ten-year note, the yield at 2.655% on the trading session. winner today, bed, ba bath & beyond, yahoo! and surprisingly jc penney, rebounding from a 13-year low. >> a very interesting few day ahead as we end the quarter and look ahead to those government things in washington. that will do it for "power lunch." >> "street sigsigns" begins now. what a turnaround for what has been a runaround stock. jc penney investors are fighting back. the stock trying to make a comeback. bob holstein has been investing since before we were born. and he brings 40 years of market wisdom to you with some stocks that he loves right now. you can't miss that. plus, exclusive results from the cnbc all-american survey on health care. two small business owners here with that and what they're doing on their employees, their plans. it's practical real-world advice just for you. and you love your pets.

we love our pets. but this latest story, mandy, people are doing for their pets may make you roll over. >> it might. okay. let's take a look at those markets. we've finally broken the drought. the s&p and the dow marginally higher you in trying to avoid a six-day losing streak which, by the way, has put them on pace for their first losing week in four. all of that withstanding the s&p is only about 1.4% below its record closing high which, of course, was set last wednesday on fed day. brian? >> mandy, your lead story today, folks, continue to be one of the year's hottest headlines. jc penney refusing to fall without a fight. ceo mike ullman says the company will not need to raise capital, at laes for now. that has pushed the stock it a dramatic turnaround. let us stay on this lead story. we've got herb here, former department store exec and rick snider, senior retail analyst at maxim group. he is bullish on jcp.

he has got, i believe, a $22 price target. and rick, you appear continue a sane man. can you make the bullish case for jc penney right now? >> yes. you're at an inflection point for comps. i think comps are about to turn p. you're going to get market expansion. i think liquidity concerns are overdone. when comps turn positive, i think people are going to start looking out to peak margins years out and the stock is going to go much higher than anyone thinks. >> because jan's in your camp about fourth quarter comps turning positive. let's say you're both right because they give everything away. don't you care more about making money on what you sell than how much of it that you sell? >> i think they're going to do both. i think they've repriced their merchandise. i think they have the merchandise back in the stores that their customer wants. and all the markdowns from previous ceo will be completed and i think gross margin is going to be a more normalized 37%. >> just a moment ago when our good colleague sue herera said that jc penney sfok is

surprisingly higher, i saw you exchange a glangs and a chuckle because you both think that the street is being way too negative on this stock. i want to ask you, you did trim your rice target. you've got a buy. i get it. but you did trim your price target. >> it's still $22. >> it is, which is bullish, but what was it that made you trim? >> i think i was a little too optimistic on the turnaround. the turnaround is progressing as sort of as expected. >> yeah. >> but i think i was a little aggressive on my out year numbers and i brought them back in. so i trimmed the price target. >> herb? >> i'm just curious, though, were you in the johnson camp? were you positive then? >> i was very negative. i was extremely negative. >> so the change -- okay. so the issue, though, that gets back to the capital need -- and this seems to be where the bull and the bears are split. and why do you think the bear are so wrong here? how are they getting it so wrong? >> i think their sales assumptions. therefore their cash flow assumptions are too low. and it doesn't make any -- it

doesn't make any sense to me. the stock was at a 13 or 15-year low. and they said today, the companied today that our business is getting better. why with you float equity now? that make no sense to me. >> are the vendors sticking by jcp? >> they absolutely are sticking by jcp. the vendors are happy to have somebody to sell the merchandise to. they're playing ball with them both on markdown money, and they're playing ball with them on extended credit terms. and i haven't heard any complaints from any vendors. i any there's been a few that i heard err on the air, but nobody has said to me so far they're disappointed doing business with jc penney. i don't think that's going to be a problem. >> but are there out-of-stock issues? out of stock on this and that. why? >> they're completely changing their business. they are going to have some out-of-stock issues. they've got a bunch of stuff in the home business right now that they're never going to sell at a reasonable price. they're going to have to change that over. they've got place in the store where they're bringing in new

product like the st. john's bay where they can't get enough of it in yet, but they're going to get enough of it in. >> you and i disagree in the short term. i'm not offering investment advice. rick, maybe you can answer this because i'll tell you, having been in the new stores, now, they are impressive. and i have no doubt that jc penney may be able to do very well down the road. the concern, rick, is in the next, what, six months, 12 months, 18 months, do they have the cash to survive? they are burning through cash, okay. they are losing money. the same-store sales have been awful. can they get through this triage? >> they can. when i look at my model, there are a couple tight places, but i think they can and they will. i think when you tart making -- when you start recording positive comp, you get the margin expansion. and remember, this company is going to have a $2 billion nol. >> what does that mean? >> net operating loss so they won't pay any taxes when they start making money for the first $2 billion. >> we called that the gm rule, i

think? remember general motors got a huge benefit from that and in fact still might be. is there, rick -- jp penny going to pin or day or trudge along and annoy the heck out of investors for years? >> i think we're at the win-or-lose case and we'll see it very quickly. >> and one other quick thing here and that is mike ullman. after christmas, not before christmas, does he get replaced? >> i think there's a go ahead chance that he gets row placed. but my understanding is that that is his choice, not theirs. he came back to save the company, save everyone's pension. so i think there will be a new leader, but i think thin the meantime -- >> of course, i'm going to add one more thing to that list of various negative p the stock a moment ago, and that is insurance against default for these companies near a record high. but there are a lot of big-name backers. you have, for example, soros who's lost about half of his investment. but he's not the only -- >> soros probably came in around

20 bucks a share based on the filing date. the stock's at 10 and change. nobody's piling on old soros, are they? >> there's a lot of big investors in the stock for all the right reason. the one thing we've left out, they're also seeing very strong sales online. they're running double-digit online sales. that means they've got a bright future for further out than just turning this short-term business around. if you can run good online sales, you continue to grow that, you can do the kind of thank macy's has been doing which is even if the stores aren't growing on sales, you can still have very good numbers. >> if they win, quickly, who do they take business from? >> they're going to take business from some of the off-price guys, tjx and ross. though i'm still a big fan of tjx and ross. they're going to hurt kohl's. they may hurt gap a little bit. but all across the mall and the biggest hurt will be sears, of course. >> i was wondering when you were going it bring that up. >> but beyond them, the companies that were all sort of physicaling, some of the ones i just named will see some nick to

their business because all that business, $4 billion went to other people. >> okay. we've got to leave it there, but great discussion on jc penney. we'll be watching to see where the share price goes and whether or not the ceo will be sticking around. lots of things it watch. >> great f1 driver david hobbs would say does anybody have the attachments to go long in the same trade. still ahead on "street signs," can you guess today's mystery chart? okay, the an old-school name. it has been a huge comeback kid. it is up more than 50% this quarter. and i want you to think the black keys rock band. can you guess? tweet us. we're going to reveal it later on in the show. plus, he calls himself boring, but his funds have knocked the cover off the ball this year, mandy. so i'll taboring any day. >> indeed. i'm going to take boring any day. bob olstein. let's go to diana olick who's

been digging in on housing hotspot, diana. >> reporter: that's right, mandy. we gave you the top housing hotspots you'd never heard of in "power lunch." now we've got three more, as promised. realty track his these based on home values, rents, jobs and investor competition. erie county, new york, borders a great lake and buffalo's there, too. rents are pretty strong. and you have zero investor competition. it's cold put hot in yield. jefferson county, louisiana, they call it a parish. part of the greater new orleans metro. rent are, too. very low investor presence gives you high yield. and davidson county, tennessee, yes, nashville, there's your hidden gem. higher home prices and rents will give you more bang for your buck. if you're in the market for foreclosures specifically and you want to know where the biggest discounts are, we'll tell you coming up very soon on "street signs." clients are always learning more

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okay. let's get you up to date on the markets. we've been down for five day. so as we're sitting now, marginal gains, s&p and dow are currently up just marginally. but we are trying to break a losing streak. okay. let's get straight to the trading floors and find out more. bob pisani and rick santelli. what's going on today? why are we being buoyant? >> the stocks are up the first day in six, but there seems to be a belief that we're going to get through what the problems we're seaing in washington right

now. i've been very concerned about this, but so far the market have been shrugging it off. take a look at the dow intraday and what's been going on. we don't have a deal in washington, right? we saw that move to the down side when representative boehner came out anded they may not pass a clean continuing resolution bill. they've tried to rally throughout the day. my position is very simple. put up the vix. the complacency level are very, very high right now. the cost of boying protection is very low. not a lot of people have protection out there. 14 is a very low number in the vix. so there's not a lot of panic out there overall. yeah, a lot of people push back when i say gosh guys are awfully complacent. we watch the ten-year, the yield. when they say, bob, if it was really panicky, if there was a real concern, the bond market would have told us about this. the bond market's telling us that a deal would be made. i'm not sure i go along with that, but that's the pushback i get when i talk about the fact that everybody is long and number's got a lot of protection out there. so there seem to be a belief everything's going to be fine.

we'll see. mandy, back to you. >> that is our motto here at "street signs," everything's fine. let's bring in rick santelli. maybe you've got something to say about that. also, i think it's interesting, isn't it, the way stocks have been grinding lower over the past five days when interest rate have also been grinding lower. >> yeah. you know, interest rates seem to have come it a day where there's some stabilization. as a matter of fact, the part of the curve that saw the boast buying with the biggest pushdown was the five-we're. and right now it's up about five basis points, curve flattening. maybe bob talks to a lot of bond guys that i don't talk to. it seems very difficult to think that what's going on in washington is the main driver of interest rates. it's still post-fed meeting because we just aren't getting the swings. i think if you want to know who's most worry about the kool-aid, you probably want to look at the people that have kind of purple around their lip. and i would think that would be the stock market. back to you. >> it could also be wine.

rick santelli, thank you very much. your next guest says trying to guess the overall direction of the stock market really is a fool's errand. and that you need to roll up your sleeves, dig in, do individual names to find stocks worth buying. you get the idea. >> documentary. >> documentary about research. he's found -- let's bring in bob olstein of olstein capital management who's suffering through a joke from jed. herb greenberg's still here but we don't know why. the market is going up. that you can't do that. >> since the crusade, therz nobody who has called the market with any degree of regularity, okay. >> there are people on in network. >> there's a guest every 12 minutes. you might as well bring in hey barber. he has the same chance. >> and you know what? >> has he been right? >> 50 prosecution. >> we were ki 50%. >> you call yourself boring. the big mental up, exciting headline stock, you want to get something that's priced right. what's price right in this market? >> i'm almost extinct that i

still care about valuation. everybody's worried about the latest quarter. it's like a casino game down there. 80% of the trades are electronic. we go in and we look at companies is and we've got three we're going to talk about in our portlio which have all doubled. >> that'sment point. as i look at those names -- you still -- you still positive after doubling. and you're not a momentum guy. that, to me, is the issue. >> well, let's get down to which stock they are. okay. harman international. sfwlo harman we bought back in september of '09 at around $30 a share. all three companies are in transition. so you go and you pick up the had and you look underneath the hood. here's a company foundedpy sidney harman. they produced audio equipment. and now they're automotive command center. the backup camera that were talked about yesterday. the air-conditioning system.

here's a company that went from debt to cash. they're going to earn probably 3.5 buck on their way up to 6 buck. new management come in, talks about consolidation, et cetera. this is the center of the car. some analyst wrote that apple's going to replace them, which is a joke. they link apple to their system. and hers a company with a great balance sheet. we think this stock could be worth $80, $90 a share. >> a lot of demand in global markets. >> $18 billion this aklog right now. >> your favorite metric is free cash flow. >> yes. >> if you had to pick one thing, that's what you would look at is free cash flow. >> absolutely. >> talk to us about ei dupont better known as due ppontdupont. what is dupont? they sold off some of their business. i aused to call them a chemical company. they're kind of an agricultural company now with a housing component. >> they've been valued as a

chemical. >> which means low. >> this company's earnings now is nutrition and agriculture and probably the titanium oxide company up for sale, we think it would go for as much as $8 billion. this allen coleman has done a terrific job at this company. we see $5 of free cash flow in this company. >> does it still get the discount? even though it's come a long way, is it still covered wrong guys? >> they say it's worth 12 tames earnings, 11 times. i don't understand that. but that's what gives us the advantage. we want misperception of a company. so here's a with that's going to in two to three years have $5 of free cash flow. we think 17, 18 is probably the right one. it's on its way to 80. we bought it on 20 in the depths of despair in '09. everybody's buying our fund when we're outperforming, and we lost

$400 million in march '09 at 6 bung a share. >> to brian's point, it's increasingly becoming an agricultural company and a biotech company which is a less volatile area. >> mandy, you need to research on it. next quarter it could miss by 2 cents. what does that have to do with the valuation of a company? fire that guy. he's wasting your time. >> if earnings drop, then the multiples expand. >> so what? >> so what? that's all it is. so if earnings valfall, the val of said stocks fall as well. >> it's the analyst's estimate. >> that's fair enough. i misfounderstood. our former krp parent. >> ge which, by the way, was in "baron's" with the headline not too big to grow. >> i was in "the new york times" saying this stock is highly overvalued in 2000 at 40 time earnings. >> it was a hedge fund that made light bulb p. that's what it was.

we found that out the hard way. >> i'm on "squawk box" and joe kernen threatens to punch me out because i forget they're the owner of your network. >> don't worry about him. i got him. >> here's a company now that has transformed by immelt. it's taken him a long time to undo what was done in the past 20 years. their finance earning are now down to 30%. >> becoming an oil and gas company very rapidly before our eyes. >> and medical with $2 a share and free cash flow. and the finance division that's left is good. here's a stock with a 3.4% dividend. we bought it at 14.15. it's now 24. we think it could be worth in the low 30s. >> it's kind of underperformed the industrials over the last decade or so. >> that's the life of -- >> what makes you think it's going to start outperforming? >> because free cash flow is the ultimate arbiter. >> and i know we've the two to go, but i'm noticing a trend in 66% which is this. two of the companies that you

recommended, dupont and ge, were very different company even five years ago. do you think people have -- and what's the opposite of recency boyce? do you think people have an established idea of what these companies are in their head and think, oh, who cares? slow growth. >> that's exactly what we said. >> they don't realize what the companies are now. >> that get back to how they're covered by the analysts who put them in one category. the old guy still follow them from the chemical side. >> that's why we're here. >> by the way, the title of my segment today is companies in transition. and like a battleship which is very slow to turn, wall street analysts are the same way. >> maybe they should do a yahoo! and slightly tweak or just do something to look a little different to give us an idea. bob, it's always a pleasure. we will take boring any day. >> and his barber is going to be on next time. >> good one, brian. >> don't give me that look.

come on. >> you're cutting it close. still ahead, the top three places to buy a foreclosed home right now. plus, in honor of oracle team usa/come wk win in the america ace cup, we are lacking at names you left for dead but missed. "street signs" back in two. follow us on twitter. i'm @sullycnbc. >> and i'm @mandycnbc. by the way, there are more ways to keep in touch with us. like us on our facebook page at facebook.com/streetsignscnbc. >> you're watching "street signs" on cnbc. everything's fine. we'll be right back. uzz: for teaching us that you can't create the future... by clinging to the past. and with that: you're history. instead of looking behind... delta is looking beyond. 80 thousand of us investing billions... in everything from the best experiences below...

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ishares by blackrock. call 1-800-ishares for a prospectus, which includes investment objectives, risks, charges and expenses. read and consider it carefully before investing. risk includes possible loss of principal. what we're looking at there, folks, is a chart of verizon. why are we showing this to you? it's up by 1.2%, and it is the best performer on the dow right now. the dow itself is only off marginally by about 25 points. verizon, of course, contributing it this move higher. earlier on we gave you the top three housing hotspot for investor yield. diana olick is back now with the top three places to buy a foreclosed home. diana, what have you found? >> reporter: well, mandy, what we found is, look.

a lot of people thought this trade was over because tlingcy p foreclosures are way down from the worst of the kreis, but there are still 1.34 million homes right now in the foreclosure process according to a new report today from lender processing services. all right. so where can you get the best deals? the biggest discounts on these properties? realty track ran the numbers. take a look. coming in in the top spot, honolulu, hawaii. distressed home are selling at a 94% discount to regular existing home. of course, they do have some of the hiest home prices in the nation, so you have to factor that in there. but you will -- but next we have pittsburgh, a real up-and-coming metro. still a 94% discount on foreclosed home. rounding out the top five you see, it's all in the midwest. now, you noticeware not mentioning the big investor market like las vegas, phoenix and california. in phoenix, for example, you're only seeing an 18% discount because it's been such a heavy investor market for a while. vegas just a 13% discount.

and riverside, california, just 15%. the competition there pushing up prices. very important to know if you are getting into these homes, you've got to come with all cash. all-cash purchases made up 45% of all home sales in august. that's existing home sales, foreclosed, not foreclosed, all of them. and in big, hot markets like miami, you're talking close to 70% all cash. so bring cash to the table. mandy? >> you've got to have the cash to bring it, i guess. thank you very much. monopoly money accepted. still ahead, biotech. >> prelus, herb greenberg is ba with a huge red flag on gluten free. [ engine revs, tires squeal ] [ male announcer ] since we began, mercedes-benz has pioneered many breakthroughs. ♪ breakthroughs in design... breakthroughs in safety... in engineering...

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let's talk with street talk. this is the one and only biotech feel kin of street talk today. we've got it all coming your way. first of all, we have facebook up by 1.5% today. huge target increase for facebook by jeffries. >> huge bid. the target fwz to $60 from 37s it. look, it's at $50.17. here's the thing. the stock already blew by their

old $37 target. but this is another 22% above facebook's current price. facebook above 50 for the first time ever today. the up 21% in the month of september high school supposed to be the worst month on average for stock. don't tell that to facebook. >> absolutely. one that we need to watch out for in light of the blackberry fallout. and tell us why. >> yeah, i thought it might come back a little bit today. here's why. the second biggest customer, jabil builds stuff for other companies. deutsche bank said we knew this was coming but the magnitude was a surprise. ubs says their target's under review. down 8.5%. >> why don't we look at walter energy. this is a rare win for a coal name. walter energy up by nearly 5% today. >> kind of an odd call by morgan stanley. and it's odd because here's why, okay. it's out of the metallurgical sector of had they're a member. they lower the target to 33 from 47. but the stock's at $14.50.

so even the new lower target is more than double the current price, perhaps people thought morgan stanley would cut it more. they believe metallurgical has gotten crushed, it's down big here today, may have finally hit the bottom. >> down 60% year to date just to put a number on it for our viewers and listeners. i think "street sign" should take the victory lap on this one because it was one of those under-the-radar names a few weeks ago. since then it's been in the news quite a lot. we're getting really positive ratings as well from various brokers. >> i mean, listen, toot our own horn. it's the power of using machine and going through and digging and doing your own research here. phar pharmacyclics. another 40 bucks of upside. up 119% year to date. here's the thing. $11 stock two years ago.

now it's at $130. 1,045% gain from two years ago today for pharmacyclic. >> this is why we dig out these names. another giant biotech gainer and just keeps on running. it's not up huge but it's an interesting story. >> kind of a lesser pharmacyclic. this was a 9 buck stuck. quote, the only up 345 -- 245%. >> herb is raising the red flag on a gluten-free play. >> i want you to look at the stock right now. it's been happening in recent days and make me think that's stks that you fly red flags over. the stock's up 2%. it wasn't up 2%. until my sort of red flag piece came out, i talked about it on "fast money halftime." this happened after they did a negative piece on herbalife.

somehow whether it's computer are whatever are wonderfully gained to try to buffer the negative news when it come out. in my case, i was writing belder brands which used to be known as smart balance pointing out there are several accounting issues that might may you think there's a little more risk there. maybe, you know, a little aggressive on some things. >> i'm going to ask you this. herb, i hope you don't mind, i think you wrote about it. your daughter has celiac's disease. >> that's right. celiac disease. >> gluten is the enemy. it's the real enemy. but now fwluten free has become a lifestyle thing. >> for now. >> and the craze is slowing down. >> and that's the point. and the thing is, is look. 1% of the population, the u.s. population, maybe 3 million people have celiac. it's a growing area. it's being discovered more in people. but that's a tiny fraction in the market. for whatever reason, a lot of people say, hey, celiac may cause -- gluten may cause this

or that. now there's this big gluten prush. >> it's trendy. >> it is trendy, the very difficult, if you really want to be gluten free, diet to follow. the real question is how sustainable will this trend or fad be going forward. and here you have a company that gets around 50 prosecuti% of it from product. good products. but, you know, they're expanding it to the mainstream. is it going to support that a year or two down the road or whatever point? >> and gluten free may be the new paleo which was the gnaw south beach which was the new exercise. >> and when you look at the analysts on the street, they're pushing it at the gluten-free place. so there you have it. in a nutshell. a number of these thing, i'm actually very concerned about today. >> okay. >> including the way these stocks are gunned. thank you very much, herb. stock market is up. and metals are down. let's get to jackie deangelis at the nay mechanics. >> it was a tough gaitor gold during the session even with what's going on in washington,

you didn't have any safe haven buyer. stronger dollar today certainly probably pushing prices lower. right under that psychological level of 13.25. and traders are saying they're looking for gold to go below 1300 but finds support at 1290. meantime, the rest of the complex struggling today as well. it was platinum that was another big loser. a loss of more than 1% today. but it was copper that actually was bucking the trend two straight days in a row of gain for copper. and that is before a one-week shutdown for a holiday in china. mandy, back to you. >> okay, thank you very much. wouldn't it be nice to have those big week-long shutdowns like they have in china? coming up next on "street signs," a disaster du jour. the company's name just screams pain. plus, our mystery chart. the music is a bit of a hint. the stock's up more than 50% this quarter alone. the band that play this fabulous song, "gold on the ceiling," and

this has nothing to do with gold. the black keys is your hint. nobody, i the way, on twitter has gotten it.

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we haven't had a disaster du jour recently because we haven't had much reason to. not so today. x this one hurts. shares of second largest u.s. car rental company hitting the skids after slicing its full-year rev gnaw forecast. fewer people renting at airports for hertz. also pulling down avis budget which goes under the ticker of, i think, car. >> also the ceo saying stronger pricing in the u.s. airport car rental market is helping partially offset some of that slower volume. i don't know about you, but whenever i've gone to get a hertz versus, say, an enterprise, i have to say it's in the exactly competitive. >> advantage is a different company. >> the. the affordable care act is only in its early days, but it's already having negative economic impact. steve liesman is the man we turn to. and he's here with the exclusive results from the cnbc all-american economic survey.

steve, give us your findings. >> mandy, interesting results from our survey. 812 americansled. some of the first to ask p potential economic effects. these are early day, but take a look at what we found over here believe their premiums are up because of the afrdable care act. 43% say they're up because they go up every year. 3% say their hours were cut. 3% say they lost private coverage. just 1% say they have gained coverage. these three here i should warn you are within the margin of error in the poll. 3.4%. it could be 6. it could be 0. just be careful with that early days. to be finding this, we asked a lot of experts, and what they told us is it's possible there have been some increase in premiums because of aca early on as insurers have folding this pretend tif care, no cap on lifetime insurance. they don't believe this number of 18%. so when you look at whauz pushing this number, what you find is here's a partisan element to it.

not entirely, but a partisan element. 19% of all adults say they've experienced one of these three negative impacts we talked about. 11% of democrats, 21% of independents. and 30% of republicans, 33% of tea party supporters. what does that tell you? a potential partisan element to that 18% figure we told you. but in the entirely because you can see 11% of democrat. let's move on, i'll look at the next screen. what we see is is there a problem with obamacare? at least the people when should be affected by this should be supporters, not supporting it. this is negative and positive. the green line is negative. take a lock, that number is something like 46% are negative. but then look at the people earning less than 30,000 did. these are the folks you would think would support the program stand the most it benefit. take a look. they're at 33%. 35%. about even negative-positive. and then go up one income bracket and it's very negative again. either they disagree with the plan or they don't know about the plan. or they think that it's something that's not going it help them even though the

administration would argue this is the thing that -- these are the folk that should be helped the most by the affordable care act. i don't know if we have the positive or negative stuff. is that the last one we have, guys? what i can tell you is that overall, we find that people generally disagree with defunding obamacare. but they want -- they appear to want to give it a hot, broshot,. >> they do. there's a lot of questions still surrounding this. let's bring this now small business owners. joining us from half moon outfitters is matt tyler from vickers engineering. two guys who are trying it deal with this on their own with their employee. matt, i want to begin with you. how is the new law impact -- i know it hasn't taken effect yet. it's going to be november 1st before small businesses go to the exchange, but how has it already affected you, your combo and your business overall? >> well, the interesting thing is we have 175 employees. but we're not considered a small business. so that little delay didn't affect us at all. it hasn't affected us all yet. however, that survey's going to be drastically different in 2014

because our renewal for 2014, we're on a calendar year, has substantial increases to it. increase that we've never seen before. our first quote was roughly 50%. we're going to have a successful repolicy up if we can get it down to 30%. 11% of that was directly tied to oba obamacare taxes and fees. it's itemized right there on the quote. the rest of it was just due to changes in health care in general due to obamacare. and it prevents us to have flexibility to manipulate our benefit package based on certain costs. because we're not considered a small business. we haven't seen an impact yet, but next year's going to be pretty devastating for us. >> pretty devastating. that's a strong word to say. what about you? how is it affecting the way you are employing people? >> well, it's not a devastating change fuss yet. we're not seeing anything like that. we have 120 employees, about 30 are full time. and we're not seeing major

increases that are unusual yet. we renewed in july. so we get a full year from july before we would see those renewal increases, i suppose. but one way we are going it adapt is probably to become a slightly more part-time-oriented business. we'll probably have a few more part-time employees -- well, we'll probably push more papart-time employment than ful time just it sort of mitigate that risk moving forward into 2015. but currently i don't -- i'm not seeing a major problem. >> just out of interest, since you mensed that you mate possibly hire for part-timers as opposed it full-timers, might you go down the trader je's route and provide a stipend? >> no because it seems like the stipend they were providing is to cover that very minimal health coverage that they provided before which was not

really like a full plan. it doesn't seem like based on when i've read. it fend on how part time and how maybe critical the position that's filled is. i hamean, that's always a negotiating point. and i guess we could, tally. but as it stands now, we want the health care that we provide which need to be basically an exceptional package to be an earned item. so that it's just one more line of -- kind of appreciation for our employees that just empowers them, makes them feel part of the team and allows us to try to deliver excellent customer service. >> so had the -- but matt, you know it's here. it's the law of the land. the supreme court upheld it so you're going to have to live with it. what are you going to do to make this work? >> well, we're very committed to our employee base, and we're committed to take on the literally the hundreds of thousands of dollars that this is going to impact us next year. put we have to share part of it with our employee. and so it's our job to mitigate

that as best as possible. and it's really interesting that the lower income earners that we're most worried about. and so that survey that you had indicated, they are somewhat concerned about it. i think they're dead right. the problem with a company like ours, we're a growing manufacturing company, but we're outside of this bizarre window that it's a 50-person company that's considered a small business. it's interesting because they can't -- our people can't then go to the exchange and get the subsidies that some of these other companies can. we still think that we're going to be well within the range for the first year. but it's in 2015 and 2016 and beyond that really concerns us because i think it's a pretty safe bet health care's going to continue to grow. but we are now limited with the flexibility as to how we can control our own plan. and that's what has us concerned the most. >> best of luck with the process. bezer and matt, thank you very

much for sharing your experience. >> thank you. up next, team america's america's cup win is being called one of the greatest sport comebacks in any sport of all time. yeah, mama said knock you out. so of course, that got us thinking about the greatest stock comebacks at least this year. we'ring to be naming names when "street signs" returns. ] ♪ [ indistinct shouting ] [ male announcer ] time and sales data. split-second stats. [ indistinct shouting ] ♪ it's so close to the options floor... [ indistinct shouting, bell dinging ] ...you'll bust your brain box. ♪ all on thinkorswim from td ameritrade. ♪

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it's been here for year. at least a day. one of the greatest comebacks in team history. a week ago larry ellison's team trailed eight races to one. they were one race away from losing before the clock ran out. they had another race. america won. they won the next eight races. epic comeback. herb and mandy, i'm going to heat it right now. humble pie. a week ago i said no chance. what are we going to do with all these cat amarans. >> enjoy that humble pie. hope it tastes good. the victory got us thinking about comeback stocks.

names left for dead that staged a rally. >> these stocks have dazzled even after being left for that dead pile here. much like the 2004 boston red sox or the 1942 toronto maple leafs. first up, we've got a stock that was one of the hottest ipos of 2011. and ipo that was supposed to price at 10 to 12 bucks a share. ultimately priced to 16 bucks a share and rose 9% on its debut. i'd give it away by saying they're in the internet radio business. of course, i'm talking about pandora. got as low as $7 and nearly quadrupled in value at its highs. competition gets fierce with i iradio. second, a media company as well with an activist investor named carl icahn involved. this one here, we're talking about, yes, it is netflix. of course, up 500% from its lows to its highs. third, how about getting into the holiday spirit a little

early? this company has been a go-to for shoppers. the newest of the electronics gear. that probably gives it away. we're talking, of course, about best buy. a stock that was $11 in december. 39 bucks now. the question is, will these stocks ultimately win a world series or stanley cup? the story continues here, guys. back over to you. >> okay. says a man who shows up on the scene and gets the seven digits. you know the routine. i was looking at my screens. i found a good comeback kid. our mystery chart of the day. we have very smart viewers. they guess it. this company up 50% alone. my hint was the band the black keys. the answer to the mystery chart is -- a couple people did get it. goodyear tire. here's why. the black keys are from akron, ohio, where goodyear was founded in 1898. third album called rubber factory. it wasn't a goodyear plant. general tire, a competitor. still, rubber factory. akron, ohio. goodyear. best performing stock in the s&p

500 this quarter. >> let's bring in brent willsy on this project. president of the willsy asset management. you are actually not a fan of goodyear tire. in fact, you say this company could go flat at any time. why? >> exactly correct. i look at this company. i remember when i was little. goodyear tire was a big company. everybody had it on their tires. white letters. mustangs had them. i don't have goodyear tire. nobody i know has goodyear tires on their car. i don't know who's buying these tires. the stock is close to a 52-week high of 23. if you look at the earnings it's attractive. 8.5 times -- is pretty good. look a little deeper. see intangible assets of $782 million. that's more than the entire equity of the company. again, the depth of this company, it scares me. the debt is 6.5 billion. that's an increase of $900 million from a year ago. negative cash flow. $462 million negative cash flow. i'm sorry, brian.

you might like this company. >> you're not buying what we're selling. is what i'm hearing, brent. >> yeah. because the story out there, the story is pretty good. look at the fundamentals, financial fundamentals of the company, that's what will drive the company long term. the stories, they pump up stocks short term. long term the financials, the debt, the earnings, they will come through. if they're not good, it will hurt that company. >> let's not be a debbie downer. let's get to the stocks that you do like, brent. one of them is apple. to use an america's cup analogy, you say get on board this baby and sail away. >> exactly. apple is one i like so much it's in our portfolio. ask yourself why buy this company. is the company making money? yes. is the product in demand? yes. financially strong? yes. why is not everybody buying this company? i don't know. it is the america cup winner. sales are strong. rudders are straight. company going forward. look at what this company did. i up loaded the ios 7 and

itunes. it's the best product ever. they make about $1 billion a quarter from itunes. i think that's going to go up. you can buy that song fairly easily. that's going to be fantastic. the numbers of this company. 11 times quarter earnings. sales, 14% year over year. great company. >> bottom line, you like it. brent, thank you very much. >> i do like it. coming up next, it's a dog eat dog world. someone's making a whole lot of money on the back of that. ♪

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you really love, what would you do?" ♪ [ woman ] i'd be a writer. [ man ] i'd be a baker. [ woman ] i wanna be a pie maker. [ man ] i wanna be a pilot. [ woman ] i'd be an architect. what if i told you someone could pay you and what if that person were you? ♪ when you think about it, isn't that what retirement should be, paying ourselves to do what we love? ♪

big business in doggy vacation. cnbc's julia boorstin is here. not just here. here, here. in the studio. great to see you in person. >> great to be here. the company is called dog vacay. it connects dog owners with 10,000 pretrained an screened dog sitters who range from college students to stay at home moms and freelance writers. who get to set their prices. usually half as much as a kennel. the company takes a 15% fee. they say dogs get better care and everything can be booked online or a new mobile app. ceo aaron hirschhorn has raised $7 million. >> we're looking at the entire pet services market. it's an $11 billion pet services market that's completely fragmented. nobody has even a couple points of market share here. it's wide open.

we're really disrupting this space across all those services. >> we checked in with a frequent dog vacay customer. she says she loves getting videos of her pets when she's away. we also talked to a certified trainer/dog vacay host who left his job at goldman sachs to make dog sitting and dog training a full time job. they really love this. it seems to be working. we don't have any revenue numbers. it seems to be going well. >> thank you so much, julia boorstin. thank you so much for watching "street signs" as well, everybody. >> "closing bell" is next. hi, everybody. good afternoon. welcome to the "closing bell." we enter the final stretch of the day. i'm maria bartiromo coming to you today from the clinton global initiative in new york city where in a while we'll have my interview with former president clinton. scotty? >> we look forward to that interview. scott wapner in today for bill griffeth. on today's show, the stock market is trying to break its