friday, we got the florida primary. but in europe they're still bickering over greece. too bad the big pig in the room is now portugal. betting the farmville. why zynga's fun and games are serious business and rich greenfield is here to say doubt zynga as an investment at your own pairl. a private school now costs more than $40,000. is this everything that's wrong or right with education in america? we'll dig in, mandy. >> we certainly with. i'm mandy drury. happy to be back. steve liesman over to you with the details. >> thanks very much. the federal reserve reporting the january results of its senior loan officers survey of banks and it's some interesting results here. demand has risen for commercial and industrial loans reversing the prior quarter that showed a decline. and this is really interesting, loan demand for small businesses at the highest level since 2005.

this is the net first banks rortsing an increase in demand. small business borrowing and demand for small business been one of the keys we've been looking for turnaround in the economy. it's unclear but maybe this is a really good sign. demand for consumer also turning positive for the first time since 2005. lending standards across the board largely unchanged. and u.s. banks have been continuing to tighten standards to companies with european exposure. but this is really interesting for you guys looking at the u.s. banks. they're picking up business, they say, in the survey from european competitors. so, brian, mandy, this is an interesting sign. it's something we've been waiting to see. it reverses last quarter's decline. we'll see if it continues. >> yeah, steve, just to jump in here for a second, it's very interesting study. no offense to this loan officer survey, generally doesn't produce a lot of news. to me it's very interesting because it goes to wlast been a theme on this show which is problems in europe may see a capital move here in terms of stocks and bonds but now we're

also talking about credit demand flowing this way. >> right. european banks are pulling back for servicing their customers. some u.s. banks are definitely stepping in. but it's the small business headline that really caught my attention. you're right, this is not a newsmaker or market mover until it is. and this is the sign we've been waiting for. i think we're going to have to see it continue to get people really excited about it. >> steve, thank you very much. appreciate it. let's get you set up now because it's a big week. portuguese pain today, facebook, headlines everywhere. seems a time to start the week, reset a bit, go through our "street signs" street light and get highlights and low lights of this market. certainly the red light right now could be the red in portugal's flag, the country perhaps the new greece. look at the bond yield on the 10-year portuguese note. last few days, folks, off the charts. we talked about it last week. the one-week change in that bond yield 18.5%. bond individuvigilantes not con

greek-style bailout might be possible for portugal. also note that the ecb dramatically slowing down bond buying in the eurozone. your yellow light, kind of stop, go, don't really know, stock investors still largely sitting on the fence, clearly nervous about putting their money to work at least in equities. look at this data from ici, investment company institute. they're the firm that track ths stuff. the data's about a week old, keep that in mind because they have to tabulate it. $9 billion in equity outflows the first week of january and inflow of $1.4 billion the second week $484 million outflowed. total still inflowed the last couple weeks most of that money going into bonds. here's the bottom line of this. not a lot of new money going into stock funds, but at least the money that's there isn't making a dramatic move out, which is our green light. volatility or lack thereof. investors who are already in this market, not that spooked, right. the dow had what? i mean tons of triple digit

moves last year. hardly any this year. we had one earlier today, but the volatility index shows despite all the stuff we've talked about, guys, 2012 from a volatility standpoint is certainly not 2011 and that's our green light in the "street signs" street light. thank you for coordinating your outfits in honor of the green light. >> indeed. we need a little more of what i'm wearing today. mixed signals as we can clearly see from brian in the market. what does it mean for your money now? joining us from philadelphia is director of investment strategy at glen meade. what do we need to have a convincing break out to the upside. we need to have something. >> thanks for having me on, mandy. this is a difficult environment. we're dealing with a lot of deleveraging factor which is are really going to subdue economic performance. having said that, as long as we get this kind of continuing thought process that the ecb and the fed are going to stay here in a backstop sort of mode, reality is equities are relatively inexpensive and

majority of protective assets are relatively expensive. that should favor investors to some degree. we think it's going to be a sort of steady growth sort of period not the off to the races sort of period. this should be an environment that favors some risk taking. >> jason, where would you put that risk then? straight up u.s. equities? if so, big cap, small cap, be more specific about where the best value to risk position is. >> sure. we've been pointing out don't want to be in full equities on one side and also don't want to be hiding in treasuries and cash. you want to focus your investments in the middle of the risk spectrum. higher quality equities, dividend-paying growth. taking risk. high yield bonds, international government bond allocations particularly in the emerging markets. commodities. and even some secured options portfolio. >> i'm glad you mentioned emerging markets and i'm glad to brian's point about where geographically you would go for

equities. just at the past week the egyptian stock exchange was up about 15%, also argentina, russia, hungary also soaring. do you think this might be the year for the comeback for emerging markets after a really bad 2011? >> we had a bit of a comeback year for emerging markets in 2010, i think 2012 might be some of the same. >> but which ones? >> mainly in the asian markets. reality is that that growth story on back of a rise of 10% to 20% in consumer incomes is very, very strong. the balance sheets of the governments are extremely strong to be able to avoid or offset any sort of downside that comes even from a marginal move to the downside in the housing environment there. we think that is the long-term story. and as long as the european story does not devolve into an abyss, i think that is something that will continue throughout 2012. >> jason, how do you sell it to

the american public? look at the data we just showed. for the last few not only weeks but years. you talk to people, i meet them in airports, i'm sure we all do, and they say, brian, like the show. out of the stock market because i'm sick of getting burned. i'm tired of equities, it's a rigged game. how do you fundamentally recover confidence in the u.s. equity market? get people to put money in. stocks are only going to go higher when there are more buyers than sellers. >> from our perspective, this is a risk management sort of situation. there are a lot of attractive assets out there, but if you just went out there and bought the average risk asset, you would have way too much risk in your portfolio for this environment. we have found a lot of ways to kind of bring that risk back down in without just buying cash and treasuries. that's what we've been pushing our investors towards. and the way we think is advantage way to invest over the coming year. >> what if you've been making of the recent earning season? according to recent data only 58% of companies that have reported so far have beaten which is about the weakest

showing since early 2009. do you feel earnings are starting to peak here or have peaked? >> this has been one of our main concerns coming into this year. for 2011 and perhaps for 2012 we were concerned about that with the economy slowing. the economy is now picking back up, but those analyst estimates are still having to come back down to meet truly what those companies will be able to earn. eventually we think those will cross and economic data will start pushing the analyst estimates back up again. for right now, we're going through a period of analyst estimates having to come back in to where they realistically should have been. >> jason, thank you for joining us today. >> thank you. >> let's get to herb on the street. before we get to something about not liking telephones, i want to ask you quickly the last point she brought up with jason. about earnings and expectations. people are saying look at the earnings season, not crushing expectations but is this more of a problem with expectations -- >> no. we're looking at somewhat of a slowdown. if you look at all of the

numbers, slowdown in sales, slowdown in earnings. so the growth is certainly slowing. and the expectations is the story everybody wants -- >> fair enough. what's this about you hating telephones. >> has nothing to do with me. >> first off get rid of the rotary dialer at home. >> i still have one of those -- >> 628 please, mr. potter. >> we're talking about conference calls. everyone time this year we're in the earnings season i get worked up about the calls because i talk to my contacts and they always say i was pressing the button and nobody took my call. we're talking about institutions, people who actually own the stocks. we talked to the companies offline and will not necessarily ask the politically correct company -- question. you talk to people like people who work at a company like yahoo!. yahoo! totally all sales side analysts. you look at a company like caterpillar, all sell side analyst. the difference between those two is very interesting. yahoo! -- and i understand you have a new ceo -- >> give the guy a break.

he's been there two weeks. >> he's still running the company. >> he's going to fix it. i've had two weeks, here's the magic answer? give him a break. >> he could have come out and said i know you're all wondering what's going on with the board and what we're doing. he didn't even draaddress that. all they did in the beginning was say we're not going to talk about our asian situation. caterpillar come to the bottom of the call the ceo says you never asked about china, let me tell you. he came back and actually brought up something he thought the analysts would ask. that was very smart. but still -- >> that's a good point. it happens here too. don't you love when you get a ceo on or somebody in a position of authority and they sit down saying i'm not going to talk about this. you're like that's fine i'm going to ask you about it and now i'm really going to ask you about it. >> not talking about the thing everyone really wants to know about it. just barely unpacked frames on his desk -- >> i don't know. the bottom line here -- >> i'm joking. >> they don't take calls from anybody but the politically

correct. >> yeah. >> that was a joke. >> take it easy. >> that was a joke. >> it's monday. >> i'm excited. >> i'll explain what a joke is later on after the show. up next on "street signs" you're going to hear from one analyst who says farmville and mafia wars are hardly fun and games. he's a true believer in sin ga. >> plus, it's only monday, but herb already needs to do that. okay. [ laughter ] >> let me tell you something -- >> we're going to talk about some beverage trends, actually. yellow mull et hair guy shirt win. >> look up joke in the encyclopedia. energy, while protecting our environment. across america, these technologies protect air - by monitoring air quality and reducing emissions... ...protect water - through conservation and self-contained recycling systems... ... and protect land - by reducing our footprint and respecting wildlife. america's natural gas... domestic, abundant, clean energy to power our lives... that's smarter power today.

i'm making my money do more. i'm consolidating my assets. i'm not paying hidden fees or high commissions. i'm making the most of my money. and seven-dollar trades are just the start. i'm with scottrade. i'm with scottrade. i'm with scottrade. and i'm loving every minute of it. [ rodger riney ] at scottrade, we give you commission-free etfs, no-fee iras and more. come see why more investors are saying... i'm with scottrade.

20 years ago next month it was the first internet company to go public. 20 years is a long time. i think the baton has been passed to the next generation of companies. what we talked about community back then is now called social media. owners of facebook have done a tremendous job. >> that was steve case on squawk on the street this morning talking social media as the big company with the blue and white logo preps to go public this week, perhaps. and ipo casting new light on other social media and gaming companies like farmville maker, zynga. some say avoid at owning this company at all cost. it's not diversified enough. you name it. our next guest says ignore zynga at your peril. rich, happy to have you on "street signs." why are you in love with zynga? >> i think there's a few key tail winds that really are driving this story.

first, obviously, you've got this overall concept of people love to kill time. tv, watching cnbc, watching nightly television, been the cure for boredom for a long, long time. now you have a new way to kill boredom, which is to play games and to play games with your friends as well as people you don't know. not just near you but all over the world. you have a socially connected world. on top of that, everybody across the entire world is getting a smartphone or a tablet. these devices that are ip connected. so all of a sudden you've got a huge audience with a new phenomenon and a new way of interacting with their friends and playing games and killing time wherever, whenever. and zynga is the leader in this space -- >> i'm going to stop debut in december was a complete dud. obviously the talk back then it would bode badly for any ipo facebook put forward. do you feel some of the valuations for some of these internet-related ipos are completely detached from their underlying business and maybe

facebook is one of the most overhyped ipo of all time. >> it's trading above where it went public. >> it didn't take off very well at the start. >> you know, look, i think this is a long-term race, not a sprint. i think when you look at the opportunity of what zynga's building, here is a platform that has over 50 million people playing every single day. you look at the overall size over 200 million people playing their games every single month. i think what's important why we like zynga so much is here's a platform over the next 12 months you're seeing them launch a lot more games than the rest of the peer group and they have the scale to make existing games or leverage those existing games to help new games be more successful. >> rich, this is herb. i hear you on all that, but they're not the only guys in the space. they may be the leader, but what's to make facebook not come out swinging in such a way that they can't really take share back? or somebody else or someone who isn't even out there right now? >> i think facebook is one of

their best friends. we put up some videos on our blog a couple weeks ago of a gaming forum they had on the west coast where facebook's actually teaching gamers, including zynga, how to better use its platform to make more money. >> are you saying there's no competition for you in this space? >> there's lots of competition. >> how will that effect mash gins? how will that effect the business in general? >> i think there's a huge opportunity. overall growth of the space. this is not just about market share. you're not talking about a zero sum game. we're very early stage in social gaming. i think when you look globally -- >> when there's lots of competition in the space, who do you think zynga should fear the most? >> well, your comment on facebook, let me just take that first of all. facebook is not so much a competitor. it's enabling the platform. the fear among people who don't like this company is that facebook is going to do something to hurt social gaming or to hurt zynga or hurt the category. the reality is this is one of the most important businesses to facebook. and i think if facebook wants to go public, they're going to need social gaming -- not zynga, but

social gaming as a category to be very successful. >> quick point to you, herb, and a question to you, rich, sound like a sports show caller. there's a lot of institutional weight behind zynga, overweights at morks, overweights at barclays, a big sell side push on this name even if you don't like it, there's a lot of brokers out there trying to sell to clients. >> thanks for that. >> if it is legal, if we get legalized gambling, zynga poker, how big could that be? >> zynga's poker game today, texas hold em poker is the biggest game in the world -- >> if we start getting legalized online gambling -- >> people are playing now and spending real money on a virtual game. just imagine if it was real money -- there's going to be robust competition in this case. lots of people will be involved. this is the biggest company, by far the leader in the space, and they're taking advantage of it.

they're not sitting around idly. they're launching more games in 2012 than they ever have before. i think you want to get on board and go for the ride versus miss it and debate which company's market share ends up being the largest in a massively growing category. >> rich, thank you for joining us. >> say one thing to you, brian, you try to school me and all these guys with big buys, that really doesn't impress me -- >> i'm not trying to impress you. i'm saying there's a big sell side push on zynga. >> there's a big sell side push for any number of reasons. i'm just telling you, you know what -- >> by the end of this school year but tonight get on your 64, dial up and check it out. you might like it. >> i have. >> you can play dellville. >> just because you like it or don't like it, just because -- >> tip the golf cart, man. >> just because you like it or don't like it, doesn't necessarily it's a great investment. >> i'm not advocating the stock. there's a lot of sell side brokers pushing the name. that's it. that could be a bad thing. >> okay.

frat house time time-out. show goes on. >> wish herb would go on vacation. >> tomorrow. >> one note, according to entertainment weekly, cbs ordering a new pilot for a show called "friend me." move to l.a., herb, to work for groupon. epic fail or great idea by cbs? >> i think the tail is start their exciting new lives at groupon. >> i don't think it's going to matter to groupon one bit. i saw the story and i thought what does it mean. >> they're actually using the groupon name and the wrong city. >> that's fabulous. doesn't matter it's the wrong city. >> won't help the company. >> not at all. >> i think that's just wrong. use the right city. >> doesn't matter. either way. >> just ahead, on "street signs," how a stuttering mind went from a flabby out of work actor to a six pack seven-figure stud. >> my bio's coming up? warren buffett favorite struggling to find its footing here in america. another foreign favorite lost in

translation. a real gem. it's coming up. the two trains and a bus to the 5:00 arider.holar. the "i'll sleep when it's done" academic. for 80 years, we've been inspired by you. and we've been honored to walk with you to help you get where you want to be. ♪ because your moment is now. let nothing stand in your way. learn more at keller.edu.

weight loss programs can be expensive. so to save some money, i just got the popular girls from the local middle school to follow me around. ew. seriously? so gross. ew. seriously? that is so gross. ew. seriously? dude that is so totally gross. so gross...i know. there's an easier way to save. geico. fifteen minutes could save you fifteen percent or more.

tonight at 9:00 p.m. on cnbc an all new episode of how i made my millions.

we're going to introduce you to a guy that muscled his way to the top. the fitness expert behind one of the best home-selling fitness programs ever, p 90 x. >> he grew up in the northeast with lighter hair and unusual skill. >> i would say trained, that's right, whatever. >> not whatever. it helped pay for part of a cross country trip to los angeles. once there, he got a few acting gigs. then some unexpected advice. >> got this agent said you're still a bit chubby. you need to do something about that if you want more work. so i got serious. >> others noticed bulging biceps and abs. celebrities came calling wanting a workout that really worked. >> at one point i got up in the morning, it was tom petty, billy idol, all in a row. one, two, three, four.

so i was keeping rockers from the '70s alive. >> he certainly wasn't getting rich. >> still had a $60,000 credit card debt. >> wow. find out how fateful meeting with an infomercial wiz. tyler mathisen is the man behind -- he's the man behind that show. darren rovell a one-time p90x user. >> it's a very hard program, but unlike other infomercial products, the idea is if you work hard, you will get results. >> they sell a set of steak knives with it as well? >> you buy everything there. they came out with p90x 2. they're now charging $19.99, wait 30 days and then pay the rest. >> how much is it? >> about $100. which i think is an answer to the piracy.

they've had a lot of people that have said here's not p90x but we'll give you 12 videos like it. >> did it work for you? >> for 30 days -- as long as i worked, it worked. it was hard. my wife was concerned down in the basement. she was wondering what i was screaming about. >> on tonight's how i made my millions, we don't only have fitness, we have fatness. the inventor of marshmallow shooter. >> what's that? >> two parents looking for something to entertain their kids at a birthday party. ever done that? >> yes. >> and they came up with this thing using a pvc pipe that shoots marshmallows across the room. >> it's the smaller ones. >> hundreds of millions of items and tens of millions of dollars later. >> shoot into people's mouths? >> no. they're fun. they're great. you shoot them. >> pretty good aim too. >> the world is filled with so much food that we can waste it. >> but you can pick the marshmallows -- five-second rule. >> i'm sure america would eat it.

>> look forward to that tonight. before we go, darren, something kind of funny, and a little sad happened -- >> i have a fun item. kyle stanley, you wouldn't know the name -- >> blew the golf tournament. >> now you do. farmers insurance open he had a seven-stroke lead going into the final round, a four-stroke lead going into the final hole. and blew it. now, the calligraphy on the big check takes a long time. so they had to throw it under the stingss over there because he did lose that and lost about $440,000 by coming in second place in the playoffs. >> the other guy? >> brant tied it, wept to the playoff and then lost. >> four strokes. >> all right. thank you. look forward to watching that tonight. darren, thank you very much. >> thank you. >> stop the education insanity. some private high schools now costing more than most colleges. the outrage over outrageous costs coming up.

>> and we have a real calamity on our hands. beef prices soaring and cattle herds shrinking. a full plate of options when "street signs" returns. optionsxpress, where you can trade your favorite products, all in one account. keep watch on the markets. or use our exclusive tools to help find ideas. it's powerful, easy-to-use technology for trading stocks, options, and futures. keep trading whether you're at home, in the office, or on the go.

optionsxpress, the broker smart traders deserve. open an account today at optionsxpress.com.

welcome back to "street signs" everybody. time to catch you up on the very latest headlines in our daily street talk. wall street shaking off a case of the mondays thanks to the breaking news from the fed we brought you about 30 minutes ago to recap the fed is increasing demand for small businesses and consumer loans. the dow, nasdaq and s&p all trading in the red but well off their session lows. there could also be big deals in the works at delta. chatter on the street is considering bids for u.s. airways, amr, delta trading up more than 2% on the day. and where is the beef? seriously. where's the beef? the u.s. cattle herd is at its smallest size in 60 years. the usda says a severe drought in the southern plains is forcing farmers to kill hundreds of thousands of cattle. in the meantime, let's go back to what's happening in the delta story for a second because our own philip lebeau has been following reports since they first came out. phil, what is the latest you're hearing on that? >> i think everything's going to

probably shake out at the earliest several weeks from now once american refiles reorganization plan in bankruptcy court. all of the players are waiting to see that plan. once that comes out, then you'll see delta and u.s. air and don't be surprise first-degree united gets involved as well all saying what's the possibilities here? so we'll see some posturing between now and then, but once the reorganization plan is filed, then you might possibly see some action. >> phil, what's your best take on what you think is going to happen here though? i mean, there's a lot of antitrust issues. a lot of things up in the air, raising the capital, anti-trust. you've been covering the airlines for a while. >> i think we'll get down to three at some point in the future. is it possible maybe ten years from now? probably. i talked with one insider that said it will probably shake out down the road, not right away. the key is what happens with new york city? that's the golden egg in all of this because that's where the business travel, especially over to europe, it goes through there.

and all of the airlines in addition to their alliance partners, the international airlines, they want as much exposure there as possible. and as we all know american's one hub is in new york city. that's the key here. >> it is indeed. thank you very much, philip lebeau. >> street talk too, america is nearly out of cows. okay, not really. but the total u.s. herd size is at a 60-year low. what impact will this have on beef prices? brick in lindsey davis. always value your time on this. even if you're not trading cattle, what about our view efrs going to the store looking for steak, where are prices going? >> they're going to go higher. >> how high? >> it's hard to say what the steak price will be, but i look for fat cattle to come out of the feed yards that go to 135, possibly 140. >> okay. so last year we were up about 10% in terms of retail beef prices. so translate what you're saying there into how much percentage we could see there as well. >> probably 5% to 10% higher

again. >> 5% to 10% higher. my question is we're not used to paying high prices for beef here in the united states. it should be a meal that everybody can afford. overseas in places like korea and japan, it's a delicacy. to what extent do you feel this escalation in beef prices is going to make beef a delicacy and push all that beef into exports where they're willing to pay those higher prices? >> well, we've regained all of our export markets back since preebse days. >> uh-huh. so you think we're going to continue to push our beef overseas instead of keeping it here? >> well, it will sell here domestically. there's a lot of people who will be able to buy it. there will be some that won't. they'll have to buy the less choice cuts. >> lindsay, before we let you go, you gave us a great trade last time you were on. what would you do in the cattle market now on a commodity side? give us a trade you would make. >> i think pretty quick we're going to go down in value probably $2 to $3, but then,

like i said earlier, i think we're going to -- we'll see the shortage and the numbers go down and we'll go to 135, 140, possibly even higher. >> would you shorten your term then long long term. >> i would be very cautious short cattle futures. >> lindsay davis, thank you very much. >> thank you for having me. i enjoy being on your program. >> appreciate it, sir. love that guy. >> great accent. >> like my sullivan family reunion. herb, before we move on, i know you have your head buried. what's going on? >> i'm always looking at what's going on with a bunch of companies trending on stocktwits. a rovi corp. pops up. stock's been moving a bit. don't know why. it's tied to the digital -- it's a digital type of company from what i can see. other names being chatted about actively right now -- >> this is hyperdynamics we are talking about at break. >> they say they're going to

have a direct stock offering. i also noticed that for some reason broad com is up here now. qualcomm being chatted about. some of the oil's being chatted about. then interestingly when we were talking about zynga, it was down on the chat and suddenly it's almost to the number one spot right now. >> rich is a guy you've known him, i've known rich greenfield for a long time, he's right a lot. >> oh, yeah. >> and he doesn't mince his words. and he plays us straight. he's got his own opinions. >> can i just say one quick thing here? that is, you know, i come in here and get really excited about these things. sometimes i scream at the camera. it's just to get people's attention to the fact that there's another side to the story. and i like to keep reminding of them that just because i've seen it all too many times. >> a good look at the other side. we brought up a moment ago the chart of zynga, bring it up again. look at that. since 2:00 when the show started, there you go. moving to the upside. >> that's it. and you can see it here with the

chat. sort of correlate with one another and i think that's what's kind of interesting. we'll keep watching some of these names. >> absolutely. fresh and easy u.s. experiment turn into an american nightmare when news of store closings weighing on the adrs. our very own jane wells has been following the international retailer's hop across the pond from the very beginning. jane, what is the latest? >> well, mandy, they hoped to succeed where other foreign groeshers had failed crashing the u.s. market. still plans to, it's just taking a really long time. >> three, two, one. >> october 2007, tesco moves into the u.s. after years of research. >> we've listened to americans about what they want from 21st century shopping. and that's what we've produced. >> back then u.s. ceo tim mason told me the fresh and easy concept, fresh, healthy,

prepared low-cost foods would fill a void. the uk giant spent more than a billion dollars building stores in the southwest planning to reach break even by 2011. that never happened. >> the economic crisis just shocked people into not thinking about anything new. i've just got to get through. i'm not interested in new things. >> this week a dozen fresh and easy stores are closing including this very first store in california's inland empire hit hard by the housing collapse. the chain plans to open 25 other stores by march, many of them smaller. losses are narrowing. and instead of breaking even last year, fresh and easy hopes to do so next year. >> tim mason says "we are here for the long haul." warren buffett recently upped his stake. at least that's a sign of confidence in the parent company. >> a quick question while you're there, jane, what's been the biggest surprise for tesco about the american shopper, do you think? >> i'm curious on your feedback from this. tim mason said what surprised

them is americans don't do all their shopping in one place. we will go to a costco or walmart or strader joe's. we don't go just to a place. and they're not used to that. >> yeah. interesting point. okay. thank you very much, jane wells. >> all right. moving on from places you buy food to food and drink, herb cannot decide what he's going to drink during the super bowl. is it going to be tea or beer or something else? >> also ahead, the costa concordia wreck and new details on the financial costs to the ship's owner, carnival. all those details coming up ahead. [ male announcer ] let's level the playing field. take the privileged investing tools of wall street

and make them simple, intuitive, and available to all. distill all that data. make information instinctual, visual. introducing trade architect, td ameritrade's empowering web-based trading platform. take control of your portfolio today. trade commission-free for 60 days, and we'll throw in up $600 when you open an account. they sound awesome tonight. and when i do find it, i share it with the world. you landed the u.s. tour ? done. this is fantastic ! music is my life and i want to make the most of it thout missing a beat. fly without putting your life on pause. be yourself nonstop. american airlines.

we didn't start out so great at the beginning of the day. in fact we were down by over 100 points at one stage on the dow. now we've made a significant comeback in fact since 2:00. we had good news from the fed survey. dow now only down at 18 points. brian. >> shares of carnival under pressure since the costa concordia ran aground off the coast of italy. because of the catastrophe, carnival going to take up to a $175 million hit in fiscal 2012. here's your breakdown. the accident lost a ship cutting earnings about $95 million, insurance deductibles about $40 million and other wreck-related costs about $40 million.

>> time for herb on the street. twisted tea, maybe twisted lemon. >> right now today both at the same time. >> wheat grass. >> no wheat grass today. boston beer does not report until february 22nd, but it is really a stock you might want to watch. key to this story is whether the growth of its core craft beer brands is actually starting to fall. and how it's gh is being fuelled almost entirely by its spiked or hard ice tea known as twisted tea. on this alone goldman sachs downgraded boston beer to a sell several weeks ago. their concern is this, within the craft beer category, boston beer, sam adams and others are losing share. and that twisted tea's growth is unsustainable and that malt alternatives historically are a fad. i will add that fad or not competition in the spiked tea space is picking up with michelob about the latest in the space with its ultra11th hole

right team and lemonade and arnold palmer hard half and and a half. this is good. any time you see a company who's main product is sort of flat lining, slowing, and you see some sort of new product come out fuelling the growth -- >> you still have zima in your garage you've been hoarding? >> i thought you were going to say do i call that brisk because i'm the only one buying the brisk. >> that was mind blowing last week pepsi reporting that brisk tea business is now a billion dollars a year in sales. i cannot -- i don't mean this insultingly, i've never seen anybody drinking brisk. i don't mean that in any way, i'm from the south, ice tea capital. >> there you go. all right. also we're talking facebook. we had once when the global ex-social media index etf came out we had the ceo on here. i gave him a hard time. anyway, this is an etf on the social media space. you can see it's actually come up in the past few days. >> who's in that?

what's it made of? >> it's made of a lot of international companies. in fact, i think one of the number of the chinese companies are really high on the list. and then you'll obviously have -- >> unlike you here, buddy. that, you know, dig into that one, folks, they're obviously trying to get the name and rope people in for the whatever, right? social media, let's buy it. dig into what that is. >> conversation of malt liquor looking at an internet bubble like the year 2000, 2.0, what do you think? >> i think there's some of that, obviously. until we see how these companies genuinely perform, we don't know. a good thing to talk about. >> a good thing to talk about. >> sorry, i'm looking at the breakdown of 26% chinese -- russian, german. >> with facebook, i bet you that goes up. >> i'm doing some work. up next. >> a lot of social gamers in china. >> that's right. staggering new stats about the cost of private education in america. but is there an upside to all this? we'll debate that. >> plus ugs, subject of a

crackdown in one school dribl district. uggs are what we all wore as kids. >> you walked to school in the snow. [ overlapping speakers ] >> a string holding my shoes on. [ laughter ] >> i can wait all day. where was i? >> what have you got coming up for us? >> exxon is the big name on tomorrow's earnings calendar, mandy. coming up we'll break down the charts to see if you should be buying or selling those. and we have the names of three cash-rich debt-free stocks that could be bargains right now. and the ceo of amlyn pharmaceuticals tells us what kind of sales he expects from his company's newly approved diabetes drug. maria's back. we look forward to seeing you at the new york stock exchange at the top of the hour. in the meantime, "street signs" will continue right after this. you have to dig a little. fidelity's etf market tracker shows you the big picture on how different asset classes are performing,

and it lets you go in for a closer look at areas within a class or sector that may be bucking a larger trend. i'm stephen hett of fidelity investments. the etf market tracker is one more innovative reason serious investors are choosing fidelity. get 200 free trades today and explore your next investing idea.

uggs now banned in a middle school district outside of philadelphia and that goes for all boots that don't lace or buckle at the top. school officials say it's because kids are concealing cell phones in their boots. and the phones are going off and disrupting class. well, shares of deckers outdoor,

the maker of uggs, trading slightly to the downside. year-to-date the stock is up over 9%. you think college to you situation out of control, listen to this starting next year, tuition at new york's prestigious riverdale country school will top $40,000 a year the first private high school to breach that 40,000 mark. tuition at the city's private schools jumped 8%. private schools in silicon valley, boston that are also get nothing that high 30 range. a private admissions consultant and another cnbc contributor join us. my thinking is this tell me that they are wrong, some of these schools could charge 100 and fill up the classome that insanity? >> parents don't want to put a price tag on their children's education or their future. >> they are putting a price tag on it $40,000 a year. >> no limit to what they will

pay. >> is this purely supply and demand, dana or education and offerings are getting better around better? >> education is the best that money can buy and super, super competitive. families have a really hard time saying they don't want to give this to their children. >> hard to believe the education is $40,000 worth. michael, you chime in here. do you think this is something our country needs in terms of educating our future workforce or think it is getting out of control? >> you know, one of the things that we have had in the united states that we have been able to boast for many years, very educated workforce. now, it's kind of an indictment, i think, of the public school system in the secondary level of education that really makes these choices viable, particularly at those price points. michael, michael, this is herb. i have to think we are talking about a new york situation here, my kids went to public schools. look at sid well friends in d.c. a lot of those schools. my kids went to them. >> my kids went to public high school in san diego.

they and their friends got into the best colleges and there are plenty of great public high schools in this country that are sending their students to the best. so, tell me where the difference is. >> we have had some great -- some great public high schools here in washington and montgomery county and surrounding area and people are still choosing to pay that price. some places, i agree, herb, it is not an option. whatever you get for that college education, looked at the unemployment data, we note clem educated workforce have less than 5% unemployment rate. the lower levels of education. >> you are arguing about colleges, not high schools. >> let's get back to dana. how do you give your kids the best advantage i think is the point, herb, right? >> between the haves and the have nots, so few people who can afford that kind education. >> they can't afford it they are taking loans, going heavily into debt. >> do whatever it takes, at this point, educate their children and new york city private schools are overcrowded.

the size of the classes are smaller at the private schools, feel the quality of the edge discrimination better and following do whatever it takes. >> given what you do for a living, i'm a public school guy, my kids are public school. >> my kids are public school, too. >> here is the thing, if you pay 40 grand a year, 12 years no inflation, basically $500,000 over 12 years, 480,000, over 12, are you going to end up making that 480,000 and then some back and does it really work filtering people into the better colleges? does it work? >> yes. and it's more than just the colleges that they are getting into. they are making the contacts that they are going to have for the rest of their lives and parents feel this is super important and very valuable. >> some of the of the reasons given by administrators at top private schools, michael, for these high prices, things like rising teacher salaries, renovating the buildings, expanding the programs, et cetera. is that just an excuse? >> well, no. i have actually sat on the board of -- boards of these private, independent schools and very,

very expensive to operate. so you know, a lot of them are just covering costs. it makes me a much greater fan of my jesuit high school education, the catholic school system is a lot less expensive. >> do you agree that if sidwell friends or the latin school in chicago or -- >> hugely expensive. >> do you agree if they charged 100,000 a year, that they would still have a full class? >> i don't know if it would be full but have a lot of takers, no question about it. one thing, too, that i just saw is john mccartel, the vice chancellor at the university of south, the college level, has lowered the tuition in his first year and is capping tuition for four years. so, this is the real issue that even colleges are beginning to address the economic importance and manage ability of -- >> college in ohio, a few years ago came back free tuition for one year, they want of the best people apply and already had a big surge. dana, where is the trend gonna go? >> continue to go up, as long as people want to pay it, they

will, education is the number one thing that families want to give their children. >> yeah. and i guess there aren't very many parents willing to complain of those private schools, they have their name attached to someone complaining about it. a catch-22. >> applications are up and continue to group every year. >> not just the cost. thank you, guys. >> education is still the answer. >> that is true. not saying that it is not. not saying that it is not a couple private schools around me, like everywhere, people driving an hour each way ferrying their kids to and from these private schools. and pay tutors to sit the entrance examination as well for some of the schools. consultants to get them into the best schools. november one of the great school district twhaenltsed to. >> another price of admission because the houses cost more, paying on the other end too, right, herb? >> maybe, maybe not n new york. >> my kid goes to get a great public school education. >> i sat next to speck cole any encinitas, california. >> dude. >> dude. oak crest. encinitas.

i'm an alum. oak crest. >> show goes on. >> mandy's back, by the way. you have a sunshine state. >> starting to regret i'm back. like to go back on vacation. super bowl fever is in full swing but what would you miss to watch big game? the rather disturbing answers when we come back. and remember, you can watch the super bowl this sunday on nbc. coverage starts at noon eastern time. looking live at indianapolis, the new york giants plane has just landed for the big game.

that time of day again, we look at the disaster du jour. >> china dating site, date.com, came public, one that people thought would do well, the stock's done horribly, the company doing a buy back of stock, based on the stock, people not that impressed. >> certainly not imp pedestrians were. stir the pot, but sunshine time, check out shares of jcp, formerly known as jc penney, the stock hitting a 52-week high. i believe you called one, didn't you, herbie? >> january. >> what about your sully wager? >> nervous, i'm growing nervous. i remain unconcerned. all right. let's talk about the super bowl but we don't have time, the show is ending now, but on nbc this wee