the subsequent sluggish recovery. a broad-based popularity of pawn shops is undeniable. lori: how to step up and fill the void. what he calls a poor man's bank. adam: was the nsa monitoring angela merkel's phone? lori: it will take a big effort to fix obamacare. you know him as tvs hercules. adam: first, we want to chat markets. nicole petallides. nicole: the s&p 500 record high

today. i am sorry, session highs for the s&p 500. i got excited. with that being said, you have the up arrow's. the s&p 500 up one third of 1% at the moment. let's talk about why we are seeing some of this optimism. let's take a look at ford. a new 52 week high. they came out with some good numbers. raising guidance going forward. that is good news. back to you. adam: thank you.

lori: one of the contractors behind the obamacare website says the website is being fixed and will be ready in time for january 1. richardson joins us with the very latest. >> they will not say exactly when this will be fixed. they did not have enough time to test it. there is just too many people logging on to the exchange and that is the root of the problem. >> there are thousands of website that handle volume far larger than what healthcare.gov

was faced with. >> surely the website was designed to handle more than 2000 users. >> they are not responsible for what i call the front door. rich: this hearing is about four hours old right now. there are a number of republicans who have signed a letter asking for kathleen sibelius resignation. lori: thank you, sir. adam: i can disclose the increased take.

he reiterated his call. the letter comes as girl icon released his letter. lori: john scully did not comment on a potential bid. he says he is a longtime fan of black area. adam: janet yellen will have to wait a little bit longer. the staff is still waiting to get paperwork from the white house. president obama nominated yellin to be the next federal reserve chair two weeks ago. because of the delay, the hearing will not take place until mid-november.

lori: the national pawnbrokers association estimates that there are now more than 10,000 pawnshops in the united states. our next guest says this is just another example of a lasting social change driven by the financial crisis. your interest of pawn shop trends. >> the growth that you mentioned really is dramatic. how many can you say have grown by 50%? lori: what is the statement on the broader economy? >> what are the most common pond items? it is not just things that you

think. it is a lot of electronics. it is not just a classic definition. clearly, it has moved a lot higher. lori: what does that say about the middle class and the challenges they are facing? you expected to grow because of that. >> job growth is really anemic. lori: the average loan is what? >> about $150,000. lori: what is your take on the fairness?

are pawn shop's being fair when they negotiate the value of that collateral item? >> they are an important part of the economy. it really is an important part of the economy. >> it can be as high as 48% a year. the typical loan only last for 30 or 35 days. they are getting access to capital that a traditional bank is not giving them. lori: people are getting their collateral back. we're talking about people needing money for a short period of time.

there is a whole range of reasons why people may need a little extra cash for a short period of time. when you go into a pawn shop tampon and i don't, it does not appear on your credit report. if you do not fail to come back and get it, it is securitized. lori: do you watch the pawn shop shows? >> yes. it is an interesting place to shop. it is a retail setting.

lori: it is so great to talk to you. thank you for joining us. adam: it has doubled since 2007. we will keep talking about the pawn shop economy. next, we will hear straight from the source. how the business has become a mainstream financial service. lori: the busiest day of the year for earnings reports. adam: hello chancellor merkel. it is me president obama. the white house doing its best to smooth over allegations. is it too late? ♪ (announcer) at scottrade, our clients trade and invest

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and ask if your heart is healthy enough for sexual activity. do not take cialis if you take nitrates for chest pain, as this may cause an unsafe drop in blood pressure. do not drink alcohol in excess with cialis. side effects may include headache, upset stomach, delayed backache or muscle ache. to avoid long-term injury, seek immediate medical help for an erection lasting more than 4 hours. if you have any sudden decrease or loss in hearing or vision, or if you have any allergic reactions such as rash, hives, swelling of the lips, tongue or throat, or difficulty breathing or swallowing, stop takg cialis and get medical help right away. ask your doctor about cialis for daily use and a 30-tablet free trial. adam: we will continue talking about the pawn shop economy. banks continue to tighten up their lending procedures. robbie within joins us.

10.5% of what is called the unbent. they are turning to pawnshops for short-term loans. are you seeing that at your shops? >> yes. absolutely. the numbers i have heard are pushing 30%. they have nowhere else to turn for short-term loans. the industry has become more of the mainstream.

adam: it is not as if, you are not lending money in a traditional way. there is collateral. >> it is relatively easy. there is no recourse whatsoever. it is pretty straightforward. it is kind of our niche. adam: some people criticize pawnshops because of the interest rate.

it can be as high as 240%. how do you respond? >> you have a $100 water bill. they will cut your water off. you come to us and you borrow $100. adam: i think you point it out very well. your business is just booming. i love the story. you have five stores and you expect to add five more? >> we have seven at the moment. we have ten franchises.

we are getting a lot of response. we are finding a lot of corporate people out of work. college educated people in the industry. that is a lot of our segment. adam: i would love to have you back on and talk about how this is booming. revenue will grow 6.3% by 2016. i think you are doing a lot better there. appreciate you being with us. >> thank you for having me. lori: let's get you updated on the markets. mark newton. is there still some noise considering the government

shutdown? >> i think the market is showing increasing signs of slowing a bit. it has been one heck of a move. it was somewhat disappointing. one of the biggest negatives was 2009. equities have been somewhat resilient. still pretty strong today. lori: thank you for summing it up for us. mark newton. adam: the red flags just weeping for a much anticipated audit. lori: new reality on retirement.

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>> 21 minutes past the hour right now. president obama is calling on congress to finish an immigration bill by the end of the year. that may be difficult given the strong opposition from republicans. ellis island will reopen to the public on monday, october 28 for the first time since hurricane sandy. when hurricane sandy hit new york last year, ellis island was left completely underwater. the boston red sox taking an early lead in the 2013 world series. the cardinals have a chance to tie it up. the second game takes place

tonight. you can watch it on your local fox station. those are your news headlines. back to lori. lori: thank you so much. hope you are comfortable at your desk. you may be there for a while. paying the monthly bills are the highest priority. saving and paying the bills is not possible. many say they will have to work until they are at least 80 years old. adam: what would happen if the second largest economy should tank. with more on that story, we have

jo ling kent. >> they have been planning a much anticipated countrywide audit. local authorities have been allowed to roll over their debt with short-term borrowing. it is up 125% in 2008. considering how chinese gdp has slowed, they are up 19% in september. we could be looking at a huge bailout situation. this situation could hurt some of your major investments. >> how you are affected by a slowdown in china really depends on where you stand relative to

china. if you are feeding into china's investment boom, then any kind of slowdown towards a more consumer driven economy will hate you very hard. >> analysts say watch the interbank lending rate. it lost nearly .9% today after another rise in that rate dropped back fears. the bottom line here for american investors in china, look beyond the gdp numbers that we see. if you consider your investments, beware of what the banks are doing.

lori: germany calling america's ambassador over spying allegations. adam: peter brooks is here next. ♪ [ male announcer ] once, there was a man who found a magic seashell. it told him what was happening on the tradg floor in real time. ♪ the shell brought him great fame. ♪ but then, one day, he noticed that everybody could have a magic seashell. [ indistinct talking ] [ male announcer ] right there in their trading platform. ♪ [ indistinct talking continues ] [ male announcer ] so the magic shell went back to being a...shell.

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adam: so we check markets for you every 15 minutes. nicole petallides is doing that for us at the floor of the new york stock exchange. nicole? >> always a pleasure to check the markets particularly for those bulls out there, right? 401(k)s, iras, you're doing well. dow jones is up 90 points. sitting right around session

highs. i want to bring you over here to where goldman sachs trades here on the floor of the new york stock exchange. goldman sachs today up 1 1/2% at $160.10 a share. we're watching goldman closely on an upgrade from deutsche bank, raising goldman to a buy from a hold. they lifted their price target up to $111. despite the fact that there parts of goldman's earnings were a bit of a disappointment they say, hey, that won't last. it is 160 and they think it is heading up to 181. that is the latest on the floor of the stock exchange. back to you. lori: thanks. adam: nicole. on the latest developments on the alleged spying of angela merkel's phone. the white house is coming under pressure as the u.s. ambassador to germany was summoned to the foreign ministry this morning. >> we have direct communications through diplomatic channels at the highest level and other levels with our very close

allies in germany and the united states greatly values our close cooperation with germany on a broad range of shared security challenges and as the president has said the united states is reviewing the way we gather intelligence. lori: peter brookes is former deputy assistant secretary of defense under president george w. bush and heritage foundation senior fellow for national security affairs and we are pleased to welcome him to our show this afternoon. >> thanks for having me. lori: to your understanding was the u.s. specifically spying on angela merkel for a specific purpose, or is this just part of a broader protocol how the u.s. goes about gathering its intelligence? >> well, lori, first thing we don't know this is true. the, this came out in a magazine, "der spiegel." they don't provide any sourcing. my sense it probably came from edward snowden. this is an allegation that the germans are making. i'm not saying it is base countless. it came out of a german

magazine. not like we've seen power point slides that edward snowden is passing out to journalistic outfits. we don't have any prove of this. that said, countries spy on one another. now jay carney is saying, the spokesman at the white house is saying that we're not doing it and we won't do it. he is not saying he didn't do it in the past. but the fact is, even friend spy on one another. it is unseemly and germans certainly have a right to show they're upset but germans also have intelligence organizations that conduct espionage as well. adam: kind lik scene in casablanca. i'm shocked to fine gambling and you're winning sir. >> that's right. adam: we assume they're spying on us. i assume or most people would assume we also spy on our closest ally the united kingdom but the at end of the day, these kinds of stories, whether true or not, continue to diminish our reputation in places like france, germany, the united kingdom worldwide and that pose

as problem going forward for intelligence-gathering, doesn't it? >> it is not very helpful to our diplomatic effort. adam it ranks right up there with wikileaks, right? perhaps even more damaging. i think the obama administration wishes they had been more assertive in trying to prevent edward snowden's escape from hong kong when he surfaced there, depending upon the russians and the chinese. if this is from him and i sense it might be even though "der spiegel" hasn't told us exactly where it came from, yeah, this is not helpful at all. lori: so how disorganized then is u.s. intelligence gathering? you have the edward snowden situation. just this week the white house had to fire that national security insider, right, for sending out the anonymous, nasty, almost misogynistic tweets, right? how do you clean it up in there? >> we, you have to hire the right sort of people. and you know, sometimes there are people who do slip through the cracks unfortunately. i mean we all make judgments and we all are prone to human

frailties and misjudgments that accompany that. very critical. it shows once again how critical it is to protect your national security. and how these leaks can damage, not only your national security but your national interests. adam: peter talk about a national interests very quickly, economic interests. we saw the leader of brazil cancel a trip to the united states because of this kind of thing. germany, we're negotiating a trade agreement with them. does this really stop those kind of agreements going forward or just delay them? >> i don't think the germans are going to end their investment in the united states. i think they're one of the top five investors in the united states. they have a volkswagen plant and a steel plant here. we're, our transatlantic trade is huge. we invest a lot in germany. i don't think that's going to change and they have to show pique. that is not only for the international audience but the domestic audience. remember, that angela merkel came out of east germany a country that labored under

natasi who kept files on everybody. they have sensitivity about intelligence. tough limit your hypocrisy sometimes too, right. lori: great perspective. peter brookes, thank you so much for joining us. adam: thanks, peter. >> thanks for having me. adam: morgan stanley with the upper hand over goldman? you heard that right. fox business senior correspondent charlie gasparino has the scoop you don't want to miss. lori: this is the busiest day of the year for earnings. we have david lutz up next on that. conclusions he is drawing from more than 350 companies reporting results today. ♪

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>> i'm dennis kneale with your fox business brief. stocks are extending gains as investors look over upbeat earnings report from some big corporate names. dow industrials up 88 points at 15,502. twitter moving ahead with the eagerly anticipated ipo. they told "the wall street journal" twitter plans to set a price range for the stock in a day or two and could price the entire deal early next month. wall street reacting to economic news. initial job countless claims came in higher than expected with the latest report showing 350,000 people filed for first-time benefits last week. that is 10,000 more than

forecast, down from the prior week revised upward to 62-k. trade deficit widened to $38.8 billion. came in lower than the 39.5 estimate. that is the latest from fox biz, giving you the power to prosper.

adam: so morgan stanley has achieved another important milestone in its bid to replace goldman sachs as the prime investment bank. charlie gasparino will tell us about this in one second. first you had a cameo on a very popular comedy show and about jamie dimon. >> jon stewart, i guess he likes my stuff. he watches me. i said nice things about jamie dimon and jon stewart took a little offense. i want jon to know i changed my opinion on jamie dimon he is a crook, you're absolutely right. rape and pillage jpmorgan to death. i'm on your side, jon. i agree with you 100%.

jamie dimon is worse than stalin, i don't know, think of some bad guys, bernie madoff. jamie dimon is bernie madoff. adam: miley cyrus. >> after watching, what is it called, "the daily show", now i believe jamie dimon is equal to bernie madoff. so i'm not going to say anything nice. adam: we could talk maybe if there is time afterward about jpmorgan chase, the bank having serious issues. >> absolutely. adam: criminal investigations about the link to madoff. >> something you broke. adam: no statement from the bank. it was laid out in the book, that they had an idea he was involved in the ponzi scheme. >> we wrote last week how james gorman was talking around, we reported like they would be better than goldman. their earnings were better than goldman. a good call on our part, if you were an investor you made money. we reported this on thursday. james gorman is feeling pretty good these days not just earnings but a key measurement of risk management.

it is called credit default swaps? ever hear of those things? they are insurance contracts on debt. lori: credit default stops? adam: ticking time bomb. lori: i'm all the way over here, charlie, feet away. >> if trade high, people are buying them. that means people think your debt, your debt has greater chance of being defaulted on. if they trade low, that means there is a less chance. since 2008 morgan stanley's credit default swaps trade ad lot higher than goldman's this week. key measurement, this week, those credit default swaps have evened up. with morgan stanley, yesterday, from what i recall from traders, what trade remembers telling us their credit default swaps are trading below goldman. what does that mean? that means two things. number one, goldman sachs is considered a riskier firm. they're taking more risk in the market. their business model is considered morris can i. number two, it means quite clearly that morgan stanley is now getting extra points. that is where they are today. morgan stanley's below goldman's

yesterday. clearly means that the market is saying that gorman deserves credit for risk management, that his risk management ability, that was yesterday, about the financial crisis which was off the charts. like 1300, morgan stanley. and something like 400 goldman sachs. but it means that, that gorman is now getting credit for being a better risk manager, then, let me make this point, the premier risk management firm in the country which has always been goldman sachs. adam: but two things here. morgan stanley, this is before mr. gorman was ceo, you know they have never been held accountable for their role in the selling, securitizing of mortgage-backed securities and they were a big player. i mean at beginning of it. >> one of the things that is problematic with i think, when you know something, maybe jon stewart should talk to his brother. jon stewart's brother workers for new york stock exchange. adam: goldman sachs gets beat up for their role but morgan stanley hasn't been beaten up and they played a

role. >> larry leibowitz, jon stewart's last name is leibowitz. larry leibowitz is good friend of mine works at new york stock exchange. he would tell jon this, biggest players in securitizing mortgages was not morgan. citigroup, which every democrat in the world fines, earns $8 million for three seconds work. adam: reuben never returned his investment. >> jack lew spend 30 seconds there and gets an eight million dollar payment. maybe jon should do a segment on that. when you talk about, what makes sort of jpmorgan speckel, such a speckel is that they weren't a prime player in that crummy market that ripped off the american people. adam: they bought it through bear stearns. >> that's what happened. citigroup, run by democrats, jack lew. adam: robert reuben. >> all up and down, they were major player. merrill lynch -- adam: robert reuben has never done an interview about his role as risk assessment at citi.

>> i spoke with him at that time the time. he said he wasn't involved in the risk assessment. adam: why did he get paid 120 million. >> why were you a board member. that was my point to him. he couldn't answer that question. you think i will make stewart again? lori: i think you will be creamed on stewart again. >> jon, put me on the show. i will go toe-to-toe with you. lori: get to the markets. adam: rare to make her speech countless. got to tell you. >> i'm no dummy. nicole is at her post and good day for homebuilders. >> i will stick with the homebuilders, lori and adam. that may be my best bet at the moment. when you look at pulte, you can see pulte group, they talked about the current environment and gave a great outlook. this is why you see the stock up 6.3%, at $17.74 a share. they said the slowdown in new home orders would actually be short lived. and that there is a multiyear housing recovery that will be

sustained and underway. and the whole group is doing so well. so pulte group is up 6%. the other names like lennar, 2%, horton, up 2%. kb home up 3%. back to you. lori: nicole, thank you. adam: making it the busiest earnings day of the year so far. of the 76% of firms that have already reported have beat earnings estimates but are next guest admits the bar was set pretty low. david lutz is a managing director and he joins us now to talk about this. david, thank you very much for joining us. very quickly, there's something in these earnings reports we've already gotten that you pointed out. i want to ask you to put it in perspective. 52% of those already reported have exceeded their sales expectations which means 48% have not. that would be troubling to me. that seems that number has been growing, revenue is being missed. >> absolutely but i think the one thing you need to recall is

what you touched on right at the top, as far as where has the bar been set? last few quarters we've been watching earnings expectations bar set lower and lower. this quarter i want to say negative preannouncements were almost three to one the positive preannouncements coming into this earnings season. so expectations were quite low and i think a lot of investors were waiting for some kind of dialogue what was going on or happening in washington, d.c. a big spike-up in rates as far as good excuses for slowdowns ahead but so far a lot of the outlook seems pretty upbeat and that is why the market is reacting the way it is. adam: you point out telecom and materials doing very well, best performing sectors where utilities, forget it, not doing well at all. why is this happening, and i'm thinking about at&t, they missed on revenue? >> materials has flat-out been the hottest sector. they have been averaging 15% beat rate right now over eps projections whereas utilities is one of the worst rates. still beating by 1% but not as

significant as materials. both materials and telecom are benefiting from the no taper trade much we're getting more and more projections pushed out when we could actually see tapering from the federal reserve. so that is driving yields down as far as 10-year government paper is concerned making a lot of dividend paying sectors like the telecom sector a heck of a lot more attractive and keeping investors very attuned to the weakening dollar. two year lows right now. that is great for a lot of material stocks that rely on commodity prices. adam: let me ask you real quick. no taper trade, sounds like fancy way of saying bubble. we won't talk about that yet. i want to ask you. you're looking forward. you expect consumer stocks to perform well toward the end. year. you expect consumers to pick up on the holiday shopping despite negative reports we're getting about consumers pulling back. why are you optimistic? i pulled macy's year-to-date is up 14%, 52-week up 11%. walmart up 1%.

target, 58%. doesn't look so optimist take me? >> we have a very large negative bias going end of the year with a lot of hedge funds and mutual fund on the street. as far as how week they think the holiday shopping period is going to be for a variety of reasons that you mentioned. whether it is tapering, concerns out of d.c., higher rates. there are a tailwind we're sighing forming here. first of all, amazon raising their bar from free shipping from 25 to $35. that is telling you they're starting to see an acceleration of shipments. fedex came out said shipments are up 11% year-over-year this holiday season, making it their strongest holiday season ever. i think the big catalyst is gasoline prices. gasoline prices deteriorating rapidly in the united states. first oil prices are coming down. second because our ethanol policy is starting to get rejiggered. a lot of refiners were building in extra costs for u.s. consumers at pumps. so that is getting alleviated we're starting to see it. this is big tailwind for the

consumer coming into the holiday season. adam: i'm glad you pointed out the fact that gasoline dropped in price. that helps people. fedex, 11% increase in shipping. ups hit a new 52-week high today. we'll get their numbers at 7:45 tomorrow. it will be interesting to see what they're predicting for the holiday. always a pleasure, david. >> thanks for having me. lori: back to obamacare. where are the hollywood celebs who were gung-ho for the legislation before they saw that rollout disaster? our next guest isn't saying silent on this one. the man, the myth, the hercules. actor kevin sorbo coming up. it's a growing trend in business:

do more wi less with less energy.hp is he. soon, the world's most intelligent servers, designed by hp, will give ups over twice the performance, using forty percent less energy. multiply that across over a thousand locations, and they'll provide the same benefit to the environment as over 60,000 trees. that's a trend we can all get behind.

lori: hollywood coming out in droves to support obamacare, big names like oprah winfrey, musicians john above very and john legend, actresses amy pohler, alyssa milano all hyped the push to get covered. now that the disasterous website has launched we're not hearing too much. actor kevin sorbo, you know him from the tv show, hercules, the legendary journeys. he is not staying silent. >> thank you. lori: i saw you shooting "red eye." why are so many celebrities piling in. >> ever since the '60s big shift from hollywood, go to conservative crowd they used to be to far left. lori: that is interesting. >> i'm like dennis miller. i grew up in minnesota, with waller mondale and humphrey, that party left me. the i stayed where i was. values my dad taught me as public school teacher work hard, don't expect any handouts that came from my father. lori: you're unique in that situation. has it affected your work?

>> of course it does. hollywood is tolerance only if you have tolerance what you do and say. freedom of speech, they will fight to the living end of that only once again if you agree with what they say. lori: they're shooting two new hercules movies? >> we called. maybe because i'm an independent voter and not as far left. lori: you are busy. >> i'm very busy. i have a movie came out called, "storm rider." wonderful family movie. i have a book came out from chicken soup and the soul for 7 to 12-year-olds. check it out. latest one came out. lori: this obamacare rollout, what is your overall thought on it? let's face it, look this is something that you don't necessarily need. >> that is just the thing. lori: people you work for. >> president obama has got hollywood in his back pocket. they will support anything he does. reality of hollywood, none of them are under the care. it will not affect them any way whatsoever. i don't begrudge them boeing out and voicing their opinions, voicing like that. i wish they wouldn't begrudge me

voicing mine. when 31, you have 30% of the people, or around 31% thought everything was fine. who are these 31%? lori: exactly. >> doesn't make any sense to me. should be 100% people say this is fiasco and not working. >> kevin, you can't deny the fact that republicans are having hard time embracing new media and social media. >> yes. lori: outrage, mitt romney talking about binders full of woman. that could have backfired the whole campaign of itself. what do republicans need to do more. >> they need to get a spine. they need to get a spine. look at tapes of ronald reagan see what that man said. ronald reagan put this country on a great path for 20 years. bill clinton benefited from that. clinton was a great president. i voted for clinton. i vote with my head. i look at people, i don't vote with emotion or ainge other hate or kumbayah, john lennon's world, imagine. i want who will be best to run the country. that is what they need to do the republican party needs a spine. they need to grow up and start speaking with a voice.

not worry about catering to getting votes. the votes will come if they stick to their guns. lori: kevin, thanks for coming in. >> kevinsorbo. net. check it out. lori: thank you, kevin. >> thanks. adam: promises that the obamacare web site will be fixed eventually and people will enroll eventually, on time. whose head should roll for all the problems? your tweet responses straight ahead with tracy byrnes and ashley webster as they take you through next hour of "markets now", eventually. [ male announcer ] how do you get your boce?

i'm, like, totally not down with change. but i had to change to bounce dryer bars. one bar freshens more loads than these two bottles. i am so gonna tell everyone. [ male announcer ] how do you get your bounce? [ woman ] time for change! ashley: welcome back, everybody. i'm ashley webster. tracy: and i'm tracy byrnes. billionaire activist investor carl icahn cores apple with a new tactic to stir things up. the website pushing the company to buy back more shares. liz macdonald is here whether it is working or not. ashley: new promises that the obama website will be fixed allowing people to actually enroll on time but our twitter

question to you, whose head should roll for these problems? give us a tweet. your responses are ahead. tracy: everybody knows that girl's face now, right. new battle on the government war on banks. there are rules that require them to hold more assets. we have the former chairman of wells fargo here to react. ashley: in tech minute, let there be light. sidewalks that store solar energy during the day to light your way home at night. if you had a little too much to drink it is going to help. that and zoo much more ahead on this bright hour of "markets now." tracy: i think it is brilliant. ashley: show me the way home. tracy: dow almost at session highs. up almost 90 points. nicole petallides on floor of the stock exchange. the bulls, they are a running, nicole. >> looking pretty good, tracy, ashley, as we see major market averages with up arrows. dow jones industrials up more than half of one percent. 88 points to the upside at

15,500. the s&p 500 gaining 1:00 quarter of 1% after setting records recently. news abroad from china particular, good economics there and that boosted sentiment and coupled with earnings that were very good. let's get to ford and see how ford is faring today. we know that ceo alan mulally won't deny contact with microsoft but certainly seems like he is planning to stay at the company. the stock is now up 1.6%. it hit a 52-week high of 18.02. they certainly continue to see growth here and abroad before the ford focus, f-series helps them move along. it is up this year, outpacing general motors. back to you. ashley: nicole, thank you very much. carl icahn threatening a proxy fight at apple to get the tech giant to do a bigger buyback but apple may just ignore their billionaire activist investor. liz macdonald joins us with

her bottom line. okay, explain the latest in this saga. >> it's a big saga. essentially what we're seeing is he is sending a letter to tim cook and let's look at his strategy. he is saying apple is drastically undervalued when you back out its cash. he says trading nine times cash. he wants 150 billion-dollars stock buyback. that would increase immediately earnings per share by 33%. this is the same strategy david einhorn already talking about early in the year. appleby the way is borrowing, 17 billion to do the 60 billion-dollar stock buyback underway and returning 150 million in dividends. carl icahn owns 0.7% share. threatening to buy more shares. last time he threaten ad proxy fight, didn't work out with dell. mixed results at yahoo! mixed results of oshkosh. he had to back down with the proxy fight at oshkosh.

ashley: what could apple do? do they ignore it? >> i think they ignore it. bill gross at pimco, really blasted carl icahn. you know what carl icahn, leave apple alone. should be more like bill gates, spend more time helping people and not yourself. tracy: lizzie, you and i both know, share buyback is accounting trickery. >> yeah it is. tracy: it is same thing at the end of the day. >> you know what the other thing that's a good point you make. apple need that money. tracy: yeah. >> it needs the cashing because it is expanding in china. it is getting blasted by critics on wall street for doing constant upgrade and doesn't really have a good, feeling on wall street, the pipeline is running a little bit dry of the we know apple tv is coming but upgrades of products into infinity you can't do forever, right? so it needs the cash. ashley: icahn's argument is if you sit on the massive pile of cash at least do something for investors and provide more buyback of the shares to give them more value. >> he is saying you could borrow in the bond market at 2.3%.

i get what he is saying. tracy: if they have the cash why go there, why do it? >> already returning 100 billion to shareholders, right. he is saying what, $50 billion more on top of that? it will be a protracted battle. he could steadily increase shares and see a proxy fight he is threatening. mixed results with proxy fights with big companies. tends to win them more with little companies. tracy: he is bullying. ashley: he needs to go on vacation, doesn't he? >> or listen to bill gross. tracy: listen to bill gross, better yet. ashley: thank you very much. >> sure. tracy: so our twitter question to you today, whose head should real over the problems with the obamacare website? tweet us your responses. we'll talk about them coming up. we ask the question as congress is trying to get to the bottom of it all, apparently not so easily. rich edson joins us live from capitol hill. where does it stand, rich? >> good afternoon and we finally have some numbers from the administration here. the centers for medicare and medicaid studies say 700,000

have applied through the online exchanges. they say they're still going through that data and 1.6 million people have at very least called that 1-hundred phone -- 1-800 phone number to get health insurance. there are still major problems that congress is looking into today. four federal contractors are responsible for putting together the main federal one. for the most part they blamed one another and changing and the administration for changing aspects of the exchange 10 days. and one contractor acknowledged he was even unsuccessful using the exchange. >> mr. slavitt did you personally try to get on the system? >> yes, i did. >> to what state. >> i put in texas. i'm not but testing the system. >> did i did it work. i logged on to create an account. was able to do so. i just never received a confirmation email. >> so it didn't work. >> didn't work.

>> now they asked the lead contractor how long it was going to take to fix the problems. they said they wouldn't even bother ventureing a guess on that one. this came in last couple minutes. we had a number of red state democrats especially ask the administration to delay the individual mandate, that requirement nearly everybody in the country have health insurance next year. kay hagen, senator from north carolina, she now supports a delay. she joins several other democrats in the u.s. senate who are calling for delay. one note on this, there is some skepticism out there this could be done and improve the current system, that there is actually a move now amongst some, some are suggesting that they should throw the whole website out and start from scratch. one of the contractors said, rewriting five million lines of code, that 300 of their code whiters and technicians would likely walk out if they were asked to do so. tracy: you're so right about that. thank you, sir. >> thanks. ashley: the fed unveiling a plan calling on big banks to beef up assets in case of another

financial crisis, liquid assets. the new regs will be tougher than the international standards. of course this comes at a time when banks are facing more government probes and record settlements over their mortgage dealings in the run-up to the financial crisis. there is nobody better to talk about all of this than a former wells fargo chairman and ceo. dick, thank you again for joining us. we really appreciate it. let me begin there with these fed rules that are being proposed on, you know, having to beef up the liquid assets of major banks in this country. is that needed? and i kind of think of it like the tsa, it makes us feel better but does it really account for anything? what do you think? >> no, it is very, very important. if you go back to bank failures, most banks fail not because of inadequate capital but inadequate liquidity. so it is a very important element and especially with large companies who have maybe up to a trillion dollars in assets that are mostly

wholesale-funded and therefore dependent on the capital markets. those companies in particular need to have adequate liquidity plans. they did not have those in 2008 when the crisis occurred. their primary regulator, the sec did not make sure they had them and that's why many of them failed and most of them nearly failed. commercial banks on other hand are funded by customer deposits. those are much more stable and have less risk of liquidity issues. ashley: do the regulations go further than basal iii, the init international standards, does it put american banks at any disadvantage? >> this is a balance, and you're correct, you can go too far. let's say you have treasury bills on your balance sheet, those are assets that have no value in terms of the economy. they're not producing jobs. they're not helping customers grow. only loans do that. so you have to have a proper balance and you can't go too far. it appears that even though these are more stringent

standard international banks, that all the major banks at least today would still qualify and, and would be able to meet those requirements today. ashley: right. >> the new requirements today. so hopefully they are balanced. one other thing that is important though, there seems to be this stigma that the fed should never intervene, should never provide liquidity to the markets. that's a big mistake. the reason we created the federal reserve is that in times of crisis they must be the lender of last resort. so we should not have so much liquidity that the fed is never needed because that would be a huge tax on economic growth and it would be a very bad idea for employment. ashley: dick, i wanted to get your thoughts on all the government protection that are going on and these massive settlements. jpmorgan, bank of america, yesterday was found guilty by a jury. often in the case where the big banks took over other institutions that had all these bad mortgages on their books,

with a gun at their head by the government. what is your thought on all of this? >> well, i think it's a huge mistake. not only do i think it is a mistake, two heads of the, former heads of the fdic, sheila bair, joe isaacs thinks it is a mistake. ion barney frank, a liberal democrat thinks it is a mistake. you're asking people to rescue troubled institutions and five years later you sue them for the misdeeds of the very institutions you asked them to rescue. it's a huge mistake. i don't know why anyone will buy a troubled institution in the future without assurances from the government. it will be very difficult to get those assurances because you usually want to rescue these companies over a weekend. you can't get anybody in the government to agree on anything over a weekend. it's a huge mistake. it is grandstanding. i don't understand why it is being done. ashley: we could talk so long about this. we're already out of time. thanks so much for joining us. we really appreciate it. >> my pleasure.

tracy: okay. so a little dressing down for the u.s. ambassador to germany overcharges the u.s. tapped chancellor angela merkel's cell phone. we talk with an intelligence insider ahead. ashley: the sec about to loosen rules on crowd funding but one entrepreneur who financed her business that way is questioning the changes. tracy: hmmm. google in china trying to kill another competitor, spotify? we'll tell you ahead in our tech minute. this time of day look how oil is trading. this morning crude dropped below $96 a barrel for the first time since june 27th. a little happy dance going on in the car today, whoo-hoo. dow is up 87 points. we'll be right back. when we made our commitment to the gulf, bp had two big goals:

help the gulf recover and learn from what happened so we could be a better, safer energy company. i can tell you - safety is at the heart of everything we do. we've added cutting-edge technology, like a new deepwater well cap and a state-of-the-art monitoring center, whe experts watch over all drilling activity twenty-four-seven. and we're sharing what we've learned, so we can all produce energy more safely. our commitment has never been stronger.

ashley: it is coming up to quarter past the hour. time to check on these markets. we're flirting with highs of the day. nicole petallides on the floor of the new york stock exchange. watching xerox, nicole. >> whatever it is and we're all watching xerox right now, and xerox is down substantially, down about 11% at the moment,

$9.56 a share. when you think of xerox you may think of printers and copiers but they actually in the latest earnings report showed some weakness and that is because of restructuring they have been doing. they have been trying to move into services such as i.t. outsourcing and other areas, not just printers and copiers anymore. with that move that hit their numbers to a certain extent. they forecast earnings that will be below the analyst estimates. today down 11%. this year, xerox a winner, up over 40%. back to you. ashley: nicole, thank you very much. we'll check back with you in 15 minutes. from the nyse to the nasdaq, keep it here on fox business with liz claman's exclusive interview with nasdaq ceo, robert greifeld on "after the bell" coming up at 4:00 p.m. eastern. do not miss that. tracy: okay, so as ricky would say to lucy, you have some explaining to do. i did that pretty good, right? ashley: not bad. tracy: the ambassador of germany got a dressing down from

germany's foreign minister. this follows charges that the nsa tapped angela merkel's cell phone. white house spokesman jay carney would not be pinned down on whether merkel's phone may have been monitored in the past. >> we are not going to comment publicly on ever specified alleged intelligence activity. as a matter of policy we made clear that the united states gathers foreign intelligence of the type gathered by all nations. as i mentioned yesterday the president spoke with chancellor merkel, reassured her the united states is not and will not monitor the chancellor's communications. tracy: hmmm. joining us former executive director of president reagan's foreign intelligence board, gary schmidt, now with the american enterprise institute. so is he basically admitting, yeah we tapped her phone? >> certainly seems that way. they were very careful not to talk about past practices. so the promises about what is going foreward and so in all likelihood they were implicitly

admitting they had in fact listened in on their conversations. tracy: yeah. what you're saying even if they did they didn't really break any laws, right? this is unfortunately what everybody does to each other? >> no, this is sort of very similar to the lines in casablanca where the french police chief says, i'm shocked at rick's. allies spy on allies. this is a common practice, so nobody's really, really surprised. tracy: you make a great point though because do the benefits of spying outweigh the consequences of getting caught? i guess in a perfect world we shouldn't have been caught, right? >> yeah. i mean look, the biggest problem is, there is always a reason to do the spying. germany's a major country. its decisions, what the changes lore thinks matters to american security interests, american economic interests. so, there's a reason why the spying is going on. on the other hand, you always have to ask yourself, look if we

get caught, how embarrassing will this be? how complicated will it make relations and the like? it is really a matter of judgment. without knowing exactly what they got, one would have to sort of say, did they make the right decision or not? tracy: right because, you know, it almost seems contradictory, right, if we're allies, we're friends, i shouldn't have to spy on you. we should be sim pat co. that is not how it works. >> germans are involved in negotiations with iran about the nuclear program and probably pretty helpful to the president to know exactly what the germans are thinking. on the other hand it is not that hard to find out what the germans are thinking. certainly like in the united states the big policy issues are debated pub pickly. it is not as though there will be any huge strategic surprises. >> gary, do you worry like this maybe did damage to our relationship though with germany? they're kind of like, we had a handful of friend left out there

and they're one of them? >> well, there's two levels of this one is politicians will react and so the germans and europeanss could impose new restrictions on internet use which would make it more difficult for to us collect intelligence. so that's a difficulty. and but second thing is the germans know full well the government that is, no full well that much of the intelligence they need for countering terrorism in germany comes from the united states. and so there's a little bit of don't bite the hand that feeds you. tracy: yep. >> in this regard. tracy: yep, there sure is. gary, thanks for taking the time to give us some insight, sir. >> you're welcome. take care. ashley: so we all do it basically. you know. tracy: i mean he's right. this is what you do. >> just the world we live in. tracy: yeah, unfortunately. how about this for a story? she financed her business through crowd funding.

we get her thoughts on the new sec rules designed to open up the process for the little guy. we'll talk to the cofounder next, nature me. ashley: further tour me. tracy: nurture me there you go. ashley: we look at the big win for boston in your fox news minute. before we head out to break let's see how the u.s. dollar is moving generally today. these currencies are moving higher except the canadian dollar, euro, pound, peso, yen, all stronger against the dollar today. we'll be right back. it's a growing trend in business:

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>> 24 minutes past the hour right now. hi, everybody, i'm jamie colby. this is your fox news minute. president obama is calling on congress to finish an immigration bill by the end of the year and that might be difficult given strong opposition from republicans. the president said congress has enough time to finish the bill by year's end. well the new attorney for kennedy cousin michael skakel hopes to file a motion to get him out on bail now that skakel has been grant ad new trial by a connecticut judge. the reason? his old attorney failed to adequately rep send him the judge found when he was convicted in 2000 two of killing his neighbor. the boston red sox taking an

early lead in the 2013 world series, beating the st. louis cardinals 8-1 in the first game but the cardinals have a chance. they may tie it up with the second game of the world series takes place tonight in boston, 8:00 p.m. eastern. you can watch it only on your local fox station. those are the news headlines on the fox business network. i'm jamie colby. back to ashley and tracy. ashley: jamie, thank you so much. chilly at fenway. breaking news by the way, keeping an eye on the dow almost, if you give it just a little, it will get 100 points. there you go, see? nudge it. up to the highs of the day, up.of a percent, up to 15,513. we're keeping an eye on the surging dow. well the business of crowd funding could see more investors getting involved thanks to rule changes by the sec the question is will it help or will it hurt the small businesses who may be faced with a lot more paperwork? joining me is lauren mack cull

luck, who raised money for her food company, nuture me based on at online platform. they basically open up the field to raise money for what they call ordinary investors. what do you think about that? >> yeah, well, thank you for having me first off. really what i think about it is, it's exciting that things are opening up, however there's still a lot of burdens on proposed rules an regulations that companies of our size may not want to take part in. some good examples are, that caps raises a million dollars in 12-month period of time. if you raise more than $500,000, you would have to have a company audit. and it, it forces companies of our size to file with the sec. these are things that we don't have to do currently when working with a accredited investors. ashley: what, okay, accredited

investors of course have to have a host of different factors to pass but they do offer more experience in the business world. they're pretty savvy. through your experience how helpful were the accredited investors in your >> well, we have a number of our investors are sitting on our board, so, they just have a wealth of knowledge and experience and connections. so all of the investors that we have been able to obtain have really been beneficial with their experience and their knowledge and connections. ashley: explain to me how things have gone with your company, nutureme, organic baby food company? how is it going and are you expanding? >> yeah, it is going great. we have this year at post the crowd funding we did with circle up which is the online platform,

we were able to launch 10 new products and bringing toddler snacks and organic cereals for infants which is healthy alternative to the rice cereal. first-of-its-kind. so, with the fund-raising that we were able to do we were able to launch those products and bridged us to fund raise that we're currently doing. we're in the midst of our series b fund raise right now. ashley: you have great clients including target and whole foods. how easy was it to raise the money? was it an easy sell? obviously did investors like your proposal? >> we had a wonderful experience with the crowd funding platform, circle up. we were able to oversubscribe on a raise of $500,000 in a matter of six weeks. which, typically, traditional angel investing raises can take up to six months to a year to raise money. so it is a very efficient way to

raise money. ashley: yeah. >> helped us launch the products we're excited to bring to market. ashley: very impressive, finally, lauren, what advice would you give to someone following your footsteps, and wanting to raise their idea, their company off the ground? what advice would you give them? >> i would say continue down the path of working with accredited investors, just, just to avoid any kind of rules and regulations. but, online platforms are fabulous outlets and, and they really bring some seasoned investors to the attention of your business. so. >> great stuff. lauren, we wish you continued success with your venture. lauren mack cull law, thank you. >> thank you. >> there you go, nutureme. tracy: how about this, ads on your mobile phone you may want to see and read? we'll have a ceo of peep, a

little company. that is ahead. ashley: tech minute, sidewalks that light your way home at night. check that out. they're being used right now. don't want to miss this story. tracy: like dorothy. still want to hear from you. whose head should roll because of the obamacare website? we'll have your responses coming up. the dow is up 104 points. that is good stuff. don't go anywhere. [ male announcer ] what if a small company became big business overnight? ♪ like, really big... then expanded? ♪ or their new product tanked? ♪ or not? what if they embrace new technology instead? ♪ imagine a company's future with the future of trading. company profile.

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>> it is right around 90 minutes until the close. take a look at the dow 30 for you. the dow up hitting session highs in the last few minutes up over 100 points, still up 98 points.

boeing losing some air today but generally home depot, visa, dupont leading the way on the dow. nicole petallides on the new york stock exchange who has vacation on her mind. nicole: why not. don't we all? some names related to maybe your vacation. three names in particular hitting new 52-week highs today. looking at royal caribbean and starwood. these names are doing very well. they raised their full-year guidance, and they remain bullish. southwest airlines lower fuel cost which helps to boost their revenue despite the fact traffic sled some in the later quarter. third-quarter earnings fell slightly, but revenue beat the expectation, raised their guidance. they are very temperamental

overall. carnival in particular has had some pr issues. >> that is putting it mildly. our next guest has found a way to target you add your heaviest and use those as a reward. looks like you got a hall pass to come here today. i know you are of legal age and you can have a cocktail, but you came up with this idea a while ago, right? you can't get points for playing games. >> we tap into moments in their lives. even logging a workout, in those

moments we said why not instead of slapping you in the face with an ad, why not recognize what you have just done, but do it in a unique way. people don't exactly aim for them. we are there to surprise and delight you. tracy: say i am playing a game and get to the next level, you know me, what am i getting? >> we are embedded to 1500 apps. they are already popular and have been downloaded to tens of millions of smart phone devices. say you log a run. a free gatorade for your new game. we left the retailer or the brand choose redemption method they felt was best for what they are doing now. tracy: this is a great idea. you get points every time you do

something so it is pretty similar. we put on some of the names were working with. pepsi, white castle. $15 million in funding right now? >> yes. some really cool brands, american express, verizon. on the method of rewarding people, we understand using points for something that was a delayed model at the end of the month are you going to a catalog, we wanted to do something that was more instant with how consumers are like today. instant gratification. how can i get what i want now in that moment rather than waiting and redeeming and accumulating points. tracy: you are right. i don't know what to do with them. it would be much better if somebody said i will buy you a coffee at starbucks across the street. how do you make money doing this? >> the brand see this as win,

win, win. they are able to respect the user experience that you are a part of tapping into this stream of existing behavioral. why not be there when somebody is already working out were already feeling productive. tracy: are you getting a piece of the action? >> yes, of course. either in a campaign or something throughout the year. we help developers monetize at the same time. ashley: i have a feeling we will be talking to you many more times over the years. thank you for sharing this with us, sir. >> thank you. tracy: pretty cool. i wish i was doing something like that when i was 22. ashley: very impressive. a great deal of interest in

pintrist. value $3.8 billion. fidelitthe daughter led the rouf free retell toward international expansion and 75% of users visit the site on mobile devices. video may have killed the radio star but not according to youtube. youtube set to launch a subscription music service. set to launch later this year. a free component that would offer unlimited access to a full catalog of music similar to what google has. the parent company of youtube, google, up over 52% in the last year today hitting a 50/50 two week high. forget about walking on water, how about walking on lift.

applied to stone or other materials absorbs the sons uv rays during the day and releases the energy at night to light your way home. home a lot of university students in the uk. helping cities save on energy bills. very cool indeed. tracy: that is to help the drones get home and back to class, you say? ashley: very cool story. tracy: my town does not have streetlights. we could use that. in another passable hat in the ring to buy blackberry. who may want the smartphone maker ahead. ashley: jeff flock in chicago to explain. jeff: i'm up to my ears in candy corn right now. that is hollow in gold.

they say it is the best candy corn in america. in just a moment.

sometimes they just drop in. always obvious. cme group can help you navigate risks and capture opportunities. we enable you to reach global markets and drive forward with broader possibilities. cme group: how the world advances. ♪ ashley: i'm adam shapiro with your fox business brief. twitter plans to set a price range for public offering in the next day or two, and could price the deal as soon as november 6. they hope the ipo will raise $1 billion. former apple ceo john scully is

exploring a joint bid for blackberry with canadian partners. the toronto globe says he has declined to comment on the matter, but told the newspaper he has been a longtime blackberry fan and user. a key decision on whether detroit is eligible for bankruptcy protection is not likely before next month. a judge is setting a november 13 deadline for lawyers to file grief for the trial that begins this week. the judg judgments aside of they is broke and whether it negotiated in faith with creditors before filing for bankruptcy protection. that is the latest from the fox business network giving you the power to prosper.

ashley: a quarter on till, time for stocks. alan valadez joins us now. is this a good thing washington

is so confused about this website they cannot screw anything else up and we are back trading on fundamentals? >> we will be confused for the next 10 years. keep them that way, keep them in the dark. we are up 108 points, a nice day. tracy: we are back to looking earnings, fundamentals, not listening to the noise out of washington. this is not going to last, is it? >> until they start meeting late december. again, it is all based on earnings, back to the sentimental's which are good for us. good news from china pumping the market. even though they have been a mixed bag, 61% so for the s&p s&p 500. 61% on the top line, but it is that bottom line. on the top line revenue is still pretty weak. at about 51%. tracy: we're all waiting for the top line to start growing.

as long as the website is down, the market will be good. ashley: strangely you are absolutely right. could the economy be scaring up traders at the candy store this year? jeff flock at candy corn central in chicago to explain. jeff. >>jeff: always wants to see the impact on real people. they are one of the best candy corn in the world, you say. >> it is so tender and creamy. there is no other product comparison. jeff: take a look at the numbers spending on halloween not just candy, but overall. costumes, decorations, about $1 billion of spending. you are cranking out kind of gourmet packaging for your candy corn. >> it makes this beautiful

standup bag with the gorgeous steel on it, it looks terrific. jeff: this is a special machine they just put in. jelly belly noted for its jellybeans, but a longer history. >> we knew they were making it very early, since 1898. jeff: a lot of people say they will spend less this year. 80%) less this year than they did last year. do you get any sense of that from the ground? >> our halloween business is strong. jeff: you are already making easter candy. >> we have to work ahead. jeff: we will be on the other far reaches of the factory in north chicago about the 4:00

hour. forget christmas, we are already on easter. ashley: great stuff, jeff flock. tracy: we're big fans of the jellybeans. i hope this time it will be for real. this time apple about to unveil a tv. dennis kneale has the scoop ahead. ashley: the last chance to get in on our twitter question today. whose heads should roll for the obamacare website? your response next. tracy: take a look at the winners and losers on the nasdaq as we head out to rake. up almost 5% today. we will be right back.

it's a growing trend in business: do more with less with ss energy.hp is help. soon, the world's most intelligent servers, designed by hp, will give ups over twice the performance, using forty percent less energy. multiply that across over a thousand locations, and they'll provide the same benefit to the environment as over 60,000 trees. that's a trend we can all get behind. help the gulf when we made recover and learn the gulf, bp from what happened so we could be a better, safer energy company. i can tell you - safety is at the heart of everything we do. we've added cutting-edge technology, like a new deepwater well cap and a state-of-the-art monitoring center, whe experts watch over all drilling activity twenty-four-seven.

and we're sharing what we've learned, so we can all produce energy more safely. our commitment has never been stronger.

tracy: apple tv is like the guest who never shows up. we have been waiting for it for two years now. in a report out of japan offers a new date. dennis kneale has details. dennis: apple tv is high-tech unicorn. we thought it would be out late this year. in the report out of japan says look for apple to start selling by fourth quarter of next year. but apple should tread carefully. the set-top box a rare apple failure. the business has legally thin profit margins slaying sony and

humiliating rookies like dell. and apple tvs could cost $2500, laptop prices but apple upgrades laptops every year or two. an average of seven years we own them. the late and great steve jobs in the last year or so his wife told his biographer he found the solution to the next tv wave. that was like three years ago. so far not so much, tracy. tracy: like jfk said we're going vacationing on the moon. dennis: google wants in on this, amazon. the leader oddly maybe samsung. it has actually take screen tv, you can talk to it to program it. instantly linked to the internet. ashley: is the industry really wanting it? >dennis: a lot of times and thee

guys do it, they do it because they can. they also do it because they need for us to upgrade. they always need the upgrade. when they do come along with a great tv at a cheap price, they will let you do it, and of course we would. tracy: you have to put the glasses on, sitting too close. like urkel glasses. dennis: a guy once told me with a seal of an adult entertainment industry, that is why it never caught on because the glasses are so stupid. ashley: on that note. thank you so much. tracy: thank you very much. ashley: earlier in the show we asked you whose heads should roll over the problems with obamacare.

secretary sebelius would be a cannibal. the technology behind it. a tweet says who is to blame, obama, pelosi and finally the entire dems who are unable to think independently. you get the message. she says she is less concerned with who is to blame than the fact the implementation is this sloppy, it is a sign whole program will be as well. ashley: you have a lot of time to get it ready, champion is flawed. ashley: 20/20 hindsight. coming up on "countdown to the closing bell," gearing up for earnings from amazon and microsoft. and life without twitter.

we sit down with robert gray filled, the ceo of the nasdaq to talk about letting the new ipo. and preventing another trading glitch. coming up on "after the bell," something you will see only here on fox business. [ male announcer ] imagine this cute blob is metamucil. and this park is the inside of your body. see, the special psyllium fir in metamucil actually gels to trap some carbs to help maintain healthy blood sugar levels. metamucil. 3 amazing benefits in 1 super fiber.

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design a personalized plan that can help you achieve your investment goals. ishares by blackrock. call 1-800-ishares for a prospectus, which includes investment objectives, risks, charges and expenses. read and consider it carefully before investing. risk includes possible loss of principal. liz: breaking news. it is the last hour of trading. the brain drain that apple is starting to happen. elon musk has just hired from apple the vp of vehicle at tesla motors. right now tesla jumping 5.25%. 173.21. this is a stock that has been on fire since the beginning of the year. you can see they're going to silicon valley. the auto plant is in fremont

california. you can see a nice moonshot for the stock. lipid over to apple. apple has been in the big news today because of coral icon, that stock is still holding gains one.33% for apple today. coral icon saying he would like to see the bigger stock buyback. we are on the cusp of several record highs across the board from small caps to the dow jones transport. you need to watch the s&p right now. 1754 is the record. we are one point away from that record. watch it, we could see it in a minute. we are picking ford as a crucial story today. releasing strong third-quarter earnings announcing it is now profitable in all of its regions except europe. everywhere else they are doing beautifully. nondenial of