chinese internet stock rallying from its debut but coming of the highs. [closing bell ringing] >> up 8% going into the closing bell. liz: had been up 11 or 12%. it is up 10% as we hear the bells ring on wall street. dow jones, we lost a lot of air here. the high point of the session up 32 points. s&p 500 up eight. still up four. not a bad day for the russell. david: we have inverse pyramid. smallest gains at the top. you can't forget russell 2000, almost a full percentage point. liz: decent move here. "after the bell" is start, right now. don't move. david: kind after fun day. certain stocks moving in very strong directions. get right to today's market action. yu-dee chang, who has four investment ideas for the current market performance you can put

to work right away. ken is warning investors bear market is may be on the rise. bob iaccino in pits of cme. we want to start with jo ling kent and talk about this extraordinary ipo, jd.com. i was trying to describe it to somebody but kind of like overstock.com. have a whole lot of stu on the internet. they're still not making money. still not profitable. what is going on with ipo. >> still not profitable. more like amazon than and alibaba. i spoke with former coo and ceo of jdmall.com and biggest revenue generator for jd. they are inching towards profitability. how the bumps in the road could affect chinese consumer he is depending so much on, he not expect middle class that is

growing outward. look at their numbers. 60% growth in revenue in early nine months of 2013. you have billions of dollars worth of merchandise volume swishing around. a lot of potential for jd.com. what does he think about alibaba? what does he think for jack ma. good time to go public in u.s. liz: we'll see in alibaba's picks the nasdaq or new york stock exchange. thank you, jo ling. we have bp earnings out right now. let's get to ashley webster. how did they do? >> we indeed do, liz. beat on top and bottom. estimate was 58 cents. revenue 3.77 billion. beat for gap on the top and bottom. early easter and warmer weather doing marvlous for apparel retailer there. bringing more customers in so positive signs. old navy shown a lot of strength in april.

we'll have a look at that report. want to mention on hewlett-packard, guys. they have announced their, number of jobs they are eliminating estimated at 34,000. they now say they will be laying off 50,000 jobs at hp. that is really cut costs and turn that thing around. david: dear what a shame. >> that's a lot of jobs. david: let's go right to our panel. first i want to talk to yu-dee chang what happened to gap. there were a lost death knell written for the retail sector last week an beginning part of this week but they're coming along quite well, yu-dee. >> yeah, look at gap they're fast to recognize customers needs. they're solidly deet beating their competitors in good or bad market. in april the sales picked up tremendously. this is retail company with a niche. i like it a lot going forward. liz: what do you like about the

markets, yu-dee. we had two really strong days for the bulls. started to wane a little bit in last hour of the session. the day before it was a really ugly day. how does an investor play this? >> if you think about it, liz, that's why there are two schools of thought. one says, uh-oh, big one is coming with low vix and market hasn't had a correction of 10% or more for a long, long time. and bond market yielding so low. that is all signs of bad things to come but on the other hand i think market is already in a sideways rotational correction, if you look at it. internet stocks down about 17% or some autos down 10% or so. small caps down 10% or so. we have been in a correction i think. we have to sift through this correction. when earnings picks up a little bit maybe in the third quarter of this year, the market will resume the upward trend. david: bob eye chino at cme, i have to bring you in here. hewlett-packard surprised us all coming out early.

the stock is trading down. you call hewlett-packard a buy the correction stock. explain. >> i'm a really big fan of meg whitman. i love hewlett-packard because meg whitman is there. there is hard to come on tv and say i like a stock when they're laying off 50,000 people. that is part of why i like the stock, right? hewlett-packard has been a unwieldy company from cost structure basis. nobody is better at that in my opinion than meg whitman of the when the correction comes hewlett-packard will be beat up more than already. there may be pc sales rebound and windows stops supporting xp. people will look at new pcs. pc loyalists. that will be a good time for them to get into that market. could be -- one of my favorite. buy the correction stocks when the correction happens. liz: well, i would love to see the pc market reinvigorate but it may just, it may just finally find a bottom, how about that? we would be happy with that. let me get to ken.

good to have you, ken. talk about your picture for the markets. we know we're coming into a holiday weekend. would i like to throw out this week. it has been awfully thin volume therefore the swings are more dramatic but what do you expect for the mex couple months? >> i'm looking at history, if you look at midterm elections years going back to world war ii, the period between april and the elections tends to be a downward period, maybe even a correction. although i agree with the other guest who said that we may be in the correction now inside ways version of it. but historically what has happened is that we get all the negative ads and get all the pre-election stuff that tend to affect confidence and creates uncertainty as who will win the election, et cetera. so the market tend to trade sideways, if not downward. after the elections. once elections are behind us, 100% of the time in the midterm election year since world war ii, we've seen a rise in the fourth quarter.

liz: yeah, true. >> the average in those four months is about 7%. so i think the year will end very strongly given that dynamic. david: jo ling kent, i want to you about china because a lot what happens in china does affect markets here. they had awful news, another terrorist bombing. that got the attention. what got less attention that the fact they blew right past their manufacturing numbers. they had extraordinary gains in manufacturing, totally unexpected because everybody was talking about the slowdown there of the does that mean china is on a good footing right now? >> david, i think it is a little more stabilization coming out after couple different metrics this week. certainly today's data helped for the thesis, as far as china goes, what i'm really watch something housing and banking. i'm looking at shadow banking and housing crisis. we're looking potential major bubble. if you look a lot of stocks on nasdaq and nyse, they depend heavily on chinese consumers. that is where the action will be. liz: yu-dee, i don't see you picking chinese stocks. i see you picking companies with

exposure to it. for example, tesla. that is momentum play that pulls back. you like it now. they will be big sellers in china at some point. what do you like about tesla that makes you unafraid of getting in here? >> like you said, automobile sales in china is very strong, gaining 10% a year. tesla as well very popular in china but never made a concentration into china. once they start to make the effort not only china but see european sales has been up also, that's why i like tesla. also concerning the fact it has gone through a correction already. i think that bows back to what you were asking. i think in today's market, don't chase high-flyers, buying the dips is the way to go. david: ken, i want to talk about treasurys because there was there rush to treasury when the market kept going down. do you think that's passing a little bit now? >> well, you know, thing about bond they bore you, they bore you, they bore you and then they kill you. and so i think we're in the

period right now where they were be boring and we'll get decent dividend compared to cash and other things. but we counseled our clients, we moved half of our position from bonds into cash right now. when the market decides that the fed is going to raise interest rates, i think that's when bonds may start killing us. that may be the time to put cash to work. so i wouldn't be buying bonds right now. if you have them i would keep them. if you have cash that is not where i would put it. i would rate to interest rates get up 3%. 3.15 on 10-year which probably will be next year. when that comes i think that will be a buying opportunity. david: that will be on your tombstone. bonds, they bore you, they bore you, they bore you and thin they kill you. that is not a bad ephithet. ken, thank you very much. yu-dee chang. jo ling kent, bob iaccino. we'll see you in couple minutes when s&p futures close. thanks, guys. liz: president obama turning to powerful industry leaders to discuss ways to attract more international visitors and their money to the u.s. coming up, a fox business

exclusive one of those leaders who was in the room. david: who? liz: ceo of marriott international, arne sorenson. what did he advise the president to do, how he feels how the president moved forward with this plan and how it affects us. fox business exclusive. david: a fly on the wall. new tax on reward points. just when you thought you would get the reward points. the points that airlines and hotels give customers. could this mean the end of free hotels and flights for you. liz: wait until you hear what arne says on that. he loves it, right. liz: not. the semiconductor industry, does it bore you? guess what? it is outperforming the market this is year, up nearly 10%. david: wow. liz: four of the cheapest best stocks in the sector according to one our guests that could rally 30 david: 50%? >> that's what they say. david: latest data showing home affordability is decline

negotiate u.s. here's the question, could your kids afford to buy a house or apartment? even if you don't have kids, what about your friends kids? what do you think? let us know. @fbnatb. your answers coming up. ♪. ♪ [ bell ringing, applause ] five tech stocks with more than a 10%... change in after-market trading. ♪ all the tech stocks with a market cap... of at least 50 billion... are up on 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 your trading floor. get real-time market scanning wherever you are with the mobile trader app. from td ameritrade.

the numbers are impressive. over 400,000 new private sector jobs... making new york state number two in the nation in new private sector job creation... with 10 regional development strategies to fit your business needs. and now it's even better because they've introduced startup new york... with the state creating dozens of tax-free zones where businesses pay no taxes for ten years. become the next business to discover the new new york. [ male announcer ] see if your business qualifies. >> welcome back, everyone. continuing to follow the earnings reports particularly hewlett-packard. profit up, sales down. those are some of the headlines.

matching on the earnings per share at 88 cents but down a little bit on the revenue. one of the big stories hp saying in their release the number of jobs being eliminated is more than the original 34,000 jobs. it could approach 50,000 jobs. this company is not only dealing with dwindling pc market and trying to find ways to cut costs. one it appears to be eliminating a lot more jobs than first reported. liz and dave. liz: the company got bloated over the years apparently. david: that's bad news. good news from earnings. gamestop reporting moments ago. liz: let's go to nicole petallides on floor of the new york stock exchange. let's go. >> liz, dave, a lot of nieces, nephews and kids are running over to gamestop. this quarter, 59 cents, beating analyst estimates of 57 cents. so two pennies higher. let's look also here at revenue. revenue was slightly below, 2.00 billion, from 2.02 billion.

you do see a slight miss there but virtually call that in line. what you're see something profit and from the. new games helping them along. global sales on the rise. they're seeing new game sales attributing, obviously growth to revenue and profit. stern ag was very positive on gamestop. i say nieces and nephews because my kids drag me there all the time, dave. this is a place for all ages no doubt. and they continue to see growth. david: speak for the husbands. a lot of husbands in that category. the wives wish they weren't but they're there too. nicole petallides. liz: s&p futures are closing right now. we head back to bob iaccino in the pits of the cme. how do they look? >> really, really quiet, liz. memorial day weekend is the official start of sell in may go away season. we'll see what happens next. it was ridiculously quiet with low volume going into the close. unfortunately not a whole lot to report from you here. liz: sorry about the blawkhawks.

sorry about my kings killing blawkhawks,. >> walking off camera. >> look at. that. that doesn't happen before. go rangers. go rangers. all right. liz: it may happen. it may happen. thankthank you, bob. we'll get bet going. david: s&p is relatively flat so far. there is one industry off to a very strong start. semiconductor index is up 9% since january 1st, compared to the s&p's 2% gain. liz: now we have someone who says semiconductor stocks, some of them still look very cheap. he has got four picks for you with big upside potential. joining us jack hough, barron's senior editor. this is interesting. here you are. you identified this is real opportunity. what is happening in this world? >> you are both far too young to remember this -- david: thank you. liz: right. >> in 1990s, this was boom and bust business. you see a big surge in revenues and see a downturn.

all of technology has kind of changed. we use it everywhere every day and become as stable source of cash flow. over the past decade, semiconductor semicompanies are fastest grower of cash flow in the s&p 500. the reason is that they already have the factory capacity. they built the capacity. now they're utilizing. they don't need as much of big ticket spending going forward. we're in a sweet spot where demand for chips is stable and you don't have to put big dollars building new capacity. david: put the soxx up if you expand, producer. you will mention individual stocks but why not just buy into the index? >> you can. that's a good idea. the 16 times free cash flow right now. david: wow. >> s&p is closer to 20. if you factor in cash on hand for semiconductor companies. david: huge, enormous. >> up to 14 times free cash flow. a different story when you look at earnings. if you look to price to earnings ratios you might not see the

whole thing. look at free cash flow chip stocks look cheap. liz: you identified a handful of these. i find your picks absolutely fascinating. we start with marvell. what makes them special? >> yeah. liz: people should know each semiconductor company has a different bailiwick, doesn't it? >> folks at rbc capital put together a list of really promising companies with modest valuations and good free cash flow growth and marvell looks to have the most upside of the bunch. this company has more than one quarter of its stock market value sitting in cash. only 14 times free cash flow and when you look at the estimates you see pretty good growth in revenues over the next couple years but even faster growth in free cash flow. david: they make great comic books as well. that is not them. >> when we say free cash flow, this is real money they can spend on dividends and. david: if they do that, nvidia. most people heard about nvidia. why do you like them? >> it's a graphic company.

it returned 70% of its cash flow to stockholders in dividends. david: they have already been doing that? >> this company has record of spending money in the right direction and now will have more of that money to spend. david: how much could nvidia increase in value, the stock next year. >> 30% upside, something like that. david: wow. liz: sandisk, we find this chart fascinating. this company has figured out from being sort of a single focused business to many opportunities. they're not cloud. they're expanding to i guess you could say big business opportunities. but why this one and not some of the other competitors in the space? >> well, sandisk is in a good position where it makes, flash storage and it has opportunity to do that on branded and non-branded basis. a lot of way it is can make money. the company wants to return really all free cash flow to shareholders through dividend and repurchases. it has a lot of spare cash. again, stock looks cheap. david: looks cheap unless you look at a chart where you see it

going straight up for the past year. >> that tells you up. it doesn't tell you where it is fundamental value of the business. liz: trailing pe is 19. that is kind of rich. >> free cash flow, earnings understate the free cash flow. the price earnings ratio may look up. but look at price to free cash flow and looks pretty good. liz: read jack hough in barron's. david: he is the best. jack, thank you. liz: president obama meets with industry leaders to discuss how to increase international tourism into the u.s. in an effort to spur economic growth. coming up we're speaking exclusively with marriott ceo arne sorenson on the president's plan to boost terrorism. david: why don't we just have guys in bathes suits? we'll deal with producers after the show. speaking of producers, travel rewards miles you racked up could face new government taxes. yes, they found a new way to tax us. how will you be affected?

rich edson has all the details on this. liz: listen to this psychologists found the formula for getting people to like you. do you want that formula? we have got the breakdown for you straight ahead. ♪. ♪ [ girl ] my mom, she makes underwater fans that are powered by the moon. ♪ she can print amazing things, right from her computer. [ whirring ] [ train whistle blows ] she makes trains that are friends with trees. ♪ my mom works at ge. ♪

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liz: time for a quick speed read of some of the day's other headlines, five stories, one minute. first up intercontinental exchange group announcing that new york stock exchange ceo duncan neiderauer is stepping down. niederauer will remain vice president until august. unilever is selling its north american pasta sauce brand rag goo and better tollly to a group in japan.

the deal is worth $1.5 billion. sergio marchionne asking potential buyers of fiat 500-e car not to buy the vehicle. they lose $14,000 each time they sell the 500-e. marathon buying hess stations. it will expand marathon's operations from nine states to 23 states. nest recalling 440,000 of internet connected smoke detectors to fix a problem with a software update. the smoke and cash cash detector is struggling with a glitch that can stop the alarm from sounding -- carbon monoxide. that is today's "speed read." [buzzer] david: right on time. if you're checking in at a hotel or at the airport, your travel reward points could face new taxes in the irs gets their way. liz: travel industry right away when they heard that sent a letter to treasury secretary jack lew arguing against the taxation proposal.

let's get to rich edson live in d.c. they didn't like that at all. >> not all. the travel industry is lobbying against a significant threat of a new tax on their business. they explanation explain it like this. if the customer has hotel points and redeems them, the parent hotel company reimburses the individual hotel for accepting those points. that is tags-free, for now. administration is finalizing legislation that could open a door for tax sakes on that potential exchange. there is no direct tax on travelers though the industry warns the additional cost would likely result in further erosion of awards benefits. a handful of travel trade groups written treasury secretary jack lew saying quote, a new tax on loyalty programs will increase uncertainty for the travel industry and negative impact american families, business professionals, seniors, small business owners, charities and overall u.s. economy. ultimately any change or clarification of loyalty program

accounting should be made through the legislative process, not irs promulgation. treasury spokesperson refused to comment because the government has yet to finalize these rules and guidance. if treasury decides to move forward with this, government regulators would write details. congress could also get involved though there is little prospect passing both houses until at least after november's elections. so the lobbying continues. back to you. david: rich edson, let's hope it doesn't happen. thank you, rich. liz: have you heard of uber? is it in your town? we have breaking news, this business is obviously doing well enough that uber is in talks with investors to raise about $500 million in funding. investors are discussing a valuation, are you ready for this? north of $12 billion for the company when you call you get a car that comes right to your location. like a taxi, only cars are really nice. maybe a little bit more expensive depending, sometimes less. the possible investors, are you ready for names? blackrock, general atlantic and

general technology crossover ventures. its revenue could be as high as -- >> spreading like wildfire. such a convenience in big cities like new york where sometimes very difficult to get a taxi. washington, d.c. you can't find available taxi very often. call up the number. send you a message back. tell you the car is waiting there. a terrific service. $1.5 billion revenue in 2015. if that holds up, they shouldn't have any problem at all. liz: disruptive business idea. hackers figured out a way to hack your iphone if locked or stolen, giving access to all your data even if it is password-protected. who is at risk and how can you protect yourself from this. david: not easy to get a loan if you're new to the workforce or not a long credit history. one company is changing that. assessing people with a very new standard and connecting them with investors willing to lend. we'll talk to the founder straight ahead. liz: plus we'll tell you which us air ports are the most

expensive to fly to. the answer may surprise you. the answer may surprise you. so you've got to stick around.

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have a bleeding condition or stomach ulcer, take aspirin, nsaids, or blood thinners... ...or if you have kidney problems, especially if you take certain medicines. tell your doctors about all medicines you take. pradaxa side effects include indigestion, stomach pain, upset, or burning. if you or someone you love has afib not caused by a heart valve problem... ...ask your doctor about reducing the risk of stroke with pradaxa. hi, are we still on for tomorrow? tomorrow. quick look at the weather. nice day, beautiful tomorrow. tomorrow is full of promise. we can come back tomorrrow. and we promise to keep it that way. driven to preserve the environment, csx moves a ton of freight nearly 450 miles on one gallon of fuel. what a day. can't wait til tomorrow.

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the top performing sectors. sales of previously owned home rose at annual rate of 4.65 million units. this marks the second increase in sales in nine months. number of americans filing for first time unemployment benefits rose more than expected last week. claims climbing 28,000 to 326,000. liz? liz: president obama is turning to top industry leaders in the lodging and tourism arena to discuss ways to attract more international visitors in order to spur economic growth. everything from jobs to spending. arne sorenson, marriott international ceo and president was among the group who met with the president right out of the meeting i spoke with sorenson exclusively and asked him what really came from this meeting? >> well, in many respect it is was a love-fest. so this is a space that president obama has been after for a couple of years. it's one area where we've got bipartisan support, so that may make it a little easier.

to give him credit, he and his team is looking to inbound travel to the united states last couple years. it is easy exports. it creates jobs and good for the economy and we've made great progress. part of this this morning was to thank them for his great work. we also spent time talking about the way we could do things even better. >> i was looking a the numbers. we're numbers people here. show us the numbers and some of them were extremely impressive. you talked about making it easier for international tourists to come here of the waiting time on visas has dropped 100 days in some countries, down to five days. that is certainly significant. it has become a lot easier. how important is that to the travel and tourism industry that people are freely allowed to come quickly? >> it is very important. put this in context. last year we had 70 million international visitors to the united states. the administration has set a goal of 100 million visitors. by the way if we had the same global market share we had in 2000, we would have 100 million

visitors already. that incremental 30 million visitors would be a million jobs. it would be hundreds of billions of dollars of incremental economic growth. think about 30 million visitors who stay for a week. sadly they don't all stay in hotels. some will stay with families but the entire hotel industry in the united states is only 5.5 million rooms. so gives you a sense for the potential associated with this. liz: sounds like and already this is an 8 million job in industry here in the united states. as you bring in more international tourists what is the opportunity that you talked about today that could be allerred, tweaked, changed? >> we're focused on three things in the first instance and if i could break them down, one would be invitation. how do we communicate to folks in the rest of the world they're welcome here. second would serve the authorization, visa process, how they get permission to come and third would be experience on arrival. what happens when they get to

the us air port in terms of customs and immigration control. there is work on all three. brand usa is marketed in the united states. it needs to be reauthorized. there is a bill pending in congress to get it reauthorized. that should happen because communicating to folks around the world we want them to come, every other country in the world markets themselves. the dollars are spent purely from visa fees. there is no federal money in it. liz: right. >> we think the returns are we think 50 times for every dollar spent. liz: as hotelier, you have your hotel team and competitors trying to give the president and administration better ideas. what is the best idea tomorrow that could be implemented that you would think really would make a difference? >> president announced this morning, and it's a very simple and very strong idea and that is to say look at 15 airports that process 75% of inbound travel. set a baseline. let's look at the data and set goals for each one of these wear airports to reduce waiting time in lines.

make sure we're providing friendly as welcome as we can. obviously we want to make sure we take care of security issues at the same time. beyond that we have got questions, like can we expand the trusted traveler programs like global entry program available to u.s. citizens per day, so that the 95, 99% of inbound visitors who pose no security risk can go through as quickly and seamlessly as possible. liz: sure. >> there is work underway in all those things. liz: listen, this on a day, all these great ideas on a day where it appears congress is considering, look, they will find something to tax, congress possibly considering taxing loyalty programs that airlines and hotels give out. i'm just wondering what you must think of that? i know there has been a letter, in fact i have it, sent to jack lew, treasury secretary. it says please don't do this. it could really harm our industry. how badly could it harm your business? >> well i don't know exactly what the details of what they're thinking about. i had a very general statement which i saw last night. to me it is a bit bizarre

actually they would be thinking about it. it feels like sort of nickel and diming folks. and i actually don't think tax policy is very healthy policy. it obviously won't be good. i think you will have millions and millions of folks who say, are you crazy? this is sort of part of who we are today, whether it is hotel points or airline points or credit card points. and you're going to put the government right in the middle of all that for what purpose really? liz: tough to put that genie back in the bottle and what is the point of something like that except it might all right businesses. arne, great to see you. >> thanks, liz. liz: one quick question. are you hiring? >> oh, yeah, we're hiring. we're growing. we're having a grand opening next week for example, of the new marriott mark key, 1,000 room hotel that opened here two weeks ago. that is 600 new jobs in that one hotel alone. we're seeing business conditions are really quick good. liz: now congress decides they want to tax things like frequent

flyer miles, david? unbelievable. david: i like the phrase, they're nickel and diming us to death. what they get out of it isn't worth how much they could hurt the travel industry by doing it. liz: our thanks to arne sorenson, mariott international ceo. david: one is disrupting consumer lending business, by the way potential borrowers, particularly young folks are borrowing. up start founder and ceo mike girard telling us how his company rates candidates. liz: as memorial day approaches, we're getting ready to air the award-winning series, "war stories." we'll have a sneak preview with retired lieutenant colonel, oliver north. david: i love ollie.

predicting the future is a pretty difficult thing to do. but, manufacturing in the united states means advanced technology. we learned that technology allows us to be craft oriented. no one's losing their job. there's no beer robot that has suddenly chased them out.

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liz: when your iphone is lot of or stolen, icloud, you heard of it, allows you to deactivate the phone protecting contacts, email and photographs. guess what? the service may not be as safe as they thought. a group of hackers figured out a way to regain control of iphones that have been deactivated and can intercept your apple i.d. credential as. they say the hack is possible because the windows version of itunes does not properly verify security certificates. until apple issues a fix, users are advised not to use icloud services over public wi-fi networks. david. david: interesting stuff. all right.

as the class of 2014 graduates with a record high level of student death debt, today's millenials are in a bit of a bind especially since they don't have the necessary credentials to secure traditional loans but listen to this? borrowers in their 20s are least likely to get a loan, they're actually less likely to default on loans than borrowers twice their age. our next guest saw this fact as an opportunity. we have dave gerard, up start founder and ceo. dave, grade idea, to be the facilitator. but these borrowers actually, i think that surprised a lot of people, that these young borrowers could be great bets, right? >> sure. i mean there's a common sentiment that young people are irresponsible, they don't know how to handle money and they're very risky to lend to. and, the federal reserve actually did a study they released last year that said on statistical basis it is not true at he all. they're least likely to default. that ising we believe and great

to have some validation. david: you have to find different ways of evaluating them. they're evaluated by different standards according to you, correct? >> yeah. for decades lenders used the same old way of evaluating whether somebody is worthy of a loan. they look at credit bureau report. they look at your fico score. they look how much you're earning today. but if you haven't been working very long and haven't used a lot of credit in the past, you're essentially thrown into one big bucket they would describe as risky. david: right. credit card debt will kel you. 20% interest on credit card debt could sink you into bankruptcy very easy. as smart as a lot of kids are, some get suckered into having these big credit card debts. that is where you come in. what do you do? what do you offer a kid that comes in with their 20s with a bunch of credit card debt? >> sure the most popular use of a loan on upstart is pay off the credit card debt. that is three-year loan at fixed interest rate typically far below what they're paying on

their credit cards. that allows them to get rid of the monthly credit card grind. pay off much lower, monthly payment, and their credit score gets better because installment loan is better for your credit score. in the end they're on the other side of this thing and they're in much better shape. david: where does the cashing for this loan come from? >> sure. so upstart is a marketplace. that means there are investors on the other side who actually are investing in these loans and they are making very, what to them is very reasonable interest rates compared to what you can get buying u.s. treasurys or some other sort of fixed income options. david: now it sounds to me like a bank, sort of a strange new bank but a bank. isn't it growing to be regulated by various banking institutions? we are heavily regulated. we're not a bank. we have a partner bank that originates these loans on our behalf. find borrowers and underwrite

them et cetera. the loans are originated by a partner bank. we're not a bank we do follow all regulations and we are audited et cetera, if we were a bank. david: i want to talk to you about home loans. whether your kid can afford to buy home. i have a relative, i won't say which one, irv a she and her husband make well over $150,000 a year. they live in the new york area, but that is lot of folks for people in mid to late 20s. they can't afford to buy a house. can you actually get involved? the reason they can't afford it because they can't get a good bank loan. can you be loaners of mortgages? >> we could be some day. there is no limit to the sort of products we could offer. really the special thing we're doing is we're identifying high-quality, what they would call prime borrowers before anyone else recognizes them as sufficient. that means someone who needs a loan to pay off a credit card so today's credit score gets better. when they do need the mortgage a few years later they're in a

better position to get a better mortgage at a lower price. david: wonderful idea. please stay in touch, dave. i would love to know how this pans out, whether you ipo it or. upstart ceo and founder. >> thank you. david: liz? liz: david as we get ready to mark memorial day we're giving you a look at a most amazing award-winning series "war stories" with retired lieutenant colonel oliver north. he joins us next. a psychologist found a secret recipe to get people to like you? we'll break that down ahead. stay tuned. ♪.

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liz: this monday in honor of memorial day fox business will be airing 16-episode marathon ever "war stories" with oliver north, showing service and sacrifice of our american troops from world war ii all the way through the battle in afghanistan. david: joining us retired lieutenant colonel and fox news military analyst, oliver north. colonel, i want you to know how honored we're able to do this. this will be terrific. this will give us great ratings. some of the most exciting stories including one on iraq. we don't have a clip. i want to show pulling down

statue in 2003. when that happened, my son was in iraq and in the first wave of marines in there. you got to spend a lot of time in iraq. i was covering that from here. so we were all part of this thing. >> i appreciate it because you understand the words, semper fidelis. your son felipe is one of those american heroes we'll honor on memorial day things to the fbn salute to airmen, sailors, guardsmen and marines. from the world war ii up to the present war right now. liz: colonel, we find it to fascinating to see segments. military through these pieces frankly people don't know about, the sacrifice, the courage. i want my children to see it because they don't take for granted every day walking down the streets in the freedom. what amazes you most about all the war stories you've done? >> the commitment. liz, the first war, the one we're in now, since the first

war in the american revolution which every single person serving, no matter their branch of service is a volunteer. to see kinds of people that i've gotten to keep company with, going back to pearl harbor. the require for this show as you know from your husband jeff, the requirement was it has to be eyewitness participants. there is no reenactments or anything like that. these are real eyewitness participants who, world war ii right up to the present day that i've been able to keep company with. this has been an incredible opportunity. david: by the way present day has a lot of ambiguity as far as certain conflicts are concerned, particularly in afghanistan. let's run a clip of that and get you to respond. >> sure. >> had to fight our way everywhere we went earlier when we got here, non-stop. rpg fire. small arms, fire. wouldn't even stop even with all the firepower we brought to the fight. they were willing to stay, hold their ground and defend it.

they stick around fight. once you engage them, they don't run away. >> took many hours. we fought like that 30 days. >> weeks of heavy contact was costly for taliban fighters. >> they know marines are not something to mess with. they have learned that lesson. >> colonel, despite saul the controversy about this conflict, can you think of any fighter, marine, any serviceman fighting that doesn't give their all? >> no. in fact, one of the things that i've noticed and there is a tradition in this, in this service today, soldiers sailor, air force, guardsmen and marine, they all wanted to fight because of what happened on 9/11. most of them join ad branch service because they knew someone in it. and wanted to live up to history of it. that is the dramatic part for me. because i've been able to go back to the world war ii veterans and interview them an take them back to the battlefields. same thing with the korean war, vietnam, cold war. david: colonel, we have to leave it.

we are so, so honored to be able to do this. colonel oliver north. catch "war stories" with oliver north this monday from 9:00 a.m., to 1:00 a.m. right here on fox business. liz: please take time to watch that. timing and distance are not the only factors determining your air fare costs. some airports are consistently more expensive than others. which cities will force you to fork over the most cash? we'll tell you. david: are you worried about being right? there is few simple tricks that could increase chances of making a positive impression. we have that coming up. ♪.

my name is jenny, and i quit smoking with chantix. before chantix, i tried to quit... probably about five times. it was different than the other times i tried to quit. along with support, chantix (varenicline) is proven to help people quit smoking. it's a non-nicotine pill. chantix reduced my urge to smoke. that helped me quit smoking. some people had changes in behavior, thinking or mood, hostility, atation, 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 can be life-threatening. tell your doctor if you have a history of heart or blood vessel problems, or if you develop new or 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. my quit date was my son's birthday. and that was my gift for him and me. ask your doctor if chantix is right for you. liz: let's go off the desk. the reason travelers fly into distant airport or book connecting flights. some airports are frankly more expensive than others. according to data compiled by 75 most heavily trafficked u.s. airports by online consulting

firm plane stats.com, cincinnati is the most costly airport? yes. passengers flying into cincy pay average 22.2 cents a mile during the fourth quarter last year. passengers flying into san juan, puerto rico, struck a bargain, 7.7 cents a mile. cheaper of the 75 most traveled u.s. airports. david: off the desk, everyone wants to be liked, i don't want to be liked by people that don't like. that is another subject. psychologists discover ad few certain tricks if you want to be liked. encourage people to talk about themselves. i knew that when i was dating women. you will seen as compassionate listener and get great dates. ask them for advice. makes them feel validated. focus on positive. focus on negative subjects you get to know on counterparts. focus on good traits, ignore the bad, viewed in a positive light. liz: how about smile? number one thing to watch, april new home sales set to be

released at 10:00 a.m. eastern. economists expecting sales to jump 10.7%. david: they said we couldn't do this in the time allotted. but we did it. ladies and gentlemen, thank you very much. "willis report" is next. gerri: hello, everybody, i'm gerri willis. right now on "the willis report," true cost of an airline ticket? we're about to find out. there's a new push to stop airlines hiding fees. classic case of washington dysfunction. the fiasco around the new homeland security headquarters. >> >> a new report on how the soaring cost of college is forcing some high schoolkids to make some major changes. we're watching out for you on "the willis report." gerri: well if you saw the recent jobs report you would think the unemployment picture was rosy. the rate dropped to 6.3% but that doesn't really describe what's going on in the employment mart.