♪ hold ntoyour i seatbelts and charles: this year is going to be a bumpy ride everyone. i am charles payne in for neil cavuto. imanmarcus were jarget nd a new report showing 91 major attacks have been reportede verse 43 days of this year. that's more than two per day. and it's not just big retailers that were talked about. medical offices, localanks thomas school diricts. transportation companies and ev nursing homes.

our security expert says don't expect these attac to stop anytime soon. so it's going to get much worse? >> yes, we are in the embryonic stge. the business model is terrific. the amount of revenue alone that this will generate, i mean, with just in 2011 alone it was over 400 billion. charles: whenever your too much about the bad guys having a business model, but that is exactly what is going on. >> these are brilliant guys tonight transnational organized crime groups are brilliant. they play our weaknesses, no ideas our culture against us in order to penetrate us. charles: you said what we have going on here is akin to a perfect storm of disaster..@ >> no. that is -- when you start talking about the results of cyber crime, they could be financial, physical, go against infrastructure. we are looking at now is the genesis of going into the revenue stream associated with attacking the very severable markets. charles: we just had this big

target hack. it feels like -- and maybe we have not had enough data out, but it feels like it was miniscule with respect to the actual economic damage done, at least to the consumer. >> look at it this way. the reporting of 200 million with target suffering, but that is only talking about the fraud and money. but about what it will cost their brands to reconstruct. shareholder value. these types of things when you start talking about the damage is extraordinary. charles: where is the disconnect? it feels like consumers, even the target busted big time, it feels like maybe they were more forthcoming and have the gate, just a lingering damage might have been mitigated, but it feels like we do not stop using our credit cards. we don't stop buying things on the internet. adelle stopping information out thereormation and the retailers haven't done much to make us feel more secure. so where is the disconnect between the consumer and the

businesses they were talking about you where it comes to is the board of directors and the fact thatcybersecurity is not a priority as it should be. you're going to see that is going to change going forwd. because we are oing to continue to use credit cards and that's not what this. escorted americae need to do a better job of protecting that information. charles: the guys are ahead of the curve ball. there's a lot of companies working on stronger network security. but it feels like he's weighed thpros and cons and they cost too much to implement. we would rather pay this. where the bad guys always be ahead of the curve muster something catastrophic were trillion f dllars were hundreds obillions of dollars are lost in one fll swoop?

>> businesses artrying to decide whether i invest what is the risk of this happening to me. >> so far? >> so far we are losing it. they taken this with the occasional heads. >> is expensive. this is reall going across the movement. >> i have to tell you that it's been an unmitigated disaster so far are yo i didn't realize that there were twa day going . two tt's the pot. >> i wat to say thank you. i do tnk you. because this is something that will be a huge catastrophe. so we thank you. >> thank you. chares: cybersecurity is a huge threato small businesses. but all the obama administration has done so far is released safety guidelines as to how to prevent these attacks are yu as apple ceo says the whi house needs to do more to protect

business owners like him. so what exactly should the white house be doing? remark i am not exactly sure. m t that smart. but i do know that. if they were doing anything,e probably would have heard about it. because they are trying to put a good face on it. every man and woman and child in e united states of amerca is in some trasure trove hydrides somewhere, nd i know what we have spent in our company day-to-day in terms of people attempting to get in. and i'm ver concerned that the nsa has not been -- that they and hacks. so what did we learn from that? the nsa onl has target but they look at. so now all of us ae in the. charles: you have been waving the flag andare somewhat ahead of the curve.

someone probing you operation on a daily basis? >> two are obg us o a daily basis. one company in particular. >> okay. >> we id $200 per month or unit. so w have 38 unit at $7600 per month to pay a third pay to continue to do so. and we also find our own internal secu. we have fo people in our t. department >> who is the other wod be hacked enact. >> third-party pele. both internally as well as externally. sometimes our own pele get paid two you also have foreign threat. >> yes. >> kind of kcking the tires to see if there's any one ability. >> yes, we know about them because of the third partiess that are continually scanning

us. chles: what is atisk here? chles: what is atisk here? >> okay. charles: we hear the news and we hear the stories and most people say i shop at target, maybe i didn't lose anythi. my card was not compromiselast year. so what is the big risk we are missing a mack huge risk is the confence that we have in the them in our government. charles: w as a hae consumer, we one day have to move something that wcan't get back. >> you're absolutely right. department stos, their pricing shrinkage, we hearhat all the time. so it has to be paid for someere along the line by the owner. charles: so in addition to prices going up, it's something so horrif that it shocks us out of not going to your stories and out of not shopping online and put this in sor of a fea mode? >> hopefully you build your brand strong enough that if that

happens that people will continually go at yu. who knows. charlls: you have been ahead of the curve. so far we haven't hed any more stories from you and your business. >> i don't think you will either. charles: i really appreciate it. charles: what's better than kate upton? how about three kate upton? the new cover has been revealed that we are here to celebrate. that we are here to celebrate. ♪ in the new new york, we don't back down. that we are here to celebrate. ♪ we only know one direction: up so we're up early. up late. thinking up game-changing ideas, like this: dons of tax free zones across new york state.

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charles: in just a few minutes, if you wish -- look at would join a with the sports illustrated cover model. and there is a business as well. they fox business alert.

and we are talking about these newstandards. a lot of peoplare calling them draconian. and we have th mileage portion of it. the cost is just unbearable. the average pass through course on theesearch and development to get to those standards with $10,000 per vehicle. charles: so if wanted a ford truck, that is your10 grand is for this today? >> yes. absolutely. not to mention the ancillary costs associated with that. these vehicles are smaller and they will increase by 50o 70% depending on the vehicle charles: from what i understand with some of thhe other standars

that have been passed, a lot f them have done this technology wise and so they do i by using lighter material imax and i guess. the cost to fix hat, it will be a little bit more resistant and they will be prohibited. insuran costs are going about 20 or 25%. >> it's so funny that you say that. charles: that has to be rugged. so for you, one of thebig things is that the real agenda is to get dealers like you to

sell ars thatthe american public has rejected? >> yes. a lot of the electric cars that e government pushed on us. but what they don't understand is that part of that is asated wit cars and so we have the chevy impala or the cheapethe ford. and they arenow bei incorporated on e everyday cars tt went by. >> so where do yo stand and have you adjust this? they are puing in these sort of very quick this because i think veryone agrees with natural revolution by pting in these artificial timelines area and so have you adjusted? >> the consumer is picking up the end of the tab and i have

vehicles on the road also because i have a cost associated with us. so then i take in gornment regulations into account. this vehicles and less money into the economy. charles: if the administration steps ck, it would still have been? >> yes. it would have been because of the consumers dictate it, let the arket dicted enabled to pay what the consumers want. anytime the is government interfence i haven't heard anyone saying that it was good for the people. charles: befor i letou go, is there a yellow flag out there?

the average car is years old. is that kind of faded away? and i uess. stooges have to see thi and so you will see tat at abot 14.5. charles: 14,500 per year cars sold. >> yes. i think so. >> what was the prerecession number -- it was 9 million. charles: so we're not doing too bad? back now. >> it was about 10 end the recession was about nine. charles: we appreciate your expertise. it's frustrating for everyo. we are looking at capitalism and it doesn't have to be force or per tentatively expensi you are the zoomer. we appreciate you sharing the best. coming up next, see this smack

of the popular myth that it's just not accurate. >> find out what mythshe is

>> there is absolutely no evidence and every economist will tell ou that if there is any job loss related to the affordle care ac. charles: that is not what the cbo says. kathleen sebelius ing that there's no evidence health care law will drive employmentdown. but the cbo saying just the opposite. julie baggnski is here let's start with you what was

she doing wrong here? >> ithe administration really believes that is not impacting jobs regarly, why does this have to testify this and it has nothing to do with reducing the cost of obamacare. if it doesn't affect jobs, why this oath amax 21st and foremost it will reduce job hours. and listen, you can repeat it all you want. >> read the reprt. >> they actually disputed thi and said that these are people that are going to retire. charles: why did the administration talk abut people

working last and they said that this is a goodthing that there are fewer people woing? >> it is a good thing. people like mitt romney's advisers talk aboutit in this allows you to do this you can retire earier. so charles is not listening to anytng that you and i are talkin about. >> i'm going to agree with julie, so help me out here. [laughter] >> we heard from many businesses, large businesses, the olive garden, papa john's,

the list goes on and on. >> i don't know what kind of insane thing that they have descended into. it doesn't incentivize jobs. but it frees people from having to work you are free from having to work. well, through ssidies. okay, th would be the people who still are working and apparently it is okay for them to voluntarily have to support the who want to pursue their dreams. so when did this turn into this poverty fast working your way into better circumstances? >> i believe in entrepreneurship. i believe at people should go out there and create jobs and have the freedom to go out there and build a new business. so i can't do that because i

need hlth care and i'm tied to my dead-end job red i still need to build a business. charles: what percentage of people who decide not t work are honestly going to go out and do this. >> the low single digits? >> it could be a. charles: a grown man, i should pay for his insurance? >> the taxpayers are getting your subsidizing right now. i choose not to have health care. $2200it is mine and your tax dollars. at's charity care. >> and he in your heart of hearts you thinkhis is a good thing?

>> yes, i d charles: let's leave it thhre. you guys are extraordinarily passionate. so not one, not two. but three. sports illustrated swimsuit models are on their way here now and can you believe i'm getting paid for this? ♪ no two people have the same financial goals. pnc investments works with you to understanyours and helps plan for your retirement. talk to a pnc instments financial visor today.

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charles: "sports illustrated" swimsuit edition turns 50, it is turning heads, partly because barbie made its debut, i told you there was a business angle. barbie is not only reason this issu i grabbing headlines, for first time ever three models gracings cover, all 3 with me

now, ladies, start wh you, i saw the video, you thought you were being interviewed. then you found out you made the cover, why so emotional? is this like the pin -- pinnae of where you could be as a mode >> iaw raw, pe joy. >> it is for all of us, i was at a skype call. it is a great accomplishmen one of the biggest things you uld to when you are a swimsuit model, such a legdary magazine, this is a 50th anniversary its a big deal. charles: christie, i heard you quote, cried like a baby. >> i reallyobbed, my eyes filled wh water, but no tears, i was shocked, as soon as camera turned off, i was on the floor hugging lilly it was very

emotional, my scarf was soaking wet when i wentome. charles: they it catch you off guard, and the whole thing, let's talk about the sot, when you go the shoot, it was on cook island off new zealand. >>e all have our separate days then shoot we shot togethe was in the afternoon, it waso magical, pererfectighting. the water was crystal clear, we have amazing jay shooting us who well love, we felt so great and comfortable together, it was efrt less. charles: we have the same birthday. >>eally? when is your birthday. charles: november 15. >> scorpio. charles: yours. >> november 30. >> that is my son's, really. >> creepy. charles: wha it is. >> what about march 26

anything? %-something later on. means listen, weant to talk the business angle. this is from a professional poin will view we talk about emotions, you saw the cover, i don't know if you saw it but i hear the cash register ringing, talk about previous cover girl, christie brinkley, wror el mcpherson. and tyra banks, kathy ireland, it was not just beauty, they got involved in differentusiness adventures, are any of you -- i know you a. >> who would not want to follow in their footsteps. >> it is daunting, the pressure is othey have done so well with their caree, we would love to become moguls. >> i feel like, si swimsuit brings it out,ntelligence,

successful business women. charles: law talk about cape upton in endorsements alone, audience just -- she was the cove girl last year, mercedes, carl's jr., guess, sobrec, directv, and t list goes on and on, so, i amure endorsements will come in. >> just being in the issue, thing are thrown your way, you get so much from being inside of the issue. i am like oh, my goodness what is going to happen for the next year. charles: a whirl wind. >> a goo year. charles: how do you make your decisions? >> i think, we're -- we have all been models for a long te, you go with your gut, brands that you love and trust, and respect, you make business decisions. >> it is a natural thing. charles: if i was you, i would say lg-termeals, stock

option snrs stock options. >> now wre talking. charles: 200years from now, you will thank me, you say where is that guy. ok, now who wants to be a businesswoman? >> all do. >> such a fleeting career sometimes, models, you know expiration date is a lot younger than most other industries, you try to launch into other things, i would love to do something oking. and designing, there is -- it is go so many different ways, you? >> you just have to go out and do it. charle make it happen. >> all you have been successful already, and i apprecie it the staff appreciates it those 89,000 people inhe hallway appreciate it. thank you. >> thank you. charles: just in, the economy is picking up, y know what that

means, more couples are splitting up, find out why divorce lawyers of where are cheering. there's th kid. coach calls her a team player. she's kind of special. she makes the whole team better. he's the kind of player that puts the puck, horsehide, bullet. right where it needs to be. coach calls it logistics. he's a great passer. dependable. a winning team has to have one. somebody you can count on. somebody like my dad. this is my dad. somebody like my mom. my grandfather. i'm very pround of him. her. them.

iwe don't back down. we only know one direction: up so we're up early. up late. thinking up game-changing ideas, dozens of tax free zones across new york state. move here. expand here. or start a new business here... and pay no taxes for 10 years.

with new jobs, new opportunities and a new tax free plan. there's only one way for your business too. up. find out if your business can qualify at start-upny.com charles: foxusiness alert, the better the economyets, the higher the divorce rates get, divorc in united states up for a third straight year, following a recession where ratesere lower, once married couples are on sound financial footing it makes it more comfortable calling it quits, dr. robo ludwig, -- robi ludwig. and diva licious, for a lot of people ts sounds disturbing, not such a good news story. >> it is harsh and calculating. charles: you know maybe not the way america used to be. i looked at a chart of back to

1903, it does seem like there was a time when people may they forced it, but they stayed together. >> there is a different mind set. since the '60s even '70s, people' different things out of a pin persona -- out of a marriage, they want to feel personaly fulfilled, financially fulfilled, emotionaly fulfilled all from one person, people are not willing to jeopardize their personal heapnes as women feel intoto fling more security financiay they have the option to divorce and still fee financially secure, that was not truen the past. charles: the pecking order? financial, then emotional, satisfaction? >> i tnk that we're finding now is that more and more women are able to g jobs, it be out there and earn their own living, not rely on husbands, if they are not happy, they can actually

take a step and leave this marriage. so we are -- whether is financial o there are so many aspects to why people divorce, at the end of the day i think it will is about a woman and a man, they have to find their happiness, what makes them feel you know whether this is right for me,ife is too short to live not be happy. >> there are many women, who are earning more than their spouses. dung a time where they expected to be supported by a man. so if they feel their husbands are not pulling their weight financially, feeling emotionaly -- >> but they don't have to be supported by their men, but it feels like in those households, that you re talking about, maybe there is an inadequacy, and particularly it is broht up, i make more money than you. >> it hard for a man to feel good about himself, even anes

cue lynn if he is not living up to expectations of his wife. >> more and more couples are workingogether trying to make it work. charles: back t idea we should all be so happy, every day of our lives, what about the part we get our fingernails dirty and we go through rough patches? any idea of worng through the rough patches any more, as soon as you hit that rough patch, call the divorce lawyer. >> i have been married 13 yrs, marriage is like a roller coaster,ave you your ups and downs, anyone that tells their marriage iserfect? charles: legaltuff, same chart i was talking about the low level in 1950s, really took off in 1970 when cifornia put through the no-fall divorce, if it was happy hard targe harder to harder to get divorce.

bottom line is we don't know how to be in relationship, we don't really know what love is or supposed to fee like. people do compare their lives to what they see inhe movies, then can make a decision based on whether they are happy or not, i think we nd to kind of tweak our expectations as to what marriage circumstance what -- is, who it should feel like, and why it might be imptant to stick it out. charles: there was aime when we were happy because we ate and had a roof over our hea it was simple, you chopped wood, i cooked food. >> those days are over. >> sometimes if you have too many choices it can be dangerous, you may not make the right choice. charles: 17 years particular, friend years married, yr secr. >> our sret to success us is we're real, we have our fights, we have our cuts, and cries, but

we have our laughter and joy, one thing we try to do, i try to make a "date night" -- try to make a "date night" with our other or spouse, to if back to who you were bfore the children. charles: you would admit, something akin to extra job? >> it is an extra job. it is a whole job, it is a job. >> you have to figure out how to help each other, be what you nt to be in life. if you feel you are with a partner -- >> a partner. >> who is help you cate your dreams, that is helpful. charles: that is a beautiful necklace, i did not want to digress too much. >> part of my new line. a vaguablavailable and affordable. >> thank you. charles: 5 years, billions of bucks later, he was warning

then, see how his ♪ see what's new at projectluna.com

charles: tonight we're rerack could a tape from 5 year ago, a warning back then that the new housing bailout was not worth the cost. >> welcome to big government that just got bigger, about 75 billion bucks bigger, president is broadens rescue by including homeowners who are still current in payments but may not be for long, government is ripping up millions of mortgage contracts, how do you avoid folks for taking advantage of this. government willing to takeover banks that condition lend, and car companies that can't sell cars forcing mortgage providers to provide mortgages for those who condition pay. charles: 5 years later, and billions of dollars later was he

right? rhee analysts say, absolutely, jason. >> it has been a failure, a bailout of the banks, and these people have basically -- they have modifications did not stick. you had a blout of theanks, modifications that did not ick,anks are now you know, stick with foreclosure. charles: you say didn't stick that means people were given better terms, lower m monthly payments they still are defaults or foreclosure? >> yes, the modification,ust caused prolonged pain, you had foreclosures that came on longer, and harder. charles: you know, what is interesting about that. even with the bait-and-switch of teas loa, you know where rates were ery low for 6 months to a year then they jacked up, large percentage of people with lower ones, before they jacked

up, a foreclosed. in reality it was a activity way, greg, you don't think it was worth the effort? >> no, i thinkhate actually created more foreclosures than prevented. there was a period of time where the government reall of harassings banks. and at the same time wondering why they were not lending. but i know for a fact from seeing, the commentary from government, policy from government, then resulting increases in foreclosures, there was a clause and effect, it backfired on foreclosure prevention, we did not prevent many. we tamper with housing market, probably. pro long recovery. charles: know, on that note, prolongi the recovery, inat this time datinn banks --

intimidating banks. survey of senior loan offices is out, i see where they are getting looser with loan requirements from businesses, but they are getting tougher with homeowners or would be home enershat is that? i think this is schizophrenia, t lending industry does not know when the next shoe is going t dp. it is just turns them upside dunn in knowing h to underwrite mortgages, butarket recovered in large part because of cash buyers and cash investors. there were a lot of people who did have many who have a huge amount of fighting in an overall recovery, it isot just about banks lending, this recovery happens because the market corrected. charles: we have chinese investors in there take us forward. >> it is artificially propped up. right now. you have blackstone buying up houses.

yo have foreign investment buying upp houses. where is the first time homebuyer? yo have 3-year old people living in their parent's home bedrooms and basements this a market that is not been recovered. you had 5 yea, and you -- what are we left with? you have people buy homes with jobs, we need jobs, plants manufacting. charles: maybe a real housing recovery, you are fantastic. really appreciate it. >> candy crush, the world is talking about, but next, find out how iestors could be the out how iestors could be the ones getting my dad has aor afib.brillation, he has the most common kind... ...it's not caused by a heart valve problem. dad, it says your afib puts you at 5 times greater risk of a stroke. that's why i take my warfarin every day. but it looks like maybe we should ask your doctor out pradaxa. in a clinical trial, pradaxa® (dabigatran etexilate mesylate)...

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and. >> some say is addicting but will it be one of the oddest stocks? kid a crashmo announce todayo it will go public. i

will this be a sweet deal or>> not? >> talk about addictive video games i thought you were talking about packing and. w [laughter] add am to it was the major stock of that '80s and '90s with the arcade video games like fvou that is what candy crush is. flavor of the month. a lot of the social media gave is re at 52 week high but i applaud avoid this. >> over 90 million people played the game in the month of december the company did over $1 billion of revenue. what is not to like? >> i don't believe investorsc it is trying to go public h you have to strike while the iron is hot it was hottestir

in the third quarter. their profitability with even a dog than they pay users that peaked in the third quarter my own kids used to be candy crush players but they have moved on. i seek we have peaked.en >> the term one trick pony comes to mind we have seen this before. i agree. toyota testing wireless charging for electric cars. t would this be enough to charge of their cell phone? >> you have to be amazed atin the innovation or the miracle that the industry's come up this is just one of them. besides the fact you cannot sit in them is having to plug them and so this would

be applicable to other industries but honda is not a maker i would make not toyota. >> but apple and tesla has been slowed the obscene or talking to each other.not is there anything there? any thing to make it a lot more attractive? >> just for a fact apple and -dd tesla did talk. but it was one year ago.s then i think they have greater management but it all comes that up price. when they were punished aid the stock then that was opportunity but that was below budget 50 now then stock is over 200 we sold it t

today. everything is priced right n now even though it is a great product. >> we bought it out would hundred 20 and got back at what it to 56 a you had more nervous than i didng. >> nothing wrong with making money. >> we had the automotive experts that says they think the car is the elbow haiti uproot? -- haiti and fruit? back hot dusty you tell but tesla is its own identity. but looking at a evaluation but gm for users are not the particularly strong and honda is the best of the bunch. >> do you hear that music? ♪ it is time for the nightcap. will be watching?

>> the fomc minutes out at 2:00 eastern. there was a time when the earnings their product development dominated thefede economy. so those minutes are market movers.t >> so if we go on to the promise the economy has not turned a corner the stock market does what?th to make any sense the tapere is awfully concede that move significantly higher with the indication that the hair a win is back >> everybody likes said until they tell. [laughter] >> i agree. look at the fomcou l you look at the housing starts, it for any hint thatda this soft batch is weather

related but i also think watched the tesla earnings tomorrow that is the granddaddy of all but some stocks.e if they do well it shouldt keep the valuations lofty otherwise you will have the halo effect. >> i disagree if the fed goes back to prime the pump the street will be disappointed. but at some point there has to be reality. i know it is old-fashionedt i thought the kid you help me? >> no. a as long as the fed continues to taper they will all they do it if the economy is sound dated if that happens they keep on tapering. overall that is a good thing for stocks.

>> i love you. you are one of my favorites. going to the upside everything is related for the next month thank you for watching. >> the world is on fire in and nothing you can do about it. protesters taking paillettes a and stun grenades to the opposition to a similar protest in here the president now has a vocal class into apathy while you are sleeping they are fighting a better way of life how can they shove through measures like a mandated minimum-wage? $10.10 per hour? why stop there? what do they know? they are all the right to