you could argue the market -- david: i think so. these are one of those days you want to go, whew, what a day. liz: "money" with melissa francis is next. melissa: a new hit on health care. your personal habits could cost you a lot of money. new rules under obamacare could mean financial penalties on your life-style. we've got everything you need to know, because even when they say it's not, it is always about money. melissa: so just in case you aren't feeling the wrath of the health care hell yet, a new report that obamacare could cost you big bucks just for eating junk food, not exercising. fox news' jim angle has the details. >> an officer with the national union of health care workers said today that under obamacare

things such as smoking, obesity and other health conditions can force even those with employer-provided insurance to pay more. >> i run about five miles a day. i don't drink. i don't smoke. and by the kaiser wellness program that a number of employees who we represent are covered by i'm two pound from being overweight. >> kaiser said in the statement their program is voluntary and charges no penalty for individuals who don't reach the program's goals. the rules for such a program put out in a regulation say quote, the program must be reasonably designed to promote health or prevent disease. >> there is such a lack of precision in what is going on @ut there that, it is kind of troubling that this was so heavily incorporated into the affordable care act in the way that it was. >> wellness is very, very popular in the corporate world. companies are just beginning to post some pretty severe penaltys. >> in workers don't participate

they can be charged up to 20% of their health premium, going up to 30% in january. employers like wellness programs because they think they attract healthier workers. for instance, cvs drugstores 5posed measures. walmart penalizes sneakers by as much as $2300 a year if they want coverage. and one analyst says the 50% penalty for smoking permitted by obamacare is assessed against the entire cost of the plan. >> so if you have a plan that costs 6,000, typical employee would pay $1500, he, his 50% penalty is for the full $6,000. so that would be a 3,000-dollar premium increase. his premium, out of his pocket will triple if he's a smoker. >> morse also argues wellness plans can be very intrusive, asking a series of rather personal questions. >> have you ever had a total hysterectomy? how much do you weigh? during the past week i have felt lonely, yes or no? during the past week i have felt

sad, yes or no? >> there's an ongoing debate whether or not these programs save costs. one analyst argues they save more for medicare than employers because old age is one when unhealthy life-styles catch up to us. melissa: very interesting. should obamacare be in the business of fining you for what the government deems a bad habit? here now fox news contributor dr. ben carson, radio talk show host ben wick letter. dr. carson, let me start with you, what is your reaction to all this. >> well i certainly like the idea of wellness. i've been advocating that for many years because our health system is built around sickness f we built it around wellness it would be much cheaper. what i don't particularly like having the government impose it because it becomes too arbitrary at that point and, you know, i don't like the idea of imposing extra penalties on people because you've determined that their lifestyle is

inappropriate. what i like is, a situation where everybody knows what the costs are, and if you happen to be living a particularly good lifestyle, maybe you get some reduction in the amount you're responsible for. if you keep adding money up and penalties, people never know where they are. they never can plan anything. melissa: i don't know. i mean, ben, i would ask you, is that semantics though? that is what really struck me during that story. is there a difference between giving someone a discount for joining a weight loss program, which they have done in the past or smoking cessation program. they have done that in the past and people have been fine with. that is there a difference between that and penalizing people, charging them, for the bad behavior? >> melissa, thanks for having me on and dr. carson, pleasure to be here with you. i think we actually, all three of us agree that it's great to by people a discount for having healthy life-styles that reduce their health care costs and that's most of what this program does. it is actually only the smoking that you pay extra penalties.

melissa: i'm not saying that i agree with that. i'm saying is there a difference? i'm just conducting discussion. >> good question. i think there is big difference. there is difference between having your monthly premium and seeing it go down versus seeing it go up. the studies found for every dollar that goes into wellness programs you get $4.30 back in reduced health care costs and reduced absenteeism. that makes a lot of sense to give people discount on premiums in order to have a healthy lifestyle. i think that is great. melissa: i think it is math and semantics. give everyone more expensive health care policy and charge everyone the smoker rate and by the way if you quit smoking or don't smoke, you get a 100-dollar discount. it is more they're setting arbitrary ideas what is healthy is good for you. the example in the package that we watched just before this was someone who runs five miles a day and ostensibly very healthy but is close to that number,

that bmi, body mass index, where they're technically overweight. are the calculations too imprecise to make sense, dr. carson? >> they're much too imprecise. if someone is bodybuilder and mostly muscle mass, and may look the same as someone with mostly fat mass but their weight will be considerably different. that is the one of the reince i don't want a bunch of bureaucracies making these decisions. the whole thing that is troubling penalties penalties, penalties meant to control people's behavior. this is a way to get your foot in the door. pretty soon we'll be penalized for everything under the son in order to creel us. we have to look at the big picture. melissa: ben, i agree with that point that is troubling especially when you pile on top of it questions we heard at the indof the story, have you been said lately? have you been depressed? have you felt lonely? they start to go into deeper territory rather than a black or

white issue whether you smoke or not, it becomes another government overreach, does it not. >> all of those questions that the invasive personal questions are things that you used to get asked when you applied for insurance in the first place. you don't get asked those things anymore because now preexisting conditions can't be a basis for denying insurance coverage. we're talking about wellness programs that companies voluntarily opt into in order to help their employees stay healthy and not get sick while on the job. those are not impoised by the government. those are decisions that employees make. employees can voluntarily participate or not. they get discounts if they do and pay higher premiums if they don't. melissa: dr. carson, do you agree with that? cvs imposes a $50 a month fine if you don't answer the questions i guess you could not take the insurance or work at cvs if you don't like that. >> unfortunately those are not very good choices. like with everything, it requires reasonable people to sit down and come up with reasonable guidelines. this is what we're look lacking

with obamacare. we have the imposition of people's wills, those who know best for everybody else. this is why we get into these kind of situations. melissa: yeah. >> we could talk about this intelligently and come up with very good ways to incorporate wellness into a good insurance program. melissa: yeah, absolutely. great discussion. thanks, gentlemen? >> pleasure. melissa: just a short time ago senior sac portfolio manager michael steinberg convicted of insider trading. steinberg faces up to 20 years for each of the four counts. let's go to jo ling kent for more. jo, i heard there was drama in the courtroom? someone fainted? >> yeah, that's right. steinberg himself actually fainted according to reuters just as the judge was announcing jury would come into room and deliver what would end up being a guilty verdict. what happened paramedics went inside. they took his blood pressure. he drank some juice. he stood up again. the judge said we do care about your health. they ended up proceeding from there. he was convicted of one count of conspiracy, four counts of

securities fraud. and he will be sentenced on april 25th. so a lot going on in this courtroom. according to his lawyer, steinberg has actually had this happen to him before. he had similar experience previously of fainting. so this is not something new for himps. perhaps there is health issue in question, melissa. melissa: what does all of this mean for steve cohen and sac and the rest of the case potentially against them? >> certainly, yes. this is the first conviction of an sac staff member. this could impact steve cohen and what the sec's cases against him right now. so we are expecting to see more play out but it will be interesting to see what happens in the conviction april 25th and what happens between now and then, melissa. melissa: absolutely. one of the other figures in this case, mathew martoma, fainted on his lawn right before he was arrested. really bizarre and dramatic case. thank you so much, jo. >> no problem. melissa: up next, don't despair if you need a doctor now.

a brand new app could revolutionize the way you see your physician. on demand appointment only costs 40 bucks. the founder is here to tell us all about it. very cool. if you ever feared not getting a job because of bad credit, senator elizabeth warren wants to be your savior. shy is backing a bill to ban credit checks by employers because she says they unfairly target women and minorities. what do you think? do you agree with that? tweet me. tell me what you think. it is today's "money talker." we'll be right back. more "money" coming right up clients are always learning more

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frequent heartburn medicine for 8 straight years. one pill each morning. 24 hours. zero heartburn. melissa: the doctor will see you now. for just 40 bucks. the a new app is about to revolutionize the way you see your physician. it is called doctor on demand. here to sew you how it works is cofounder adam jackson. the show is called "money." it is 40 bucks. is that all it costs? is that per visit? how does the whole thing work? >> yeah, that's right. the app is free. download it from itunes or android google store. no setup fee. no subscription fees. you only pay when you actually

talk to a doctor. melissa: how long does it take to get an appointment? how do i do it? >> it is actually on demand just like the name of the company suggestions. it take as couple minutes to sign up. we'll ask you a few questions at the beginning. what are your symptoms? what are you allergic to? are you on any medications? normal kind of medical intake stuff. then you get right in there and immediately video chat with a doctor. melissa: okay, we have a doctor right here on our ipad who is ready to chat. does that mean you doctors are on call 24/7? if i woke up at 2:00 in the morning and i have a sore throat and want to see a doctor right then, what happens? does your ipad ring and you quickly put on your jacket and tie talk to me. doctor, can you hear me. >> yes, melissa. so absolutely. we, our doctors are working shifts. they're licensed in the state upon which you're in. if you're in new york, you will get a new york doctor and illinois, get an illinois doctor.

as soon as you enter into your information it will estimate the wait time. you will be connected with our doctors anytime of day. melissa: how are the doctors paid for this, dr. basu? >> sure. we have an overwhelmingly positive response from our doctors. there is over 1,000 doctors part of our practice. and they're paid $30 out of every, out of the $40 for every call. melissa: interesting. what kind of stuff can you diagnose? because you know i feel like if i had a rash i could hold, you know, whatever body part it is up to the ipad but, you know, if my problem is high blood pressure how will you monitor that? >> yeah, that's a great question, melissa. so for a lot of the common, acute problems, coughs, colds, sinusitis, rash, a lot of those things this is perfect for. not only can you up load a app, buu i could have you push on your sinuses. show me exactly sore of where it is hurting and diagnose that

acutely. for things that you mentioned specifically treating sort of chronic care issue like longer term diabetes, longer term hypertension, that really belongs as consistent follow-up in your doctor's office. urgent care issue this is perfect. melissa: you feel comfortable, you know, prescribing medication that way? >> yeah. again for those common ailments, you know, the urgent care type of issues, antibiotics or other medications are absolutely appropriate for this type of service. there are certain types of medications we will not prescribe. obviously narcotics or pain medication. but for, you know, urinary tract infections, for prescription refills, for again, sinusitis -- melissa: that kind of stuff. okay. adam, how, what kind of demand have you -- is it up and runing? what kind of demand have you seen for this so far? >> we're about a week old. we just launched in 15 states last tuesday. you know, mostly the big states

and we're going to be in 40 plus states in january. demand has been awesome so far. people calling in. you know after the call they can leave their comments and rate the doctor and comments are coming back, oh, my goodness you saved me a trip to e.r. and saved me a trip to urgent care. it has been awesome so far. melissa: it would be for me, well worth $40 f you're sharing and giving them 30, how many doctors are willing to stand by the ipad and be ready to go to get paid $30 for a conversation? doesn't seem like it is enough. >> sure. this is volume game, right? if we're only giving them one call per hour or two calls per hour, certainly not worth the doctor's time. the doctor can see several patients per hour. when it nets out, you know, our doctors are actually being paid comparable to a doctor that would be in urgent care or primary care facility. melissa: real quick, because we're running out of time, dr. basu, the she is called "money." that is why i'm asking all the

personal money questions. >> sure. melissa: is it worth it to you, how much do you have to make it an hour to make it worth to sit around next to your ipad? >> that's a great question. which have shifts, see four patients in an hour, that is 120 an hour which is on par or more than what we make in the -- [inaudible] melissa: very interesting solution. thank you for bringing the technology to our show. got to tell you, i will probably sign up. love it. >> thanks a lot, melissa. melissa: up next, bad credit can prevent you from getting hired but with no job and no income you and your credit score could be sort of trapped in a vicious cycle, right? should potential employers be allowed to check your credit? tweet me, let me know what you think. it is our "money talker." have you heard of coins, it is supposed to replace your cash and credit cards with one little digital device. it may declutter your wallet or drain the money out of it too?

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melissa: got a boatload of debt and sketchy credit history. we have new hero for you today. senator elizabeth warren! massachusetts democrat is sponsoring a controversial bill that would prohibit employers from performing credit checks on potential hires. but isn't a company's right to know how responsible you are? this is today's "money talker", here to hash it out, julie roginsky, charlie gasparino, uh-oh, and tara dowdell. charlie, what do you think about this. >> half of me says i'm a civil libertarian. i don't want people prying into my private life.

this isn't private. you stiff a bank, credit card company, stiff anybody, a business partner that is part of your public record. by the way some of this is in the public. so why can't employers know about this? by the way if you have a history of stiffing people, you're generally not a good person. i would want to know that before i hired someone. melissa: work behind the register for example? >> i don't want deadbeats handling sensitive information in my business. melissa: are youing a grass if if -- aghast. charlie gasparino lays it out there. >> i'm aghast as charlie gasparino quasi-big government interference. no, listen, look, if you have, let's say you had a bankruptcy five years ago. you fell on hard times. maybe the market crashed. things didn't go so well. you're underwater in your mortgage. >> and you screwed everybody. >> wait a second. >> then you screwed everybody. >> then wouldn't you want to know -- >> reorganize your assets in normal way. >> wait a second. you decided you would be a

correspondent for fox business or anchor. why is it the business -- >> you skipped about 15 steps in between there. when you're in bankruptcy, you reorganize, right? >> so what is the point? >> my point is this, generally no employer is going to penalize you if you do the right thing. melissa: doesn't mean you will not get hired. just means they could look. >> your credit rating sucks. melissa: look at your credit rating. maybe you had a bankruptcy but cleaned up your act. >> no, they see the credit rating. >> they don't know they cleaned up your act? of course they do. they have a record. >> see the credit rate something bad. >> they don't see your --, with all due respect they don't see your credit rating after that. >> how is that relevant? >> you're changing the subject. when they see your post-bankruptcy record. >> what if it was six months ago? when what if it was six months ago? >> then you have explaining to do. >> no, you don't. >> with all due respect -- melissa: they may not care. >> they may care. melissa: they may not.

>> if you have a corporate credit card. why would they -- >> first of all -- melissa: get in there. >> hundred of thousands of people have identities stolen every year and takes so long to get that cleaned up. ask anyone who has been through identity theft, how long it takes clean up the credit report. we're talking years. should someone be penalized for something like that, through no fault of their own? melissa: hold on. >> why are we conflating identity theft which is obviously theft and bad thing -- melissa: because it ruins the credit. >> with, somebody legitimately screwing their credit report up? listen if my -- melissa: hang on. hang on. >> if employer came to me -- melissa: everyone say that. my identity got stolen. >> you can't prove it? you can't prove it? melissa: i don't know. >> bring a stack and ream of legal documents trying to get -- >> julie, you stiffed 15 people. did you or didn't you do that. >> i didn't stiff anybody.

>> then we don't have a discussion. >> there is big issue here of the there is no correlation between job performance and people's ability. >> how do you know? >> all kinds much studies -- >> i haven't seen one. >> you haven't seen one. >> i heard the gitmus institute that is not exactly -- melissa: employer wants to know if somebody's responsible enough to pay their bills. that there is, whether or not you think there is a correlation of performance -- >> let's be honest. you think employers are whacking people out because they were late on credit card payments? they're looking at major -- no. >> they did that on their record. >> they admit they discriminate, quote, unquote discriminate against people who have a long history of bad credit which they should. melissa: emo says one in 10 unemployed americans are denied job because of their credit report. >> who? melissa: demos. >> demos. they're credible.

>> your civil libertarian credentials. >> demos institute. >> demos institute and i are stripping you of your credentials. melissa: i think problem is, that when somebody comes in and they see, they have a bad credit report and go to their employer everybody will sit in the other chair say it wasn't me. my identity was stolen. >> that sound kind of dumb to be honest with you, they will sit there and not ask you for proof about this? >> you have to get proof? >> my point is this. why would, why would an employer just whack, if you're good at your job, why would they whack you out because of credit report? [all talking at once] >> this, elizabeth warren protecting deadbeats, deadbeats. no, no. elizabeth warren who hates the banks. elizabeth warren who hates the banks. who think that is she thinks that people took out loans can't

pay them back are wronged party. melissa: and c. pulling plug on this whole thing. thanks to all three of you. are you planning to buy a coin? the newest replacement for your credit cards. if you are, you better stay with us. this digital wallet may cost you more than you think. "who made money today". they're using a mullet and r to sell the latest product and who would have thought? stay here to find out who it is. next time charlie against 10 people. more "money" coming up. my customers can shop around--

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[laughter] melissa: this would have solved all of george's problems. think about never having to carry cash or credit card ever again. a new company coin, is making that a reality with its new

digital wallet. it can hold everything you have in your wallet right now, with one plastic device but how safe is it? tech know buffalo's todd hazelton is here to tell us if it is worth the risk. before i try to shoot holes in this let's tell everyone what it is and how it works. >> at its very simplest it is about the size after credit card, maybe a little fatter. it uses bluetooth to communicate with your phone and takes picture of existing club cards and credit cards. melissa: with your phone you take the picture. >> exactly. loads all the information into this device so you can leave your wallet at home theoretically, take this to any store or restaurant anywhere. melissa: there is little button on it to pay through with amex or this. even gift cards you can put on here and then you swipe it. >> right. melissa: problem number one, so i lose everything in one shot. the thief has my entire life. >> all the data is encrypted from there, if you move away further from a bluetooth signal

it alerts you that you might have left your coin behind. but i talked to the ceo -- melissa: what is it attached to your phone? >> directly to your phone. wireless. melissa: so if your phone moves that far away. >> you might have the phone in your pocket. if both are together you're at a loss. melissa: in a women es purse. leave your purse behind and somebody has it and steal -- >> if it is swiped too many times there is another alert, hey, there might be fraudulent activity going on. melissa: so the they're raising money. they have an indigo go site or something within the first 40 seconds they sold 10,000 of these for 50 bucks. after it comes on market it will be 100 bucks. >> right. melissa: what do you think of their plan? obviously people jumping on board if they sold 10,000 in 40 seconds. what do you think about it? >> my fear it took off way too quickably for even coin to recognize. i talked with the ceo. what happens if i lose my coin immediate, i want a new one? he doesn't know what is going to happen yet.

there is no support system in place already which is kind of worrisome for me. there is no retail presence. so you couldn't go to best buy, for example, if you bought it on line, he has no plans to be in best buy yet so you can't replace it. no international presence. so you can't use just it overseas. my biggest fear if you walk into a bodega here in new york city, for example, right, we take visa and mastercard only and don't take this, and they look at it, say no. your wallet at home there is no point. melissa: absolutely. what does this tell you about, so basically haven't necessarily worked out the kinks. >> right. melissa: doesn't mean with this kind of popularity someone couldn't come into the company to work out the problems. >> right. melissa: does this tell you the direction we're going in? people don't want to carry george costanza's wallet with them? what is the potential solution? >> i think so. i backed it with the idea of ditching my wallet. melissa: what do you mean you backed it? >> i bought one. put $50 in, hey, give it to me. melissa: yeah. >> but i think the problem is,

we've seen google wallet which works to try to do the same thing but with our phones. that didn't take off soowell. isis which is backed by verizon, t-mobile and at&t. it is still in the early stages but doesn't seem like adoption is there quite yet because the problem is, people don't understand, they're so used to, clerks in stores and everybody is so used to cash and cards, when you walk in to pay with your phone or this card, it looks like a card but black. kind of looks like a hacker device. melissa: we're always resistant to technology. people won't shop on line because they want to go in store and touch stuff. they will never order it. v online and lo and behold here we are. >> to be completely honest somebody has to do right and apple has to do it. i like apple passbook. it is great. that's probably where we'll start. melissa: todd, thank you very much. >> -- anymore. i got to get out of here. i got to get out of here! >> calm down. get ahold of yourself. >> let me handle this.

>> i -- >> calm down. get back to your seat. i'll take care of this. [screaming] >> calm down, get ahold of yourself. >> you're wanted on the phone. melissa: boy, that is what it feels like to travel during the holidays, right, before you board a plane for the holiday destination you want to hear this. you could be headed for a holiday to hell. fors put out the list of best and worst airlines for holiday travel. are you ready? it is too late, right? you already bought your ticket. you're bracing to see if it is on the list. get this nearly a quarter of all flights arrive late during christmas and you new year's season last three years. a quarter! are you paying big bucks to get stuck on the tarmac? we have co-founder of fare compare. it is depressing a quarrer of flights were late. i don't like those odds. is it because of weather this time of year or more people are traveling or airlines are just horrendous? >> well for the most part it is about weather.

but the problem if weather occurs for example in newark or new york area and in some of these kilocation it is trickles down all the way through thh country. a canceled flight in new york ends up being delayed flight in los angeles several hours later. so it is all about having one major storm. we saw this a couple weeks ago when they had the huge storm in dallas. the first time in the history of seeing 50% of all flights delayed or canceled that day across the country just because of an ice storm in dallas. melissa: no, agonizing. talk about the winners and losers because people at home probably already bought their tickets. they're already locked in. tell them if they have good or bad news. the best airlines. hawaiian airlines. 8.9% of their flights were late. >> sure. melissa: over the holidays. that is the winner. that is still like one in 10. that is not great to be the winner. >> yeah. airlines would love to have 75% of their flights, 45 minutes between island and 75-degree weather most of the time.

melissa: right. >> so i can see why hawaiian airlines wins but they perpetually win this particular contest. you can be rest assured, melissa, the airlines give bonuses to their employees if they have on-time arrivals. melissa: really? hawaiian does or all do? >> a few of them do. alaska airlines. melissa: alaska they're obviously in tough weather territory they're number two. us airways is the number four. that is the only major on this list we're looking at now. >> sure. melissa: of course they just merged with american who is in the middle of the pack. do you think they pull us airways down from that rating? >> absolutely they do. because what, there's a dirty little secret in the on-time arrival statistics business is some airlines actually pad out their schedules so they add an extra 15 or 20 minutes so they look better in the statistics. remember the statistics go in literally dozens and hundreds of media stories. plus people get paid on them.

melissa: very important the worst airlines, frontier, jetblue and southwest. i was surprised to see jetblue number two in terms of worst. what can they do to clean up their act real quick? >> well, they're going to be cleaning it up because they have a lot more presence down in florida and some warmer weather locations. because they're centered in new york and growing pretty dramatically in boston, two rough weather cities during the time frame i don't think you will see them get much better during the holidays but year-round they're actually pretty good. melissa: sean, thank you so much. we appreciate it. rick, sorry. my apologies. >> that's okay. melissa: boy, did we have some dire predictions on last night's show. forecaster harry dent said all signs point to an economic collapse. is the stock bubble about to burst? wait until you hear this. at the end of the day it is all about money. this is the quicksilver cash back card from capital one. it's not the "fumbling ound with rotating categories" card. it's not the etting blindsided by litits" card.

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seen levels like they are right now. are you saying there is bubble right now that is goes going to burst? is it equities? what is it? >> absolutely 100%, if the bubble doesn't burst in next year or two i will hang up my economic hat. melissa: that is it. he is on the record. that is economist harry dent throwing down the gauntlet on yesterday's show, staking his reputation on the idea we're on the verge of a major stock market correction, collapse, bubble burst, whatever you want to call it with the fed finally announcing plans to taper is the economic outlook for 2014 looking brighter? what does it mean for stocks? here to weigh in, buy stasi and jonathan hoenig who is also a fox news contributor. what did you think of harry dent? do you agree. >> he is proven to be a terrific contrarian. in 1919 he wrote a book, roaring 2,000s. melissa: are that way saying he

is always wrong? >> in march harry dent was dow talking to go to 3,000. today it set all-time highs. i discount a lot of his prognostication. markets have a tendency not to collapse but they have a tendency to trend. we saw new all-time high. we've been talking about a bubble. the trend remains up. melissa: we've been doing things to the economy and, to america we have never done before. i mean the fed is pulling out all kind of tricks. we don't know where this is heading. just because we haven't seen it before, doesn't mean that it is not coming -- brian, what do you think? >> this call would be comparable to me saying, i found a unicorn running around the forest. this is a reckless and ridiculous. here's the thing. we don't know there is bubble until market is 15% off the highs. joe the food truck owner is trying to pitch me a penny stock. we have don't know in hindsight. i agree with harry correction could be 10% middle. year because what we're seeing

in markets. for instance, massive dividend increases. what are they though to do? melissa: correction of 10% sometime in 2014. >> correct. melissa: you don't feel that is bubble bursting. that is just a big correction? >> that he is room alty check. >> that is normal tockstock market. that is what stocks do, melissa, 10, 15, 20% until they get to legitimate bear market territory. to brian's point we don't see all the evidence of a bubble. we don't see manic buying by public. got to get in that type of mentality. 1919 is a bubble. this is all do respect, harry dent selling his latest book -- 1999. melissa: where we are in the stock market is that justified what is going on in the economy? or is it a function of what the fed has been doing and what risks are we taking now as we see today, the reason why we're talking about this, the fed has signaled they are beginning to take away the kool-aid right here where we are. does that make you nervous? are we at risk for a big correction?

jonathan, what do you think? >> i think the risk is in bonds of the that's the area that has been manipulated melissa. whether ethanol, whether housing, whether student loans. when government gets involved manipulating to your point, results are disruptive. melissa: given what is going on with unemployment, given how sluggish the economy has been, there doesn't look like there is anything out there that is very positive in the economy. it is not getting worse but it is not going full bore. so why are stocks at all-time records? do you think that level is justified? brian, what do you think? >> this is case of high and the low. melissa: what does that mean? what is the case of the high and the low? >> the high-end consumers are doing well. high-end consumers are essentially driving corporate profits feeding stock prices. ultimately look what happened to the federal reserve. they tapered. stocks went through the roof. melissa: because they barely tapered. they are sewing seeds of a bubble. the reason stocks went up they barely tapered and said they would keep rates down forever. jonathan, basically the market

rallied because they said the fed isn't, they're sort of taking away a little teeny bit but they're showing they don't really want to scare us so we'll stay at the party a while longer, no? >> keep talking about keeping quantitative easing in place. medical are lissa, bonds were down today. bonds are down all year long. rates are going higher regardless what the federal reserve says about them. if you want to bet against bernanke, shorting bonds, not shorting stocks. that is what i'm doing at capitalistpig.com. >> great discussion. thank you. >> thank you. melissa: new way to get deliveries when you're home, can you imagine? who doesn't need that this time of year? i can't believe i didn't think that myself. the founder of the company and how he will make your life so much easier. stick around. you can never have too much money. [ male announcer ] e new new york is open. open to innovation.

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melissa: time for a llttle fun with "spare change." we are halfway through the holiday season. packages are flying around the country. but if you're not home during the day you could miss it, right? thankfully a new startup is changing all that, bringing the packages to you at your most convenient time. i can not believe i didn't think of this myself. lunar moon lit deliveries cofounder joins me now. tell me how this works. it feels to me i'm paying for delivery twice. how does it work? >> yeah. so you go on your amazon e-commerce retailer. you purchase a package and put in our address rather than your own or work. you ship it to us. we receive it for you. we ask you a simple question, when are you home for the night. from there we create a delivery window between your entry and midnight. we cross that with bunch of

packages in your area at the same time and let you know a small delivery window. from there we send one of the delivery drivers out to bring you your package. melissa: very cool. how much does it cost for your leg of the delivery? >> it costs 6.99 per delivery and deliveries can include multiple packages in them. melissa: how many packages, you said you cross reference with other places in your city. how many packages do you have to deliver in an area in order to make it worthwhile for you? because it sound like it will cost that in gas and employee's time to get something up and running for a make for seven bucks? >> sure, deliveries is a scale game. all about getting more packages in the system, more customers using it and more efficient with our drivers and fleet. melissa: sounds like the beginning of webvan. what cities are you in right now? where do you plan to go? where does this work? >> we're currently starting in san francisco. we have plans to expand in major cities which this is entirely a problem, new york, excuse me, we're already in san francisco,

chicago, l.a., et cetera. melissa: where does this lend itself? new york is a lot of place where people have door men or get door men to solve the problem you have to have a lot of depositionty for this to make sense. you have certain obstacles. what do you think your sweet spot is? who is your ideal customer? >> our ideal customer is professional in a city. new york has a lot of door men but a lot of people don't have door men. they have 60% of the buildings with nine or fewer that can't receive packages but definitely a problem across the board. melissa: if there's a problem with delivery and return it for size and get a new one is it then $7 to come back to you and 7-dollars to come back to me again. >> we currently don't handle returns and something we're exploring future deliveries. your first one is free as a new customer. from there it is 6.99 per delivery. melissa: what about weight? there was this great story about somebody with a huge 50-pound

kettle ball who couldn't get it delivered at home. was that you? is the origin the company, story i read about. >> that was me. melissa: that was you. that is very, very heavy. do you charge differently for 50-pound box versus, you know, a box full of whatever, pens? >> right now, no, we don't but it is something that we're looking into and we'll make some changes in the coming months and address that specifically. melissa: do you, who is supporting you right now? do you have venture backing? a lot of people interested in the business? >> there is a lot of interest right now, yeah. melissa: thank you, zach shapiro, thanks a lot to you. interesting concept. >> thanks a lot. >> "who made money today?" approval for the multimillion-dollar buy yacht helped hype the stock. a new ad for retro haircut might help as well. not sure who it is. the answer is next. you can never have too much money. mine was earned orbiting the moon in 1971.

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melissa: whether on wall street or 19 street,e here is who made money, owners of nokia. wall street seemed happy it has cleared hurdles. shares rose 4.7%. the new ta tablet may have had something to do with it? all right getting a huge raise today, hewlett-packard ceo meg whitman. making $1 for last 2 years she has worked to turn the ailing pc and printer maker, stock is up 21% since whitman took over, she will make $1.5 million a year now.

>> making mega-money, you know where i'm going, two insanely lucky winners of last night's $6 $636 mega-billion lottery. in florida $ 8,000 world of tickets of sold between 9 and 10, winners from atlanta, georgia, and san jose, california, they split second biggest prize in u.s. history. talk about a happy holiday. activity not me. >> that is why i'm here. i hope that you made money today, tune in tomorrow with ron paul back. trust me, you do not want to miss this one, last time he was talking about when run away inflation is so its way. we'll drill down on that and how much he hates the fedd

get your money fix. here is the willis report. gerri: i am gerri willis, on the willis report, senate passing budget bill cutting military pensions. we'll have reaction. >> and starting in 2014 it will cost more to get a mortgage. the new fees, january is d-day for fed, what will start of tapering mean for consumers? we're watching out for you tonight on the willis report. welcome to the wer willis repor, your her