picture with it. see your finances in a whole n way with it. this is your business the all-new quickbooks. ruwith it. neil: do you want a hot tip? what if i told you that place you cash your checks, your bank, yeah, your bank, chances are its booming. are you buying? welcome i am neil cavuto, thank you chip chip an charles payne y mcdonald and melissa frances for their great work while i was out. have you been watching this. financial, the bank stocks that are not looking so stodgy, have been on nothing less than a

tear, how much? remember the s&p 500 30% increase last year? bank stocks as a group up 33%. they are not slowing down, money just keeping flowing in. we are looking at highest cash flow in to financial stock fund since 2008 crisis, not bad, not dumb. when you consider that profits are what is in large part driving this, wall street pros estimate that financial firms likely posted profit north of 24% last quarter, this would put them ahead of telecom, industrial, consumer discretionary companies, information technology, and consumer staples. many they one quarter does not a trend make. but then step back, ask yourself, why the interest rates are rising? maybe, maybe, the economy is improving? that housing truliy is reboun

rebounding. we see that in moment prices, which are rocketing again. the demand for all types of loans, has been climbing again. i'm not saying we're off to the races but this cash flowing and bank stocks indicates we're at least off the map, if it reveals better news are in the economy history shows that banks are often early beneficiaries, but not the only one. you could say this all but a dead cat bounce, and banks are underwater from 2007. but i could look at same chart, conclude they are doing a hell of a lot better as a group than they did in 2007. i say resounding yes. i say believe it eand bank on it if i am wrong, i will destroy the tape, have you no proof. am i full of it?

let's ask melissa frances, and alexandra scaggs, what do you think? >> i think everyone has poke en t-- ihave spoken to thinks thaty can continue in bank stocks. a lot of that -- >> the bank holders are those nene about the economy? >> they are confident about the economy, they think people will be borrowing more, employment is getting better. if they can lend out at higher interest rates they will evenly, it might take a while, but it will translate to bottom line. neilline. >> you know they know how to make money in every environment. that is why you could be right

about this. neil: i don't think could. >> the other side, i'm concerned about fact that banks are washington's favorite whipping boy, they are those whether they take away their ability to charge fees and make money to trade prop trade. going after commodity businesses, they have done all they can to undermine the banks, it does not show any sign of slowing down. at the same time they are urge attack in legal porters. until they get out of sights of washington they still have problem. neil: we'll be exploring the other side of this issue in a moment. i look at whether this speaks well of the economy? normally in a rising rate environment, that is good news if the economy, banks benefit in this environment. and everyone else too. do you buy that? >> i do. i do. i think -- on one hand rates

are rising because they have been close to zeeo for so very long. history long, now fed is talking about stepping back, and rates are rising. neil: are you surprised that bank stocks did not take more of a hit? >> it was surprising. but. you know the fed used as their rationale the fact that economy is getting better. i think people are buying that. people believe that the economy is getting better, people are seeing, employment is improving. people are borrowing because they are finding jobs. it is not great. but theerate of improvement. >> i don't think that rate environment has much impact, i have talk with jamie dimon of morgan stanley in the past. neil: well la dee da. >> he said they make money in

every environment, on the margin on the loan. neil: he pay its back to the government. >> then he gets robbed, really. down the line had they come in take it back. but that is a different story. as rates go up they charge more. i think they figure out how to make money in every environment. but they are also you know being chased seriously by washington. follow they decide they will -- until they decide they attack someone, maybe it is the minimum wage debate. until they get off financials, they have trouble. neil: maybe we're trying to be too clever for words. we've been looking for next hot new offering it might be -- >> money. >> it is funny, people are looking for big stories this year, we're coming off 30% rise in s&p 500, that is think h hug. people are stretching.

it is trying to finding and that looks cheap. neil: you know, i am so happy that hedge fund guys look so stupid. >> i did not say that. neil: they did not -- most of them, they look like high priced idiots. do any of them advertise on this show? >> not any more. neil: ladies thank you very much. >> now a lot of banks make money again is contingent on the banks keeping the money. try as jpmorgan chase might, it is not, a $2 million fine for jamie dimon in the very rough. regulators were clueless about madoff for years. that is $20 billion total of finds and penalty that j.p. morgaa alone will pay to get the

messes from mortgages to madoff behind them. financial institutions of all sorts face all sorts of finds. a reason to hold back? to attorney randy zellon said fighting the government is a losing battle, a lot of still fighting. you are not an investor, if you were a betting man, you would not bet on bank stocks. >> i would not bet on me being unseemly rich. neil: i am saying melissa frances rich. >> i am randy zellon rich. when you have done is you set the bar. you set market, somebody smarter than i said, it is no different when you pay robby cano $24 million a year, that is new gold standard. bad news for banks you paid $2 million on madoff, if you get

into trouble again or similar, you are not going to payless, you go to pay more. good news, you get to to live it fight another day, nobody goes to jail. neil: that might be case with this 5 year proviso they could delay any further punishment if they just do what the government says. still talking $20 billion collectively a single firm paid to u uncle sam. yet the stock is doing well. it makes me think that critics of the bank say there is more money to be had there. >> there is no question. ask any celebrity. worse day of your life, when you no longer get recognized at a restaurant, you hate it on the way up. neil: i hate when i walk into mcdonald's and no one knows me, you are right. >> the 59 to be made, and -- point to be made, and take away, if you pay $20 billion but make

$40 billion or 50 billion or 60 billion, you take that deal, every single day of the week. so once again, it is a cost of doing business, and stock rise. neil: randy that is a big cost of doing business, whether you can afford it or not, numbers have changed the equation. you add them up. we're talking now north of $50 billion, they have been able to pay. more buying interest in stocks. but are we getting too trigger happy. >> i don't think so, i think that very smart men and women, who price stocks and make their predicts, figured it was if $2 bill drop or lesbillion or lessd right. 1 the news is out it is too late, we see rise in the stocks because analyst predict, $2 billion. but point remains, if the banks can afford to make it and

continue to generate revenue, and a return to their shareholders, i hate to sea it, but it does become a cost of doing business. you pay to play..@ as long as you make money and everyone is happy, nobody goes to jail, sounds leak a win-win -- like a win-win. neil: thank you, this is new tomie. we're doing these tweets now, i like the sound of the tweet. it is letting you know -- with we did that again? ralph? there you go. anyway. did you hear the one about john boehner telling tea partiers where they could get off? meet the tea partier who is more than fired up. let's see what gina loud en has to say about the speaker, unspeakable. wcome back. how is everything?

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and unlike warfarin, with no regular blood tests dietary restrictions. hey thanks for calling my doctor. sure pradaxa is not for people with articial heart valves. n't stop taking pradaxa without talking to your doctor. stopping increases your risk of stroke. ask your dtor if you need to stop pradaxa before surgery or a medical or dental procedure. pradaxa can cause serious, sometimes fatal, beding. don't take pradaxa if you have g or have had a heart valve replaced. seek immediate medical care for unexpected signs of bleeding, like unusual bruising. pradaxa may increase yif you're 75 oolder, have a bleeding condition ortomach ulcer, take aspirin, nsaids, or blood thinners... ...or if you have kiey problems, especially if you take certain medicines. tell your doctors abou all medicines you take. pradaxa side effects include indigestion, stomach pain, upset, or burning. if you or someone you love has afib not caused by a heart valve problem... ...ask your doctor about reducing the risk of stroke with pradaxa. open to innovation. open to ambition. open to boldids.

that's y n york has a new plan -- dozens of tax free zones all across the state. move here, expand here, or stt a new business here and pay no taxes for ten years... we're new york. if there's somethin that creates more jobs, and ows more businesses... we're open to it. start a tax-free business at startup-ny.com. neil: regulars who watch the show, know we to a lot of tweeting, a lot of you leave our couch. you don't know if your tweet made air, now we have a special sound affect. here it is.

make some noise. yeah. [chirping ing] for most part stick around you never know what you're tweet is coming, they made him speaker, now he is doing unspeakable, john boehner has forgotten who made him the big cheese, they smell a rat, he wants an an immigration deal done, soon, partteapartier gina loudon saids the problem right there. winning over the folks whoen to matter, and not the soul of the republican party that should party, gina happy new year. >> thank you, neil. neil: your view of the tweets

issue you happy with that? >> i love the tweets. it is awesome, i can tell it's time when i hear that bird in my ear, thank you for that sound. neil: that is your family getting in. john boehner said, i have to move ball forward, i want something done. i can't say no to everything. what do you say? >> yeah, you know, following in footsteps of john mccain is injeagenius elect strategy into 2014. republicans love john mccain, or wait that is democrats. neil: he -- hig you don't like ? >> this is just further evidence of who is really pulling the strings in washington, d.c., this is the establishment disconnected from all things that are really grassroots g.o.p. you can call it tea party or

conservative or patriot movement. i don't care what you call it. but bottom line it is us who put the planks in republican party platform that mccain and boehner, and the rest are supposed to be accountable to, they continue to forget that. that is why they are poster boys, if you will of bi libertan -- >> for blocking progress, and for blocking some things tea partiers espouse wanting to see that is immigration reform, you don't think what he wants to do is that? >> i think it is cowering to the bullies on the playground, big business, and big labor bosses who want to control everything that g.o.p. does, they promise them, we'll deliver you moderate votes. when is the last time of thatter happened? neil: we said we are to do something to fix this immigration thing. note to degree you say speaker

boehner wants to do, you have to do something or no? >> people admire conviction, problem with boehner, he has no conviction, he has compromise where he should have convict, silly putty why he should have a spinal cord, rank and file republicans are upset about this he needs to take to grassroots of the party, and say, is the republican party ready to change its platt form, until then, he answered to them, and sad part. neil: i think he feels if he emboldens his majority, gets more republicans to join the house ranks, maybe help see senate change hands he could kiss you guys good-bye. >> good luck motivating a base compromised of people who are patriots and constitution rally conservative, we don't care what label you put on us, we see this for what it is, sad part is that

is a biggs, loser for american citizens all over the world, and those who want to be american citizens even that are not. yet, because you see, they are making worth american citizen go the way of say a dinosaur farm, and problem with that, you can't have what you can't define. so if you can't define what an american citizen is that mean it has no meaning this is the part boehner and the rift are missing -- rest are missing, when they take it away they will pay and country will pay. neil: gina, i will put you down as a maybe with the speaker egina loudon. >> you know i'm not only one back to business, democrats are back ready to give republicans a business, take a wild guess what they are push will and another wild guess what they are sacrificing. a hint in this word -- everything and nothing.

how did edward jones get so big t me just put this away. ♪ could you teach our kids that trick? [ male announcer ] by not acting that way. it's how edward jones makes sense of investing. of the dusty basement at 06 35th street the old dining table at 25th and hoffman. ...and the little room above the strip mall f roble avenue. ♪ this magic momt it is the story of where every great idea begins. and of those o believed they had the power to do more. dell is honored to be part of some of the world'great stories. that began much the same w ours did. in a little dorm room -- 2713. ♪ this magic moment ♪

neil: all right. back to work, now back to providing more benefits who folks who condition find work, democrats pushing to extent jobless benefits but republicans say few ideas from democrats to stimulate job. but an ideal time to showcase growing income inequality. who really cares about the politics. democracies are wise to make their cause. hadley, you are not buying this and this idea of fairplay. and redistribution at all? >> rite, redistribution,

americans value equality, but income equality is not the right measurement. we should measure opportunities not outcome. neil: you know emily. jojobless benefits extended aga, again, again, they are going on way too long. it makes a lot of folks wonder whether we can ever get things going if there is a dependency on the government to get people by week after week after beak. >> let's talk about who is collectings unemployment insurance. people that are active let's looking i let'slooking in the j. when they lost that unemployment insurance, that was real. you know that was a lifeline they were holding on to.

feeling government in your home, they are still looking. unwerement benefit goes fo to 26 week its takes average job seeker 35 weeks. when insurance runs out about half of the people are still jobless. neil: you could -- i want to get back to headley, something about diciness of precovery, then this from the stewardship, it necessitates provides benefits add news yem. >> let's keep them in the job market. neil: you know, my concern with it, politics aside issue we spend more time thinking about providing benefits for those jobless than providing opportunity for jobs, i think we have to backward. >> right, i don't' to

necessarily keep people in the job market, i want to keep people in jobs fine-tune, best government wwlfare program is a job. focus on economy growth we'll find more prosperity for people. neil: 1 you tak once you take tt government safety net away, what about those who find jobs. >> these people are looking for jobs. neil: how do you know that? one thing to go into an employment office and say you were doing that, and actually doing just that? >> well you are suggestions more government oversight of the program. neil: not all of honest. >> you will always find a bad apple. but for those who lost is last week -- >> would you ever let it run out, would there be a time, 48, 72, 96 weeks that is limit that

is it? >> i don't think we found it at 26. neil: what is magic number is there one? >> no, i don't think there is a magic number, focus on be on economy growth, when democrats present an economy agenda that includes things like raising minimum wage that reduces punes, dozen creases opportunities -- reduces opportunities, it did you not increase opportunities. republicans and conservatives should do a better job explaining we all' to help our neighbors, but best way to pay attention, not just the first but secondary affects of our actions. neil: ladies thank you both. tinkering or tossing, no fewer than 23 changes to the health care law, since it became law, white house is not changing the law. it is breaking the law. reluct.

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and their families is without equal. start investing with as little as $50. neil: room brawl of those necessary changes the a ministration made to the health care law? them might have been necessary, but it turns out a lot of them might have been illegal. the 11 state attorneys general's path said a single law is one thing but changing it is a whole other. firs the attorney general, good to have you. what particularly makes this lot and that changes in essentially illegal? >> there are a couple of different reasons. one, what the president has done repeatedly over the of limitation is disregard clear step toward provisions and we,

the 11 attorneys general focus on administrative fixes. here's the problem with them. as i think the record public knows, the president has an obligation to faithfully execute the laws. is called the take care costs. he has ignored the provision which is not acceptable. while the administration possesses some discretion in terms of when they enforces, tht just get to ignore the law wholesale. that is one of the things of this happened here. neil: he says the takeover provision means he has to take care to make the law workable and usable and were called to your work or three -- workable ultimately for millions of americans. is the author and legalized? >> i think he is. the fact is that all of the court cases interpreting the take care provision look to ensure that the president and their agencies faithfully execute the law which means that

they have some bouncing in judgment that they can engage in, but that is not what happened here. the assertion naturally took the position and it was of a right to begin forcing. they try to end the provision of to the state budget seven and a lawful manner. they went way too far when they came up with this new condition as the way you can get these administrative fixes. a violation of separation of powers or at a minimum of a better to comply with the administrative procedures act. this is not the first time that there must up a regular at the employer mandate cause of a cost sharing provisions, you look at a number of issues relating to low income verification and the continuing disregard the law which is not what an executive branch is supposed to do. neil: chair sure you heard the premise services margins you.

you block them and every step of the term along the route the this is becoming law. becomes law and the say the changes years in light in the first place and is illegal. they can't win. >> i think that is a convenient and pretty weak excuse. one of the things that we have offered, we actually don't object to the concept that if you like your insurance she did to keep it. you're all in iran on the substance. where we differ from the president in this administration is we are saying, using legal and constitutional mechanism to make changes. emmy's going to congress when drafting a bow, passing it through both houses demand ultimately have been signed into law. that is is not what happened here. there's an easy way to the president to address this issue fee. he has chosen to take the politically expedient approach, and that is the right. i am worried that this culture

of lawlessness undermines the constitution that a lot of the 80's and are very concerned about. neil: think you, sir. well, the economy is doing great, and we in the u.s. of a buy the envy of laurel. there is bad news. your doing great in their the in the of the world that because we read the necessary cuts, because we take some big short cuts. ♪ [ malannouncer ] eew new york is open. open to innovation. open to ambition. open to boldids. that's why n yk has a new plan -- dozens of tax free zones all across the state. move here, expand here, or start a new business here and pay no taxes for ten years...

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♪ and non. neil: welcome the who says that we have to cut to the bone weakened print money and cut right to stimulus. it is good to be the united states of america.

we as a country are on fire, and the rest of the world the money he saved germany, is not. we're off to other races in the investment haven of the world again. there's a little problem, and the authors are not, they are acknowledging what is somewhat behind this, the government, plain and simple, the federal reserve keeping the markets afloat or watching them driving as deep into debt. it is a bagel credit card as the buying is time. the former best buy head brad annerson, keep this thing up and we will be running out of time. you looking at this as saying that we are bragging for their reasons? >> well, yeah. it is partly an experience of robust growth. a little bit of growth of a global scale and it looks good, but it is at the expense of the middle-class and the u.s. and when i think potentially could really be robust growth.

and absolutely unsustainable level of federal that. neil: i always looked at this a certain way. you do not relish the underlying economy is in dublin this. or more competitive, manufacturing back the nsa its workforce is more competitive. this is still the most creative country in the world was meeting more on an international basis.

we have cards and are playing deck that other countries don't have and we should be not just a little bit above the rest of the world, we should be significantly above the rest of the world. neil: it is guys like you that remind me fix that when times are good you can afford to be bold. begin afford to do some things, correct the long systemic and endemic problems that we have had an above we tend not to do that. if anything, good news on the economy tends to give washington a pass. >> i have a friend in washington who tells me that you could assemble and iran to that would actually tackled our long-term debt by gideon entitlement which involves things like means testing, social security, and to some extent medicare that will bring over a long-term budget in balance. neil: we don't do it.

we don't do it. we just don't do it. >> in order to do that you'd have to build a consensus with the general populace. he could combine that with the rest of the strength of this country as we should be seen growth of not one to 3 percent but 45%. neil: quickly, it is not that we're celebrating the large government action as what has separated us from arrests of the world. all letters artificial stimulus. >> we can get away with it. we have the world's largest economy. neil: thank you. good having you want. well, don't think this latest budget deal. chris christie in the wall street tighten, the deal the media is praising is our undoing. what super poligrip does for me is it keeps the food out.

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de. ♪ neil: remember when paul ryan and patty murray scored that big budget deal buried each side took its lumps, but both sides got something done. well, exactly what got done? is seen as the former chairman and friend of chris christie started looking under the boss. because he does, i keep doing that. you know what, they just discovered that someone has been spreading some heat. 63 billion. southern the reductions. revenue increases. neil: we should say we will have

more data and the government but not as severe shrinking government. >> no. more broadly we're not addressing the fundamental problems. we have fundamental problems. we're subsidizing our economy day-to-day. neil: it will only change when the changes in washington. where they do take on these issues because they're too afraid to now. i never notice the appetite for subsidies change in washington but is someone will find the reason there are no different. >> our current system is broken. what our country needs, frankly, as the third party, someone who will represent the new majority in the transparent can't tell the american public the truth.

my view is, don't underestimate the american people. they get the text it will do the right thing. neil: history suggests, some third party gets have done very well, they don't really when. >> no, but if we continue dennis jarrett and the situation deteriorates more and more and more, i think the iraqi people will rise. neil: retired to a better economic numbers of late. a lot of until the we're doing better and so they're feeling better. >> i think that the press is treating a little bit of a head fake. the economy is doing somewhat better, but not very well. it is one to 2 percent gdp growth, and that is coming from subsidization from the government. our economy is based on consumption. you can't have the supplier

level, this gap in income. without the consumer we are in trouble. the get is a civilization. neil: a civilization that might be smaller in, but not stopping. we are still on this. >> it is unsustainable. you cannot keep printing money. ultimately you're going to pay the piper. we could go into another recession. that could happen. i am not predicting that, but i think 2014 will be a critical year for sibila. i expect gdp growth between one and two this year. we shall see. hopefully we get it wake of all with the representatives we have in government. a very inept governments today. neil: barring the republicans did you go see a lot changing anytime soon.

>> i categorize myself as an independent with republican leanings, but in both parties have had to get a wake-up call. this is the logical approach to government is not a solution based theory that the decline centered and solution based. these polls have found a way to make money. neil: that is a business blitz with warming up to after this. ♪ [ male announcer ] of the little r ifs ♪ this magicoment it is the story of where every great idea begins. and of those who believed they had thpower to do more. dell is honored to be part of some of the world's great stories. that began much the same way ours did

in a little dorm room -- 2713. ♪ this magic moment ♪

tre's nothing like being your own boss! and my customers are really likingour flat rate shipping. fedex one rate. really makes my life easier. maybe a promotion is in order. good ne. i got a new title. and a raise? management coun't make that happen. [ male announcer ] introducing fedex one rate. simple, flat rate shipping with the reability of fedex. neil: all right. it is time for our "business blitz." here with us tonight. genius.

first, pot gadgets about to set fire, and the whole technology sector. investors ready to gamble on the next big thing with the consumer electronics show in las vegas. companies began small showcasing when they think will be their next big thing. what are you betting on? >> first thing is where will, things they you put on, pharmacists to of harnesses to play games. had abandoned rates -- wristbands the league is the help desk you're walking, whether you're getting diseases are not. and the other part of the equation is cars. it is by no accident that there are dozens and dozens were feet of cars were everything is going to turn into a smart car. you will see people driving in doing this whole time, unfortunately. neil: what is promising to you?

>> the consumer wants things that wall up there let's get better or faster. one thing we have seen is will consumers be able to sell the me take away my phone in. [inaudible conversations] car service extra for features in the dashboard and it will have to convince companies what to do that, but safety is a huge issue right now. eocene both text and drive as a combustible combination, but car people -- card companies that can be the recipe right will be positioned for success. their nimble, can in just a very well. the car companies tend to be stuck in neutral. it may take awhile to get consumers to buy a into the electronics. neil: gm and ford are big conveyors. dearly not a great combination, but having said that, it has

helped spark interest in this stock. should it? >> most definitely. technology is could see in glamor. when the market sees something new, people jump on it. a greek and mcdougal is the only doing a search but getting into entertainment. i expect them to benefit in a big way. i worry about too much going on. we see right now, and it is only going to get worse. neil: there is a chill in the air. put your money in the right place. you say the cold winter is actually even as frigid as it will be of the next couple of days, there's a with a profit. >> many people tend to hunker down. they only buy the essentials, but never underestimate the spending power of the american consumer. they may be snowed in, but there on line by adams. the losers were the big-ticket

items. they will buy the cars car refrigerators, washers and dryers. the essentials, convenience stores, gas, shoveling against bill of those will be the weather's right now. neil: gary, what say you? >> for me, the only when there is when you go online, stay home , and we are seeing serious freezes. as far as the losers, airlines, 3,000 flights canceled today, and you really cannot get that back and it does affect the economy. people on a traveling man back into business. it is never a good thing. neil: these are some record cold temperatures and weird talk about. they say it will be short-lived. i begin to wonder whether that says something for this winter in general, and maybe a very nasty winter. that is the case to you extend your time horizons? >> consumers may postpone

purchases, but they do tend to make the purchases. psychologically people recants been for a while, it is almost as release. who will see that buildup. right now it is to tell the impact of the economy. they could be longer term. neil: it is time for our nightcap. what they're looking for tomorrow. >> each week, a new retail sales report. or like is two-thirds of our economy is out uni are spending our money, specifically at retail stores. a really good barometer. >> over the next couple weeks it will be a good sign, and the weather will be built into that.

was that first in tomorrow. neil: gary, but you? >> again, the 10-year yield which most loans are tied to, they came down. i am watching. if the 3 percent gets taken out that means that there will be a breakout which means mortgage loans and car loans will go up which could possibly affect the economy. neil: a un merrill the chair rolling pager 3%. a very i as a gets a three ben & but perspective is everything. >> that is the important word. what are the markets and consumers used to. mortgages were basically free. so as we go wire is all adjusting by the consumer in the market. i am worried that break got

would not be good news. neil: through quickly. >> i think they will creep higher. we talked to are refinancing. neil: thank you very lunch. have a great new year. we will be tweeting in chirpinn throughout. the desert. remotely operated hellfire missiles. he will join us in studio. debt of wells down to a lot of people rethinking their relationship with the government. it is now you come 80's them. mice -- it might be time for break.