government medicine isn't the solution. that is my two cents more. join us tomorrow night. we will be right back here. ♪ neil: message to the companies trying to ship your workers onto the health care exchanges, it has hit the fan. the administration ruling any company that tries to move over workers any one of these exchanges, you may have to pay up to $36,000 per worker per year for that sort of thing. it is a big one that has us asking what other rules are changing on-the-fly. catching stuff a lot of us missed, also in latin, which is

kind of weird. says this whole mess is going to lead to an even bigger mess. lauren simonetti, scott martin and tracy byrnes. to you on this ruling and what it means. lot of companies saying we will give you cash to find a plan to your liking on your own. now they come back and say no can do. >> slams the door. they are subject to employer mandate. they have to provide the mandate package i the law, or if their workers went to the exchange and qualified for subsidy, they would be hit with a fine. neil: a lot of them are open to the fine because it is a lot cheaper. >> the third option was be will

give our employees cash, go to the exchange and pay for their coverage with pretax dollars. that is what the irs is saying no, no, no. this is a tax hike for workers, it narrows options. neil: those trying to take advantage of this trying to get it right off for something shifting onto the government d. >> employers have always done this. this will cause to question the existing health savings account. neil: you say that is what is next. >> that is what is under the shadows.

neil: that is not an option now. >> of course not. this limits an employer's ability to say we will pick up the cost of your health care with pretax dollars as we have always done. that is removed. now there are only two options, obey the mandate and go for the one size fits all, or they will go on the exchange and hit with penalties. neil: this sounds like the government trying to contain an outbreak. >> could they pay the employees and cover the taxes? maybe they still end up cheaper. >> they add $1.79 per hour to the cost of hiring someone. not when you are hiring busboys and waiters did neil.

neil: what about those who got waivers. what happens to them? >> those are the ones who are going to dump their workers. they will get the $2000 per worker. >> now those businesses are being forced to hire all of these people to figure out to tracy's point how much they have to pay additionally to cover this stuff. with the change of the fee of $2000, these businesses are completely lost when it comes to figuring out what their actual cost is. being under the guy guise of the asa. >> workers who get on-the-job coverage will lose it this year. neil: why? >> they will look at the cost of the obamacare package and they

will say i cannot afford that, go to the exchange and i will pay the penalty. neil: a big change. >> it is like a civil fine for attempting to provide the health care with pretax dollars bid neil: but if you don't do that, here is where i am a little bit slow. it is nothing. >> that is a cakewalk. neil: so that is where people will go. >> making up the rules as they go along. >> they call it a clarification beard neil: that is a helluva clarification. >> they will not get involved with obamacare. they are going to hire people and if you are an accountant getting out of college, specialized in obamacare. neil: good point. we will watch this, but it is not right. the other thing developing at

the veterans administration, let's say you find some problems, you feel you have been personally burned by this, do you think you can sue the va, to the government? two words: "good luck." mine was earned in korea in 1953. afghanistan, in 2009.

orbiting the moon in 1971. [ male announcer ] once it's earned, usaa auto insurance is often handed down from generation to generation. because it offers a superior level of protecon. and because usaa'commitment to serve current and former military members andheir families is without equal. begin your legacy. get an auto insurance quote. usaa. we know what it means to serve. smoking with chantix. for 33 years i chose to keep smoking... ...because it was easier to smoke than it was to quit. along with support, chantix (varenicline) is proven to help people quit smoking. it's a non-nicotine pill. 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. i did not know what it was like to be a non-smoker. but i do now. ask your doctor if chantix is right for you.

neil: let's say you have been dealing with the va, good luck. lawsuits from colorado contractors saying the va is not making good on providing funds. thousands of veterans are waiting for checks. any one of them are grounds for suing. is that the case? defending their right to sue.

you like they can go ahead and sue, but it is an uphill battle. in the scheme of things they seem relatively paltry. $906,000, the department of energy $82 million, the irs 104 million. they seem like grizzly sums divided among thousands of victims. not enough to get you a cup of coffee, so it is an uphill battle. >> the government controls everything as we know. the court system, they don't like the way a court system goes, they can outspend money, out litigate any contractor. there has to be some recourse. they have to go after the government, it is not okay to just say they are dying, there's

nothing we can do. >> it is said, but the soldiers it is much easier to have a breach of contract claim. neil: their sloppiness and their ministry give fiasco led to this, so why isn't that held the same standard as the beef with an agency that never wrote a check? >> they have a longer time to sue. both times you have to go through six months of a minister the procedure, but you can cut back on the two years, there is six months.

you can't get punitive damages in a malpractice claim against the va commie can't do class-action or to do so would be very difficult. neil: what about the 40 who died as a result of bureaucratic delays or worse? can't they pursue the va or easier said than done? >> i will not say it is easier said than done, everybody gets the same treatment. if one is 35 energize the lack of treatment, and one is 68, how does it change the system? in that case they are individual case. it goes above and beyond negligence.

delay and postpone. >> it is next to impossible to sue the u.s. government. >> there is a six-month wait, each of them has to wait the six months, how do you organize the timing of that? neil: say it was more than six months, the delay in treatment. >> she talks about the fact if you believe allegedly knowingly they knew they had these secret waiting lists you would have punitive damages, you could punish the person who did that kind of thing.

neil: i heard that clipped around, this is the list of people we have, waiting treatments and none more criminal or nefarious. >> as an attorney. it would be a much more difficult lawsuit. that is the accountability issue. lawyers hold people accountable. all the different hurdles that are set up, you're setting yourself up. neil: is it me or is it a thing of the past? paying multibillion dollars fines good those who can afford them, keeping them in the pinstripe suits rather than another stripe suit. why is that?

we think we know. after this. we're moving our company to new york state.

the numbers are impressive. over 400,000 new private secr jobs... making new york state number two the numberin the nationive. in new private sector job creation... with 10 regional development strategies to fit your business needs. and now it's evenetter 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. then you'll know how uncomfortable it can be. [ crickets chirping ] but did you know that the lack of saliva can also lead to tooth decay and bad breath? [ exhales deeply ] [ male announcer ] well there is biotene.

specially formulated with moisturizers and lubricants, biotene can provide soothing relief and it helps keep your mouth healthy, too. [ applause ] biotene -- for people who suffer from dry mouth. [ chainsaw buzzing ] humans. sometimes, life trips us up. sometimes, we trip ourselves up. and although the mistakes may seem to just keep coming at you, so do the solutions. like multi-policy discounts from liberty mutual insurance. save up to 10% just for combining your auto and home insurance. call liberty mutual insurance at... to speak with an insurance expert and ask about all the personalized savings available for when you get married, move into a new house, or add a car to your policy. personalized coverage and savings -- all the things humans need

to make our world a little less imperfect. call... and ask about all the ways you could save. liberty mutual insurance -- responsibility. what's your policy? neil: pay up to avoid the walk. it seems to be the new trend, gone are the days top executives dragged out in handcuffs, instead if they wrote a big enough check, bygones be bygones. somewhere saying where was this thinking all over a decade ago? $85 billion worth since 2010 alone. that is what they paid up to the u.s. government.

where that money goes is anybody's guess. not only talked to these former titans dragged into court and many to jail, but a lot of them kind of like this new world, don't they? >> this went a completely different direction than i thought i was going to write. all former top level executives from a decade ago, all of them would say why us, not them? if they had their own take on what is going on now, for the most part they endorsed the government's approach now. get dragon, humiliated and thrown in jail. two very high profile trials.

what he said was somebody in washington said we have to be smarter about this, what he said was why spend the time, money, taxpayer money and energy on very complicated investigations? we can say we know what you did, pay the money. neil: these settlements do not excuse the possibility of an indictment, or do they? >> we are now five, six, seven years. six, seven years beyond. there is politics involved. nobody can really issue why they pay the fines if they feel that did not commit any fraud. >> they are killing these bank stocks.

jpmorgan should become a law firm because of the legal fees they paid. they cannot get out of their own way. >> that is the point. if you look at financial stocks in '09, they have been the best performers. it becomes like a one time deal. the ceo doesn't go to jail, doesn't kill the company yet, big what. >> then why bother? >> it was different. it was a huge fine, and what it was from the back stories we

read was it was gingerly handled so none of the executives were brought into it. that is what we are dealing with. >> you don't hear about the $6000 credit charge. it is not kosher to act like that. >> talking what ceos who demanded they lied to investors. accused of stealing directly from the company. the point is now that the charges stemming from a financial crisis at least you could say there were more systemic in nature. creating products that were legal, selling them to sophisticated investors.

neil: when i was talking, i thought you held elaborate parties. right? the other guy might have led to a meltdown. >> the bleeding has continued. they are using these banks as a piggy bank. >> i expected them to have all kinds of rage. neil: i am just wondering, do we know where this is? earmarks for helping? >> it is just the six big banks. there are so many others. >> how about fannie and freddie,

guys? leading to a big surplus. neil:'s all that money is being pissed away. >> it can give an extortion against banks. neil: what is weird to me, we paid billions to keep them afloat. >> it is a wash. neil: when we come back, maybe this is why people are cooling it on the vacation thing. they are just downscaling it. think tracy byrnes-cheap. when we come back. you start tom? yes sir. alright. let's share the news tomorrow. today we failrly busy. tomorrow we're booked solid. we close on the house tomorrow. i want one of these opened up. because tomorow we go live...

it's a day full of promise. and often, that day arrives by train. big day today? even bigger one tomorrow. when csx trains move forward, so does the rest of the economy. csx. how tomorrow moves.

neil: all right, it's not that people are cooling it on vacations, just not the kind they used to go on.

that says a lot about our economy. who found out better than our own stephanie who went out on the street to find out what people are doing. >> i save first, whatever is left we go on vocasion. vo -- vacation, start saving earlyy. >> plan for the future but have a good time right now. >> i would prefer to put money toward my retirement. we have a six-month-old at home, we're geting to a . we're thinking more about savings than vacation. >> we're in a 1 live for the moment phase, now we do a yearly vacation budget to figure out where we want to go. neil: so, back with our producer stephanie, who talked with those folks, their move is conservative, have fun but not go nuts.

>> they want to take a vacation maybe down the shore but not at some paradise. neil: is the poconos not a paradise? >> no. >> this is going to be a long segment. they are just being garded, they are worried? >> it was across all ages. you are so interested in my generation, i talked with older people. neil: your generation is negative. >> no. neil: really. >> i don't know. you think so. >> i disagree with everyone that you interviewed, there was a survey just a couple days ago that said, 83% of us, this airfare watchdog. neil: you guys our all people? >> are taking a summer vacation, spending 4500 on average and -- wait, wait. neil: wait, wait, you don't vacation like you go to --

>> i think that everyone is lying they are not saveing. >> they are. >> i hop da hope they are not. >> i hop they are not lying, people lie to you? >> they get camera shy, they have to say the right thing. neil: oh. >> yeah. neil: who knew that money guy here, would find this revelation to be worrisome? >> for very low frees too. neil: what do you make? a lot of people are now getting interested and worry about their retirement, they are cooling it on spending now? >> i think that tracy is wrong i don't buy it. i think stephanie in -- found these people, this -- this statistic say nobody is saving

for their retirement. less than one fifth of us, how did she find those people, you stuck a microphone, they said, what should i say? then they say retirement. you know -- >> yeah. >> i attract conservative people maybe. maybe i attracted the smart ones, i talked with high school kids they were telling me about their investment plans there is hope. neil: who has investment plans? >> i promise you, a high school group of kids in a financial group of something. neil: how did you introduce yourself, i think that you were hitting on you? >> no, i said do you want to answer a few questions about money. neil: i'm already planing for retirement. >> people are saving if they are not lying. >> like you don't swear around your mother, the microphone comes in your face, you say the right thing. >> i swear around my mother all of the time.

neil: are you sure they are not holding back? >> weaken we we think that we've seen them act on it. >> freezing cold winter, a terrible start to spring, we're going away. >> going away. neil: your idea of a hav vacatin down scaleed? what is it? one hemisphere away or what? >> 6 hour or less plane ride. >> these people are going camping or jersey shore, i really do think they are -- >> i would pay good money to see you at the jersey shore. the price of admission. >> to their points, everyone is more expense itch. neil: noexpensive. neil: not in the jersey shore, a good sauce an grinder for -- >> later. >> no. neil: thank you, and stephanie, i support what you said. >> thank you. neil: incredible. >> i hope you got a date out of that. >> i needed one. neil: this is a great idea, i don't care whether you are

trusting, and you are callous and mean. you can work, you can work your college credits off. i think that is going to pay off, after this. unlimited cash back. let that phrase sit with you for a second. unlimited. as in, no limits on your hard-earned cash back. as in no more dealing with those rotating categories. the quicksilver card from capital one. unlimited 1.5% cash back on everything you purchase, every day.

don't settle for anything less. i'll keep asking. what's in your wallet?

[ 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. ♪

neil: this is an idea who think time has come, colleges are offers students who condition to go there on can't afford to go there to work there a trend led

by kentucky college. there are many other colleges. with college ofs ohs doing simir things, idea i guess, is to get kids a chance they otherwise would not have? >> right. we exist to serve the under serve and provide the lowest economic -- socioeconomic students a really high quality education. neil: how does it work. >> our work program. it gives everyone admitted student a job on campus, 123 different places from cast owedial work to college farm in dining service, but, add you move through barea, you can choose your labor position to compliment our academic target.

neil: how many hours? >> 10 hours a week. neil: what do you think? >> i love it, a lot of schools offering internships for one of the year, if you cough up $40,000 a year, you better guarantee me he has a job at the end. neil: what if it is not relateed to that but pay the bills? >> that is where i'm concerned is that taking away a real job from an adult who is not in school. >> it allows us to keep our costs low, our real incentive is to keep the costs low, we're covering the tuition for our students, no student pays tuition, we have an incentive to keep the cost low we use that assistance from our students.

>> then -- >> teaching them responsibility to be on time, like, you know not all about calculus when you get out. >> i think that is the problem with some kids. you know some kids they go to a bigger instution, feel like they, they deserve a job when they get out of college, they don't need a job at work. we have to get the kids in the mood to work from on set. neil: 10 hours a week is not too taxing. >> $2 .80 an hour is what they are makeing? >> they are credit -- getting credit. >> i would think you soon pay soon pay them -- 1 pay them. >> a first year student earn about 1500 for academic year, by time you are sa a senior you mae about $2,000 that provides for

personal expenses and pay your expected family contribution if your family is not able to do that. >> do those students. >> barea does not charge tuition. neil: that is it. but, these kids, it will room and board is that covered or just tuition? >> a little bit more than 50% of each in coming pwhras doe classt pay, our average aim for first year students, next fall is 1100 for the academic year to come to brea college. so, those lakeer earnings, i said were 1500 a year, you could still pay the cost of your first year without going into debt, a third of our graduates graduate with zero debt. neil: it is avoiding what is happening now.

school is priced out for too many kids, i like it even show lauren do yo do you not. >> have you seen a spike in applicants? >> we do get quite a few, we're the only instution that will turn down a student if he or she comes from a family who can afford the high cost. >> okay. >> of quality education. that is where we're different. neil: very good seeing you. a lot of these kids, they maybe will be able to save to nifty gadget, remember dir dick tracy talking into his wrist, someone is talking back? iit is all the rage, it is now here, you are ready? latte or au lait?

sunny or bubbly? cozy or cool? "meow" or "woof"? wheels or wheeeels? everything exactly the way you want it ... until boom, it's bedtime. your mattress isn't bliss: it's a battleground of thwarted desire. enter the sleep number bed, designed to let couples sleep together in individualized comfort. he's the softy: his sleep number setting is 35. you're the rock: your setting is 60. that works. he's the night owl. his side's up while you're in dreamland. you're the early bird. up and at 'em.

no problem, because you're in it together...keeping the love alive. and by the way - snoring? sleep number's even got an adjustment for that. crazy? only if sleeping peacefully with your soulmate is crazy. you can only find sleep number at one of our 425 sleep number stores nationwide. and right now all beds are on sale starting at just $649.99. hurry in for the final days of the sale, ends sunday! know better sleep with sleep number.

neil: apple is seeing future, it's your home, all your gadget, your toaster, your dishwasher, tv lights, if apple come up with a gadget that allows you to control that stuff. via its gadget, game over, they are king of gadgets, samsung does this to a degree, apple is moving in big time. we find out how much,.

>> if it is going to simplify life i am for it, it is where we're going, be careful about privacy issues, all that stuff, but it makes life easier, we got to find a happy medium, not going away, just getting worse. neil: scott? >> i love it too. with convenience you give up a privacy, who doesn't' a device that will give you information on your bodily functions that are you afraid to ask about. it is going to be strik tpraoebn frickin' awesome. neil: okay, scott, he just had a baby, his life has been drastically curtailed. what do you think? >> i am concerned about the privacy issues, i think a lot of people say they are concerned about privacy but they are not. neil: i don't understand why it

becomes a big deal with using your toaster or your dishwasher is on. >> let them count how many times i run by dishwasher, they will be blown away. if i know i can shut the even oven off, because one of my kids left it on, i can shut it off. off. neil: you know temperature you keep your house, and which is a little creepy, but, that is a rage right now. >> well right because i think that something like to tracy a points, people top control, data issue is one that consumers are worried. whoever it is, get data and sell it to advertisers or companies that know you use a product then they have that data they never had before on you. neil: thank you, they already

know, burns runs her dishwasher 15 times a day, and cascade. >> they know what tv shows we're watching who music wireless ending to, i would -- we are listening to you, i would rather go home and set the ter th*erpl stat. >thermostat. >> you say that now. >> i probably could not figure it out from my phone anyway. neil: is it me? government is creative when it comes to ways to getting money, noty muc so much attractiveing, latest, search for tax evadeers, to opportunity of 10 -- tunes of tens of billions, they say say they are going after it. is that a bad idea? >> well, they should look at how much money the federal

government is spending. neil: thank you. >> in last 6 months $2 trillion, i think that is 7 million a minute, something crazy like that. neil: they are going after is what we spend in under a month, they are paying much more attention to money they want than what they are spending out. >> this is part of the administration's. >> how do they do that. >> they are taking over the suitcase. neil: what? help me. >> you take it through customs in a suitcase, you know. the problem is -- >> don't bother looking there is nothing in the bag. bag. >> this is fake it is monopoly money, nobody will be as big of a piece of low hanging fruit as wesley snipes either, they have attorneys and staff that find ways through loopholes to move

this money around. neil: i would like to see, is more than just as swroe zealousw they are going after money. >> do we need to did the research on turtles and salmon fishs that we waste money. maybe we could cutback a little. not tax us to death. neil: there that. go home with your children, read them a lullaby. >> when we come back.

this allergy season, will you be a sound sleeper, or... mouth breather? well, put on a breathe right strip and instantly open your nose up to 38% more than allergy medicines alone. so you can breathe and sleep. shut your mouth and sleep right. breathe right. neil: what is the deal with indiana governor having his cake, maybe eating it too on health care, he opposeed

obamacare but is happy to take federal funds for his state. >> any association from moneys in obamacare soils you in the eyes of republican party. disavow them of that motion? >> we have to be solutions conservatives here. and i think we need to repeal obamacare, lock, stock and barrel. but we need to preform medicaid -- reform medicaid. neil: kim e-mailed, seems that governor is just too much to pass up. >> he is practical, i would rather have a guy like that strategicly investing money for my state, rather than a guy who blows carbs and leaves me in a sorry state, go pence. >> steve, my first thought is there is someone i would vote for, sharon said this is my voice for president in 2016, he

is a conservative, experienceed and works well with others. then not so much our segment on higher food prices that got you writing but images of me writing, you are a grill master, how about rising percentage of neil cavuto's cheesyness, 100%? >> work said, you really grill theic oak this one, by -- the economy on this one, by the way thahow did you get into that svelt apron. >> what if our veterans took their sweet time defending us, the way our government seems to take their sweet time defending them. i got a lot of e-mails and comments on that. colonel robert, you nailed it. i am disgusted with the current

administration's lack of urgency to resolve the plethora of v.a. issues, but what is new? jeff in south carolina, your comments blew me away, you should read them on the floor of the house with both chambers in aden dense, wait, let's add the administrative branch too. gets off your high horse, v.a. care is cutting edge, you don't have a clue, not having served or used v.a., you don't need to serve to appreciate those who do. you don't have to be a veteran to demand better care for veterans, if you are a veteran are okay with the contributeing to more than 2 dozen deaths and make heroes of all wars needlessly wait for the care they desev serve now, you are

the one that have issued sir, not me. sergeant, 1968, finally, someone gave a speech that i wanted to hear that the way veterans are treated now, i'm a disabled vietnam vet, i can tell you one outrageous story after another. your speech was classic it lifted my heart, thank you. >> no, thank you. you and your fellow heroes deserve a hell of a lot better. >> neil, never have i been prouder or loved you more than today, you gave your closing points concerning our vet rans, thank you very much. thank you, but they are the ones we should be thank for their actions, not me for my words. >> ron in new mexico, your gift of articulation has a way of striking an emore,al cord with -- emotional cord with me when you speak, today it hit home, my

father was a world war ii veteran who served in belgium at that time. very sad the way that veterans are treated today. >> some of you just as annoying hire minimum wage debate, leave it to charlie gasparino to get the debate going in a whole another direction by taking pot shots at mcdonald's, not for what it paying for people but horrible food that charlie said it shoves on its customers, he actually say that, that is that, charlie has to go, charlie gasparino you can eat in any dive you want, most of us condition afforcondition -- can0 piece of cow, and the hell do you care what people eat? it is no sweat of your liberal ass. >> you have to either put him in his place, allow others to speak or rename the show charlie gasparino, don't think he is not balloting that -- plotting just that, william, neil, sounds

unfair not to adjust the minimm rage, that is my points, a slight bump is one thing, a doubling is another thing. and one mcdonald's strikeer said, when told a bunch of employees could close lose their jobs, the answer was the ones that works hardest will get the raises, duh . >> and companies share a little with workers, we would not be mandating a disfunctional minimum wage, that depends on your definition of sharing a little bit, if that is doubleing that is what risks being disfunctional. lance, raising the minimum wage by a drastic percentage is not fixing the problem it is creating a political stepping stool for the democratic party to remain in office in 2016. >> and rebecca, what do you

consider the middle class? that would be about 95% of us. rebecca. 95%. of the country. that will do it see you tomorr tomorrow. >> good evening, i am charles payne in for lou dobbs, president obama declaring that the war in afghanistan will coin collide this year, before confirming this does not mean all of our troops will issue issue -- will be returning home. >> today i would like to update the american people on the way forward in afghanistan, how this year, we will bring america's longests war to a responsible end. >> president's initial statement was a bit misleading as he told gathered media our military present in afghanistan will include 10,000 s