president's lobby at you are better off for coverage at walmart employee, it is cheaper and covers more. and people already signed up automatically renewed so while they may miss out on lower premiums not to mention the tax headaches coming from all of the red tape. government makes a mess of something the private sector simply does better. "varney & company" is about to begin. i want to take a look at this, the "washington examiner" comparing the cost of obamacare coverage versus the walmart plans. they found out a family of four, king $52,000 per year stands hundreds of dollars less per monthly premiums. arthur brooks is here with us. he will be with us the entire

hour. this is just more proof as if we needed it the private sector is so much better off at doing this kind of stuff. >> the private sector is not good at covering people who don't have any jobs, people left uncovered, tens of millions you didn't have it before, but people who can get it through their job are now getting it through obamacare. it gives them what they want and does it cheaper. charles: isn't that the crux of the problem? obamacare was sold as a policy for the poor but for those already had health insurance and were happy with health insurance, they have upset that entire card. >> busily what we need them to understand is not that the poorest americans didn't have health care, you have everybody in the middle class and above almost had health care through the workplace, it was the working poor in that slot we

needed to take care of. everybody in 2006 new we had to do something and nothing was getting done. republicans were sitting on their hands. when his idea is ultimately to migrate all of health care into a more of a single-payer system over time so you start with trying to say i will help the working people, expand it little by little by little to everybody. charles: it felt like it was expanded virtually to everyone. what i understand is we will have a select few wealthy individuals who can go out and pay a premium to the best doctors and the best care, and it feels like talking but single-payer or single system that is already sort of rallied to that point and so for the returns are pretty awful with respect to net-net. overall what has happened, more people disappointed in this then not. >> let's remember there was not a lead. charles: nobody disputes that,

but the single-payer idea has been thought of and promoted for a long period of time under a whole lot of different names and felt like we would do this for the working point, but a whole lot more people. >> here's the deal, you look for an opportunity with real human need, use that as leverage. either they were going to be gradually expanding the population art would implode into a single-payer system. we should think republicans in 2006, they better have a positive plan when they get into political power when they can fix it. charles: nobody is buying that anymore. not even on the republican side. we are stuck with this thing, or do you start from scratch?

>> repeal and replace, however it works you better have a positive plan, it has to take into effect there is real need for health care reform in this country starting with people who can't change benefits just because a movie between jobs and have big problems and were not able to get it to the workplace in the first place. charles: what are you trying to say is positive, positive plan, what does that mean? >> the republicans have been very good fighting against things, with their bad at his fighting for people. if you want to win the long term in politics or life, actually, you have to start fighting for people. look at any two people in an argument, they are fighting against something. that is what republicans have failed over the years. charles: this is a long time ago, the first george bush presidency his balls were astronomical.

the democrat from massachusetts, said how are they going to beat them? the reminder way for them them to shoot themselves in the foot. in other words it is about that in the other party falter and pointing out their problems did i would love to see a political party in a politician say vote for me because i can do this, not because the other guy is terrible. >> leadership is showing vision for what the other country looks like. they have fallen behind. you're fairly conservative, pro-business, if you had cooked up a special economic plan making the rich richer and the poor poorer, would have invented obama nymex. help people in the bottom half of the posts and listening the sidelines saying obama is still good. charles: unwillingness to pander.

>> pandering basically says i will give you anything you need, i will sell out. it is something else to say i am going fight for you and your family whether you vote for me or not. charles: a president for everyone no matter who. i would welcome that. obama cannot only affecting patients but doctors as well. i did talk to dr. who says obamacare has him and his office all tied up in red tape taking time away from curing patients. right now check on the big board. waffling back and forth between plus or minus, up slightly be at s&p 500 still a little bit down. the big losers are the nasdaq taking a walloping. ahead of the fed meeting, we will find out more. speaking of the fed, inching a little bit higher. the name of last week is still the name of this week, apple.

they say they have received 4 million preorders of the iphone 6 and iphone 6 plus, getting the stock higher. and alibaba getting ready to be friday trading debut. talking about raising the price range closer to $70, shares are up. microsoft shares down slightly on the deal. let's go to nicole petallides on the floor of the new york stock exchange talking about a beer deal brewing. >> that is something we have been following. the possibility of the world's largest brewers has been on cap the last several years, now that we have seen so much global m&a activity it is on the forefront again, now anheuser-busch may be

seeking financing to move forward to try to strike a deal. what is interesting also is miller was talking with heineken and how it made an interesting offer there, but heineken said no, we would like to remain independent. now w we're back anheuser-busch. budweiser, stella, and on the other side of this, would there be antitrust issues? perhaps. analysts say it would not be insurmountable, there may have to reduce the stake in miller course in the u.s. and the deal could theoretically be in the $122 billion range or so. we continue to follow this story. all the beer stocks have up

arrows. charles: i likely started out saying no pun intended. i am glad it is at a new high. to the nfl, two more players benched over the weekend following domestic abuse charges. minnesota running back adrian peterson facing felony charges for abuse, carolina defensive end convicted of domestic abuse this summer benched also, and then there is ray rice appealing his indefinite suspension later on today. the players union expected to argue he is being punished twice for one offense. all rise, judge and a napolitano is here. ray rice initially this happened over the summer with his then-fiancée. the league gave him two-game suspension and then the videotape came to public view and he is fired from the team more or less.

he is saying how can i be punished again, you had already given me my punishment for this particular incident, it would seem unfair for you to go back. >> roger caddell can respond all he wants the political pressure on him but he can't violate the collective bargaining agreement between the nfl players association and the nfl. that bargaining agreement prohibits punishing a player twice for the same event and it allows him an appeal for any punishment he receives, so he already received the two-day suspension, the two games suspension, did not appeal that. and then this bombshell hits on the basis of the tape we've all seen a thousand times so is the appeal appropriate? yes, it is. he probably will win because they don't care about public opinion the way roger goodell

does. to protect the players and to set forth what their rights and obligations are. charles: i don't know how much the public i gets to see this appeals process, but what if we do learn ray rice told the commissioner i did clock my fiancé inside the elevator, what would be the new evidence outside of this videotape he based the evidence on? >> nothing. it was probably based upon himself from the political uproar from viewing the videotape. i'm not critical of roger goodell. his wife used to work here, but again he has to be regulated by the legal relationship, the contract between the people who hired him, the players and the

nfl owners, the people who work for him, the nfl players. charles: you were not here friday, we had a great discussion. they are suing yelp, said he used to work there, he spit in the food. where does this stand? >> this is different from a negative review. if i went to spark sparks and ha lousy experience and i sent it to yelp, as long as my opinion is based on real facts, it is a protected opinion, i cannot be sued and yelp cannot be sued or else the losses will be thrown out. but this is a former employee saying he broke the law and committed a particularly vicious, vile but unknown assault. i would think they would be able to get that information.

i would also think the district attorney for new york city should be going after that information because this person committed assault and the victims are unknown and maybe even unknowable. charles: in respect to somebody going there, having a meal and posting the review, what i are they posted a false review. the idea yelp is protecting a lot of people, potential competitors, rivals. >> i don't know what a false review would be. charles: say i own a small pizza shop across the street or steak house across the street. i am trying to help them lose business and me gain business. >> that is why this privilege is called a qualified privilege not an absolute privilege. you must qualify for the privilege and you qualify for the privilege by having an accurate basis for the opinion that you went there, you consume the food and that you really genuinely didn't like it.

if you live or pretend you were there, you don't qualify for the privilege, it doesn't exist and you can be sued. yelp has to have some mechanism to be sure it posts real opinion isil you can have whatever opinion you want but it has to be based on facts. charles: i am in the stock back to bear making a big mistake not making sure they do better. >> doesn't yelp stocks go up or down when they publish these things? charles: they are reluctant to put in those safeguards you talked about good >> hav. >> this is a great man in a dear friend of mine. charles: i guarantee if they do it, the stock will go up. the obama administration finally calls it a war against isis.

we're talking about the fight against terrorism next. how much money do you have in your pocket right now? i have $40, $21. could something that small make an impact on something as big as your retirement? i don't think so. well if you start putting that towards your retirement every week and let it grow over time, for twenty to thirty years, that retirement challenge might not seem so big after all. ♪

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charles: get a check of the big board, dow jones does joe average up 17 points right now.

your national average $3.39, gas prices have fallen 65 of the last 80 days and right now no bottom insight just yet. the latest on the isis situation, surgery estate john kerry in paris trying to build a coalition. he said we are at war with isis. chief of staff echoing that sentiment. listen to this. >> been very clear from the start this is a very serious business. you heard him say that on friday. as much as we have been at war with al qaeda since the first day we got into this office we are in a similar fashion at war with isil. charles: this is when the change of terminology comes out of a video showing the beheading of a british aid worker. joining us now, "new york times" best-selling author with his new

book is out today. professor, let's start with isis, the situation there. how are you feeling about our new approach to this and what should we expect? >> it is not a new approach. the u.s. is emulating everything israel did in relation to hamas. charles: america's new approach. >> just like israel's approach. the great comedy strike, don't compromise, these are people who kill children in their bed the way hamas does, build tunnels as i wrote about, build tunnels to kill children in kindergarten. there is no negotiating with this kind of terrorism and people who want peace o to subse democracy. charles: israel has gone at it alone.

the nation they have cobbled together a coalition, see if estonia gets on board before we take serious action. there was an abc "wall street journal" poll, 50% of americans say we agree with what the president wants to do, 68% don't think it will agree. >> if germany is not on board, and if we have small contributions from saudi arabia, it is the united states taking the lead. we had to take the steps to destroy isis. isis poses enormous threat to all of civilization as does hamas. you shouldn't criticize israel for doing what the united states is doing with what every democracy would to prevent people from engaging. >> you made the peril between and hamas.

he suggested people who are willing twice out isys on the homeland should be criticizing israel for what they are doing in the territories or in gaza. the problem i see is it would increasingly be against us protecting our own homeland as well, with that be fair to say? >> absolutely. they asked the criminal court to indict president obama, congress and the secretary of defense providing israel with the iron dome necessary to prevent their civilians, they called that accessory to genocide. completely crazy on this. >> is it reluctance of president obama to take on the coalition where one cannot exist into the broader democratic party? >> democrats are in favor of president obama. democrats have a hard coalition.

right, center. each sides have their extremist. the president has moved in the right direction. he may be mortgaging iran thing we have to fight isis, forget about iran's nuclear weapons because that would be the greatest threat. >> signing into a diplomatic route which mark speak of the world has made that impossible. charles: what is the ultimate endgame on this? what we say we would like to destroy, israel stops short of destroying hamas. >> that is because hamas was elected in gaza. >> how my more decades, centuries does this go on? >> this a fight between islamic extremists and democracies and we have to win this fight.

it was only a military solution to germany and japan. military solution is a first step. >> professor, thank you for coming. up next three days away from the vote on scottish independence. saying you guys should think very carefully of raking away from the uk. we will discuss all the implications. that is next. guys! you're not gonna believe this!

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charles: shares moving lower. nissan ready to cut with morgan stanley. the stock is down 18%. time is money. global warming using satellite photos to reveal that an arctic ice is at a record level. scientists say it does not disprove the theory of global warming. president obama promising more

doctors and workers along with $88 million to fund relief efforts. electronic cigarettes in hollywood. they will be using anti-cigarette made by smokestack throughout the movie. queen elizabeth tells scots to think carefully about independence. she is basically telling them to vote no. >> think carefully. charles: a lot of people do not understand what this is really about. >> the scots, many of whom have been in favor of independence for a long time break away. it will do, obviously, a moral damage to the uk. they will talk about a lot of

economic reasons. a very oil-rich north sea. fundamentally, they just do not like being ruled by london. they would like to have their own self determination. i think we obviously have our own history. it comes down to scotland being a lot more socialist than the south. particularly, the conservative government in london. it will be even more left-wing than labor type of government. it probably will not do very well. charles: would it be enough to perpetuate a welfare state?

>> it is going to be bad for scotland. britain would not have a wimbledon champion anymore. [laughter] charles: the premier bookmaker will tell us the latest talk on whether scotland will vote on independence. more damage control for commissioner roger goodell after more players are badged after domestic abuse charges. take a look at this. stimulated blood splatter. what are they thinking? both of those stories are next. ♪

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you can do just that. with our visionary cloud infrastructure, global broadband network and custom communications solutions, your business is more reliable - secure - agile. and with responsive, dedicated support, we help you shine every day of the week. charles: rison is. to watch and internet tv service that lets subscribers pick only the channels they want to watch.

>> the head of verizon is saying the company is working on and internet -based tv for your mobile device and some early part of next year. this could be a good opportunity for you. hbo and time warner are considering the same thing. they would put a fee on it. right now if you have hbo go, you have to have cable tv. all of this is changing the landscape. it will be cheaper, more personalized tv for a lot of people. charles: thank you very much. trip advisor. take a look at that. down over 4%.

the "new york times" reporting that the publisher is planning to appeal directly to the board of amazon to figure out if there is a way out. another big deal for both sides. we discussed the possibility that ray rice will appeal his suspension. the league and the commissioner have a serious image problem. denise yong, now, you say that the brand is in serious trouble. >> yes. there are really three brands here that we are talking about. there is the nfl, roger goodell and ray rice. they are our sponsors really wanting to do business with them. it will come down to what

happened with roger goodell and ray rice. i think that he will really take the fall. ray rice, people have relationships with players and teams. right now, everyone seems to really be liking ray. i think roger is the one kind of stuck in the middle. charles: what do you make of that? our athletes lands so impervious to where they can get away with almost anything? >> i think so. these guys do some incredible things. as well as, we place fantasy football leagues.

we kind of think that they are bigger than life. there is a difference between ray rice and a man that is nothing terrible to his fiancée and now wife and him as an athlete. charles: so far, these brands have been awfully quiet. verizon, microsoft, ford, marriott, a whole bunch of big names that we all know. >> i think that, there is an is between what they should do and what they are going to do. they should take up the cause and really take advantage of this oppill be great for them to

take advantage of this opportunity. i think what is going to happen is they will sweep it under the rug. according to a survey that shows consumer loyalty -- these sponsors know that. value that. they really will not do anything as a result to this. charles: i did not know if you saw the commercial, take a look at this one. >> today people are saying, is it just me or does the new iphone look like a galaxy note to? charles: we saw the ad. care may hurt apple? the stock happens to be higher. the nasdaq is getting higher

today. >> things become more and more similar in terms of feature and design. it really comes down to the cool factor of these brands. innovative, new, kind of groundbreaking. i r a lirr i bet they are just copycat. i think that they really are, you know, hitting apple where it hurts. charles: i do not know either. i have one more for you. i think we probably saved the best for last. i want you to take a look at this sweatshirt. $129. they call it vintage. it looks like there are blood stains on it.

>> it is pretty big. you know, i think that what happens is brands like this trying to appeal to the millennial consumer, they feel that they need to do things that are a little bit edgy. sometimes they just go a little too far. i think, in this case, that is what happened. charles: just so the audience knows, urban outfitters has just issued an apology. we thank you. after the break, new numbers on american workers and why we are working longer and later than those losers in europe. we have all the numbers for you

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nicole: i am nicole petallides with your fox business brief. the s&p and nasdaq pulling back a bit. 16,999. the s&p 500 down for and the nasdaq down almost 50 points. apple up about half a percent. 102.25. they took record pre-orders for the iphone six and iphone six plus. it may go into october. walk-ins may get lucky. radioshack. up 14% today. cfo stepping down. the stock has been struggling. the company has been struggling. of $84,000. ♪

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charles: a lifetime of free golf if he resigns. not sure the president will take him up on it as much as he loves golf. there is a new study that shows 25% of americans have done some kind of work between the hours of 10:00 p.m. and 6:00 a.m. what is your take on this one? we work long hours, we work late hours. >> people struggle to get to those countries so they can earn their success. it is who is working the long hours? involuntary part-time weather or not they want to. the top half is able to get ahead. the bottom half is still in

recession. this is especially true for men in the bottom half. american men are less likely to be in the workforce today then the greek men that we actually see her. charles: this survey hide an awful lot of who is winning and losing in this survey. you do not work at 10:00 o'clock at night in the construction injury. >> it is much much less likely that people at the bottom half are starting their own businesses. grouping, landscaping, these things are way down. the bottom half is down by a third from where it would normally be. charles: it is so easy to start a business on the internet.

we had consultants, it cost so much money. fiber optics. you did not start a business on the internet with 10 grand and do nothing. >> a lot of education can do that. $1000 for your paperwork. access to the internet. charles: what do you make of this? i have a problem with this whole socially incorrect thing. you talk about working part-time for economic reasons. what is that all about? >> that is fine. a lot of people working part-time because they have children at home. it is part of america's freedom. charles: you can get a check.

i work part-time because i still qualify for a few of these government handouts. charles: i understand what you are saying. the evidence suggests that people are getting more handouts because they are more desperate. the president is not creating that. charles: free thought for everybody. you can bet there is something to be said about that. it is next. >> marijuana changes on its own. i will offer you a rattle snake or cobra. which one is more dangerous? ♪ [ male announcer ] what if a small company

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have been smoking, passing the marijuana in council when they made that decision. they have a poverty rate higher than the state of california. what they are doing is very simple. they are not hit with them at all. what a crazy, dumb thing to do. >> i agree with your point of view. it makes it harder for people to raise kids. when we look at the convict population in america, you see so many people. is there a better way? >> yes. absolutely. no one is in prison for a joint.

you cannot legalize drugs and things crime will go down. you have to want to feed that addiction. we have to look at profiling. one day, i would love to talk about what that looks like. understanding the police officers -- they question them and then search them. to the underserved community, if you know that you are being profiled and you are on probation and parole, what are

you doing with joints and gun and stuff in your car? that alone is great. the dan has not worked. charles: is there a plan b? >> we are working on an economic development plan right here in california. charles: i am sorry, buddy, we got you on too late. we will bring you back. you are one of our favorite guests. >> i appreciate that. thank you very much. charles: which way the money is going right now. how much action is he getting on

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to three days from now, independent. for three centuries, it has been part of the united kingdom. the latest polls say 54% favor -- with the few days. it is a real workers revolt. i say stand up against these government welfare utopias. ♪ it is not just the polls. staying with the uk. let's bring in rory scott.

how is it looking right now with the latest two independent scotland? >> throughout the whole campaign it has been, no has been the strong favorite one. to stay and line from another great scott. this is squeaky fun time. they are getting close. you can almost pick your cliché. quite a different picture. this is a huge market. the majority of that money, 60% of that money is for no. >> if i weighed your 5 pounds on no, what would i went back?

>> you get your state back plus 1 pound $0.25. charles: here is the thing, the no side seems to have all of the celebrities. the queen weighed in on this. what is your thought on that? >> they call in david beckham, you know it isn't close. vivienne westwood, the fashion designer, came out if today. i think the sensible move, the smart move, and everyone agrees, to stay together. 75% said all money, serious money hits the no.

the scots are really ripping themselves up. it is slightly. charles: you guys are known for your ancillary type of things. you guys can make a wager on just about anything. some other interesting angles to this. >> yes percentage is an interesting one. we draw the line in the sand at 47.5% over and under. i think though bet would be to go under at 47.5 per ounce. i think that there is money to

be had here. $0.82 above. you think back to québec in 1992-95. whether it will get that high, i am not sure. >> it would be a disaster for us. we have a couple of funny specials. famous black eyebrows. one hundred-one. [laughter] charles: i think we will leave it at that. really appreciate it. you guys are great. breaking news from the nfl. adrian peterson will return to the team. he will play sunday. they will play the saints.

peterson was suspended for yesterday's game. let's check out the big board. this has been an extraordinarily quiet market geared the s&p is down a little bit. the nasdaq has been getting creamed. we will take a look at the 10 year period it is getting close to 2.61%. it is off fractionally. the "wall street journal" says the parent of budweiser is seeking finance. if this deal goes through, it would control almost one third of the beer in the world. we have the cofounder later this hour. we talked about it many times. netflix and france.

not helping today. aly baba. wow. yahoo! owns about a quarter of the chinese amazon. nicole: new highs. do i need to say it again? it ultimately could end up being the largest ipo ever in the world. right now it is up one third of 1%. it has about a 23% stake in ali baba. the e-commerce giant coming in from china. it is up about 46%. it is good news. charles: absolutely. some doctors trying to get changes that obamacare brings. listen to what this man had to

say to the "wall street journal." >> we need to on change healthcare providers from the democracies that are strangling them. rather than with their computers. the doctor joins us right now. those are your words no one has really thought about it. we have been told that the computerization of medicine would actually be a good thing. it would be good for all. you are saying that this is a problem of obamacare. >> exactly. the doctor has to become almost like a court stenographer quickly entering data as he or she sees the patient. that can take away from the interaction of the patient. you are looking for all sorts of

verbal and non-verbal cues. your eyes should be direct hit on the patient. you should be watching them carefully. you cannot have any report with the patient if you are typing on a machine. they would cram up and they would not even talk. i took quick notes and then pays the computer record later. that is one thing. we have all of these mandates. we have to prove that we are using these as the government wants us to. there are other kind of objective. this theme is there's some sort of solution that could make it

when a patient is not in the hot little -- every time a new nurse comes on duty, he or she is not asking the same questions the parish church was asking. >> i think it is okay to have a record that is shared among people. also nurses and doctors can a letter. you should have that. ideally the electronic medical records should be shared. there is no communication. charles: a mitigated nightmare. i see your point on that. this is really disturbing. diabetic or art and prediabetes status right now.

what do you make of that? >> america has not been eating correctly for many years. people are eating a lot of junk carbohydrates like pretzels, potato chips, crackers. they think that it is fat-free. they think it is healthy. they are not exercising. we are trying to have a program where we are putting people on low calorie vegetarian diets. we need to educate the public. this is eating up a huge amount of healthcare costs. if we could just change a fraction of these people, we could save huge amounts of money. a little bit of an investment. taking time to learn about diet

and exercise. it goes back to the electronic records. you have no time to talk to your patient and counsel him or her. charles: i get you. we are eating ourselves to death as a nation. doctor, thank you. let's take a look at this map. california deep into its third year. the pictures really do tell the story. it is an astonishing picture. we want to bring in right now janice dean. janice, a hurricane is moving up the pacific coast. is that going to help at all? >> no. california, where we have the

worst exceptional drought, you will not get any relief. there is the drought monitor. over 80% of california need to get the moisture. over the next couple days, they are under siege advisory. 104 in riverside. ninety-four in l.a. no moisture from this tropical system. it is a category two storm. it was a category three. it will move into the southwest. california is not getting the moisture that they really need. the southwest, you will certainly get this. i just want to mention, charles, if i could, we have record

breaking rainfall in phoenix last night. >> of course some disturbing images from that as well. charles: here is the lineup for the rest of the hour. the obama administration finally admitting what we already knew. we are at war with isis. the result, a huge backlog in the courts. it is a political decision geared at the end of the day, it ends up costing you. immigration is not the only thing weighing down the president. it is all about the economy. say what you want about the new iphone geared they are already selling out. they are huge and they are

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seen her share of wall. new iphones of this friday. i the lines are huge. they have been selling out. there will be a huge long way. >> the first day of pre-order sales are record 4 million. that is not opening weekend. that is day one. that explains why the apple site is down. carriers back up all day. good numbers from apple. if you already placed your pre-order, you may not get it until sober. you do not want to go to the store on friday. at&t says the iphone six plus

is going out between november 9 and november 27 did zero my goodness. it explains everybody wants it. they do not have enough. they are keeping stock in store on friday. you could actually pick a six plus up in stores. charles: you have a chance of brick and mortar being appealing. charles: thanks a lot. you link your credit cards to an apple account. you can basically pay for anything you want. panera bread announces they will be one of the first companies to integrate apple paid. blaine hearst joins us now. >> it was actually fairly easy.

we first started talking to apple about it and resell it as an opportunity and we took advantage of it. charles: though, apple had this big controversy with the apple cloud and people feeling less safe with their personal information. charles: my credit card is pretty near and dear to me. >> of course. i think the way they have implemented the apple service here, that credit card number is stored anywhere. it is actually a one time use. your cards have not actually stored in any location. on top of that, you have to secure your dumb. you actually use and a half day.

we find it quite secure. we are quite comfortable. it does not mean people will not try to find ways around it geared i do not see a more secure is to my today and any other form of credit card usage. charles: who pays the extra cost? do you pay the cost? will it be passed on to the consumer? i am not sure i have read the same information you have read in the press. for us, the merchant, there is no difference in cost. certainly not at this time. there is no peace to the merchant. i am not sure how apple would pass it back along.

charles: thank you for taking out the time with us today, blaine. president obama delaying any decision on immigration until after the election. the result, a huge backlog in our court system. we will explain it and you will want to hear it. next. ♪ ♪

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charles: you are paying less at the pump. let's take a look at gas prices. right now $3.39 area did those prices have fallen for 55 of the last 80 days and there is no bottom insight. the let's bring in later 11 in chicago, how does this happen? >> you have to pin it on oil prices right now for consumption, demand has gone way down, oil traded 92.08 on friday. a big drop from $100. it has lost 12% from the june highs. charles: we all get excited when gas prices go down, more consumer spending, but is there a point we should start to worry about it? this seems to me like a yellow or a red flag. >> it is something to be concerned about. if they continue to drop and demand can continue to wayne, this is an issue for the

economy, something to worry about but i don't think that is going to happen as you and i have talked about earlier. we will either pull back on the production. the production is the best or the highest production we have had since 1986, so that gives you idea of how is the production and offsetting the demand. that is something to keep an eye on. it is really not in their best interest to make that happen. charles: in the meantime, our audience enjoys it. thanks a lot, larry. legal immigrants flying across the backlog with the early 400,000 cases, that is 22% increase of backlogs from a year ago. richard, what is behind it? 400,000 cases, what is behind it?

>> it is worse than you actually think because this has gone from 186,000 cases in 2008 all the way up to 410,000 cases at this point. what is behind it is plain and simple. it allowed over 800,000 unaccompanied minors in the united states wil have de facto amnesty is the driving force that has induced illegal aliens to come across this country in large numbers. looking at 30,000 unaccompanied last year, 70,000 this year. the average before 2012 was 6700. charles: what happens then? we know this will be a major issue after the midterm elections. you spoke of executive fiat. they will be more executive action afterward. does that make this problem even worse? >> the big issue is it will be worse because no emphasis to do anything about it because the president has already indicated

he is going to take more executive action, which i might add he doesn't have any basis trip taken the first executive action. they have deposited 30,000 people in small towns of communities around this country. that is a direct tax by the obama administration on the spoils of towns now have to come up with a way to fund the education and support services and social services for these unaccompanied minors. charles: i guess this is sort of interesting in the sense you have to throw money at it to get more judges, to get the legal system to unlock the gears because a lot of people say this is done deliberately clogging the machine was done deliberately so there was a de facto amnesty for these people. >> i don't think there is any doubt it was done deliberately because it was the worst form of confidence we have seen. it was done to put pressure for, has immigration reform but at

the end of the day you can get a bipartisan bill through tomorrow that would send some judges down to the border and adjudicate these cases quickly and remove this backlog. that is where the investment needs to be. charles: after november, the next round of executive actions, could we be talking about half a million, 600,000 cases languishing in the system? >> you can't for the market good the market is an opportunity at freedom. when you induce and encourage illegal aliens to come to the greatest country on earth, they come in droves and what is happening is if president obama does some executive action to once again grant de facto amnesty, which he cannot do, by the way, you will see another tidal wave of immigrants coming across our border. charles: i don't blame anybody in the world for wanting to live in america. i wish we had a system to stand in line to do it.

we really appreciate it. >> thank you. >> the economy as one of the biggest issues heading into the november elections and according to the latest poll, the president's track record is hurting democrats in key battleground states. we have all the numbers for you next. you know what my business philosophy is, reynolds? no. not exactly. to attain success, one must project success.

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charles: here's what else we are keeping an eye on. let's start with isis, the white house now are calling it a war. >> calling something a war victory of state dialed back on that language, it is not a war, now it is a war. what they are referring to is they will not have combat boots on the ground, they will have special forces. still it doesn't show a lack of resolve if you don't call it war, you call it something else. they are trying to build a coalition, it looks like waffling, it looks like weakness to get into that sort of semantics, it is semantics. charles: there is a big

difference between a skirmish and whatever. i talked about it initially as sort of a police action, not the kind of actually think is going to go and crush these guys. >> you don't put uniformed police officers in the front line to take terrorists seek cap call it a police action. it is not a police action. we are going to go to war to take out these terrorists as they are a global threat. not just the united states, but other countries around the world. charles: where obamacare may be failing. >> decrease walmart health plan versus obamacare is health plan. i would say it doesn't take into the comparison may not take into account the high deductibles walmart employees have to pay and may not take into account the tax credits people can get in obamacare. but here's where the walmart plan does seem to be far

superior. it will be the cleveland clinic, all sorts of specialists, free diabetes screenings, free cervical cancer screenings, way more specialists, way more doctors, way more hospitals and much better quality of care than what the obamacare is about. >> what do you make of queen elizabeth taking a page from queen elizabeth? you better think. >> or else you are not going to get any respect. here is the thing, the queen has not officially spoken about scotland pushed independence as the queen has not officially spoken when scotland moved to devolve and get more powers for taxation. the queen put up a signal, this is not just off-the-cuff. the queen probably spoke about

it. charles: i wonder who will be more effective, the queen or david beckham. a big name you know, tesla shares moving. news from nissan. morgan stanley has convoluted things to say be at a buyout but not 320 as a target. down $23. and wall street and main street are both gearing up for the trade on friday. yahoo owns a quarter of the chinese amazon and those shares are slightly higher in otherwise miserable market. tonight on "making money" i will talk but other companies that would do better. and i am going to also talk about avoiding the investment mistakes at 6:00 p.m. but right now the latest raid on president obama's handling of the economy. 57% of midterm voters disapprove of the economic leadership.

steve, what do you say about the latest we have seen in this? >> this has been a consistent pattern for the last three or four years and americans are very displeased and antagonized by this economy. that is a surprising thing because this is supposed to be the fifth year of a recovery, but i think one of the reasons you have half of americans is that they don't like the direction of the economy is because income is down for most americans and if the income is down, they are not feeling very good of the economic and financial situation. charles: so we understand that, and yet the president every time they speak with it is a jobs report, before one of these press conferences, you can see him trying to gain a little bit of traction to the press corps, asked me about the economy, but does he really want to go there? >> there are a lot of a lot of positive statistics on the economy.

they are little bit more downward than they should be on the direction of the economy but the problem has been as w good talked about so much on this show from the top 10, 50% it has been a good economy. for the middle and the bottom, not so much so be it those are the ones concerned about the direction of the economy and those are the ones who voted for barack obama. minorities, single women and young people getting hit by this economy. it is very simple, the american worker has not gotten a pay raise in six years. charles: a lot of that goes to the tax policy. listen, the rankings all the time, there is a new one ranking america 32nd in tax competitiveness out of 34 countries that were ranked. 32nd. >> what can you say, you wonder why companies are leaving the united states. policy does matter. when we are ranked behind countries like sweden and canada in terms of our tax competitiveness.

the regulatory environment is unfriendly to businesses in the united states. we better get this shaped up or we will not have any more fortune 500 companies to call home anymore. charles: it is interesting, steve, one thing with the big companies and emerging debate and if it is patriotic or not but we see on the other end of the spectrum entrepreneurship is so low, they usually roll the dice recession after recession, save a little bit of money, i will give it a shot but they are not going at this time. >> and businesses are not expanding and small businesses are not starting, you don't to the job growth you would expect. that is a primary exhalation for why we are disappointed with these reports. charles: steve, thank you a lot, i really do appreciate it. apple iphone 6 selling out.

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nicole: i am nicole petallides with your fox business brief. help from travelers and pfizer, but you are seeing the s&p 500 down a quarter of 1%, the nasdaq down a full percentage point while it gained 11 points. jetblue may slow the biggest falls into years. the stock is down 7% after being downgraded down this stock to an underperformance noted $0.84 isil social media stocks under pressure, they have been running up for the most part, today down arrows, yelp down 6%, linkedin down almost 6%, facebook down three and a quarter percent. office depot leaving the new york stock exchange heading over to the nasdaq. in the late '80s it was a nasdaq stock, now going back to the nasdaq. we will have more coming up. bus.

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charles: time now for "the real halftime report." joining us, keith fitzgerald. you think apple, the whole thing last night, the circumstances that it was a dud could spell disaster for the broader market. >> yes, i do, charles. a couple of things that strike me, you're talking but a product driven company, that says psychology to me.

talking about a phone that is a rerelease of something competitors have had since 2012, so what if they sell a couple million units, type only lasts a quarter or two. it did not really run, investors are not certain what to make of it. i certainly don't like what i saw. charles: this work in the stock is pulled back a major announcements so it has sort of done something different, breaking out to a double top up when the nasdaq is getting crushed today. chipotle just broke the moving average, the big tech names are getting annihilated except for apple. you can somehow as to go on further apple will trip up pretty badly. >> again, this is a quarter by quarter thing. if they don't have success of the product launch embolden something beyond the early adopter psychology, apple has very little to offer. the payments have been around 10 years, i've used my cell phone in japan to pay for groceries and i train tickets for 10 years be ed nobody has anythin reallye

anything with that. they risk being a kia or sony. charles: when they came out with the ipod there were already mp3 players or their foes phone they were already smart phones out there in the quickly dominated those market isil how much of a time do we have to figure out how much lightning will strike again in those cases? >> you will know very quickly. the initial numbers are great, the back orders are great, but how much does it take to move the needle the side of the company like apple? 47% of the nasdaq tech holdings as you point out are still trapped in bear markets. the phone really isn't the big deal everybody thinks it is if you step back and take a look beyond the hype. charles: give me a percentage of what an overall correction may look like for the market now. >> i would like to see 5-8% here. a lot of that will be driven by

alibaba. charles: i think that is what we are seeing with the highflying names, i should know, i am in a few of them getting scorched. thanks a lot, buddy. let's check out shares of anheuser-busch, up $3.48. "wall street journal" reports there are talks of things to buy rival, it would be a gargantuan deal be had consequently a lot of names are up $5.27. that is an all-time high. luckily i am in that. the cofounder and author of the craft beer revolution. talk to us about the idea if this deal goes through, you talk about regulatory regulator sebi looking the other way, but let's say it goes through, what does that mean for the beer industry? >> it is a big problem for the

global brewers, for people competing with heineken, and if miller-coors got cut loose, they would be competing with abi, which would be very difficult. for craft brewers, we are growing double-digit five years in a row at a very good pace. it doesn't really matter to us what happens with the giants. you could even see the bigger they get, the better it is for us. charles: is that because consumers are saying that is a rejection of the whole notion they are too big, too corporate and the craft beer in addition to the taste? there is something a little bit more grassroots about it. >> that is part of it. craft beer is sort of a side joke to this international brewing game, and we sort of

like it that way because if they are playing around with these megadeals, they are paying less attention to us and we are growing very rapidly. we cannot compare the volume to the big guys. like 320 million barrels. the whole craft segment is 20 million barrels. we are growing. charles: the big names have been done for five years now. >> in the u.s. the big brands are losing and craft brands are winning? after the break, why president obama should sign off on the keystone pipeline today. we will explain. and new start. your chance to rise and shine. with centurylink as your trusted technology partner,

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charles: clogged railroad to make a key case for the pipeline. jeff is here to explain. jeff: charles, who would have guessed the nation's farmers would have the dog in the fight in the keystone pipeline, but they do. i am in a been field in illinois, it will be the biggest harvest of beans and corn that the nation has ever seen and

there is a good possibility a lot of them will not make it to market because so many train cars are involved in the moving of the oil from the shale fields of the dakotas that there is not enough train cars to move the harvest. take a look at the oil production now coming out of the dakotas isil we've never sold a house before.

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they are keeping the impoverished individuals in poverty. they are not helping them at all. charles: free medical marijuana. here is your take on the rest of the show. mary jo has this to say about americans. with all the advances in technology, hour workweek has not diminished. coral way thin on a sort of punishment that he would like to see with ray rice. the nfl should draft additional for this and other crimes that these players commit. that is all for me. right now, deirdre bolton. deirdre: thank you very much. chinese e-commerce giant ali

baba may go public as the world's largest ever. the price is moving higher as we speak. the latest estimates coming your way. expanding aggressively in the u.s. and in europe. giving your boys voice room on the issue of internet speed. it is the last day to weigh in on whether the internet should weigh in at once. for all companies or if it should be divided into a fast or a slow lane. they started it's going public process