months. >> look at that 1.9 power percent. we've got a busy next hour coming up. "the willis report" with ashley is next. >> hi everybody i'm ashley webster. is it possible to get credit card companies to lower your interest rates and drop your fees? yes, it is. it's one of the big stories following on the show coming up. meanwhile eric holder he's quitting. yes, he is. he's quitting. these adorable puppy ads, do they work? where consumers are our business it all starts right now. >> stocks taking the pluj today. the dow s&p falling 100 percent.

semi-leading stocks right over the cliff. the powerhouse stock is looking for its shine as investors following the outrage of the iphone and software issues. here to weigh in all this gare. the ceo of capital management. what a day, gare. is there one particular cause we can put behind this or was this a drop in the making? is this the correction i'm trying to say that has been predicted for the last three years. >> i think it's the market catching up a little bit to the small caps. the small caps has been. correct? the last few weeks. the larger caps finally gave in a little today. i know people were talking about apple, but it was pretty much broad-based. just remember a very important point we haven't had a 10 percent correction in two and a half years. we're overdue, but i would not be surprised even though we're not here yet. >> so, of course, we have these

joo political issues going on. they have been going on for a while. some traders talking about russia, talking about seizing foreign issues as perhaps one of the reasons or today to put the market over the top. what's your sense on these joo political issues and the impact on buying and selling on wall street. >> there is no doubt on a daily basis from isis to russia to everything else that has happened across the globe does have effect. but i think it's about the economies around the globe are slowing down. the markets are seeing that. i know we have a gdp number tomorrow it's looking good. i'm seeing numbers in china. i'm seeing numbers in europe. not very good. in fact some areas of europe are in recession. the only reason their stocks are up is becauseng money. we probably have some more to go on the downside. i don't think the world is going to end. it's just normal for the market

to give in a little bit. it wipes the smiles off the bull's faces. >> certainly a reminder not to be complacent. the small-time investors out thereit pretty easy to panic in these situations. what advice beufg to investors. >> long-term investors don't have to panic. no big deal. and, again, this stuff happens. my biggest worry though is that there's a lot of leverage and a lot of margin in the system. and that could make things a little bit worse. and i don't know if you noticed, but the junk market the high yield market that's been hit pretty hard. that's been whacked big time over the last week or two. i think we're following suit here. my expectations we'll see a little a little bit more. >> what's the economic data telling us. it's been telling us for some time perhaps we're slowly

gaining some traction two steps forward one step back. what does that mean in relation to the fed and the interest rates going up. >> i don't think we have a lot of great traction. this is all on the back of 0 percent interest rate around the globe. the printing of trillion trillions of dollars. if the market forces the issue, the economy can't stand on its own 2 feet. with our federal reserve backing on the print of money, i'm worried that will have a big effect. they have not let the economy be itself without all this easy money. the good news europe is still printing, japan is still printing. the easy money is still out there. >> we're out of time. gare, thanks so much for joining us today. we really appreciate it. >> my pleasure thank you. >> okay. the man behind the biggest scandals resigns. eric holder will be stepping

down after six years. fox correspond joins us now with the very latest. charlie, thanks for being here. >> not a huge surprise he's resigning. >> no this has been rumored for at least a year. he obviously wanted out of the job. you know, we reported as much. the question is who will be his replacement. there's a sweepstakes going on. >> who's leading. >> i don't know. i can only guess. mr. about a rille. very, you know, good potential. good choice. he obviously won a huge case with the president. his signature legislative achievement was obamacare he won it before the supreme court. that's a possibility. camilla harris. very attractive woman. i don't mean just her looks. the president said something about her once. i don't want to get in trouble -- i don't mean it like

that. she is attractive, but she's attractive from other ways. she's a fairly successful liberal ideological progressive attorney general from california. that's another possibility. do you haval patrick. again he's very attractive. he's the massachusetts governor. >> justice department experience. >> and handling the boston bombers case. he's kind of taken himself out. again very attractive. why is that? he's the us attorney for the southern district. the leading law enforcement office in the country. he's been angling for this job according to people in washington for years. he's been taking high profile cases. he's got a lot of publicity on it. including high trading. you know, it's kind of interesting. people keep saying why haven't you put any wall street guys in jail? they haven't put anybody in jail for the wall street crisis. they put them in jail for the

insider trading. you know, there is some political stuff with freed and holder. eric holder and freed don't like each other. >> does that impact -- >> you know, i said, does eric holder have a big say here. and he says he thinks he does. who knows. it's the president's choice. there's us attorney's office in the country. and the new york one is very important. that is the premiere of law enforcement office. so the president picked that. he actually works for holder. >> but does he have that bc connection. >> now, here's what's interesting. if you think about politically a little bit. chuck schumer and precede are very close. precede was chuck schumer's general counsel -- when chuck schumer led those scandals to the bush administration. you know, not much came out of it, but a lot of publicity came

out of it. and chuck schumer and freed are very, very close. >> but we'll see it's going to be interesting. there's a lot of choices out there. for all i know it could be someone i didn't mention. >> that's what makes it interesting. so, as far as mr. holder's legacy, had a lot of critics. >> i could speak largely to his legacy on wall street, dealing with the holder doj, they're relentless like the mafia. that's not exactly a positive spin on that. you know, he's a very political guy, as you know. you know he hasn't looked at the irs scandal. benghazi, who knows, fast and furious. yeah, gunrunning stuff. went on with mexico. you know, buck he did a good job for obama, for the president.

he stole my line on cavuto, he was like president obama's lou can a bratsy. >> good line. we'll leave it there. >> he stole it. he steals my lines. >> charlie thanks very much. still a lot to come. including why does picked up the phone save you money. next more information coming out about the mass hack including identifying the malware involved what you need to know coming up right after the break.

>> new information maryndle from that massive home depot data breach. federal agents are reporting software used in the breach called months art seems to be designed by the home retailer. the former ceo and white house chief officer theresa payton. data research group. thank you both for joining. theresa let me begin with you. you say that all retailers should regularly employ someone to try and hack their system. is that done on a regular basis,

do you think? we know the government does it, but do retailers do that? >> well, if they don't they absolutely should. we do have companies that have white hack hackers to hack them. our recommendation is to retailer industry to move towards a once a month or once a quarter what we're seeing is companies doing it once a year and not looking at it for another year. and those white hack hackers can make a big difference in pointing out vulnerabilities. >> should we assume a breach is going to happen no matter how secure someone thinks their system is. >> you bring up an excellent point. i always say every piece of technology is hackable which means a breach is inevitable. but companies don't need to throw their hands up, there are some creative, different approaches they can take to protective themselves from

cybercriminals. >> with that in mind, michael what is the biggest mistakes you believe that the companies businesses make white hack hackers it comes to protecting customer's information. >> well, as you said earlier, everybody needs to expect that a breach is going to happen. and the key to it is having a data breach response in place. a recent study that we did with the upon the man institute dhaitd 73 percent of executives have a plan in place which is up about 12 percent from last year, and that's the best defense to have in place before an event occurs. >> michael, you know, it seems to me as a consumer, if your information is stolen, it seems like it's incumbent to prove, hey, i'm not the ones who bought these goods. i'm not the one responsible for this. what can consumers do if they can't prevent it, what should they do if they suspect someone

has stolen their information. >> well, the most important part as being prepared as an individual is if the organization that lost your data offers free identity theft protection services, they should take advantage of that so they can be alerted to something that is going on, in the case the average time of detection of a breach is about 4.6 months. so they also need to have a way of looking back so that their identity can be restored to preevent status. >> theresa, in the case of home depot there was reports they said they felt a little overwhelmed when it came to trying to protect their systems. i would imagine is that pretty much the case no matter what how big approximate the company it's very difficult to stop this information from being hacked. >> you know, every company and every organization that we talked to says the same thing, there's a war for talent. there's not enough cyber

engineers to go around so most companies do feel understaffed and that's where they've got to get creative and think differently. for example, right on the heels of this we're also talking about jimmy john's coming into this. every 30 days, make the credentials where -- expire and have new ones. you only have about 29 days until you're going to reset it again and you can lock the cyber criminals out. >> whether we're just focusing that they're happening more and more. why is that? are these systems so easily hacked that there are more hackers out there. >> well, the malware and the hackers make the headlines, but 80 percent of all the breaches we have and we service are due to employee negligence so security and privacy training that's job-specific on a regular basis is the most important

thing the organizations can do. >> very quickly michael how much of a threat is it of an inside job. >> insider threats are less than 10 percent of all causes, but what's happening now is that employees have that security and training to get ahead of it. >> thanks for joining us. really appreciate it. >> thank you. >> us bank is refunding $48 million to its customers. this is the result of r over improper building. over 400 can expect to receive some retribution. in addition, us bank will have to pay a 9 million-dollar fine to the cfb and treasury. us bank, by the way, is the sixth largest bank by assets. and coming up later in the show, what all the companies are doing now to make you pay your bills. the next, the question how do

you do that on the advice of getting a better rate on your credit card. turns out, all you have to do is ask. we'll be right back.

oh, i love pet day.

you guys are just two big softies. cut it out... look at these guys. oh, you... [laughter] ohhh! they just unlocked our channels for a week! ohhh...and... they just made it free. ahh...looks like it's xfinity free channel week! we've unlocked a collection of channels on tv and xfinity on demand, like encore, nick jr. and disney xd. totally free for a week! learn more at xfinity.com/freechannelweek. that's why i'm a cat guy. >> if you are looking to cut your credit card costs all you have to do is ask. a new survey finds that if you pick up your phone and call your credit card you are able to haggle your way out of fees and get lower interest rates. we're asking a credit expert. john, thanks for joining us.

there has to be some tips to this. let's begin with interest rates, the biggie. how do you go about getting your interest rate reduced? >> right. so the assumption is, and it's a logical assumption is that the interest rates of your credit card accounts are a product of only the information on your credit reports and credit scores which is largely true. what most schemers don't know is that the front line of these issuing banks have some wiggle room. so really it's a matter of picking up a phone call and letting them know, hey, i see what my interest rate is. i think i'm deserving of something more competitive. you'll be surprised how they're willing to adjust the interest rate. >> so really you're threatening them with ditching their business essentially does, and that would work. >> absolutely.

one of the most expensive things for a credit card issuer to do is acquire a customer and acquire a profitable customer. any inkling they have that you're willing to take your business elsewhere. people get many credit card offers daily in the mail. they know they're at risk. if they can drop your interest rate one or two interest rates to them to remain your loyalty, they're absolutely willing to do so. >> so how much of a movie in your credit store would they do this. do you have to have just a little improvement to get better rates. >> you would be surprised most of the front line customer folks do have some flexibility of ternltz including interest rates, the waiving of fees. you'd be surprised just how positive of a response you're going to get.

you're not going to to get your late fees waived every month, but as long as you're realistic with your expectations even though you'll have a positive outcome. >> let's talk about fees too. i guess we're talking about late fees. how receptive are the credit card companies if you have a good explanation to necessity gating those fees. how successful is that argument. >> you'd be surprised. extremely successful. late fees and also overlimit fees. if you go over the overlimit of your car they usually hit you with a 30-dollar overlimit fee. most consumers accept there is a fee and move on with their life. they don't pick up the phone and ask for a good will adjust adjustment to the philippine. most credit card issuers especially if you're a profitable customer, you use the card, it generates a slight fee

income. and you're not a problem to them, there absolutely willing to let go of one small fee in exchange for you maintaining -- in other words, for you to be a happy customer. >> are there some credit card caps that are more flexible than others. >> yeah. generally speaking, the credit card issuers that are targeting folks who are low risk, meaning folks that pay their bill on time, they use the cards, they generate a lot of interchange income and they're not a problemon a ongoing basis who already have competitive interest rates. those are the people they want to keep. that is the fight for quality kind of in the wake of this recession. consumers who have very poor credit and interest rates in the high twenties. they like to have them on the books. they're very profitable if they're paying their bills, but they're not going to to get some large-scale adjustment. >> fascinating.

just pick up the phone. >> it's a free phone call. >> exactly right. john, thanks so much for joining us. >> all right. thanks ashley. >> time now to look at what you're clicking on. a plunge in commercial aircraft. these orders fell more than 18 percent last month following a record of 22 and a half percent. airplane orders fell by more than 70 percent in august. apple is defending i was the against complaints at that time iphone six plus bends in your pocket. company says only nine customers out of the millions that have bought these phones have complained to them. they pass the durability tests. latest jet over southern france. the plane maker has already taken 3,000 orders for the single file neo,the new engine option uses less fuel. yeah, the drones are coming.

vhl says it's starting germany's first package delivery. the company says the packet -- 2.0 will begin daily flights on friday. nearly 3 pounds it can carry. those are the top stories right now on fox business. more airstrikes in syria. this time on oil spills over isis control. and order lenders getting the ability to disable your car remotely if you don't pay your bills. iis that a good idea? we'll get your reaction. blank blarng

new york state is jump-starting business with startup-ny. an unprecedented program that partners businesses with universities across the state. for better access to talent, cutting edge research, and state of the art facilities. and you pay no taxes for ten years. from biotech in brooklyn, to next gen energy in binghamton, to manufacturing in buffalo... startup-ny has new businesses popping up across the state. see how startup-ny can help your business grow at startup.ny.gov

iprise asked people a simple question: in retirement, will you outlive your money? uhhh. no, that can't happen. that's the thing, you don't know how long it has to last. everyone has retirement questions. so ameriprise created the exclusive.. confident retirement approach. now you and your ameripise advisor can get the real answers you need. well, knowing gives you confidence. start building your confident retirement today. no. not exactly. to attain success, one must project success. that's why we use fedex one rate. their flat rate shipping. exactly. it makes us look top-notch but we know it's affordable.

[ garage door opening ] [ sighs ] honey, haven't i asked you to please use the -- we don't have a reception entrance. [ male announcer ] ship a pak via fedex express saver® for as low as $7.50. ashley: u.s. and arab allies unleashing a new round of strikes on isis, aimed at

knocking out small oil refineries they use to fund their operations, pentagon said isis makes millions of dollars a day from the illicit oil trade, peter banner barnes with more. >> reporter: u.s. and allies are trying to tighten the screws on isis and its finances, the refineries hit the other day are part of the region's elaborate oil smuggling network, a major part of the isis financing machine, dubbed ic i is isis ine "financial times." some estimates put revenues as high as 6 million a day. >> that is a lot of money to fund an extremeist group to buy recruits and weapons, and support an extremeist

organization, there are reports that isis is worth a billion dollars, that is a lot of money if you are looking to did mischief. >> reporter: thoother sources include extortion, and kidnapping ransomes, and donations from wealthy jihadist supporters this project plans to be a mayor player in chokeing office is cash. it was launched this week by intelligence officials with experience in the area, the strategy will be to name and shame the businesses and customers and others who support the isis money machine. u.s. treasury, is trying to do that going afternoon individuals, anding or nations, that -- organizations that it says are involved in finances and facilitateing terrorist

activists in the area, they hit 12 of them yesterday. ashley: they are going after small oil refineries but why not the bigger ones? >ones? >> reporter: their are bigger fixed oil refineries, in syria, a pentagon official told our pentagon producer about this yesterday, and said that the goal is to leave fixed refineries largely in ta*bgt task but -- tact but destroy the facility, supply facilities, that i want to scare isis away but leave fixed refineries in good enough shape to be used against some day. assumeing that the united states does defeat isis. ashley: makes sense, peter barons in washington thank you. >> a business alert for you chrysler recalling 3 50,000 cars and suvs, to fix ignition switches, they could shut off

engines, recall 2008 jeep commander, grand cherokees, dodge chargers and magnums, no injurys have been reported so far. ashley: also today, debt collectors can stop you in your tracks, in some cases they can turn off your car if you are late on your payment, if you think that not a problem for me, i pay on time, just wait. this could be a slippery slope. mark is with the cato institute in washington, mark, let's begin right there, seems extreme, okay, someone does not make a payment, but then they have their car shut down, we don't know where this person is at the time the car is shut down, is that not a dangerous proposition? >> i think it is a real danger, let's start with unlike a mortgage it might take years to repossess, gets you out of the house, car, you become out one morning, it could begun.

-- it mit the plus is, that this going to maker auto lending cheaper, more widely available, the risk, will it happen on the highway or in a situation, so i think that and i think lenders will figure it out, a amount of reputation at risk, you don't' someone's car going off in middle of desert somewhere, they can't get back. i think they will have to work through this. what kind of notice do you give people? do you let them know in advance your carr will be turned off, if this technology will be used, i think this is a potential positive foric peding access to car -- ex peding access to cars, renting is not an obstacle to get a job, but if you don't have a car in a lot of the parts of

country is key. you have to do this in the right way, you have to manage the risk. ashley: we have been talking almost of day now, about people getting hacked, their information, but. as cars are more computerizeed this is remote control, is there not a fear that this could also could be a situation of hacking where someone can get into technology, and do whatever they want to do the car? >> that is a pluses and minuses of going into the computer rage, a rental car company will track you for miles, if you buy a car and have this technology put in your car if it is stolen you can turn it off, one of the pluss it will min muh minimize car theft. the other is someone hacks it and drives your car that way, there will be bumps on the road, and horror stories, i think at moment it looks like pros

outweigh the cons that could change, it is too early in the worst thing we could do is say no. and reject it we need to see how this works out, and make sureapprop kwrat-- safeguard are in place. ashley: 25% of auto loans last year were subprime, $within 45 45 45 $145 billion this year, you are exposeing yourself to this potential. is it unfair to put someone in a car they can't afford like a house. we know what happened there with that subprime housing, are we setting people up? >> there are similarities and differences, the difference is that to me we got a lot of people, in homeownership, told them it was a get rich quick scheme, they could do well, for many of those renting was a

viablea alternative, not everyoe has option of taking a bus or subway. if you are in rural america there is no public transportation. it is different, i don't see renting is an be o obstacle. i think there need to be safeguards. a lot of subprime mortgages, like chicago, it was a thousand days after person stopped paying, this is going to be a thousand minutes maybe or so, again, you know, on one hand it will encourage people to not default this is partly a question of are defaults driven by unwillingness or inability to pay, have to balance it get it right, we need to bewarey of problems, but -- be weary but not a parallel with the mortgage

crisis, we should not subsidize it. no fanni fannie mae for auto lo. ashley: mark thank you so much we appreciate it. >> now we' to know what you think, our question, should the repo man havel switch? log on to gerriwillis.com, and log on to right side of the screen. >> and here is what some of you are tweeting us about, jim said that is one way to get their attention t to pay their bills, good idea. yobut pauls disagrees that is wrong, and it is mixed on facebook, i have visions of abandoned clunkers clogging up streets and highways, in many cases you then can't get to work to make the money, thank you. >> viral videos blanket social media, do they get you to buy the product? next. >> federaltion loan program helping students pay for college, right?

wrong, they are helping colleges instead, we'll explain. here is your consumer gauge, and we'll be right back. when fixed income experts work with equity experts who work with regional experts that's when expertise happens. mfs. because there is no expertise without collaboration.

you know, if you play football foryou're gonna learn toid, deal with alot of pain. but it is nothing like the pain that shingles causes. man when i got shingles it was something awful. it was like being blindsided by some linebacker. you don't see it coming. boom! it was this painful rash of little blisters. red, ugly stuff.

lots of 'em. not a good deal. if you've had chicken pox, uh-huh, we all remember chicken pox. well that shingles virus is already inside of you. it ain't pretty when it comes out. now i'm not telling you this so that you'll feel sorry for me. i'm just here to tell you that one out of three people are gonna end up getting shingles. i was one of 'em. take it from a guy who's had his fair share of pain. you don't want to be tackled by shingles. so please go talk to your doctor or pharmacist. talk to your doctor or pharmacist about your risk. know that chasing performance and fewer choices in retirement. know that proper allocation could help increase returns so you can enjoy that second home sooner. know the right financial planning can help you save for college and retirement. know where you stand with pnc total insight. a new investing and banking experience with personalized guidance and online tools.

visit a branch, call or go online today. are we still on for tomorrow? tomorrow. tomorrow is full of promise. we can come back tomorrrow. and we promise to keep it that way. csx. how tomorrow moves. what a day. can't wait til tomorrow. ashley: the obama administration claims they are looking out for borrowers struggling in the crippleing student loan crisis but government is forgiveing 20 universities for loan detpraults but thdefaults,but the borrowero pay up, charlie kirk is joining us, how come the colleges get a free pass? >> what happened, that department of education, put out a press release or a new order that colleges that have been participateing in split services, kind of under handed

student loan predatory practices, federal government is not going after them with a penalty or a restriction. which really would have landed a death blow to the 20 colleges and universities, it, i it makeu think why are they giving them a free pass, i think that short answer this would have put these specific colleges out of business. it would not have been good politics for obama administration, and i don't think that deputy of education -- department of education wanted to explain they were responsible for putting 20 collegeing to reduce enrollment or out of business that creates a moral hazard moving forward. ashley: now if i am a college, perhaps i will not pullback on some of the questionable practices knowing that by there is someone else that i will get away with it, is more being done to stop that moral hazard?

>> what it does, it continues a wroebg ebroken system, and perps the cyclical cycle of cheap money, we're subsidizeing failure, kids don't graduate, we keep giving them money. other end, there are colleges that take tons of money in finish aid on back-end for administrative costs or help with programs they are doing, they are still participating in things that are shady, they should not do. is there any kind of accountability from the department of e education? >> is not. the deputy of education say -- department of education say they are there flamenco for studentsy are not.

>> what recourse to students have that are struggleing to repay thes? >> so right now, there is a lot of bills discussed, i am not in favor much blanket student loan forgiveness, analogy i use if your basement is flooding before you throw out the water stop the leak, what is causing the debt, this is caused by i believe an an expansive deputy that is putting cheap money in hands of students where they are making big financial decisions, they are not weighing the costs and benefits, are they going to study something that will resip kate in value. we need to redefine the way before we worry about student loan business, we need to deal with the problem before we deal

with forgiveness. that only puts a band-aid on an open head wound. ashley: we'll leave it there, thank you, charlie kirk. we appreciate it. >> absolutely. ashley: all right do you remember zac zac brown, he joins this sumer to talk about his crowd funding campaign to help him make potato salad, he sought $10, he ended up with $5 5,000, he is now using some of that money to hold a huge party in ohio, called potato stock. with beers, and bands, and to tateos. >> if yo you are on social medi, may have seen the commercial with the puppy. >> and they called puppy love ♪

oh, i guess they will never know ♪ how a young heart really feels ♪ 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. ♪ the smartest or nothing. the quietest or nothing. the sleekest... ...sexiest, ...baddest,

...safest, ...tightest, ...quickest, ...harshest... ...or nothing. at mercedes-benz, we do things one way or we don't do them at all. introducing the all-new c-class. the best or nothing. i've got a nice long life ahead. big plans. so when i found out medicare doesn't pay all my medical expenses, i looked at my options. then i got a medicare supplement insurance plan. [ male announcer ] if you're eligible for medicare, you may know it only covers about 80% of your part b medical expenses. the rest is up to you. call now and find out about an aarp medicare supplement insurance plan, insured by unitedhealthcare insurance company. like all standardized medicare supplement insurance plans, it helps pick up some of what medicare doesn't pay. and could save you in out-of-pocket medical costs.

to me, relationships matter. i've been with my doctor for 12 years. now i know i'll be able to stick with him. [ male announcer ] with these types of plans, you'll be able to visit any doctor or hospital that accepts medicare patients. plus, there are no networks, and virtually no referrals needed. so don't wait. call now and request this free decision guide to help you better understand medicare... and which aarp medicare supplement plan might be best for you. there's a wide range to choose from. we love to travel -- and there's so much more to see. so we found a plan that can travel with us. anywhere in the country. [ male announcer ] join the millions of people who have already enrolled in the only medicare supplement insurance plans endorsed by aarp, an organization serving the needs of people 50 and over for generations. remember, all medicare supplement insurance plans help cover what medicare doesn't pay. and could save you in out-of-pocket medical costs.

call now to request your free decision guide. and learn more about the kinds of plans that will be here for you now -- and down the road. i have a lifetime of experience. so i know how important that is. ashley: it seems more and more tv ads are going to dogs, a ad by anheuser-busch is going viral, tugging at viewer's heart strings. >> see you later, buddy. ♪

>> i'm sorry. i decided ition drive hom shoule last night, i stayed at dave's, i'm back. ashley: do these viral videos s mean more sales for the companies, bruce, very touching stuff. very effective. it is very effective. i guess bottom line february -- for anheuser-busch do they get bigger sales. >>, of course, they do, viral reproduct is astounding, last i saw over 13 million people have viewed this commercial on the internet. those are 13 million potential customers. ashley: so, okay. so the message here is, don't drink and drive, because the owner comes back to the dog who by the way was not fed, and was not let out to go to the bathroom overnight.

but the bottom line, people remember the cuteness of it, but do they remember the brand name? >> here, what budweiser did brilliant, a perfect alignment of truth in action, ordinarily, they would preach about don't drink and drive, they want you to drink, the message is, go ahead, drink, consume our products, but be careful what you do afterwards, the story with the dog is a poignant and heart warming way to hammer that home. ashley: i guess he is in his young 20s, he was being responsible. talking about the social media, power, the videos are shared among friends, does that give them merimportance? >> it does, a great points you just made. one thing to see a spot, on

television, or on internet when it interrupts what you do, but a friend of yours sends it to you, and said, ashley check this out you will love this or facebook, someone says this is aus am, you watch it -- awesome, you are watching it predisposed, you thinking i my friend loves this ad. ashley: does this change thinking of advertisers? anheuser-busch has been very good at this as we know with the super bowl ads and what have you, do other advertising anxietying try to find of next -- agencies try to find the next video will that viral. >> of course, 13 million people have viewed it on-line, nfl getting 14 million, voice does not get 14 million, average primetime spot gets 4.5 million that costs dollar 110,000, if they can produce work of this

caliber, viral rereduck it is a win. ashley: we'll see more dogs, and cute babies. and humor, humor is a great way it get a message across. >> you said it right, you know dogs, and babies, and horses and humor, but not just humor is is emotion, this told you a real truth, we know what it like to have that puppy grow up with it my dog marley sorry i wasn't here today, we feel it, tkw-lt, guilt, ples ire thepleasure you add med product. ashley: thank you, bruce great insight. >> thank you. ashley: and we'll be right back with answer to the question of the day, should the repo man have a kill switch? they're custom made trains.

you can't get any better than that. siemens trains are not your grandparent's technology. they're something that's gonna change the cities we live in today. i find it so fascinating how many people ride this and go to work every single day. i'm one of the lucky guys. i get to play with trains. people say, "wow, we still build that in the united states?" and we say, "yeah, we do!" no question about that. but your erectile dysfunction - that could be a question of blood flow. cialis tadalafil for daily use helps you be ready anytime the moment's right. you can be more confident in your ability to be ready. and the same cialis is the only daily ed tablet approved to treat ed and symptoms of bph, like needing to go frequently or urgently. tell your doctor about all your

medical conditions and medicines, and ask if your heart is healthy enough for sex. do not take cialis if you take nitrates for chest pain, as it may cause an unsafe drop in blood pressure. do not drink alcohol in excess. side effects may include headache, upset stomach, delayed backache or muscle ache. to avoid long term injury, get medical help right away for an erection lasting more than four hours. if you have any sudden decrease or loss in hearing or vision, or any allergic reactions like rash, hives, swelling of the lips, tongue or throat, or difficulty breathing or swallowing, stop taking cialis and get medical help right away. ask your doctor about cialis for daily use and a free 30-tablet trial.

ly dispm auto lenders to remotely disable someone's car. should the repo man have a kill switch. 36 percent said, yes, but 64 percent of you said no. finally a big day in the sports world. tonight marks the end of a pretty remarkable era. derek jeter takes the field for the last time. how much people were actually willing to spend to say goodbye to the captain. tickets are going for -- the cheapest ticket we found 250 bucks. the priciest, 16,000. and if tonight's game gets rained out. fans using secondary retailers being get the money back. according to the daily news the ticket brokers could lose 12 and a half million dollars. looks like the game could go

ahead. just lightly range in new york. that's tonight i'm ashley webster. making money with charles payne coming up next. >> the terrorist network planning an attack in paris in the united states. senior officials says no one in and iraqi officials never raised the issue with the united states. us officials it is they're following up with the iraq ease. meanwhile, fbi investor says 12 americans are fighting with iraq and syrian. more than 100 americans have attempted to travel to syria.