have a great night. neil cavuto is not. ♪ ♪ neil: i am going to get personal with you. do you own a home? chances are for one in five of you, you are underwater on that home. that means that one in five of you owe more than what it is presently worth in that and that is not a good position to be in. on top of the 10 million americans were upside down on their homes, millions more donate another 20% extra cushion they need to try to sell that home with a closing costs and

the down payment for future homes. if you don't have that, you're not in any rush to get out of your home or to try to buy another home because you simply can't. that means millions upon millions of americans would like to be part of the housing recovery who simply cannot. welcome, everyone, i am neil cavuto. we have our fox business all-stars here tonight. thank you all for being here. how big a deal is this? it used to be close to 35% at the height of this meltdown. so we have slides that almost in half. >> it is extraordinary how much there is out there as far as people under underwater. we are right on the precipice of yet another housing crisis area the terms of affordability, we are going to watch politicians offering programs lowering

credit standards. if they go tre, we are in trouble and we are going to see ourselves in the economy be impacted. neil: so it will put us in a deeper fix. but the argument for extending that repayment plan, if you don't want all these guys suddenly in the market en masse, but a lot of them are making payments. they have jobs and that's not the issue. but it's just that their homes remain underwater. >> is no government fix for that. and that's a problem. when we start looking at what we can do to fix the problem and the federal government hasn't done anything, look at all the different places where government tries to fix the problem. it's only exacerbated the problem and that is where we are headed right now. >> my biggest concern is when you look at these numbers and you divide the homeowners. the upper track him of in the middle tier, the lower tier, the entry-level shopper.

and that is a group that is right now facing being underwater. >> there's nothing out there for them, the new kid out of college buying a home. and you have these adult kids moving back home so you don't have the people out there looking at these homes either. so it's a supply issue, it's a demand issue. not to mention a home equity issue as well. people are doing projects because to your point they don't have the 20% it alone on that. so not just the buying process, but because of it. >> so even if you don't have that map to deal with, a lot of people are leery of the whole real estate thing anyway and they don't want to revisit that. >> they just don't have the cash to do it. it's harder to get a mortgage.

people are getting jobs later, we are living with her parents, it's really scary. and if you hear about a second housing collapse, why would you the market reed. neil: just to get that done. >> there are those that are reluctant and cannot sell their homes. they make the housing market looked unnaturally better because it's kind of like when the government told the banks that you can't sell bank stocks. the other point is the people that are underwater and under duress or just making it, if the housing prices come down a little bit, they are not going to weather another storm. they will have to dump and get out and that will cause a sharper correction. so the point is that it could be a very sharp on if rates increase.

>> as history has shown, the government does jump in and help out with some sort of handout at the worst time. you wonder if that is promoting apathy with mortgage pairs as well. neil: if the interim could be waited out and if we could wait for a 35% or 40% underwater number, what do you think? >> that's the problem. if we stimulate things, we will take this problem off the cliff. so there is a lot going on. there is a lot of supply that we need to work through. we've had double-digit appreciation. we are just now coming in to digit appreciation. >> they are the ones that have appreciated the most. las vegas, california, so you're going to have this dual housing comeback. >> exactly. but it'll can't afford to get

mortgages, those hotspots, what kind of recovery are we going to have? >> we are watching housing sales starting to go down and that will cause the industry and government programs to start stimulating. neil: there are plenty of people that put cash down. >> unfortunately i think we need them to somehow get jobs and get out of student debt and get into the housing market. [talking over each other] neil: love giving that to happen. you know, you have a student trying to pay their debt and they can't just get into the market. >> dave, you say it takes time? >> just come obviously there are some intelligent things we can do, but it's the programs that

we have done that have been problematic in that territory. >> okay, let's see what happens. it's good to see you. all right, when we come back, i'm not so sure that's true that silicon valley has a change in position. something near and very dear to them. has the technology god just with him down? him down? we will have that

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>> i will take a backseat to no one in my commitment of network neutrality. because once providers start to privilege some applications or websites over others, then the smaller voices get squeezed out and we all lose. neil: than senator obama was pushing for an open internet. his quiet on it now is the fcc is considering a proposal that would allow some broadband providers to charge companies like entrance like netflix ra fs because they are hawks with this stuff very at well, that takes the net neutrality thing away.

leading the charge, this woman says the president is alienating a huge part of his face. is this that big of an issue or just recognizing that, hey, you guys feel that this is going to hurt down the road when it is just sort of a tiered pricing plan, is in a? >> this is a really big issue. this was the cornerstone of obama's technology policy. this is what rallied silicon valley in favor of him against hillary clinton. and when you talk to people who want to build new companies and startup the entrepreneurs, they are freaked out. one hundred investors last week c-1.

neil: netflix is one of those who is broadband hawking movies and streaming to be taken up. so i'm wondering, is this a real divide? is the industry open to charging certain players more if this is done as a premium service on the part of a contest or what have you? >> yeah, let me correct a misperception. netflix was forced to pay and their ceo put out a blog post saying that he felt this was distorted. and he was forced to pay, that is the real problem. none of the companies wanted to be forced to pay. and the big companies can be forced to pay. once they start paying comcast, they have to start paying deutsche telekom and others, and they will never be able to start

their business at a disadvantage. they are driving the fight. >> be careful what you wish for a. >> yes, but i do think that this is another nail in the coffin. there is a litany of promises that the president has made that he's fallen back on. >> they are talking to the former horizon ceo, he's going to charging for extra wifi usage and i think this is where we are coming. i think the bigger issue is that the president said he would never allow it and now, here he is on the other side. neil: i also said i would never lose 20 pounds. [applause]

>> i think that this can stigall entrepreneurship. >> i do think that what is happening. the public is going to be outraged. there's no way silken belly will stand by obama if he doesn't reverse this. neil: a number of republicans, they, too, have friends in the industry. those that know that they can make a lot of money off of this and not those that provide the contents, the house it through those pipes. >> yeah, you have to understand there's a lot going on on the

backend. do they get paid on the backend or do we pay as consumers enact first of all, with a bomb is a .8.com whaler, head of the sec, i think at the end of the day i just can't see all of these backend of this. i think utility makes a lot of sense and that's the way it's going to end up. >> will you go all the way through republicans on this issue? would you do that? >> the republicans have also not been great. but if they come out in favor of net neutrality, i think the entire community would rally around them. >> how many tax credits were granted? >> we found during the fight that the republicans are

darlings in silicon valley. this seems to be part of the issue here. >> anything that comcast likes, we tend to hate only because among the many properties is some ridiculous channel called msnbc and cnbc. [laughter] >> that is a separate show. >> you should know that bryson can have an exclusive website. verizon have a separate website. >> thank you very much. we will see how this works out. meanwhile, doctor ben carson, or is it president ben carson. have you been following the move to get this right to run for the highest office in the land? what started off as a slap in

the room with the president now has a lot of folks thinking that could be president. we will have that coming up

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neil: do you remember yesterday we had all of these ads that were brought in a study? saying that the reason that obamacare is failing is because of all the negative ads that republicans have been airing. there have also been a lot of government obamacare adds on how you work with it. whatever. the president was talking about this fixation with obamacare at a big shindig last night. saying that it becomes the endless living. it's not serious, it's not speaking to the real concerns

that people have. doctor ben carson is being pushed run for president stricklin because of the health doctor ben carson is being pushed run for president stricklin because of the health care law in his early warnings about it. >> this thing is totally out of control. the costs are not accounted for and we are going over the cliff fiscally. neil: what you think? the republicans are fixated on tearing this thing apart and we have a disproportionate number of negative ads? >> that does not surprise me. that's the mo. anyone who opposes that have bad motives and they are bad people. because the president has everyone's interest in mind and that plays very well to people who don't think for themselves. but what we really need to be

doing is taking all of this stuff out of the political realm. health care shouldn't be a political issue, quite frankly, as i told one of his senior administrators. and they said as washington and this is politics. neil: was this after or before the bill was passed? >> before the bill is passed. and i didn't have a chance to get to everything at that point. but i certainly set it to various people. neil: a lot have said that the incident has become famous and that you sabotaged him. what do you make of that? air mattia never going to talk to you? >> many of them are starting to come around and recognized what the problem is. more and more well. it takes some people a longer time to see what is going on than others. neil: to your credit, without

casting political spurs, the way this is starting up it's not dead. the way that we are launching this is not evenly doable. and that wasn't a right or left view but it's just a warning. this train is leaving the station and it's not on the tracks. >> not only that, but the thing that really gets lost is the fact that the most important thing you have is health and to take that and place it in the hands of bureaucrats, we have already seen what has happened with the va and the layers of bureaucracy and how typical it is to get something simple done. it's difficult. this is going to be much worse. neil: do you think people will die as a result? >> without western. two is a choosing sides? >> yes. and everyone would see that after a while. my hope is that more rational minds will come to bear on this.

>> that you were banking on maybe the shifting of the senate and the house this november, but a lot of people are saying, why don't you run to complete the trifecta? >> we will see what happens. that means we will see what happens after the november election assuming that we see a change in the direction. >> the people that are due to run have said that you know matters in ivy sleep better than any of these counterparts to. and you know some of the things you have to do to fix it. and you have instant credibility with both sides. the left has been sparing you, but maybe that is because your name has been used more often as a possible presidential candidate. what would turn you away or make you think that i don't need

this. >> if someone else came along who really inspired people and got them excited. neil: do you have any names? >> i think anyone has the potential. neil: i have the potential but it's not happening. [laughter] what about chris christie? >> something could happen, he could become inspiring. neil: ted cruz? >> if you like people with courage and backbone, he's very inspiring. >> rand paul? >> he has a tendency to think reasonably logically and has some potential. they all have potential. >> where we could see a dozen or more candidates, you are that different fresh individual. would you be open to that? a lot of people are saying, hey, you oss.

>> there are people that are rather insistent that i run. they are not any more anxious for me than i am. but the fact of the matter is that it's about more than me and it's about more than my family. we are talking about the future of the country. if we're talking about the future of america, we are also talking about the future of the world. the pinnacle position will be taken by someone else, the likelihood is that they will not be nearly as nine as we are. and the world will once again become the way it was before. >> if we ever have a carson administration with you as president, would america be that we reassert our dominance or that we would kind of -- we're just citizens of the world. not so much leaders in-your-face, that we are

citizens of the world. >> i totally disagree with that. i think we are an exception in an exceptional nation. we are the reason that the world is free today. old war two, all the nations falling like dominoes. we were the ones who stopped that. >> a lot of americans are tired of that saying that we are not going to bother with that. >> if you don't bother with it, you'll end up being a slave to someone else. and people have to study the history. not only of the united states but of the world and we need to start playing it. in 2009 when there was an iranian uprising, we should have been there involved in that could've changed the landscape today. when the russians invaded georgia, we should have said that this is a problem and we need to start taking steps now to make sure that what is

happening in the ukraine doesn't happen. >> that first started with president bush. >> it doesn't matter who it started with, vote we have to be saying what is the next step in what can we do now to stop it. one of the things we can do is wage the right kind of economic war. that's how reagan won the cold war. and we can't do that when we have silly policies. neil: speaking of, the view, sean hannity, with if you were going to announce funding for president? cars are driven by people. they're why we innovate. they're who we protect. they're why we make life less complicated. it's about people.

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communities in the chicago area for not being prepared for climate change and trying to get the insurance company with the bill, which was ensuing disasters saying that the insurance company doesn't have a case. so how can it have a case? because it seems to me that the insurance company is balking on making good on a policy, and now it is changing the owns of the policy. >> they ensure these circumstances, and was this a foreseen circumstance? also, we have municipality, but even that immunity comes from an exception. one of the exceptions is did you perform studies and did you choose to ignore the results of those studies, and that is indicated in the lawsuit. farmers insurance is saying that chicago did have that is performed in the sewers were overflowing for years.

>> it's not climate change, it's the damage that resulted from the climate change and what they are saying is they should've never mention climate change. neil: believe me, a battle of city politicians at an insurance company, it's like, do you rescue? but having said that, what do you think? >> i don't care if you believe believe in climate change or don't believe in climate change, at the end of the day insurance companies are here to ensure against risks and that's why people buy insurance, that is why insurance companies charge premiums and in this lawsuit farmers is essentially saying that we are not here to evaluate risk, it is the city's responsibility and you guys need to take care of that and they

are trying to shut this. >> i think that that is a little unfair in a way. because you higher -- >> they're saying that we are paying out our claimants. but the municipalities passing the buck to insurance carriers. >> what you're saying is that is by an unforeseen disaster? >> they protect for the unforeseen, they haven't been asked to ensure for every first name circumstance. >> okay, i understand that, but to me round like they are saying we are not covering you they are

saying i didn't know that i had this pre-existing condition before, but how do you explain your way out of it. >> welcome you can't have it both ways. so the insurance company is saying that we pay these claims and we want to get our money back because this was an unforeseen circumstance. should've known about it. in the lawsuit, they admit that the farmers insurance company -- they admitted they were privy to the same studies and so it seems kind of ridiculous to me come i think they're trying to shift the urn into the taxpayers. and what a slippery slope this creates. and they are going to say anytime any time that we pay out on a medical claim, let's say someone comes in because they were dehydrated. >> we're talking about the exception and the immunity. >> i think it sets up a slippery slope. >> government is trying to do the right thing with having spend the money and they should have improved infrastructure.

so they're saying ante up, we paid out the claims. >> in a battle of evil entities come i don't know which way to go on this one. ladies, thank you both. in the meantime, do you know why vladimir putin is never going to do you a bully? because egypt gets richer and richer every time. >> the market is back, his >> the market is back, his fortune in his back and the rest if you've got copd like me... ...hey breathing's hard. >> the market is back, his fortune in his back and the rest know the feeling? copd includes emphysema and chronic bronchitis. spiriva is a once-daily inhaled copd maintenance treatment that helps open my obstructed airways for a full 24 hours. spiriva helps me breathe easier. spiriva handihaler tiotropium bromide inhalation powder does not replace fast-acting inhalers for sudden symptoms. tell your doctor if you have kidney problems, glaucoma, trouble urinating, or an enlarged prostate. these may worsen with spiriva.

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neil: you know, you hear all of these political hacks talking. not on this network on fox news, but they all have the same kind of views on vladimir putin. i told you early on, focus on his money. if he's losing it, he's worried, if he's making it on the he's not worried. i want to bring this up with a guy i deeply admire, captain chuck nash. this is why i don't think he's

worried. the russian market has resounded so we have wiped all that concern now. he has just discovered that he's sitting on trillions of dollars worth of potential oil and gas discoveries more than even he calculated, which has me thinking that he's going to keep pursuing breakaway republics and have a financial interest because he knows whatever money that he makes off of them is going to dwarf whatever sanctions will cost him so what do you say? >> he is now and has been since this has started and he has a bunch of customers who have little choice other than to buy from him to the point that we are subsidizing the ukrainian so that they can pay the higher cost to none other than vladimir putin's russia. >> so there was talk that he was taking troops off the ukrainian border and that was just conjecture and i think that he's

goingto take this further. so the longer he stays there, he saying that the market is just fine and his aligarh buddies are fun, but there's nothing, nothing to dissuade him from doing what he's doing. >> i think that that is not only what the market has decided, but i think that that is what the political entities in the west have decided. the fact is that because of years of demonstrating weakness he has found his moment of activity and he has seized it and has been effective at leveraging his strength against our weaknesses. >> bringing kay rogers and tracy byrnes into this. helen why is the russian market rebound and? you would think that with always a global scare, they would at least reselling off. they were, but they are not now. >> i think first of all that there are a couple of different

levels. i don't think the u.s. did enough in terms of sanctions to influencers. the second part, and i talk to friends of mine that are more specialists on this one path he, we didn't see them talking about the hedge fund or the big risks in terms of investments. there's money in flowing into telecom and energy companies because they are still producing and they are still going to have capitalism. and so that is why money has recovered. a lot of them said don't go too far with this stuff, there's a lot of high-tech companies and am looking at that and saying that they had a vested interest in not having a backbone. >> yes, and as a result whether putin is trying to rule the world.

>> they are saying this but we have to remember that there are elections coming up in every time they said this, we are not buying it. >> if you think about the european union and elections, candidates that are sympathetic to him, they are doing pretty well. but it is ironic that in europe itself he is a rock star. >> yes, and of course the chinese and the indians are backing them because they have territorial claims that they are looking to exercise in the future. they don't want to be on the wrong side of history and our way of monitoring things goes back to the cold war days meaning satellites and systems and things like that and we are extremely good at measuring aircraft were troops in the

field and we are not that good at defining intent. so he has the capability to do whatever he wants to do. the question is does he intend to do it? and that is providing a little bit of max, he's getting his way in the eastern side of the ukraine ukraine because of the politics on the ground there. >> when we come back, all of you folks who said you could buy a home in detroit for less than a thousand dollars, less than what you think. we are upping it and we will bet you $100 million that i'm right. because a big company just put that on the one. when folks think about what they get from alaska, they think salmon and energy.

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neil: that you $100 million i was right on buying those homes in detroit. because no less than jpmorgan chase is investing that in the detroit area. grants, investments, directly to spur economic growth, back with our guests on what this means. >> i think that this is a smart move. i was reading about the stories in one of the areas they are focusing on an job training. many say that there is a huge skill gap and that they need people who are qualified. so i really like the emphasis on that. >> even if jamie dominus the shepherding the funds?

>> i think he's just trying to cover his butt after and on. and he could donate money to africa right now. [laughter] >> that is what worries me. the most he loses a thousand dollars. but i'm wondering when someone like jimmy diamond steps out, is an analogous to ibm buying back stock after the meltdown. it's a confidence builder, is it not? >> it's stupid genius. it is a city in the middle of the united states. but look at what you have around it? you have commerce around it, buying up tracts of land and a build, they are a bank, and the people that buy those houses, they are going to bank that with

chase, it's a brilliant and smart and i think it's a great deal. if i can buy 20,000 homes for a thousand dollars and rent them out, i would do it. >> it is in their best interest. >> it is, but the photo op is genius. >> you don't think detroit gets anything out of it? >> it's got so many people wondering about that. i hope for the sake of jimmy diamond that he follows through. neil: so you don't think he will deliver the goods or the money? you are a very jaded woman. [laughter] >> wow. >> wow is right. that's my reaction as well. >> let's say. you know, maybe that's what it takes. someone you need to build confidence. >> detroit has just been so beaten down. what is the other option here? we just continue to beat up on

this port city or give it another chance? >> you raise the point is well that it depends on if the money gets to what jpmorgan wanted to be. >> with all of the eyeballs on the city, you have to hope that they well. >> there are people who have been represented by politicians, but they have a city manager trying to turn things around and you know, you should be celebrating this. >> at the money funnels down, you and i both know that it seems to disappear. >> but isn't it better not to have this or to have this right now i'm at. >> i give him props for trying, but again, it is a photo op. >> with jimmy diamond and others neil: the tracy byrnes soon to be following. [laughter] in the meantime, the government

is forcing credit sweeps to pay more than $2.5 million in tax evasion. you ever wonder where the mone i'm randy and i quit smoking with chantix. as a police officer, i've helped many people in the last 23 years. but i needed help in quitting smoking. along with support, chantix (varenicline) is proven to help people quit smoking. chantix reduced the urge for me to smoke. it actually caught me by surprise. some people had changes in behavior, thinking or mood, hostility, agitation, depressed mood and suicidal thoughts or actions while taking or after stopping chantix. if you notice any of these, stop chantix and call your doctor right away. tell your doctor about any history of mental health problems, which could get worse while taking chantix. don't take chantix if you've had a serious allergic or skin reaction to it. if you develop these, stop chantix and see your doctor right away as some could be life threatening. tell your doctor if you have a history of heart or blood vessel problems, or if you develop new worse symptoms. get medical help right away if you have symptoms of a heart attack or stroke. use caution when driving or operating machinery. common side effects include nausea, trouble sleeping and unusual dreams.

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...with our best-ever pricing for business. neil: we's deal with credit suisse paying fine too u.s. government for tax evasion that is more than $220 billion in combined big bank fines for gouging u.s. customers, thank you credit suisse, your $2 billion paid for my obamacare web site. we give the banks billions ethen sue them for billions like that they pour from one big pot to another big pot, we get squat. not fair. john, none of those bankers go to jail, bankers get bailed out, then they have no sympathy for

modification of home loans, but if the bankers get fined so what, they write out a big old check. you raise a good points, if you have watched this show you would know that i had railed against those big bank bailouts going to the bush administration. you see i'm against bailouts of any kind for anyone, but you left out another huge culprit. politicians, those who pushed the banks to lend, don't they bear some responsibility after the bust. then the bubble burst, they have gall to rip the banks for lending too much then note lending at all. >> not lend could at all, let's say there were others sinners, and wild eared on the subject of sinners -- while we're on the subject of sinners, how is that all negative healthcare ads to blame for the law's family. all positive ads in world could

not safe this turkey, it is cooked, we're cooked. delay is right. very sad but very right, marcia writes, any time that government gets its fingers on something, you can bet it is not going to work, g the government ruins things when it over reachs, obamacare was forced down our throats it may be one of many ways they are trying to control us. shawn writes, it is about the law not delivering as government advertiseed. obamacare can never work it limits choice and increases cost. jim, nile i'm afraid what i'm seeing happen to my fellow veterans is a prelude to what people experience if obamacare is fully implemented. >> when i hear talking points of go kind of from white house i get newsiated then deaf.

comp cast is studying it, he is sick of it. one more increase in price, it is good guy internet. >> that would be like you charging extra for all of the times you interrupt guests. that is not what it is like, go watch cnbc if you prefer mindless drone oon. -- proneing on. be done with you. laura, as a self employee person who worked from home on internet alall day, that would really suk and get expenses. >> imagine people turn off computers and tablets and talk to each other or read real books again, that is what i'll do before i pay extra for overages, and hot weree issue, hiking minimum wage, be careful what you wish for you might get, watch out for likely loss in

jobs, maybe yours and higher prices to come back of it, dan, will an increase in minimum wage guarantee a increase in accuracy at fast food places? not going to happen. jewely in iowa, we went to mcdonald's the other day it cost us over $15 for two sandwiches, frys and drinks, we could have gone to goaler corral and gotten a sphoers sphers bor. live and learn julie, live and learn, i say snow up with a smile. much better advice larry. in from allen who sounds worryed about michelle obama's healthy eating push. if we're not meant to have

midnight snacks, why is there a light in the fridge? very good alan. very good. i can't say anything kennedy: trust in government has erodeed. it is not all flip flops and spiedos for u.s. citizens. and allies abroad. medical mistreatment of ves rans -- veterans or fake vaccinations, our standing in the world and at home is lower than gary coleman's belt buckle. god rest his soul. the v.a. fiasco has been pressureizing for years, cinat least second bush administration, it could be a issue that sinks this president's legacy. makeing this