a go. ♪ >> voters are ticked. welcome come i am melissa francis in for neil cavuto and the obama administration investing millions from the health care insurance mandate. americans whose policies were canceled won't be penaliz. arkansas governo says democrats still have a lot to do to sway the public by november's election and that's a long way aay. >> people have to remember that 2000 cortinas year in which they try to navigate this impossible health care nightmare.

melissa: the president is betting that things will clear up when the dust settles. everyone will have better insurance and they will forget the nightmare that it took to get there >> yes, everyone will have a eunuch want for christmasa well. [laughter] melissa: my kids would love that. don't joke with me. >> structurally obamacare was degned to fail bause of a couple of reasons. it was going to add a lot of sick eople and put them in the pool. somehow magically with all of these new people taking one these new people taking more now on a putting lesson, the president said that you are going to reduce the cost. melissa: and i went always press people. i just don't understand how you think that that map is going to wo. they woulday that there is tremendous cost savings that will pay fo these expensive people. lo and behold, we han't seen those tremendous savings. >> the only way can it can work is if you have an extraordina

infusion of very young and healthy anvery inexpensive people who are paying more th the market. they are staying on their parents policies untilhey are 26. andthey just are going to take it. melissa: my mother-in-law's policy was canceled. casting aside the ones that we don't like, do we have the ability to do that? >> i don't think we are. the republicans can sing likely delayed make changes and the response was always that it is the law of the land and that was the g answer well, if it is, then you can keep doing all of these things you're doing to change it.

but the president today, he comes out withhis new idea of what we are going to do, we are going to delay the implementation, let you pick up a catastrophic policy let's roll back a few weeks when he said that the reason that you had to have th obamacare policy s because of what people had before, it was junk insurance. melissa: you thought you liked it, but it was actually a terrible picy you should not have had. >> righ. and did he get better all of a sudden? >> no, if it's a dumb licy, it's a junk policy. and so i think thepresident has talked himselfnto a deep hole. and whatever he does, it is not going to fix it because he keeps changing his own tune and position. melissa: i always go back to the math. thers a lot of people that signed up because they were thrilled and desperate and willing to sit through whatever it took on the website because they didn't have any health

care. but right now, who are paying for those people? >> the taxpayers will pafor it. you will be heavy subsidized. but the 15% that we thought we would keep hearing, a lot of those just didn't want it. but there are people from obamacare will work, it will be the very sick people. but we could have done was fixed that and not disrupt the insurance for the other 85% >> lee would've doe a is to subsidize it. there's no other way. put them in an independent poll. anthen we do it where we have co-pays and deductibles and premiums, and it's stale. and then they get impoverished by their diseases, many that are beyond the capacity of any family to pay for it. melissa: weroll back time, we had this option like you just described, that would ensure these folks. but the upside is tt it's not going to disrupt the rest of the

health care industry. if we would've had that at this period of time. because it is -- it's more one of government. and ytime you get government involved, it is a disaster. is basically wt we have done. >> yes, and we alrea had a model. it was passed in 1982 by the tax equity family responsibility act. and it made it possible for families who had this to be placed within the medicaid system without having toe impoverished to qualify for it and it really is the way to make this work and it can work in a dozen plus the family's budget and it doesn't skew the market. >> yes, we were talking about thisthe very beginning of is. and i'm wondering -- i mean, what does the public at large, what is their perception? it so hard for me to tell. i look at the polls and they say different thing

67 say that they would like to delay obamacare. so do you really think in your heart that they think it this is a mistake? >> if you look at what has happened, this is the only bill that i can think of where the american support has waned as timehas come on. people get used to it, thy get more familiar and they begin began to say that it's not that bad. but in the case of obamacare, it was split down the middle and now you see the numbers continuing to move with people saying that this is really not working. and it's not just a website. melissa: affect the tip of the iceberg. we appciate your time. okay, so this ist going to help democrats either. administratn officials knew about the security risks before launch, but they still didn't do anything to fix it. analyst ays thathere were 12

sites that prove it. >> i didn't actually happen to the sites is i identified a number of vulnerabities inside of a number of state help exchange webpges. >> what did you find? >> well, what i found was that a number of states had bpages that are portable with very simple explications of vulnerability. melissa: i know that you found a couple that were as vulnerable and i'm surprised by that. kentucky, rhode island, were those better? >> ey were not portable to this flaw. kentucky and rhode island especially. but there were a number of states whose health exchanges were vulnerablto this.

melissa: what is the particular thought you were talking about? >> there is a flaw in the programming that allows what is known as a road access poit to collect user credentials and names and passwords and if a hacker has access to that information, and here she also has access to all your rsonal information as well. andi think that that information can then be used to mmit identity faud. melissa: the areas that have this portability, new york, nevada, live in new york. would you just avoid the website altogether? >> not necessarily. but i wouldnot ecommend signing up or accessing your accounts from a public wi-fi service povider. melissa: kennedy fixed wimax much we haveheard is that it's

very hard to patch them and you have to start over from scratch and what is your opinion? >> i know for a fact that the vulnerabilities can be fixed. six weeks after we contacted the state of minesota, they agreed to it down with me and i met with them and i explained the vuerability and i told them how to fix it and in less than 24 hours it was fixed. melissa: mark, thank you for cong on. it is friday, that means we are letting you control a segment and we want you to send us a tweet. let us know who is not in washington and he was nice. nd laer we wi read your responses. the first, get ready for a not so happy new year. some of the market watchers sing that 2014 is going to be a disaster for some. ya know, with new fedex one rate

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>> tte reason i am pessimistic about this is that both parties are playing dickensian game of adding to the national debt. >> that terrifies me as well

>> where you see it going? >> i think you'll take out the 2009 wel and it's up to the financial individuals. >>hat's a long way down. melissa: that best economic minds in the country worrying about this much we get our spending under contr. generall david walker is confident -- is incomtent confident that the parties wil come together, sorry. when the think it will happen? >> i am not a stock predictor and i know about fiscal saity, i know about the numbers and we arelivi in a bubble right now even though the federal reserve is going to taper this by about $10 million a month. it's far more than the deficit. and we it ended up avoiding a government shutdown, but we are not dealing with the things we

have to deal with to restore fiscal sanity. >> we have gotten so good at ignoring these thing you look at the market and it is up today. we still saw go highr in light of that. but when the chickens come home to roost and what is the thing and finally that finally set off threality of the situation? >> and interest rates wise, the value of the dollar declined significantly. and that is when it happens and only god knows if and when this will happen. melissa: what would make other countries decide that we are really not going to pay our debt

that? a stop in, when we were going to give a couple budget deals are getting sequester. >> let's be clear. the united states will never default on its debt because it is guaranteed by the constitution of the united states. and the question is what interest rate will we have to pay. right now we don't have to rely upon other people. the federal eserve is ying all of our new debt and more and the key market plaaers including china haverty decided that they arnot going to buy our long-term debt but short-term debtorder to mitigate this and currency risks. so we are living in a bubble. we need to get our fiscal house in order and the federal reserve needs to get back to more normal monetary policy. and only when that happens only know what real interest rates are. right now we don't know what the interest rates are.

melissa: you mentioned this an it's really a shell game that is going on, i don't think enough people are worried about. what is the danger that? >> well, the danger is you can't spend more money than you make. melissa: we can then we do. >> you can do it for a period time, but it's not a susainable strategy. there are other countries have tried to do that in the past, not as large, and we are not exempt from the laws of this aad prudent finance. and hopefully as part of the debt ceiling women, you're not going to get a grand bargainto get a ew president, but lst we could agree upon a goal. let's get public debt to p and keep it there. and that will force the issues that i have mentioned. health care reforms, tax

reforms, it will force them on the table because you just can't get there without deaing with those. melissa: david walker, that's a very sobering. so what happened to all of go right wingextremist talks? >> mm last two days with willam paw and i spent a lot of time an and i've grown to really like him. melissa: has he been dipping in the holiday eggnog? has he turned a new leaf on the my customers can shop around-- see who does good work and compare costs. it doesn't usually work that way with health care. but with unitedhealthcare, i get ininformation on quality rated doctors, treatment options and estimates for how much i'll pay. that helps me, and my guys, ma better decisions. i don't like guesseswith , and definitely not with our health. innovations that work for you.

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melissa: so this is the senator harry reid that we now. >> the republicans were against

things. they are obstructing things and it's totally unprecedented. melissa: and this is the senator reid that we don't know. >> i met with william palmer last few days. i have grown to really like him. he wants to get things done here. and i fnd that wonderful. melissa: who was hat guy harry reid praising rand paul for crossing party lines. going to liz macdonald now. figuring it out, hashing it out. >> i also like what the senator said. ihope i don't ruin his reputation. but that was so funny. but it's always great to try to reach across party lines to get things done in wasngton dc. this isa refreshing moment and let's revel in it.

meliss: adam, i think maybe he was drinking too much eggnog. [laughte >> i think it is a good pre-christmas moment and i happen to agree with liz macdonald. wre i agree if this is an aberration. maybe he was in a go mood, maybe they did have a good meeting. maybe he is optimistic. unfortunately, we know that it's not going to last. melissa: that's right. suggesting anything that they can work together or that any of them wants to reach across party lines and i think that is at the country needs the. melissa: what exactly do you think they would achieve? it is hard to imagine what they would come together on. >> absolutely. i can understand where you are coming from. >> they still have to have immigraon reform.

and there is still, you know, there's government spending. because congress understands this. but the question is this agood thing for the united states? we saw that in california. whether or not it's good for the country remains to be seen. messa: is rand paul becoming cool all of a sudden? may be here he is the guy tht everyo wants to like? there is an ab in t flow these sorts of things. he is articulate, he has a folling. and politicians. and i say this in a positive way. politicians understand these things. wh you see someone who has a folling, it would be correct to have good instincts work with them. and whether we are talking of these who are other leaders, i

see him as opportunities for politicians to be working with each other aoss the ale. in the ccuntry was built upon compromise. we will have a budget. too many repuicans in particular. but also some democrat ave said that i don't like the budget. i don't like it. well, too bad, your job is to compromise the. melissa: i mean,i don't know, if you're a fan of small government, you wouldn't would think that this is built on gridlock. >> the entire country of belgium, it ran withoua budget. for years and years. and we don't want to look like that. and we can't do budgeting on continuing resolutions. but it is a part of things of the american people are not aware of. people need to come together nd get cnfdence back, which is really something that has been gone for a long time. >> i likethis, harry reid said

that although he is well awa that political opponents thrive on making him miserable, adobe to give you names that the handful of people out there are part of us. and he only wants to make me miserable part of the time. >> i think it'sgood for political antagonist to fight with each other. it's good for them to disagree with each other. and business people do this all the time and they say tat we have an idea and somehow says that's a terrible idea. okay, let's talk about it, that's what we should be doing. and let's then move forward. >> it is true. wonderng what these guys are like together behind closed doors. he's the network and we may fight on the show and then we are all in the elevator and all

friends. these guys want to stab each other on the elevator what? >> senator chuck schoener said that i like talkingto them as well. >> thank you guys, i appreciate it. melissa: coming up next, how local sam is doing the same thing here and it's only getting (announcer) scottrade knows our clients trade and invest their own way. with scottrade's smart text, i can quickly understand my charts, and spend momore time trading. their quick trade bar lets my account follow me online so i can react in real-time.

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melissa: it looks like @%vernment csorship is alive and well. google transparency reported removing all my context. it is up a whopping0% this year. this afterthe scandal with the nsa. google commenting that one trend has remained consistent and governments continue t ask us to remove political content.

then brian doherty says that the u.s. has been looking like a nhtmare. >> it is the definition of it i 14, the big government was capable of throwing information, people that didn't want you to fall down the memory hole. if the government has the company discover things from their server and google goes one and complies, that is extremely frightening. the nsa scandal says that the government wants to do this and they also want to control everything we read in the digital age. melissa: what are they asking? >> in a lot of ases, it is -- they are calling it a defamation thing wher they or they think that something written were a video on youtube portrays a government official on a bad light and they are asking about that as well. they are making copyright claims

that the government produces and politicians speees and i do want to say that google does not go along with these all the time and they are gooenough to arn and the reason we knw about this is because google fits into the transparency report about this and certainly these solutions to the damation has been the same as defamation of character for anything else. not trying to wipe the alleged definition public record. the. melissa: i'm confused because it's like an american pastime. there are whole shows a night based on doing this in a hysterical way. and what what makeshis so much more to various? >> well, it is the part where they're trying to stop a and they are trying to say that we don't want these eressions to be available. >> what becomes particularly offensive? >> we don't know. anything that the police officer

judged as signs, we are going asked google to get rid of it. and again google doesn't just bend over and do it all the time. but it's extremely upsetting. >> google is on this pr campaign and it looks like a lot of the social media sites and websites have cooperated in the past with the nsa fishing for information. suze is part of their pr campaign to say wait a second, we are being forced to do things by t government and you should understand that and those that were? >> googl has been trying to separate itself fromthe way thhe government uses it to approach thingsn the right. they cried foul and was revealed that the nsa was probably grabbing their data links. and indeed, this information we are talking about that come from google itself.

every year they released their transference airport a you can look it up online and it lists the reasons in numbers and google definitely wants us to think that they are on our side at least a ltle bit. but if they were on our sid completely, they would never comply. melissa: id guess you are right. judges have aske us to remove them from critical information and this includes shining a light on the conduct. local institutions don't want peoople to ind information about their decisn-making process. that's not good. >> right, that is not a part of it. and even if they think they should have a legal recourse, they should never be too wiped out the expression, it should either be trying to set the story straight or you shouldn't be able to just say okay, let's wipe s out the. melissa: okay, thank you so

much. melissa: backlash for making big bucks. the baseballlayers have fans the baseballlayers have fans that are cheering them on. ju by talking to a helmet. it grabbed the patient's record before we even picked himp. it found out the doctor we needed was at st. anne's. wiggle your toes. [ driver ] and it got his okay on treatment from miles away. it evepulled strings with the stoplights. mambulance talks with oke alarms and pilots and adiums. but, of course, 's a good lister too. [ female announcer ] today cisco is connecting the internet of everything. so everything works like neverefore. dave's always wanted to do when he retires -- keep working, but f himself. so as his financial advisor, i took a look at everything he has. the 401(k). insurance pies. evenmoney he's invested elsewhere.

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3,000 days. because of gasoline's high energy density, yr car doesn't have to carry as much fuel comred to other energy sources. take the energy quiz. energy lives here. melissa: if greed is so bad, why is there a backlash against this? basebal players making far more than many. joe perry says it is the same news that came out about banker pay, and the media woul jump all er it. is it always media's fault? >> yes, absolutely. [laughter] >> is always the media against the bankers and corporations. melissa: you poor thing. and why are you not weeping?

[laughter] so jonathan, what do you think? wh is there no outrage over professsonal athletes? >>ell, professional athletes are only doing it for the team. and that is athletes that are being very altruistic. and they are interested in making money and that seems to be a very bad thing. >> they had t highest average pay fo th50th consecutive season. an astonishing $8.1 million. actually heard someone in a radio interview say that the reason why they are so bad is because the yankees are overpaid d fat and lazy and they don't care. so those are some harsh words. what do you think? >> well, i think first of all that iis -- it's a proble

with where the priorities of the american people are out. the baseball salaries and no one is saying a word. ticket prices keep going up. the ballplayers are in it for the love of the game and the money. let's face it. >> the only problem people should ave are those who are paying those wages. and highly paid sports stars are worth it. just like a good ceo, a good sport star makes multitudes for the company for which they work versus what they actually make oerwise. >> we e keeping to go up and up. and i don't know. are we getting a? i think that we are selling a

stock. and with people, the economy is down, people are uncertain with what is going on in washington and they want to be entertained, so they overlook the prices that they are paing. and you lok at this, they are providing jobs, they are providing with the economy and the country are doing, and i think that they are worth more than their salary. melissa: you are a brave man. joe is trying to make the point that these ceos are pilloried in the media and out in the plic in general. >> both are valuable. but it is determining what it is worth. including he is not worth this amount of money or that amount of money.

and so more power to em. the same thing with the ceos. and i think it is up to us in this guide. we vote with o dollars, we don't go tothe games i think the players are overpaid. melissa: my family is tampa bay did bayfans and those games are getting emptier because they're not playing well and peoe are voting with eir dollars. when you see ceo running a company, you don't like it. it's the american way. we vote with our dollarsn show, i give you the last word. >> i like that. we vote our dollars. we have to pay more attention to both sides of the salaries,

except for the fact that i look at the families who sffered paying high ticket prices for baseball games. the. melissa: guys, thank you to both of you. next up, a very special holiday edition. who in washington would make this year's naughty list? send me a tweet next. ♪ ♪ rocking around the christmas tree ♪ ♪

melissa: it is time for you to let loose and tonight' holday edion. david asman is here to react with what you are shouting about on twitter. first off, who in washington has been naughty or nice? john boehner. senator harry rei another. harry reid h to be a tough choice. merry christmas. and no such thing as a nice list in this case. >> that is harsh. >> let'start at the top, president obama, for making promises thahe couldn't deliver o melissa: that is very knotty. >> leading the nation down a path of dependency instead of independence and always accusing others of harsh rhetoric when he is the one who does i and then you can see the other one e i have.

>> there was someone in between. >> yes, he is allowing himself not to be pushed around by politicians but also by wall street and the common man suffers as a result. melissa: chip wilson, the founder of lulu lemon, said the reason wh the pants didn't perform ell, he said it'sot the pants come into your big fat butt. i think he said slightly different words, but a lot of women inside the beltway and without a belt. we were all about that. >> okay, again i started to talk about this, ted cruz, he stood up on principle. when everyone else told him to sit down.

even as they were public and opponent, like john mcca, calling him stupid. and he propos measures compared to wifebeating. and now they are supported to most americans. for placing his party in crystal-clear oppositions to a vastly unpopular party just before the nature of the election. melissa: so what about jeff bezos? i mean, he knows how to take risks. >> that's right, some people have a problem, but he definitely knows what he's doing. >> it was just like so muh, i was trying to figure out where to draw the line. next up, is it okay to re-get a

present? fox news has shown that up to 70% of people are okay with this. and just make sure that your original gift or is not the recipient. and chia pets are the only things that should be rejected. finally, so have you ever rejected? >> yes, i have. i got my wife all this stuff and we traded it in and these cufflinks were as a result. >> that is returning. >> it was repeating to myself the. melissa: are you unclear? >> you just give gifts and ten they go their merry way, wherever they want to go, if someone wants to reject it, it's totally up to them.

melissa: it can be very dangerous. i just don't know. >> you can do if you guess what eryone. even if it's giving them to others. melissa: coming up next, why investors could soon be ditching ♪ wow...look at you. i've always tried to give it my best shot. these days i'm living with a higher risk of stroke due to afib, a type of irregular heartbeat, not caused by a heartalve problem. at first, i took warfarin, but i wondered, "could i up my game?" my doctor told me about eliquis. and three important reasons to take eliquis instead. one, in a clinical trial, eliquis was proven

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until this blows over? what do you think. >> but a lot of consumers felt the same way. ut we are not going to know if the damage is significant. >> this is like natural disast, a hurricane, whatever, it just happened to hit in a town and a country and coastline melissa: it happened to people who are going in on foot, you don'expect it in pern. i feel like people are going to steer clear of this for a little while. >> i think the average consumer ignores this and i think they come in and say that this i terrible. and some will avoid it. and i think that -- if it drops

any further, i think it's a buying opportunity. melissa: a new study showing that we have a new struggle with innovation. so maybe maybe we should be a part of that. >> yes, i have become a littl reticent about technology an innovation. and you're happy to sit back. and jeff bezos was 33 when amazon nt public. and so what does that tell you? >> i don't know, this is like you can't teach old dogs new tricks. and they should demand their money back. >> exactly. the one thing, i would have a different opinion because the one thing that the yngsters

don't he that experience. so i'm going to go with the older ceo becausthey got those two factors. i don't care what kind technology they have at their disposal. >>ust determin the last time we said we didn't need to listen warren buffett any longer. it was right before the internet bubble burst. and now he has lasted all te way since then. >> is always the exception that proves the rule. name another individual thahas turned things around. i think that lewis still still shy of 50 are sold under my avengers 51 we turn this around. lissa: what we sang? >> look at guys like richard branson. turning money out of souvenirs. he gs an idea. jeff bezois the same way. heunderstands how to take risks. i think there's a lot of guys out there th do.

and this includes what tools you're ung to do it. see what you trust those guys? is that inspire confidence? is ainventor and innovator. >> bill gates, just with every one of these gys, steve jobs, they need this. the guy brought in a guy from pepsi, i think he brought it in to help at a time of transition. and i think that they do need light hand they can learn thes skills and move on themselves. >> he seems to be able to reinvent and remarket again and

again. >> yes, i think that eln musk is part of this and i am fascinated. there's nothing he can't conceive. melissa: herecomes the beautiful music. it itimeme for the nightcap. gary smith, ere you watching this week? >> i am watching the credit card companies, mastercard and amazon. they are makingall kinds of all-ti highs. maybe that means tt i have underestimated things. >> i am watching holiday car sales. >> i want to know what that

stomer is doing and we are leveraging it up to and gentlemen, thank you so much. merry christmas and happy holidays. don't forget to watch me on "money with melissa francis." 5: p.m. eastern the f business netwk. thanyou for watching. ♪ ♪

kennedy: heeams that we adore heand knowing no bounds. and the plaers and teams and owners and fans, when they cross the line. conssions a subdizing stadiums, we are in it to win it. tonight, the topics that go through our heads. we are "the independents." it is time to play ball. hello, i am kennedy. i have matt welch