number one thing to watch the december jobs report. 8:30 p.m. we'll cover it live. first of all at 8:30 a.m. and seal see what market reaction is. >> "money" with melissa francis is next. melissa: are you paying for your kids to go to college so they can drive a cab? is it a sign of the times that people pay hundreds of thousands of dollars for a degree that doesn't help them get a job? we have a college of-educated cabbie here to tell. even when they say it is not, it is always about money. melissa: first tonight, everyone is talking about chris christie today. we'll get to that scandal shortly. but we're starting with something else people are really talking about. is the cost of college worth it? right now, the increase in taxi drivers with college degrees, it is multiplying quickly.

40 years ago, less than 1% held college degrees. today more than 15% of taxi drivers have college degrees. is this what people going into debt for? my first guest has a master's degree in software engineering. driving a new york city cab for six years. thanks for coming out and joining us. >> thank you. melissa: software engineering, this is something we're telling people almost every day on the show, these are jobs out there going begging. i don't understand. have you gone out to look for a job in software engineering or how did you end up driving a cab. >> i went to job interviews for a while and recently given up, every job interviews i go for they want many years of experience. on top of that many of jobs are contract-based with, me, my wife, is also going to school and two kids, i just can't go for a job with a contract base, giving me six months or one year and then, i don't know if there

is going to be job available for me after that. melissa: would you be making less money in the short term? are you making more money driving a cab. >> very less. less without any health insurance or benefits. melissa: do you have have health insurance and benefits driving a cab. >> right now, yes. i have to pay some for it, yes. melissa: so i mean it sound like this is a better job. does it make you wonder why you went to college to learn to be a software engineer? >> exactly. i'm paying college loans right now over $50,000. melissa: i guess some people watching the show might say you have to take that first job where you make less money and there is some uncertainty you build up to have a job in software engineering and make more money than you are as a cab driver. have people made the argument to you. >> they have. with lots of responsibilities of a family and cabbies being flexible job, comparing to regular job that i went to college for, i mean, i have taken that job but, salary they

offered, 35, 40,000, living in new york city, starting salary, i can not afford that. melissa: i mean i guess the bottom line, the thing that bet everybody out in our audience is wondering is, do you regret the fact thaw went to college? >> that is a hard thing to say. in this country, the president, a lot of people say that that's the ticket to the american dream, to get your education and to go to college. do you think that is not true? >> when i took a major in software engineering, the software engineering field was booming. i was thinking once i get out i shouldn't have a problem getting a job in that field. but, yeah, i don't regret it. i still think that still i have a chance. once in a while i get information. i tried to go for it. i apply, go for -- don't really regret that went but the bill i have to pay still, that one i am struggling with still. over $50,000. about $700 a month i have to pay

right now. melissa: on the show yesterday we did a whole feature about places where there are jobs. most of them were software engineering and other computer jobs but in places like austin, texas and provo, utah. is maybe the problem you're in new york city? do you need to move to a different place to pursue your career? >> maybe i have to. i have a lot of ties in new york that i have to cut to make my move. melissa: what about your kids? what advice would you give them? they're young. i mean i understand, i think one is six years old and one is less than two years old. what would you tell them about their future and what would make things work? are you saving money to send them to college, given what your money bought you? >> yes, i'm definitely saving money for them. i have no regrets. i would still advise them to stay in school. they're still opportunities going to be available and i'm optimistic about this economy. that it is going to go up and more jobs will be available in the future. just, the present time it's a little bit struggling but i'm

still optimistic about the future. melissa: sound like you're in part blaming economy. what do you see doing in the future. do you plan to just drive a cabin definitely? >> no. no i'm not looking to drive a cab for very long time. my wife, she is going to college and she just recently actually finished her master's. so, two people working in a family helps. and maybe then i can take a pay cut and get something somewhere else. melissa: what, she just got a master's in what. >> psychology. melissa: wow. okay. what is she going to do? >> she is looking into going to advisor, counselor. melissa: i don't want to cast aspersions on cab driving because all work is honnable. >> thank you. melissa: you're earning more money than you would in other fields. that is why you're sticking to it so our point not what you're doing is not great. >> right. melissa: it is that you spent a lot of money getting a college degree that you're not using. >> exactly.

melissa: especially in a field where there is supposed to be a lot of openings. this is interesting to our audience maybe college doesn't always pay. a decision you have to make about the debt. >> exactly. melissa: thank you for coming on sharing your story. enlightening and best of luck to your family. >> thank you very much. thank you for having me. melissa: a lot of money heading your way today. you have to stick around to see this. it could truly see the way you see animals around you. we are on the verge of a new era of doggie communications. we're talking to a guy that developed a device that reads your pet's brain and translates into english. did you see the movie "up" where you hear what the dog is saying? we've got that. you've got to see this. plus hospital the buying insurance for patients? is this the new cost of obamacare? wait until you hear how it could be happening. the president's problem is list of economically challenged areas has everyone talking today. a congressman talking about

creating jobs and cutting poverty is just empty promises. stay with us. more "money" coming up. [ male announcer ] e new new york is open.

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>> as we all know the rollout of the affordable care act has been perfect. and it is about to get perfectier. melissa: yes, jon, it is perfect here in health care hell. some hospitals are weighing the option of paying premiums for patients who can't afford coverage, the idea being more cost effective than being stuck with a hefty price tag for treatment that those patients can't pay for. fox news's jim angle is in washington with more. tell me about this, jim? >> you got it, melissa. the issue divided hospitals and insurance companies naturally. and ignited debate inside the obama administration as hospitals consider paying premiums themselves for those who land on their doorstep. listen. >> there will still be many uninsured people even when the health care reform law. and so hospitals are worried

about uncompensated care they will have to pay. >> so some hospitals raised the novel idea of paying obamacare premiums for people in their care so they would have insurance to pay their bills. the american hospital association wrote its members saying some are worried the cost of obamacare would be prohibitive for many people, even after subsidies and said, quote, several hospitals have inquired whether there are any barriers to providing premium assistance? >> patients who come in and out of the hospital often because they're sick, to actually help pay their premium, to subsidize for them the cost of health insurance. >> now there was one potential legal obstacle, melissa. on october 30th the health and human services department seemed to give a green light saying buying insurance for patients would not violate a key federal law. then on november 4th, the centers for medicare and medicaid sent a different

message, warning hospitals about paying for premiums, saying quote, hhs has significant concerns with this practice because it could skew the insurance risk pool and create an unlevel field in the marketplaces. now the hospital association argues it should be able to provide premium assistance but the insurance industry naturally vehemently objects. listen. >> the issue here is that when the entities that are paying premiums and cost-sharing are doing it solely to benefit themselves financially, that is a conflict of interest and that is something that shouldn't be done. >> so in the midst of so many different views, melissa, analysts say it may take the courts to make a definitive decision. melissa? melissa: it will get legal, jim. i have no doubt about it. it is going right to court. thank you so much for that story. >> you're most welcome. melissa: will hospitals turn this plan into reality? here is ryan tate. the chairman of the governing board for entegris canadian

valley hospital in oklahoma. thanks so much for joining us, ryan. >> thanks for having me. melissa: are you seeing this going on at your hospital? are you or would you pay premiums for patients who don't have coverage and using a lot of care? >> i think hospitals across the board and in all parts of the country, melissa, are really struggling. if you take our hospital system in oklahoma, entegris, share care and bad debt are largest expenses and writeoffs we have. this is the highest levels we've ever seen it, people coming in and not paying for their own care. melissa: would you do it? >> there is something we're looking at it. there are certainly legal issues with it. my biggest issue i don't have concern of the type of care or quality of care that we would deliver. our physicians are some of the best. my concern is that it is not sustainable. i would think that the obama administration would close a loophole like this very quickly because you're taking highest risk pool, putting them directly into the system where they're

costing the most and getting highest amount of care at that point. you take the lower enrollment, especially of younger americans into the affordable care act and it is not really a sustainable model but it would work out well for hospitals if we can do it. melissa: i don't know if they would be concerned about it not being sustainable model because it is sort of the model overall. >> that's right. melissa: i think one thing i would think you would be concerned about is the fact that you could potentially lose your tax-exempt status. i mean, for example, you know, a lawyer familiar with this practice was quoted as saying the laws regulating tax-exempt organizations limit activities that you can do to enrich yourselves. >> that's right. melissa: if you're paying, it improves your profits rather than your losses like you said. >> that's right. melissa: so are you worried about, you know, that you might lose your tax-exempt status by virtue of doing this. >> absolutely and that would certainly affect the charity care side of things and decisions we're age to make to help patient that is can't afford to pay for their bills.

so we wouldn't want anything like that to happen. at end of the day especially as a hospital, at entegris we have to make sure we protect quality of care and patient safety but at the same time we have to take advantage of all the opportunities we have. if there's a way to do it, we're certainly going to be open to it and long at it, and from a dollars and cents standpoint it would make sense if we were able to do that to subsidize it. melissa: from a cost benefit analysis point of view, it makes all kind of sense. if you look at uncompensated care across the nation rose 12%. just in the last year. that is $45 billion in care that is going out that no one is paying for. so i would think you would hire someone to stand in the admitting area of your hospital and if somebody walks in and say do you have insurance and they say no, i would think you would quickly stand there with ipad and sign them up. >> absolutely. and again the problem i see is if you look how this administration has handled almost everything across the

board, medicare, medicaid reimbursements, how much those have decreased and really put us in a bind, the biggest issue for me is the sustainability of it. the obamacare, they're going to look at that as an administration and see that if hospitals across america do this as a matter of policy, they're going to bankrupt the whole thing pretty quickly because you're putting the most expensive people in the system which from a hospital standpoint would be good and would help us to, you know, pay the bills and deliver quality care but it's not sustainable, how low the enrollments have been. melissa: takes the whole system closer to bankruptcy. >> that's right. melissa: would you be concerned about the reaction -- i understand you're not doing this yet but thinking about it. >> sure. melissa: at first health and human services seemed to be in favor of it and encouraging it. as you heard in the story that came before you on november fourth, they sent out a letter asking insurance, insurers to reject payments. >> that's right. melissa: they warned of action

if this continues to happen. so to me, i mean the flip-flopping would make me very nervous. >> well, and melissa, that is something we'll seen with the affordable care act from day one. they have flip-flop on everything. the thing was never ready for prime time. in my opinion it shouldn't have been introduced when it was because it wasn't ready. i think they are very reactive still. as things happen, they're having to in a knee-jerk reaction with a knee-jerk mentality, say, oh, wait, you can't do that when they're realizing a true problem that could be there and that's why i think as a matter of just economics on their side, they would probably close that loophole pretty quickly if we found a way to be able to do it. melissa: ryan, you're chairman of the governing board of this group of hospitals. those are very frank and honest words coming from you. thank you for coming on. >> i appreciate it, melissa. thank you. melissa: coming up, is it a promise the president can keep? he made a list of hard-hit areas that need major help. congressman david schweitzer is

here on whether it will work. you may have heard of certain velveeta supply issues. have you heard about this? is the polar vortex to blame or the super bowl? or is it just a big publicity stunt? hmmm. join us as we investigate. have you been to the supermarket? do you ever have too much processed cheese? [ me announcer ] this is the story 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 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 ♪

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melissa: the president's big promise. today president obama announced the first five locations for a so-called promise zone plan to take place. san antonio, philadelphia, los angeles, southeastern kentucky, and part of oklahoma. the plan is to cut crime in high poverty areas while attracting private investing.

the big question is, will a plan like this really help? the president has declared war on poverty. joining us is arizona congressman david schweikert. i apologize i butchered your name before. much forgive me. were you laughing when you heard that. >> yeah. you would be amazed i get called. >> i apologize for that. what did you think of this announcement today? what do you think of the pro many miss zone? >> i actually have two minds of this. president is now basically admitting failure for his programs over the last few years. they haven't worked but the second, i actually heard echoes of jack kemp. you know and frustration here is if the cuttings of red tape, tax incentives to grow the economy, why just five communities? why not the entire country? melissa: yeah. i mean except for that is it costings money? they're doing tax incentives. are they also spending money on

schools? i feel like there is more to it. i had the same reaction, i heard we're encouraging businesses to hire people by bringing down taxes in these areas and creating rewards, i thought, wow, great idea but i feel like that is not the whole story. >> it is never the whole story with this white house. melissa, it was 2013 state of the union address he talked about doing this for 20 communities. so our office has been sort of trying to dig in what details are available. melissa: yeah. >> with this white house there is always a hook. it is not just trying to provide certain tax incentives and cut some regulatory red tape that slows down business development but now they also want to do a bunch of social welfare, a bunch of this sort of bureaucratic managed of peoples lives which we know created much of the very problem this is intended to solve. melissa: in the short-term costs money. of course he is not the first president to do this. lyndon johnson started the war on poverty. gorge bush had his enterprise

zones. president clinton had his empowerment zones. but there's, no one ever keeps track of whether or not these things are a success. if fact i went back to try to look up some of these older programs. the general accounting office in 2006 tried to do an a report whether clinton empowerment zones worked or not. they issued a report that no information had been gathered. there was not enough data collected at the time that no one could ever analyze then later if the money paid off. will you let that happen this time? >> melissa, i'm impressed you did that. we went as far back as some proposes that jack kemp made during the reagan years. but that was actually much more streamlined, simple, straightforward. if you created this type of employment in these types of depressed urban areas, you had this sort of tax benefit that moved forward with you. it was very clean, very simple. we can show employment benefits but in what the president is

proposing, we think this is going to be a sinkhole of new social entitlement costs that trap these very populations we want to help. melissa: so how do you fight back against that? >> well actually maybe embrace the idea that says look, mr. president, you're now willing to admit that much what you've done over the last few years has been a failure. we embrace that. now the second part, if you're telling us that you believe cleaning up red tape and cleaning up parts of this tax code really do create economic growth, let's come up with a plan and do that everywhere. because doesn't every region of this country deserve that fairness. melissa: and he is going to say, nope, forget it. what do you do? >> yeah, you keep trying to work through it because the five areas that he has, shall we say articulated that would be the first five out of the 20 he promised, do need help but in many ways it is this very president's agenda that have damaged, i think about eastern kentucky and what he has done to

the coal jobs in that region. it is this president that has stuck it to these very populations. melissa: why do you say spending in these areas actually entraps people that it is trying to help? >> in many ways when you keep feeding the bureaucracy and making it more regulatory, let's take a look at eastern kentucky. what has the epa what is this president's agenda done to the mining jobs of coal and the affiliated auxiliary jobs that those create? in many ways this very president's agenda that have created the difficulties. melissa: congressman, thanks so much for coming on. >> anytime, melissa. melissa: all right. up next, the brewing scandal too big to ignore. governor christies is in a real jam over a big bridge. could end up costing the state millions in legal fees. i wonder who is going to pay? "who made money today?" these musicians were huge in the '50s and their record sales

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something, someone in official capacity had done. melissa: you have less faith in ambulance-chasing lawyers than i do because i can see the lawyer

out there saying, i mean, there was a 91-year-old woman in an ambulance stuck in traffic. she later died in the hospital. >> okay. >> i could see her family saying if only she had gotten there sooner she should be alive. >> that we can use as direct damage. we have to prove her death was direct result of some breach of a person in their official capacity. the problem is though, that the attorney would also have to prove that the person in charge did it shrouded in their official capacity. then you could reach into the pockets of the state and ultimately the taxpayer would pay in that instance, however, they did not act in their official capacity. melissa: what do you mean they didn't act in official capacity? >> they acted outside of their official capacity. in other words none of their actions were condoned by the state. this is what the scandal is about. melissa: they would be personally liable? >> oh, as attorneys there goes beyond this is what this scandal is about. would they be personally liable?

>> that is something that is very interesting. melissa: prosecutors office and the state assembly. >> yes, the state assembly remember that governor chris christie was unable to flip the power dynamic in the state assembly or the state house controlled by democrats. just as you said here in washington with the house republicans and it is what their functionaries and that is now going to be the investigation function on the state level dinner looking for any type of link that they can find. >> connecting the governor, there is nothing so far but investigation continues. melissa: what about the city of

fort lee? you think that they had to have had extra people and cops out. i would think that the mayor would take that build and it would again fall back onto a what. >> yes, cool was that ultimately pulled the trigger and they acted outside their official capacity. so if they could say that this is part of my job then maybe they would wind up being able to give that to the state and then someone could end up being personally responsible. melissa: rich, you are someone who follows this. what was the scuttlebutt? the firings, has he been able to deflect it. is this something that is still building? or did he maybe take the wind

out of it today? >> it depends on who you ask. the democrats will say that either proves that chris christie is lying or that he has no control or created an environment of corruption within his staff and it took him a wild to really respond to that. meanwhile, chris christie comes out with what he says is the day after he finds out what happens with his staff connection and fires people immediately. and then there is the other republican side and senator rand paul came out with his critical side of governor chris christie. that is nothing new there. also the internal republican dynamics and what happened between his son and the government. melissa: michelle, you are someone that assesses peoples

credibility. what do you think of the case? is a believable in your mind? did he make this case? is a believable? >> i would honestly be so proud of him. i really would. coming into this and reading the headline, i thought here we go. and again, it is not necessarily that he is saying that we didn't know. and he is saying that i should have known. and he is not necessarily saying that i had no idea what is going on and that's very refreshing. especially for someone like him. i'd be very proud.

melissa: refreshing? were clever? >> i will say this. take a look at the other gubernatorial scandals were the governor reads a statement and then exit the stage and then you hear the reporters shouting the question. when chris christie left after nearly two hours today. and he just stood up there and he took it. if there is one way to play this, that is certainly a good performance. melissa: thank you both for the discussion. all right, coming up. the god awful scenario that keeps gzip lovers awake at night. craft is running low on they'll be out. in some regions they won't have it for months. we are talking to people across the country to investigate about this. tell me what you think. this is a disaster. are you panicking yet? at the end of the day it is all about "money" and they'll be

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melissa: i never thought that i would say this, but america could be facing a velveeta shortage. we are eating more goodness than ever before. this close to the super bowl, it has the nation in cheese topping terror. my fans actually have to go without the fluorescent orange deliciousness. what is all this hype? we are in a desperate search for cheese. >> i think it is a bunch of baloney, is what i think. i have been in a dozen stores today and only once have i found no bella vita cheese. and so here we have this, the brick, the 2-pound brick of

cheese. in the original and here we go, we have that and this is baloney, i think. there is plenty of velveeta out there. melissa: there isn't a mad rush? maybe there is not a shortage in your area? do you think that this is all a very clever marketing campaign? it is surprising that it's just before the super bowl. and i certainly need the gui goodness. >> i know, some people have said that the sales must be down and that is why they are into this. but we have only one story that was out of velveeta. it's if it's a marketing ploy, it is genius. we will love the words like

cheesepacolypse. melissa: okay, let's test that theory if it's real or fake. get everything that you have there and i will send you a check. then we will go ahead and split the profits on ebay. does that sound good? because the show is about making money or losing money. it is called "money." let's do it. you go pay for that and i will send you a check. in the meantime, we have some other guests here to talk about it. so with reaction to the shortage is this chef and author of mouth. the author of macaroni and cheese. it's my favorite food. and a box collector, i have to start with you, ian. that introduction this begs some questions. first of all, i'm not sure i believe that your last name is golder. macaroni and cheese. what are you collecting your?

>> the last name is a coincidence. i am collecting the storebrand macaroni and cheese boxes. i have about 500 from stores all over the world. melissa: what makes them a collector's item? are you going to resell them? >> it is more of an art project. it's a different way to show a bowl of macaroni and cheese with a spoon stuck and. melissa: it may not be good for ratings, but i guess i'm very surprised by that. you believe there is a shortage of cheese before i go on to stephanie? >> i do not. i shop at the source may all have velveeta. melissa: it is feeling very much like a ploy. stephanie, you are an expert as well. what is the fascination with

velveeta? >> is actually a dairy product. melissa: stephanie? what is a? because it seems like chemicals to me. >> from a culinary standpoint i@ is cheese and cheese cultures which are pretty much the only things you need besides maybe a little bit of solids. but if you read the box it says process cheese food and you have to wonder what that is. what is this and so technically it is a cheese. the average american person might not think that. melissa: by your definition, is that what you feed them?

>> that's exactly what i was thinking. but when you make it in a dairy, it isilk and in science and it's been aged for a long time. there are tons of chemicals and there that don't necessarily go into your average to use. there are stabilizers and derivatives and colorings that they use to make it orange. melissa: do you have respect for velveeta as a respect for a book on macaroni and cheese? >> i grew up on velveeta cheesemonger display that i am praying for the day that there is a true shortage so that people start eating real cheese. melissa: okay, send me a picture of your collection. >> okay, it's on its way.

melissa: coming up, it is what you have been waiting for your whole life. one company is actually developing an english translator who is helping your dog talk to you. you have to see this. you can never have too much money coming up next [ male announcer ] this is the story of the little room over the pizza place on chestnut street the most first floor bedroom in tallinn, estonia and the southbound bus barreli down i-95. ♪ this magic moment it is the story of where every great idea begins. and of the 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 ♪ ♪ this magic moment

so i can reach ally bank 24/7, but there ar24/7.branches? i'm sorry, i'm just really reluctant to try new things. really? what's wrong with trying new things? look! mommy's new vacuum! (cat screech) you feel that in your muscles? i do... drink water. it's a long story. well, not having branches let's us give you great rates and service. i'd like that. a new way to bank. a better way to save. ally bank. your money needs an ally.

melissa: it is time for a little fun with spare change. how much money would you pay to hear your dog? soon you will be able to buy a dog translator called no more

woof. then it outputs a phrase in english. it is a dog to english translator. and this is the founder. how does it work? >> it is basic stuff from michael computing and eeg sensors we are able to find this and translated in to english. melissa: so you have identified three key phrases, i'm tired, i'm excited, and who are you. >> that's right. and that indicates if the dog is curious or not. melissa: when the dog says i'm tired, they are jumping up and down. and then when they are saying who are you, they are sniffing you to figure out who you are.

are those two obvious? >> i would not say so. but it seems like a major leap forward. and i must say that it is very interesting and we hope to be able to start identify more of these patterns and matt moore of the brain activity and we are actually working on i'm hungry as well. melissa: if you want to go down the lane of what is really obvious when they are looking for food. you might turn the little box off if they keep repeating what they are saying. [laughter] >> yes, we have a button.

>> yes, that is like really mystical and so the two-way communication, i think that that is just too far ahead as well to say anything about that and it would be a beauty as well. >> one of the reasons we found is that you're raising money. >> yes, the no more woof micro is a basic version where you can try it out.

in both of these products are working prototypes. melissa: you will have to finesse ones we can try it out here. so thank you so much for coming on. we appreciate it and good luck to you. >> thank you so much. melissa: so who is making money? these musicians are the brains behind dozens of heads in the 50s and 60s in their albums are tearing up through the chart half a century later. find out who we are talking about. when we get back, you can never have too much money

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