>> get ready for a rally. a tech rally. i'm charles payne in for stuart. here is the big story today. techs fuel the global economy and we're going to see that in the market today. amazon and microsoft, two big tech names that are going to go up and big time. seems twitter is going to join the tech rally. the stock is going to be priced at $20 a share, the question, if it trades at $30 or higher on the first day, should you buy it? we haven't forgotten about obamacare. kathleen sebelius says she doesn't work for the people who is calling for her to resign? really? who does she work for?

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>> woo, hoo. the obamacare train wreck rolls on. don't tell that to the health and human services secretary kathleen sebelius. she doesn't work for you. listen to this. >> the majority of people calling for me to resign i would say are people who i don't work for. charles: liz macdonald is here. who does she work for? >> us. charles: us, everybody. >> news flash, this problem with the health exchanges is going on and on until we get resolution how it's going to be fixed, who is going to fix it and how the money is being spent. charles: you would say, getting back to sebelius for a moment, any other circumstance that we know of, you know, private sector, particularly, someone who's botched it up to this degree would at the least

apologize or more than likely apologize to the nation liz: the thing is, giving surface appearance and coverage to get rid of sebelius. what i like is the line it's a success because of the overcoming response. >> people have to pay the mandate tax, that's what created the response to the site, right. charles: a new poll out from fox news, 73% of voters say they are not satisfied with the way the country is going. now, that's up nearly 20 percentage points from last year at this time. liz, obviously, a sign of the times liz: a sign of the times. a 36-point slide in democrat support. that's a big swing. we've seen this steady erosion in the polls, charles and essentially, it coincides nightly with the down turn in job growth in this country. the quality of jobs and the number of jobs being created is unfortunately sadly-- >> it's a heck of a reality check. >> yes, that's right. >> next, we're following big

name tech stocks that are up big this morning, and even zynga and plus, liz mach with a reality check, how much the should down on the economy. a social studies teacher dyed his hair for breast cancer awareness and he bet students they couldn't collect candy for awareness. my mantra?

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♪ i believe i can fly ♪ i believe i can touch the sky♪ >> twitter, twitter will fly in a couple of weeks. the stock the ipo has been priced, 17-$20, but the big question, will the stock be a buy? we'll talk about that coming up. joining us from chicago is tres knippa. i want you to weigh in on the debate, he talks about the rally fueled by money printing and i talk about the fact that earnings are fantastic and i think we have more proof of that this morning. tres? all right, e-mack, while he fixes his audio, i'll let you weigh in on it. >> that song "i believe i can fly" i run to that on a treadmill.

don't you, charles? >> i think i may have fallen asleep to it. >> exactly. it's a question, we know it's money printing and profit growth as well. maybe coming in a little flat. charles: we've got the opening bell and you know, the dow is indicating to be relatively flat and the real action is the tech names, and the nasdaq-- the dow opening up 14 points higher. so not a bad start to the morning. it's been a wild week, another great wild week and the stock market will be up and i like the way we're starting here and i want to get back to the question about the tech rally. we do see strong sales at amazon and we've got to start there, nicole, that's the stock of the day. where did it open? >> oh, amazon, you're talking to me? did you hear me just say, wow, look at charles. i think my mic must have been open. you're looking snazzy there, charles payne. charles: thank you. nicole: amazon came out with the numbers and beat the street

and the better than last year, and looking great up 7.8% and a new high. charles: amazing. you know what though? and stuart is not here for this one, but there's another tech stock that no one would thought would be up-to-date, microsoft. nicole: i don't know where he is, maybe cashing in his shares. charles: he might be. nicole: microsoft is easily cruising past wall street's expectations for the revenues and earnings per share. they've been changing the condition and the focus and it's up 6%. charles: that's a legitimate surprise for wall street, thanks a lot, nicole. nicole: thanks. charles: and zynga, the guys with the pantom fig-- phantom pig. [laughter] and it's an economic indicator that they have to ship, ups reported strong profits ap the cfo says that obamacare

continues to be a burden for the company, but the stock is up almost 2% this morning. and now i want you to take a look at procter & gamble. chances are you use something they make, diapers to detergent. all of that stuff fueling their profits. the stock right now is unchanged. right now i want to bring in david kotok into this conversation, you know, david, judging from the stock market, you know, we had just 16-day government shutdown and it doesn't seem to affect the economy. and now would you use the stock market as a barometer? >> we didn't default and we've agreed not to default. we have agreed that the shutdown hurts both political parties. maybe one more than the other, but they both lost. they've agreed not to do it again and they're now trying to reconcile a budget began get rid of a sequester and they're within a couple hundred billion of some deal that will settle things for a year markets like it.

lastly, earnings are strong. charles: earnings are strong, no doubt about it, but here is the thing, the problem i have with the narrative that the government shutdown, it was disastrous and i hear people talk about it all day, ad nauseam. and as a ceo you can use it as an excuse. forgetting about the debt ceiling debate, just the government shutdown part of it. if you don't think that -- if you think it was bad then your argument is we should never cut government spending, that those 800,000 nonessential workers are essential workers. the flip side of that though, we do need to cut government spending and guess what, i don't think it hurt the economy and certainly hasn't hurt the stock market. >> no, it helps the economy to get rid of the inefficiencies of government spending. look at the inefficiency of the rollout of the most major health care change in american history. it's a fiasco. so government does things poorly most of the time. and therefore, you keep the pressure on the spending side.

charles: right. >> pressure on the spending side, it's a political debate. meanwhile, the profit share of american businesses high, the labor share is docile and lower than normal because of the financial crisis and a big unemployment gap. >> the debate is-- >> that's going to take years to change. >> the debate whether -- this is not a question of the u.s. solvency, it's a question of how we govern ourselves in washington d.c. and the shutdown affected a third of government spending that's, you know, basically discretionary, a lot of money still went into the system. charles: what about the number, this $24 billion was sucked out of the economy because of the government shutdown. >> listen, we have sympathy for the people basically furloughed and people lost a lot of work during that time. the furloughed workers, though, charles, will still get back pay and also could get jobless benefits as well for basically being unproductive into the u.s. economy and by the way,

it's not a zero sum game, right? basically when people don't go to the national parks that were shut down, they stay home, spend the money elsewhere on movies, see movies or restaurants. charles: and so to me, the numbers seemed a little absurd and again, to me, it's really that we can't ever cut government spending, that you will a those workers were essential workers and the notion that we should tighten our belt as a government is ridiculous. >> that's right, it's a misdirection. the real debate, charles, how do you get economic growth back into this country and bring the 2 trillion estimated overseas by corporations cash and marketable securities back into the united states to create jobs. charles: right. well, now it seems like we're seeing a recent drive for this oil. oil has been coming down and finally looks like it's translating into lower gas prices. take a look now, oil well under $100, 97.29. the national average price for gas fell more than a penny overnight.

3.31 is. missouri the lowest of the lower 48 of 2.99. i want to bring in patrick doohan from gas buddy. it looks like the tides have turned. are we going to see the gas prices lower? >> we're going to progressively see gas prices lower. we saw a nice drop in oil prices starting monday and that's oil prices finally break that $100 threshold that they had been sitting at for 111 days. now, the national average is picking up steam because of that decline that we saw monday through wednesday, as you said, the national average now is 27 cents lower than last year and it will continue to move lower. in fact, 21 states now feature at least one gas station under $2.99. that number could grow to 25, perhaps 30 over the next week or two. charles: is it possible that the national average could actually dip below $3? >> well, that remains a bit of a tough shot. we're still 32 cents away from

that barrier. it's not impossible. it's becoming more likely as we see oil prices continue to decline. so, i can't rule it out. is it a certainty? no. i would say maybe 40% shot at that. charles: cool. patrick, thanks a lot, man, we'll talk soon. and right now we want to go back to david kotok before we let you go. david. the ups ceo just said that obamacare is adding a burden to his company and he says the health care expenses continue to be a serious challenge. how much chaos can obamacare bring to the economy? >> it's already brought it. it's introduced the 29-hour work week. we used to make fun of the french with a 35-hour work week and now we have a 29-hour work week. so, we see three to four million, five million people in the part-time labor force. instead of the full-time labor force, and now, there's a bipartisan discussion to redefine full-time work at 174

hours a month. 40 hours a week times four and a fraction, to make a month. because of this construction we have. we introduced the 40-hour week to get overtime above 40 hours. that's how the whole thing got defined to start with. so, we have major transition underway. if i can add one quick thing. charles: sure. >> about the gasoline price. every one penny drop in the price of gasoline around the country is a 1.4 billion annualized rate tax cut on the american consumer. charles: right. >> it's big news. charles: even the worst case scenario with the government shutdown, we probably already paid for it already. david, i like how you come full circle. thanks, man, we'll talk to you soon. i've got one last one for liz. tesla ceo elon musk says the company stock is overpriced. we heard the same thing from

netflix. >> elon musk says the market is being generous. momentum is not value. hype is not value. this stock has more than quintupled over the last years and months. and it's going to take five years possibly for tesla to grow into valuation. charles: the ceo's are so m magnanimo magnanimous. you can do that-- >> what is tesla? a car company though. charles: the stock market is edging higher. not run away. we like when the stock markets start like this they usually end with a bang. and face it obamacare, it's a train wreck. it's killing small businesses. we have a man who helps small businesses to turn around. how is he telling them to deal with obamacare and how would he rehash the law coming up. ♪ (announcer) scottrade knows our clients trade

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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! >> time now for your morning gold report. 1342, almost 8 bucks so far. two best performing stocks are the tech stocks. amazon and microsoft, wow, look at them go. it's a nice horse race there. now, let's shift gears back to obamacare, it's one of the worst things to hit small businesses. that's what our next guest has said because he has a pulse on small businesses and he thinks so. and joining us from los angeles is patrick reddic. and just make your case on th

this. >> make my case on obamacare and small business. charles: are you looking at yourself? look at the camera, look at us. >> i'm looking at you i'm looking at you, obamacare, it's a tough game out here, people really don't know, they're afraid. i'm a turn around man. and i help operations that are in trouble. small business under 20 million. occasionally i do over 20 million, 30 million, 40 million. basically people don't know what it's going to cost them and they're afraid. you know, when we are putting together reorganizations, i have to go in and calm everybody down. i have to calm them down and say, it's going to be okay. and then i better make it okay. i better make it okay and i better make it okay fast. i better know what i'm doing. charles: what part of this, patrick, is making it. you call it incredible chaos. what part of it is the most frightening for small business owners? >> that they don't know what it's going to cost them and they're paying taxes and they

already have workers' comp and insurance problems and they have legal issues. they're trying the best to keep their company together. as i've told you before on this program, the united states is tough. it's a strong nation because of our entrepreneurs. so if we encumber them and we cost more-- we force them into issues that are going to cost the company more money, we can put them out of business and we don't want to do that. we want the entrepreneurs here we want them strong. the founding fathers did not say, we, the people will tax, overencumber and scare our america, that's not the idea here and people are running scared. the people that voted for obamacare, they're saying, uh-oh, maybe that wasn't good. the people that didn't vote for it are saying i told you so. you know, as a leader, when i come into a company, i must lead, teach and inspire. right now with the chaos on capitol hill. we are scared people. we're looking to our, you know looking to the president--

>> i'm a small business owner and call you in because of the things you just said. what do you tell me? >> what do i tell you about obamacare? >> all the things you laid out for me. i'm a small business owner and got a $5 million business and i'm worried about it, my employees are worried about it and call it guy patrick, an incredible track record. you come in in the morning and what are you going to tell me? >> we're going to cut costs inside of what kind of money we're making. we have to wait and see what obamacare is going to cost and people are so concerned. they're actually considering shutting down their businesses before it has even hit them. charles: right. >> so, under 50 people, over 50 people, nobody knows. the biggest problem we have here is fear. we hit the website, and the website doesn't work, right. i've got to tell you, what you're saying is pretty evident. we've become a part-time nation and everyone is working out of fear. to your point if the first thing we do is cut that obviously hurts the overall

economy and small businesses. patrick, thank you a lot. we always appreciate having you on. >> thank you. charles: all righty. mcdonald's is under fire for an alleged phone conversation between an employee and the company's help line. we are going to play it for you next, it's part of the fight for higher minimum wage and the fast food industry. >> america's got the money. mcdonald's got the money, taco bell has got the money. we need the money. tdd#: 1-800-345-2550 trading inspires your life.

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>> all right. we've got to talk twitter, a price between 27-30 a share. and liz, do you think it's a buy? >> i think it's a buy at 20, at 15. people are atwitter. charles: you think it's going to open higher? >> i think it's going to open higher. between 17-20. and meaning active, they're on the twitter account. how do you value it? is this like a newspaper media company? some people say it is. the media companies are using twitter or a tech company or social media? i think of course it's a social media and the thing is the whole big debate on twitter, get this. we've talked about it already. three quarters of users are overseas and represent only a quarter of the revenue. i don't think that's a problem.

i think it could still sell advertising to those guys. charles: it's a tough one. i haven't made up of my mind yet. mcdonald's, serious hot water over an alleged phone call from employee to the company's health line. instructed to apply for food stamps to supplement his salary. take a listen. >> you can ask about things like food pantries, are you on snap? snap is supplemental nutritional assistance, food stamps. you know, it's a program. >> federal money comes down to the states and the states administer it. charles: the website called low pay is not okay.org posted a longer version of that phone call mcdonald's says it's not an accurate portrayal of the help line. it says this call was obviously edited. this is part of a push to get higher pay for fast food workers and we're seeing it all over the country. >> this is a brand hit to mcdonald's. they don't want to be seen as aiding aabetting the use of government programs.

it's unfortunate. this is a broader issue. and mcdonald's is disavowing, it could have been one sole person making the statements on the help line. and wal-mart has the same problem with basically a lot of the workers using government help. but the big broader issue is that people think these are-- it's unfortunate that this economy is treating these like good, full-time jobs. they're not supposed to be full-time jobs. and that's unfortunate. charles: there's a lot of unfortunate parts to the story. if you want to create a society where the $8 jobs go for $15 then what you're saying to people is like, okay, don't improve your life. don't finish high school, don't go to college. you know what? have three or four kids out of wedlock, don't put yourself in a predicament this is the only option. keep doing what you're doing, sneak weed, doesn't matter you'll get rewarded. mickey d's has got the money and this is a warped mentality. >> we both grew up--

i grew up in a household-- i hate to talk about myself. i grew up in a phone with a rotary phone and eight kids and dad-- >> were you working at fast food? >> no, working since 15. >> i was happy to work and people say 3 to 7 billion of fast food workers getting care from the government and at the same time the fast food workers make between 41 and $46 billion. so, who is subsidizing who? new at 10, a report that says the u.s. brand is losing steam overseas, that we're no longer the leading nation and we're losing respect. well, we're going to talk about that at the top of the hour. forget retirement. you're going to end up working until you're dead. no retirement. at 10:45 we'll tell you the guest the extreme measures people are turning to so they can enjoy their golden years. stay here, a lot more on the next hour of "varney & company." it's a growing trend in business:

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charles: who should lose their job over the obamacare disaster? which one do you think actually did lose their job? has grand america taken a hit because of obamacare? we have the branding and diplomatic side of that

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nicole: stocks are doing well. fifty-two week highs. this stock is up over turned -- $10. they continue to do well with their sales. charles: and the stores are always packed now. thanks a lot. back to the big story of the day. 73% of voters say they are not satisfied with the direction of the country. that is up 20% from a year ago. the reason why, the obamacare train wreck. do not take it up with kathleen sibelius. she says she does not work for

the people who are actually calling for her resignation. listen to this. >> telling you to tell us to check back in. does that mean i should go back on at 3:00 o'clock in the morning? >> early in the morning and late at night. some people say that they still cannot get in. >> have you ever caught anybody that really likes it yet? >> no, not really. charles: monica crowley is here. >> for the most transparent administration in history, they don't want anyone ever telling the truth about what is really going on. she answered honestly and she loses her job over this.

she was making about $26,000 a year. he will make that up to her and try to help her find a job. charles: it is sad that it even had to come to this. she is being honest. she is answering questions. if you happen to be on the losing side, by the way, the president keeps talking about that. if you do not like it, when the election. anyone on the losing side of the election, you have no voice. >> that is the way he has governed since 2009. he ignores the fact that republicans were reelected to control the house of representatives.

charles: he also ignores the fact that a lot of people on the so-called losing side fueled the economy. all people should be represented by the white house. all ideals, all factions. for kathleen sibelius -- we have seen this. i don't care who you are. >> when we were watching the irs testimony about targeting conservatives and tea party members, those folks were brought before congress. there used to be a time where you are nervous, prepared and you showed respect. i don't care whether it was the contractors or the irs folks, there is real disdain. there is contempt for authority. charles: for the most part, they

blamed the obama administration for not testing the site ahead of time. take a listen to. >> did you ask for more time? >> we informed them that were testing was necessary. we informed them of the pieces of the system that we have tested that had issues. yes, we did. charles: they were trying their best to not know the administration under the bus. it was either us or them. >> they did not want to blame the client. these folks, they are partially to blame because they were in charge of getting the website up. they are not totally at fault here. they were giving no guidance. they were getting no direction.

charles: -- >> the political arm of the obama team, they have been upset and very good and affective at data mining. i think this was all deliver, by the way. they have since correct did that. i want to know who ordered that. charles: no one knew yesterday. >> somebody knows. who was it? charles: who knows?

>> we were told that this was the most brilliant president of all time. nothing ever trickles up to the top. [laughter] he is either grossly incompetent or he is lying. pick one. charles: they keep getting away with it. it feels like they do it because they can. >> well, they are getting away with it. the mainstream media will not do its job. charles: this is one disaster. everything from obamacare to the nsa to the government shutdown hurting america's brand

globally. let's bring in bruce and chris. gentlemen, welcome to the show. i want to start with you, chris. america's brand has been on the decline for a long time. >> yes. that is right. it has gotten worse recently. if you look, not only do americans think we are less respected around the world, but clearly judging from the actions of others, they respect us less. you have the president of brazil who canceled the state visit to the united states.

these are diplomatic signs. charles: it is not just that maybe, you know, people are less intimidated by us, now they are starting to express it. what is angela merkel going to do? >> she is probably angry. the germans and the french spy on us a whole lot. speaking of the russians and the chinese, they are pushing us. they are testing us. charles: bruce, here is the thing, when it comes to day to day stuff, they are not testing us. it seems like maybe outside of

the u.s. government, the american brand is pretty strong a round the world. >> well, that is right. it is dynamic. it is changing all the time. our products, our culture, the things that we export, they want that. on the other hand, our activities, our actions either enhance or do great to do grade us. charles: ibm just reported their earnings. their numbers are down.

can we see that co-mingling of political outrage were afflicted around the world? >> of course. consumer behavior is not rational and it is not linear. it is thoughts and processes. everybody is playing this game of manipulating grand value. charles: president obama began his term as president of the united states with an apology to work. did that help anyway? >> it was before he became president that he went to berlin and said he would be different.

those people probably are not exactly partial to the united states. they will not be with you in tough times. it had stops in egypt and greece, and istanbul. charles: nicole petallides. nicole: we have the numbers out of ups. they are looking to the holidays. we just finished talking about amazon. ups is saying the very same thing. eight-10% growth likely. cyber monday is the monday after black friday. fedex, by the way, same story.

the whole point is that the holidays for amazon, for ups, for fedex, are looking pretty darned good. charles: certainly more and more big-time ceos are trying to let us know this thing is hurting us and it will hurt us even more. thanks a lot, nicole. bank of america cutting mortgage workers. will there be a double dip in housing or is it really the time to buy? we will find out. ♪

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are going on strike for the first time next month. the strike is scheduled to last for the last weekend of november. the housing market, well, it is starting to pull off. bank of america seems to think so. look at the ten year right now. we are really starting to pull back. here it is right now. the 30 year coming down big time. real estate watcher joining us now. brendan, and a lot of people are saying the housing recovery ran its course. >> i think it is kind of a pullback. interest rates were low and they wanted to get in. charles: what will turn us around? >> i think people are just

taking a step back. i do not think that it is a double dip. i think the appreciation level was so high that it is not sustainable. charles: it has not involved mainstream. you have big-time investors, cash buyers. you have more cash buyers than first-time buyers. >> they have been excited all year. charles: when does the average american say, okay, i want to buy a house again. >> first-time homebuyers were back in the market this spring.

there is just nothing for them to buy. inventory numbers were so low. charles: are you being realistic with yourself on this one? are they vary to the degree that we need them to be to keep this rally going? >> there are first-time home buyers out there. >> people have less confidence. for sure.

charles: what would change your mind about this? >> i have seen a lot of buyers leave the market. charles: 120,000 jobs a month. no big deal. all right. thanks a lot. if i can guarantee one thing about this year's super bowl, it will be called. it will be very cold. ♪ >> i was hoping you could help me with a little wager. who is going to win the game today? >> homer, we do not know who will win the game until the game is played. >> sure you don't.

♪ 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.

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charles: let the countdown begin. just 100 days away from the super bowl in new jersey. we have the co-owner from the new york giants with us. first of all, congratulations. >> thank you, charles. we are very excited.

charles: will it be the coldest stage in the world? >> let's be real. some of the greatest have come from this weather. the fans are ready for it. the fans are excited about playing outdoors. the first time either it will be played in a northern city without a roof. i think people should embrace it, not be worried about it. charles: people have gotten a little soft over the years. some people are worried about it. how did you pitch it? >> well, when the jets and giants made their pitch, we had a lot of reasons to explain why

we thought this could be a wonderful opportunity. the nfl is based here. we are committed to making sure this will be a wonderful experience. we want the whole region to be proud that the game is being hosted here. there are so many events. we are talking about 500- $600 million. charles: that may make up for the big traffic jams we are going to see. are you getting a lot of help from local governments with respect to traffic and everything? i drive in from jersey every day. i know that it can be tough. >> they have really given the

tasks to their administration. we understand the issues that are inherent of putting something together of this scale. people should really try to understand that this is the public transportation super bowl. find a bus route. take a train. that will make your life a lot easier. charles: i cannot let you go without talking about the giants. how one in the win column. can you salvage this season? >> certainly, we are not out of it. this team is committed. coach coughlin, the players, they are focused one game at a

time. the giants feel good about having one win. we really congratulate the coach. he really is one of the best in the business. charles: i don't think you will get an argument with that no matter how the season ends up. a lot of people watching our show just cannot put it together. they cannot understand why the stock market does so well when they look out their window and still see despair. >> clearly, we want clear messages coming from our leaders, elected officials in our nation's capital. businesses are doing okay. i feel good about the economy. the travel and tourism industry,

we are doing better. people are traveling. we need to take the barriers down. charles: if the giants do not make it, would you be happy to see the jets play? >> we would love to see the jets. charles: could you imagine the change and ticket demand. >> it will be a hot ticket, anyway. charles: thanks a lot. i am happy and excited to see it in new jersey. time now for a market check. take a look at the big i want to check out buffalo wild wings.

talking about the super bowl. forget the super bowl, this stock is already rocking. the obama care exchange disaster. are there any other options? after the break, we will lay it out for you. ♪ [ male announcer ] the founder of mercedes-benz

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charles: welfare recipients in 2011 overwhelmingly on number year-round full time workers. look at the numbers from the census bureau, $108,400,000 received when a more forms of government while 1 seven million people who work year-round full time challenge. if that is not in in the economic indicators are don't know what is. >> i can't say i am surprised about this had line with welfare recipients outnumbering full-time workers in america because president obama when he spoke about a fundamental transformation of the nation what he meant by that was moving the united states away from a country based on individual

liberty and economic freedom and self-sufficiency and toward government dependency and welfare is the and has done so many things and slammed so many things into place like obamacare to get that done because the whole objective is to grow government, dependency on government and law as a people into dependencies so they become permanent democrat voters and he is accomplishing that. charles: i heard president obama disagree with the notion that this is the notion that pulled itself by its bootstraps and from day one it was always about the favorites getting some advantage over everyone else. but doesn't the administration realize at some point if you discourage success, if you discourage being an extraachiever, an extraordinary person who will fuel this economy? as this equation get more welfare unless workers how do you keep it going? >> they don't think that far. for them it is totally ideological.

you are dealing with committed leftists year and even though history is replete with examples of what you are talking about including modern history in western europe when you had decades of socialism, ravaged the economy is, upside-down pyramid where workers are the little amount of people supporting a huge superstructure of dependency, we see the failures yet those who are so ideologically bend on that course don't care about the fact that it is eventually going to in implode. it is all about changing the face of america. charles: the obamacare exchange web site is a disaster. millions of people can sign up. gary lauer is here. you were on a website that offers an alternative to obamacare. >> we do. we have been at this for 15 years. is not an alternative, is the precursor long before the words exchange and health-insurance were in the same sentence we enrolled millions of americans.

charles: i went to your site this morning. i got to tell you, easy as pie. all you wanted was to know who was in the household and their ages and after that i had an incredible array of options. how hard is it to make something like that? >> ecommerce is complex. if you look at the success failure rate of companies that try to do this is not a good ratio. takes a lot of work to be amazon or ebay but it can be done but take a lot of testing and takes a sensitivity to the consumer. people want choices, they want integration, wants to get there quickly especially in this world we live in and that is what we do and is one of the fundamental mistakes made with the federal exchange. at this point there are so many people piling on to that unmitigated mess, i am focused on a different area which is how do we use the really good things in the private sector that work to get people enrolled and one alternative people have is

ehealth. charles: we are doing a commercial so don't worry about that. on your site, you say secure, trusted, better, secure, trusted, better than whom? are you taking a direct shot at the obamacare exchange? >> it is better than anything in the marketplace. the record is unblemished with these kinds of things and we are not necessarily focused on them but people want choices and is fine to go to a government exchange like you go to the post office. it is also find in a you have an option like fedex to send a package. you have eagles to get health insurance. charles: this is the question i don't understand. i went to the site and saw the different options. how come with the new health-care exchange by the government most surveys, most of the analytical works say people's premiums are going up, they're going up significantly? how come that works if it is supposed to be a competitive

marketplace? how does that happen? >> there are a couple things going on. the affordable care act mandated a number of benefits these plants have to have like buying a new car. if you won the upgraded leather and better sound system you will pay more so the prices have increased on average but there is a more important issue at work which is for obamacare to work you need very diverse and wyatt enrollment. most of the people enrolling today are either medicaid or they have got preexisting conditions, higher utilize theirs. we need a lot of younger people to enroll who are healthier and that is one of the challenges state exchanges and federal government exchange are going have and one of the things people in the private sector like us to do so well and so effectively. young people don't want to use phone systems. they don't want to go to call centers. they want to use hand-held devices, they want to use their tablets, they want to do something online, that for example is what we and others do. government is really going to embrace the fact that there is private sector solutions out

here that can help with all this. try to do this all as government is a mistake and are 14 states trying to do that to the exclusion of us for example and i think it is a real disservice to their presidents and these people running these they exchanges are stewards of taxpayer money. money and your money and they ought to be thinking about that doing everything they can to optimize. charles: you brought up some amazing points and the idea of these plans have to have certain features is one i don't think we talk about a lot but your stock is up 13%. we showed the charter earlier at an all-time high, may be the charm alone will get someone in the government to give you a call because you are doing something right and these guys are doing something wrong. we got to leave it there but really appreciate it. if you are looking forward to retirement think again. after the break a new study says you will probably work up until the day you kick the bucket. it is all right after this.

charles: according to sec filing, up to eighty million, to

seventeen $20 each raising the one$.6 billion. the stock is expected to be priced on the stock exchange, new rules for painkillers may make some harder to get. and containing hydrocarbons and drugs like by coin. and the same restrictions. like your refills. and new durables 3.7%, aircraft orders were the main factor. and contract for 120,000. a lot more coming. [ male announcer ] imagine this cute blob is metamucil.

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charles: amazon shares leading the s&p 500. how is the stockholding got. nicole: it is at 36627 over 20%, traded as high as 316, all time high, better sales, to the holiday season, they raise their shipping prices trying to get everyone on their prime bandwagon, they continue to see it doing great. charles: when you go to the top line and it never mattered, amazon is in unique position doing very well for its

shareholders. a new survey by wells fargo finds 37% of americans a don't ever expect to retire. they will keep working until too sick or dead. 34% of americans believe they will work well into their 80s because they can't save enough money to retire earlier. i am sounding like good news for the sonics guests. the grim reaper, scott king, ceo of lifeline is back. they make a movie version, as good as vincent price is around. the movie version of vincent price, we always kid you because they are betting on death or whatever, this is a pretty alarming stuff. and a actually kick the bucket. >> they use this as a wake-up call. the study is interesting because lifeline's research indicated we

pulled individuals, 50% feel they continued to work until they got too 6 or until they finally died. is unfortunate because this can be avoided if someone will step forward and set forth a plan. a few recommendations for making a plan. the first thing we believe anyone should do is get an investment on all along they are going to live. there are some great pools on the internet, unlike the government website but if you were to google like expectancy calculators you could get an estimate how long you could live. lifeline program recommends you add five to ten years. go to choosetosave.org and put building blocks in safe and the only thing guarantee in life is benjamin franklin put it -- charles: let me just jump in for

a moment. the people we are talking about, what do you do the same out there? and the average person out there, this is a stark reality, no way to change this. >> it is a stark reality, and non-traditional ways to supplement their retirement. first thing they should look at is how they want to retire, where they want to retire, lot of seniors are bootstrap to the house where they grow up and hope they come, and provide the one or two times a year when the family gathers of ramadan anteroom table. cheryl: the baby boom will become a senior boom and you can't live off of social security. many people want to work. they don't want to just sit around. that is a factor too.

charles: little segway into that, if you own a home why don't you cash out and turn your house into a cash register all paula lot of people think that sort of thinking led to the implosion in the first place. >> they use that as a savings account, the second or third is not available. and reverse mortgage, got a lot of bad press about reverse mortgages but they could be a godsend used properly and people understand the fine print. another opportunity is life-insurance. people viewed life insurance as a liability, something they've a premium for and the only way to get cash out of it is to surrender with a life insurance company and settlements can paid eight to ten times more than what the insurance company will pay if you surrender to cash value. we believe anyone whether a term policy or whole life policy --

charles: we have some breaking news we have to share with the audience. breaking news, senator rand paul threatens to pull janet yellen's nomination or put it on hold. it felt like she was a sure thing. >> informed the senate of his intentions, insisting on a vote of transparency. the thing is she is already being criticized by some gop members, quote, immodest about what the federal reserve can do. an interesting choice of words, the federal reserve can fix that. charles: those points for rand paul would be subject to anyone being nominated. if the beef against the nominee, the existence of the fed itself. liz: we know senator paul has been a critic of the fed itself and as a money printing program. charles: thank you to scott. actor and comedian russell brand

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lou: on lou dobbs tonight, washington's dysfunction. it is all about corruption, so

says the author of a bombshell best-seller expos, extortion. peter schweitzer joins us tonight, please do as well. charles: is profited dirty word? russell brand thinks so. this is what he called the bbc, david cameron says profit isn't a dirty word. i say it is a filthy word which i think the very concept of profit should be very much reduced because wherever there is profit there's also a deficit. this doesn't address these ideas. where do we even begin? liz: why don't we redistribute russell brand's $15 million in profit. he is also saying he is blaming his own drug addiction on the social conditions, not himself but the social conditions that he grew up with. charles: i am so sick of these sectors particularly the ones who dropped the bomb and this

one. tensions are high on capitol hill during the obamacare hearings leaders with democratic congressman frank malone from new jersey had to say. >> once again here we have our republican colleagues trying to scare everybody. i will not yield to this monkey court or whatever this is. >> this is not a monkey court. >> i am not yielding. charles: i had some fun with that. i asked my subscribers to react. some animal analogies of their own. here's what that ad. obamacare is the 900 pound gorilla in a room, the zebra has lost his stripes, obamacare exposed. liz: john love mark. it is not a monkey court when people losing their insurance. we see that the today but the major media, abc, finally getting on the stick and covering this story, actually

hurting people, that the congressman can help. charles: the whole place is that can record. more "varney and company" next. let 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. your financial advisor should focus on your long-term goals, not their short-term agenda. [ male announcer ] join the nearly 7 million investors who think like you do.

face time and think time make a difference. at edward jones, it's how we make sense of investing. charles: so, what we're showing you right now is the latest invention from and in jerry's. an honor to the sequel of "anchorman." we ask what would you address committee had to name it after our anchorman, stuart varney. cap suggest money crunch. the ice cream with mint chips and peak on. kate says to fit the strong personality, coffee flavor with bits of caramello. and in honor of his most intimate investment, it would have to be microsoft served. you know what, that is a pretty smart stuff.

liz: the stage director said it is more like plain-vanilla. because he likes everything vanilla. dagen: i will try to save you some. dagen: it would be stewards iced milk. charles: maybe water. dagen: thank you very much. big ben bernini' ben bernanke's. campaigning for best job. and senator rand paul may be a hard sell for yellen. and denying spying on german chancellor angela merkel's phone. they close the idea of lock in the u.s. out of german technology. carl i come latest campaign with apple has a billionaire investors using phone media as a pawn in his money game. charlie gasparino is fired