>> there's the s&p 500, up a tenth of 1%ings so a bit of a muted move today, but nonetheless the markets do remains in focus a couple days ahead of what is expecteding to an interesting people by janet yellen, among some of our other central bank. have a great rest of the day. "power lunch" starts now. . halftime is over. "power lunch" and the second half of the trading day starts right now. >> the mortgage crisis brought the american economy to its knees six years ago. now a new lending problem. a canary in the coal mine may be rising, and many believe it would be a threat to the recovery. we will talk about it. a major company's cfo makes a $1 billion mistake. see what happened to him, see how it happened, and making green in the middle of the drought in california. jane wells is on that story today. eismgts how do you get a lawn

looking luke this? you fake it. business is booming for some. we'll tell you who is making money and how, today on "power lunch." >> sue herera is out there week. cnbc susan lee is here today. welcome. >> it's great to be here. >> it's in my contract i don't anchor with anybody who is not named sue, susy or sue. so you made the cut. >> thank flew we start with changes and problems in lending, a key driver of the american economy. diana olick is reporting on changes in the market, but first phil lebeau on a big problem when it comes to borrows in the auto second ovmt. >> in the future when it comes to the auto industry. others are say there's an up tick here, but let's not get carried away.

more than 70%, there was also an increase when it comes to 30 and 60-day delinquencies. it's the subprime markets, that's what -- the auto loans surges in the second quarter. 19%, oh, my goodness, that's a lot? it's not as much as it was in the recession. 22, 23%, that's why when you take a look at shares of the auto maker, people are saying, keep an eye on the subprime auto loans. under the delinquency rate, he tried to say as well as the people who had their vehicles repossessed. it is worth watching, because if that ticks higher in temples of

repossessions, tyler, that's when the lenders get spooked and they start to pull back. >> you bet they do. phil lebeau, thank you very much. from subprime loans in the auto markets to new regulation that would prevent the same, a meltdown in the mortgage and housing markets. diana olick is in washington. >> in response, pretty much every federal regulator having anything to do with a home loans has imposed new rules, regulations and standards. the good news is we're seeing the most pretty steen mortgages today in the history of lending. transunion just reported that the dlingt wane rate fell to 3.46%, come down nearly 20% in just the past year. on the flip side, the cost of compliance, with all these new safeguards, and it would take me the entire show to explain them all is what lender i spoke with called insane. three wards of lenders surveyed said they expect their operational cost toss increase

because of new rules, and 95% said overall quality control costs have increased in the past year. now, from the mortgage bankers association, total loan production expenses rose 15% in the first quarter of this year from the last quarter of last year. 8$8, $8,025 per loan. in returns lenders are offering fewer new products and baking the extra cost into his your rate or into your closing costs form one lender says it can be ash did though that is a conservative figure. >> diana, thank you so much. we've got lots of news in the retail space. let's kick it off with target, missing earnings estimates and cutting the full-year outlook. forecast at its stores are blamed for the results. however digital sales did surge more than 30% from a year ago. the lowe's, the chain trims its sales, shares have been up for

most of the day. lowings is up from 2%. how many depot is up just about 9%. and same-store sales falling. exploring a sale now bound to increasing pressure from several of its shareholders led by activists and a billion dollar forecasting medicare related business, costing the jobs. how much higher can they go? let's bring in craig columbus. dorothy week, chair and cofounder. you just changed your position and say stocks more attractive

what's the thinking? >> i think we finally overshot on bounds. i think the labor market -- so i think we grind higher on yields here. >> where is the missed pricing? >> i think what you have to find, in trade by trade, company by company, so some of the event-driven managers, who are looking for corporate activity, whether it's spin-offs, mergers that's really where i think -- to the low growth environment are looking for ways to increase shareholder value, and they're not getting it all -- >> what about from the fed. what are you looking for?

>> i'm not looking for any big surprises. i don't think the jackson hole announcements will be breaking news. particularly with the facts coming out yesterday. inflation is not moving up rapidly, et cetera, so i think it's going to continue to be a more dovish and more of the same very much on track. what do you think of the market moves? has it stocked for the year? >> looking at a sector, in terms of price, the technology stocks were the leading sector, so you've got some earnings momentum. and that i think is very constructive. so what about elsewhere in the world. >> obviously i work in the asian-pacific, and people are saying there's nobody -- your view in. >> i do think it's value -- in

the is second half. >> what about from the event driven. that's how you make money here. it's really a matter of picking the winners and loser. you're -- for managers who can go both long and short, they can make money on both sides. within the same geography, we're finding opportunities, but on both sides. >> good to spend time with you both. let's get a market flash. >> a strong day for the defense sector leading the way, lockheed martin and general dynamics, both of them up about 1.25%, lockheed markets value passing

55 $billion for the first on solid booking orders. it's up 17% this year, right now trading up. it's up 29%, up about 1.25%. tyler, you always fly private. >> i wish i could. thank. apple shares with a post-reply, going as high as $100, now at $so 1. this comes a day after apple broke the $100 mark for the first time duncan brands and panera bread, both getting up -- from equal rate at barclays. long-term fundamentals are compelling, compelling, and panera's investments in new

systems for longer term growth. and shares of msg higher. despite a sharp drop in profits. revenue did top expectations. did amazon have monopoly power. chairman of the budget committee weighs in from the perspective of a new author here on cnbc next. plus the california caught in the grip of a major drought, but where there's a crisis, there's opportunity. jane wells is in longs. jane? >> well, you know, it costs a lot of money to grow grass, so how do you have your lawn look look this? you fake it. there's profits in that. we will have one would-be successful entry prewe come back.

a federal judge has issued a temporary -- hospira is trading up. milen joined the lawsuit on the fda's side arguing it would be harmed by a temporary restraining order. right notice mylan labs are up more than 2.5%. does amazon have too much power in the book business? the chairman of the house budget committees congressman paul ryan

on cnbc's "squawk box" weighing in on the battle. >> as a congressman, i have to watch what i say for ethical reasons. it's a very frustrating thing. i wish this dispute got settled. clearly am zone is making a power play here, in my opinion. >> very hard to buy your book right now. >> i know. >> do they have monopoly power? >> i don't know the answer. >> hachette is the publisher of ryan's book "the way forward. " amazon wants to use its market heft to get ha shell to lower e-book prices. hachette says this hurts authors, bookstores and doesn't take into the costs that go into creating books. susan? >> let's check in on california. the stay is suffering a major drought, and companies are

finding new and innovative ways to cash in. jane has the story. >> reporter: you know, water agencies are giving away tens of millions in rebate for people to pull out their turf and put in fake grass behind me. this was put in by smart grass, but this stuff isn't cheap. they're also looking for less expensive ways to still look lush. . drew mcclellan started lucky lawn.com, and drew realized there aren't any other companies in southern california offering the service. the ingredients for these products have groan better over the year. they last longer and less toxic or nontoxic. the average house is $175. and he says business has doubled in the last few weeks. >> it's kind of sad. it's not good for everybody else, but for the grass business, it's very good. up to summer, you can get up to

three months. i refer to it as hair dye, you you keep getting during the winter, in the dormant season, you get a good solid six months out of it. >> reporter: you just got to treat it, you know, like your hair. we better get used to it. a study by the university of california says the states allocates rights to five times more water than there is actual water here, even in a normal year. ty? >> that's a pretty cool idea. that's a great idea, paint your lawn, i guess. pay to play, the nfl reportedly wants music superstars like rihanna, coldplay and katy perry to play at the super bowl halftime show. is it a smart move? or will it backfire on the nfl? plus -- >> coming up, a playful power pitch. could this founder's brainchild be the next hottest toy? >> bugsies brings kids' work to

life. >> how do you plan to capture the holiday demand? >> i'm concerned that the focus isn't quite where in yet. >> are you in or are you out on this week's start-up in go to cnbc.com/vote right now and get ready to start voting. financial noise financial noise financial noise it's been that way since the day you met. but your erectile dysfunction - it could be a question of blood flow. cialis tadalafil for daily use helps you be ready anytime the moment's right. you can be more confident in your ability to be ready. and the same cialis is the only daily ed tablet

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welcome back to "power lunch." getting a tailwind from oil prices.

all safely in the green today. eye nighted becoming the first airlines to offers ub better transportation services via the mobile app.. all of them today up about 2%. american lagging just a bit there. >> bertha, thank you. time now for our series, the power pitch. entry prenears gets 60 seconds, and then a panel decides if they have what it takes. >> budsies take the child's imagine ace and turn it into fully custom handmade, safe and huggable plush toys. they themselves design it, and they make for great keepsakes.

giving back is part of our mission. we work closely with schools, easter seals, and to give freeze budsies back to kids in tough times. it allows designser, to work together around the globe and deliver your budsies in just four to five week. we have scrapbook app.s we've been outselling for just about five months, sold over 1600 already. we have two products likes about to open a third. what started off as just a side project for my kid sister is on track to be this years 'biggest holiday give. rach rachel's background includes kits group, and she has her own start up, a children's retail

concept in new york city. which focusing on the mid stage growth. has made over 50 investments, some including startups. and michael araten is the president of rodon group, one of the world et cetera leading construction? building toys for kids. alex, you're in the hot seat. glad you broad some. raching. you have the first question. >> we know in the toy industry about 50 to 60% of sales occur in the six weeks leading up to christmas. you have a long lead time. how do you plan to capture that demand. >> the lead times will shorten soon to about 2 to 3 weeks, and we also see our demand coming in on valentine's day, mother's day, father's day, kids'

birthdays. we'll see demand consistent throughout the whole year as well. >> what is the core to consumers. it seems like you're finding different tinds of holidays. >> the focus is on kids and parents. kids love this, because it's the only toy they themselves designed. our market age is about 3 to 10, so again, they love this more than any other toy. we have a blog. >> your product is retailing for $69. how do you expect to stay competitive in scale? >> this is a high quality item, knolls your basic toy you walk into toys "r" us and pend $15. this is a fully custom handmade artifact. it's not just a toy. i think we'll eventually get it down to $59, but obviously we're not having a lot of pushback. >> are you following the

guidelines by using consumer and child friendly materials. >> we test all our factories by a major company that big companies use to test the factories. currently two production lines in china and we're about to open a third. >> what are the average cost of goods and what's your cost to acquire a new customer? >> we don't like to talk about the margins on the air, legality a lot healthier than you think and like having your child 'name embroidered. >> we need to know whether we are in or out on budsies. this includes you, the viewers. so get out your phones or go on your computer and vote live. and say whether you are in our out. rachel, what do you think? >> i do think the product is too expensive to go mainstream in a big way. i do have concerns about the lead time during holiday. reluctantly i'm out. >> i'm definitely a customer. in fact i'll probably order

something today. i would probably see more traction, even may a higher price later on. so i'm out's of now. >> without the information on the margin structure and i'm worried about a stretched supply change for a premium products super moms are so concerned about safety. >> so i have to be out. >> it sounds look everyone likes the concept, but there are concerns. alex, what's your reaction? >> the concerns are execution and that's what i do best. i have no qualms about that and i can't wait to sell more of these moving forward. >> thank you so much, alex, and thank you to our panelists today. our live voting is just about to close. so thank you, viewers, for your in our out. that is today's power pitch. that was very interesting. i thought that the in or out was not a 50/50 split, but you had three of the experts say they were out, including mike at

araten, one of the most interesting business people i have met over the years. he makes the knex toys. there you see 58% in, 42% out. >> let's check in on the markets. still relatively flat session as we head into jackson hole. let's check in on metals markets. still below $13 hubz from what i see. and against it's a quiet session headings into this weekend, hoping to hear from the fed chairwoman janet yellen. rick santelli is tracking the action. rick? >> well, thank you, sue. you know, if you look at a chart of intraday tens, somewhat stochastic. should we settle?

on a yield with the 242 handle or higher? actually it would be a one-week high yield close, believe it or not. a lot of talk today about the last fed meeting, because of the information we get coming out this afternoon, but here's something counter intuitive. let's look at the main three sovereigns. let's look at ten-user. left, and look at guilts in the uk. all the high yields were basically made on those days. which really begs the question. if the fed and other central banks refuse to normalize policy, it certainly doesn't seem like a big banner for successful economies. maybe that is the interpretation. tyler, back to you. >> rick, thank you very much. rick santelli from chicago. pay to play, the nfl reportedly wants top musical

acts to pay for the privilege of performing at the super bowl halftime show. stroke of genius? or major fumble? plus how many app.s do you have on your phone? why the app. craze may be coming to an end or at least plateauing and what means for players in the mobile game. where the reward was that what if tnew car smelledit card and the freedom of the open road? a card that gave you that "i'm 16 and just got my first car" feeling. presenting the buypower card from capital one. redeem earnings toward part or even all of a new chevrolet, buick, gmc or cadillac - with no limits. so every time you use it, you're not just shopping for goods. you're shopping for something great. learn more at buypowercard.com

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welcome back to "power lunch." mary's agreeing to pay tole attorney general to resolve alleges that the personnel targeted minority shoppers, macy's also agreeing to adopt anti-profiling policies and designate a compliance expert shares are up. the s&p is pushing toward error highs. a six-year high on a bold run, up some 21%. also up 12% just in the past 12

months. the composite is at eight-month peak awaiting manufacturing data. market watchers and vesselors say this is a valuation call and expects more stimulus from the chinese government. let's get a check on the markets here. jackie deangelis following the big movers at the nasdaq. dominic chu is on on the floor of the new york stock exchange. >> what we have is a market that's drifting up at session highs, even though those session highs, we'll call it up by maybe a point on two. three points on the s&p 500, 45, 46 points on the dow. earlier today ubs's art cashing told my typically a slight, and perhaps a slight downward bias going into the closing bell. still it's a nice winning streak for the dow. among the outperformers so far today, the transportation stocks, that's something the bulls often like to see.

you look at the names leading the way. union pacific and kansas city sovereign all showing some outperform on relative strength. as you go towards they fed minutes. think about utilities. they will be in focus as well. as rates tend to rise, which we have seen over the last of the past few days, they stocks tend to xwrund perform, even though it's slight in a slightly up market, utilities, the consumer staples, main even real estate investment trusts will be a huge focus, so again at the stock exchange, very much a holding pattern, but all bets are going to be off in about 20 minutes as people start as to conveyor off. back over to you. >> meantime the nasdaq with a 14 1/2 year high.

saiding a new record high. the nasdaq 100 up almost 4% in a month alone, month to day that is. some of the stock having a -- we're not going to be surprised to hear apple, gill at, also tesla, facebook and google, the usual suspects are having a significant impact as well. now just under it. just today after it broke 100. of course, this is after that 7-1 stock split. also rising that news that tier a u.s.-based semiconductor company. not sure which one it will be. i want to look at shutterfly as

well. more than 3%, reports that silverlake and bain capital may be looking to buy this one. so got a little activity here at the nasdaq. >> back to you. >> another day of war drills in south korea. you hear the air raid sirens. today it hunkers down for air raid drills. eastern china getting hit with massive flooding. more than 300 people are being affected after heavy rains pushed rivers over their banks. and some urban parts of east china, the water is six feet high. and president bush has become the first president to take the ice bucket challenge to fight als. watch this. >> i do not think it's presidential for me to be splashed with ice water, so i'm simply going to write you a check.

>> that check is for me. i don't want to ruin my hairstyle. >> and there he goes. a good sport, president bush. he challenged president clinton to take the challenge. president obama said it was not presidential to have an ice bucket dumped on a sitting president, so the white house says his contribution will be monetary. lame ducks in the c suite. can ceo effectively lead a country when they have one book out the door? or mr. ballmer a couple ner. the leadership. and the proof is in the alumnae. and nasdaq's head, mbas and the

leadership, when "power lunch" returns.

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water bullish on better than expected guidance for next year. chairmaner win simon said the company's growth is not just coming from acquisitions, but existing brands as well. in other words, it's organic. the stock currently trading up better than 9%, a programming note. er win simon will be a guest on "mad money" tonight at 6:00 p.m. eastern right here on cnbc. >> get it. >> i like that. bertha, thank you. let's get to some other news. hertz saying that 2014 results will be well below previous frastsds. the company also withdrew its full-year outlook setting auto

maker recalls and higher expense. we have shares of am i cuss therapeutics. the drug maker's experimental drugs which causes abnormal fat accumulation was as effective as enzyme replacement therapies after 18 months. and the shares of jetblue updated toity perform on the expectations that the airline will make a number of moves to increase profitability, including a change in manage. tyler? >> susan, thank you. nyu's business school has seen some of the most power of financial leaders pass through its door. allen greenspan and ken langone come to mind. so clearly the school has considerable full with influencers. what skills will they learn about leadership and technology and much more? our week-long special continues now, with the dean of the nyu

stern school, peter blare henry, a frequent guess on power lunch. conner, let me let you go ahead of your boss there, and ask about what the students are coming in now wanting to learn and wanting to scuddy. how tars it changed from 10 or 15 years ago? >> sure, i think there's a pretty big difference from, of course, 10 or 15 years ago. the hot topic we are seeing right now is business annual illustratics, how to deal with big data, even with our center for business analytics, we're seeing it spreads across all industries. for them it almost doesn't matter what they're going to study, as long as they know that. i think some of the courses we are seeing are data-driven decision-making, for example. really interestingly there's a big demand from mba students to learn how to code, which i found interesting. not for, of course, for website,

but more in prime software like python or other ways of handling large data sets. i think the future leaders want to understand previously what only engineers and other academics, mathematicians have understood in the past. >> it's really false fating. stanford, notre dame, columbia, and now you, and each mentioned the study of big data as real imperative for the incoming student. welcome back. good as always to see you. the question being, when a leader, a ceo or say a president, you led one of the transition teams for president obama. goes into that phase we call lame duck. when they have announced they will be leaving in a year or

two, how effective can they be, or is it game, set and match, it's over? >> i think one of the key issues, whether you're in business or in politics, leadership is the art of the possible, regardless of what sector you're in. the key thing to answer is the right question. it's not whether i'll be a lame duck for the last couple years in my position, but what can i get down in that position? this is really the key question. one of the things we are focused on is helping these leaders by asking the right question. this morning, actually we just welcomed our incoming class of mba students. we put in front they have malcolm gladwell who spoke passionate by about the connection between leadership and data. in other words, it's not enough just to have lots of information, you have to ask the right question, how to use that information. >> security started today? >> yes, we're back in session.

leaders never sleep. >> i think all of -- -- they're among the most exciting days of your life. i know you field it. i want to turn to another topic that's in the news these days. the so-called tax inversions under which they redomicile overseas to lower their tax rates, basically. i want both your perspectives how you would explain the ethics, the patriotism of that to your students. as you speak to them, tomorrow allegation business leaders, the men and women who will be running companies in 10, 15, 20, 25 years from now, how would you instruct them to think about that particular issue and whether it's not just the smart thing to do from a fiduciary point of view, but whether it's

the right thing to do. peter, you first. >> it's a great example of a question, and you can't address the issue of tax inversion appropriately by just looking at one sector or the other. you have to ask why it that companies feel the need to go overseas and to invert. redomicile. the issue is we have a tax code that needs to be thought about in the international context, because right now tax codes with the way they are, companies collectively -- individually are finding it in their interests to think about redomiciling. so the question becomes how do we convene a conversation between business and government, a productive conversation about how we come up with a win/win situation where we have incentives in place to stay onshore. >> conner, your boss has been

very diplomatic. i don't mean to put you at cross-purposes with him, but let me ask the question. are companies that do inversion unpatriotic? >> no, i don't think so at all. i agree with peter. you sort of have to see what are the variables that are driving this to begin with. these questions will come up over and over again. going back to the original question on day one here of mba, and we want to keep this high level and inspirational, how will think not just address these challenges. we have a center for business and human rights precisely because mill lennial are concerned with this. they're not just concerned about making ethical decision, doing good, but they're concerned about how do they do that in the context in which they are also capitalists. they also want to make money. they want to do well for their family. how do we kind of address that. i think what we are trying to

instill here with the center for business and human rights is really how does human rights and these other questions, how do they come up in the classroom. more importantly we're seeing them pop up in ethics, we treat it as a business question, and pops up in global markets, and we think of new solutions to that. not on the ethical side or moral side, but how does that figure into how they make business decisions. what i see is they want to make the right decisions. they want to do good. this is the direction that we are taking it. i think at stern it's important for us to instill that character. >> i wish we could continue this conversation, because the intersection of ethics, morals and leadership is really critical here. i take your point about it being a business question more in your contact. by what a fascinating conversation. i hope you both will come back soon. >> thank you so much. >> fantastic. >> see you in the classroom.

>> hey, i'll do that. i won't be as good as malcolm. tomorrow he likes to push mba students far, far out of their cushy boardrooms. they're going to travel to ramallah and botswana to help microbusinesses get off the ground and learn it from the grund up. powell says making students downright uncomfortable is the only way to build leadership skills. fascinating conversation tomorrow as we continue our seer dwris on back to school and back to business. susan. take a look at these headlines. california finding ice buck fining parts pans for wasting water. can you tell which headline is fake and which one is real? facebook wants to help you figure it out. plus will big music stars pay to play at the super bowl? go and vote, cnbc.com/vote.

power rundown time. let's start with a hot topic, julia, p.e.t.a. purchases shares in seaworld to retain the

minimum investment needed and dismiss shareholder questions that can criticize the way the company does business. can you blame them? they want change. >> they want to make change and putting their money where their mouth is. it seems like i think they're up to 135 shares now. so i think they need to buy a few more shares to become a whale. >> they've been knocked down a lot, as you know, based on cry sim. they have responded say they're going to take steps to improve how they do treat. finance times reporting that the mood is gloomy for app. developers. is the app. wave over?

>> it seems to be. about a month aca homeless guy asked him for money, and i asked why, and he said he wanted to start an app.. you can only download so many app.s, or only solve time using these app.s, so i think maybe people aren't going to think that anyone can make a ton of money. though -- it's very hards to rise through all of that clutter and get people to see you have a new app. out there. >> very quickly, what's your favorite app.? >>. >> we're going to talk about it tomorrow called spring. it's a good shopping app.. i love thigh drop-cam app.. i can spy on my kids at home.

before we asked you, we excel you to tell us which headline is real and which is fake. >> there you go. ice buckets and pot. facebook this week announcing it's testing a satire button, hoping to make it easy for the users to decipher. has it come to this, raj, that we need help? >> sent facebook all satire? everybody's life is so perfect. young johnny has scaled mt. rainier on foot, which the truth is young johnny has athlete's foot. >> julia, what do you think here? >> look, have you seen the headlines lately? regular news headlines are so crazy. i understand why facebook is doing this. they want to protect themselves. it's not their fault that people

are so stupid that they think the fake is the real. nfl reportedly asking people to pay to play in the super bowl. for the 2015 game. the nfl got a chilly responsibilities from the artists's reps. here's the go vote question, cnbc.com/vote. >> we've seen a lot of stars launch big tours right after super bowl shows. so it's understandable the nfl would want to try to catch in on that, the whole thing of pay to

play is tainted. >> it seems like a bad idea. i think a better move would be to give it to a worth while charity. >> raj and julia, thank you very much. will music stars pay to sing at the super bowl? 41% of you say yes, 22% say only the desperate, and 37% say nobody will do it. hey there, susan. we're going to reveal exactly what it is. also the fed minutes will be a very big fate terr, breaking live on our show with all the instant reaction. a very big show of "street signs" with the minutes today. [ dog barks ] ♪ [ male announcer ] imagine the cars we drive...

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is the fed celt to finally make a change? we're going to find out in seconds. a fed and stock market are -- mandy, obviously one of the weirdest things i have ever seen. >> me too as well. on course for the biggest weekly gain in four months. the s&p 500 is less than five months away from the all-time closing high, which is 1987. you have the s&p there, 1984, all very good years. write it down, folks, and gold did below $1300. the dollar is holding around a high for nearly a year. the headlines straight away with steve liesman. >> july meeting, many agree at the fed they should move sooner if their goals are me more quickly.