Of the capitalist Pig Hedge Fund and fox news contributor. Guy benson, Political Editor for townhall. Com. Jonathan i will start with you, i called my husband said lets cash out. This is two wonderful days in the stock market. Can this continue and is this all about janet yellen playing santa claus . That is no doubt some element of it, gerri, but the fact is that the bull market rolls on. Were just a couple of hundred points off the alltime high for the Dow Jones Industrial average. Despite all the concerns, not just here in the u. S. But over the entire World Economic landscape, the u. S. In particularly, large cap u. S. Companies, still look quite attractive, especially compared to almost anywhere else in the world, from latin america, to the middle east, to europe. The u. S. Still is tops in most investors book. Gerri i think thats true. Steve moore, to you, i know you dont pick stocks but boy, you have got to look at those numbers and think, wow, this is awesome. Are you concerned though that the fed is going too far here . Theyre being too willing to bankroll this economy, to bankroll what is huge rally in these markets . Well you know, gerri, if you look over the last few months, the worry always has been this easy money and, you know, virtually zero Interest Rate policy by the fed would eventually lead to higher prices but im looking over the last three months and were seeing virtually zero inflation over the last, several months and over the last year or so it is running less than 2 . So im not one of these people that thinks we have to tighten up money because inflation is out of control. I just dont see it. What i do see is this. I see a roaring stock market. I see Interest Rates as low as they have been in 40 years. And i see no inflation. What is not to like about that picture, gerri . Gerri i understand what youre saying, steve. Jonathan to you. Are you as sanguine what the fed is doing here . Do you think theyre out of control . One of the things that worries me the most, gerri, are rising yields on particularly high yield and credit instruments. What does this mean . Means some of the risky bets made in the last couple years like leveraged loans, like junk bond are starting to seem a little bit more risky to the marketplace. I think you could make the argument, that along with russias major spike in Interest Rates could be the canary in the coal mine if you will for exactly what steve is talking about, a blowup in what is highly manipulated credit market literally for years. But you know gerri well go on to different topic if we could to sony. Boy, this has been an amazing story. Just this week we had someone on the show that sony is at the brink of disaster because of what happened to that company. Release of all of this information, the hacking that is simply destroyed any pretense of security at that company. Guy, i will start with you, newt gingrich, at thissingly saying that the u. S. Has lost the cyber war. Do you agree . Yeah. This is as close to a total victory for the terrorists basically that you can possibly imagine. Obviously there is a sony component to this but im much more concerned about the broader picture. About Free Expression and free speech. I was thinking about this yesterday and came to this disturbing realization that without exaggerating we have the most reviled dictator in the world that just successfully issued a veto over the comedy consumption choices of supposedly free people. Gerri it is satire for the love of god. Steve, what do you make of this . Do you agree . A lot of people are saying to me, gerri, that movie is silly. Doesnt matter it is not getting shown. How do you view it . I feel were kowtowing to terrorist networks this is tragedy for freedom and i think when you kind of, when you have your commerce adapted to what terrorists might do, that is a victory for the terrorists. So i agree that with guy, this is a black day. Gerri, this is essentially the u. S. s version of the danish mohammed cartoon controversy a couple years back. Yes. To the u. S. , to guys point, this is the u. S. Being stifled, individual Americans Companies speech being stifled because of a potential threat. This would be an opportunity for the u. S. Government to stand up and say, no well not have our citizens or their property, intellectual property, threatened by these dictators. One issue here was whether these theaters were even going to show this movie. Every Movie Theater has obviously the right to show a movie or not. There was a real concern that, regardless of what sony decided, it just wouldnt be aired in theaters. All right. Move on to one other topic here and thats cuba. Lots of debate today. Look, guy, i will start with you, your reaction to what the president did, good idea, bad idea . What is the impact ultimately on cuba . Im not a cuba expert so i wont play one on tv as informed citizen and i read a lot of stuff about this and i have found compelling arguments on both sides of the policy question on the embargo itself and whether that is a successful policy look i take people like marco rubio and other dissidents i put a lot of stock in their strong heartfelt opposition to this. If you look in general how has this really helped us . That being said the way this deal came about it looks like were just handing a victory to the castros in exchange for what exactly . What are they really giving up in terms of concessions. Good point. Steve what do you say to that question . Agree with guy. Im a free trader. Normally i want to trade. When guy was talking about one of the worst tyrants on the globe, i thought he was talking about the cast stress because they have been pretty awful too. Gerri thats true. Here is the interesting thing. A lot of people say look, well trade with, obama wants to trade with cuba and well open up and that will lead to more freedom and liberty. This is not a president who is in favor of free trade. My goodness he has three freetrade agreements he is not pushing with countries not run by tyrants. Gerri jonathan, to you, i look at this whole story i see the u. S. Is not playing a strong hand either with north korea or with cuba. Were getting nothing out of cuba in exchange what we are giving them. No agreement there will be more freedom or democracy there and north korea is calling shots what you will see on a saturday night. How come we have no power here . It is almost as if purposefully every day, gerri, the administration does it can to make us look as weak as possible. Cuba example is just a great example. Even if the administration wanted to move toward more normal relations with cuba, did we have to do it by apologizing . Did we have to do it to by offering help cuban people and setting up embassy . We should have demanded world war ii, uss missouri apology. Offered, promise that there wont be any aggression. Gerri at very least. But we appeased once again. Decline is a choice. And what were seeing especially as it pertains to this movie situation, culturally, not just the government, companies and individuals citizens decline as a choice. I really fear were making that choice. Gerri people are telling me why would you defend this movie . Its a terrible movie. Reality when youre talking about First Amendment freedoms you always end up defending people like larry flynt, right . That is way it goes, right are steve moore. Or like guy who made the mohammed cartoon that sparked supposedly sparked benghazi raids. You have to protect all speech. You have to be able to lampoon people. And it is a tragedy that you know, you can make fun of anybody in the country today except you make fun of muslims in the north koreans. Gerri no since of humor. Steve, jonathan, gus, thanks for coming on, guys. Great to talk to you and merry what you think. Here is our question tonight. Did the u. S. Get beaten by north korea . Log on to gerriwillis. Com. Vote on the righthand side of the screen. I will show the results at the end of tonights show. Your voice is important to us. Thats why during the show facebook me or tweet me gerriwillisfbn. Go the website, gerriwillis. Com and email me. At the bottom i will reed your emails and tweets. Could classic cars for cheap flood the marketplace . What the embargo lifting means for cubans and the auto lovers. Stay tuned. trader vo i search. I research. I dig. And dig some more. Because, for me, the challenge of the search. Is almost as exciting as the thrill of the find. announcer at scottrade, we share your passion for trading. 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There are over 60,000 pre1960 american cars on the road and it is, it face nominal. Gerri so, my question is, how are they operating these things because, look, i dont think they have a lot of parts and service over there, right . Exactly. They have had these cars for over 50 years. Theyre wellweathered and they cant get parts from the u. S. And so many of the parts they make themselves. Theyre fabricated in their garages. They make do with what they have. If they need a bigger car, they will extend the car. If they want a convertible they will chop off the tops. But they do what they need to do to keep the cars running. Gerri that is amazing. Do you think there is a lot of value in those cars over there . No, definitely not. The majority of cars are very, very wellworn and very wellweathered. You might see a 1957 chevy but might be powered by an old japanese diesel inbegin. You know, the paint might have, gosh, 10 or 15 coats of house paint on the car to prevent rust from the seawater and the air. So there is generally not a lot of value in the cars on the roads in cuba. Gerri so were not going to make a market in these. What do you think is the possibility of u. S. Automakers eventually being able to sell autos into that market . Will that work . You know there is the possibility but you have to take into consideration that the average cuban citizen makes between 17 and maybe 20 a month. Doctors recently got a raise by the government to 24 a month. So the majority of cuban citizens cant afford newer cars. There are new mercedes and audis, other luxury cars on the road. There arent too many and not too many people in cuba can afford those type of cars. Gerri only really if you know, we get into a situation where cuba really opens up its market, becomes more of a capitalist society, people get jobs, be successful oldfashioned way, work hard for it, right . Have a capitalist economy that really thrives . Exactly. I think only 10 of cubans actually drive and own cars. So, although there are many cars on road, very, very few people on the island actually own them. Nor can they afford them or the up keep. Gerri i see special tv show out of this though. I think people would love to see those cars. Brenda, thanks for coming on the show tonight. Great to see you. Thanks for having me. Later in the show we put amazons promise of onehour shipping to the test. You want to see that. And next, by now you should know if youve been naughty or nice this year but we take a different approach by looking which housing markets made each list. Stay with us. Thanks. [ male announcer ] fedex® has solutions to able Global Commerce that can help your company grow steadily and quickly. Great job. mandarin cut it out. See you tomorrow. Gerri unemployment rates, foreclosures, School Rankings all of these things factor into how cities were ranked this Holiday Season by realtytrac. Which markets are naughty, which are nice. Well find that out. Lets bring in cheryl casone. Where do we want to live . Just in time for the holidays, where you do want to live, dont want to live, right . Realtytrac came up with the fascinating list, the way they crunched data they looked at schools, crime, unemployment rates. Start with the nice list. Positive list, right. Cary, north carolina, number one on the nice places to live. They have got unemployment of 4. 4 . The foreclosure inventory incredibly low,. 17 which is nothing frankly. They get an a for crime. A is good. F is bad. Gerri let me tell you, im from north carolina. Cary has highest concentration of phds in the country because it is Research Triangle and lots of biotech there and lots of technology there so it is super wealthy. That has to be the best zip code in the country in my view. I think youre right. Gerri they agree with me. Wanted to fill out texas names. Im from texas. Fairfax, virginia, was number two. David nice place. Pearland, texas, irvine, california made the list and frisco, texas. A lot of texas names were on there. Gerri since you know a lot about texas, those towns in particular, are they suburbs of larger cities . Tell me about that. Yeah. Frisco, richardson is dallas proper. Thats where im from, believe it or not. College station would be only exception to the rule. That was number nine on the list. College station is where texas a m is. This is college town and very affordable nice to live. Gerri no crime, okay. No crime and everything like that. If you look at the 20 out of the 55 that had a crime rate of a or above, many were in the south. Gerri go south. Im all about that. There is naughty list though. Gerri i want to hear it. You want to hear the dark stuff . Okay. Milwaukee, wisconsin, number one. Gerri how is that possible . That doesnt sound right to me. One of the biggest problems is the county level of unemployment, 6. 18 . That factored into realtytracs numbers. Also foreclosures activity, 1. 13 is on the higher side. A lost crime. They have a d for crime in milwaukee, wisconsin. I know, i know. Kind of a surprise. Detroit came in as number two. Gerri no sure brize at all. Lots of problems in detroit despite efforts by the city to rebuild itself. Stockton. Gerri foreclosures. They still cant recover. And that is warning sign for a lot of people out there. If youre getting into marketplace overblown, overheated, too hot you could have downside for years and years to come. One thing i will say, they looked as far as where you want to live. Investors looking to buy and using cash in particular, a lot of them will make bets on these kind of rough areas, if you will. Then they hold on to them for two, three, four years. Fix them up, use them as rentals. Gerri hope they turn around. Hope they flip them. That is the list. Gerri interesting list. Naughty or nice. Paterson, new jersey was on the bad list. Hartford, connecticut, that surprised me. Gerri a few problems. It is not all connecticut christmas, believe me. I see what you mean. Gerri good to see you New York Stock Exchange you too, gerri. Gerri coming up the white house getting involved in education, yet again, this time creating a College Rating system. Well have reaction from established private sector College Rating system. The princeton review. Next with just a week to go until christmas, retailers pulling out all the stops, including amazon. Promising a onehour delivery, well put the retailer to the test. Wait until you see what we found it. [ female announcer ] hands were made for talking. Feet. Tiptoeing. Better things than the pain, stiffness, and joint damage of moderate to severe rheumatoid arthritis. Before you and your rheumatologist decide on a biologic, ask if xeljanz is right for you. Xeljanz tofacitinib is a small pill, not an injection or infusion, for adults with moderate to severe ra for whom methotrexate did not work well. Xeljanz can relieve ra symptoms, and help stop further joint damage. Xeljanz can lower your ability to fight infections, including tuberculosis. Serious, sometimes fatal infections and cancers have happened in patients taking xeljanz. Dont start xeljanz if you have any infection, unless ok with your doctor. Tears in the stomach or intestines, low blood cell counts and higher liver tests and cholesterol levels have happened. Your doctor should perform blood tests before you start and while taking xeljanz and routinely check certain liver tests. Tell your doctor if you have been to a region where fungal infections are common, and if you have had tb, hepatitis b or c, or are prone to infections. Tell your doctor about all the medicines you take. One pill, twice daily, xeljanz can reduce ra pain and help stop further joint damage, even without methotrexate. Ask about xeljanz. Gerri well, get ready because its going to be a big doorbusting weekend at the Retail Stores and the malls. There are just six shopping days left before christmas. Are you ready . Retailers are pulling out all the stops to get your last dollar. That means great news for consumers, everything from free and fast delivery to steep discounts on popular items. With us now retail expert andrea war lock. Great to have you. Thanks for having me. Gerri i want to tell you the story of what we did with amazon. Theyre going to make deliveries in less than an hour here in new york city. Hes what we did heres what we did, listen to in this. We started by downloading the prime now app, and we signed into our regular amazon account. Youve got to be a prime member to do this. Then there are some 25,000 items that are available right here in new york city at in this, in this hour time frame, believe it or not. Its amazing. You have to put ain mum order in of a minimum order of 15. We ordered a usb cable. The cost is 7. 99, plus they want you to give a tip. I frankly thought, ive got the tell you, wed be waiting hours for this. I dont know if youve ever tried to walk across sixth avenue, but you can spend 20 minutes waiting for the light to change. We put our order in at 12 34. Seven minutes later seven minutes later we had the item in our hot little hands, 12 41. You can see our producer there, jennifer, she grabbed it from the amazon delivery guy who was actually very pleasant. And i just have to tell you, the amazon folks are telling us they think thats their fastest delivery time on record. They dont think theyve ever done any better hand that. We never told them thats what we were doing. It was a surprise when we called. But andrea, what do you say . Thats incredibly. I think retailers, they know at the tail end of the season shoppers dont look at the value of price anymore, its more about convenience. And so by offering this seven minute delivery, they definitely have a leg up, and theyre going to attract a lot of shoppers. And were seeing other retailers offering not such a fast delivery, but instore pick ups on the same day. Target is allowing customers to place online orders up til 5 p. M. , and they can pick it up that same day, on christmas 50e6. Gerri what is the attraction of that instore pick up . I know a lot of people like it, but i dont understand why. It gives people the option of picking up the item in the same day, but they get to avoid the crowds, they get to save time instead of walking through the store and finding the item on the store shelf and waiting in line to purchase it. It gives them that option. Plus some deals are, some online orders are cheaper than what you find in store, and there are online exclusives as well. Gerri so today is a Free Shipping day for a lot of retailers out there. We should mention that. So tell me what you make of this, because ive been thinking about all these trends coming together, because we have huge, huge markdowns, right . And were seeing all this effort by retailers to, you know, satisfy our slightest whim. You want it in an hour . Well have a bike messenger deliver it to your house, right . Right. Gerri is there sort of a golden era for retail shoppers . Theyre falling all over themselves to get our business. Yeah. Its definitely a time when shoppers have the upper hand. They have a chance to negotiate, price matching. As long as youre savvy and you do your research, you can find better deals, you can request that from the retailers as well. And so definitely look out for big sales. Today, like you mentioned, is Free Shipping day. Not only are you getting Free Shipping, a lot of retailers like j. Crew are offering deals on top of it, 30 off plus Free Shipping and guaranteed delivery by christmas eve. There are definitely a lot of deals to be had and Super Saturday coming up this weekend, another great day to shop in store. Kmart is offering buy one, get one free, toys r us on barbies. 50 off ipads at best buy, so the deals are there to be had. Gerri dont forget to compare prices. Price grabber, i know, is an app you talk a lot about. Go ahead, andrea. Red lasers another one to use in store. I know a lot of people are probably going to do their shopping in store this weekend just to get those last minute gift, and using those apps will help you save money, coupon sherpa, so on sop of the sales you see on top of the sales in store, you can find extra deals, some of the coupons i noticed when i was doing a Little Research for your segment today, there are some big sales to be had. Gerri its all about us, andrea. Yeah. And then thanks for having me. Gerri great to see you. Merry christmas. Merry christmas. Gerri and from amazons dlily service earning top marks, the Obama Administration set to release a plan listen to this to rank colleges as early as tomorrow. But should the government be involved in rating colleges at all . Joining us now, the Senior Vice President of publishing at the princeton review. He is the author of the book the best 379 colleges. Rob, welcome. My first question for you yes. Gerri dont you already do this . Why is the government doing this . [laughter] we were thinking the same thing. Weve been doing financially rating scores for nearly a thousand schools for a little over a decade. Gerri you guys have a lot of experience doing. You probably already know a thing or two. I think we do about issues of affordability and accountability. The idea of connecting the idea of career to college. I have a new book coming out in february called colleges that pay you back focused on 200 schools that do just that. Gerri im sorry, but as a consumer, i would be looking for somebody who doesnt have a vested interest in what theyre advice is and just a lot of experience, because its super complicated. Why would i go to the government for this information . Well, a couple of reasons. The government is spotlighting those issues of affordability. College isnt getting any cheaper. The idea of accountability to students in schools, making sure they have good programs and theyre getting jobs afterwards. I applaud that part. The thing about it, theyre getting a lot of pushback from congress and schools as well. Gerri well, theres an obvious reason the schools are not happy yeah. Gerri and thats because the government wants to connect the information to ratings they have to the money they give out. So if you are not graduating enough students or getting enough of your students employed, they want to hold back some of these College Loans they dole out. Exactly. Gerri is that a bad thing . Well, it could be if were just focused on the outcome of starting salaries and earning potential. So lets take the example of a student that majors in Computer Science and a student that majors in education. A teacher might start pardon me at a lower starting salary. Gerri does this mean harvey mud gets all the money . When you think about it, engineering schools as you cite are going to do much better, were speculating, based on the things weve heard from the government. Gerri and it would seem to me if youre a school that already has a lot of money, youll do good as well. Theyre probably going to do well in the new ratings, but when we start to think about making sure were expanding a wide lens, theres nearly 7,000 schools, fouryear plus twoyears gerri you saw what happened with obamacare. How in the world [laughter] how in the world are they going to rate schools and put it on a web site that you can use . They cant even they cant they have no ability to use technology. Well, there is definitely, there is definitely an aggressive timeline. Youre right, in the next couple days the sort of focus is going to come out of whats going to happen. Then in september 2015 these ratings are going to hit, 2018, as you state, im sorry, Financial Aid is going to be tied to how well those schools do. Gerri is this a competitive threat to you . Not really. I think because of the spotlight on the issue it will bring up the prince review, and others have been doing things just like this, i think doing a credible job and continuing to focus on this area. I think the more information the better, i think were doing a good job, and were going to fox on making sure we continue. Gerri rob, thank you. Merry christmas. Merry christmas. Gerri and now we want to hear from you. Sony has canceled the release of the interview and says it has no further release plans for the film. So was the u. S. Just beaten by north korean . Heres what some of you are posting on our Facebook Page about the poll question. Mark writes yes. We now find it suitable to censor. And on twitter mike answers america did not, sony did. Japanese company. Andmy coal agrees i thought we didnt negotiate with terrorists . Come on, sony. Rick says if they release it and something bad happens, everyone would be saying, we it would you so. In addition to following me on twitter and facebook, be sure to like fox business on facebook. Why cant they just a release the movie on the web . I dont understand. Here are some of your emails on a host of recent topics. Donald from florida answered our question, do you pay your fair share in taxes . I pay more than i should. Its not fair. Donald, good stuff. And robert from massachusetts has this to say on higher airline prices but lower fuel prices maybe the airlines are taking too much advantage, but certainly they should be able to build up a reserve against future hard times. So its not raw capitalism, suspicious though we may be. And heres richard from california were turning our kids upside down, they dont know what the hell to think because were not teeching them the basics. They seem to think work is dirtier than the fword. We lost this generation. Things will get worse before they get better. Hmm. Talk to a millennial near you. Send me an email, go to jer orally willis. Com. And when we come back, consumers and farmers are expected to be the big winners thanks to the changing trade in cuba. Well explain. And next, its been called a car fax for investors. Ill be joined by the cofounder of a new product could guard vest. Youll want to see this, 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. 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 to help the millions of investos out there stay on top of their costs and their earnings, the income theyre getting from their investments, a new Online Service is helping you make sure your Financial Adviser is worth what youre paying them. What a concept, right . Joining me now, audi apple. Thank you for coming in today. Your proposition very interesting. Tell me what you would do for somebody like me. If i wanted to see how well my broker or adviser is doing, what would i do . One way to think about guard vest is as you said, like carfax for an investment adviser. What we noticed from our experience on wall street was the vast majority of investors didnt really know how they were actually doing, and they didnt even know what they were paying. Gerri i get a statement every month. How do i not know what im doing . Because those statements are often 50, 60, 70 pages or more, and they have a lot of information. Its amazing, most of the time the investor gets a statement that doesnt have the rate of return on the portfolio gerri so youre missing roi, the fees are unclear thats right. Gerri you might know what youre paying your adviser, but you dont know what youre paying on the funds. Exactly. Wall street has gotten so complex for investors, even advisers have a difficult time telling you what youre paying. The investors doesnt have a chance. Gerri how can you know that if the adviser doesnt know it . We can actually leverage that and do a lot of that heavy lifting for you. Gerri so take me, for example. Ive got an adviser that i work with. What would i do, go to your web site and log into my how does it work . Exactly. Go to guardvest. Com, and the reason we created it is because theres nowhere you can go and get a thoughtful Second Opinion thats not trying to sell you something. We wanted a safe, secure, confidential place for investors to tell us where their investment account is, provide the credentials, link the account. We pull across all of their holdings, and in just a couple of minutes we tell hem how theyre doing on tell them how theyre doing on returns and how much theyre really paying in total expenses. Gerri sounds like the holy grail to to me, but how do you make money off that for free . Its free for now. Its been up since the summer. Weve been collecting user feedback, were going to be transitioning to a Subscription Service early next year, but its a great time to get on top of that new years resolution, right . Gerri one of the biggest problems i find with the way money is run in this country for individuals like me, you know, regular consumers, theres so many fees. And you dont even kno what youre paying know what youre paying. Ultimately, youre compromising your own future. Here you are pouring money into your retirement, but its being eaten by all these fees. What do you tell people about that . This is the only thing i know of that people why and they dont buy and they dont know what they paid. They dont know what theyre paying gerri for a new car exactly. Gerri or what i pay the lawn Service Every month, but this needs to be changed. Yeah. And the crazy thing now is these fees in the world we live in today, for the average investor fees are likely to consume 5060 of your total return. Now, thats just not gerri youve got to be kidding me. No. Its true. Gerri 5060 . What am i going to retire on . Well, theres not much left at that point, and thats one of the impacts of the credit crisis and the world were live anything today, and thats why its so critical to get on top of what these expenses are. Gerri heres my worry, im giving you my most personal financial data. Are you going to sell it to somebody . Oh, absolutely not. Again, our revenue model is a subscription model, and we use the highest level of bankgrade security to secure those credentials for you. Guard vest, not even the user themselves can transfer money using guard vest. Its just a readonly service and there to provide gerri so how are you going to make money ultimately on this . Are you going to also serve the industry itself . Absolutely. Because, you know, weve been asked often times, i mean, is wall street sort of against this idea . Hey, this is the best thing that could possibly happen for good advisers, and because you youve got this independent third party service, so this is good news for advisers and, ultimately, this will be a platform to help investors find the good advisers. Its a key element. Gerri audi, its a fascinating idea, and we appreciate your coming on. Thanks for having me, gerri. Gerri time for a look at stories youre clicking on tonight on foxbusiness. Com. Fewer americans seeking Unemployment Benefits last week, a sign of growing confidence among employers. Applications dropped 6,000 to 289,000, the lowest level since october. Jobless claims have fallen nearly 13 in the past year. Mortgage rates are also falling as the 0year loan 30year loan rate hits a new low. Thats the lowest level since last may. At the beginning of the year the rate stood at over 4. 5 . The 4. 5 . The ceo of kraft foods is retiring at the end of the month. He plans to stay on as a Senior Adviser through the end of march. The successor is chairman john cay hell. America is not running on dun kip. As the coffee chain says, it is expecting slower coffee sales in 2015. They originally said sales could rise as much as 4 next year, now it may be more like 1 . Shares skidded around 7 on the news. And those are some of the hot stories on foxbusiness. Com. Still to come, my two cents more, and cigar lovers rejoice. Those cubans youve been craving, well, theyre no longer off limits. How the new u. S. cuba rules apply to your favorite smokes, coming up. You used to sleep like a champ. Then boom. What happened . Stress, fun, bad habits kids, now what . Lets build a new, smarter bed using the dualair chambers to sense your movement, heartbeat, breathing. Introducing the sleep number bed with sleepiq™ technology. It tracks your sleep and tells you how to adjust for a good, better and an awesome night. The difference . Try adjusting up or down. Youll know cuz sleep iq™ tells you. Give the gift of amazing sleep, only at a sleep number store. Find our best buy rated c2 Queen Mattress with sleepiq. Know better sleep with sleep number. Gerri the relationship with cuba is beginning to thaw after more than half a century, so what kind of Economic Impact will this have on businesses here at home . Lets go to jeff flock who is talking to farmers in carroll stream, illinois. Jeff . Reporter yeah, you know, i tell ya, a lot of people may be opposed to this, but a lot of people are in favor of it as well. Paul johnsons one of those. A lot of Business Opportunity out there. Paul, you run a Company Called chicago foods international. You already do a lot of business in cuba, right . I have been exporting, but ive seen a sharp decline in sales since 2008, so this is a victory for the business community. Reporter lets put those numbers up if we can. You see the numbers have declined. Youve still got an em bar ego. You think embargo. You think this is going to have an impact. Absolutely. We can go to cuba more freely, Banking Institutions can come in, we can do business u. S. Banks, and it levels the Playing Field so we can start competing with other companies. Reporter you are pretty invested in cuba, and i asked you to bring camilla out, your wife. Youve been married for just a year . Year and a half, right. Reporter camilla, give me a sense of the mood in your home country. Yeah. Well, everyone so excited, you know . The people are very happy about this great news. I have reporter the cuban people want to have u. S. Investment. Will yeah, definitely, they want that. They have hopes. They were hugging each other, kissing when they saw the obama speech. Theyre really excited about it. Reporter and on this side of the water, a lot of excitement too because u. S. Businesses, take a look at what the big imports are now. Everything from chicken, its mainly agriculture, but thats going to open up to a lot of other opportunity. Things like, for example, cruise lines, airports, air travel, hotels, right . Reporter absolutely. Another one that weve been really interested in is farm equipment. Thats desperately needed in cuba, so thats another opportunity. Reporter and some of these industries in the u. S. , gerri, that could use a little bit of a boost, maybe they get one from a new trading partner potentially. Gerri jeff, thanks for that. Appreciate your time tonight. Reporter thanks, gerri. Gerri and another group lining up over the thaw in u. S. cuban relationship, cigar lovers. Cuban cigars are able to be imported into the u. S. Under the new trade rules. With more on this, charles pass city of market watch. We started talking about this almost immediately, because we were more interested in sort of the social impacts and what people would make of them. Is this going to make a big difference, in your view . Well, in the long run it may. In the short run, no, because basically were only talking about you can bring in 100 worth of cigars from cuba gerri 100 of cigars and maybe alcohol. So if you want to bring in havana rum, that may cut into your cigar total. But the real thing thats getting cigar smokers all aflame, pardon the pun, is that theres an expectation maybe this is the beginning of something much bigger, that we will have this open relationship, and we will finally get these cubans on the market instead of the black market version gerri i have a theory about this, though. I think theyre so prized and wanted because theyre difficult to get. Right, right. Gerri so my question is if theyre ubiquitous and everybody can get them, will they want them . I think in the beginning, they will. There is no doubt that cubans make some very goodie garres. What good cigars. Nicaragua and Dominican Republic have basically caught up in quality, experts say. So the question now is when it becomes an open Playing Field, how will cuba compare . Cigar officionados, when theyve done their an ideal rankings, only three cuban cigars topped the top 25. Gerri youre seeing them beaten at their own game here. Right. But there are, you know, cuba, there are some exemplary cigars. The monti christos, some of these when they come on the market, i think there will be demand for them. But it will be interesting how it plays out, certainly. Gerri so i couldnt care from cuban cigars, but i do like to smell them. I think they smell like heaven. Right. Gerri if youre out there on the golf course and somebody lights up a big cigar, i think thats awesome. Theyre also dogwalking cigars, theyre the cigars you smoke for 20 minutes, and they serve a function, but i dont think the cubans will be that marketplace. Gerri i think we smoke Something Like 1 billion cigar 14 billion cigars every year . 14 billion in cigars every year. Gerri got it. Will that grow . First of all, the 14 billion represents a lot of nonpremium city or garres. Cigars. But the industrys hope is that people are going to get excited about cigars again. I mean, they were sort of excited 20 years ago, there was the big boom, but theyre going to get excited again, and this will grow the Premium Category in general. People who have never tried a cigar before can finally try a cuban, and maybe maybe when they try a cuban, theyll try a dominican. I think some of thats wishful thinking, but its still generally, this has been a good week for cigar lovers. Gerri there are a lot of happy people out there. Charles, good to see you. Well be right back with my two cents more and the answer to our question of the day. Did the u. S. , did the u. S. Get beaten by north korea this week . 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. holiday mhey is playing 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 the unprecedented hack of Sony Pictures is being called perhaps the most damaging cyber attack ever inflicted on an american people. So has the u. S. Just been beaten by north korea . We asked the question on gerriwillis. Com. 88 of you said, yes; 12 said, no. With sure to log on be sure to log on every weekday. And amazon announcing today they will perform the impossible in new york, onehour delivery of 25,000 items to prime customers. Now, if you spent any time at all in new york, you know it can take an hour just getting across a block. So we were shocked when we tested the service and found it didnt take an hour or even 30 minutes to get our goods, it took seven minutes. All of which makes me wonder, is it a golden age for consumers . It may well be. Retailers are verying prices slashing prices, extending hours and generally doing everything they can think of to get our business. Good news for consumers, thats my two cents more. And before we go, ford says its expanding a recall for deadly driverside airbag inflaters to the entire u. S. Now, the move adds 447,000 vehicles to the list of those recall. As of now bmw and chrysler are the only two automakers that havent agreed to national recalls. And we have one of those airbags on set with me right now. Tomorrow take a look at it. Tomorrow ill be joined by the car coach, lauren fix, who will walk us through how theyre supposed to work and how theyve been malfunctioning, in many cases with deadly consequences. Thats tomorrow on the willis report. And thats it for tonights show. Thanks for joining us. Dont forget to dvr our show if you cant catch us live. Making money with Charles Payne coming up next. Have a great night. Charles im Charles Payne, and youre watching making money. This market rally really amazing, it roared today. Back to back gains, record gains. The dow up 421 points, the first 400plus session in over three years. Looks great going into 2015, and if you listened to the show, at the very least you didnt panic, and a lot of you are making a ton of money. Lets go to Nicole Petallides on the floor of the New York Stock Exchange. Nicole . Reporter charles, i dont think anybody expected a move as big as this one. 400 points . Over 400 points for the Dow Jones Industrial average. The two days combined, yesterday and today, marked the most over 700 points. Thats the most weve seen in more than six years. All ten