is it the much anticipated black swan event? toyota hit with a billion dollars fine. the tying disclosures, where does that leave general motors? the president wants a quota for hiring people with disabilities. the portrait looks even more grim. and the white house pastry chef is leaving because the first lady does not like butter, cream and sugar. "varney & company" is about to begin. a black swan event is something that comes out of nowhere and has dire consequences. in the very shaky chinese real estate market another developer

is on the rent. comforting reports if the government will do a bailout or not, it would cascade bankruptcies in that market. it is not just about china. is this black swan event around the world, what do you make of black swan? charles: the definition of black swan means they are difficult to predict. i have seen a million predictions of the black swan. it completely lacks you out of left field. it crushes you overnight. stuart: do you think the china thing, the wave of encrypt these, several in fact, the you think is a black swan? charles: it is a great thing for china. stuart: explain yourself. charles: the government should not get in the business of propping up failed businesses. japan did that. pebble beach, rockefeller

center. they want a trillion dollars. they had an implosion, they held up failed businesses, 20 years of going nowhere. watching that, watching us, this is what we do. if hi the senses fail, let them fail. stuart: hours from now janet yellen gives us their first news conference as chair. she will stick to the plan, that is print 10 billion fewer dollars each month. you said this yesterday, if she prints less, you think the market goes up, are you holding with that? charles: they had reduced tapering two times. we were supposed to crash the day they announced tapering. here is what people relate to

the least. quantitative easing the same as other things in the past such as low interest rates? it has gone to the federal government. to be honest with you, we're kind of missed it, it was fannie mae. the federal reserve, how does it go back like this overnight? they were broke. stuart: your point has always been people will not go out today and buy a stock because of what janet yellen does, they think the thing will go off. charles: we went to the garden state mall tomorrow, i don't think we find anyone there. 97% of the people wouldn't know who janet yellen was. the fed does try to manipulate us. keeping money in the bank is worthless. i think that there is a distinct

difference between raising rates. that will be janet gallons point today. stuart: okay. i hear you. both of the big names facing headaches. find a billion dollars to settle a criminal investigation. eric holder said this morning about he hopes this case will serve as a model for other auto cases. a billion-dollar fine. i think this paves the way for general motors. they have the same problem. delay of full disclosure of the problem. let's have a look at general motors stock. charles: september, the market share switches.

that is amazing considering how many people in this country said they would not even buy it. they can keep taking market share. this news will be inconsequential to the stock. stuart: toyota bounced when the problem first surfaced. charles: if they let it linger, that is a different story. stuart: let's go down to the floor of the new york stock exchange. fedex had to issue refunds. nicole: it started to the downside. only a third of the companies have cited the weather as part of their problems.

now, you can see that they are bouncing back despite the fact that they gave a full gear view that is weaker than expected at while. stuart: thank you very much. we are up 11 po well. you can walk up on your house and it reminds you to do things. you walk around and siri organizes you. you may or may not want this. apple stock, 534. been around that level for a long, long time.

sony unveils a prototype virtual reality headset. it is a helmet, everybody. it projects a virtual image right in front of your eyes. tracks your head movement. hopefully, you do not get seasick. you turn around like this and you do not know where you are. are you with us now? >> i am. i was using a prototype of that nature. it was spectacular. stuart: really? no seasick this. >> you can be in a space. you look up using the ceiling, you look down you see the ground . stuart: optimist prime. charles: sony is competing against them.

stuart: let's get one of those on the show. >> if you watch the show, you can have one free. stuart: developments in technology, including google. the critics really like this thing. i think that these smart watches, a lot of people have come out with them. they are a novelty. they are not going anywhere. you have to have your phone in your pocket. stuart: i just think it is

overkill. >> it is overkill. it does not make a whole lot of sense. it will be everything right there. what a great place to put your information, your communication, all the rest. stuart: amazon announcing its own streaming box. even i. >> you better. [laughter] >> streaming video content is absolutely the way it is going. it is something that is disappearing. stuart: okay. you like it. >> i love it. stuart: we have two numbers for you. a new survey says if the minimum

wage is raised to $10.10 an hour, 38% of employers who currently pay employees minimum wage would have to lay off employees to cover the cost. charles, to you first. charles: here is the problem, and a lot of people living off the government, hey, get into the capital system. you will start at the bottom. the problem is you can climb up to hear. that is what it was always about. minimum wage. your mother goes to the supermarket. that is the kind of thing that it is for.

stuart: any comment on this, bill? what does this do if we go to $10.10 an hour? >> i am probably not the correct person to ask. there is nobody getting minimum wage or even close. we are hiring talent. we are hiring people. stuart: you will technology eyes all of them, aren't you? >> many of them, yes. stuart: we want to get bill harris to weigh in on yesterday's tech tourney match up. ibm versus 3 d. 3 d systems, that is. which stock would you buy?

ibm, 3 d systems? >> ibm is a great company, but it is difficult at their scale and with the maturity of their businesses to get good growth. 3d technologies are just, you know, something like wearable technologies, they are not there today, but within a few years, they will be a big force for the company. i have a relationship with tesla. i would have to say this. i think the better company is tesla. they are doing a fabulous job scaling up what is already a terrific machine. in terms of an investment, i may go priceline. potentially, i am realistic.

stuart: i know you are the cofounder of paypal. >> you have 16 players. ebay is not at the coming edge. one thing that i will say in terms of the potential split up with paypal and ebay that karl icahn is advocating, i would advocate the other way. i would keep them together. stuart: the race for california's next governor. can california win when by going for fracking and tax cuts? one of the leading gop candidates will join us next. ♪ it's a growing trend in business:

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stuart: you can't expect a pretty flat market.

we are up just 11. we have a $19 loss at 1339. jobs for the disabled. the government says federal contractors will be required to ask all employees if they have a disability. if they do not have 7% of their workforce disabled, they can face penalties, lose the government contract also. can you imagine being asked, it would be illegal to ask, do you have a disability? charles: i do not know where they get these numbers. what kind of discrimination is this? ten people walk in and the least

qualified is the disabled person. that is the case. these other nine candidates are substantially better. but we cannot give them the job. it is wrong to discriminate against them because you do not want a disabled person in your office. we know that is wrong and it should even be penalized. stuart: another role by fiat. and boy these people. they will go for us. they have terrible policies.

>> thank you for having me. you are wrong. it absolutely is possible. president bush had a 90% approval rating coming out of the gulf war. he said is the economy stupid? the middle class has been destroyed by policies pushed by gerri brown. we are 47th in america and jobs. forty-six in america and education. number one in poverty. we need to put california back to work. stuart: how are you going to do that? can you cut taxes?

>> i think that is step two. we get them going. we put more taxpayers in california. then we lower our tax rate. our taxes are way too high. there are other things that i think we can start with. stuart: you are in favor of fracking. you say that is the first thing you do. that supplies the revenue that allows you to cut taxes elsewhere. that is your order of business. >> that is exactly right. we would be crazy not to do it. we need to bring manufacturing back. there was an ad on my tv screen by rick perry trying to lure jobs to texas.

stuart: you have to go up against the unions. they are your primary opponents here. they vote solidly democrat. you have to go right up against them. >> hispanics are absolutely voting republican, if there is a republican that cares about helping your family have a better life. they care about jobs. they care about education. number two, i have been meeting with cops and firefighters. they are ticked off that their kids are in failing schools. i think that by having a very focused agenda, we can have this. stuart: why are you now getting into california politics? >> when i was in washington, we got republicans and democrats to work together.

i am really proud. we got all of the money back. if we could get washington to work together in that moment of history, i know we can get sacramento to work together to put california back to work. stuart: is there anything else that you would like to ask? >> i am absolutely focused on governor brown. as you said it, bringing latinos back. stuart: neil, that was a jock and you know it. i do not blame you. come and see us again soon,

please. next we reveal our tech matchups for the day. lots of you very angry at me following kennedy's appearance. we will address that and i will clarify my position in a moment. ♪ [ male announcer ] there is no substitute for experience.

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stuart: i do not mind if the government collects a whole bunch of information if we can prevent a terror attack. >> you are getting so far ahead of it is dangerous. stuart: that was part of my heated exchange yesterday. we got a lot of reaction on our facebook and twitter page. derek said just elated you from my tivo recording list. your comments are sad and frightening. david said stuart is so far off base. the surveillance is the infrastructure of a police state and could be used by a tyrant.

jim adds, stuart demonstrates all that is wrong with the mainstream media. he has forgotten what freedom is all about. thank you one and all for all your comments. if this government could stop the attack by tracking communications, i say do it. if they want to go back to track a patent of communications, i say do it. very important. i do understand the dangers of creating a police state in the dangers of nuclear terror. i will take that risk. i want the independent judiciary to release any and all snooping. look at the big board. it is dead flat. five points on a 16,000 take. of course, three hours from now,

janet yellen holds her first press conference as fed chair, that is. charles says if she restricts the amount of money she is printing, the market will go up. we will see. matchups in the varney tech toward me. microsoft. they are our number six seed. today, they are going up against hewlett-packard. hewlett-packard has nearly tripled the number of employees. next matchup. amazon against yelp. as 117,000 employees, that is massive compared to yell.

compare that to yelp, that is a big winner. it is up 32 points. might we see an upset on this one? go to our facebook and twitter pages. coming up next, sanctions on russia. you think these are restrictions are tough. crimea next. ♪ ♪ it is the end of the world as we know it will go it is the and of the world as we know it ♪ ♪ and i feel fine ♪

stuart: there is yet another global warming doomsday prediction. a group of scientists say if we do not act soon, temperatures will continue to rise and spring will come earlier. earlier? i guess that they do not live here in the northeast. spring arrives tomorrow and we have more 20-degree temperatures next week.

charles: you have the same thing from the national academy of science. i am just worried when they start to say what is the answer to the solution. i do not know -- i always say you first. you stop driving. then maybe i will get the hint. it is all about taxation. stuart: strong outlook from first solar. that is a charles payne picked. up it goes. $64 a share. that stock is up 24%. we have to switch gears from ukraine. let's bring in our favorite recovering dominique. the sanctions, which we propose against the russians are kind of a joke. they are being mocked.

why is it that europe cannot in fact impose much more serious sanctions? does it have to do with energy? >> and possibly has to do with energy. i think it has to do with the lack of imagination. it is true when you look at the impact, who you want to punish to do what you want them to do -- those sanctions do not work. however, there is somewhat of a long-term deterrent. for the hawks out there, it may be a way to open the door to further policies in the long run by saying we have tried sanctions. now we will be more aggressive. stuart: europe does not have a military to speak of.

>> i am surprised that they would ask. stuart: okay. jay carney. he says do not buy russian stocks. he says that is a bad investment. that is a way of punishing those people. it did not work. what do you make of jay carney's investment advice? >> if jay carney was such a great advisor, you would have him on your show more regularly instead of having charles. [laughter] >> i just find this to be completely out of place. stuart: what about the future? stuart: it seems that this takeover of crimea has really woken things up.

a new aggressive opponent in the world. the whole global situation is much more complicated these days. >> what should the u.s. do? what can the u.s. do to address this particular problem. foreign policy is not my area of expertise. i think that these are two of the answers that were we need. what is russia? should we be involved? stuart: is there any sanctions that would hurt russia?

>> the uk has something like $40 billion in assets invested in russia. russia would be hurt somewhat. it would be to slow down fueled revenue. i do not hear the u.s. and the europeans proposing such a way of imposing such a cost on russia. stuart: no aggression of any kind. ten wins. dominique, thank you for joining us. we have toyota hit with a billion-dollar fine. how about gm. we have a somewhat similar delay. we will discuss gm in a moment. ♪ [ male announcer ] this is jowoods' first day of work.

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♪ stuart: the latest on the missing malaysian airliner. investigators are trying to restore files that were deleted last month from the pilots home flight stimulator. the search now enters its 12th day. pro- russian forces stormed ukraine navy quarters today.

they raised the russian flag. this comes a day after russia signed a treaty to wilco crimea as part of the treaty. we will be listening too closely for any change in politics. the announcement start that 2:00 p.m. janet yellen news conferences at 2:30 p.m. i will be on the show watchingen it with you. ♪ risks and capture opportunities. we enable you to reach global markets and drive forward with broader possibilities. cme group: how the world advances.

stuart: kb home made a profit this year versus a loss last year. nicole: that is good news. the stock is up 6.8%. a great performance. they charge higher prices on those homes. that was good news. the selling price was about 12%. the west coast beating the southeast region. new home orders. kb homes. stuart: thank you. we call him the turnaround man. we have two good ones for him to tackle today. toyota was going to pay $1.2 billion in fines. now, gm could be facing a similar issue.

it looks like they have been out in front of this so far. what is your assessment? >> most of the time, i deal with small business. you have to take care of your people. you have to take care of business. stuart: they have to turn around the public relations as to how they treat their customers and the people.

>> we have to have some love here. his name is ralph orville or john. stuart: game stop. what will be your prescription for game stop? they are old technology and a very new technology world. >> there is enough people to go around. a critical point.

that is the problem. we have to get the love back. stuart: i am not sure it will do much. >> we have to get back to basics. what they need to get through today, this week, this month, what they need to do with their customers, you have to know what you need today.

>> i do small business. get to the rolodex. all of those people, put cards out there. you start sending people things that they i care about you. they call you. i have turned companies around. i have turned everybody around.

stuart: up next, charles weighs in on my tape from yesterday. we are not saving, but we are taxing and spending. that is the deep picture. it is the opposite of what we think of when we picture america. it is not prosperity, it is despair. ♪

stuart: maybe president obama has so changed america that this time voters will go for redistribution. maybe. that is one of our big themes for this entire week. i give you part of it and my take yesterday. charles here, he is calling america the dropout nation.

charles: i think that there is definitely and economic element to all of this. something else about all of this. the federal reserve did an amazing survey. they wanted to find out what people saved for. saving for education declined dramatically. saving for retirement the clients dramatically. stuart: you invest in a future education. you invest in a house.

charles: it is not just the money. 7 million people dropped out of the workforce. it points to a belief that things will be greater in the future. stuart: that is gone. the american dream has changed. it is not just an economic thing. it is a cultural thing. stuart: that is sharp edge stuff. charles: let's make it upbeat here. the commercials are really

corny. the 70 million line. you can make these calls also. stuart: did you say there are only 70 million land lines? charles: households. that is still a lot of money.

stuart: we will watch it. new at noon. we have a private investigator. white house press secretary jay carney giving investment advice on the situation in russia. that is a big no-no. start of redeye on obamacare and the white house pastry chef. expect more of this. more varney two minutes from now. >> give him marlinde. [laughter] >> name one of them. stuart: michael. >> no. stuart: tito. [laughter] [laughter] ♪

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because in two hours. look what we have for you right now. charles payne on black swans. you might have a word or two about printing less money. the guy who knows artificial intelligence, thinking machines. what exactly can they do right now? the i robot tech cheese is your too. he developed the office observer. watch out anyone financially cheating on a spouse. and investigator tells us how you get caught. funny man jarrett small is here. if he can make us laugh about obamacare, a angry moms and the chef whose love of butter, sugar and cream was too much for the first lady. ♪ stuart: white house press secretary giving investment

advice on russia. listen to this. >> i wouldn't if i were you invest in russian equities right now. unless you are going short. stuart: charles, i think that is inappropriate to try to use influence foreign policy by investment advice from the white house. charles: that was the grass from move there. that was utterly ridiculous. stuart: sanctions don't work, he is going to try to make them work. charles: you sanction 11 people, middle management, vladimir putin's administration, pulls out 11, what happens to the olive garden? you want to declare economic war? come on. stuart: it worked for the market, for our market work to. charles: as vladimir putin was giving an amazing address to his parliament our market skyrocketed. when was the last time we went up 100 points with president

obama's vote. stuart: this is not going to be a war, there won't be a wider war. there won't be much shooting and death and plundering. it won't happen. therefore our market goes up. not right now of course because janet yellen is coming the shortly. two hours from janet yellen. there is another reason involved today. a real-estate firm in china can't pay its bills. possible black swan. that is an event that comes at you from nowhere and upset the whole apple cart worldwide. there's also another black swan, $100 trillion in global government that. i am hearing this expression a lot. blacks won as if it is something bad waiting to happen. charles: paul farrell, new domesday poll, black swan crisis warnings from now through mid april. stuart: isn't that is the most read article on market watch? charles: it could be.

talks about gary shilling, a lot of people he talks about our authors, politicians,'s politicians and people who make a lot of money on market volatility but this is the same paul farrell who said november 16th, 2009, the next meltdown coming in 2012. january 5th, 2010, 12 dr. dooms shred to investing optimism. what about next year? march 7th, 2011, the 2008 crash isn't over, only covered. what about february of 2011? for now the time bomb will blow up on wall street. keep predicting this stuff, sooner or later you will be right. stuart: black swan made coming. the cottage industry i think. know, toyota paying a $1 million fine for a criminal investigation over unintended acceleration. virtually no impact on the

stock, down $0.86. eric holder says he hopes this fine on toyota could be used as a model for other automakers, gm facing a similar issue as toyota and gm stock is below $35 a share, $0.21. first solar, that is a big winner today. why is it up so much? how much of is it? cheryl: is up 14% sitting at $65.41 a share, first selling came out with their numbers, forecast revenue of as much as $4 million for this year and gave out some long-term financial, in pressing wall street, a record for one motive of conservation efficiencies, 17% year over year shows growth. and is up 106% in the last 52 weeks. stuart: got it, thanks very much. some gee whiz tech starting with i robot.

a robot vacuum showing off its latest product. it is a robot that can attend meetings for you. fly around the world for a board meeting you need a computer with a web can you got it. good to see the one on the picture is there. is that the movable things that goes up and down the hallway? joining us is the chief technology officer at i robot. good morning, good to see you with us. i am not sure if this is a breakthrough. it looks like a computer on wheels with the web cam out front. how many of these have you sold? >> we just announced its availability yesterday and we are beginning to take orders right now so we have good prospects for ourselves. stuart: i wish i could see it again. it is moving along the hallway and has this screen out front

which talks to you as a camera on it like what we're looking at now. what are the uses of this machine? >> have you ever wanted to be two places at once? one of the things it enables you to do is exactly that. this morning i spent an hour in traffic to get to the studio to be on the show for two minutes and have to take an hour drive back to my office so what it enables you to do is to go there without having to spend your time on transportation. stuart: that is the video i wanted. it is going up and down a corridor. a woman's case is looking out front. what am i going to use that for? >> you are going to use it for remote collaborations so there are many companies with multiple sites or international sites,

and for customers using it for collaborations they use it for training and oversight. if you want to be on the factory floor make sure the factory is living up to the safety regulations. stuart: a remote observer. charles: i have been a fan of your stock get you transitions when you lost military business but workers hate this thing. they think it is best buy, think it is interested and very expensive. i saw on your forward guidance you didn't and a lot about making money with this. i love the idea but there is some push back, isn't there? >> there is very good reception, we have been doing tests for the last few months with fortune 500 companies, one of them being the mayor. it is a game changer. it allows you to teleport to where you want to go when you want to be there. stuart: thanks for joining us. i am trying to come to grips with this. i am not sure i am very yet.

come back and see us again soon. i want to bring in derek harris, senior writer who knows about artificial intelligence but first i want to ask what about this i robot thing? doesn't seem very advanced to me. >> i am not sold at this point but i can see with some work on the artificial intelligence base. stuart: you are the artificial intelligence guy. you create and design thinking machines. you know what is going on right there. what is going on with thinking machines? how advanced are they right now? >> right now the misconception of artificial intelligence is like the movie her. stuart: i saw it and loved it. >> you think about howh --hal being able to predict what

happens next. the other thing is what i think the robot is trying to get to which is understanding what it is seeing and what you are saying and the text it is seeing and being able to understand the world around it. stuart: so you could imagine some point in the future robot like that that will be your proxy in a remote location and it could see things for un interpret things for you and make decisions for you. >> a robot like that could be looking and saying i know this is stuart varney's child and recognized things on the set and have sensors on it, they have sensors and everything, accelerometers, barometer, temperature gauge. they can make decisions based on whatever its algorithms are set to make decisions based on. stuart: it can make decisions. let me ask about the house that it is possible to create from

apple where they have censors all over the place and you walk through the house and the lady talks at you, reminds you to do things, almost becomes a companion with in your own house. is that real? >> it is not there yet but it is where we are headed. the smart thermostat a few months ago, that is the vision. it understands your habits inside your house. and that has been one of the big advances in artificial intelligence, speech recognition. say a command like google, use search with your voice on a phone. that was an artificial intelligence application. doesn't seem like it but to be able to understand what you are saying and turn that into a search query. stuart: will you ever reach the point where people like charles payne and stuart varney want to talk to a computer on a friendly emotional basis? >> we are nowhere near that

point. stuart: how many years away? >> that is a tough one. some is moving very fast. stuart: i saw the movie hurt and was intrigued and seemed possible in the fairly near future, ten years maybe. >> ten might not be inconceivable but i would go further. stuart: we appreciate it. come and see us when developments in artificial intelligence. curious about stock. tweet as using hash tag ask pain and charles has pandora because you asked about it. that is a household name. charles: couldn't have been better on this. this morning they announced hiking their fees $1. this is a huge deal, $4.99 is a gigantic percentage change. when i evaluate companies the best thing i see is pricing power. they can short more for their products the two schools of thought, when apple was hot they

charge $600 for a cellphone or u.s. post office, keep raising prices even though they have a smaller pool of customers. i am not sure where pandora is on this. immediately after this movie was up a little more. a lot of people came out and said the ct a left-handed is overvalued 155% but i would hang in. i love the margins where they are going, i love where industry will grow. they will outgrow the industry next five years. stuart: thanks. it is called financial infidelity. hiding money from a spouse, secret bank accounts, hidden stashes of cash but it is not as easy to get away with as you might think. a private investigator barry crawl is on the case and joins us next. ♪

[ male announcer ] how did edward jones become one of the biggest financial services companies in the country? hey. yours? not anymore. come on in. [ male announcer ] by meeting you more tn halfway. it's how edward jones makes sense of investing. come on in. [ male announcer ] by meeting you more tn halfway. ♪ see what's new at projectluna.com iwe don't back down. we only know one direction: up so we're up early. up late. thinking up game-changing ideas, like this: dozens of tax free zones across new york state. move here. expand here.

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how much money do you think you'll need when you retire? then we gave each person a ribbon to show how many years that amount might last. i was trying to, like, pull it a little further. [ woman ] got me to 70 years old. i'm going have to rethink this thing. it's hard to imagin how much we'll need for a retirement that could last 3years or mor so maybe we need to approach things dferently, if we want to be ready for a longer retirement. ♪ stuart: let's get to the technology picks, the varney cac 40 matchup, charles makes his picks.

the matchup is microsoft against hewlett-packard going head to head. the best of those stocks to buy and hold long term and it better be the right answer. i own microsoft and you know it. charles: i like microsoft a bit more. stuart: move on. you are right. you go with microsoft over a hewlett-packard. don't change your mind. david versus goliath situation. amazon facing up against yelp. that is no contest. it has got to be amazon. charles: i will go with yelp. i think a year from now that stock is higher. amazon has been given the benefit of the doubt for a long time. wall street is going to punish them a little bit if they don't bring the big time revenues to the bottom line. they got nobody for a long time. we love jeff bezos but yelp is amazing and if 90% of the people use it knew it was public the stock would be $1,000 right now. stuart: when your pick is yelp, microsoft and yelp. charles: a year from now would

make a bigger move. stuart: 9 coming after you. one from florida and one from maryland, waking up law remembers this morning splitting $400 million in the mega millions jackpot getting 112 million each but the. if they choose the cash option they walk away with $74 million because of taxes. it is still always the most, the best way of taxing poor people. charles: it is but i have to say the people i see in the gas station getting those strings and scratching them off, i feel bad for them but if you want to take a shot periodically at $400 million go for it. here is my rule with the lottery. you got to go for $100 million or more. you never want $5 million or $10 million. your relatives and friends, not someone wins 5 grand walkout and curse, he is a bomb, should have given me 20. you can't win. it will wreck your life.

not winning lottery but lending people money, yes. stuart: did you learn your lesson to charles: you try to share it. stuart: this is called financial infidelity when husbands and wise hide money and assets from each other. maybe they are spending it:-- holding secret accounts. there are ways to do it but there are also ways to expose it. welcome to the program private investigator barry who knows about the explosion business. it seems to me if you are trying to cheat on your wife or your spouse with money, trying to hide it, stash it away some place in secret you leave a trail. there is always the trail, isn't there? >> there's always a trail but that doesn't stop people from doing it. stuart: when you usually get brought in in divorce situations. >> this usually comes to fruition with a rocky

relationship leading to a divorce. that is when it comes out. stuart: when you can't get into somebody's bank account where the husband or wife has been moving in here or there. you can't get in. >> we can't get in but we have methods, means of locating a trying to discern where these individuals are banking and from their attorneys can send out subpoenas to retrieve those records. stuart: there has to be probable cause. the judge won't just give -- >> absolutely. >> i want to give them enough evidence to say we have done surveillance on this guy. he is meeting with a banker here or there. why are you meeting with a bang. you don't have any money? if you don't say you have money. stuart: when you will be dealing in high profile cases with millions of dollars at stake. >> usually big money guys, entrepreneur is with good businesses and it is easy to hide stuff in shell accounts. stuart: a big money person, they foolishly put something on

facebook did they make that kind of mistake? >> not the person themselves the we investigated individuals that have forget about just the big trail of money but also infidelity where they started other families and members of those families leave a trail on facebook? stuart: we are talking financial infidelity here. you have that look on your face that makes me think you want to get into it. stuart: charles: don't bring me into it. stuart: okay. what about overseas bank accounts. how do you prove someone has a swiss bank account? >> you can't necessarily do that but you would be surprised. stuart: how about bitcoin? >> there isn't and all these new products that help keep your anonymity online so you can do these transactions and visit websites hiding in a deep well. stuart: you cannot penetrate. how about gold? i could do exchange of gold coins with somebody and hide it

that way. >> you can. there's always a way to get something over on somebody and we just want to bring to light some evidence that will make the judge say something isn't right. stuart: the most popular person in the world. thanks for joining us. good to know that you are out there. keeping it honest. federal contractors will soon have to pass to ask employees if there suffer from a disability. they got to ask. my take on that next.

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stuart: two story is coming up, torquing the videos, amusing pictures of cats ending tremont all being used by the president to pitch health-insurance. the white house pastry chef resigning because michele obama doesn't like butter or sugar. that and more. considers this. you apply for job, the employer asks you why you disabled?

depressed, drinking problems, diabetes, and the government will demand that the company hires you. this is obama's america. here is my take on the new disability hiring rules, they apply to government contractors, 40,000 businesses nationwide. a quarter of the working population affected. labor department wants to cut the high unemployment rate among disabled people so 7% of contractors', employees must be disabled. if not penalties are imposed. even loss of a government contract is possible. 7% sounds a lot like a forced quota, doesn't it? the americans with disabilities act specifically says employers cannot ask about disabilities. can you imagine lawsuits when employers to ask? employers are damned if they ask and penalized if they don't. what about privacy? does anyone with a drinking problem want to go public.

here's another privacy angle. what about the disabled worker who doesn't want to be considered disabled? he or she is proud of their ability to cope and is not looking for sympathy or a quota. isn't this typical of this president's approach to business? be it up, demonize it, and apply all businesses are out to discriminate so they must be forced to submit to the rules? doesn't matter about the endless paperwork, constant litigation, mindless bureaucracy. just shows the voters that business is bad. we are on the side of the victims. it really is another election tactic. the president can lead his party to the polls saying how he made america more fair, he gave everybody a fair shot. he has really made almost everyone a victim or at least made whole groups of people feel like victims. in a few years we have gone from individual freedom and personal effort to mass victimhood.

he really has changed america, hasn't he? it's a growing trend in business: do more with less with ss energy.hp is help. soon, the world's most intelligent servers, designed by hp, will give ups over twice the performance, using forty percent less energy. multiply that across over a thousand locations, and they'll provide the same benefit to the environment as over 60,000 trees. that's a trend we can all get behind.

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[ male announcer ] how could switchgrass in argentina, change engineering in dubai, aluminum production in south africa, and the aerospace industry in the u.s.? at t. rowe price, we understand the connections of a complex, global economy. it's just one reason over 75% of our mutual funds beat their 10-year lipper average. t. rowe price. invest with confidence. request a prospectus or summary prospectus with investment information, risks, fees and expenses to read and consider carefully before investing. stuart: another example of the mainstream media ignoring the troubles of obamacare. night slot on abc doesn't seem to think the troubles of obamacare is a big deal. they haven't covered it for 123

days. that is extraordinary. and even bigger deal than that, liz macdonald figured it out. kathleen sebelius of years on nightline. liz: she told lawmakers last week. stuart: premiums, what you pay monthly for health insurance won't go up that much. now all you have found an article in the hill. liz: broken last hour. the hill, which is the d.c. publication, is quoting insurance executives saying wait a second. we are seeing health premiums going to possibly double, even triple in certain parts of the country. stuart: double or triple the premiums. that is the monthly payment paid by ordinary people, double or triple in various parts of the country and there is proof positive that the market believes it. liz: etna, well point and humana hitting record highs bouncing off of the news that the hill

broke moments ago and basically what insurance executives are quick to emphasize is they are saying the young are not showing up, the young are needed to be enrolled in health reform in order to flow health reform, they are not showing up and that is why premiums are already happening. stuart: that is what we thought would happen. the young healthy people don't show up or pay in. the amount of money that comes out for older, more sick people goes up. the insurers are in the worst position. and they have got to raise the premiums. can you put up the screen again with the health insurance? that is very important. that is the market confirming it believes -- 4%. liz: there is more. a four months cigna executive is telling the hills that the white house is going to have to dial back on the claim that health

reform will cut the cost of health insurance premiums by $2,500. he is saying wait a second, they have to backpedal on that. stuart: health insurance executives are saying premiums are going to double or triple in parts of the country. fewer young people are signing up. that is aspect 1. the market believes it so help insurance stocks are going straight up. if you raise the premiums more money flows into the health insurance so the other side of the coin is the politics of it. this is another huge negative for president obama and obamacare. liz: to your original point when are the other press going to cover the fallout of health reform? how is it is hitting people in the wallet. stuart: going into the election paying double or triple the premium. liz: where are these premium increases happening and are they happening in the races where potentially democrats are

vulnerable? stuart: great stuff, thank you very much indeed. we should use this video of a young girl to working on a bathroom sink before falling. the video u.n. -- to encourage young people to sign up for obamacare. a red eye contributor, anchor red-eye on occasion. >> the red-eye host but one day. stuart: do you think that was funny? >> the girl falling? yes but i won't get health care because of it. stuart: funny, yes but that is a good way of reaching young people. >> you want to take jimmy kimmel's approach because it looked like a jimmy kimmel viral video he put out to get viral viewers. stuart: it reaches the right people and the right people are laughing you are doing the right thing. >> if they are signing of you're doing right thing. no one will sign up. that girl who fell off this and should sign up for health care.

she will needed. stuart: the administration is using, this is an image of a catch, , to, to sell obamacare. . cat pictures are popular. they're using this one to get out and signcat, to sell obamac. . cat pictures are popular. they're using this one to get out and sign up for obamacare. do you find that many? can you make it family? >> it is funny if you are using felines to live longer. that is funny. liz: that is a pretty fat cat. stuart: i don't think this one is funny. crazy. this is the a green mom at. get out there, i and your mom. i am as the devil. get out there and sign up. >> she doesn't look like my mother. if she looked more like my mother but she doesn't.

looks like the mother of of the street. liz: you are on her insurance. stuart: when using obamacare is funny generally speaking? i you a supporter? >> i am not blindly supportive. he has done some good things and bad things. health care, we need to give time to catch on. will be a generation. >> premiums are catching on we just reported. stuart: what you got to pay is going to go up a lot. >> you know why blame for that? vladimir putin. ukraine has something to do with it. no longer george w.'s fault. stuart: make me laugh about this. white house pastry chef resigned because michele obama pushing her healthy diet on him saying he doesn't want to demonize egg, cream and milk. >> all i heard is the white

house is hiring because somebody got fired. can i sign up? what do they pay? i got all the bright any. stuart: what is a pastry chef supposed to do if he can use butter, cream, eggs and sugar? >> watch dell's kitchen. you can make a thousand things. it is a competition, a food show with gordon ramsey, comedians making a whole meal. liz: can you cook? >> i am a great cloak and i can eat too. stuart: what do you cook? >> more than my girls could. my girl only cooks breakfast. they cooked eggs. i can't eat eggs at night. liz: i can't cook. i use my smoke alarm as a timer. stuart: you don't think gordon ramsey is funny. he is foulmouthed. a foulmouthed englishmen who comes over and uses horrible language. >> my grandfather. he is great.

he is really funny. stuart: are we done? >> you know you are going to miss me. use paper towels. stuart: invite me on red-eye. definitely. $1 billion worth of trouble for toyota, the automaker hit with a huge fine for not disclosing safety problems in a timely fashion. we have the next round of our varney cac 40 next in the real halftime report. ♪ those litt things still get you.

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stuart: apple got a system of sensors for your home, the patents revolves around an attempt to make a smart home, walk around, and the voice gives you advice. that is apple. any impact? probably not. it is hold around 530 per share. the next set for gamers, sony on their prototype virtual reality head set, play station, basically a helmet that project

a virtual image from your eyes and tracks the movements of your head. it is supposed to be really cool. stock is rigidly unchanged. google announce the android where, a version of its operating system tailored for smart watches and other wearable devices. critics seem to like that like an ordinary watch. shares of google and $1,205 each. next the real halftime report. announcer: where can an investor

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stuart: the real halftime report. joining us from chicago marks kennedy, nicole petallides at the exchange, liz macdonald right here. two hours from now janet yellen held her first news conference as fed chair. scott, if she lowers the amount of money she prince does the market go up? >> yes in a perverse way because what she is going to say is with that $10 billion it will be more of the same. keep traders comfortable and comfortable means we rally. if there's anything in there to make an uncomfortable we have a problem. stuart: sean delany, she grins less money does the market go up? >> the market is stuck, don't know if it has a lot higher to go. don't think they will do anything but continue to taper but i don't think the market will read anything but the status quo. they're looking for forward guidance and it doesn't get any different. stuart: liz, what do you say? liz: if the market continues to go up despite the taper and will

be a zero bond purchase from the fed by autumn so what is the next event? will the bond market fallout on interest rate hikes? that is the fed's next step, 0.75 by the end of next year. stuart: if janet yellen prints less money does the market go up? nicole: ultimately i am not sure about that because really they don't like uncertainty, then you start to wonder why would she print less money? what everyone is expecting is the fed stays on track with the $10 billion reduction every month and to liz's point it is all about the future of interest rates and the hikes and the language that goes along with it. stuart: toyota paying more than $1 billion for the unintended acceleration problem. this sets up the general motors to pay a big fine with that airbag ignition problem. >> at worst it puts a bar on a marker. now we know what happened with

toyota and see what happens if it works or is not as bad or not judge what it will be. we have a marker and we will see how bad the problem is whether it will be higher or lower depending on what the toyota problem was. stuart: what do you say? >> it tease of general motors. there are consistently going to be investigations. there are four being undertaken, two by congressional committees and one by the national transportation safety administration and another by the manhattan district attorney which is a criminal probe. this piece of general motors and they will be in big trouble. gm in big trouble. nicole: what a mess this is. the problem is toyota obviously paying down $1.2 billion and all eyes turn to gm and the question is how much is gm going to pay? that is the wild card and that makes it difficult. stuart: when will they pay? your thoughts on gm. liz: steady drumbeat of more

disclosures about coming out of what happened at gm and gm sat on the information and didn't tell the government or consumers. that is a big deal. will we are talking about with gm, lawsuit over hang. stuart: never forget that. let's get to our varney tech tournament. microsoft on number 6 converses hewlett-packard. talk about big names, microsoft wes and $300 billion, h p worth $60 billion, a hewlett-packard trickle the number of employees. look at stocks this year, hewlett-packard beating microsoft so far. which one do you pick? >> this is a complete smacked down. i will take microsoft any day over hewlett-packard. stuart: you are welcome to come back on the show. i own microsoft. >> i will go with microsoft. hewlett-packard earnings going lower.

i also think microsoft and the new product there is some thought that apple has seen better days so i will go of microsoft and takeovers that mandel. stuart: i love you in that jacket. thank you very much. the next matchup is amazon against yeltsin. that is a mismatch. amazon is $174 billion company, 117,000 employees. massive compared to yelp. what is your pick? >> i think you for this. another layer up, putting those two together, professional team of shaquille o'neals against a team of landos and you have giants, will change where we do everything and the way we are shopping and it will come and go, some periphery businesses to attack what this does and will fall out for yelped and i don't think it is the bright long-term future for yelp. stuart: your pig? >> amazon, i like jeff bees'

those -- jeff bezos. he likes meetings small enough to feed the meeting. i like that idea of the most. stuart: we want everybody to vote on the stock they think is best for the long term. and we are bringing up the term black swan. we have global debt at $1 trillion, black swan events. liz: it is about the government debt picture and governments around the picture and the bond market reacts. the bond market fell lot of that in the 90s when rates go up. is all about how does the fed manage interest-rate hikes that coming down a road that have a bond market. get this, alan greenspan is -- mr quarter point. you expect quarter point

increases but the bond market overreacted saying wait a second especially if you see inflation picking up too. stuart: that is the end of the real halftime report. thank you for joining us. think the government can cut entitlements? think again. food stamps, john boehner calls it brought. we will explain it next. in the new new york,

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stuart: some state governments use heating oil assistance by the poor as a way to revamp the food stamp money they get from the federal government in d.c.. get more free fuel, get more food stamp money. massachusetts just raised the amount of heat it gives to low-income families so they could get more food stamp money from d.c.. massachusetts, the seventh state to do it. john boehner doesn't like it, he calls -- basically gaming the system. liz: john boehner is saying the states are rebelling against cuts in food stamps and this is how they are rebuilding and the question is when can you do any

cuts. both sides of the political aisle want to help the poor. is also about stopping fraud and also curtailing the rampant abuse of the system. stuart: look at new york state. a handout and extra $6 million worth of heating assistance to poor people and then get an extra $500 million in extra food stamp money from d.c.. that is gaming the system. there is a rule that says if you offer $1 of home heating assistance to the port, entitled to the full monday, $1,800 of food stamps a year. that is how you leverage it up. you get around all the cuts which d.c. planned to impose the cuts don't appear. how do you do it? liz: that is what is at issue. again and again, everybody wants

to help the poor. stuart: with this kind of stuff -- liz: if there wasn't a problem why do we have fraud cops on the beat to catch the fraud in the system? stuart: disability of hiring rules for contractors.

stuart: we were going to bring you your take. >> it seems like they are really catching on right now. we just reported. stuart: we were going to bring you your take. i want to switch gears for a second. a very important story broke this morning. insurance premiums, that you and i have to pay, could double and even triple in some parts of the country because of obamacare. liz: obamacare related premiums will double in parts of the country. that is coming from the

publication. stuart: the market believes that? healthcare stocks are going straight up. two, three, 4%. liz: hitting all-time highs. the rates that are being paid out for insurance premiums. we have to pay. insurance officials are really emphasizing that there could be consequences of all the delays and changes of the rollout of health reform also. you have seen the market react. cheryl, adam, it is yours.

cheryl: were you even surprised that they were going to double next year? stuart: doubling and maybe tripling, that is a shock. cheryl: stuart, thank you very much. adam: it will shift. cheryl: it is all about the fed during this hour. the warning styles from fedex. a winter much worse than feared. general motors begins. toyota finds more than a billion dollars. attorney general eric holder saying he hopes this case will serve as a model for other cases. adam: the race for your wrist. time running out for apple.