Businesses. Trouble. They will have to prove that they are applied to the group. How much time and effort will that take . This will take a lot of time. 90 of people will ultimately qualify. For many, it will be back and forth with a lot of paperwork. The fines are not small. 2 of your adjusted gross income. More penalties for each of your uninsured children. Adam what happened if i decide not to pay . Arent those penalties dependent on whether or not i get a refund . That is right. You would be building up a debt with the irs. What if i never get a refund. You are outsmarting them. The employers are also facing big problems. They will have to provide this obamacare compliant insurance. Or pay a fine that is 2000 per uninsured employee. Retailers that have large workforces are going to really feel this. It will add about 1 per hour. The businesses, if they decide not to pay for their employees, they will be more directly, it will be much harder for businesses to avoid paying. Absolutely. They are facing bad news this year two. About 20 Million People who depend on their employer for insurance will lose it this year because those plants that are currently offered will get canceled. They are not obamacare compliant. About 20 million will get a cancellation notice this year. Adam are all of the delays off . Will we be hit by everything in 2015 . Who knows. Anything can happen, david. There could be more news down the pipe. I know you want to chime in. I welcome back to you. Lets get into the politics of obamacare. Is obamacare going to be a drag on the democratic contenders going into 2015 . Here is the question. Hillary clinton, the mother of hillary care who faced that very public defeat in 1994, if i remember correctly, will have to defend and explain obamacare. It will be a real question, where does she differ from him the administration . That was 20 years ago. It is unlikely that she would save lets go back to what we advocated in sales 20 years ago. Where will she take healthcare now given what we know . Way back in 1993 when she wrote that plan, she would not take no for an answer. If you did not enroll, the government would involuntarily enrolled you. It was really coercive. I know you are a democratic consultant. I would think if we get pumped out with more in 2015, that hurts mitt romneys chance. He is stuck with romney care in massachusetts. Well, he is. I think he also has a bigger issue. If jeb bush runs, i would sincerely dow whether mitt romney will be able to or will want to run. Does jeb have a clean slate here . I think that he can on obamacare. I think on obamacare him he will be able to argue for substantial revision. It will be a problem for them. Adam is she critical about the individual mandate . That is the real problem. I do not think she can come out against the individual mandate. My question is, how does she do it without saying we have to start from scratch. She has been ducking every question. Nominating Hillary Clinton or elect thing Hillary Clinton without giving straight answers could be very dangerous to your health. Thank you very much. Forty bodies have been found. Six files him from the planes last known whereabouts. The plane disappeared sunday with 162 people on board. Checking the big board right now. It looks like the dow is significantly down. In these days before new years, we have very low volume. The s p 500 that is down as well. Right now, it is trading up just a bit. National average for a gallon of gasoline 2. 27. Just a few years after the greenies were crowing about oil we are actually swimming in crude. Look at these states. All of these are producing our own energy. This is certainly bad news for many other countries that frankly have their derived from there. Remember al gore famously said the north pole would be out of ice. There would not be in the i set off. We now know that that prediction is dead wrong. Their predictions have been proven wrong year after year. All of that again is becoming one of the cleanest safest ways to drill for oil. Adam . According to governor andrew cuomo. New york state knows that they cannot keep up with production and basically compete with the national oil story. They needed pennsylvania. They are way ahead of new york state. I do not think that new york can make it. It appeals to liberals in new york state. Is peak oil is that theory is that. Dad . There is actually a lot out in california. That will never happen because it is california. You have alternative being used. Energy efficient vehicles. All of that is happening when you have an abundant sea of oil. We talked about this yesterday during the 4 00 p. M. Adam it is that at least for now. Thing goodness. Lori telling us about this. Perfectly illustrating the results of these thinking oil prices. After the bell a profit warning for 2015. The global story. Big Oil Companies are lowering their projects. Putting as much money out there. It is having a direct impact. There is a lot of jobs in jeopardy. That to you. I was pronouncing it the spanish way. Good to see you. Fortyeight billiondollar man. Headed to the university of michigan. Our College Sports now a sweeter deal for coaches in the nfl itself . We will discuss that next. The logo when heartburn comes creeping up on you. Fight back with lief so smooth. Its fast. Tums smoothies starts dissolving the instant it touches your tongue. And neutralizes stomach acid at the source. Tum, tum tum tum. Smoothies only from tums. Man this new mom is struggling to get the skates just right now shes holding on for dear life announcer you dont have to be perfect to be a perfect parent. Thousands of siblings in foster care will take you just as you are. Adam the s p is down. Volume very low. Remember the disaster last year a lot of people did not get their Christmas Present on time. A new report from shift matrix says 98 of packages were delivered on time for christmas. I still have not gotten your present. That is besides the point. [laughter] i think that this is actually very good news. We are comparing this to last year. We had the polar cortex. The weather capacity did these to these companies and their trucks and their planes. We had no weather this year. I think the weather really was the real story here. Kudos to these guys. They did a tremendous job. Jim harbaugh signing with the university of michigan. Fox sports is here. You have more information. Yes. The courting process. That number was being tossed around. Fox sports one came out last night. The oakwood raiders offered more money than what michigan was offering at the last minute. Why is it sweeter these days to be a coach of a college team pin in the nfl . The you are making the school a lot of money if you bring back the football program. It does not always work out that way. This is michigan football. You can have a lousy season. In this case, he went to michigan. He comes back to michigan at a time when they need him most. This is going to make everyone in ann arbor very happy. He could beat that guy. If there is anybody to take that claim and run with it yes there is liberty bowl. Shoving one West Virginia player on the sideline. When kevin found out about this at halftime, he said he spoke with him and this young man did not even traveled back with the team. Took away from a really good game. There is no place for that. Horrible sportsmanship. A time when everyone is watching. I do not think he will be back with the team. One last topic here. We always wanted the playoff teams. I like alabama to make a run with this one. He should be alright. Rtv rights starting to get a little more pricey for College Football . Thank you very much. Luxury apartments selling for high prices. Real estate in the big apple, as it topped out . Cheryl casone has the answer for us right after the break. Ah, got it. These wifi hotspots we get with our Xfinity Internet Service are all over the place. Hey you can stop looking. I found one. See . What do you think a wifi hotspot smells like . Im thinking roast beef. Want to get lunch . Get the fastest wifi hotspots and more coverage on the go than any other provider. Xfinity, the future of awesome. In news on obamacare, enrollees, rich edson has details. Peter rich the reason is automatically enrollment numbers are not available for most in the state there reporting out this information which much of the information the administration is putting out we heard from last week when they said 6. 5 million had signed up or be enrolled in obamacare, that is the number were getting all. Lease a 600,000 consumers did select plans in still exchanges. There are two systems of exchanges. 37 states dont have their own exchanges, they had to go through healthcare. Gov, 14 states and the district of columbia that have the run exchanges run and the Administration Says the information is not reliable so they break down details of what they learned from states but we dont have had my number to have a good picture of how Many Americans have signed up for obamacare they lowered their expectations expecting anywhere from 9 to 10 million to sign up by the end of the opener roman february 15th. They expected 13 Million People to sign up earlier than this, we are not getting much. Dave the overall number does that include those who qualify for medicaid that might not have in the past . That is a separate number. Ease of folks going online purchasing private insurance. Dave which concerns about policing the streets on the rise in new york and other cities have realestate isis picked out of your hit record highs, brands up across the board. The question is whether this is a bubble about to burst. Cheryl in new york city no. There are zero apartments for sale in new york. The inventory is at historic lows in the city of manhattan in particular and that is what we are talking about. Crime is an issue. We get into is that but on what is happening right now no, prices continued to go up and up and up. Foreign buyers keep coming in like they have been, russian, chinese and saudis remains to be seen. A lot of that money flooded in and those countries are having it. Connell i have lived here 34 years and seen ups and downs in the realestate market, nothing kills the realestate market in new york and i venture in other cities as well like crime. What we are seeing in new york city to your point there is a big summit with bill deblasio and leaders, he and the police are more right now. We are seeing for lack of a better word a work stoppage happening with new york city police, the New York Post wrote extensively about it. Dave let me put a fine point on it. Traffic stopped dead down 94 , Disorderly Conduct down 94 . These are arrests. Arrests are down in general 66 so the police are not arresting people. The idea that you dont arrest people for smaller things eventually they get involved in bigger things and crime goes up. Cheryl traffic citations, public intoxication, all of that. Dave if you let that go the big crime comes back. The key thing is if you are going to the new york city taxes, we pay taxes to live here, federal tax, estate tax and city tax, so if you pay those taxes to live in the city expected to save what you are paying. This is bad news for bill deblasio. It will help the unions, they know exactly what they are doing, going after him and like you say you read the numbers to the viewers. They are not issuing citations. Dave you talked to dozens of realestate agencies in the city and in cities elsewhere. Is this a concern of theirs that perhaps what some would call war against police is happening not only in new york but the west coast as well, might affect realestate just when it was beginning to get back on its own . Cheryl we are seeing the far affected york city is the big question because of taxes leah paying and highprofile story. In other cities across the country if you do see higher crime rates you do see lower home values but it is the inverse of why this happened. Look at the stock in california even parts of phoenix, my home town. If you have a high foreclosure rate you have a high crime rate. Dave we will talk more about this with charles coming up at the top of the hour so you want to stick their for that. Again it looks like the environmentalists got it wrong. So much for peak oil. We explain coming up next. Dave we are where we have been all morning 55, 56 points down on the dow. I mentioned dollars. What happened in gold over 1200 bucks for an ounce of gold. The yellow metal is up 22. 50, about a 2 rise there is Short Covering going on by the end of the year but also worries about what is happening internationally with regard to greece if greece elects a farm left Prime Minister that might cause them to pull out of the euro and cause all kinds of problems. The safety of gold again 1,200 an ounce for gold. The sony hat fbi agents were briefed by the Internet Security for norse saying Research Points to disgruntled former sony staff member, not north korea as the source of back, not the first time we heard this. Listen to what good guy hecker David Kennedy told us a couple days ago. The evidence is extremely loose, it comes down to what the actual language was that made the coding in that happen to be in korean. Theres not enough evidence to make a judgment one way or the other. Theyre using what is available on the internet to create these types of Malicious Software into was very specific to sony. They had passwords for so the, the infrastructure, this looks like an inside job. May be held from the outside. Dave president obama put a finger on north korea and the fbi standing by its findings that blame north korea for the attack. It all adds up. Cheryl the Vice President who briefed the fbi said you cant know within a few days of the cyberattack who was at fault. He thought the fbi jumped out too soon. They approached the fbi, could have been open to the private sector to say you might want to look at your information. We had several greek ports. A Company Whose language was russian for the attack, the code were written in russian and mr. Kennedy was saying it was korean. There is a lot of backandforth about what language the attack was written in. Dave i was wondering if it was an inside job 81 to put the blame on the russians or the North Koreans may be it floats the korean language or russianlanguage in there to confuse cheryl a very good point. The working pherae he brings up that was an inside job. There was money exchanging hands between someone inside sony and particularly eastern european, mainly Russian Hackers making a lot of money right now. That is a very real sphery. Most. Most of the cybercommunity to they have the sophistication . Dave lets hope they dont. Maybe one of those things we will never find the answer to. First we 5year lows for oil touched 52 earlier and it is down a touch. National average for a gallon of regular is 2. 27, price of regular gas down 1 since this time last year and still just oklahoma and missouri in the 1 club. State average for regular gas is 1. 92 1. 97 in oklahoma. The cheapest gas is still at that shell in crawfordville, indiana, 1. 59. The former president of shell oil, but start with peak oil, remember a couple years ago we were running out of oil and prices were going to 500 a barrel. What do you make of those predictions . Date to unrecognized the importance of technology in the industry. It is the Technology Industry and the industry is continuously working on new technology to include enhanced recovery from existing oilfields exploration of new oil fields and production of those fields, the wars on cold drink and fracking have come a long way in terms of releasing oil from shale rock and theres a lot of development within the industry that most of us dont know about including the environmentalists. Dave i am wondering if folks at shell oil and others took any of these people will theory seriously and perhaps cut back on some or did it affect the investment plans of any big Oil Companies teach you not during my tenure. We heard the people will first. I was on stage with a number of people will advocates, i never agreed to the people will theory on the basis we will only ever see people oil in a rear view mirror. In other words we would keep advancing the production of oil in a world that still needs more oil and currently focus more on the 100 Million Barrels a day we are going to need by 2020 than the Current Oil Price because it is all about what does the world need in the future and as long as we have technology the world has plenty of oil in it how do we separate those molecules from those rocks to bring it to consumers who want it and so that is an ongoing struggle. During my days in michelle wie were continuously focused on what is next, what is new, how do we make it happen, how do we afford it, what we develop now or in the future . Dave shell has more of a base. It has a buffer that protects it from kurd issues, current speights or falls in price. But a lot of the younger Fracking Companies dont have that kind of cushion. Some of them already, we had one company down 50 as a result of that, how much of the fracking industry will be hurt or maybe destroyed by the result of cheap oil . Oil at this price is going to harm some companies that are getting going or cant have the capital base on which to survive in this kind of oil price environment. Many companies came in were founded thinking will would somehow always be around 90 to 100 a barrel higher when that has never been promised to anyone by anyone. You live in a world of commodities. You live with the up and downs, tried to base your company on what you think is a predictable range in the oil price, such a cost structure is that you can afford to survive through the ups and downs of the commodity cycle. Dave and Public Policy officials we talked about andrew cuomo halting fracking here. What about the Keystone Pipeline. Does people will kill the Keystone Pipeline . No. The Keystone Oil Pipeline is not for today as much as it is for tomorrow. We need those Canadian Oil Sands in the u. S. Market place in the decades ahead. Our children our grandchildren would benefit from this infrastructure it is like building some kind of hydroelectric dam. It is going to be there 30, 40 years and provide future generations with what they need and anyone who would say no to the Keystone Pipeline is saying no to their children and no to their grandchildren to their disadvantage. Dave got to leave it at that. I just got an email from my wife. Says that shell guy makes sense. You at least pleased one person. Car title loans. An easy way to get quick cash but they could be a lot more dangerous than the lenders let on. Be careful if you tread in this direction. We will explain after the break. One must project success. Thats why we use fedex one rate®. Their flat rate shipping. Exactly. It makes us look topnotch but we know its affordable. garage door opening sighs honey, havent i asked you to please use the. We dont have a reception entrance. Ship a pak via Fedex Express saver® for as low as 7. 50. Dave checking the big board, it is down 52 points. Four day outage of jean Mail Services partly ended but the auditor raised questions, a great fire wall. They were funded by a Security Firm that says its Research Points to layoffs sony, north korea as the perpetrators. After last years holiday ups and fedex turned things around 90 of express packages on time on christmas eve. A five below for oil touching 52 a little earlier it is down but not as much. The National Average for a gallon of regular, 2. 27, price of regular gas down 1 since this time last year. We will be right back. Se things. Whys that . Look what daddys got. Ahhhhhhhhhh growth you can count on from the bank where no branches equals great rates. She inspires you. No question about that. But your erectile dysfunction that could be a question of blood flow. Cialis tadalafil for daily use helps you be Ready Anytime the moments right. You can be more confident in your ability to be ready. 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Rat travel booking website orbits, assuming a 22yearold guy who launched the web site after he figured out a way to get supercheek plane tickets. I used to work in the airline industry. Cheryl this is brilliant. He is 22 years old, he works for some Technology Start up in new york city. He figured out what many in the industry used to practice themselves and that is if you buy a roundtrip ticket, you want to go to San Francisco but you buy a round trip to l. A. Through San Francisco just get off the plane in San Francisco. Only works if you buy 1way ticket and you have to do a carryon bag but he created a web site to do those searches to give you the cheap ticket for San Francisco and not go to l a. Brilliant but they are suing him. He said on website i tried to log on to get a ticket to somewhere i wanted to go and the web site shutdown now. He says they are suing me and i will come back to you later but i cant offer any services until this is resolve. These are billion dollar enemies these kids just made. That much lost revenue for the airlines the difference between flying nonstop to los angeles vs stopping in San Francisco and getting off, not that big difference that theyre going after him. Dave 33 and stuff. For once we began a good deal. Cheryl people are angry at airlines more than ever, Lower Oil Prices and jet fuel is lower, why arent ticket prices coming down . Dave a big spike in car title loans, this is the way to get quick cash, give up your cars title as collateral for a loan. Sounds like an easy way to get a few extra bucks that theres a catch. If you miss a payment the lender and your car. We are joined by paul auster just reverse mortgage. It makes the sub prime mortgage industry look like and shake because this is the worst of the worst terms and conditions. The fact they are still out there and we are seeing a spike again. They have been there since the early 90s. Dave what theyre doing should be illegal. It is illegal. Dave literally illegal . Should be. There are no regulations. Dave careful what you wish for. Regulators start regulating one thing and go to another and another. Stuart varney would have a field day but at the end of the day this is an area where there needs to be regulation. The average consumer has no idea what theyre getting into. Most of the atrs are triple digits, 100 Interest Rate on a loan you take and in the holidays you have Companies Like i hate to Bash Companies but they are the ones out there spending lots of money and they say dave, turn your car into cash for the holidays, it would be nice to put gifts under the tree with a shortterm conventional dave buyer beware. If you are a responsible adult who can walk and talk at the same time you should know better than to get involved particularly if youre doing it to get Christmas Presents or something. The fees, terms and conditions are tricky at best. Is not easily understood by the person dave a lot of stuff out there is not easily understood not against the law. And it requires an informed consumer who can make decisions, to take responsibility. They are not informed. The contracts now they better be because it is deceptive advertising at its best. Is not conventional. It is sub prime, terms and conditions are brutal, they are set up so you dont repay the loan. The average title alone is the 95. The average value of the car they lending against is 3,000 so they want you to falange the fall so they take their vehicle. They resell it. Dave they can make enough money. The spread is incredible. Or lease it out and making money. Dave what does it say about the situation we are getting into . Again into another sub prime bubble that could explode on all of us . When you have Small Businesses who are seeking cash advances through merging catch advance companies this is a shoe that will drop because banks wont lent the money and everyone says smallbusiness is the road to recovery but banks wont lend the money so they are going to emerge in cash advance companies. Consumers are going to tidal loans. This is what is happening underneath what they want us to believe is going on. Is middleclass america in a better condition than they were a couple years ago . Not when you see a spike in title loans like we have over the past two years. Dave glad you are here. Thanks for telling us about it. 2014 has been a year of geopolitical threats. Up next peter barnes wraps up for us and tells us what to expect in 2015. Youre driving along, having a perfectly nice day, when out of nowhere a pickup truck slams into your brand new car. One second it wasnt there and the next second. Boom youve had your first accident. Now you have to make your first claim. So you talk to your Insurance Company and. Boom youre blindsided for a second time. They wont give you enough money to replace your brand new car. Dont those people know youre already shaken up . Liberty mutuals new car replacement will pay for the entire value of your car plus depreciation. Call and for drivers with accident forgiveness, Liberty Mutual wont raise your rates due to your first accident. Switch to Liberty Mutual insurance and you could save up to 423 dollars. Call Liberty Mutual for a free quote today at see Car Insurance in a whole new light. Liberty mutual insurance. Dave from the rise of isis to the russian invasion of the ukraine 2014 has been full of threats from abroad. Lets go to peter barnes washington to wrap it up for as. Peter isis ready picking across theory and iraq and russia invading the ukraine were not enough in 2014, north korea made a National Security trifectas this year with threats to launch 9 11 style attacks on american theaters that showed the interview. Congresswoman mike rogers thencongressman mike rogers said because of the attack on the company the threats of violence, this is a nation state attack on the United States. But an end of 2014 in iraq isis appeared to be in a standoff against iraqi forces helped by american air power which the u. S. Used against isis and syria. In the ukraine the government horrible forces in the east and russian backers were bogged down in negotiations to end the conflict but it was the acting of sony that was the most sensational National Security threat to the u. S. Wasnt just about the movie or its studio but the vulnerability of the u. S. Financial system, telephone networks, electric grids, Defense Systems and more to cyberattack and the u. S. Government and u. S. Companies are on notice and on guard going into 2015. Dave thank you very much. I just went to see a movie over the weekend, unbroken a pretty good movie but there was a trailer for a film about terrorists using cyberat tax to cause physical harm and death. Will we see that . I saw that. That could be the next level but if you think of it what is the address motivation . Terrorism aside . Many. That is what we will see. Dave that is the motivation of isis death and destruction, evil we dont want that. Cheryl i dont think they will have that ability. I will see you at 4 00 p. M. Eastern time. Dave new at noon dozens of appleby restaurants, he is not a happy camper about obamacare and 2015 will be much much worse. Two minutes away. Dave the market has been doing great this year, zero Interest Rates, helped with the bottom line but in 2015 Interest Rates will probably be going up. The cost of obamacare and other regulations will certainly be going that. Can we sustain the rally . We have it covered. The second hour of varney and company starts right now. Dave we want to bring in one of my favorites, apple metro ceo, you are a businessman, you run 37 appleby is in the new york region. Obamacare has been keeping you awake at night. What will happen in 2015 . I have no idea. We have to get into it but it is much worse. Through several years i have been talking about, much worse now that we are here. The update was oct. 31st, now we are calculating so heres what you have to do. We have 3,000 employees. We have to that as of oct. 31st who is a fulltime employee, we came up with 7. Dave to get insurance and doesnt . Who has the access ability to the insurance. They dont necessarily have to take it. Theres a whole list of things going on. I dont know how everybody keeps track of it but i have two full time guys for several years. Here is what happened. January 1st, take a look at who is available. We have 600 people available, 3,000. We have to go to them and say do you want it or do you not want it . They opt in or they adopt out. We had to get an outside firm. First we went to a law firm to say how are we going to navigate this, it cost 10 grand to get this council. Than we are self insured. We had an Insurance Company that monitors ourself insurer, our people who will not fit into this we had 28 people opt in. Those 28 people have to be contacted, asked if any. 5 of their gross income 37,000 a year, 2,400 to go towards healthinsurance. Dave i think we get in an idea of the morass you have to deal with. Is there anything you have never dealt with regulations not close. I dont know how people will navigate through this thing. Dave you are doing very well. You are doing spectacularly well, you have the money to pay for this but a lot of Companies Just struggling along how will they afford this . 24 people will cost us 80,000. 24 people. Dave for those who dont know this is the first time you got to know this guy better. One thing that impresses me about your operations, you agree relationship with your employees, they arent family. It is not just saying, you really have proven it by what you do in working with them. This is a law that is supposed to make life better for employees but in this case is making a worse. Much worse. In addition we are on the defensive. If someone says they dont want to opt in they dont pay the insurance which we have to chase from for they dont pay it. We kick them out they go to the government and say we chose to do it but we werent given the opportunity. We have to defend ourselves that we did offer it to you. Dave not only is it costing you pain and money and time and effort but also costing the employees so who is it helping . Maybe mr. Obama the stockholders the big Insurance Company. Dave Insurance Companies and other people who are subsidizing the directly or indirectly by this are doing well but the employers and the employees in your case are doing worse. Much worse. The law says you have to make available Affordable Health care to all of your employee populations that qualify for this. Dave the fact is you have been bullish for a long time for good reasons. The market, people had listened to you would have made a lot of money. But you got to factor in the cost of doing business and they are going to be increasing bigtime in 2015. Charles they are but the issue is a company like this with 3,000 employees versus the start ups, starting to make a, this hurts us, the smaller names generate growth, they generate job growth and that wont necessarily be reflected in the stock market. It will be felt in employment it will be felt also in the sort of feeling on mean street because mean street gets to this. My mom wasnt a stock analyst but told me to by t. J. Max along time ago because if you dont talk listen to your mom firsttime. Dave let me push back a little bit. Smaller business in general, wont it eventually affect the bottom line, Big Corporation . Charles there was a supplemental special supplemental question about wages and Health Care Costs. 66. 7 said Health Care Costs started to go up. Much more in december it and the rest of the year. Larger companies are saying that. Will be offset by natural gas going to maybe four year low, gasoline to a five year low. Could be offset by the strong dollar . There are certain things that may offset it. It is interesting. No doubt about it. The employment situation, marginal guys coming up is clear they will bring everybody below the full time employment rate. That definitely impact employment. We are not firing anybody but i do know lots of companies are bringing people below that 30 hour a week limit. None of this Charles Peter barnes 87 subsidized. That is the part to the supreme court. Dave another issue that might affect jobs and the economy on the front page of the New York Post the Police Department arrests down 66 . Down 94 , it was a small crime right now. And the big crimes grow as well. I dont think it will go on long. This is a kneejerk reaction. Some things like the eric garner thing as a guy selling loose cigarettes, a nuisance to the store owner who called the police, erich garner new the cops, he had been arrested 31 times and all those things build up to make a community worse. We dont want a rampage of murders and Everything Else but if this thing persists that we see right now. Dave the battle between the police force in new york and the mayors office, there is a heated battle because the police do not see the mayor as supportive. Charles he has not been supportive. In my mind there are two types of leaders, there is a leader of the talks about how bright the future is for everyone, ronald reagan, morning in america and the leader who divides and conquers, these people dont like you but i got your back. Bill deblasio and obama are from that mold. Connell theres a battle between two side of new york, the more conservative side and the lead sort of liberal side represented by the New York Post on one hand and the New York Times, the New York Times has an as real today i know youre dying to get in on where they lambast the Police Department. The snarling sense of victimhood among police that seems to be motivating the entire bill deblasio campaign. To call the Police Department snarling and victimhood and using phrases like self pity because two Brave Police Officers were killed without being able to draw their weapons in a car is disgusting. This from the New York Times, the lead editorial in the times makes me furious. Dont hit me, i am on your side. I talked to the rookies, their first day on the job and i am very familiar with who the new york city Police Department is. I can say almost no one joins the new york city Police Department to be discriminatory, to throw their weight around, to hit somebody with a billy club. No one joins it for that. They join it for a higher means. This kind of divisiveness pushes people into a direction and fade to become desensitized to why they joined the nypd. Dave i dont understand how they come out with garbage like this. Charles i am not surprised. We have an elite community in america particularly in new york San Francisco that take their freedom for granted. The people go to the hamptons, they take this for granted. They dont understand. Without somebody sacrificing those two officers who were slaughtered in a police car, slaughtered so these people can write this crap and go to the hamptons next summer. Let me say quickly, no one is talking in that conversation, the two unfortunate lack men that were killed had done two things, one is committed crime and not comply with the police officer. Dave this burger chain filing for an ipo, people your business area. The middle layer mcdonalds not doing well. The middle layer you states, years ago, a lot of people this week spot of our population. Dave a rich place like this. Right time, right place. The millennials are all about freshness and the kinds of things that they are feeding in to. Dave is it a buy . Charles i love it. Innovation. We think about innovation as high tech but innovation of destructive technologies or Business Models happen every layer of society including restaurants, jacoby Mexican Grill is a great example. If you but thats not ten years ago you would be on easy street several thousand . I love what i see so far. Dave a lot of people dont know you are in oil too. What is going to happen . I saw your point with shelled just now. The Large Companies obviously the peaks and valleys work through this thing. That is our best guess through 13, they put out 150 rigs so far through 15, another 500 rigs go down, then we see where it goes so theyre putting their rigs down. Dave what a pleasure to see you. Gold is the winner today, helping gold stocks. What is going on . Lori the mood among investors today with equities trending lower backing off of record highs. We are seeing treasurys higher the dollar is strong gold is up too 23 gain a troy ounce, almost 2 . I find that interesting. This is the g. D. X higher all session long, up 2, almost 2 gains. The market sector, up g l d or d e x up almost 5 today. 5. 5 . Looking at the end of 2 . The story of backing up and enjoying the record levels, taking some risks of the table. Dave a recovery going on there. Sony making 50 million out of its controversial movies the interview. Some say that means it is a flawed but someone who says something a little different, stay tuned. If you take multiple medications, a dry mouth can be a common side effect. Thats why theres biotene. It comes in oral rinse spray or gel so theres moisturizing relief for everyone. Biotene, for people who suffer from a dry mouth. So ally bank really has no hidden fees on savings accounts . Thats right. Its just that im worried about you know hidden things. Ok, whys that . No hidden fees from the bank where no branches equals great rates. Dave a lot of my favorites in today thanks for joining us. Stuart varney always says stocks wants to go up but the rally continues into next year or not . Looks like a stall right now. If we continue the rally it will be hard to put three years of doubledigit gains on so next year we will probably put single digit gains but it will be extremely volatile and i think it will be volatile because the u. S. Numbers for the economy will start to fall apart a little bit, the free money we will get from the ecb or japan or china will keep things boosted for the shortterm so i think we will see growth in the stock market but it will be lead from overseas. Dave the cheaper their money is the more expensive our money is and that makes it tough for us to export over to them. Yes it does. That strong dollar, a large part of the problems we have seen. October 15th, we have 185186 we make a move toward that level because i dont see the green grass everybody else does. We have some means that they will be small next year but extremely volatile. Dave what is happening today . Will the last . I dont think so. We are in deflationary times 1,200 gold, very expensive in a deflationary time. I am not concerned about it. Dave thank you very much. The Box Office Figures for Christmas Day have been released and the sonys new tv interview came in at number 14. It is in 331 c petters. Senior me yet analyst paul degar degarbedian degarbedian. That was pretty good. Cheese mr fewer theaters than was originally intended to be in. This was to be a wide release comedy and apparently was going to go to 3,000 theaters and when the threats came from a the major theater chains pulled back and independent theaters showed the movie in their theater is. A Christmas Day alone the film earned one Million Dollars to packed houses that were sold out where people express their patriotism going out to thumb their nose at anyone who tries to tell people what they can or cannot see. The camaraderie that existed in the theater pointed out how important the in theater experience is. You are sitting with a bunch of people having a realtime. Comedies, war movies especially so agree to see in the theater with other people and for the interview in in bt happening so to speak, people were talking about it and it became a big deal in the culture, in the zeitgeist. Were still talking about it. Dave is a 1shot deal as opposed to Something Like rocky Horror Picture Show which began called classic. Word is getting around that it is just not a very good movie. Word of mouth is important. Eventually it may have the run up for the reasons you mentioned in the first round but i dont see a second or third round for this film, do you . It was more what the movie represented and the movie itself. It wasnt even about whether the movie was good or not good. It was a symbol of for people about freedom of speech and the ability for moviegoers to decide what they can or cannot see. It is the forbidden fruit thing. Once people knew this was something somebody doesnt want me to see i am going to see it. People lined up in the theaters and also watched it on line to the tune of 15 million over the weekend. Is around 20 million. Connell the online fees a lot of studios were looking at it, and coming out on line, is it Something Likely to be replicated . I doubt it. When do you have this situation again. It would be like lightning and a bottle. This was such a unique situation if two weeks ago anyone could have predicted they have to have a crystal ball i dont know how you would ever imagine a situation like this but when this story hit the Mainstream Press people like my mother who ordinarily wouldnt have any interest in this seth rogan, eddie was asking about it, wants to see it, if this became a worldwide story for everyone was interested in. It wasnt Just Entertainment press. Connell are we ready now for any other terrorist threats, not just ones that are sublime france up from islamic terrorism from isis or somebody if someone tries to come out like this will there be another threat like this . I dont like the possibility of a Chilling Effect on content. I hope filmmakers do what they do with that creative freedom. This is a global business. They hobbit has earned 600 million in theaters already. People want to go to the Movie Theater but is about the big movies. Dave they dont have a lot of backbone. When faced like rats i dont know if the most and up to it. I appreciate it. Coming up a pilots perspective on the air asia flight crashed. How we can make flights more safe coming up. I take prilosec otc each morning for my frequent heartburn. Because it gives me. Zero heartburn prilosec otc. The number 1 doctorrecommended frequent heartburn medicine for 9 straight years. One pill each morning. 24 hours. Zero heartburn. Youre here to buy a car. What would help is simply being able to recognize a fair price. Truecar has pricing data on every make and model so all you have to do is search for the car you want there it is. Now youre an expert in less than a minute. This is truecar. Gold. Stocks move lower. Forty bodies have been found in the area where irrigation of flight last made contact with controllers. Lets start with the debris field. There is a couple of things you need to answer. Did they lose power . They would have been able to fly. The debris field where they found it was 6 miles from the last known position. Only six. It came down. It did not coast. It was catastrophic obviously. We also did not hear any mayday calls. The emergency locator beacon is not locating. It was violent enough to kill off a black box. I am told by a lot of people in the business that make these claims that there is so much flexibility that they cannot shake apart. That is not true. There is not a pilot alive that knows you should not fly into a thunderstorm. You can get into a situation where it will grip your wings off. They can bend those wings to where the plane is almost up. That is why you never ever go into a thunderstorm. Given the power of this storm and off the radar, we have an idea. Should any pilots have worked their way around that storm rather than go through . The pilot in charge is truly in charge. Air Traffic Control has to move planes around you. You will go where you need to go to stay safe. You trust your own judgment. Yes. There is a rigidity and he wrote about korean air. Do not question authority. You cannot make a left turn. Here in the United States, you would turn. Todd sullivan, thank you very much. A big fbi bust in vegas. We have all the details from a former member of that mit blackjack team. That is right after this. Stamps. Com is the best. I dont have to leave my desk and get up and go to the post office anymore. [ male announcer ] with stamps. Com you can print real u. S. Postage for all your letters and packages. I have exactly the amount of postage i need, the instant i need it. Can you print only stamps . No. First class. Priority mail. Certified. International. And the mail man picks it up. I dont leave the shop anymore. [ male announcer ] get a 4 week trial plus 100 in extras including postage and a digital scale. Go to stamps. Com tv and never go to the post office again. Checking the date forward right now. All of the indices are down with the exception of gold. It didnt touch it the to a little earlier. Down 0. 25 right now. The National Average for a gallon of regular is changing. Price of regular is down more than 8 since this time last year. The state average for regular gas, 1. 92 in missouri. Oklahoma 1. 97. 1. 58 in indiana. Alleging highrollers on junkets were being illegal gambling rings without the casinos knowledge. In San Francisco joining me now. Jeff, you have to hand it to them. These things cost about 10,000 a night. 25,000 a night. Nobody actually pays for these things. Working against the interests of the casino. I do not know if they were working against the interests. They could be doing something illegal. Any time you get this sort of equation with people with lots of money, it could lead to something. They were certainly taking market share away from las vegas they are in there and they are doing something strange. There is just some crazy stuff that could be happening. There are groups of really rich people coming from outside the country. Doing a bunch of gambling. Maybe there are some good poker games. All of those three things is how they connect and could lead to things like money laundering. You have lots of cash. You do not have a big paper trail. I do not know if they are really not vulnerable. Him las vegas is just in trouble. These games that we play where invested. I do not think that there is any way they are not vulnerable from that stand point. Breaking news from george h. W. Bush. It is good news. He has been released from the hospital. He is resting comfortably at home. Meanwhile, we have called millennials of lost generation before. People under the age of 40 do not know how to fix things anymore. Young people just expect things to work. Lets bring in one of our resident millennials. You agree with this . In some part, i do. There is one element that i would pushback on her dyke gnosis. I do think if we would have these that are so complex and so hard to understand and easy to use, that is a great progression for the modern economy. Twenty years ago used to have him a vcr, calculator, now all of those things fit in one device in your pocket. Many of us are very helpless. The modern economy is proving so quickly and so rapidly. No doubt productivity has been increased immeasurably. It changes the way you think. Frankly, a lot of people get her because of it. It does change the way you think. I do agree with you. Wisdom has never been so scarce. People seem to have their heads out all the time and just texting. Blaming devices for the illiteracy or lacking intelligence is like blaming the post man for junk mail. I am just interested in knowing how thinking patterns may change. I think you hit upon one thing. Nowadays you want instead ratification. If that goes down or if there is something wrong, boy people, inpatient quickly. I agree with you. Previous generations have to get up earlier and work a lot harder, in my opinion. Young people expect a higher paid job. A lot of the associations are part of the Instagram Netflix fine twitter generation. You are a millennial that certainly it will be a busy tax season all thanks to obamacare. We will tell you exactly what to expect. What you have to do differently after a short break. Checking the pig forward right now. Meanwhile, a fourday outage. The questions about whether or not chinas notorious great firewall will hold up. Briefed monday by a Security Firm that says its Research Points not to north korea as the perpetrator. Turning things around quite well. National average is 227. We will be right back. Back to your money now. Michael, start with a pick. It is not a household name. What do you like . I really like amber rolla. It is a terrific backhand play. They do video processing chips in high depths. The most successful product on the market today. Twentyeight team, every crime in the United States they make the chip for the backup cameras. This is a company that has its fingers in a lot of different pies. Down 2 today. Such a frustrating company. The s p is up 46 . Third quarter was essentially a break even on earnings compared to quite a bit of earnings figure p 4. The ceo enters the fifth year in the hot seat. One of the times warren buffet was wrong, by the way. Obamacare was signed into law. First of all, what are you going to see . Some folks will see something very dramatic. Obamacare imposes three different things. You either have to have a minimum essential coverage, number two, you have to have an exemption to get out of that. Come april, when some people are filling out their tax return, they will be asked, do you have Health Care Insurance . If they dont, they will have to pay 95 per adult. The question now is how the government penalizes people that decide not to pay. They can only penalize you by giving you less money in return. If you are getting a refund. That is only one thing. The big money is the self taxes. The ones that we really do not see. Eventually, it trickles down to the taxpayer. It is hard to find many. If you have a stock, you sell it now. Here is the thing, i never let them do it. It is an investment choice first. I sell the stock. Sell the funds. Whatever. There is only one day left to do this. Why not take a look and see if you have some unrealized losses. If i have a 10,000, 20,000 gain, why would i want to pay on that . Good stuff. Thank you very much. Claiming they make the road safer. A new study showing it might be doing exactly the opposite. If you hate these things, we have details that will make you mad. Coming up next. Chicagos Red Light Camera Enforcement Program is the biggest in the country. Just give me another reason to hate these things. They are marked with these photo in forest science. They all have these cameras up here. You can take a picture of your license plate. They play to have a study done. What did they find . Some crashes were reduced. They found people slam on their brakes. Maybe they are not really making it safer after all. Half a billion dollars since this program has begun. I will tell you about this intersection in particular. It caused a number of tickets. City contracts are notorious for corruption. Huge corruption. Apparently, a city worker was getting 1500 from the company for every red light camera they have installed in the city. Corruption in chicago. David, it is rare. Very rare. Adam jeff flock, thank you very much. Good to see you my friend. More varney after this. Adam other people that are subsidized. The employers and the employees, in your case are actually doing worse. Much worse. You have to make available. That is what the law says. That was our buddy. Never out loss for words. Now, it is time for the year drop bolted. Thank you so much, david. Eight god who hacked sony in the biggest corporate attack ever . My relationship with celebrity chef. The biggest corporation ever. 47,000 documents with celebrity Social Security numbers, addresses, emails, employee salaries all made public. The hackers are mor