melissa: i'm melissa francis and here's "who made money today". investors who jumped into the market at the start of january. the bulls capped off a quarter to remember. the dow yielded its best first quarter in 15 years! can you believe it? s&p 500 closed at an all-time high. leading the way for the blue-chips, hewlett-packard gained 67% over the past three months. boy, those investors are happy. netflix was the brightest star on the s&p 500. its shares soared 104% in the first quarter! what. if you owned shares of blackberry you made money early on but the gains slipped away later in the session. they posted a small fourth quarter profit-taking

many analysts by surprise. it sold one million of its new z10 smartphones but black per also lost 3 million sub -- subscribers. oops. if you listened to charles payne 1:00 yesterday you made money today. he said buy stocks in deckers outdoor owner of brands like uggs ads and tiva. deckers shares were up. jeffries raise the price from 65 to 100 bucks. go charles payne! even when they say it's not it is always about "money" in our top story tonight there is no stopping the bull run on wall street. the moment we've been waiting for has officially arrived finally. the s&p hit a new all-time closing high. to top it off the dow posted

its best first quarter in 15 years. closed at another record high today. is it time to pop the champagne or the bears are about to come out of hibernation? we have the money power panel to break it all down. jerry webman, chief economist with oppenheimer funds. matthew tuttle is the ceo of tuttle tactical management. lance roberts, chief strategist at streef talk advisors. thanks for joining the party. jerry, what do you think? >> i think it is great. the stock market is catching up with economic reality. melissa: really? >> yeah, really. i think we worried more than we should have about all the political noise. meantime companies were figuring out how to make money. companies have been making money. melissa: yeah. >> finally the stock market said, hey, this isn't about whether i get my political preferences or not. this is about who is putting cash in the cash register and can i own that stock. melissa: matthew, i think jerry is crazy. the economy is not better. this is all about ben bernanke pumping money the

economy, buying bonds, getting interest rates so low the only thing you possibly can make money on is stocks? >> you got it. that is exactly what is going on as far as we're seeing. the economy is better but it still stinks. to else, where are you going to put money? money goes where it is treated best. i don't want to earn 2% in 10-year treasury. melissa: lance is laughing, you have to go next. lance, what is so funny? >> i just agree with you and with your other guest. >> with matthew? >> the economy is horrible. with matthew, story. look at gdp for the fourth quarter. we saw personal incomes and have been declining and personal spending was barely positive in the fourth quarter. i mean, that 70% of consumption makes up 70% of your economic growth and it is really struggling right now. with higher payroll taxes that is something we really want to pay attention to. melissa: jerry you have corporate earnings on your side. >> i have corporate earnings on my side. i'm delighted what the other two guys are saying, thank you very much. you told me there still a

wall of worry to climb. there are serious problems with this economy and this is the best economy in the world right now. so there are a lot of problems out there. but you know you look at valuations. after all stock, you're not paying for your view of personal income. you're paying for future earnings of companies and right now you're not paying an excessive amount for it. so i'm okay with stocks. melissa: matthew, all the viewers really care about if they make money tomorrow. should they stay in stocks and for how long? what do you think? >> i don't know whether you will make money tomorrow because i think it will be real volatile around this closing high. this will be real tough resistance to get through but we're expecting another 20 to 30% over the next year, year-and-a-half. melissa: 20 to 30% over next year, year-and-a-half in stocks? >> as long as the fed keeps their foot on the pedal we think stocks are the place to be, but as soon as we get off, get out. melissa: that is huge, lance, do you agree with that. >> matthew is right and i don't disagree. i wrote an article the end of february getting ready

for all-time highs. we're here. as we talked about before, we want to be long the market. i'm long the market right now because the fed is pumping in money but that doesn't mean it is a one-way ticket to ride as the battles used to say. this is something where we could see a rally into summer. you're going to get a breather at some point in here. just a correction of 10 to 15%. could be resurgence of a eurozone crisis. cyprus is not fixed by any stretch of the imagination. get ready. they will be back to the party here soon. that could cause jitters in the market. correction could give you time for more capital to work. matthew is right, more money, higher fed prices. pay attention to that. >> go ahead. >> i am chicago boy. i knew milton friedman. melissa: you knew milton friedman? >> i knew milton friedman. i will tell you a story if you have time. melissa: my favorite economist of all time. you have new respect. >> 1968, people had dinner in the dorm. people called him names. threw things.

he made me look like shaquille o'neal. he would sit down, big smile on his face. mr. friedman, how can you smile with all this? he would say because i'm right. melissa: he was always right. >> monetary policy matters and it matters more than just the superficial where stocks are going. this monetary, look, credit formation is beginning again. households are borrowing a little bit for mortgages. businesses are expanding, because they have got to. they're putting cash to work. that will create jobs. this is not a beautiful world. melissa: milton freed man fan you can't possibly like what ben bernanke is doing. he has perverted monetary policy. >> bernanke, i don't call it a perversion. bernanke said at that, 90th birthday party, we saw what you got wrong in 193. we're not going to get it wrong again. melissa: he is monetary policy on steroids. he has broken all kinds of new rounds of monetary crisis. milton friedman is rolling in his grave. matthew, what about you, i

don't think he likes this at all. >> he shouldn't like this. i think ben bernanke is creating a whole bunch of problems. melissa: a bubble. >> definitely creating a bubble. we're enjoying it. we're making money. we'll get out when the bubble pops but i think for a lot of individual investors out there it will be a mess at some point. melissa: lance, weigh in. >> well, absolutely. milton friedman would have said the perversion in corporate profitability we have, we have very high profitability relative to wages. he would be rolling over in his grave had he seen what is going on now. you have 85% correlation between the stocks and fed balance sheet. that's it. that is driving the market right now. it is not economics. it is not wages. profitability is starting to stagnate and roll over for corporations. there is your worry line. melissa: great debate. thanks for coming on. i hope you come back. >> thank you. melissa: restaurants, once obamacare's fiercest critics. some are suddenly singing a very different tune. companies like chipolte and wendy's are slicing estimates for what obamacare

will cost them. sounds like great news, right? far from it. disturbing revelations lie beneath the surface. joining me james shirk, senior policy analyst at heritage foundation and paul howard, center for medical progress. welcome back to the show. paul, let me start with you. because, this idea that they're cutting their estimates and wendy's from about $25,000 a restaurant down to $5,000 a restaurant is predicated on this idea that a lot of employees will decline the insurance that is being offered them. they will decide that the penalty of $95 is a lot less than the portion that they would have to pay for the insurance they're getting. first of all, do you agree with that premise? that is what a lot of people are going to do? >> that seems like a reasonable premise. penalty for the first year is low. richer insurance packages businesses will be required to offer if they offer coverages will be more expensive. employees will do a rational thing. say no, pay a small penalty and avoid a big financial

hit. melissa: james, what does that mean for overall obamacare? we were supposed to add so many more people to the ranks of the insured. if what we're predicting and talking about what paul says comes true, that is at least six million people by a lot of estimate, could be as many as 10 million people will be refusing to be insured? >> that's the first year estimates. in later years the penalty becomes steeper and so, i expect you will see more people signing up. the problem is this so-called affordable care act is making health care a lot more expensive. we're already seeing estimates now for the single, for the individual market and the average premium increase for next year will be 30%. in some states like ohio, and in wisconsin, it is going to be 80% increase. we don't yet know what the employer sponsored premiums will be but it will be similar size increase. health care will become less and less affordable for most americans. melissa: let's stick to the one particular part of the law right now. paul, let me ask you, if you're taking six million people and finding them, 95

bucks and having them enroll in insurance this is just a huge tax on low income people. where does that 95 bucks go. >> that is what the supreme court said. they said this is a tax. people will pay the tax and stay out of the market. as, jim pointed out until the tax goes up, but employers will find other ways around the law. they will cut back on hours. they will cut hours down. have more part-time employees to pay for insurance. even as the tax goes up in the out years, employers will find ways to cut back and avoid more costs on their end too. melissa: james, how do you feel about that if this turns into a huge tax on low income people? i mean those are the people that would choose to pay $95 rather than getting insurance? and what is the government going to do with that money and how will people feel about it? >> well i think that is law, who supporters intended to help people will have the exact opposite response. it is law of unintended consequences. it will be a massive tax increase and middle income

and lower americans. and as he said we're already seeing companies cut back on employee hours. there is no penalty for part-time many employees. businesses like restaurants, community colleges, a lot of employers are saying all right, fine. you simply can't work more than 30 hours a week. you can have 28 hours a week and not an hour or more because we don't want to pay the penalty. that hurts workers. melissa: down the road the penalty goes up. at what point which it starts to impact people and they want to get insurance rather than pay the penalty. >> that really depends on their individual health status. people who are in good health, who might pay at upper income levels, potentially thousands of dollars out-of-pocket will probably pay the penalty until they expect to have higher health care costs. maybe they get in. at that point they know insurers have to charge them the same price. the genie in the bottle if the people getting in pool is sicker, drive up costs for everyone and lead to a lot of backlash of the law.

melissa: absolutely. james and paul, thanks to both of you for coming on. >> thank you. melissa: next on "monny," the fight among networks for money and viewers reaches new heights. the creators of the hit fx show, "the league", join us what is ahead for the business of television. that's next. plus california and new york sit on their hands as the fracking boom passes them by but their loss is north dakota's gain and may have just become the smartest state in the country. we'll explain why. more "money" coming up. ♪ [ kitt ] you know what's impressive?

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♪ . melissa: so the television up fronts are in full swing and fx is already making a slash. today it announced it is launching a new network for young adults called, fxx. sounds naughty, right? two people making a truckload of money off it are jeff and jack can i schaeffer. creators of the hit show "the league". i can't believe i trashed your names. sorry about that. >> it is interchangeable. melissa: they're interchangeable. >> i can't tell you how many

times i get confused for her. melissa: that's right. so you guys are a huge hit. you're basically getting your own channel. so many people watch your show. seems like the dominant thing in television is to get more narrow. the networks proven broad trying to get a lot of people in the tent doesn't work. am i right? is that how it is going and is that how it works? >> 2 might work. i'm not sure we're a huge hit and we're punish and and so naughty that they have to a create a channel that will be naughty bench, fxx, naughty bench for the league. it is working on ore line dating. you can find somebody who is also interested in cost mow poll tans and want to spend the rest of your life with that person? same thing with "the league". you're interested in comedy and fan at this football, fx, "the league". >> fxx was channel designed by news corp to make fox business channel people we're great. so many households. we're giant. fxx was the fox soccer

channel. this switch as disappointed literally tens of people. >> talk about it called fxx. that show is filthy and say stuff on basic cable i'm positive you're not allude to. how do you get away with that. >> we've been accused of porno jason. we're literally one x away what people accuse us of all along. >> so funny. beginning of truckloads of money. there are no truckloads of money. only question we ask how much we're making. don't tell us standards and practices are changing because we're targeting younger demographic. melissa: with all this, all kidding aside, seems like content is king, especially original content. if you look how the different channels try to differentiate themselves and stand out and draw veers. you think about netflix, a whole business is built on original content, cornering the market on first-run. think of hbo and showtime came around to show people movies. now about original series. that is how you draw people in.

that has to be great for show creators like yourself? >> yeah. i think it is. the interesting thing about original content, it is creating content that is original. separates basic and regular --. melissa: what does that mean? >> you should be able to make a show people will talk about. not a time slot hit. in era where people can choose what they want to watch when they want to watch you will not see what is on after the jim belushi show because you fell asleep with your hand down your pants. now you have to, you have to make a show. onus is on creators which is great to make a show people will really talk about and they will say, can you believe what just happened on the melissa francis's show today? can you believe what he just said. melissa: i can't believe it. i'm sweating now. >> exactly that. that's content that is original. >> original content really also means that it is just trying to only be what it wants to be, as creators is good. and i think what happens is, when you're at a big network you're trying so hard to please so many different demographics, so many different types of audiences depending what night they

put you on and what your lead-in is and before or after you and coming in at 10:00. with "the league" you try to make the show you want to make. with fxx they put us on filthyest spot on basic cable. so we'll be there just fine. melissa: how does it change the economics of the business? find a home for whatever show you're thinking of? is there more opportunity? what does it mean? >> we talked to people in the business, developing platforms for delivering content it is sort of heading direction you buy a show way you buy an app. there will be something out there for everybody. and you will increasingly have more algorithms as a way to find it. melissa: yeah. >> them to find you. melissa: meantime great for advertise terse. when they are looking for, men who like naughty programing between the age of what 24 --. >> 18 to 34. that is the sweet spot. melissa: that is the sweet spot. they know to come to you. i see pizza hut a lot on your show, right? >> right. melissa: how do you feel? pizza hut box is right in the middle.

creative people used to hate that. >> creative people hate that. add sported basic cable is dirty word. not the same as show time or hbo we're supported by big brands. think about what it is like to do a show about guys and fantasy football. it would be impossible to have fake beer and fake pizza and fake soda. we're thrilled to have dr. pepper, anheuser-busch, pizza hut, all the people involved in our show. thank god they're giving us free product because the nfl doesn't let us use logos and jersey. >> the show is about the nfl. >> thank god the pizza and beer is real. >> like your people about the fantasy football league. you don't want real people all of sudden think drinking an anheuser shlub or pizza hout. they're trying to portray what real people are really like. melissa: a lot of pressure kicking off a new channel? how do you feel about it? >> a lot of pressure. i saw a press release word anchored. i don't know how you do it.

word anchored made me nauseous. melissa: i've known you guys for a while. you're not terribly responsible. making you anchors of anything is terrible thing. >> it is a pleasure we'll be on the air for at least two more years. how many nfl head coaches say that i'm looking at you, rex ryan. melissa: jeff and jacksy schaeffer, thank you so much. everybody out there watches "the league" on fx accident. -- fxx. making switch in september. new channel. next on "money". a winning financial strategy? do the exact opposite of california and new york. two new oil projects prove that the north dakota may be the smartest state in the country. we have that next. how is this for brinkmanship? the u.s. launches b-2 flights over north korea. but it comes at a price tag. an administration official joins us with detail. do you ever have too much money? ♪ . ♪

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♪ . melissa: so when california and new york go one way, go the opposite. both states refused to give the green light to fracking but north dakota is charging full steam ahead. it is breaking ground on two new oil refineries to keep up with soaring fuel demand driven by the state's shale boom. while california and new york states look like dunces, north dakota is proving it is the smartest kid in the class. joining us with more is john kingston platts global director of news. >> thanks. melissa: north dakota looks like smartest people in the country right now. >> nice to have reserves. a lot of people have reserves but don't always exploit them. melissa: that's right. you have to take advantage of them. california and new york have nice reserves but they are not taking advantage. >> monterey shale, every time somebody estimates what they are the number is usually higher. jerry brown three weeks ago that got the oil industry

all cooing and get a warm feeling inside. but at end of thing, but i listened to transcript of the wholt thing. i veept said anything about fracking here. to fully exploit the monterey shale you have to frack. if you have tight regulations on tracking it will not allow you to produce what you can. melissa: why doesn't he talk about what is going on in north dakota? the unemployment rate, 3.3% of the, the lowest in the u.s. because of that fracking boom. california, 9.8, tied with road island for the highest in the u.s. median household income in north dakota up 10%. in california it is down almost 2%. the states are right there. >> they are right there but the cultures are so different. i've been in north dakota. i've been to california and, yes, they're both states of the united states of america but beyond that --. melissa: in north dakota do they like money and like working? is that what it is? >> people said that the u.s. doesn't have an energy policy. somebody said recently the u.s. always had a energy

policy and they didn't realize it. that policy you get private right for development of minerals under your land. that has always been the case up there. melissa: what does that mean? >> in fact it used to be the mineral rights belonged to state in other country. >> right. >> in united states the united states mineral rights belong to the landowner. states with heavy agriculture and people developed with a farm and something else they understood that the idea you can develop your land and turn it into a thriving oil and gas facility made a lot of impact and also not in at odds with the way they always thought up there. so they have been able to take the culture. plus their reserves and turn it into a boom you see right now. melissa: who is a anomaly and who do you think more states end up learning from? you're looking you want to pile on north dakota is opening refineries, something that we haven't seen in this country? >> they are anomalies, those refineries. they will produce mostly diesel, diesel needs up there because of the boom are enormous. very small refineries.

only 20,000 barrels a day each and will serve that local market. there will not be any new $200,000 refineriessbuilt in this country. melissa: ever? >> ever. a lot of refineries seem to add what they have. there is fascination needing a ribbon cutting for a brand new refinery. the fact is, a lot of refineries added projects, expansions that standing on their own would be a pretty big refinery. so the obsession with a new refinery is overdone. melissa: how many states, do you think more states follow in the footsteps and wake up to what is going on? >> more states have. melissa: like who? >> let me give you an example, ohio. this is classic industrial rust belt state and they're developing utica shale there. they have a governor, john kasich who is very supportive of it. looking at income tax cut funded by a higher severance tax. new york and california are really the outliers. vermont banned fracking. does not believed to be any shale gas. new jersey may have even done it. new york will be the real

test case. it is across the border from pennsylvania where they're having a boom. governor cuomo seems to go in there and come back. let me point out there are really three options. you can have a ban. you can lift the ban but even the third option lift the ban and make the process so onerous that you end up shutting down --. melissa: is that your prediction? >> this way andrew cuomo doesn't look like he is completely irrational number one. number two he doesn't invite all sorts of taking suits. if you ban it there might be strong indication and people say you banned my rights to develop the minerals under my land. that is taking under the constitution. melissa: right. >> you allow fracking. melissa: but don't really allow it? >> right. in fact jerry brown in the first year in office did fire the top two people from the state's oil and gas division because they have effectively put a moratorium in. melissa: john sing ton. no one knows more than you do. thank you for coming on. we appreciate it. time for today's fuel

gauge report. natural gas orders up 20% in the past three months, posting their fourth straight quarterly rise. oil futures hit a six-week high at 97.13 a barrel. for the quarter crude climbed 5.9%. chevron is cutting compensation of its ceo and several top executives. stock awards will be sliced by 11% in and bonus by at least 10%. the company says the cuts reflect operating incidents that took place in 2012. among them a major fire at chevron's oil refinery in richmond, california, and a fire at a chevron oil well off the coast of nigeria. want to put a dictator in his place? fly a b-2 bomber by him. if the u.s. flexes military might to influence north korea it isn't coming cheap. as tensions mount, will severe military cutbacks give the u.s. more bark than bite? plus when everyone loves tiger woods again, nike comes out with this. will the new ad campaign throw tiger's brand back in

the gutter? a top marketing expert joins us. "piles of money" coming up. ♪

melissa: so it doesn't matter what time of day, money is always on the move and shares of ebay are climbing aft hours. a short time ago it released a new earnings forecast. it projects it will increase revenue by up to 68% over

the next three years. that's huge! increased profits by 15 to 19% per share. and you can see there investors are liking that. talk about putting your money where your mouth is, the u.s. sent two b-2 stealth bombers on a training mission over south korea. it is sending a very clear message to kim jong-un of north korea. mess with south korea and you are messing with us. tensions are soaring by the day on the korean peninsula, but will severe u.s. defense cutbacks hurt the missions like this one and inhibit our ability to harm our ennis. chris, welcome back to the show. first of all is that a fair characterization that's why we did that today? >> melissa, thank you. a pleasure to be with you this evening. yes it is a fair characterization much of what we do in terms of our military posture, deployment, exercises and operations is meant to send a signal and a

message to our enemies. there are all kinds of things we can do short of combat to let our enemies know where we are. let's make no mistake north korea is our enemy. nobody understands why they do what they do. we can assess the behavior and and its impact and for sure it is destablizing to part of the pacific rim. part of our position to position bombers on the south peninsula where the north koreans are sure to see them. melissa: this is a show on money and how much is being spent and we want to look at that through that lens. military prices everything in hours. by our calculations this mission, that you know, went straight out over missouri to the korean peninsula and came back nonstop, cost $5.28 million. was it worth it? >> absolutely. the fact of the matter is, keeping a lid on north korea or keeping them contained and constrained in their ability to create havoc is a lot cheaper in the short run

for us to spend money now than spending money on any mess they make. the fact is north korea is nuclear power. they have validated nuclear weapons capability. they have a validated nuclear weapons delivery systems with all the missile launches it of the is good investment to keep north korea contained to fly bomber flights over north cry to let them be aware we know what they're doing. melissa: you say it is a good investment but likely one we're continuing to make given everything with going on with military spending and sequestration cut locked into effect? is00 of the things that would get cut or does this stay at the front of the line? >> this will be one of the things that gets cut over time. melissa: really? >> yee it would make a lot more sense for air force to station bombers in guam. that is shorter to north korea. shorter flight. easier on crews. get them to the combat center. it costs more money to deploy forces into guam than it does stateside. with the sequestration the military does not have a lost flexibility in what part of the budget it can

cut. so what we're cut something what is called operations and maintenance and military readiness is going to suffer as a result. >> talk about operations and maintenance. the maintenance on this plane in particular, on this b-2 is $60 million when it goes in for lube and oil change every seven years. the cost to build one is $2.1 billion. we all have enjoyed looking at pictures of it during the day. seeing people stand and stare at the television. it is such an incredible aircraft. is it worth it? and is it something that we're likely to continue to invest in? >> that is a great question. the fact of the matter i'm not reflexively pro-defense spending. i'm like spending money on things that make sense. manned bombers with stealth capability make a lot of sense. reprogramable in flight. send two pilots on a mission. cancel the mission halfway through. you can change the mission. a things that manned bomber can do that cruise missiles can't do. the fact of the matter the united states is only country on earth that has a

manned stealth bomber capability. this is one of the things we need to really hang on to. really need to prioritize as one of our best weapons systems. melissa: do you think in washington and pentagon when they're making decisions about doing something like this, are they considering% the money and the cost and do you think they should? >> they absolutely consider the money and cost. they absolutely should. every day the pentagon is trying to figure out how to do the best mission with the least amount of money. fact of the matter the pentagon is getting squeezed hard by sequestration. i'm not saying that is not reasonable. the fact of the matter the entire government spends too much money. pentagon has to tighten its belt along with everybody else and every day the pentagon is looking how best to accomplish the missions at most effective price points. melissa: chris, you're so logical. we love having you on? >> thank you so much for having me. melissa: next on "money," tiger reclaims his crown as golf's king and then this happened. winning takes care of everything! well except the pr firestorm. did tiger and nike just

shank his comeback? a top marketing guru joins us on how to recover next. because at the end of the day it is all about money. ♪ . we went out and asked people a simple question:

how old is the oldest person you've known? we gave people a sticker and had them show us. we learnea lot of us have known someone ho's lived well into their 90s. and that's a great thing. but even though we're living longer, one thing that hasn't changed: the offici retirement age. ♪ the question is how do you make sure you have the money you need to enjoy all of these years. ♪

♪ . melissa: so after finally regaining his ranking as the world's top professional golfer tiger woods might have land himself back in the rough. nike launched a new tiger ad campaign that says, winning takes care of everything. really? wood has been known to use phrase but a storm of criticism says that it promotes an awful message given his scandalous past. so will the ad campaign put woods back in the green or did nike totally shank it with this one? all right. joining us now is bruce terkel, with turkel brands. creative executive editor. bruce, what do you think about this? >> i don't get this one at all, melissa. melissa: yeah. >> i worked with the nike folks. they are the best of the best but this one doesn't make sense to me. melissa: no, it doesn't. winning takes care of everything, in one sense i guess you can see it, that

he, everybody would continue to talk about you had screwed up his career and cheating on his wife, wrecking his marriage, distracted him from everything going on and once he wins shows he is back but the phrase itself, winning takes care of everything, makes it sounds like it doesn't matter what i did because i'm winning. >> why didn't they just say, congratulationss? i mean this makes it seem like, it was just a little faux pas. we don't care anymore. as you said, i'm winning. so who cares. maybe the golf audience doesn't care. maybe it is middle-aged guys. melissa: yeah. >> they think it is a kind of funny. nike has a worldwide audience. they have a huge women's business. they have a big business with parents buying uniforms and equipment for their kids. i don't get it. i don't know know why they did it. it doesn't seem worth the risk to me. someone is not paying attention. it was a boneheaded move. melissa: first thing i thought about was, i have little boys, i will buy them new balance sneakers. they don't need nike products. you like to say i'm not the

target audience. >> nobody says you are. melissa: but i don't golf. you know. maybe golfers say he is back. maybe it works in golf setting, i don't know? >> well you know i would have bought that except they didn't just do this as a billboard somewhere in a golf course. they posted on the social media site which as you know means it goes viral. everybody sees it. if you go to their site, the angry responses are on nike's property. why would they do that? someone wrote, sinning takes care of everything. other people wrote, he is still aing . i don't get it. i just don't know why they would do something like this. now you wonder is lindsey vonn thinking, well it is downhill from here? melissa: right. >> just bad. melissa: what would your advice be to them now? now they have done it. the cat is out of the bag. they're getting the negative backlash. if they hired you to come in what would you tell them to do? >> well the first thing is we've always talked about, they need to admit what they have done, apologize,

demonstrate how they exited it and moved on. but interviews i've seen they say no, no, it is not about that. it is about the quality of his play on the green. well, sure. that's what they want to tell you but you got to come clean. melissa: yeah. >> you can't simply, i mean, you know, why don't they just give ellen a 9-iron and let her beat him again? melissa: you have to come out and say, we did this ad. we didn't mean it to be offensive. we were talking about his golf game. we made a mistake. wee we're pulling it. what should they replace it with? what would be a better slogan to say tiger is back? what would you advise them? >> i think it is a bigger picture, what happened with tiger woods, lance armstrong, oscar pistorius, we have to looked at whole woman plex of sports heroes as role models and idols because that is not really what they should be. part of the advertising that nike and others does, promotes that. and instead we've got to talk about the game.

we got to talk about how much fun it is to watch them play. how much which aspire to be like them on the court, on the green, on the field. melissa: yeah. >> but this off field business, we've got to stop promoting that. they have to stop talking about it and they have to say he is a hero when he has got a golf club in his hands. rest of the time, not our business. melissa: not our business. bruce you haven't mentioned anything about a little bet that you lost, about march madness. there was something about harvard being in the dance and you said that there was no way they were going to win at all. if they won anything we could have a bet. >> i did. melissa: you haven't paid up. i wanted pinnochios, steak and cheese from harvard, campus, in cambridge. >> i have a something for you, melissa. here they are. we'll box these up. melissa: no, no, no. >> send them your way. melissa: i don't know what that is. i don't know if that is subway. i don't know if you took tube socks wrapped them up in paper. that is not pin nokia yos.

that is in the middle. harvard campus. four steak and cheese for my family, you got isn't. >> you have a big box full of them. melissa: pizza while you're at it because you passed off that nonsense. >> how will we ship a pizza. melissa: not my problem. you made the bet. don't care -- hire a plane. do anything you want. winning takes care of everything my friend. >> that's right. i agree. melissa: thanks for coming on. >> wait a second. my gators are still in it. if my gators go all the way you send me bagels and pass tram my. that is half the bet. melissa: thanks, bye. >> bye-bye. melissa: wal-mart has a new way to deliver packages for online buyers. let store customers do it. why wouldn't you want strangers to deliver packages to your house. why wal-mart could open up pandora's box. do you ever have too much money!?

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but. >> may be as a convincing robbery with a gun. impending chance for rape. ding-dongs. 6:00 tonight. the liability is tremendous. they had things like this they do have some degree of assurance, not the degree that i would be comfortable with. they will not be held to same standard as wal-mart. >> they have so many fiscal stores.

biggest retailer out there the biggest reason out there. think about it. but thinking of someone is driving, go to walmart. that's -- you don't think that the family will move back. melissa: you can see where this came from. they live in rural neighborhoods. going into town. can i pick this up? the intention was good. >> creating jobs with a plan like this, breed of the humanitarian. >> under certain circumstances it could work. some of horrible idea, we need to do a little. melissa: a florida woman opted out of florida lotto pool because it and have cash on her butt but just to elect 12 of her co-workers $1 million. the best part, they're sharing

the winnings with her. they have not revealed how much. but after taxes each of them is going to be taking home a little more than 83 grand. what do you think? would you have shared? >> nice. >> it's not that much money. eighty-three. >> i would not share because she had the opportunity to buy the ticket and she didn't. >> see looks so sweet. >> the good advice they are. >> you can't judge a book by its cover. stories all the time about the people who don't share the money . there were not in the pool. it's so nice. >> hundred thousand. they cannot 17 grand.

>> its more than five bucks. melissa: every once in awhile and then mention concerned that changes the world for the better. they will have a built-in vacuum cleaner in their minivan. finally in easy way to clean up the mess. should they win the whole -- nobel prize for this one? at think it's pretty fabulous. >> tinkering with it in the past. the brilliant invention in the engineering that city with a dad melissa: obviously. >> i would think -- melissa: or a mom. are you sure it wasn't a female? >> like the other day driving. added that no. pullover over here. melissa: nothing could clear that up. >> or your vacuum. melissa: your car will smell like vomit forever.