the question, will it continue tomorrow? liz: we'll continue tomorrow. we'll be right back here to see what's happening with your money. come on, you can't miss it. david: it will be exciting day. we hope you join us. meanwhile "the willis report" is next gerri: hello, everybody, i'm gerri willis. welcome to the "willis report." a big day with lots of to chew through and the first story, the dow closing up 420 points. the biggest rally in three years and the largest two-day point gain in six years. new fallout from the sony hack attack, and its decision to cancel "the interview," that movie, over threats of terror. pulling another satire flick and obama normalizing relations with cuba. is this throwing a lifeline to cuba's dictators? we have steve moore. jonathan hoenig, founding member

of the capitalist pig hedge fund and fox news contributor. guy benson, political editor for townhall.com. jonathan i will start with you, i called my husband said let's cash out. this is two wonderful days in the stock market. can this continue and is this all about janet yellen playing santa claus? >> that is no doubt some element of it, gerri, but the fact is that the bull market rolls on. we're just a couple of hundred points off the all-time high for the dow jones industrial average. despite all the concerns, not just here in the u.s. but over the entire world economic landscape, the u.s. in particularly, large cap u.s. companies, still look quite attractive, especially compared to almost anywhere else in the world, from latin america, to the middle east, to europe. the u.s. still is tops in most investors book. gerri: i think that's true. steve moore, to you, i know you don't pick stocks but boy, you have got to look at those numbers and think, wow, this is

awesome. are you concerned though that the fed is going too far here? they're being too willing to bankroll this economy, to bankroll what is huge rally in these markets? >> well you know, gerri, if you look over the last few months, the worry always has been this easy money and, you know, virtually zero interest rate policy by the fed would eventually lead to higher prices but i'm looking over the last three months and we're seeing virtually zero inflation over the last, several months and over the last year or so it is running less than 2%. so i'm not one of these people that thinks we have to tighten up money because inflation is out of control. i just don't see it. what i do see is this. i see a roaring stock market. i see interest rates as low as they have been in 40 years. and i see no inflation. what is not to like about that picture, gerri? gerri: i understand what you're saying, steve. jonathan to you. are you as sanguine what the fed is doing here? do you think they're out of

control? >> one of the things that worries me the most, gerri, are rising yields on particularly high yield and credit instruments. what does this mean? means some of the risky bets made in the last couple years like leveraged loans, like junk bond are starting to seem a little bit more risky to the marketplace. i think you could make the argument, that along with russia's major spike in interest rates could be the canary in the coal mine if you will for exactly what steve is talking about, a blowup in what is highly manipulated credit market literally for years. >> but you know -- gerri: we'll go on to different topic if we could to sony. boy, this has been an amazing story. just this week we had someone on the show that sony is at the brink of disaster because of what happened to that company. release of all of this information, the hacking that is simply destroyed any pretense of security at that company. guy, i will start with you, newt gingrich, at thissingly saying that the u.s. has lost the cyber war. do you agree? >> yeah.

this is as close to a total victory for the terrorists basically that you can possibly imagine. obviously there is a sony component to this but i'm much more concerned about the broader picture. about free expression and free speech. i was thinking about this yesterday and came to this disturbing realization that without exaggerating we have the most reviled dictator in the world that just successfully issued a veto over the comedy consumption choices of supposedly free people. gerri: it is satire for the love of god. steve, what do you make of this? do you agree? a lot of people are saying to me, gerri, that movie is silly. doesn't matter it is not getting shown. how do you view it? >> i feel we're kowtowing to terrorist networks this is tragedy for freedom and i think when you kind of, when you have your commerce adapted to what terrorists might do, that is a victory for the terrorists. so i agree that with guy, this

is a black day. >> gerri, this is essentially the u.s.'s version of the danish mohammed cartoon controversy a couple years back. >> yes. >> to the u.s., to guy's point, this is the u.s. being stifled, individual americans companies speech being stifled because of a potential threat. this would be an opportunity for the u.s. government to stand up and say, no we'll not have our citizens or their property, intellectual property, threatened by these dictators. >> one issue here was whether these theaters were even going to show this movie. every movie theater has obviously the right to show a movie or not. there was a real concern that, regardless of what sony decided, it just wouldn't be aired in theaters. >> all right. move on to one other topic here and that's cuba. lots of debate today. look, guy, i will start with you, your reaction to what the president did, good idea, bad idea? what is the impact ultimately on

cuba? >> i'm not a cuba expert so i won't play one on tv as informed citizen and i read a lot of stuff about this and i have found compelling arguments on both sides of the policy question on the embargo itself and whether that is a successful policy look i take people like marco rubio and other dissidents i put a lot of stock in their strong heart-felt opposition to this. if you look in general how has this really helped us? that being said the way this deal came about it looks like we're just handing a victory to the castros in exchange for what exactly? what are they really giving up in terms of concessions. >> good point. steve what do you say to that question? >> agree with guy. i'm a free trader. normally i want to trade. when guy was talking about one of the worst tyrants on the globe, i thought he was talking about the cast stress because they have been pretty awful too. gerri: that's true. >> here is the interesting thing. a lot of people say look, we'll trade with, obama wants to trade

with cuba and we'll open up and that will lead to more freedom and liberty. this is not a president who is in favor of free trade. my goodness he has three free-trade agreements he is not pushing with countries not run by tyrants. gerri: jonathan, to you, i look at this whole story i see the u.s. is not playing a strong hand either with north korea or with cuba. we're getting nothing out of cuba in exchange what we are giving them. no agreement there will be more freedom or democracy there and north korea is calling shots what you will see on a saturday night. how come we have no power here? >> it is almost as if purposefully every day, gerri, the administration does it can to make us look as weak as possible. cuba example is just a great example. even if the administration wanted to move toward more normal relations with cuba, did we have to do it by apologizing? did we have to do it to by offering help cuban people and setting up embassy? we should have demanded world

war ii, uss missouri apology. offered, promise that there won't be any aggression. gerri: at very least. >> but we appeased once again. >> decline is a choice. and what we're seeing especially as it pertains to this movie situation, culturally, not just the government, companies and individuals citizens decline as a choice. i really fear we're making that choice. gerri: people are telling me why would you defend this movie? it's a terrible movie. reality when you're talking about first amendment freedoms you always end up defending people like larry flynt, right? that is way it goes, right are steve moore. >> or like -- guy who made the mohammed cartoon that sparked supposedly sparked benghazi raids. you have to protect all speech. >> you have to be able to lampoon people. and it is a tragedy that you know, you can make fun of anybody in the country today except you make fun of muslims in the north koreans. gerri: no since of humor.

steve, jonathan, gus, thanks for coming on, guys. great to talk to you and merry what you think. here is our question tonight. did the u.s. get beaten by north korea? log on to gerriwillis.com. vote on the right-hand side of the screen. i will show the results at the end of tonight's show. your voice is important to us. that's why during the show facebook me or tweet me @gerriwillisfbn. go the website, gerriwillis.com and e-mail me. at the bottom i will reed your emails and tweets. could classic cars for cheap flood the marketplace? what the embargo lifting means for cubans and the auto lovers. stay tuned. (trader vo) i search.

i research. i dig. and dig some more. because, for me, the challenge of the search... is almost as exciting as the thrill of the find. (announcer) at scottrade, we share your passion for trading. that's why we rebuilt scottrade elite from the ground up - including a proprietary momentum indicator that makes researching sectors and industries even easier. because at scottrade, our passion is to power yours. you don't need to think about the energy that makes our lives possible. because we do. we're exxonmobil and powering the world responsibly is our job. because boiling an egg...

isn't as simple as just boiling an egg. life takes energy. energy lives here. 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. >> with potential normal sakes of relations with cuba you can't help but think of the vintage cars. what is the future of these cars? joining me automotive journalist

brenda pretty. welcome to the show. i understand you've been it cuba twice. you've seen these cars. what is on the road? describe it to us. >> oh, cuba is an amazing place. there are over 60,000 pre1960 american cars on the road and it is, it face nominal. gerri: so, my question is, how are they operating these things because, look, i don't think they have a lot of parts and service over there, right? >> exactly. they have had these cars for over 50 years. they're well-weathered and they can't get parts from the u.s. and so many of the parts they make themselves. they're fabricated in their garages. they make do with what they have. if they need a bigger car, they will extend the car. if they want a convertible they will chop off the tops. but they do what they need to do to keep the cars running. gerri: that is amazing. do you think there is a lot of value in those cars over there? >> no, definitely not. the majority of cars are very,

very well-worn and very well-weathered. you might see a 1957 chevy but might be powered by an old japanese diesel inbegin. you know, the paint might have, gosh, 10 or 15 coats of house paint on the car to prevent rust from the seawater and the air. so there is generally not a lot of value in the cars on the roads in cuba. gerri: so we're not going to make a market in these. what do you think is the possibility of u.s. automakers eventually being able to sell autos into that market? will that work? >> you know there is the possibility but you have to take into consideration that the average cuban citizen makes between 17 and maybe $20 a month. doctors recently got a raise by the government to $24 a month. so the majority of cuban citizens can't afford newer cars. there are new mercedes and audis, other luxury cars on the road.

there aren't too many and not too many people in cuba can afford those type of cars. gerri: only really if you know, we get into a situation where cuba really opens up its market, becomes more of a capitalist society, people get jobs, be successful old-fashioned way, work hard for it, right? have a capitalist economy that really thrives? >> exactly. i think only 10% of cubans actually drive and own cars. so, although there are many cars on road, very, very few people on the island actually own them. nor can they afford them or the up keep. gerri: i see special tv show out of this though. i think people would love to see those cars. brenda, thanks for coming on the show tonight. great to see you. >> thanks for having me. >> later in the show we put amazon's promise of one-hour shipping to the test. you want to see that. and next, by now you should know if you've been naughty or nice this year but we take a different approach by looking which housing markets made each

list. stay with us. ♪ thanks.

♪ [ male announcer ] fedex® has solutions to able global commerce that can help your company grow steadily and quickly.

great job. (mandarin) ♪ cut it out. >>see you tomorrow. ♪

gerri: unemployment rates, foreclosures, school rankings all of these things factor into how cities were ranked this holiday season by realtytrac. which markets are naughty, which are nice. we'll find that out. let's bring in cheryl casone. where do we want to live? >> just in time for the holidays, where you do want to live, don't want to live, right? realtytrac came up with the fascinating list, the way they

crunched data they looked at schools, crime, unemployment rates. start with the nice list. positive list, right. cary, north carolina, number one on the nice places to live. they have got unemployment of 4.4%. the foreclosure inventory incredibly low, .17% which is nothing frankly. they get an a for crime. a is good. f is bad. gerri: let me tell you, i'm from north carolina. cary has highest concentration of phds in the country because it is research triangle and lots of biotech there and lots of technology there so it is super wealthy. that has to be the best zip code in the country in my view. >> i think you're right. gerri: they agree with me. >> wanted to fill out texas names. i'm from texas. fairfax, virginia, was number two. david: nice place. >> pearland, texas, irvine, california made the list and frisco, texas. a lot of texas names were on

there. gerri: since you know a lot about texas, those towns in particular, are they suburbs of larger cities? tell me about that. >> yeah. frisco, richardson is dallas proper. that's where i'm from, believe it or not. college station would be only exception to the rule. that was number nine on the list. college station is where texas a&m is. this is college town and very affordable nice to live. gerri: no crime, okay. >> no crime and everything like that. if you look at the 20 out of the 55 that had a crime rate of a or above, many were in the south. gerri: go south. i'm all about that. >> there is naughty list though. gerri: i want to hear it. >> you want to hear the dark stuff? okay. milwaukee, wisconsin, number one. gerri: how is that possible? that doesn't sound right to me. >> one of the biggest problems is the county level of unemployment, 6.18%. that factored into realtytrac's numbers. also foreclosures activity,

1.13% is on the higher side. a lost crime. they have a d for crime in milwaukee, wisconsin. i know, i know. kind of a surprise. detroit came in as number two. gerri: no sure brize at all. lots of problems in detroit despite efforts by the city to rebuild itself. >> stockton. gerri: foreclosures. they still can't recover. and that is warning sign for a lot of people out there. if you're getting into marketplace overblown, overheated, too hot you could have downside for years and years to come. >> one thing i will say, they looked as far as where you want to live. investors looking to buy and using cash in particular, a lot of them will make bets on these kind of rough areas, if you will. then they hold on to them for two, three, four years. fix them up, use them as rentals. gerri: hope they turn around. >> hope they flip them. that is the list. gerri: interesting list. >> naughty or nice. paterson, new jersey was on the bad list. hartford, connecticut, that

surprised me. gerri: a few problems. it is not all connecticut christmas, believe me. >> i see what you mean. gerri: good to see you new york stock exchange you too, gerri. gerri: coming up the white house getting involved in education, yet again, this time creating a college rating system. we'll have reaction from established private sector college rating system. the princeton review. next with just a week to go until christmas, retailers pulling out all the stops, including amazon. promising a one-hour delivery, we'll put the retailer to the test. wait until you see what we found it. ♪ [ female announcer ] hands were made for talking.

feet...tiptoeing. better things than the pain, stiffness, and joint damage of moderate to severe rheumatoid arthritis. before you and your rheumatologist decide on a biologic, ask if xeljanz is right for you. xeljanz (tofacitinib) is a small pill, not an injection or infusion,

for adults with moderate to severe ra for whom methotrexate did not work well. xeljanz can relieve ra symptoms, and help stop further joint damage. xeljanz can lower your ability to fight infections, including tuberculosis. serious, sometimes fatal infections and cancers have happened in patients taking xeljanz. don't start xeljanz if you have any infection, unless ok with your doctor. tears in the stomach or intestines, low blood cell counts and higher liver tests and cholesterol levels have happened. your doctor should perform blood tests before you start and while taking xeljanz and routinely check certain liver tests. tell your doctor if you have been to a region where fungal infections are common, and if you have had tb, hepatitis b or c, or are prone to infections. tell your doctor about all the medicines you take. one pill, twice daily, xeljanz can reduce ra pain and help stop further joint damage, even without methotrexate. ask about xeljanz.

♪ ♪ gerri: well, get ready because it's going to be a big door-busting weekend at the retail stores and the malls. there are just six shopping days left before christmas. are you ready? retailers are pulling out all

the stops to get your last dollar. that means great news for consumers, everything from free and fast delivery to steep discounts on popular items. with us now retail expert andrea war lock. great to have you. >> thanks for having me. gerri: i want to tell you the story of what we did with amazon. they're going to make deliveries in less than an hour here in new york city. he's what we did -- here's what we did, listen to in this. we started by downloading the prime now app, and we signed into our regular amazon account. you've got to be a prime member to do this. then there are some 25,000 items that are available right here in new york city at in this, in this hour time frame, believe it or not. it's amazing. you have to put a-in mum order in of $-- a minimum order of $15. we ordered a usb cable. the cost is $7.99, plus they want you to give a tip.

i frankly thought, i've got the tell you, we'd be waiting hours for this. i don't know if you've ever tried to walk across sixth avenue, but you can spend 20 minutes waiting for the light to change. we put our order in at 12:34. seven minutes later -- seven minutes later -- we had the item in our hot little hands, 12:41. you can see our producer there, jennifer, she grabbed it from the amazon delivery guy who was actually very pleasant. and i just have to tell you, the amazon folks are telling us they think that's their fastest delivery time on record. they don't think they've ever done any better hand that. we never told them that's what we were doing. it was a surprise when we called. but andrea, what do you say? >> that's incredibly. i think retailers, they know at the tail end of the season shoppers don't look at the value of price anymore, it's more about convenience. and so by offering this seven minute delivery, they definitely have a leg up, and they're going

to attract a lot of shoppers. and we're seeing other retailers offering not such a fast delivery, but in-store pick ups on the same day. target is allowing customers to place online orders up til 5 p.m., and they can pick it up that same day, on christmas 50e6. gerri: what is the attraction of that in-store pick up? i know a lot of people like it, but i don't understand why. >> it gives people the option of picking up the item in the same day, but they get to avoid the crowds, they get to save time instead of walking through the store and finding the item on the store shelf and waiting in line to purchase it. it gives them that option. plus some deals are, some online orders are cheaper than what you find in store, and there are online exclusives as well. gerri: so today is a free shipping day for a lot of retailers out there. we should mention that. so tell me what you make of this, because i've been thinking about all these trends coming together, because we have huge, huge markdowns, right? and we're seeing all this effort

by retailers to, you know, satisfy our slightest whim. you want it in an hour? we'll have a bike messenger deliver it to your house, right? >> right. gerri: is there sort of a golden era for retail shoppers? they're falling all over themselves to get our business. >> yeah. it's definitely a time when shoppers have the upper hand. they have a chance to negotiate, price matching. as long as you're savvy and you do your research, you can find better deals, you can request that from the retailers as well. and so definitely look out for big sales. today, like you mentioned, is free shipping day. not only are you getting free shipping, a lot of retailers like j.crew are offering deals on top of it, 30% off plus free shipping and guaranteed delivery by christmas eve. there are definitely a lot of deals to be had and super saturday coming up this weekend, another great day to shop in store. kmart is offering buy one, get one free, toys r us on barbies.

$50 off ipads at best buy, so the deals are there to be had. gerri: don't forget to compare prices. price grabber, i know, is an app you talk a lot about. go ahead, andrea. >> red laser's another one to use in store. i know a lot of people are probably going to do their shopping in store this weekend just to get those last minute gift, and using those apps will help you save money, coupon sherpa, so on sop of the sales you see -- on top of the sales in store, you can find extra deals, some of the coupons i noticed when i was doing a little research for your segment today, there are some big sales to be had. gerri: it's all about us, andrea. >> yeah. and then -- thanks for having me. gerri: great to see you. merry christmas. >> merry christmas. gerri: and from amazon's dlily service earning top marks, the obama administration set to release a plan -- listen to this -- to rank colleges as early as tomorrow.

but should the government be involved in rating colleges at all? joining us now, the senior vice president of publishing at the princeton review. he is the author of the book "the best 379 colleges." rob, welcome. my first question for you -- >> yes. gerri: -- don't you already do this? why is the government doing this? [laughter] >> we were thinking the same thing. we've been doing financially rating scores for nearly a thousand schools for a little over a decade. gerri: you guys have a lot of experience doing. you probably already know a thing or two. >> i think we do about issues of affordability and accountability. the idea of connecting the idea of career to college. i have a new book coming out in february called "colleges that pay you back" focused on 200 schools that do just that. gerri: i'm sorry, but as a consumer, i would be looking for somebody who doesn't have a vested interest in what they're advice is and just a lot of experience, because it's super complicated. why would i go to the government for this information? >> well, a couple of reasons.

the government is spotlighting those issues of affordability. college isn't getting any cheaper. the idea of accountability to students in schools, making sure they have good programs and they're getting jobs afterwards. i applaud that part. the thing about it, they're getting a lot of pushback from congress and schools as well. gerri: well, there's an obvious reason the schools are not happy -- >> yeah. gerri: and that's because the government wants to connect the information to ratings they have to the money they give out. so if you are not graduating enough students or getting enough of your students employed, they want to hold back some of these college loans they dole out. >> exactly. gerri: is that a bad thing? >> well, it could be if we're just focused on the outcome of starting salaries and earning potential. so let's take the example of a student that majors in computer science and a student that majors in education. a teacher might start -- pardon me -- at a lower starting salary. gerri: does this mean harvey mud gets all the money? >> when you think about it, engineering schools -- as you cite -- are going to do much

better, we're speculating, based on the things we've heard from the government. gerri: and it would seem to me if you're a school that already has a lot of money, you'll do good as well. >> they're probably going to do well in the new ratings, but when we start to think about making sure we're expanding a wide lens, there's nearly 7,000 schools, four-year plus two-years -- gerri: you saw what happened with obamacare. how in the world -- [laughter] how in the world are they going to rate schools and put it on a web site that you can use? they can't even -- they can't -- they have no ability to use technology. >> well, there is definitely, there is definitely an aggressive timeline. you're right, in the next couple days the sort of focus is going to come out of what's going to happen. then in september 2015 these ratings are going to hit, 2018, as you state, i'm sorry, financial aid is going to be tied to how well those schools do. gerri: is this a competitive threat to you? >> not really. i think because of the spotlight on the issue it will bring up the prince review, and others

have been doing things just like this, i think doing a credible job and continuing to focus on this area. i think the more information the better, i think we're doing a good job, and we're going to fox on making sure we continue. gerri: rob, thank you. merry christmas. >> merry christmas. gerri: and now we want to hear from you. sony has canceled the release of "the interview" and says it has no further release plans for the film. so was the u.s. just beaten by north korean? here's what some of you are posting on our facebook page about the poll question. mark writes: yes. we now find it suitable to censor. and on twitter mike answers: america did not, sony did. japanese company. andmy coal agrees: i thought we didn't negotiate with terrorists? come on, sony. rick says: if they release it and something bad happens, everyone would be saying, we it would you so. in addition to following me on twitter and facebook, be sure to like fox business on facebook. why can't they just a release the movie on the web?

i don't understand. here are some of your e-mails on a host of recent topics. donald from florida answered our question, do you pay your fair share in taxes? >> i pay more than i should. it's not fair. donald, good stuff. and robert from massachusetts has this to say on higher airline prices but lower fuel prices: maybe the airlines are taking too much advantage, but certainly they should be able to build up a reserve against future hard times. so it's not raw capitalism, suspicious though we may be. and here's richard from california: we're turning our kids upside down, they don't know what the hell to think because we're not teeching them the basics. they seem to think work is dirtier than the f-word. we lost this generation. things will get worse before they get better. hmm. talk to a millennial near you. send me an e-mail, go to jer orally willis.com. and when we come back, consumers and farmers are expected to be the big winners thanks to the changing trade in cuba.

we'll explain. and next, it's been called a car fax for investors. i'll be joined by the co-founder of a new product could guard vest. you'll want to see this, stay with us. ♪ ♪ ♪ you don't need to think about the energy that makes our lives possible. because we do. we're exxonmobil and powering the world responsibly is our job. because boiling an egg... isn't as simple as just boiling an egg. life takes energy. energy lives here.

hard it can be...how ...to breathe with copd? it can feel like this. copd includes chronic bronchitis and emphysema. spiriva is a once-daily inhaled... ...copd maintenance treatment... ...that helps open my airways for a full 24 hours. you know, spiriva helps me breathe easier. spiriva handihaler tiotropium bromide inhalation powder does not replace rescue inhalers for sudden symptoms. tell your doctor if you have kidney problems, glaucoma, trouble urinating, or an enlarged prostate. these may worsen with spiriva. discuss all medicines you take, even eye drops. stop taking spiriva and seek immediate medical help if your breathing suddenly worsens,

your throat or tongue swells,... you can get hives, vision changes or eye pain, or problems passing urine. other side effects include dry mouth and constipation. nothing can reverse copd. spiriva helps me breathe better. sfx: blowing sound. does breathing with copd... ...weigh you down? don't wait ask your doctor about spiriva handihaler. gerri: to help the millions of investos out there stay on top of their costs and their earnings, the income they're getting from their investments, a new online service is helping you make sure your financial adviser is worth what you're paying them. what a concept, right? joining me now, audi apple. thank you for coming in today. your proposition very interesting. tell me what you would do for somebody like me. if i wanted to see how well my broker or adviser is doing, what would i do? >> one way to think about guard vest is as you said, like carfax for an investment adviser. what we noticed from our

experience on wall street was the vast majority of investors didn't really know how they were actually doing, and they didn't even know what they were paying. gerri: i get a statement every month. how do i not know what i'm doing? >> because those statements are often 50, 60, 70 pages or more, and they have a lot of information. it's amazing, most of the time the investor gets a statement that doesn't have the rate of return on the portfolio -- gerri: so you're missing roi, the fees are unclear -- >> that's right. gerri: you might know what you're paying your adviser, but you don't know what you're paying on the funds. >> exactly. wall street has gotten so complex for investors, even advisers have a difficult time telling you what you're paying. the investors doesn't have a chance. gerri: how can you know that if the adviser doesn't know it? >> we can actually leverage that and do a lot of that heavy lifting for you. gerri: so take me, for example. i've got an adviser that i work with. what would i do, go to your web site and log into my -- how does it work? >> exactly. go to guardvest.com, and the

reason we created it is because there's nowhere you can go and get a thoughtful second opinion that's not trying to sell you something. we wanted a safe, secure, confidential place for investors to tell us where their investment account is, provide the credentials, link the account. we pull across all of their holdings, and in just a couple of minutes we tell hem how they're doing on -- tell them how they're doing on returns and how much they're really paying in total expenses. gerri: sounds like the holy grail to to me, but how do you make money off that for free? >> it's free for now. it's been up since the summer. we've been collecting user feedback, we're going to be transitioning to a subscription service early next year, but it's a great time to get on top of that new year's resolution, right? gerri: one of the biggest problems i find with the way money is run in this country for individuals like me, you know, regular consumers, there's so many fees. and you don't even kno what you're paying -- know what you're paying. ultimately, you're compromising your own future. here you are pouring money into your retirement, but it's being eaten by all these fees.

what do you tell people about that? >> this is the only thing i know of that people why and they don't -- buy and they don't know what they paid. they don't know what they're paying -- gerri: for a new car -- >> exactly. gerri: or what i pay the lawn service every month, but this needs to be changed. >> yeah. and the crazy thing now is these fees in the world we live in today, for the average investor fees are likely to consume 50-60% of your total return. now, that's just not -- gerri: you've got to be kidding me. >> no. it's true. gerri: 50-60%? what am i going to retire on? >> well, there's not much left at that point, and that's one of the impacts of the credit crisis and the world we're live anything today, and that's why it's so critical to get on top of what these expenses are. gerri: here's my worry, i'm giving you my most personal financial data. are you going to sell it to somebody? >> oh, absolutely not. again, our revenue model is a subscription model, and we use the highest level of bank-grade security to secure those

credentials for you. guard vest, not even the user themselves can transfer money using guard vest. it's just a read-only service and there to provide -- gerri: so how are you going to make money ultimately on this? are you going to also serve the industry itself? >> absolutely. because, you know, we've been asked often times, i mean, is wall street sort of against this idea? hey, this is the best thing that could possibly happen for good advisers, and because you you've got this independent third party service, so this is good news for advisers and, ultimately, this will be a platform to help investors find the good advisers. it's a key element. gerri: audi, it's a fascinating idea, and we appreciate your coming on. >> thanks for having me, gerri. gerri: time for a look at stories you're clicking on tonight on foxbusiness.com. fewer americans seeking unemployment benefits last week, a sign of growing confidence among employers. applications dropped 6,000 to 289,000, the lowest level since october. jobless claims have fallen

nearly 13% in the past year. mortgage rates are also falling as the 0-year loan -- 30-year loan rate hits a new low. that's the lowest level since last may. at the beginning of the year the rate stood at over $4.5%. the -- 4.5%. the ceo of kraft foods is retiring at the end of the month. he plans to stay on as a senior adviser through the end of march. the successor is chairman john cay hell. america is not running on dun kip. as the coffee chain says, it is expecting slower coffee sales in 2015. they originally said sales could rise as much as 4% next year, now it may be more like 1%. shares skidded around 7% on the news. and those are some of the hot stories on foxbusiness.com. still to come, my two cents more, and cigar lovers rejoice. those cubans you've been craving, well, they're no longer

off limits. how the new u.s./cuba rules apply to your favorite smokes, coming up. ♪ ♪ you used to sleep like a champ.

then boom... what happened? stress, fun, bad habits kids, now what? let's build a new, smarter bed using the dualair chambers to sense your movement, heartbeat, breathing. introducing the sleep number bed with sleepiq™ technology. it tracks your sleep and tells you how to adjust for a good, better and an awesome night. the difference? try adjusting up or down. you'll know cuz sleep iq™ tells you. give the gift of amazing sleep, only at a sleep number store. find our best buy rated c2 queen mattress with sleepiq. know better sleep with sleep number.

♪ ♪ gerri: the relationship with cuba is beginning to thaw after more than half a century, so what kind of economic impact will this have on businesses here at home? let's go to jeff flock who is talking to farmers in carroll stream, illinois. jeff? >> reporter: yeah, you know, i tell ya, a lot of people may be opposed to this, but a lot of people are in favor of it as well. paul johnson's one of those. a lot of business opportunity out there. paul, you run a company called chicago foods international. you already do a lot of business in cuba, right? >> i have been exporting, but

i've seen a sharp decline in sales since 2008, so this is a victory for the business community. >> reporter: let's put those numbers up if we can. you see the numbers have declined. you've still got an 'em bar ego. you think -- embargo. you think this is going to have an impact. >> absolutely. we can go to cuba more freely, banking institutions can come in, we can do business u.s. banks, and it levels the playing field so we can start competing with other companies. >> reporter: you are pretty invested in cuba, and i asked you to bring camilla out, your wife. you've been married for just a year? >> year and a half, right. >> reporter: camilla, give me a sense of the mood in your home country. >> yeah. well, everyone so excited, you know? the people are very happy about this great news. i have -- >> reporter: the cuban people want to have u.s. investment. >> will yeah, definitely, they want that. they have hopes. they were hugging each other,

kissing when they saw the obama speech. they're really excited about it. >> reporter: and on this side of the water, a lot of excitement too because u.s. businesses, take a look at what the big imports are now. everything from chicken, it's mainly agriculture, but that's going to open up to a lot of other opportunity. things like, for example, cruise lines, airports, air travel, hotels, right? >> reporter: absolutely. another one that we've been really interested in is farm equipment. that's desperately needed in cuba, so that's another opportunity. >> reporter: and some of these industries in the u.s., gerri, that could use a little bit of a boost, maybe they get one from a new trading partner potentially. gerri: jeff, thanks for that. appreciate your time tonight. >> reporter: thanks, gerri. gerri: and another group lining up over the thaw in u.s./cuban relationship, cigar lovers. cuban cigars are able to be imported into the u.s. under the new trade rules. with more on this, charles pass city of market watch. we started talking about this

almost immediately, because we were more interested in sort of the social impacts and what people would make of them. is this going to make a big difference, in your view? >> well, in the long run it may. in the short run, no, because basically we're only talking about you can bring in $100 worth of cigars from cuba -- gerri: $100 of cigars and maybe alcohol. >> so if you want to bring in havana rum, that may cut into your cigar total. but the real thing that's getting cigar smokers all aflame, pardon the pun, is that there's an expectation maybe this is the beginning of something much bigger, that we will have this open relationship, and we will finally get these cubans on the market instead of the black market version -- gerri: i have a theory about this, though. i think they're so prized and wanted because they're difficult to get. >> right, right. gerri: so my question is if they're ubiquitous and everybody can get them, will they want them? >> i think in the beginning, they will. there is no doubt that cubans

make some very goodie garres. what -- good cigars. nicaragua and dominican republic have basically caught up in quality, experts say. so the question now is when it becomes an open playing field, how will cuba compare? cigar officionados, when they've done their an ideal rankings, only three cuban cigars topped the top 25. gerri: you're seeing them beaten at their own game here. >> right. but there are, you know, cuba, there are some exemplary cigars. the monti christos, some of these when they come on the market, i think there will be demand for them. but it will be interesting how it plays out, certainly. gerri: so i couldn't care from cuban cigars, but i do like to smell them. i think they smell like heaven. >> right. gerri: if you're out there on the golf course and somebody lights up a big cigar, i think that's awesome. >> they're also dog-walking

cigars, they're the cigars you smoke for 20 minutes, and they serve a function, but i don't think the cubans will be that marketplace. gerri: i think we smoke something like 1 billion cigar -- 14 billion cigars every year? >> $14 billion in cigars every year. gerri: got it. will that grow? >> first of all, the 14 billion represents a lot of nonpremium city or garres. -- cigars. but the industry's hope is that people are going to get excited about cigars again. i mean, they were sort of excited 20 years ago, there was the big boom, but they're going to get excited again, and this will grow the premium category in general. people who have never tried a cigar before can finally try a cuban, and maybe maybe when they try a cuban, they'll try a dominican. i think some of that's wishful thinking, but it's still -- generally, this has been a good week for cigar lovers. gerri: there are a lot of happy people out there. charles, good to see you. we'll be right back with my two cents more and the answer to our question of the day. did the u.s., did the u.s. get

beaten by north korea this week? ♪ ♪ she's still the one for you. and cialis for daily use helps you be ready anytime the moment is right. cialis is also the only daily ed tablet approved to treat symptoms of bph, like needing to go frequently. 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. ♪ (holiday mhey! is playing) i guess we're going to need a new santa ♪(the music builds to a climax.) more people are coming to audi than ever before. see why now is the best time. audi will cover your first month's payment on select models at the season of audi sales event. visit audioffers.com today.

gerri: the unprecedented hack of sony pictures is being called perhaps the most damaging cyber attack ever inflicted on an american people. so has the u.s. just been beaten by north korea? we asked the question on gerriwillis.com. 88% of you said, yes; 12% said, no. with sure to log on -- be sure to log on every weekday. and amazon announcing today they will perform the impossible in new york, one-hour delivery of 25,000 items to prime customers. now, if you spent any time at all in new york, you know it can take an hour just getting across a block. so we were shocked when we tested the service and found it didn't take an hour or even 30 minutes to get our goods, it took seven minutes. all of which makes me wonder, is it a golden age for consumers? it may well be.

retailers are verying prices -- slashing prices, extending hours and generally doing everything they can think of to get our business. good news for consumers, that's my two cents more. and before we go, ford says it's expanding a recall for deadly driver-side airbag inflaters to the entire u.s. now, the move adds 447,000 vehicles to the list of those recall. as of now bmw and chrysler are the only two automakers that haven't agreed to national recalls. and we have one of those airbags on set with me right now. tomorrow -- take a look at it. tomorrow i'll be joined by the car coach, lauren fix, who will walk us through how they're supposed to work and how they've been malfunctioning, in many cases with deadly consequences. that's tomorrow on "the willis report".

and that's it for tonight's show. thanks for joining us. don't forget to dvr our show if you can't catch us live. "making money" with charles payne coming up next. have a great night. ♪ ♪ charles: i'm charles payne, and you're watching "making money." this market rally really amazing, it roared today. back to back gains, record gains. the dow up 421 points, the first 400-plus session in over three years. looks great going into 2015, and if you listened to the show, at the very least you didn't panic, and a lot of you are making a ton of money. let's go to nicole petallides on the floor of the new york stock exchange. nicole? >> reporter: charles, i don't think anybody expected a move as big as this one. 400 points? over 400 points for the dow jones industrial average. the two days combined, yesterday and today, marked the most -- over 700 points. that's the most we've seen in more than six years. all ten