welcome back to "power lunch." we're watching shells of dell up better than 5%. this time more news of a leveraged buyout. banks allegedly tapped for financing. credit suisse, rbc, and bank of america. >> they'll make a fundamental shift to become a full enterprise company, which is what they're try dog. >> final thoughts on facebook. >> they've got a product. they're showing details on line. you can select a search by hometown, community. that's why they're going down with match.com. that's why linkedin is in

jeopardy. >> david, thanks a million. have a great day. take us out. >> it's the marine in laguna beach. that will do it for "power lunch." "street signs" begins right now. the fiscal cliff, immigration reform, gun control, what happened to job creation? a debate on whether the white house should be doing more to put americans back to work. we're raising the roof on the debt ceiling and why a leading economist thinks this fight is scarier than the fiscal cliff, much scarier. plus, facebook announces something. it has to do with search. we've got questions. hopefully our guests have answers. and addicted to debt. suze orman is here on why americans old and young are in hock all the way to their hairlines, mandy. >> okay. it's the biggest of 2013 and certainly no thanks there to

apple's new 11-month low. in fact, check out this from our buddy guy adami. apple has now lost the equivalent of two disneys since its record high. meantime facebook stock has been building up for a bill reveal. but as julia boorstin can explain, the initial reaction to today, wouldn't you say, julia, a little underwelling. is the market missing something here? >> reporter: i'm having a hard time hearing you. facebook has unveiled graph search. this allows facebook users to search for people, places, photos, and interests. so you can search any information that's publicly available to you and go three there and get a customized google search. this appears to have threatened a couple of places. google. facebook wants to keep people

within its ecosystem. it could potentially threaten linkedin. it shows you how to search for people's professional history, dating service, how to search for people within the city. let's take a look at what mark zuckerberg has to say. >> we believe if we give you the tools to knock out this graph, that can be the basis for building a lot of kinds of services for connecting. >> so asny industry that's going to be hit by this is the recommendation business. yelp is down on the news. if you can search for restaurants that your friends like, you don't need to see other people's reviews. it does seek significant. if there's nothing within your graph facebook will direct you. there's obviously a lot of potential down the line to put adds around these search

results. andy? >> let's bring you in some others and the representative. is this a bigger deal than we realize? >> i think the reason that the market's not reacting with enthusiasm because it's hard to see how this is a materiel event for them. there's no obvious revenue attached to it although services can be built. it is true they're going up against linkedin. i should mention i'm a consulting editor there. there's potential for something. >> jordan, the stock is down 1%, the market clearly saying this is not going to add to earnings. if it did, the stock would be higher. do you agree with that move? >> i totally disagree with your statement but i appreciate the sentiment behind it.

i think what you have here is a national sell the news reaction. however, the stock has been one of the better performers of all the internet names in the last couple of months and i think as people realize there are infrastructure achievements that may need to roll out first before the businesses can be built on the back, that's what matters. facebook aims to be central in many, many was, not just for playing games and looking at photos. they want to be much more useful to their users which is just about everybody on the web. >> from what you've seen, do you believe this will add to earnings and revenue? >> in a couple of years, sure. from mobile, advertising, just -- we just had a conference call this morning with clients with a company that helps to place ads on facebook.

they're seeing unbelievable demand and good results in terms of the add spin. this is something people are just waking up to right knew. >> brian, i do think there is advertising potential down the line, but when asked about whether there are new plans to putz new adds in the search result, it's really about the idea of building the idea now. i think the in fact that they mentioned the partnership. obviously meaning they're keeps an eye on this. and we did see in the video there some bing search ads on the right side of the page. this beta test does not include mobile. as we discussed in grail detail, they're increasingly spending more time. so this really needs to launch to mobile users, sooner rather

than later. >> totally one of the big expectations was that they would have a better platform. julia mentioned yeple. who else gets hurt? >> i think any initial reaction the street has incomprehensible, inscrewedable. i think it's kind of a push. that said, it has a tremendous amount of data. it's a very logical step that they're doing this, but i think that the talk that this is about revenue or adds is kind of not the point. this is tapping into information which they presumably make available to marketers already for grander targeting purposes and are just proving how much data they have and what you can do with this.

i do think this is much more of a product than a revenue stream. >> well, you know, jordan, listen. we have become the largest worse force. how do they monetize this? don't they mobile ads. they're trying to become the internets. >> being central is the first point of importance. once you're central you can do what google's done and be the graig toll take ir. maybe a little bit on the communications side. it starts to make it much more helpful and more for others. yes, could it be central for those looking for dates or championships?

>> absolutely. there are places you can take. is there going to take the place of recommendations for shopping or what other companies have. access to the graph or as pis is what we have to tell tree. >> could mr. there a day yo can len ralg internut. i think that any time you is stay within facebook and not have go go outside for a restaurant or dentist, that's when facebook engages. i think it's really important to point out that search ads are the bread and butter. this is why goinger is such a

power house. if facebook can figure out a way, then that's the refr newborn powe ten cha. >> and i think we should get the information only from thoings s those with the same. why go outside our spirit of come fort. >> thank you. >> meantime, apple hasnd fallen sew much. you know what else is going do with apple. is apple a screaming buy or a big bye-bye to your partnership? ryan, i believe as of the last time you guyed posts, this was your biggest single holding.

is tine what's your reaction to the recent move then. you know, apple like you messaged is trade alg less 10 earnsen. which is a little purr plexing because although apple's growth will mott rate. the valuation here seems pretty compelling. >> do you agree or disagree? >> apple, their p. echlt has the person of on 50% of google, 4% of fanbook and 3 percent on. what we see with am that skpejations and these the slyist room you just more realize tick

employ trading than. >> i think it's an incredible value right now. there are struck y'all changes that they're going to have deal we. >> it was great point what he was taking, the valuation was 14 times the earrings. why hasn't apple that it suggests it deserved. >> unfortunately technology has been a poor performing sector. also when you look at the other, apple does trade on a premium. i think they're kind of -- >> hold up on a that a second, brian. who would be another peer? >> it's not a coincidence that even value managers today are beefing up their technology exposure because a valuatiabouts

yags are sitting there. even though it's trading on an absolute basis, the sector itself is in a tough space. >> in terms of premiums the products you'd buy at the apple store they. the one with high rice is absolutely on take. i lirned in marve la shah if a few kwiss. it was consider you junts kpd dr a android 411s get into the swoot wasn't there talk of a cheaper iphone? at least it would get a.

>> that would be good to see. >> asia and africa. >> achltd to why id. northeasterly 80. the they suggest gross margins and average susing praises are unsustainableably high. would you agree with that if woe got the status phones. >> i think it is importantet to against more smoesher in the i merning tony. i think people understand estimate how uher friendly apple prujs fw. thatky use or write it down what's asking. >> robley and rain. thank you very much. on deck, be afade, be very agrade. flaerm. compared to what we're up

against now. we're going to be talking about that. >> and we even got debt interventi intervention. the great suzie orman stand 20g feet to our right. hello, suzie. >> hi, zoo city. >> she's here to tell us why america needs to go to rehab. this the is 'detectived. that's coming up

well, if you thought the possibility of going over the fiscal cliff was scary, well, the possibility of a debt default is even scarier. there's a very interesting op-ed in today's "wall street journal" titled "the debt ceiling is scarier than the fiscal cliff" and in it a professor argues if we can't spend it because of gdp spending, things will crash. former federal reserve vice chairman. professor, it's great to see you again. >> good to be here. >> your piece was terrifying. it would probably spike unemployment by 3% or 4%. >> i still har bauer the hope and think it's not just wiftful thinking that congress won't let this happen. i thought they'd come eyeball to eyeball on the last day. in fact, they went one day past

the last day but settled. i think they'll probably settle it. there is some menacing talk going on. there are some that say they welcome this. this is what we need to get spending under control. i don't agree with that at all. i really don't think it would happen, but if it does, it's going to be really, really bad. >> do you think some feel it's a band aide deal. when you talk about raising the debt ceiling. getting a proper deal done there, is there any such thing as a band-aid o is it basically a do or die? >> it was much more complicated because it has hat add lod more debting. you have to remember this is about paying for the bills we've

already obligated ourselves to play. >> it's a lost opportunity to fix other things, wouldn't you say? >> well, i don't view it as an opportunity. i view it as an opportunity to avoid catastrophe. the point i make in the article is if we must have this biggar maggetten like battle, let's hold it up over the budget when the continuing resolution expires and have it then when the consequences while not grak are not nearly as dire. >> you know, professor, you point out what i think is the biggest problem in your piece and know note thatted if real receipts only cover 74% of the outlay. in other words we're not paying enough to pay our bills but the 26th fan you mgs mentioned. that ice a problem.

>> it's very, very unstatus inl. when i did this calculation over the last debt ceiling near debacle and wrote about it, it was 60/40. we were only bringing in 60%. now 74%. we can't keep going. >> what frustrates me, professor, there seems to be a lack of dialogue. you know a lot better than i do, growth can cause a lot of problems. it's trillions of dollars over the years. why aren't we talking more about that? >> well, it's darn good question. a lot of people have been advocatin advocating. we actually do something to stimulate the company in the

near term and at the same time enact, let's say simpson-bowles ii, something that will take a very big bite out of the deficit over ten years. what's the reason for the stimulus today? to get the economy growing faster. >> would you be one? >> unlike the congress, the fed has done quite a lot and there isn't very much more the fed could do. i would certainly be with chairman bernanke. i was happy when they switched over, which is likely to have a bigger impact on the economy. the other thing i've been urging on the fed but they're not doing it is cut the interest rates by holding idle excess reserves in the hope that some of that will go into the economy. >> we have to leave it there,

but thank you very much for your thoughts today. let's bring in don peebles of the peebles corporate. don, great to have you on the set today. >> good to be here. >> how does it play out? >> in the end it's a lot of drama about a profungtsry performance. the government needs to stand behind its credit. that's one of the benefits as a government, we get low rates because our credit is good. it's a shame we're spejd all this time. we spent much more than we take in. and we can't continue do that. we even done what we're going to do on the tax revenue side. so we now need to focus on growth and we need to focus on cutting entitlements. not necessarily cutting them but

reforming them to modern-day society. >> there you go, don. i'd great lakes you say it. you're a smart guy. 50% of the the government spends it on those programs, another 10% on defense. what do you say they have to cut? >> i would say social security. they're living a lot longer. some of our members are well beyond retirement age. americans are working longer. >> 70? means test -- >> push retirement to 70. means test income on both social security and medicare. i do not thing that -- i think there smould be a mucher hee r higher. also push the age term.

>> are you okay as a rich guy paying for other ee retirements. you're not going to get all that money. >> i don't mind. that's part of been an machinery and i understand it. i don't need benefits that i can support myself or my company pays for as a result of my employment. so i think will. numb were one is we've the foig out to -- going to be. we had a and the information and very little and job creation initiatives. that i have run out of yns a that tiftd level. >> i them he's going to hit the ground running which suh new team. spending cuts will be a reform in terms of spending money.

the government can do a lot more. that can incentivize the investment and job activities. >> we'll still got an unploichlt rate. >> ru cow it seemed and we had just gone through. what has happened over the first four years is there's been an i'd lock cal impasse, and i think we're beyond that now. >> can i ask you a question? you're a self-made guy. your grandfather was a doorman at a hotel. your dad was a car mechanic. you're a millionaire now. you've scratched and clawed your way up. at what the point do you think help starts to help? >> when i say innocent advice

it, i don't think with where we get to a too much help. the government providing incentives for economic stimulation by a lot of small businesses an also deregulated at of lour our small businesses where we can be competitive again. >> good answer. don, thank you very much. don peebles of peebles corporation. still ahead, a company begging to slice and dice. that's the post office. why congress is saying no. >> 11 president $3 trillion. that's how much debt americans have. why cannot we not break it. she's waiting in the wings,

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>> they're filing to pay their monthly bills. why, america rrks we so addicted to debt? let us bring in personal finance guru zye orman host of "the suze orman show." trillions in mortgage debt. >> we are not addicted to debt. we are addicted to what money can buy and we want what we can buy even if we don't have the money to buy it. >> another four-letter word

ending in a "t." >> we are addicted to bigger homes, fancier cars, fancy jewelry, better schools for our kids, and money is the only thing that you can spend even if you don't have it. i think about it. you want cookies in a cookie jar? if there are no cookies in the cookie jar, you're not going to get a cookie. you have no money. you have credit. you can buy things without having to pay for it. so we're addicted to that. >> can you though? things have become so expensive, right? medical cost, medical insurance, sending your kids to college, buying a home, buying a car, these are all basic necessities for many people's lives. how can you afford it without going into debt these days? >> there's one thing about going into debt such as mortgage debt. lock in the interest rate, smaller payments, whatever, our other a 15-year or 30-year. if you have a credit card, you're paying for it. there's no excuse for any

credit. >> i'm going after my co-host here for a little bit because the college thing i agree with. college costs are out of control. however, to suzi's point we have become addicted to what it's going to give us. you're better off getting a skilled trade but you're convinced if you borrow 100 grand -- >> it's the american dream. we want better than what our parents had. we want a bigger house and a better education. we want everything that's better. >> not necessarily anymore, my dear mandy. what people are wanting is they want to be able to sleep at night. they want to get out of the house they bought and all they ever want to do is rent. they don't want do that. now we have the problem of they got themselves into debt. they owe more money than they have. now what do they do? and that was the second point that you made there, brian, where they're now going to their 401(k) plans and they're

borrowing and that is by far the stupidest thing you could ever do in your life is do borrow money from your 401(k). >> it's a savings vehicle. surely you shouldn't be allowed to take money out of your 401(k). >> you should not be allowed to take money out of your 401(k). you should not be paid to take money out of your 401(k). listen closely. when you take money from a 401(k), your employer will say to you, here's how it will work. i'll pay you 8% on the money you pay, i'm charging you that 8%. you're paying yourself 8%. so you're making 8ch on your money and people who don't understand what that really means, believe this. so it's almost as if the government has wanted you to take money out of your 401(k) why? because if you take money out of your 401(k), it's money you've never paid taxes on. when grow to pay it back, you're paying it back with after tax

money. when you get older and take it out again, you're paying again. you're creating double taxation. >> i love this too. it's hard to break through the idea of this which is i understand the middle class has struggled in the last 20, 30 years. income gains have been very difficult if not impossible to come by but the average size of a home has gone up 30% in 30 years. the average car price is now $31,000. we spend an average of $300 a month as family on cell phones, right? >> an apple product. >> you never get good ratings by blaming your audience for anything but as a point how much are we to blame? >> three, four, five years ago, 100% consumers were to blame in terms of consuming much as well as the government, the s.e.c., the mortgage brokers, everybody was also to blame. today people truthfully are

struggling and not wanting to make it. they're not necessarily overspending. they're taking money out now not to buy things. they're taking money out to pay their bills, they're taking money out because we don't have jobs for them, we don't have retirement, interest rates are so low they can't live off their income. now they're not to blame. now they don't know what to do and none of us are providing answers when it comes to the government for those people. >> zysuzie, a suzi, thank you very much. she's here on cnbc. >> you weren't really driving that fast in that acura commercial, were you? >> i have to tell you, i ma i have been. >> us that with a good commercial. >> yeah, it was. >> i've got to admire it. >> you don't need an $80,000 car. next up, the downward dog ee dpigs of "street signs."

>> plus cbvs says it will stop selling tylenol. will this be the end of late-breaking drugs? we'll be back with some answers. ♪ [ construction sounds ] ♪ [ watch ticking ] [ engine revs ] come in. ♪ got the coffee. that was fast. we're outta here. ♪ [ engine revs ]

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okay. let's walk the talk, do street talk. number one is express. >> it really is. the retailers stock. look at that. it's up 22.5%. >> these what i call soaring. >> that is soaring like an eagle or a crow. they raise the guidants 74 cent as share. 62 to 68. kochb census at 66. retail for clothing for junk adults and those young at heart and they say holiday sales better than expected. >> lululemon's moving the other way. >> dusty downward dog reference. this is an interesting story. they're down nearly 4% despite raising the high end of their guidants. okay. the problem is that the raise was still below where analysts

see them at, and they see same-store sales. good guidants -- >> everything is relevant to expectations. sorry, our producer is saying who's on tomorrow? lulu lemon's ceo christine day is going to be on "power lunch" tomorrow. in the meantime you have q logic that's also soaring. >> maybe we should watch how we use these terms. it's high. it's like a puppet. they raise their guidant for the fiscal third quarter and revenue said they brought in higher than expected sales from products. they had a particularly strong performance from the networking side of the business. that's up 5%. >> moving along forest labs.

>> lexipro. it's coming in at the low end of guidants. forest labs is gunking it up. >> would you call this a soar, 10%? does that fall into the soaring category? >> a little bit of a level. hand glooider level. this is the joy of street talk. in putzing it together you would find companies you had never hear heard. >> 1474%. the fda approved it. they say it's expected to exceed its expectations. they offer guidance for the full year. so it's had a big run, but be careful. >> i'd like to take my summer

holidays on the island of -- >> a miraculous mile stoep and why cvs is no longer stocking tylenol in some of its store. but first let's see what's coming up on the "closing bell." >> hey, mandy, is the tech giant hitting an innovation ceiling? we're borrowing for that one. the economy and your retirement are facing another huge risk that not many people are talking about. we have details on that. and do not miss our exclusive interview with the always colorful lain sallan simpson. it's coming up on the "closing bell." in the meantime our friends at strs are back right after. this stay tuned. ♪

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it was the miracle on the hudson. captain sully sullenberger successfully landed the plaep on the river. look at that. do you remember that? >> they started having cameras out there? what are they doing? shooting a movie in the hudson? nobody realized it was real and then you realized the magnitude. what sully sullenberger did. i know he's retired, but come back. i'd love to have him as a pilot any day of the week. cvs says it will stop stocking tylenol in half of its stores. what's going on here? >> it's not that they necessarily want to do it but it dates back to j & j and their problems with tylenol. they've had a huge problem with trying to ramp up supplies. so one of the main factories in

ft. washington, pennsylvania, will not be open until next year, fully operational. they just can't keep up with supply. cvs says they want to work with them but they can't supply all of the stores so we're going to take up some of the shelf space. >> is it just my imagination or do you feel that more and more of the generic branding are take over here as opposed to some of these original brands? >> they certainly are. for cvs, for example, their front end, everything outside of the pharmacy, their private label has gone from 15% or so to 22% of sales. that's a big thing. and if you're a cvs caremark member, you get a 20% discount when you why their generic aseat medici medicine. if you take a look at the market

share since 2009. tylenol was the number one brand. >> you would say i'm going to take an tylenol even if it was an advil. >> their competitors, aleve by bear and advil by pfizer actually gained shares. so they lost share to generics but also competitors in pain relief. >> interesting story. next, is congress mailing it in? the post office is planning to make big budget cuts but washington says, no. what are we missing? platform from charles schwab... tdd#: 1-800-345-2550 gives me tools that help me find opportunities more easily. tdd#: 1-800-345-2550 i can even access it from the cloud and trade on any computer. tdd#: 1-800-345-2550 and with schwab mobile, tdd#: 1-800-345-2550 i can focus on trading anyplace, anytime.

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it is the outrage of the day. in a world when no one wants to cut anything from any budget, is post office is begging for cuts and wants them asap. congress does not. hampton pearson, what's the holdup here? >> hi you doing, mandy. no help from congress in sight. the u.s. postal service is under the gun to speed up cost-cutting measures, no marching orders from the board of governors

directing the management to accelerate the restructuring of the postal service operations, and it's a strength in the postal service bottom line. no specifics from the postal service until all employees are informed, but measures previously announced include eliminating saturday mail delivery, a 50% cut in mail processing facilities by 2014 for a potential savings of $1.2 billion and altering its benefit payment obligations. last year the postal service lost number $16 billion. ran into its legal borrowing limit and defaulted twice on mandatory payments to the federal government since 2006. 168,000 jobs have been cut, along with $15 billion in annual costs, but the rest of that overhaul can't happen without legislation from congress. delaware democrat senator tom carper and republican congressman darrell issa are renewing efforts to renew the postal service in the new congress. they say the piece meal approach

won't have the kind of reforms that are needed to stabilize the post al service but the looming budget battles make congress set for quick action on postal action not all that good. some experts are predicting a cash crunch by october. a spokesperson telling cnbc the liquid i liquidity problem is a big concern and the price of a postage stamp goes up january 26th. >> let's bring in jimmy p. boxes everywhere, sort of people moving around, so you've got a fedex or ups. man, it is streamlined. looks a little better here. what should you do with the post office? privatize them? >> well, i think that really needs to be the end game? the bill going through congress, or which did go through congress

has to come up with a new bill. that was never going to do it. the post office doesn't need more like cost-cutting, what it needs is innovation and needs to be exposed to competition. listen, we're really behind the country where the post office doesn't have a monopoly or has been privatized and it works just fine. that's where we should go. >> peter, do you think they' wil eventually be allowed to make the cuts that they have to make and they want to make? >> well, who knows what they are going to do, but i think what it shows you is that it's very good politics when our leaders talk about reducing the deficit in the abstract, but they can't even make the small cuts. i mean, these were trivial budget cuts in the post office. they can't make them, and if they can't do this how are they going to do the more substantive cuts. >> they are allergic to cutting, right? >> it's also funny that the post office is a victim of the propaganda of the cpi. you see, they are only allowed

to raise the price of a stamp based on the cpi, but because the federal reserve is creating all this inflation to monetize all these debts the cost of delivering the male is going through the roof but they are prohibited by law to raising their prices. the only thing they can do is cut their costs and the government won't let them. >> as far as the postal service goes, what we need to do sin ject the innovation. we're not going to cut, cut, cut. that's not going to need to work. we need to end the monopoly and end the monopoly on your mailbox and let other people deliver to your mailbox. >> is that going to happen. jimmy, is that even on the table, is that a possibility that could realistically happen or is this just your wish list? >> before the government, you know, we trust the government to restructure the social security and medicare, how about a little proof of concept that they can restructure something, you know, in a positive way. is that on the chart now? right now they are talking about rearranging debt chairs and postal office commissions. >> isn't that the irony between

the fha and the post office. you're looking at $30 billion of debt and a bailout this year alone. we're going to raise 60 billion from the tax hikes so the president is saying we've got to raise taxes on the rich to better roads and build schools, half the money is gone to just bailing out two federal government agencies. isn't that the sad iron? >> it's worse than you think. >> thanks. >> because the post office has accounting tricks going on. they have been selling these forever stamps. a lot of people have been buying them because you can use them at any time no, matter how much it costs to mail a left so the post office is collecting all this money from mail it hasn't even delivered yet. eventually when -- when they are allowed to raise the price of a stamp, people are going to use the forever stamps and the post office will have to deliver all this mail, but they won't get paid anything because they already spent the money. >> it's a very sad state of affairs. jim, peter, always good to have you on the show. the one thing you might want to

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