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even when is it is not, it is always about money. ♪ cheryl: situation in syria coming down to the wire now. syria may be backing down. reports russia is working to broker a deal to hand over all of its chemical weapons to u.n. officials. we start with reaction on the ground in the middle east. live in jerusalem. what are you hearing, do you get a sense people are skeptical of this? >> israel's long push to take a firm stance on syria as everything is unfolding the past two or three weeks israelis have waited and watched and prepared for the worst in preparation of an attack from israel, from iran, from has blood.

israel took an unprecedented move moving the missile system to the outskirts of jerusalem for the first time ever the ire and dorm been moved to the city. they are smart as any city that the syrian more proposes to the region. they have already intervened in syria bombing the assad regime. when they feel their passing weapons in southern lebanon. today's announcement by the syrian government they're are wo transfer the chemical weapons they have to another country is really being viewed with skepticism here. israel do not trust anything the iranians, syrians or even the russian backers have to say on any matter in the middle east, so while there is skepticism, there's also some relief and happiness at least for the

immediate situation there seems to be some siding of the immediate fear of four. but skepticism this is going to end this. most capitals around the middle east feel this is just being postponed for a short while. melissa: thank you very much. so has everything been changed in syria for what seems like a hardline face-off? russia could go shoot a deal for syria to turn over all of its chemical weapons. it could be a major moment in the midst of this crisis saving u.s. money and american lives. a syrian expert and just released a study titled airpower options in syria. our "money" expert. i want to start with you, jeff. as somebody who has studied this terrain and the weapons syria has, how physically possible to think it is for somebody to go

in and gather the weapons together, know they have everything and get it in one place under u.n. control? >> in terms of chemical weapons capability, that is just not possible. the stockpiles themselves are dispersed, they are large and going after them solely with the use of air power would not be possible, requiring ground forces and even then may not be possible. what is more possible is striking the delivery mechanisms but even then they are so myriad ranging from air forces to missile forces to artillery. melissa: what we're talking about is going in and not trying to blow them up, but gather them, move them to another location. do you think that is possible? >> in terms of the latest proposal length reporter you turned to, i am deeply

skeptical. public relations move in the sense the syrian regime and russia after the fact declared they tried to bend over backwards to accommodate the americans and putin. >> this is a very serious time, not a time for humor but few things funnier than the prospect of blood may put an end assad teaming up to cooperate with united nations to deliver the stockpile. this is a transparent ploy to buy time. at the end of the timeline they will not turn anything over to the u.n., just more time to disperse the chemical weapons amongst the civilian population in syria. melissa: if you look at the timeline of events and how this possibly happen, sectarian states john kerry, i guess what would make this all go away is turn over the weapons and a sod is not about to do that.

maybe we will talk to them about a plan to turn over the weapons? welcome in this proposal. wait a second, there is a possibility. what do you think of that scenario, jeff? >> little opening today, that said the united states is saying that we are doing due diligence, i think we see it for what it is, a ploy. again, think this is a public relations move by the regime and by russia here. melissa: it is pretty clever because they say they are willing to do this, how does anybody proceed in the face of that? can you bomb someone who says we

have offered to hand over our weapons? how do you deliver that tactically? >> strategically the iranians and russians have been way ahead all along. this is a perfect example of how the russians are thinking long long-term to protect their clients in syria and we're thinking and acting short term. i served in the military for 20 years, but it is shameful to me the american body politic can't put together a better plan for how to deal with syria. clearly speaking off-the-cuff mentioning the united nations taking custody of the chemical weapons. they issued a clarification about 90 minutes after he spoke but the russians did not wait. they are in full force to exploit it, now another lover to keep us out of this. i understand everybody's skepticism on syria after coming to the conclusion it is almost inevitable the u.s. has to intervene.

it is just completely dysfunctional. melissa: that may be the case, but let's take the other side of the argument, we have already blown it. some saying in all this time as we have been posturing and talking and gesturing, they moved their chemical weapons to inside mosques, under school houses to places where they have human shields. we would have the blowup civilians to get at them anyway. we lost our chance to do anything. >> i don't think we lost our chance. by the assad regime moving their stockpiles and other weapons it gives us another opportunity to track them. i don't know if i would go quite that far, but i don't think the window has closed. the authorization is for degrading the regime chemical weapons capability but also

deterring future use of chemical weapons capability and you don't necessarily have to hit a narrow target to deter future use. you can hit of the things and frankly cannot move because they are fixed like airbases. melissa: thank you to both of you. >> thank you. melissa: next on "money," one coniston still planning to vote no. here to tell us what may change his mind. plus, more big news on the timeshare front. unprecedented steps on big implications for employees everywhere. for you. they will tell you what every worker needs to know. more "money" coming up. ♪ this man is about to be the millionth customer. would you mind if i go ahead of you? instead we had someone go ahead of him and win fiy thousand dollars. congratulations you are our one millionth customer.

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melissa: it is a very costly argument whether or not syria would cooperate to turn over its chemical weapons or to launch an attack. the congressman is not convinced a strike is the right move. congressman, do you believe

syria would turn over the chemical weapons? what do you think of this proposal? >> it is a fascinating thing to discuss, but it may be president obama has found an o out% and it will look like a political and diplomatic disaster for him so maybe this is their way out. melissa: we heard the chain of events and how it happened, it seemed like more of an accident than anything else. >> sometimes when you are lucky accidents happen and you grab and run with it. this white house was in real trouble here. their own political base is outraged as the holder of a nobel peace prize is basically wanting to go to war. we were lied to in benghazi. how this sort of comes together. see if it actually moves forward.

>> will there be an airstrike? >> you should expect everything. not necessarily for the government, but not only the player, you have other parties, other identity, you have to expect that. >> tommy by what you mean by expect everything. >> expect every action. >> including chemical warfare? >> that depends. if the terrorist indecision or any other group have it, it could happen, i don't know. melissa: nordland has been made.

backeback down from a bully yout more and more out of control. there have been people who have made the comparisons to hitler. it is extreme but when they say some of the comes out and so forceful about i will keep doing what i'm doing. >> there are a lot of moving parts. there has never been a military conflict like this ever where you and i write now can go on the internet and see videos of the fighting. we can actually read blogs analyzing the weapons and the photos. both sides are literally on twitter, so what happens when you have a military battle of a civil war being conducted on social media or the world. what happens is my constituents start: my office and say i spent two hours reading about what is really going on, i don't trust the rebels as much as i don't trust the regime. now we have a very informed

public for those who want to be informed. melissa: is there anything the president can come out and do? he is lobbying to go ahead with this action. is anything that would change your mind? >> first off if he could lay out what the future is, what is the endgame, what is the american interest. i can understand pride and wanting to beat up the bully. but what do we get out of it? on the seventh day or the eighth day, do they make fun of us? what do we get out of this? melissa: is there something he could say? it sounds like, is there an interest that would mean something to you? >> for many of us is the unintended consequences that are

the great worry. what happens to lebanon, what happens to jordan, we are very concerned. if the president will say we need more monitoring aid to help refugees in jordan and lebanon, he absolutely has my vote. if he wants poetry action, he has to come close to convincingly. melissa: we appreciate your time. coming up, first ibm, now time warner pushing retirees out of his health care plan to save cost. an easy out for big as is, but how soon will it be before you are out of luck? plus, it is like christmas eve. apple is set to unveil a couple new iphones tomorrow. we have one of apple's foremost experts to handicap the big event. can you ever have too much apple? ♪

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♪ melissa: another week, another company example of what we're all quite be facing with health care costs. time warner latest company moving retirees off the health plan onto private exchanges. is the writing on the wall? and what does it all really mean? welcome back to the show, let's get to it. if i am one of these people because there will be more and more of them, i find out i am being moved to a private exchange, what does that mean? >> before you would be on

employer's health plan. you're going to have to shop. you're going to have to pick from a menu of plans. you're going to get to find contributions, find the deductible you're willing to take, the network you want and pick. melissa: if i want the same coverage as i had before, i will be playing for it. >> we will make the same conditions we've always made. coverage will be comparable to what you had before, but a way for everybody to see what their cost will be going forward. employees will get more choice. melissa: i have a hard time believing that. they will save money. we applaud them for controlling costs, not a bad thing on this show, but it is hard for me to believe i will have the same health care.

>> ibm told employees that company to face the situation if they have runaway health care cost. melissa: costs are going to triple. is the voucher going to triple? >> have not filled out the details. in this environment where cost keep on going up and up and up, you want some predictability. most of us are in 401(k) instead of where we get a fixed amount of money. melissa: if you asked organized labor, they don't want to get off because you knew i was going to work for 20 years and retire for 40 years and always going to get the same amount of money and knew what i was getting. with a 401(k) we all contribute but if the stock market goes down, you are in trouble. it seems the individual person this may be more cost-effective

with a person consuming the product closerrto what the real price is, but it will cost me more. >> the big three automakers had goldplated pension benefits and now they cannot compete. we need a position to accept more responsibility, more choice. melissa: it seems pretty questionable timing when the october 1 the public exchanges are supposed to be ready to go. i cannot imagine they are really ready to go. >> they've already said th saidt some glitches. and lots of suppliers and insurance companies playing in this market and they want to bring similar tools employers looking to control costs.

melissa: always believe private does better than public. we need the public exchanges? >> that is a good question. the private exchanges should be better because they will not have the regulations, they can wrap other benefits like life insurance, dental insurance. one-stop shopping the way you might buy your phone and cable. melissa: anyway government will get involved in private exchanges for the people onto those instead? why don't we just give you a voucher for that. >> they are regulated and have a lot more flex ability designed coverage good for their employees. melissa: i need more information on this, can you come back? thank you so much. next on "money," they started brewing tea in their garage and they built a multimillion dollars giant.

now the founders have a new playbook on how to do it yourself and are here to tell us about their sweet secrets of success. and who made money today? stay tuned for the answer coming up. straight ahead. my mother made the best toffee in the world.

it's delicious. so now we've turned her toffee into a business.

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♪ melissa: no matter what time it is, "money" is always on the move. shares of pep boys taking a hit after hours. consumers are gobbling up new cars, but it may not be good isappointing secondarts retailer quarter earnings fueled by a decline in sales. pat boys also announced it has acquired 17 new locations in california this month, but investors are not so happy with the news. okay. so do you want the honest truth

about how to be successful? listen up, says goldman and barry nelda -- your my neighbor in a realize. i just fell in buried in the elevator. now you know. he started off brewing tea in there kitchen and turn that into a company they sold for more than $50 million. and for everyone out there like me who is dying to start their own business, these guys has written a virtual playbook on exactly how to do it. all the secrets of success and how you can follow in there footsteps, the honest tea cofounders themselves. i got the book. i love the book. what i love about it is -- really, we have it right there. cartoon style, which is fantastic and makes it easy to read, but it is very much your story of exactly how you did it in by size pieces we can all read and enjoy and understand and then you break out the exact lessons. before we get into the house of what the white. seth, you started out wanting to

change the world. you went into government, and it is charity. i read in the beginning something that made my heart sank. you think business can be a bigger agent of change in society than government and charity. >> that's right. it is profound. look at the health in the united states. we have backed company that ranks 40th in average life expectancy, even though we of the wealthiest country in the world. the government is not going to solve that. it is what we do and how we live and what we eat. so what honest tea is about and a lot of other companies are looking at creating not just healthy products among but delicious product that can really help change diets. melissa: what is a problem that government is trying to solve that you think the business could do better? >> well, if we could have 100 million, billion people drinking honest tea, the health benefits, less sugar. changes health care. melissa: does not just a commercial for honest tea. >> there are other products. melissa: of more food companies

went out there. if more food companies and an it would be a great business and also slimmed down kids. >> and healthy. melissa: i like that. what -- a lot of things in the book, a lot of times you guys got to a crossroad and it's something crazy that was unexpected. a lot of different points, or you did something where other people would have given up. what was the craziest thing that happened? >> i would say the craziest thing we ever did was writing a book which gave away all of our secrets. you think about corporate spies, they want to get the inside scoop the my recipes, business plan to marketing strategy. you don't have to spy on us. basically, we have given it all away. melissa: you have already done it and soldier company to coca-cola. >> the company. but it is our whole approach of business that we are sharing. not just that we want to share

that. we want others to copy it, not necessarily into the organic tea category, but across the business world. melissa: is there another category that you think would fit this mold perfectly? >> certainly if you look at the snack world, there are a lot of products where the help function could be better. a lot of snack foods taste great but are not necessarily helping our population than any health care. melissa: what is the biggest mistake. monday that there and do things. you have to study this problem forever. >> is somewhat paradoxical. the big mistake many companies make is taking on too much money. melissa: interesting. >> the problem is too much money can make a stupid you spend it as if it's not yours. melissa: is never enough. i may have to throw you off. he may have to go. >> when you make mistakes they end up being bigger and more costly mistakes.

when you need to raise money next summer stronghold. when you start off being a little bit more conservative about what you take can be the smarter way to. >> and as an investor you want the entrepreneur to spend the money like their spending in out of their own wallet. really making sure every decision can be justified. melissa: another thing that you say, a lot of people. franchise friday where people go out and think about growing the business for themselves. the taken idea that is already working which makes a lot of sense. this applies. one of the things to say is don't go into a business that you are only 50 percent passionate about. one of the great stories in the book was, did you when the business school press? >> that's right. melissa: for a diaper. a urinary tract infection test. and you were like, i'm not sure i want to do this for a living. it may be a genius idea, but you were like a might not want to be the face of this product. >> it was so clear when you're starting a business, you have to know that you will have worst financing and the competition,

worst distribution, worse cost. you have to believe in it more than a hundred percent. yet to be willing to get jeff flock in the morning and drive to the night and do all the extra things need to do so that passion, you can't just sort of care about it. you have to really believe in it. melissa: really quick, there is one problem he has run into again and again. it's something everyone can relate to. when you come up with an idea and people say to you, no, that's not the way it's done. there's a reason we don't do it that way. it doesn't sell. you can market it. we have all face that. there's a reason why this kind of thing doesn't sell and has not been done. audi no when the majority is right and you're crazy and when your idea is genius. aviano? >> i think the challenge here is when they're is a whole is a market is an opportunity our mistake. one way of telling is is there reason for this. in our case we are seeing the way people drink, they don't put the -- 10 teaspoons of sugar in

it. we were not trying to change what they did. you're trying to give them a product they already knew and loved. melissa: they already knew they wanted, it just did not exist in the bottle. >> bottle form. melissa: the two main questions at the beginning that you said that you have to -- >> you have to create a great product because no one is going to give you a shelf space. they are not saying a, please come. once you have succeeded but the question is, what happens, will you be copied? if your copy, will you still succeed. the second problem is the greaterrchallenge. melissa: it's a great book. i don't know if we have the pictures or you can see. it's all cartoons. if you are afraid, entertain then dazzle along the way. i also love the way at the end of the bay chapters and stuff you break out what is happening. it's very easy to follow. a great how to book that i highly recommend for anyone thinking about starting a business, and i know some many of you are. check it out. turning out a apple, which is

brewing up some big news of its own, lots of apple anticipation for the company's major event. trailing behind samsung and the smart phone more this year. could this announcement plant a seed for a comeback? here to break it all down, fortune magazine senior editor, fox news contributor, thank you for joining us. what do you think will be the big announcement tomorrow? >> well, we have come to know over the past two years or so that we tend to know what the big announcements will be. we expect that apple will announce another iphone, probably called the five s, and interestingly an inexpensive iphone, off on that is more accessible to developing markets especially china. i think those will be the big announcement. they already announced a mile away, they're going to update their mobile software, i.e. os seven, introduced something called itunes radio which you can think of as a pandora killer melissa: interesting. so let's talk about the phones real quick. there is the iphone 5s is

one thing. the iphone 5c, which that seems to stand for cheap. this is going to be the cheaper one. >> that is probably not their intention, but as good a shorthand is any. melissa: jeep and maybe china. the idea there will try to sell this and other markets. will americans even have access? >> i don't know the answer. we are speculating on something that has not been announced. there are inexpensive phones for the u.s. market, and i do not think that the idea is for them to go low and in the u.s. the idea is to go very high volume in a place like china which obviously has very high volume to offer. melissa: so how do you feel about this as the overall strategy? it is kind of the same thing. they came out with the ipad, which i love and have been a lot of people have bought. wow, this is great. it costs less and fits in my purse better. you probably did not say that, but it is in my messenger bag. the kind of cannibalize a lot of their own market.

i might have bought a regular if it was not for the miniature version. i wonder if by making cheaper phones, the cannibalizing their own business? >> two ways to look at this. apple has traditionally expensive things that they sell for a premium and make a very high margins on. they have never gone to the low end of the market. for example, computers, the mcintosh, the imax, mack books, never been cheaper. on the other hand, they went very low price on their ipod strategy early on. so they came out with the miniature and then the shuffle, which cost next to nothing. and what that did was created more users of apple products, made more people happy, got more people into itunes and drove people eventually to buy iphone some very expensive iphones. so it's not unprecedented for apple to be thinking about more people as opposed to a higher price. melissa: what do you think of the long-term outlook now? based upon this news.

this is kind of a barometer that we take at the end of the apple segment. how'd you feel about the company right now? given this light of things they have put out there and what may or may not be in the pipeline. >> sure. if everyone is anticipating about tomorrow is what happens then tomorrow won't say anything about the apple long-term outlook. that will be dictated exclusively by the next amazing mind blowing products that they introduce if it fails that will also use something about the long-term outlook. simply adding new phones are going with the streaming music service is not going to be the next leg up for this company. we should not expect them to have the next leg of three or four times a year. we should expect them to the have it one or two times a decade. melissa: thank you. we appreciate the preview. you're the best. >> my pleasure. melissa: next, who is really in charge, a major university

endowment? major pressure mounting for big schools to dump their dirty investments of fossil fuels. wait until you hear about the new positions created. it's all the word on wall street. we have the inside scoop. at the end of the day, it's all about "money." ♪ ♪

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♪ melissa: there's nothing new about students and alumni trying to cash in on the green energy debate telling schools what kind of investments are acceptable or not when it comes to hand down a donations. generally these funds are being managed by people who are better equipped than the students to the make, to make money. now seems my very own all moderate, however, is taking a new approach to help see more green.

we got the gossip from spencer jacobs. thank you for joining us. this is interesting. this is the debate that has been going on. some may schools and pension funds. this is always the big point of debate. we have the people at the university or the people saying, we should only be investing in green energy. i don't want to buy exxon. so this group said down and met with the governing board and city have to get that of the stocks. the board said number one, we actually may have a big endowment, but by selling stocks we don't make an impact from the company. we have a better chance of having an impact by being shareholders and going and saying something. they also said, we are in the business of trying to make money. this is how you do it. convincing argument? >> the third one is the key point. they're in the business of making money.

very well over the years. one of the better endowments. part of the lawyers do it is now being diversified by having a little bit of everything and being long-term investors. you don't do that by energies' about some%. a little more than 10% of u.s. stock market. a bigger portion of emerging markets. stock markets. we're going to invest in everything except is very large part of the investment universe. once you start excluding things to get to the point where there is not much left to invest in and do harm your returns. melissa: they sit down, the people controlling the money, that's a sweet you don't want said invest in these stocks. right to keep done what we do because we do is make money. we can affect the world better by turning out great research scientists and people who will find a solution. we need money in order to do that. we will make it through the stock market. and then lo and behold every this other article where it says that harvard is now actually hired of vice principal for sustainable investing.

they have added this person. and here she is. what do you think about this? >> if you are harvard university and manager of a $30 billion then you have the resources to put one more person on the barrel. the vp at a very large investment firm. she's going to study the issue. it would be much more costly to harm your investment returns by starting to exclude certain categories. there are a couple of things they exclude. they do not do tobacco which may have cost them over the years. they don't invest in any company that invests in sudan. as of the only two things they have agreed to, and it is unlikely they will agree to any more. this woman came from calpers, the largest public pension plan and the u.s. and i checked, about 10 percent of there investments in u.s. stocks are in energy. obviously. melissa: they have that issue. many people i've come to you're saying that this is a clever ruse perhaps.

i heard this woman to study the issue. there may not make any changes to be us the kids may be tree heading, but they're also pretty smart. >> for years. it's okay. there are people who will write to me and say, we have done the study and socially responsible investing in show that it adds to returns. they're people afflicted this issue and said, let's go back to in years and look at what a portfolio without fossil fuel stocks would have done. melissa: they don't care. they just say, we don't want our money in that. thank you. next on "money," eight to work too far. setting the internet on fire after raunchy vienna performance. did it just get her pulled from the cover of vogue? we have it all and "spare change." you can never have too much twerking -- i mean "money." that's when a man. ♪ [ tires screech ]

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♪ melissa: time for a little fun with "spare change." two of our favorites. thank you for doing this. >> hello. melissa: do you remember this, well, though editor, she reportedly decided that the vm8 performance of miley cyrus was in such poor taste she does not deserve for a planned december cover. so is this a good business decision? given how well scandals sell? i mean, what do you think? >> well, first of all, how stupid do you have to be to blow

of vogue cover? every woman's dream. landing the cover, that is such a huge deal. what maile cyrus did, yes, it got her never really -- notoriety and headlines and clicks on the internet. we heard four people. if you are there you have a certain brand. very elegant, upscale. what she did was not upscale at all. melissa: also very hip, and everyone is talking about her. wouldn't she sell a lot of magazines? isn't that what is all about? >> i guess. i just defer to you guys. quite frankly, you know, she is still in the press. this is a couple of weeks old, the story that does not die. i think that miley cyrus is probably winning in this angle. melissa: it seems like she must be because she also did this crazy thing where she was almost

in a german show and sing her song and surrounded herself -- look at this. i did not mean look at that, but she surrounded herself with a band full of little people. if you thought -- you know what, i will put that on you, good taste, bad taste. >> very kind of you. totally inconsistent with that brand and what and a winter represents, also has her own brand. very upscale. barry up market. just very down market. she's getting a lot of coverage. melissa: it's all sort of yak and i don't like that song. it feels like she is women. was the vogue cover, which we may be sad about, but she gets so much publicity. >> i would say that they youtube its she is probably getting far

exceed the sales, regardless of how popular it is. i would say that miley cyrus is winning. >> and she will get of the magazine covers like maxim, as a champ, more along the lines. melissa: it will be interesting to see how well that cover cells. up next, who made "money" today. $70 million by flying the white flag. the answer right after this. you could never have too much . i think you can have too much miley cyrus, but that is just me. ♪ my mantra? always go the. to treat my low testosterone, i did my research. my doctor and i went with axiron, the only underarm low t treatment. axiron can resre t levels to normal in about 2 weeks in most men. axiron is not for use in women or anyone younger than 18 or men with prostate or breast cancer. women, especially those who are or who may become pregnant and children should avoid contact where axiron is applied

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centurylink. your link to what's next. ♪ melissa: whether it's on wall street or main street, here is to mate kaj five today. carl icahn is a rendering his 6-month battle to stop tell from going private.

now expected to win. but still making a pretty penny. despite admitting defeat he reportedly made $70 million from his investment. not bad for essex month timeframe. also making "money," everyone who owns a delta air lines. officially began trading on the s&p 500 today. the institutional investors can now make up the part of their s&p 500 index funds. that is raising that a man that looked. as a result stocks soared more than 9 percent today. nice. and in scoring a job in north korea. dennis rodman announced it will be heading back to train the national basketball team, the 2016 olympics, obviously. offering run in the job. i kid you not. two exhibition games. former nba players. you really can't make this stuff up. that's all we have for you. i have been 85 today. we will see you back here tomorrow.

"the willis report" is next. ♪ ♪ gerri: hello, everybody. i'm gerri willis perry's tonight on "the willis report" your health care coverage is going to be a bumpy ride. >> no matter what you heard, if you like your doctor or health care plan you can keep it. gerri: no matter what you have heard, obamacare is making more companies dump their coverage. also, would you eat chicken nuggets from china? notorious for food safety problems. get ready? you are about to. and a's -- its money-saving monday. how to make a few hundred dollars on your of smart phone. we are watching out for you tonight on "the willis report." ♪