to facebook me or tweet me gerriwillisfbn. Send me an email. Go to gerriwillis. Com. At the bottom of the hour i will read your tweets and your emails. But up next the battle over the internet giants is on. Amazon and google set to wage war over shopping. Who will come out on top this Holiday Season . Stay with us. You dont need to think about the energy that makes our lives possible. Because we do. Were exxonmobil and powering the world responsibly is our job. Because boiling an egg. Isnt as simple as just boiling an egg. Life takes energy. Energy lives here. But a lot of us leave our identities unprotected. Nearly half a million cars were stolen in 2012, but for every car stolen, 34 people had their identities stolen. Identity thieves can steal your money, damage your credit, and wreak havoc on your life. Why risk it when you can help protect yourself from Identity Theft with one call to lifelock, the leader in identitytheft protection . Lifelock actively patrols your sensitive, personal information every second of every day, helping to guard your Social Security number, your Bank Accounts and credit, even the equity in your home your valuable personal assets. Look. Your bank may alert you to suspicious activity on your credit or debit card. But that still may leave you vulnerable to big losses if a thief opens new accounts in your name or decides to drain your savings, home equity, or retirement accounts. And your Credit Report may only tell you after your identitys been compromised. But lifelock is proactive protection and watches out for you in ways that banks and creditcard companies alone just cant, giving you the most comprehensive Identity Theft protection available. Whenever the patented lifelock identity alert system detects a threat to your identity, youll be notified by phone, text, or email, helping you to stop identity thieves before they do damage. You even get a 1 million service guarantee. Thats right. If your identity is ever compromised, lifelock will spend up to 1 million on experts to help restore it. You wouldnt leave your car unprotected. Dont leave your money, credit, and good name unprotected. Call now, and try lifelock riskfree for 60 days. Act now, and get this document shredder free. Thats a 29 value. Or go to lifelock. Com go. Try lifelock riskfree for 60 days and get this document shredder free a 29 value when you use promo code go. Call now. Gerri we all know samsung and apple are bitter rivals when it comes to smartphones. Now, another rivalry is brewing, this time between google and amazon. Wall street journal is reporting that looking to beef up the button just like amazons buy now button. We have the head of cantor research. Thanks for coming in, brian. Nice to be here. Gerri how big of a deal is this. Will it happen yet . I think it could. Big deal for google long term. A lot of what they have been trying to figure out, shopping is two things. It is searching for stuff and buying things. That is what i forgot in whole conversation. You see what you are getting an what wail pay and critical part of the whole process. A lot of more people are starting search practices ses for amazon, not google g anybody that occupies that search space in peoples mind is competitive threat to google. They are trying to find way to introduce mechanicses in the process. Gerri there are two steps. There is research and actively buying, right . Schneur is. Gerri when comes to that, amazon has the onetwo punch we can get it delivered to you superfast. They have warehouses. They spent billions of dollars building warehouse, Delivery Network all over the country and google doesnt have any of that. Google doesnt have that but thing they have on that side is retailers that arent amazon to find ways to compete more effectively with amazon. Think about a partnership, google, if youre researching something on google, because all of sudden google is not selling it to you. Gerri all they want is search. They dont want to lose the search traffic to sampson. If theyre, if it is easy to convert and in google environment as in the amazon environment the theory is, i think that you will be more likely to stay in the google environment. Gerri so from retailers point of view, im getting people to my online website and not to amazon netnet, that is good for me . Right. When you look at Online Advertising today, youve got google which is wonderful Online Advertising and so is amazon. If im a brick and mortar retailer, last thing i want to do is advertise on amazon and leaves amazon and comes back to my website. Gerri for google, how does this change my experience . Does it matter . Generally speaking with Business Models battle fog are market share competing with one another, that will be generally good for consumers. Gerri maybe prices will drop more . More people will try to get more creative around it yes. Gerri when you sat down we were talking about pricing as a matter of fact. You were saying that from the consumers point of view, this plummet in gas prices because food prices dropped more at the same time. Right. Gerri will there be drops in prices in other categories at the same time . There will be that in natural categories, in categories driven by innovation in electronic, right . Online era accelerated that process. You dont have year or two of price maintenance you might v you have months or weeks as window. I think you will see that process continue to accelerate and yes, i think more transparent pricing is and more creative people are to go pricing, you will see prices hit a gerri let me tell you, everybody is using apps that allow to you price compare. It is becoming so transparent now. That, you always know where the best price is. I mean i bought, i just bought a tv for christmas. Literally best buy has the price guaranty out there. I seen the tv literally the day before, when best buys price is went up they went up at the same time. Literally the day before it was lower. Gerri too bad. Well learn to fight back. Thank you. Good to see you too. Gerri well, speaking of google, the worlds most visited Search Engine is out with its list of the top search requests for 2014. Topping that list, the late, great, robin williams. Reaction to his death consumed social media in august as well as google. In the first few days after his suicide there was a six fold increase for the number of searches, car pay deem, williss phrase in the dead poets society. Searches for words such as depression. Other phrases making the list, the world cup, march disappearance of Malaysian Airline three set of, ice bucket challenge and latter topping list of most searched. Later in the show well be booking later in the show of housing sector. What will happen in 2015. What are the markets to buy in . Americans love their bourbon, dont they . They are willing to pay big bucks for it. Jeff flock is at a distillery in the heart of whiskey country where they are making the worlds most expensive whiskey. Wait until you see this. As different because i got a prescription for chantix. Along with support, Chantix Varenicline is proven to help people quit smoking. The fact that it reduced the urge to smoke helped me get that confidence that i could do it. Some people had changes in behavior, thinking or mood, hostility, agitation, depressed mood and suicidal thoughts or actions while taking or after stopping chantix. Some people had seizures while taking chantix. If you notice any of these, stop chantix and call your doctor right away. Tell your doctor about any history of Mental Health problems, which could get worse while taking chantix or history of seizures. Don take chantix if youve had a serious allergic or skin reaction to it. If you develop these, stop chantix and see your doctor right away as some can be lifethreatening. Tell your doctor if you have a history of heart or blood vessel problems, or develop new or worse symptoms. Get medical help right away if you have symptoms of a heart attack or stroke. Decrease alcohol use while taking chantix. Use caution when driving or operating machinery. Common side effects include nausea, trouble sleeping and unusual dreams. I love myself as a nonsmoker. Ask your doctor if chantix is right for you. They are a glowing example of what it means to be the best. And at this special time of year, they shine even brighter. Come to the winter event and get the mercedesbenz youve always wished for, now for an exceptional price. [ho, ho, ho, ho] lease the 2014 cla 250 for 329 a month at your local mercedesbenz dealer. Gerri americans are thirsty for whiskey. Demand for the spirit is booming and so are prices. Jeff flock at the a distillery where they are producing the worlds most expensive whiskey. Did i pronounce that right . No, you didnt. Its michters. But not tremendously wellknown. Not like jack black. In some ways they are making better stove. You said 4,000 a bottle that is what is here. The president of michters, what makes that a 4,000dollar bourbon or whiskey . Celebrated sour mash. Basically our master distiller willie pratt went through all ininventories and picked his very favorite barrels and put them together in very special blend. Fascinating to be here. Maybe we put up numbers on whiskey. Were back in the test kitchen right now this is distilled, like, i was saying you could see on some moonshiner, but maybe same size as that. Pam, what am i looking at right here . This is fermented beer right here. This is where it starts . Into is it starts as mash. We put it in here and let it ferment for three days. It becomes fermented beer. It becomes 7 alcohol. It is bubbling. Can i taste some of that. You sure can. Ill tell you, highend, stuff, gerri that is taking off. Get a little glass there. That is what theyre doing at michters, theyre focusing on highend part of the market. Now that is, is, what do you call that . Fermented beer. Fermented beer. That is where it start. Distillers beer. You distill the whole thing down and goes through the still. How does that work . Well pump it back over to the copper still. And vapors will come off into the vapor line. Condense it in the worm coil. Ultimately becomes white dog, white lightning. Whatever you want to call it. Maybe we try out some of that this is what comes out of the still. That is what you call white lightning. What is proof is that. This is 103, because it has been cut to the barrel proof. That is what you put in the barrel. Off the still, off this still it will be about 135. Gerri, take a look. We talked about michters not particularly wellknown but becoming wellknown because of quality of this stuff, even jack daniels, brands we know, american whiskey is growing crazy. There are fantastic brands out there. Jock dan els is tremendous stuff. Jack daniels is tremendous stuff. I have drunk it. Were gaining notoriety here and abroad in other country. Theyre making whiskeys be everybody agrees, are as good as finest cognacs and scotchs the world has. Pretty amazing. Pretty darn amazing. Only in kentucky. Can i tell you how happy you look on the shoot . You look pleased as punch. There is some punch. Gerri where i come from, we have moonshine. Have you heard of that . Thats what im drinking. That is what im drinking right here. The white lightning. That is pretty much what that is. So you dont need much of that, i would just, you know, a little concerned about your future there in the near term. Hope youre not driving later. Good stuff. Gerri you are the bravest reporter i know. Very smooth. Yes. Really tough. Hey, jeff. Before you go, quick question. Hope to see this stuff really take off. Yes . Gerri we know whiskey is big, bourbon is big. What else is growing, what is on fire decides your tummy right now. My tongue. Those two are the top ones. Spirits are huge. I had christmas party. My daughter brought her friends. Young kids that is what theyre drinking. In our day we were drinking beer or wine. They are drinking distilled spirits. They have outstripped everything else. Scotch, can needian whiskey and all the others. Canadian whiskey. Gerri i love it, jeff, thank you. Get home safe now. Cheers. 104. That is a good segment. If rain drops that is and roses and whiskers on kittens are your favorite things like the song, well youre in luck but it is coffee and as we were talking about bourbon, get ready to pay more. According to deal news. Com, some of our favorite things will cost more next year of the as we just saw the rising popularity of bourbon and whiskey is leading distillers to raise prices because they can. Thanks to a drought in brazil, starbucks and other coffee shops are sending java prices through the roof. Severe drought in california causing food prices from brief to produce to rise. Going to the doctor may not be everybodys thing, medical costs are expected to jump 7 next year. Obamacare a big culprit there. You want to take a trip to get away from all the depressing news, good luck with travel and including air fare and hotel stays cost you more with falling prices. They predict increases in these areas more than 2 . Possibly the worst news at all, the ebola crisis in west africa, as well as drought there, will send cocoa and chocolate prices skyrocketing. Horrible. Not all bad. Butter prices will fall as will the price of smartphones. Gas prices, they havent hit bottom yet. Coming up, the senate is trying to push through last minute legislation that could impact your taxes. Well have a live report. Housing one of the few dim spots in the economic recovery in 2014. So what does nist fifth have in story for us . 2015. Well have two big names to talk about that. S hard it can be. How. To breathe with copd . It can feel like this. Copd includes chronic bronchitis and emphysema. Spiriva is a oncedaily inhaled. Copd maintenance treatment. That helps open my airways for a full 24 hours. You know, spiriva helps me breathe easier. Spiriva handihaler tiotropium bromide inhalation powder does not replace rescue inhalers for sudden symptoms. Tell your doctor if you have kidney problems, glaucoma, trouble urinating, or an enlarged prostate. These may worsen with spiriva. Discuss all medicines you take, even eye drops. Stop taking spiriva and seek immediate medical help if your breathing suddenly worsens, your throat or tongue swells,. You can get hives, vision changes or eye pain, or problems passing urine. Other side effects include dry mouth and constipation. Nothing can reverse copd. Spiriva helps me breathe better. Sfx blowing sound. Does breathing with copd. Weigh you down . Dont wait ask your doctor about spiriva handihaler. Gerri well, you probably already know the Housing Market recovery has been uneven this year, but will it finally straighten out in 015 . 2015. Joining me now, the Senior Vice President of auction. Com and stan humphreys, the chief economist for zillow. Rick, ill start with you. Whats going to happen to housing prices . We saw 5 plus gain this past year if you look at existing home sales. What do you see next year . I think on a National Basis youll see home prices continue to go up, but theyre going to moderate quite a bit. I know stans said about a 2. 5 increase yearoveryear, im looking north of 3 , but a far cry there what weve been seeing in terms of home price appreciation for the last few years. Gerri stan, what are you seeing, and what are the real movers here . What really makes the difference . Yeah. As rick alluded to, you know, were looking for the appreciation over the next year to be about half the pace of this past year. So about 56 in terms of home values of the past, about 2. 5 over the next year, big slowdown, and a lot of thats coming about because prices have been depreciating in the two or three years, and weve really needed them to moderate, and were happy to not see that happening in 2015. Gerri one of those groups that benefited from the pace of prices going up, of course, were professional investors. It wasnt so much firsttime buyers, are firsttime buyers going to get their crack at the market this year, rick . Firsttime buyers have some headwinds. We dont have a lot of affordable inventory, virtually no new Home Inventory at the low end of the market, and theres not much for them to buy. The other issue theyve had to deal with, as you know, is that credit has been very, very tight, so a lot of people that typically would make up that part of the market simply havent been able to qualify for a loan. Theyll get a little bit more of a shot compared to the last few years competing with investors, but its still not an easy market for your firsttime home buyer. Gerri well, the federal governments going to stick their big nose into this, stan, and i know theres going to be some low rate mortgages out of fannie may and freddie mac. Is that going to solve the problem or make it worse because maybe people out there who shouldnt be getting loans will be getting loans . Weve seen this movie before, right . Yeah, no, i dont worry about credit conditions. Credit conditions are going to get a bit looser, but were still not providing mortgages, people getting lower mortgages are not getting a free gift. Theyre paying a higher rate in order to get that lower down payment. But i think we are going to see a lot more Affordable Housing come online, hopefully builders are going to start to build them, and we have a lot more millennials coming into the marketplace in 2015. Weve been weighing for millennials to start buying homes because theyve been delaying marriage and kids, and i think in 2015 its finally going to arrive. Gerri well, from your lips to gods ear. I want to talk about Mortgage Rates because weve got the fed poised to raise rates here. Whats the outlook . Rick . Oh, well, you know, gerri, ive been predicting Mortgage Rates are going to go up, so im just going to keep predicting that until it actually becomes correct. [laughter] gerri come on, now, is this really the year . There are lots of people out there that say even now any rate increase isnt coming til the second half, and it may not even happen. Bill gross famously saying this week, you know, theres not going to be any big change. I dont think well see a large increase, and i do tend to think whatever we see will be in the second half of the year. But i think in order to get lending moving again one of the things we need to see are slightly higher Interest Rates. Thatll encourage lending, it might even encourage private capital back into the secondary market. And with qe basically being sidelined now, i think theres an opportunity. The rogue element here is we dont know whats going to happen with oil prices, and a continuing depression in oil prices and Energy Prices could have a Ripple Effect on both housing prices and Mortgage Rates. Gerri do you agree, stan . I agree wholeheartedly that predicting future Interest Rates is a fools errand. [laughter] you know, nobodys wrong as much as economists talking about Interest Rates. Foremanally at formally at zillow, we know the fundamentals dont matter. All you need is a little disturbance by Vladimir Putin and weaknesses in china and europe and suddenly all bets are off. Theres a flight to safety to u. S. Dollars, and that overwhelms fundamental elements. So 4. 8 for the record but, you know, take that with, you know, you have that and a quarter and you can get a cup of coffee. Gerri i feel your pain there. It is hard to know whats going to happen next. Quickly, your best guess at next year. Rick, first to you. You say stronger buying, marginally so, stronger pricing. But how active will the level be in the marketplace . I think were looking at a slightly better year than 2014. Probably existing home sales largely flat, 4. 95. 1 million units, maybe about half a million new home sales. I dont think the supply chain or the labor force or the demand will jack up new home sales much more than that. Gerri unbelievable. Interesting stuff. Rick and stan, thanks for coming on tonight. Great to see both of you. Merry christmas. And to you. Merry christmas. Gerri Merry Christmas to you. Theres only a few more weeks left of 2014, but, of course, congress is making that more difficult. The senate scrambling to extend expired tax breaks for both individuals and businesses. Peter barnes is in washington, d. C. With the details. Peter . Reporter hey, gerri. The senate is expected to take up this package of tax breaks this week, and these were passed by the house earlier this month. And a number of these collectively worth several billion dollars are for individual taxpayers who itemize their taxes. The first is that deduction for state and local sales taxes, second is that pretax parking and commuting account that you may get from your employer, setting aside up to 245 a month in that account pretax for your parking, carpooling and commuting. Third is the deduction for tuition and fees of up to 4,000 for you, your spouse or your kid though there are income caps with that deduction. Finally, there is the tax break given to homeowners who are underwater on their mortgages and whose bank forgives some or all of their debt in foreclosure or loan restructuring, and you were just talking about housing with your last panel. Historically, the irs has considered any forgiveness of any kind of debt income to you and, thus, taxable. But after the financial crisis and that terrible drop in home prices, so many people were underwater and had problems with their mortgages that congress excluded mortgage debt discharges from taxable income. Now, all these, by the way, are only retroactive for 2014. Back to january 1st of this year, congress will have to do all of this all over again for 2015 or pass a major tax reform bill. What are the chances of that . Gerri you know, these are important elements. Ive got to tell you, education, transportation, this is in real peoples lives. Why is this the last thing on their agenda this year . This just fries my shorts, ive got to tell you. Theyre not looking out for us down there. Reporter well, you know, and what happens is that these things dont get wrapped into the tax code, and as a result, theyre generally renewed from year to year, and so as they do these annual renewals of these things and for business, for example, its the research and Development Tax credit, and its faster expensing, writeoffs for investments and new equipment. But the research and Development Tax credit, you know, thats always been year the year, and then as this bill goes through Congress Every year, it gathers more and more, you know, moss. [laughter] or as the stone is rolls through. And so all these other provisions get added on, and they are addressed year to year. Politicians on both sides say its not going to get fixed unless theres major tax reform, a Major Overhaul on the tax cold. Gerri i dont know if we should hold our breath for that, peter. [laughter] reporter not for 2015. Gerri good to see you. And now we want to hear from you. As the volatility heats up with the economy with just a few weeks left of 2014, were looking ahead to next year wondering if youll be better off. Heres what some of you are tweeting me. Rick writes this you dont know what pitfalls might happen this year, but if its as good as this year, yes, i will. Heres gary i wont be better off unless the democrats are out of the white house john says this it seems everythings going up except salaries. No, i wont be. Incomes a big part of. In addition to following me on twitter and facebook, be sure to like fox business on facebook. And here are some of your emails. Responding to a legal topic, heres what we recently covered, parents, mom and dad, should they be forced to pay their childs College Tuition . Jerry writes this although they should assist if financially able to do so, it should not be mandatory. The judge is wrong. And jim from new mexico agrees a kid turns 18, they can figure out how to pay for college themselves if the parents dont want to pay. And hugh from florida says id say absolutely. No i think parents are responsible are raising their children and getting them through high school. We love hearing from you. Send me an email, gerriwillis. Com. And when we come back, were looking out for you and your money with the ceo of better manipulate on the rising mint on the rising trend of row bow advisers. And later, singer lou reed. First, heres your consumer gauge with the numbers that mean the most to you. Take a look at those. The stock market numbers a little down. Shes still the one for you. And cialis for daily use helps you be Ready Anytime the moment is right. Cialis is also the only daily ed tablet approved to treat symptoms of bph, like needing to go frequently. Tell your doctor about all your medical conditions and medicines, and ask if your heart is healthy enough for sex. Do not take cialis if you take nitrates for chest pain, as it may cause an unsafe drop in blood pressure. Do not drink alcohol in excess. Side effects may include headache, upset stomach, delayed backache or muscle ache. To avoid long term injury, get medical help right away for an erection lasting more than four hours. If you have any sudden decrease or loss in hearing or vision, or any allergic reactions like rash, hives, swelling of the lips, tongue or throat, or difficulty breathing or swallowing, stop taking cialis and get medical help right away. Ask your doctor about cialis for daily use and a free 30tablet trial. Gerri when it comes to aning strategyt seems an investing strategy, americans arent doing so well. 40 of americans are not, not investing at all, and whats most disappointing is who is missing out. Here to explain is john stein. John, well get to your company this just a minute and what you guys do, but this is surprising and shocking. 40 of people putting no money aside. Why is that . It is shock ising. And a lot of those younger people are not saving because theyre scared about what might happen in the market, theyve seen the recent past, and theyve seen all the turmoil in the markets, and theres not a lot of confidence in the future. Gerri i see this and some just dont have any money. Gerri well, theres that too. We havent seen incomes improve, people are getting a break on gas prices, but food costs are going up, so youre kind of caught in a vice grip, i think. What needs to happen to improve peoples confidence in their own ability to invest and save and build wealth for themselves . If you look at the last five years, weve actually seen a great runup in the stock market. People just havent seen that translate into real incomes, and young people arent getting higher paying jobs. Think for people to really start saving and investing more, they need to be making more money. There are tools that can help you save a regular amount each month like betterment and do that in an automatic mated way that makes automated way gerri all right, ive got one more question about confidence because theres always a disconnect between what you see the market doing and what your investments return, you know . It seems even if youre buying an index fund, it doesnt seem as good as what youre hearing reported that the s p 500 did. Why is there that disconnect . So a lot of people these days are diversified internationally, and if youre following all the news, europe hasnt been doing as well as domestic stocks, emerging markets arent doing as well. The u. S. Has had the biggest runup in the world, so we look at our portfolios, and its hard to keep up with the s p when the s p is the best performing asset class out there. Gerri right. So if youre diversified, by definition youre not getting market returns because youre following many markets. Lets talk about betterment for a minute because you have a solution for people who are looking for advice but dont want to pay an arm and a leg for it. Thats right. Were an automated investment service. Were the largest in the country. Were growing at about 300 new customers a day, we manage over a billion dollars. And people come to us often at the recommendation of a friend or family member. They tell us about their goal, im saving for retirement or to build wealth, and based upon those goals we create portfolios and manage them for tax efficiency, better Decision Making and low cost. Gerri are you doing that with a human being on a telephone line . Am i filling out forms . How does that work . Its online. We have Live Customer Service support seven days a week, 365 days a year. But most of the advice is there as ap online tool, and its automated to make sure you can continue making good decisions over time. Gerri i think people just want a backstop. They may not feel like theyve got to have the most elaborate plan in the world at the age of 25 or 30, but early on you just want to make sure youre driving inside the lines. When youre just starting out, its especially important to know that youre saving enough for retirement. Well tell you a number, how much you need to save each month, and thats really all you need. Thats the most important thing you can be doing when youre young. Gerri the scary number. [laughter] its great to see you. The web site is called betterment. Good stuff, thank you. Thank you so much. Gerri and time for a look at stories youre clicking on tonight at foxbusiness. Com. 3m is looking ahead to 2015 saying its on track to achieve its longterm financial targets. The make per of postit notes is raising its dividend by 20 First Quarter of next year. Chrysler has changed its name Effective Immediately mostly impacting corporate and Financial Communications and will go largely unnoticed by consumers. Chrysler cars will still bear the chrysler badge, and fiat cars will bear the fiat badge. Health insurance is stepping up for consumers giving them more time to pay obamacare premiums trying to avoid any upcoming problems. Insurers say theyll also act promptly to clear up any double billing of consumers who have switched plans. Lets hope so. And tmobile will now let customers carry over their unused data allotments. Customers would be able to stash what they dont use for up to a year. The program is only open to customers on simple choice plans with at least three gigabytes for a smartphone or one gigabyte for a tablet. And those are some of the hot stories on foxbusiness. Com. Still to come, my two cents more, and next, a big day for music fans as a list of the newest members of the rock and roll hall of fame. Including this group. Take a look at joan jett, there she is right there. Heres a question for you when electricity is generated with natural gas instead of todays most used source, how much are co2 emissions reduced . Up to 30 . 45 . 60 . The answer is. Up to 60 less. And thats a big reason why the u. S. Is a world leader in reducing co2 emissions. Take the energy quiz round 2. Energy lives here. Gerri the rock and roll hall of fame today announcing the late list of inductees. Among the music honorees, joan jett, lou reed, green day. But some rockers left off this years list are also causing quite a stir. With us now, John Jorgenson with the wall street journal. Welcome to the show. I just want to run through this list to start with. So i want to hear your comments. Lou reed on the list for induction. What do you make of it . [laughter] lou reed, so nice they inducted him twice. Already a member of the rock and roll hall of fame through the velvet underground, now for solo work. Gerri green day . Im a little mystified here. [laughter] definitely one of the polarizing names on this list. This is the first year the band is eligible to be in there. 1989 being their First Official release. Got in there. So i guess if, you know, 199bands can have reunion tours already, they might as well [laughter] gerri oh, my gosh. Stevie ray vaughn, thats a good name, right . Makes me feel better. Certainly a Long Time Coming with that one. People felt hed been slighted in years past. Gerri and his band, double trouble. Heres my favorite one, okay . And this is no surprise, im sure, joan jett and the blackhearts. She was rejected by 23 record labels when she was trying to start her career, finally went out, formed her own label and thats what happened. Listen to that. Yeah. I mean, joan jett, she essentially wrote the theme song for the rock and roll hall of fame. [laughter] you know, just pretty much the essence of the genre and what shes done. Even now shes still out there doing her thing. Gerri bill withers. Bill weathers, definitely a testament to what you can do by putting out a really amazing, solid body of work. And a long time ago. And, essentially, you know, what he did with that piece of work years and years ago because he doesnt produce music anymore is what put him there now. Gerri took a long time to get to him, thats for sure. We have bawl butterfield, blue Paul Butterfield . Blues band . Also maybe a bit of a head scratcher for people who dont necessarily know that artist and band, but the influence there and that criteria of being an influential act certainly applies to Paul Butterfield. Definitely a conduit to a lot of the blues music of the 1960s, and they backed bob dylan at the newport folk festival, you know, a seismic moment in music history. So that alone might make them qualified to be in the rock hall. Gerri all right. So ringo starr getting an award as well. Are you surprised it took them this long to give him his own award . Whats your reaction to this . [laughter] i guess i am surprised now that i think about it. Of course, the beatles, you know, might as well be there on the first day. But apparently, all the other members of the beatles are already solo inductees for the rock hall, so i think if ringo even noticed that he was missing, he might have felt slighted [laughter] so this definitely certainly corrects the record. From an interview i read with him today in rolling stone, he seemed to have not realized he wasnt in there until someone paul mccartney, possibly told him he wasnt a member of the rock hall. Gerri thats funny. Weve got a really interesting list of snubs including bon jovi, deep purple, chicago, Willie Nelson which shocks me. Who do you think is the most deserving person whos never gotten in . I mean, the funny thing about the rock and roll hall of fame is the buildings shaped like a pyramid, but they probably should have shaped it like a punching bag. Every year these nominees come out, and it ignites all these debates about who should be in there, whos deserving, who shouldnt. Rap music, for example, is always a controversial thing for the rock hall. Theres a handful of rap artists who are ip ducted in the rap inducted in the rap hall. Nwa was nominateed for its second time, but too dangerous in retrospect, and they did not get inducted this year too. So, i mean, you could pick anywhere on the list and come up with some big snubs. Gerri i wanted to tell people whos been inducted a lot. Thats always interesting too. Does eric clapton have the most inclusions here, the most awards . Yeah, i think that he has three, and if thats the case, i think that puts him at the top of the list. You know, it does seem somewhat confusing to have these sort of multiple induction cans. Eric clapton, of course, he was in cream, so cream gets inducted. But, of course, his solo work is also influential, it stands on its own separate from the group work too. This year sting was nominated to be an inductee, but he is already a member of the rock and roll hall of fame through his work with police. So, you know, some might say who needs, you know, maybe we should give these awards to people who dont necessarily need to double up on their gerri i want to get on that committee. How do i get on that committee . Is it hard . [laughter] its a secretive thing. I mean, its actually, it is, you know, every year its another topic of debate, you know, whos actually doing the selection here. They say its a membership of about 600 or 700 journalists, people in the industry who have influence who make the final votes, but thats, that original nominating, original nominating process is a little bit mysterious as it is for all these things including the grammy awards, for example. Gerri john, thank you. Fun stuff. Enjoyed it. My pleasure. Gerri and well be right back. holiday music is playing hey i guess were going to need a new santa the music builds to a climax. more people are coming to audi than ever before. See why now is the best time. Audi will cover your first months payment on select models at the season of audi sales event. Visit audioffers. Com today. Gerri that was 80 no. Thats it for tonights willis report. Thanks for joining us. Dont forget to dvr the show if you cant catch us live. Good night. Charles im charles pavin, and youre watching making money. Stocks moving 350 dow points off the lows of the session. Unfortunately, though, we ended down 111 points. A roller coaster day of sorts, it all goes back to the russian ruin. It absolutely crashed ruble. It absolutely crashed. So whats next for a desperate putin and whats next for desperate investors . Buckle up and stay tuned, weve got the answers. Right now lets go to Nicole Petallides on the floor of the new york stock exchange. Nicole . Reporter charles, was there a ticket for this ride . Wall streets ride today was wild. We were up over 200 points, down the whole, by the way, top