jo ling kent is looking at way that investors like you can make money on the deal. jo, first, facebook shares recovering from losses earlier in the session. i guess investors think it was a good purchase? >> a large majority are still saying buy or hold the stock. only two, every core and pivotal actually downgraded it. they downgraded basically to a neutral. we're looking to a $19 billion deal, two billion with restrict the stock units to the staff of% whatsapp. one millionnnew users every single day signing up for whatsapp. ttis seems closely to be another push in the direction facebook said it is going in, mobile first. looking for different ways to create stand alone apps so people don't feel like clicking on blue f and signing into facebook and seeing everything is in one place. they're really diversifying after paper which of course has been doing reltestifily well. it is relatively popular in the

app store in terms of design and seeing what your friend are saying. whatsapp is doing pretty well. adam: stock is going up. they haven't told us how they will make money because they don't like advertising. >> that's right. adam: nicole, you're looking at other stocks that could benefit or lose because of this deal. what have you got for investors? >> this is $19 billion blockbuster deals and some other names besides facebook are in some way, shape or form, going to have some sort of a correlation. llt's look at some internet providers and some of the cell phone carriers and see how they are faring on this day as we look at names like comcast and cablevision. you can see all up airarrows across the board. granted one of those risk-on kind of days. time warner up 1%. charter communications up 1.7%. cablevision also a winner. here are some cell phone carriers as we talk about this blockbuster messenger services that is going to be occurring. you obviously see the cell phone

carriers due to be beneficiaries of this t-mobile up half a percent. verizon up 3 1/2%. sprint-nextel is up 1%. blackberry also, this is a interesting one. this is the one to watch here because now they have their own cbm, right? blackberry messenger service, that now people are starting to realize, you know what? it is probably more valuable than people thought. if facebook was willing to pay 19 billion for whatsapp, how much are people willing to pay for blackberry? blackberry got upgrades today. that is ongoing story. keep an eye on google. google may be a loser in this story because whatsapp has shares, 19 billion messages. this is what google missed out on. some say facebook rushed in, paid top dollar, got whatsapp to make sure google didn't. back to you. adam: don't forget dan lobe just brought into blackberry. that is double-whammy for them. >> double goodie. adam: nicole, thank you very

much. we're shifting into something that is getting a lot of attention. charlie gasparino is looking into this. the global banking industry suffered total seven or uninexplained mysterious deaths. of these deaths suicides. the latest death a 33-year-old banker with jpmorgan in hong kong. senior correspondent, charlie gasparino is here with details. is there some kind of connection, a conspiracy perhaps? >> there may be a connection. i don't believe there is a conspiracy based on my reporring. the connection is this. they all work in the banking industry. you know, if you want to play armchair psychiatrist, we have to do this now. so the viewer knows out there, people commit suicide for lots of reasons. there were two deaths, appeared unknown causes but you know there could be natural causes. but, you know, one thing about wall street, it does attract a certain type-a personality. that type-a personality often

engages in certain types of behavior. adam: right. >> including drinking and drugs. adam: it's a hard life for some people. >> they are measured every day how much money they make. you put all that together, that, in some cases becomes a toxic brew. we should point out that this could be just, you know, numerically a cluster that just happens randomly. you know, there are things that happen randomly, but, as a reporter -- adam: you have to ask the questions. >> we were first on this. the reason why we were first on this earlier in the week because over the internet this stuff is a big story and i just decided to do a straight story about it on tuesday which just said, liiten, add it up. since the beginning of the year six or seven have died. that is the biggest cluster i've seen since the financial crisis. adam: one of the great myths of the great depression people jumping out windows in new york when the stock market was going down in 1929. >> that didn't happen? adam: that is myth, urban legend. i'm sure some people took drastic action. any indication that these people

might be panicking of perhaps pending financial downturn? have we absolutely ruled out some kind of homicide in these cases. >> yeah. i don't believe, we don't know for sure about whether someone was pushed. the five that committed suicide, looked like suicides. i mean i think that's the, that's the analysis right now. the two that died, that died, that are not considered right now suicide, they look like natural causes. i don't think they're related except for maybe on the psychological level. i think that is where, you know, i'm a person who has been covering wall street over 20 years. i can tell you psychological makeup of some of these folks is, you know, it is out there a little bit. these are very high -- adam: high strung. >> high strung people. they're very passionate. it attract as degree of people who do drugs and drink a lot. and, they are graded every day -@how much money they make.

that leads to certain aberrant behavior. could be that, could be unrelated reasons here but i'm just telling you that is what is going on right now. but just as, when i first did the story, there were people, that i work with who were, skeptical. adam: questioning it. >> skeptical whether there is story. i say this to the viewer. when six things happen all at once -- adam: you got to ask. >> i covered this long enough to know what is and what isn't. if i see six deaths on wall street, most of them, or seven, one of them is unclear, because he is older. right? he is older. adam: okay. >> others were in that cluster that you know, anywhere between 20 and 50, you know. when you see six things happen like that, i think it is, as a reporter you just report it out. adam: charlie gasparino will stay on this story. >> absolutely. adam: appreciate you bringing it to us, i know a lot of people not just in new york but across the financial world are watching this. >> this is big story on internet, i will say that. adam: charlie, thank you.

we'll turn to another story where people are paying attention to, in detroit, ongoing fight between the bankrupt city and bond insurers could set a dangerous precedent for entire $3.7 trillion municipal bond market. it is motown showdown. investors brace for impact. john smith joins me to explain why. this gets down to the very question of how you define the word pledge, doesn't it? >> absolutely it does. i mean both sides are trying to define it differently. the city is obviously trying to say there is a pledge to the pensioners that you're owed a certain amount of money but bonddolders, insurance companies, investment banks, which there is a lot bigger side by the way, are coming out saying no. we've operated in the municipal bond world our entire lives and it always been an assumption that general obligation means you get to the front of the line when things need to get divvied up if something goes wrong.

adam: this is important. let's break this down. up until this point having go bond, it was sack crow sang, you holder of that bond that you were first to get paid. if the judge rules against insurance companies that is off the table. what happens to all municipalities in the united states that try to borrow in the future? >> well it's a real chicken and egg sort of thing and sort of a circular reference f that actually happens, people start to analyze things a lot differently than they had before. you start to look, if there is an unfunded pension obligation within a municipality, then the general obligations there have to widen out, the spreads have to widen out which actually increases borrowing costs for those municipalities which in the end hurts those muse municipalities more than it helps them. usually takes an adult to come to the rescue. i hope this u.s. bankruptcy judge, rhodes is really the adult in that situation because what he said yesterday is basically you guys better come

to solution here pretty quickly because if you don't in the next two or three weeks i'm going to. i will not go halfway between each of you. one side is going to win and one side is going to lose which makes it a dangerous position. adam: let me draw attention. i want to shift a bit from detroit to puerto rico. a lot of people don't think puerto rico might be a problem. they will come to market with a huge bond offer in march. this question who would be front in line should something go wrong to get paid off, it hasn't been answered. those currently holding puerto rican debt my be secondary or tertiary in line. that will have problems, isn't it? >> absolutely. that's why when you hear who is puerto rico is talking about potential for demand when a $2.8 billion deal comes to fruition, this is not investment grade and retail, investors doing it. it is hedge funds and high yield investors. with the rating downgrade you have a whole segment of demand that just left you.

really ones i hear being positive about puerto rico at this.are mutual funds that hold puerto rican debt and puerto rican government which you have to take anything they say with a grain of salt. obviously their incentives to continue to prop up the fact they need the 2.8 billion to come at reasonable level of yield or you have the spiral downward and downward. adam: as we wrap up i hear you say mom and dad investors, looking for safe municipal bond in puerto rico is not the place. thanks for joining us on both detroit and puerto rico. >> thank you. adam: marriott international says the government shutdown hurt them in the fourth quarter. tell us why.enson is here to a new invention could save the government as much as 100 billion bucks in health care costs. we'll show you what it is in our innovation today segment. more of that's coming up.

sometimes they just drop in. always obvious. cme group can help you navigate risks and capture opportunities. we enable you to reach global markets and drive forward with broader possibilies. cme group: how the world advances. adam: talk about money on the move, dow is up 101 points. safeway is actively traded this

hour after saying it is exploring a sale of the company. coca-cola, ford motor and verizon among the most actively traded stocks. marriott international coming off session lows, a little bit flat, after reporting a tough fourth quarter marched by the government shut down -- marred. we have the ceo and president, aarp knee sorenson. he will let you know how you get in on marriott as well as check in. thank you for joining us. the report that you put out i know you changed the way you report to a calendar basis. so comparing fourth quarter of 2013 to fourth quarter of 2012, revenue 2.3 billion in 13 --' 13. kind of misleading isn't it. >> we had oddity in 2012 and we had four months in the fourth quarter and' 13 we had three months.

which. we look at same-store sales and revpar. we were up is 5% in the fourth quarter. it is good, solid growth that reflects building economy without kind of robustness we've seen out of prior recoveries. adam: we should point out not just revpar up in north america, it is up worldwide for you. investors seem to think this is good play for them. pe is at 25. going forward, you have big expansion plans. in 2013 you had 26,000 rooms come on the line and you have far more coming on line this year with a big play in asia, right? >> that's right. we signed more new hotels deals in think of the 2013 than we have before. we did a little more than one hotel a day. 67,000 hotel rooms. obviously none of those are open because they were signed last year. that really reflects the openings we will have next few years which should be 30,000 rooms globally etch year for thh

foreseeable future. adam: just in asia what you guys are talkkng about, 330 hotels by 2016. 96,000 rooms in asia. any concern, we got china flashed pmi today, it was below 50 so a bit of a contraction. any concern that asia might have a slow down that would hit your plans? >> asia is obviously a big part of the world. individual markets in asia perform veey differently. thailand has been very strong in 13. with the political turmoil thailand is not doing great. bangkok is soft market. indonesia is strong. india is complicated place. china which your question referred to specifically, we see continued growth of new units. so we're adding about a hotel every two weeks in china. we've seen the, trading conditions improve modestly. the government pulled back on its spending last couple years. the comparisons get a little bit easier. i thhnk in the long term, china will continue to be hugely important arket for us and

growing market of industry. adam: should we expect in the first quarter that the government is not shut down, held you back inhappen going q4 we might see you go that much further ahead in the third quarter this year? >> we have a little over 100 hotels in the washington, d.c. and the right expectations are that it will remain kind of flattish. the pressure on government on spend something not coming down. while the crisis may be over in terms of near-term debt ceiling issues or near-term budget issues we still have a federal government that is under enormous pressure and politics of both parties seem to be respect the pressure, maybe fight it around the margins a little bit but i would guess, demand, government demand in washington will continue to stay down. adam: arne sorenson, marriott international ceo and president. thanks for joining us on the fox business network. >> pleasure to be with you. adam: why more people on main

street are saying bye-bye to bankers and nihao to china. ever have too much money? [ male announcer ] whether itakes 200,000 parts

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sure. can i watch it in glimmering lake? yep. here, too. what about the dark castle? you call that defense?! come on! [ female announcer ] watch live tv anywhere. the x1 entertainment operating system, only from xfinity. adam: one drop of blood, two huge steps for the medical industry. spotlight for innovation. here to tell us what it means for the cost of health care is founder and ceo of. elizabeth, good to see you again. we talked in november when your company was expanding with walgreens. great to have you back because what people don't perhaps know about you, dropped out of stanford, or left stanford, to launch this company roughly 10 years ago. you're revolutionizing the way we get our blood tests. how is this going for you? >> well, first thank you for having me back. wonderful to be here.

we have had the opportunity to begin making it possible for people to do any laboratory tests from a tiny drop of blood from a finger, instead of having to have vials and vials drawn from their arms and it has been incredible to begin to see how the convenience and access and ability to do testing on a weekend or an evening, the speed of turn around of results and the tiny sample in combination with the pricing we've been able to make available, has bee gun to make it possible for people who otherwise didn't get tested or wouldn't get tested or couldn't get tested to begin so to get access. adam: tall about that. from the website your mission is to make actionable health information accessible to people

everywhere at the time it matters. >> right. adam: the key, if we use your procedure in they are ran knows. we would save 98 billion through medicare and 100 billion through medicaid. i can imagine the federal government is knocking on your door, i hope they are? >> there is huge opportunity to do what we do so well in this country which is innovation and leverage technology to achieve very substantial savings without having to raise taxes or cut programs and the opportunity to make an impact from a policy perspective, by, doing this, with the cost savings that are, numbers you referenced are direct out-of-pocket cost savings numbers, is really significant. adam: the other thing that is significant i believe is the goal, you would be able to have a blood test and we all have access to a test within five miles of every home in the united states. that is the agenda for theranos, correct? >> that is exactly right.

access starts with being able to be in a place that is convenient for any person to be able to get access to these tests and this information which is what we're doing as we buildout this footprint. adam: i just have to ask you, i tried in november. when possibly can investors get in on your business either through ipo or might somebody be knocking on the door to acquire you? >> well we have an extremely long-term mission. this ability to engage people, give them access to, empower them with their health data is a change that we want to help see in the world. so we have a very long-term plan and very long-term mind-set for building the company. adam: all right. elizabeth holmes. the company is called theranos. there are people in this world that revolutionize our lives, cocoa chanel, steve jobs, walt disney and elizabeth holmes. thank you. >> thank you. adam: they are turning instead

to foreign investors, most of whom are chinese. now it is all part of a program that dates back to 1990 called eb 5 which allows foreign investors to finance business in the united states in return for a green card. we have owners of a florida restaurant franchise group that uses the program and they are doing it successfully. they will teach us how to say hello to foreign investors. jack and joe, welcome to the show. thank you and congratulations. you have a barbecue restaurant chain, do you not, and you turned to foreign investors to get the financing to do it because the bank said no? >> yeah, that's correct. thanks for having us first and foremost. we use eb-5 program funding to grow our restaurants in a way we couldn't ordinarily do that through traditional bank financing. in fact we went to the restaurant franchise convention in las vegas a couple years ago and were told by everybody there that our brand and we were too

small to even talk to. eb-5 allows businesses like us to really grow much more effectively than we would be able to just using traditional bank financing. so for us it is really a win-win situation. adam: and it is, you've been able to raise a couple million dollars. joe, let me ask you because you're going back for more financing. part of the requirements of the foreigner who invests that jobs get created in the united states. when you meet these people, because you actually went to china to meet some of your investors, is their goal to become a u.s. citizen or are they looking for the opportunity? >> in most cases the primarily people are choosing eb-5 because they want to be able to emigrate to the united states. the expectations we, as eb-5 project will be able to meet all the requirements for their green card to become permanent. and then secondary not really so much a return on their investment as important as it is to them to have the capital

returned to them eventually. adam: do you find any irony, jack, in the fact we as taxpayers gave banks hundreds of billions of dollars yet lending to small businesses actually declined 20 7% from 2008 up through late 2012 and you found a way to get your business off the ground? >> yeah, i think irony is really strong in this situation. you know, everybody reads the papers how the government bailed out not just the banks but the auto industry and really the nice part about the eb-5 bam we're taking foreign investors money, we're bringing it to the united states, using it to build in our case, restaurants, and in turn, this is the crux of the program, we generate u.s.-based jobs for u.s. citizens. that is really the nice part for us is we're kind of almost buck the trend what happened in the country in tte last few decade where most, a lot of businesses are outsourcing. here we're actually in-sourcing. adam: jack an joe, i'm sorry we're out of time because this

is a great way for entrepreneurs to get financing for valid businesses when the banks say no. voodoo barbecue is one of the restaurants. i tell you i get up with shorty's south dixie highway, next time i'm home i will try voodoo. >> we're down the street, adam. adam: i'll see you. california lawmakers always make your blood boil but this will make your soda pop. warning labels on your favorite sugary beverage could soon be a reality. the lawmaker goes head-to-head with thewith the iidustry he's biggest defender. that's next. five tech stocks withore than a 10%... change in after-market trading. ♪ all the tech stocks with a market cap... of at least 50 billion... are upn the day. 12 low-volume stocks... breaking into 52-week highs six upcoming earnings plays... that recently gapped up. [ male announcer ] now the world is yr trading floor. get real-time market scanning wherever you are with the mobile trader app. from td ameritrade.

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>> your money is working hard with an hour-and-a-half until the closing bell, nicole petallides at stock exchange, some stocks on a move and they are? nicole: plenty on the move and a lot of winners to speak of. let's talk about direct tv.

they unveiled the $3.5 billion share repurchasing bill which is big news about shareholder value and we have news that the chief executive is saying their stock price is far below our intrinsic value. they had fourth quarter results that topped analysts' estimates and also keeping a keen eye on zynga which is doing well, zynga is a winner on wall street. we have seen a lot of social media tight stocks doing okay after the facebook news on what's app. right over here to coca-cola, up about 1/2%, coca-cola doing so well on the news today so that is a real winner as well. that is the latest. 9%, back to you. adam: the fizz has gone out of their sales. we will keep talking about soda because coming soon in california a law that might bring your blood to a boil and make your soda pop, lawmakers

considering a proposal that is expected path which would require beverage makers to brand sugary drinks with a warning label or pay a fine. here to debate the issue are democratic state senator bill mooney who is sponsoring the bill in california and karen had any of the california beverage association. most people no drinking too much of a good thing or a bad thing can lead to problems. they are not the kind of people who read the labels. >> i appreciate the opportunity to join you. the data actually shows there is a growing trend of consumption among young people, adolescents. we are deaaing with the public health epidemic, obesity leading to preventable diabetes. we don't enter this casually. the body of evidence is clear. leading source of increased

caloric intake by children is sugar sweetened beverages and we know that the consumption of those leads to obesity, that the sugar in a quick wit is far more damaging to the pancreas, the liver, then sugar in other foods that can be digested. they have zero nutritional value, and important consumer right to know. and let them make an informed choice. adam: i will quote stuart varney. what say you? >> i was thinking of labels. the beverage industry of few years ago, put calory labels, so you wouldn't have to squint to see how many calories are in that. on the back of the can they are in the front of the can. and making these easier to know how many calories they are

consuming. these warning labels on misleading. oneth beverages uniquely responsible for obesity in america. any amount of regulation or taxes are not going to help us to be thin. you can't tax your way to skin or regulate your way to thin. this is about common-sense and far better approach, i know the senator is well-meaning but a better approach would be education. not burdening businesses in california with additional regulation. >> why not require a warning label on every computer screen in california that says get off your lazy but and go exercise? >> we will be the first to acknowledge there's not anyone single sourre for a public health point of view, a toolbox

including, sugar sweet and beverages, caloric information, that is a good start. it doesn't tell a consumer danger of calories and beverages. not all sugars are the same. as i pointed out these products attack the pancreas, convert sugar to fat and most consumers don't know that that 20 ounce fluid ounces of coca-cola or pepsi or sugar sweet and beverage was the equivalent of 16 teaspoons of sugar, twice the daily recommended amount of sugar. adam: got to let you go, american beverage association vice president of public affairs. this is an issue a lot of states will be following. it is a good bet a lot of others will too. russia is saying yes to lacy lingerie. it is granny pants. trade rules trenton to ban

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>> the number of americans with the initial unemployment benefits fell 3,000 last week, 336,000. the labor department says the

number of africans has stabilized in recent weeks, nebraska judge overturning a 2012 law that allows the governor to improve the route of the keystone x el pipeline through the state. this leads to the decision in the hands of the state service commission. it will carry dirty oil that contributes to global warming, supporters are saying it would create thousands of jobs. consumer prices rising slightly in the u.s. limited, says the price index would increase 0.1% in january, a sharp rise in energy costs was offset by cheaper clothing, cars and air fares. that is the latest on the fox business network giving you the power to prosper.

are yostill sleeping? just wanted to check and make sure that were on schedule.

the first technology of its kind... mom and dad, have great news. is now providing answers families nd. siemen answers. adam: russia is launching a lacy panties raid, russia is close to banning the majority of those racy imports, it is bad for the russian consumer wants to buy them and there are protests already over there. it is bad for western companies that want to sell lingerie, companies like a door me which sells more than robs. morgan herman is the ceo and he is here now with some models to show you what the russians will no longer be able to buy, fastest growing lingerie company in the united states, you sell to russia right now we have models here, corinne and emily,

what they're wearing will be illegal going forward in russia. why? >> what is happening with russia is protectionism, that prevents people to sell everything that women want to buy to feel beautiful and empowered so if we were to abide by the law, tomorrow would stop selling this. adam: we have seen protests in russia. not just russia but kazakhstan and other places the protest because what the russians are saying is you could not import articles like these if they have less than 6% cotton. one of the reasons you are growing so fast is you make these garments out of materials which are less expensive and that is what the russians want. almost 90% of what they wear would not be allowed any more. >> the most popular broads and panties they're wearing now are the best for trade popular brands like victoria's secret

and calvin klein and offer this product for better price and in the u.s. it is working very well. in russia we would be able to sell other products, women will like huge parts of what they like to buy and that is where they are. adam: you are expanding into russia but have to concentrate elsewhere. would it hurt your bottom line? >> it would hurt our ambition to go big in russia in the short term which is a very attractive market. that being said, several products would never push but it is a trade-off between a big country where you could only do some of your products or other countries. adam: the greek play where the women go on strike will become the men are waging war. scenes of the russian women and women in what used to be the soviet bloc say to this that you eventually will be able to

export this again to russia. >> hopefully. adam: appreciate you being here. all the best to you. we're coming up fast on the closing bell. liz claman tells us what is up ahead on "countdown to the closing bell". liz: were you cheating on me? aren't they great? morgan is fantastic. theodore me stories fascinating but more fascinating in the next hour is facebook's $19 billiin acquisition of what's app. we tackle two issues. we have a professor from the school of economics specifically who focuses on valuation. we are going to ask him whether this is an appropriate valuation. lot of people are saying no. he may take a different tactic. we have to hear what he has to say. is coming along with joline kent who we put on the case of, what are the next three or four potential acquisition targets

for billion dollars? what's app is being valued more than names like coals, macy's, can you imagine with a market cap like that and it barely makes any money could be a bubble? we will talk about this and more plus it is the last hour of trading. adam: fastest growing lingerie in the united states, he has been a guest, and when people get it done this you have to buy the lingerie like emily and katrina are wearing. coming up on -- what is the show? money. the jobs of the future are in science, technology, engineering and math. our next guest will show us how to prepare kids as young as 4 for future careers in those fields. so ally bank has a raise your rate cd

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>> you can make a lot more potentially with skilled manufacturing than the history degree. nothing wrong with our history. i love our history. adam: president obama apologize for that remark about hard mystery majors. how do we get ready for careers that are available? nothing against art history majors but we need engineers. here is the ceo who's doing that. roberts is the founder of engineering for kids. this is remarkable. you have a franchise system that gets kids ready for what is called stem, science, technology, engineering and mathematics. moms and dads can send your kids after school to one of these franchisess. >> absolutely.

thank you for having me and we offer engineering programs for kids, ageds 4 to 14 and we offer those programs in the forms of after school programs, camps, classes and workshops. adam: engineering for kids is the name of this but people don't remember student loans were limited to these degrees. >> yes, that is right. in a world where we have student loan debt over $1 trillion and nothing against art history or english majors or even broadcast journalism majors but to get a job that is going to pay you enough to pay off a student loan you needed the engineer or mathematician, scientist. >> absolutely. our mission at engineering for kids is to get kids excited about those fields and hopefully inspire them to want to become an engineer and have those jobs of the future. adam: you are a teacher, 90

locations in the united states with 50 or 60 more in 2014. where will people open one of the franchises to get the information? >> they can go to our web site which is engineeringforkids.com. i am a former high school engineering teacher and my own children inspired me to bring this to the younger ages. adam: engineering for kids founder and ceo dory roberts, good to have you on the fox business network. i don't want to stop a discussion about kids because you got to teach them early. most americans don't save enough for retirement. 40% of 401(k) participants have less than $10,000 in their accounts. is it never too late to start building their nest egg? joining us is the senior vice president of riser wealth management group at morgan stanley, also the author of letters from home:a wake-up call for success and wealth. the book tells parents how to teach their kids the lessons they need for a successful financial life. you see this retirement issue

manifesting today and it is too late for a lot of people to learn. >> four things we want to get across for people to follow and maybe we can help people young and people. the first thing is lack of discipline. people don't have a budget, don't want to adhere to a budget and need to control their spending. people allocate a percentage of their net income to retirement and savings and that needs to be worked out. we are hoping it can get up to 30% of net income. adam: a lot of people for a lot -- people see that and think i would never get there. is that why people drop out? >> 30% as short-term savings for trips and vacations and other things, long-term savings for buying a home or another item and retiremeavings on top of that so that is bundled into the 30% that i feel people should be

saving. adam: teaching the lesson that you can't have it now. this is the problem. insttnt gratification. >> i want it now. the problem is investing in short-term. if you don't have a 5-year time horizon you shouldn't be investing in equities but if you have a long-term time horizon there are wonderful things you can be investing in over the long term. adam: you brought up long term and we had discussions about this. i hear analysts say don't worry about dividends and yields but you say no, worry about dividend yields.hort-term volatility and the fear that it has created by the media when we listen to it all the time, every single day has paralyzed the lot of people and you forget there are wonderful firms, american companies that paid dividendss year over year and increased over 25 years. that type of conservative investing unfortunately people have forgotten about. adam: last question is never too late to catch up?

>> not too day. my 18-year-old kid is an example in my book letters from home. you start with $100 you save in a roth ira, and enjoy your 64 you are putting $500 into it, 8% to 10% average return you are a millionaire. get started soon. adam: thank you for being the guest on money. up next, natural gas coming down from multi-year highs. what is behind this year's surge and our prices set to go higher? next week's cold, are we getting cold weather next week? no. ♪

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adam: an hour left in the trading day, the dow is up 114 points, as in the 11 points but all ten sectors of the snb are in positive territory. a good day for investors.

liz claman will walk you through the last hour but now the polar for tax seems to be heeding the natural gas market, the heating fuel, five year highs. joining us is the managing editor and trader for commodity conservation.com. what is happening with natural gas? do we have another drought of cold weather? >> supposed to get another cold blast next week but we have warming temperatures in the 40s, a lot of snow is melting, in the east we are not getting these big storms, it is really a rollercoaster, natural gas, we hit these record highs, twice as high as we were a year ago. natural gas prices were around 322, consumers are getting slammed with big bills this year. adam: i thought we had huge stockpiles? >> all the fracking and production has increased and so has demand. over 50% of people in the u.s. use natural gas to heat their

homes, a considerable amount bigger than a few years ago so we are seeing more demand and pent-up demand even though we see increased production. adam: have we seen the cost of heating oil come down? >> we haven't seen it come down as dramatically as you would think that more businesses and consumers use natural gas so theoretically we should start seeing heating oil prices impacted in the long term. adam: even with another week of cold weather coming our way would it be -- with an investor in natural gas get burned if they were to buy at at these prices? >> i would be cautious. we might get another arctic blast, it might last a couple days that they have reached a prestigous, from a production standpoint and investment standpoint we have more downside possibility from here than outside. adam: good advice for a lot of people who might think i can get rich quick by going to natural gas, thank you for joining us. adam: want to reiterate dow is up 114 points, as in the 11

points and the nasdaq 26 points. it is the good day to be in this market. i hope you are making money today. we have more on natural gas prices when we speak to chief executive j. harvey. don't miss that tomorrow and 2:00 p.m. and how you can get in on the action. "countdown to the closing bell" starts now. >> as facebook investors and venture capitalists and plug over their heads over the price tag facebook just paid for what's app we ask not what is apps but what is next? the three acquisition targets you need to know about and watch. housing market in a deep freeze? just suffering from seasonal chill? may be something worth? an exclusive interview with the ceo of one of the nation's biggest homebuilders, doug bower tells us what he thinks. soft drinks and snacks go