♪ ♪ ♪ ♪ even do and let's say that you weather the storm. are you planning to double down the turkey? a lot of tores will be open. big savings and othershave been advertising as well. but not about big sales on thanksgiving. about being closed on thanksgiving. welcome, everyone, apparently there is a bone to pick with thismadman.

and he is not exactly being shy abt it. it is going to be 100% now. friday, yes, tomorrow? well, is it okay to let workers spend time with their families on the holidays? it is more than what they made up for customer goodwill and loyalty. it is an interesting and somewhat a risky experiment, but far from caving from the shop round-the-clock mentality. stopping the clock and that is why we thought it might be timely to get inside of a major retailer that may not be ready for thanksgiving, taking itself outside of the rest. richard, it's good to have you.

why is tat? >> we are a family company. thankfully we have no shareholders to answer to. and we have never been open thanksgiving, we have been running these ads for 18 years. for us, it is a choice that we make for us and our company of 3000 employees. we think it is a national holiday and we want to give our employees time to be home and enjoy their day with their family and friends and loved ones and we want to ake a national shopping day which many retailers are changing. >> certainly changing in a record number this year. do you feel that you will lose business as a result? >> thas a tough question to answer. i would think that there will be people shopping on thanksgiving. we hope that our loyal customers

recognize that we are close and why we are closed and that there are plenty of times to shop on friday and we open at 6:00 o'clock with the best deals of the year on friday. we do not limit the quantity. so customers are welcome to shop shoppers exam until 11:00 p.m. on friday and there is no reason to do this on thanksgiving. neil: when you open up at 6:00 a.m. on a friday, people actually show up at 6:00 a.m.? >> it is funny. last year we were open out for an because the madness for everybody else fell at midnight. and we did not choose to be part of that. but we want to be close enough to it. so the interesting thing is, with many stores opening at 6:00 a.m. on thanksgiving. i don't know that it will be an all-night affair and we are

looking for the people that will be disappointed with limited quantities, no rain checks and falling into that trap, and then they can come through 6:00 a.m., we advertise what we have, we're going to make a lot of people happy. neil: god bless you. unless it's a den's grand slam, i don't know that i will show up. but what is interesting is that a lot of others felt the same way you do and then they started talking about their competitors. they started singinthe competitors doing this. first tentatively and then earlier and longer. and they felt that if they didn't do this, and some of them have said that they were not fans of doing that. that otherwise they would be the odd retailer out. you feel that pressure? >> there is pressure every yer. we are a family owned and operated business and we still have family values and this is

what we choose to do. like you said, could we be giving up some business on thanksgiving day? well, maybe so. but i will tell you that the response that we have gotten from our cstomers and from people far away as calfornia and the midwest and down south, showing support for what we are doing, saying that i am not going to buy anything, but next time i do, i'm coming to you with social e-mail and letters and phone calls, overwhelmingly in that kind of reassures us that we are in, we know that we are ing the right things for our employees. but now these letters and words of encouragement proved to us that we are doing the right thing for our customers as well. >> we live in a mad rush

society. time to slow us down. nothing wrong with that. greg, richard greg. thank you so much. >> the promise hurt around the world. >>f you like your health care plan, you can keep it. >> do think that was the end of a? it was not enclosed. clients are always learning more to make their money do more. nn) to help me plan my next move, i take scottrade's free, in-branch seminars... plus, their live webinars. i use daily market commentary to improve my strategy. and my local scottrade office guides my learning every step of the way. because they know i don't trade like everybody.

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but. >> if you like your health care plan, you will be ablto keep your health care plan. if you like your daughter, you can keep your doctor. if you like your health care plan, you can keep your health care plan if you like your health care plan, you can keep it. neil: all right, we re plainly aware that over 5 million americans ha found that not to be the case. their health plan is canceled due to th new health care law in tens of millions could join them by this time next year. this isn't the president only broken health care promise. in fact, she has been keeping

tabs and has the proof. but you are arguing bottom line that this is a pattern. is that correct? >> absolutely. this is a broken promise after broken promise. when we hold the president responsible? premiums are supposed to go down for the average american family by $2500 that have been occurred yet. the government actuaries actually came out and said that health care spending is going to increase by 621 billion over 10 years and that is 7500-dollar increase in the average american family. that is pretty contrary to the 2500 decrease that we were promised. neil: let's go into the particulars. broken promise number two. this issomething that health and human services secretary has to s. >> lowering the premiums. >> i didn't say they were going down to the rates are lower than was predicted.

neil: just the euphemisms that we have. >> that's right, but they are going to go down less than what they were predicting. american people are a lot smarter than us. they are not going to buy in to to save the premiums are actually going down. american families are going to see that. 7500-dollar increase in premiums over the next 10 years. and it's going to hurt and be painful and i hope we hold president obama accountable for that. neil: broken promise number three actually comes from nancy pelosi and actually a few years ago. >> this bill is not just about that and health care, but about jobs. this includes jobs almost immediately.

>> the health care bill was a jobs bill. >> it was very very weird. you know, in two dozen 11, the cbo director said this will decrease the number of jobs. 800,000 american jobs will be lost. so where nancy pelosi is getting your facts from, i'm not sure, but it's not true. we will see all of this with the salaries go down in americans having to work more hours to compensate for employers laying off emploes to get under this threshold that they have to meet in order to be exempt from obamacare. so we will see this. neil: you know this like an encyclopedia. everything, he signed up for and you are a part of it in the keep it low and it hurts and doesn't help. >> exactly. neil: what's promise number four? we have it right here. >> nearly 85% of americans already have insurance or medicare or medicaid or your

employer, if you are one of those people, you do not have to do anything. neil: you think that this would've been part of this. the companies are canceling workers and plans as we speak. that but that was never really preview, was a? >> no, and as you mentioned in your into, the 5 million peop have lost their health care already. and 7 million more will lose it further. i want to point out that every number i out that every number of new comedies are government these are government numbers and this is a cbo actuary. these are real numbers, the government is saying that this is going to happen and obama and nancy pelosi are ignoring it and making these promises that are outright falsehoods is notjust truly lies. >> so if things don't turn out

to the degre that you told folks that they would, you lose their trust in charter one that back. thank you so much and have a great thanksgiving. >> thank you, you as well. neil: here is a good rule of thumb. where you most likely to work? where you most likely to work? probably wall you really le, what would you do?" ♪ [ woman ] i'd be a writer. [ man ] i'd be a baker. [ woman ] i wanna be a pie maker. [ man ] i wanna be a pilot. [ woman ] i'd be an architt. what if i told you someone could pay you and what if that person were you? ♪ when you think about it, isn't that what retirement should be, paying ourselves to do what we love? ♪ yep. got all the cozies. [ grandma ] with n fedex one rate, i could ll a box and ship it r one flat rate. so i kn untilt was full. you'd be crazy not to. is tt nana? [ malennouncer ] fedex one rate. simple, flat rate shipping with threliability of fedex.

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♪ ♪ neil: this is the time of the show where we teach a topic and hash it out. but today we have a topic that is so showstopping that we are actually saving until the end of the show. so this is a must see debate. down at the core of good behavior at your thanksgiving dinner. if you do not listen to our tps at the end of the show, you will have a horrible thanksgiving dinner. i will go so far to say that. you will look like something you

don't want to look like. so leave us at your own peril. meanwhile, there is a new study out showing the college students who cheat are more ikely -- or do you think they are more likely to go to get a job? wall street? no, they are more likely to work in washington for the government. the american pitbull of personal development is with us. this includes howto stop being a victim and had to have to take back your liie and your business. larry, you were not surprised. but i was. >> the first thing that it tells me that is that we probably have a lot of government workers right now who are already cheaters in college. you can work that same equation backwards and figure that out. the sad thing is that it tells us that our young people don't have a very high opinion of government. if they can somehow undermines the say that high wages and

questionable integrity equals a government job, that should tell us what they think about the government. neil: or they could run for office themselves and cut out the middleman. but i'm wonding what it says. in separate studies it shows that there are more kids from the very best elite schools to try this with a little cheating to get ahead in to get a little edge. but what does that tell you? >> it tells me that we are not doing a very good job teaching our kids how to be honest. and the hard way to fix this is going to be for the parents to step up and start holding honesty and integrity as uncompromising values and our families. that i the hard way to fix it. the hard way to fix it is going to be for schools to start imposing harsh consequences on students who cheat.

and for government workers right now, the leaders and managers in government. when they find employees that are cheating and contractors who are paying their taxes like those for the irsnot long ago. those people all must be punished harshly so that students can start saying that that is not a direction in which i want to go. we have to remember that people will do whatever they can get by with and that is human nature. neil: you are rig about that. when we say to you that you can't abide with us, we are going to impose the consequences and that's when we will start sending the right signal to our students. neil: people want the lawyer for the deal. your listeners do not play victim and make excuses, life is unfair, get over it, move on, take charge and don't blame anyone. but when i thought about this, the people that cheat who end up going to the government, working

at backwards to your point. we do have a system that does reward the victims now and disproportionately those who might have had bad luck and then to equate those that are truly hungry, one out of three americans getting food assistance and something is terribly awry with our system and it goes back to, a lot of it goes back to expecting someone else to clean up our messes. >> we have raised a society where we never want to take personal responsibility and instead we would like someone else to take care of us. we have moved from anentire country that was built upon self empowerment and feeling good about yourself and knowing you could go out and make anything happen in your life that you wanted to, as long as you're willing to work. we switched from empowerment to entitlemt and that was a dangerous shift that we made a few years back and the only way to change it is to step back

and, parents have to fix them and their families. neil: there is a sense that the government will look after me. and i say that this goes all the way to the food chain that make the free phones in the obama that compares. but they are talking about the varying degrees of give me this and give me now from washington. how do you decouple that? >> well, i think again that it goes back to what i said that everyone will do whatever they can get by with. and as long as we continue to tolerate those kinds of things in our society, we're just going to see more of it. and if we tolerated and we let people get by with it, we are endorsing a. but we have to let people feel the pain and stupidity.

neil: have a great thanksgiving. the bank socking it. what is going on? we will have the story next in today's markets, a lot can happen in a second. with fidelity's guaranteed one-second trade execution, we route your order to up to 75 market centers to look for the best possible price -- maybe even better than you expected. it's all part of our goal to execute your trade in one second. i'm derrick chan of fidelity investments. our one-second trade execution is one more innovative reason serious investors are choosing fidelity. now get 200 free trades when you open an account. maestro of project management. baron of the build-out. you need a permit... to be this awesome. and you...rent from national. because only national lets you choose any car in the aisle...

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neil: doesn't mean that it won't cost you. borrowers aren't the only ones discovering all of these bank costs. they want th money, after plunking down cord amounts. more than $100 b@ plunking down record amounts. more than $100 billion when all is said and done. the government wants blasted banks after saying they contributed to a meltdown. they have now submitted that maybe these banks are not winning it all. we have david stone who is a trial attorney with us.

these very people need their help in lending money. >> you know, it's interesting. i mean, the system is so broken. things are not going to want to lend and investors are not going to want o invest in mortgages. part of the settlements of the banks are making and giving billions of dollars of breaks, which homeowners need, but by doing that they are hurting investors at the end of the day. as well as the banks. so it is a mess right now. >> do you sense that the government can appreciate the enormity of this sort of boomerang and grievous financial offenses, never mind that the government helped push them into the mess. they are now coming to find that

this is part of the taxpayers? @% i agree with you. it is an issue and i don't think that the government is very sophisticated in understanding how to secure the markets and how they work. they are a release elements that are hurting them because the banks do not own the mortgages that they pass it on to the investments in a nearly service them. so it seems that the government doesn't really completely understand what it's doing. and as long as there are incentives out there to allow these kid of mortgages, you won't stop us. unless you punish the people who actually participate in the

behavior. >> you know, after all of these finds commen jpmorgan chase can have this fine, and they can ha this over with lower amounts with bank of america and what have you. but the pot is so deep that they never need to worry and this could be the first sign that not only do they need to worry, but we need to worry as well. >> i think that we do need to worry. and i think that the end of this mortgage crisis has not yet happened and we are coming up on a number of tenure blown balloon mortgages that a lot of homeowners will be able to make. and there's a lot of crap mortgages out there and grab securities and we don't even know. but we will find out soon. neil: how many do you think will go bust? as a result?

because a lot of these 10 air baoon -- these are coming due now or next year. they all seem to be timed on next year and that could be a sticky situation. >> it's going to be in the billions. and i think the banks are reservingnd preparing. they know that they are going to have litigation and liability is and hopefully the markets are preparing for that as well. neil: do you think it will be the magnitude that we have in the meltdown? that both of them have pushed for that? that it won't be as fearsome as it looks? you seem to disagr. >> i don't disagree. i don't think it's going to be like 2008 exactly. the problem is the credit crunch and we have learned from them and we are not going to have that problem again. but i do think that will happen is certain banks are going to get hit retty rd that have invested in the stock and the

value is going to go down and what will happen as a result? neil: david, thank you so much. good reads on all of this. in the meanwhile, another delay for health care and democrats e finally seeing the light. this health care thing needs a ceo from the private sector to fix what we have done. ♪

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senate democrats urging the president to hire a ceo to handle the website. the chief officer at age 43. one thing out of pennsylvania avenue that has stood the test of time is whitehouse.gov. up welcome, to our new guest was going to help us sort this out. we need a private sector guy in this to take it over. it is a good sign. isn't that? >> you know, thank you for having me back and happy thanksgiving. neil: happy thanksgiving to you as well. >> we are losing 21 to zero. i don't care who you bring in, we are using the same playbook. i think it's great they are talking about bringing in a new person, but they need a new playbook as well.

neil: obviously when push comes shove and a lot of financial situations, for lack of a better term, they hired a city manager that have more power than the mayor to sort of rightthat financial situation now. and we have seen it, you know, we have seen it in case after case where cities, municipalities, publicentities that have run aground, they bring in the private sctor. when they are advocating this health care law. think that they are looking for a private sector solution, which makes me think that maybe that's what they should've been looking for in the beinning. neil: i think youre right on. they shoul have up though not from the beginning. there are people who have done this before, the banks do this all the time with mergers. the functionality is that and they still hit the date and it

won't be accessible if they didn't. neil: when you are running the functional side that it is today. the argument has been that you have nothing as huge and monstrous business to get going. or nor would it have been entertained. looking back now all the things that they knew that they said that they didn't know and this surprises that they say are genuinely surprising amount. do you believe that? or is this a stretch of technological ignorance that you could buy this shop because they were not up to speed? >> i would think that they would be incrediy naïve to think you could interface with several departments and agencies and aggregate the information that has never been dealt with before, this unprecedented aggregationof information,

thinking that you could pull it off with a really large system without building it in small pieces. and that is the piece that they have missed. besides the security, they have done it as a big bang theory and we know that they don't typically work. neil: do you think the problem is way beyond the website? i do think they'll get it up and running. but i don't know hen. but the problem when you get on it, there is the shock of the prices and what you find ones once you are actually in it. that seems to be the real surprise. >> i think you're right. once you get the information, it is definitely not a pleasant experience for lot of people. so after the frustration, after the waiting. the pricing makes it that much worse. >> we should have had you there, young lady. >> thank you for having me. neil: okay, in the meantime, it is cold and windy and snowing. but it's a cold rain. and it will probably keep

customers from shopping at all. is that a perfect storm coming? were the perfect excuse of all excuses coming? the retail versn of the dog ate my homework is coming up next i take prilosec otc each mornin for my frequent heartburn.

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neil: now they have an excuse. e thanksgiving whether it's far from ideal. scott martin is waiting for the retailers and anyone else who can stick will be these weak numbers to this event. what do you think? >> well, what a tangled web that the retailers we. we're coming to a very important

time for them. and shopping holiday season is 25 or 30 and is only filtering could big-time for them and it it doesn't look so great and i think that i think that's what she's up for a lot of the retail stocks, they a using any excuse that they can. even blaming the avian flu per week retail sales. because what happens is when they do this, the stock scripts bond positively. neil: it could be that the low expectations have been built-in. so there is a strategy to it. the lack i think the retailers will fall back on it. but you're not in and tell your kids that santa didn't come this year because othe snow. >> i think the companies that will shine will be the one catering to folks thing at home.

amazon, ebay, those retailers will be well if you're looking for stocks to reform. but they will be a scapegoat. this is a large time, 30% is done during the holiday season and if they don't produce in the short season, they're going to have a problem. and guess what? konica starts today and the jewish people may have bought their guests for hanukkah. some of these gifts may not manifest theelves and noto be a risk. >> that's a good point. the argument is that evn if the retailers talk about this, they are just sort of lobbying, you know, keep yourselves from later on and that may not be the case. all right, to the boost more people of by urban areas

involved involving various sizes going very strongly. what do you think that is same thing. >> this is ironic as sitting around,visiting family, in the name of the young royal family only flavor. even with these is helping the company's get smarter.

they are flavoring used in selective fire and brands fire and brands like lethal and they are setting fres and with as i please, you have to make this stuff, i think the big winner here is some info from royals and stuff like that.

the one you are saying that they are putting people in into further thing i think of coming at you now. one would think?

>> enables the likes of hitting something with me. interesting flavor.the monad.of. >> i think so. you see a lot of these companies coming out with a low-calorie dollar menus and very affordable so you have to find something that will hit the consumers. and i don't think it is something like a pretzel bun.

neil: gentlemen, thank you. have a great thanksgiving. two thank you. you'll like real turkey, he likes the stuff that imposes as turkey. only gets worse from there. we will have that next. how to get along with that guy tting next to you at the dinner table tomorrow so that you do not end up throwing food at the thanksgiving day table. i am here to help. these are my thanksgiving tips for you all (announcer) scottrade knows our clients trade and invest their own way. with scottrade's smart text, i can quickly understand my charts, and spend more time trading. their quick trade bar lets my account follow me online so i can react in real-time. plus, my local scottrade office is there to help.

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i want to explore this. in y family, duct tape will be very helpful. and libertarians and a socialist green party reporter, what could possibly go wrong. if someone says they don't have fox business, i will tell them to demand it. you can send a tweet and the point of this segment is to avoid that. how you avoid these, how do you survive? >> i think that i drink heavily. especially for people like rick. >> yes, you are a strong

conservative. and how you handle that? >> i think you just have to have a discussion. i don't think it's wrong to bring it out. it's what's on everyone's mind. so you talk about what is important to you. and you laugh and you drink and say okay. how abt that? [laughter] [laughter] >> how about celebrating woodstock? [laughter] [laughter] >> bring a good spoon, bring it and do the best you can. and my dear friend makes me look more conservative than some others. so the arguments or between

liberals and liberals. he comes close. >> but you do discuss politics? >> absoluty. politics are unavoidable, but not so much anymore. the one you are such a genius. [applause] >> even my 96 or old mother-in-law, god bless her, she probably has mor marbles than i do. but my major concern is merica. i mean, i am not political anymor i'm an american, and that is what we can do. >> i'm not talking about the death of america but, you know, i know you've heard it before and no one wants to hear it, but i'm going to say it anyway. the ascendancy f china, we have just coopleted -- there were two developments that just happened in the lt few months and i can't avoid mentioning this, especially at thanksgiving. >> absolutely. it's so interesting.

>> we closed our government, we did not agree on a hard reopening. >> i agree with rick. i'm not as astute as him. >> go ahead. say whatever you need. >> 10 minutes ahead of time, a half-hour ahead of time, the chinese are 10 years ahead of our time. >> don't overeat on thanksgiving. that's my only tip. [laughter] [laughter] >> of long-term thinking of don't overeat. [applause]

>> especially when what we have gog on. >> i'm talkin about the peta people. they are having a bad day. the turkeys are getting their heads chopped off. the one we are all different his first political situations though. i'm not nearly as often as others are. but they did have the jfk special on the history channel, and i do keep up on that. [laughter] [laughter] >> i'm going shopping on black friday. macy's has a great deal going on. the one what's with the chitchat? >> i like to make fun of my democratic family members and i like to give them a hard time. [laughter] [laughter] >> you know, we are doing our best nd you have this, whether

on the right or left, when people get a little nasty, how do you handle it? >> i crack jokes. i mean, i don't pick my friends by the politics or my relatives at all. neil: and many of them would pick elsewhere. [laughter] neil: doing it you have rules? >> no rules, it's a free-for-all. >> i have rules, but i never follow them and that's my problem. i know that i get carried away. and i know what people say. [laughter] >> when i hear macy's is open on thanksgiving, i say what have we done to our country. [laughter] >> oh, you are so grumpy. [laughter] [laughter] >> that's not the right thing to say.

>> is clearly going to be thrown out of his thanksgiving dinner. >> the chinese restaurants are excellent on thanksgiving. you've got a good place to go. >> with the point that you have to worry about is that the chinese restaurants are open, but i restaurants could be open as well. neil: you guys just sort of goal with the flow and you don't make a big deal of it. but you must let it go, right? or don't you? >> actually have one of those. >> usually liquor will help you with that. >> there have been times. [laughter] [laughter] >> but we do have, seriously, there are times when we argue. but we we know going in that that can happen anytime and it has never affected our relationship ever. >> rick, you have one big edge talking to you. >> actually, i agree.

>> yet try to when the sky over.ppy and halthy thanksgiving. >> monday with melissa frances is next. >> i am melissa frances and i have a show for you tonight. all around a special powerful of the best and funniest and liveliest segments we have ever done from your most annoying co-workers to why a shared the decaled brings marital bliss. who is to blame for your workplace blooms a of a the power of negative thinking. if they say that glass is half full they are lying. even if they say it's not, it's always about money. melissa: