burt said traditional radio is killing traditional radio. david: he said i use android for mp 3. they claim to have variety but play the same songs over and over again. cheryl: adam shapiro for melissa francis right now. >> bracing for financial apocalypse. is our economic situation scary enough to need a stockpile of food and firearms? we have a wealth advisor says it is better to be prepared than scared even whether they say it's not it is always about money. adam: wage rage, unemployment benefit for one million people

expiring tomorrow. the economic climb 3459 understandably caused fear and some unrest. one financial expert says it may be tile to brace for the worst and prepare for financial armageddon. david morotta joins us now. you got quite a lot of attention which the note you wrote, last thing you said for those who think armageddon scenario may be about to play out a firearm might be in order. that is not what you really believe is on the way? you think it is much more calm on the way, right? >> we have a number of clients who are worried about the direction of the country and they were pretty sure putting all of their money into gold and burying in the backyard is not the right solution but they're susceptible to financial armageddon videos and emails. we took a typical one of those with seven pieces of advice an analyzed each one how they were bad advice whether the world was ending or not and tried to supply better advice in place. number five was to store up on food and water and firearms.

and our blog post basically said there are 20 things before firearms. they are on the list but 20 things before the list is you need water. that is the most important thing for anybody. three gallons of day in the united states. >> you need three weeks of medications. you need stuff for your pets. you need a way to heat your house. you need a generator to supply. here in charlottesville, we were hit with "snow-mageddon" power was out three weeks. microburst laid down all the trees like a bomb gone off in middle of town. then we had an earthquake that rang the entire east coast and destroyed one of our staff members house at the epicenter. there is lot of things you need an emergency pack for and a firearm is on the list. we have deer in our backyard every day. so you can always eat if you have a firearm. so always a gadd idea. adam: talk about the financial realities of what is really at the heart of this some people are afraid, always people are predicting the end is nigh,

repent now, buy bitcoin, depending what generation you're from. give me an idea. you have $260 million under management. who is your average client? let's start there. a lot of us can relate to these people. who is your average client? >> our average client, we have 40% small business owners. adam: okay. >> and last year they had a target painted on their forehead for a tax hike. and this year they're looking at about $120,000 more in taxes. we talk a lot about trickle-down economics but we never talk about trickle down taxation. when you hit a small business owner with another $120,000 in taxes he has to pay that by going to part-time workers, reducing workforce. raising his prices. adam: again, i want to build a connection. i think my audience can relate to these people who ask questions which seem outrageous but actually are rooted in things that we all worry about. small business owners, roughly hough on average? don't betray anyone's privacy on

average how much do these people have invested with you? $500,000 or million dollars? >> usually small business owners have one or two million dollars. adam: okay. >> they are running a small business but income entirely flows on to their personal taxes. so we have the highest corporate tax rate in the world now. and we've just raised it up more than that. so that most of these people have about a 50% tax rate. adam: these are people who get hit when, you talk about the highest corporate tax rate, what one group of people will say, but all kind of businesses figure out how to get around them. yes, gigantic corporations figure out how to get around them. but these people, small business owners with maybe a mill dollars invested with you, they pay it. >> yes. adam: they're paying higher taxes with affordable care act otherwise known as obamacare. they're ones seeing contractions in economy that isn't recovering in pace it should be growing in

so-called recovery. they're the ones who are more afraid, correct? >> it is true. some of them, most people don't realize, that the rich don't need to work. so on of them will look at higher tax rate, i'm not working to give the government another $120,000. i'm more than generous with charities i support and people i employ but i'm not working for the government. i don't need to work. so i could retire anytime i want. we have number of small business owners and go john golf and retire around let the country go. they're afraid the direction the country is going but they don't feel like they're the herculean atlas to move the world. >> you referenced ayn rand's at last shrugged the producers you know what we're going on vacation as opposed to redistribution of wealth. at end of the day the questions about armageddon are really questions about, i am being required to pay more to give more of my earnings to do things that may not be working. that is at the root cause of

that question that got you to write a note about armageddon, correct. >> that's correct. and it is much more likely that we'll have a long and drawn out european malaise, than anything precipitous would happen in this country. i think it was the author of the black swan who said, the things you really need to worry about are the things that unknown unknowns that you don't even see coming. so that's what is on most people's mind is, these unintended consequences about the disincentives to produce in the country are producing in fragile systems and we need infragile systems, systems with the right feedback. and i think it was one of the things that you need to do is have the people who pay, the people who benefit and the people who decide if a service is given all be the same person. adam: i never thought in five minutes we could answer the question who is john gault. david, thanks very much for helping us, one, understand what was a serious response to what a

lot of people might think might be outrageous question about armageddon. >> thanks for having me. adam: what might be rooted at fear of what is happening with the economy. up next is twitter destined for greatness or is the tweet talk all a fuss about nothing? the social media giant slumping after its huge run yesterday. are investors finally waking up and realizing it is all hype? we'll get a break drown from both sides of this argument -- breakdown. call your doctor because your job is hazardous to your health. how career stress is giving you hour than a headache. more money coming up. k card fro. it's not the "limit theash i earnvery month" card. it's not the "i only earn decent rewards at the gas station" card. it's the no-games, no-signing up, everyday-rewarding, kung-fu-fighting, silver-lightning-in-a-bottle, bringing-home-the-bacon cash back card. this is the quicksilver card from capital one. unlimited 1.5% cash back on eve purchase,

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adam: everybody is talking about twitter and the unbelievable surge that stock had since its ipo including yesterday's rally giving the company an estimated 40 billion-dollar market cap but what goes up must come down and twitter isn't flying nearly so high today. a downgrade earlier sent shares sliding and ending the stay 9% lower. so what to make of all of this? jonas max farris, fox business contributor thinks you should be all aflutter over twitter and that it is worth getting in but

wealth manager spencer pat tan says it is much adieu about nothing. jonas i will start with you because i'm siding with the other guy. what on earth are you saying buy into twitter come on? it was $74 yesterday. they haven't made one penny in profit and will post losses in their first earnings report in 2014. what are you talking about? >> as they should in this fast growth phase. i don't want to sound like it is 1999 but you can monetize users today. it is not like that is a maybe business model like with pets.com or something. they have a quarter of a billion users. they're just valuing at company what users will some day be worth. it is no more expensive than facebook and really no more expensive than google. if you want to say all the internet advertising related companies, pure plays are overnight you can make that case because we will some day run out of internet advertising revenue growth, but on per user basis all they have to earn is $7 of active users, forget inactive

users which they have hundreds of millions. how is that so ridiculous. super bowl use earns $2 of few drunk people on sofa. they have to earn $7 per business. adam: stepser, begin the hate. hate on twitter for me. where is jonas wrong? >> when you're comparing twittory a company like facebook, that is saying that it is equally outrageous. i think valuation on facebook is crazy. twitter's values at $40 billion before they have made a single penny? you're casting, if you're saying you should buy this stock, you're saying that not only is this a fair valuation it should be even more than its now because that is only way you will make money. this stock is up someone hundred% in just about a month? so there's no way that -- adam: spencer, where do you think it is affordable to purchase this stock and make sense? >> i mean, i just think it is really uninvestable until it calms down, at least for my clients money.

when it moves 10, 15% in a single day, clearly at ipo price around 35, but until twitter starts to really produce some revenue and start to show it can monetize its users and we get an idea what real users it has because it is going through the same thing facebook went through except worse. adam: jonas, explain to spencer why he will keith canned beef-aroni for lunch on your wrong about twitter. i agree with all the stocks being overpriced, singling out twitter being overpriced is ridiculous. this is exactly what was said about facebook when it fell below $20 a share. they will not make money from the users. now what happen, it is higher than the ipo. adam: facebook at 800 million unique users. twitter you mentioned 250 users but a lot of those are bought. >> first of all like 1.2 billion at facebook but stock is valued at same per user fee. what you're basically saying they will never make money. they couldn't charge somebody $7

a year not to see ads? whole year use of service. that is feasible revenue model. i think you will drive 50, 60 cents per user per month on this thing hours a day. google has boughts. every internet company does. are they overvalued? sure. the only way you lose money if twitter gets unseated by a new twitter. if they keep the user base they have they will monetize it. there is danger in any tech stock they will go out of business, like anybody, blackberry, aol. as long as they keep that user base, not own grow it much, if they monetize it, which is, it is not 1999, they will get a few dollars a year out of these people in ad revenue. adam: jonas, who is buying this stock? if you think it's a mistake, who is making this mistake? >> everybody invested in any index fund or mutual fund is making the same mistake. all the internet stocks are equally overpriced or not, if you think the future will work

out for them. it is not like nobody has ownership here. facebook was added to s&p. almost everybody owns it. i own mutual funds for clients. they own a very large chunk of facebook relative to everything else. adam: spencer, you're getting last word. someone is putting a lot of money on the line and they will lose it in your opinion. who are these people? >> i think it is a raging momentum stock. i think it is okay to single out twitter, because that is one of only stocks up 100% in couple days really, when you look at the time it has been public. when you look annualized rate, that is over a thousand percent. it is okay to single that out to say they may be overvalued. twitter is especially overvalued. this is product of money chasing more money. it's a momentum stock you have to stay clear of if you like your money. adam: jonas, spencer, let you know about money chasing money, a&e is welcoming backfill robertson from "duck dynasty." talk about chasing money.

talking about twitter, i have a feeling we'll talk about "duck dynasty" eventually monday or tuesday. happy new year. keep tweeting. >> thank you. from the u.s. to every corner of the globe money is flying around the world today, starting in western australia where the country's most fearsome stocks are making themselves known on what else, twitter. scientists tagged ones of great whites and other sharks with transmitter. these tweet the shark's followers when the fish are getting too close to the shore. pretty useful because western australia has more shark related deaths than any other place in the world. i guess you thought some twitter friend were scary. over to switzerland where a growing number of banks are joining a crackdown on tax evasion. dozens of swiss lenders they're ready to scale back their secretive operations and work with u.s. authorities. some wealthy americans, kevin, are you listening, our floor director, they have been stashing their cash in the country to avoid taxes here at home. those individuals now run the

risk of being identified. as for the banks, they face penalties equivalent up to 50% of the assets managed on behalf of their sneaky clients. landing in china where some fans of the "world of warcraft" online game are about to serve some real life jail terms. 10 men have been sentenced to up to two years in prison for taking oaf more than 11,000 player accounts. this is no ordinary hack. those men purchased the player log-ins on the black market for a buck each. then they emptied the accounts of all their virtual items including gold and warlord clothing before reselling everything to other players at a profit. you just want to do this, right? "world of warcraft" t wouldn't have been hard to find some buyers but the "world of warcraft" game has nearly eight million players all of whom want to throw a dagger at me for doing this. up next, book yourself a spot, stress from the job may be making you ill. career strain to more hospital visits later on in life. are you surprised by that?

tweet us, tell me how you keep your zen at the office. we have causes for concern in today's "money talker." rap mogul jay-z got himself one more problem. we talked to a expert, mr. beyonce is losing touch and bucks with his loyal fan base. it can't be true, can it? don't move. do you ever have too much money? jay-z doesn't. ♪

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adam: need an excuse to take a day off from work? how about your job could land you in the hospital. no more calling bob hoenig on assignment desk saying i can't come in. a new study find in finland more strain at workmen tall and physical could lead to hospital stays and health problems later in life. i think i will take some time

soon, in tv there is no heavy lifting but a lot of stress. here to weigh in and take pain out of the gain, "money talker" power panel, communications expert, i can't even talk tonight. rachel dolfa, gary randolph and "wall street journal's" veronica dagger? did i say that right? you. >> did. adam: when i hear this study, that study, 10 years from now it's a different study. is this study legit? >> i don't know if it's a legit i like the point they're making and there is legitimate point to it. construction worker, someone who works on their feet all day long they will feel effects later on, their backs will go, their knees will go, sure they will be hospitalized more often. adam: people in office face stress. >> i think there is some validity from the mental and emotional side of it. malcolm gladwell-said in book outlyers you have to log 10,000

hours to be expert in something. i definitely logged more than that in real estate, the truth is people bring so much motion to their job it leads to psychological and emotional, mental issues. the truth is, you can't get emotional about your job every day. sometimes you leave it -- adam: just a job. pays the business. if you don't pay the business, then you go to the hospital. come on, rachel. >> i agree with both of them. i do think there is some sort of mental capacity issue here if you're going into it thinking it's a horrible job, you have this attitude towards it that will affect it. part of the study showed certain people had different thoughts about the same position. adam: right. >> you could go in and think the job is horrible and you will have different effects from someone, it is not that bad. i will emotionally detach myself. i will not be that invested. adam: how if you're not invested how do you perform that well on the job? >> that will make it harder. it is good to like what you do first of all but have outlets.

family support system, prayer, meditation. adam: punching bag. >> a hobby, something to distract you, so your job, yeah is the main part of your day, spending most of the hours there you about you also have other things in your life. so if you lose your job which happened to a lot of americans your life does not end. >> self-care is so important. i completely agree. he is like, no. adam: i am thinking we come up with excuses for all kind of, there is stress in life. how you manage the stress. people in colorado starting january 1st will be managing it a lot better than most of us. [laughing] becomes legal to smoke pot. >> but with work and life you can only feel the way you allow someone else to make you feel. adam: that's right. >> so when you are working, when you, in your personal life, friendship, family, you can only allow for those people to affect you in a certain way. you can actually control that. so you do have to learn to still give it all but you can detach from it. adam: so each of us, we're

fortunate, i i have a producer, kathleen glass, jokes on two things. one there is no heavy lifting in television. we're blessed in that regard. other thing she says nobody dice on tv of the yet everyone in this building at some point or another has that moment of stress you want to go crazy. how do you each of your jobs at the journal or whatever it is you're doing how do you destress when you want to go bonkers on somebody? >> i try to take a couple deep breaths before any saying, try to think twice before i make a move. i keep the viewer or reader in mine. i'm puzzled about something or stressed about something, i don't want a viewer or reader think that way. maybe i sleep on the story overflight. i go for a swim. i meditate. i talk to my fiance. i do something to detach myself from the immediate task that i'm so not focused i can't let

creativity in. adam: what about you. >> i do some of that. adam: you talk to her fiance? [laughter] >> breathing and meditation. i'm sure he is great. but, a lot of things that really keep in mind are perspective. everything has a perspective. you're not dying. adam: nobody dice in tv. >> i was a lawyer before i did this even as a lawyer i did civil because refused to get involved with children or people going to jail, no one will ruin their life over money or time. adam: jared, how do you destress. >> i remember not to get emotional. my job is to close a deal. in real estate, my job is close to deal. if i get nasty email or phone call, i detach. i make a clear decision and don't take it home with me. adam: thanks to the three of you joining us. i go to colorado. i take a deep breath. i don't know anything else [laughter] coming up robots are already

taking our jobs and now they're taking us under the knife. we have two machines on set revolutionizing the health care industry and one of them could be your next doctor. he doesn't make house calls though. are you prepared for changes in the housing market? rates are on the rise and fears of a bubble. you can't afford to be out of the loop on this one. stay with us for the real estate round up from every corner of the country. "piles of money" coming up.

adam: surgeons are using that on a greater success rate. it is probably too early to tell >> but absolutely, yes. it has been used for prostatic surgery for a long time, and absolutely, yes. and i think as the time comes we will find out that robotics will be an advantage for surgeons. adam: setting this segment up i talked about losing jobs down the road. i cannot imagine that will be the case. >> you still need a doctor at the control panel. whether he is sitting there are some morales, but either way, you still need a doctor. >> we are looking at the device, that of video right now. what is the reaction to patients when they realize that this will happen, are are we so --

>> there are two patients, some are very intrigued. they want to see where the robot is. others are fearful because they're thinking that the robot is doing it all itself, and it is not. adam: finally, the most important thing that people might become patients, facin these in the future should remember? >> well, this is early in the evolution of the technology. the technology is moving on for gall bladder estimates is a bellybutton incision. they are so beyond that that the evolution is screwy. ." adam: any companies that we should be investing in? >> the forefront of america. canada, titan, working with a competitive robot. adam: we appreciate your being here. i don't want to offend you. i hope we never see these, but it is a pleasure to talk about them. adam: turning to the housing

market and the age-old question of when to buy in and went to a sellout, a great round of lower rates to the point where you can barely talk about buying without hearings, we are in the midst of bubble. no matter where you live, whether you own or are thinking of getting in the game, we have the real deal on real estate from coast to coast. from the northwest to the midwest over to the southeast. end up here in the northeast with frank. all agents and preview international. thank you for joining us. we will be doing this in two parts. when we talk about what is happening in the housing market and especially the luxury market, it is go, go, go nonstop. is that correct? >> absolutely. thank you for having us. right now in the housing market is crazy, especially the luxury

market. in seattle we are seeing such a low inventory that when something pops on the market we have a mad-to try to get to see it. a lot of agents are reviewing offers so that they get a full market exposure. adam: frank in new york, what is happening in new york. luxury in the western pacific will be different than new york and new jersey, correct? >> that comes down to inventory as well. just a lack of inventory. until we see more products among the market you're going to see the end of the market continued to boom, especially in the early segments of 2014. adam: you are joining us from denver, but i want to talk about aspen. that is where it is ongoing, correct? >> that's correct. i specialize in aspin's no mass. adam: all right. let me go to jail. i left a long went -- long winded voicemail for you.

i have heard about that market, my family, relatives. is this an organic growth in the miami, florida, luxury market from citizens in the united states. >> i have to tell you this wonderful. the people that live here, participating in it, moving, going to condos. we have so many new condos out, new construction. they are moving just in our city, the people living here, we have a huge amount of people from the northeastern corridor. on top of it we have people from south america and europe. so our market has been healthy. i think that, you know, new construction has come back into our market fell so it has just been great and we always have good weather. adam: is the luxury market pull up the entry market, moms and dads who might be buying a $200,000 on on southwest's

21st terrace? >> that is dead. i am impressed. adam: i remember. >> yes. no. that is a great area. you know, i think that what we are all seeing all over with coldwell banker, you know, it kind of all rises and sinks together. it has been to my say, across the board, two dozen 13 has been a healthy market for all of us, and it has been great. i see it growing and continuing in 2014. adam: let me ask you about aspen. are people paying the entire price in cash or the financing? >> it is interesting because probably about 97 percent of all of our transactions are all cash someone may apply after the close, but it is pretty rare that we see contracts with a financial contingency. adam: you are in a hot spot in

the country. he sent a picture of a famous politician, kennedy, i will not so you who it is. very quickly because we will continue. in new york, our people financing or is it all cash? >> very hall, going to see a tremendous amount of past -- -- a much bigger florida base. there are attainable. as long as people are well qualified, you can give money. adam: are you getting bidding wars? >> all the time. right now in this market will receive -- three, four, five, ten offers on a given property. it has almost always be cashed in order to come out on top because what we are seeing is if someone is giving financing the seller will go with the sure thing. they don't want to take the risk and they are able to call shots.

so the cash buyer is definitely king. adam: i will ask all four of you to stay in place. a lot more to cover like the best and worst picks on where to buy and the new year, and some of them may surprise you. stay where you are. the end of the day it is all about "money." ♪ ♪

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they're thinking in my want to live somewhere else. >> we have seen a continued trend of buyers who might have started out with a condominium our home, a small community, six dozen people year-round that expands about 30 south to cut 30,000. great schools, wonderful life style, i can live anywhere in the world. a committee right in raise my family in a healthy environment. adam: i imagine you have people coming all over the world. >> absolutely. adam: let me go back to france. do you get worried that as the luxury market gets hot, you talk about these all cash deals, some type of bubble there is no fear repossession or mortgage, but

does that -- is that the case in the luxury up? >> we saw a dramatic over correction. particularly the downturn, you know, it hit us later than it hit most of the rest of the country. and actually, the pacific northwest has been leading the country in the recovery. we got hit later and recovered faster. here in our local market i don't think there is a bubble happening. i think that all of the economic indicators here are showing up that we will have a really strong 2014, even with interest rates increasing up a little bit it is not going to have any significance. adam: i want to ask you a loaded question. if you were looking outside of your territory, what would be the topic? >> i think you are still going to see a strong market.

very busy this coming spring. a lot of and a -- a lot of organic growth. a lot of foreign money coming into that country. adam: if you were going to pick outside of miami, your best area, where would that be? >> i would like to live or all of these people live selling, but i think that new york city has always been that the magic city, that big apple. more people in that city than any other in the u.s., and it is also the finance headquarters, so i think the combination is always going up word. it is a finite amount of space. it is an island. adam: tell me about it. apparently more new yorkers are moving to florida, so you're going to be busy. let me go -- >> i love that. adam: i will finish with you. if you're going to look outside of seattle, or with the best market be for continued growth? >> i am in west coast guy.

i would like some of the san francisco. similar geography to washington in seattle market. they have, you know, limited area. anytime you have limited area you are definitely going to see a high demand when you have that scarcity. i think san francisco. adam: one more question about this trend toward a year round of residency. 30,000 during the peak snow season. do the people that buy at this end of the market rent out their properties? >> they do. we see that happening quite a bit. we have two distinct seasons when we are busy selling real estate. we actually sell about 54 percent of our transactions in the summer months. many people think of it as a ski

resort. this summer it is more people. so those two times of the year when they're not and residents. adam: all right. thank you for joining us. continued success. as they say in the movie trading places, get back in there and sell. thank you, all four of you. up next, barely even saved, but hip-hop ratings. our next guest is a branding expert who is convinced that he is losing the trust of his loyal fan base. is it true? stick around to find out. you can never have too much "money." ♪ this is the quicksilver cash back card from capital one. it's not the "fumbling around with rotating categories" card. it's not the etting blindsided by limits" card. it's the no-game-playing, no-earning-limit-having, deep-bomb-throwing,

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>> thank you for having me. it is really interesting. the most aziz said amongst 1,000 mullen meals. and the problem lies among what mullen neal's find most important from a characteristic standpoints. money else transparency.

seems to be outscoring. adam: for lack of a better way to express this. you can rail against the machine and become the machine. >> they want said see him they can see him be part of the machine. business savvy and so forth among but really, those contributions are not that important that the audience when it comes -- adam: and does he lose, for instance, the barneys fiasco, but does he lose when he has a racial issue and then you might be criticizing them? >> absolutely. and the barneys deal is a very good example of authenticity.

melanie wells, why was he involved in barneys, the massive outcry. wanting him to step down because of the racial profiling, and it is interesting that he has parted with a brand in many ways and really, it is hard to make sense of that. but what is the brand, why is he popular? adam: just to wrap this up, doesn't he need to score points jackie is married to be on say. half of these people will be like, okay, he wins. >> he certainly does, and he certainly does score points. he should take a book out of fiance because she is much more transparent. she has spoken about it. motherhood, problems with her family, and we need to see more of those types of compelling and intimate stories.

adam: who is making and losing money? one of america's finest leading ladies, but not even see is amused. we just talked about a bone. stick around to find out who it is. you can never have to my "money." ♪ ♪ [ male announcer ] they are a glowing example of what it means to the best. and at this special time of year, they shine even brighter.

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adam: whether on wall street or main street here is who made and lost money today. first up, anybody that owns a piece of automaker tesla. the stock has been surging over the past three sections on reaffirmed safety rating for its vehicles. but that ended today. the stock dropped more than 2.8%. elon musk feels that he owns 27 million shares of tesla, which means he lost 120 million bucks today. don't feel too bad for him. tesla shares are up nearly 350% just this year. looking to make a whole lot of money. this budget hotel in new jersey all for the super bowl.

a night at best western in west orange usually goes for 100 bucks that price balloons to more than $1,000 in early february. that should not come as a surprise. the nfl says 400,000 football fans will descend on northern new jersey for the championship and metlife stadium. better get a spare room ready. losing money today's america's sweetheart, reese witherspoon. the "legally blonde" actress sold her california property at loss of more than $800,000. after it sat on the market well over a year, despite once graced the pages of decor. with they are spoon originally listed the home for nine million bucks. it went to five million to unknown buyer. that has got to hurt. that is all we've got. i hope you made money today. tune in money -- monday when we debate how bitcoin will go, are you in a or out? is the opportunity closing on

bitcoin. scott at this markets will be here with his take. wait until you hear what he has to say. monday at 5:00 p.m. have a great weekend. "the willis report" is next. ♪ gerri: hello, everybody, i'm gerri willis. welcome to a special edition of "the willis report." if you bought something this holidaypo season you're rethinkg or already know someone special will want to return it after christmas, how do you do that? personal finance expert vera gibbons joins me now. so here's what typically happens. we have a lot of markdowns this year. i'm worried return policies will be tougher than ever. >> they are pretty tough. this is timeer of year when they have extended holiday return policies. they give you longer period. amazon you have