every night to 6:00 p.m. eastern eastern. if you can't see the show, dvr it. lou dobbs is next, keep it on fox business. 2004 team started badly for everyone. for the working poor, things got worse as obamacare pitched them into part-time work. a series of policy disasters. the rise of isis. the slaughter of christians and the beheading of americans. virtually no response from president obama. we are closing the year for reason for hope. we have the hope that policy will change.

the extraordinary drop in the price of energy. every time you fill up the tank, you can smile because you are saving a lot of money. cheer up. we have a shell that is looking forward to all the promise that 2015 holds. ♪ the biggest financial story of the year. the drop. no no, no the collapse of oil and gas. >> this market has risen a lot from the close. once those political changes occur, i think you will see a much, much higher stock market.

charles: the dow has finally broken. the national average for a gallon of gasoline is $3.28. these price declines are starting together some momentum. >> the national average under $2.90. it will take some time to get there. stuart: there is another gas war in progress. competition has driven the price down to $1.98 in okay city. 2015 gas price forecasts. all right patrick. not many people are saying we will bounce right back again in 2015. >> i really think i will have to

hop on that bus and say 2015 will feature a yearly average that will be that $3, but under $3 a gallon. unlikely to be over $3 a gallon. >> that is not much of a forecast. come on. tell me. >> it is a book that we keep writing here. we continue to see oil prices collapsed. this is a book that is making it very difficult to forecast. the national average. a lot of what we are watching here does that have to do with supply and demand.

stuart: did you see the collapse in gas prices and oil prices? did you see it coming for 2014? >> certainly. i do not think that anyone would predict that gas prices nationally would be under $3 under $2 by christmas. a huge surprise. stuart: i want to bring charles into this discussion. the collapse in gas prices. i think it is a whopping great big stimulus over the whole economy. charles: why $30 isn't part of the economy? that is part of the economy. it is not going to have a major impact until wages go

>> given the money to the gas station. that is the economy. i do not know why we separate that from the so-called economy. that is the economy. stuart: patrick, are you still there? >> it is a huge saving. instead of shelling out $65-$75, you have folks out there with suvs and kids and families shelling out over $100. now they are looking at a gas bill of 20-$30 less every take.

charles: where ever you spend it is the economy. people have 20 bucks in their wallet and they will not spend it. stuart: that is good, too; isn't it? charles: good for them, not necessarily the economy. these people will not even spend the savings. they will spend even more money. stuart: i want to get back to patrick. you run it past buddy.com. you make a lot of money when prices are going up. do you make as much money when prices are collapsing? >> volatility is all right with us stuart. we give them the money that we save. i will do a roundabout here and say whatever we make goes right back to app development and

paying our folks higher wages like charles is talking about. stuart: you do say you put type tests into your car. what kind of a car is it? >> it is just a milestone. a mazda three. a mazda speed three, to be exact. stuart: we are pleased to your contribution to us throughout 2014. we really like your forecast for next year. thank you very much, indeed, sir. take a look at this. >> the maine republican party. they are kind of asleep at the wheel. >> you are exactly right. it will probably carry the republicans through next

tuesday. >> will it work? i think that it will. they are opposed to higher taxes. they oppose obamacare. stuart: do you think that extraordinary result last night was a result of barack obama? >> the president was right. he said three weeks ago that his policies would be on the ballot. he could go three ways. he can go get rid of some really nasty aspects of dodd-frank. if he does that, he will put hillary clinton in the white house. you know what, i do not think the market will do very well. >> this is not an endorsement of the republican party.

there is not an inclusive progrowth republican agenda that people can like themselves upon. stuart: thank you. take that back, immediately. do you think that we can see the republicans reversed in the area? >> i do not think so. president obama is clearly going to pull. wil vonythg - stua: ve evethinacro the board? change obamacare.

he cannot veto everything can he? >> i think he will veto as much as he possibly can. i think that there is a substantial part that says the democrats need to be more confrontational and more populist. that means we will get it. charles: politic mind. the establishment in d.c., republicans and democrats united. whether it is the two-party or the progress this. that budget deal, to me, blew my mind. this is the opportunity for both of these guys. i guess that they will take it.

stuart: you have not much help for 2015 politically? charles: i think that we have stopped the wrecking ball. some corporate tax policy would be low hanging fruit. other than that, it is just strange going into 2015. stuart: i just do not see how a president can veto everything time after time. they want to get either reelected or give hillary orvis warrant a spot in 2015. they have to support something progrowth. >> i have said that. >> we have no evidence that bipartisanship will happen any time soon.

charles: the stimulus is there but it needs a spark. >> spark will not come from washington. stuart: up next, we will take a look at the biggest winners and losers. charles will tell us where he thinks they are going in 2015. you just heard us talking about gas prices. remember when rachel tried calling us out? she said we were talking down low gas prices. she was sloppy and we called her out on it. roll that tape. she is the face of nbc news. demagoguery without fax. this time, i was the target. they she twisted the truth to fit her agenda.

♪

[music throughout] ♪because i love you♪ [announcer] this is my business. i believe in it. i live it and breathe it. i put my heart and soul... ...blood,sweat and tears into it. i run on quickbooks. that's how i own it.

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the more i will bug the crap out of them by being out there with a voice, with a message. what has happened to me and has been said and written, that against your skin. it is growing all the time. going all's to the wall opposite of what the americans want. stuart: a soundbite machine. she became a regular contributor to "varney & company" in 24th team. the markets hit record levels this past year. charles payne still here. charles: i keep talking about wage growth, which growth. i think it is finally going to come. if you do not have the skills,

you will be left behind. the amount of money that could be commended, people quitting their jobs. huge. all the needles point to the right side. >> does that make a profound difference? well paid per minute jumps to a u.s. economy, that is enough? >> when politicians say the economy is up or gdp is up, we are supposed to be of. we will move to another level and i think it will be great. stuart: southwest airlines of

122%. start with southwest airlines. charles: i like to do more from a value play. southwest, the only one not gouging their customers. stuart: you say by more of it. charles: if we average up we would make a lot of money and if we averaged down. >> yeah, that is true. if it pulls back enough, i will give back into it. stuart: the game maker. the most important entertainment vehicle that we have. charles: there is no movie that can match that. no matter what the movie is. at least they have jobs.

stuart: you are something else. what else do we have now? charles: that is it. stuart: i do want to take a moment to thank our cooking staff. if i say they work tirelessly, i mean it. they make sure that i have the most interesting people for me to talk to. a look back at some of our favorite guests of 2014. ♪ [cheering]

stuart: this show is meant to be a hard-hitting program. that does not mean we cannot have a little fun around here.

>> how many times have iran into you in the hallway and gave you a big old hug and said, stuart, i love you. i love you. we have to keep the prices up. it just sounds different. stuart: what is wrong with the following sentence, my mother told me to quickly run to the store. [laughter] stuart: can i be in your next video? [laughter] stuart: you got me. we are on it. >> you are on every day in my

house. >> you did not tell me that. >> where do we start? >> they blame the president. they play in the markets. they blame everybody but themselves. this is a financial program. are you making money out of this? >> no comment. stuart: i will be very blunt. it is great to have you on the show. all of those millions of people. i know that there were millions of people that watched you that were waiting for you to fall.

stuart: that was a heartwarming story. we really never know what to expect on this program. what story got everyone most fired up this morning. gruber caught on tape calling the american voter stupid. >> i am just really frustrated. >> absolutely stupid. >> thoughtless and downright insulting comments. >> incredibly disrespectful. they were indeed insulting.

>> i behaved badly and i will have to live with that. >> they gave republicans -- >> that is stupid. >> i do not think so, no. >> does mit employee stupid people? >> not to my knowledge. >> so you are a smart man that said some stupid things. >> obamacare is a large piece of legislation with many parts. >> the president argued that obamacare was not a success. >> a very confusing statue. basically, that was really, really critical to get it to pass.

>> exploitation of the lack of understanding of american voters >> when did you realize these comments were indispensable and inappropriate? >> i honestly did not remember making them. >> to your members think you are the only person that cares about the uninsured? you do not remember saying that? >> i do not. the so-called limit is as a direct response. get over yourself. >> are you sorry because you said it or because you meant it. >> the first time someone came clean and told the truth. >> i behaved badly.

i will have to live with that. >> you did a great job. you wrapped it up.

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ache muscle or joint pain less appetite, chills, or rash. even if you've already been vaccinated with another pneumonia vaccine, prevnar 13 ® may help provide additional protection. get this one done. ask your healthcare professional about prevnar 13 ® today. ♪ stuart: obamacare faced its shares of challenges this year. jonathan gruber was a part of that. >> the stupidity of the american voter or whatever. >> have you ever seen a more pointed example -- >> they were stupid. they were lied to. stuart: tried really hard to distance themselves.

>> i do not know if you have seen his mit analysis. >> she authorized the payment. >> the president and the democrats are not. they cannot run away from it. the president said, if you like your plan, you can keep it. it turned out to be the lie of the year. >> two things could kill obamacare in 2015.

>> must have had a nip here and a little talk there. stuart: pick it to pieces. >> to me, that is a minor matter. the spirit of compromise, he can send it. that is one way to do it. it is a bit technical. it has to do with whether or not the irs can give tax credits to a large group of people. if they cannot obamacare will be impossible to sustain. the supreme court in legislation

like this passed by just one party. it is not going to look for an opportunity to save it. the literal words of the statute. they do not authorize these tax brackets. >> a favorable opinion on behalf of the president but almost changing the language. >> maybe he is looking for an opportunity of repeating himself. >> i would say 80% odds. jonathan gruber was telling the truth about what he really felt. he was sworn in. the supreme court will say this. you cannot make laws on-the-fly

after-the-fact ad hoc. the tax credits were meant only for state bill exchanges. that is how the law reads. it will fall apart. >> it would not be the core putting the knife in. not anticipating this. >> the united states of america killed obamacare.

>> kept sending it back. killing it. >> the decision has to come down. the last word date in june. we will know by then. >> yes, we shall. still the generation that you love to hate. they make quite a lot of news and 24 team. >> bolan meals that take over, mom and dad still chip into a corridor of these people. >> 11% married still help paying their cell phone bill.

>> making a return with bolan meals. >> absolutely not. as you said, it is a function of the challenging economy. the money we do have, we are spending. 87% of millennial's gave their time, gave money to a charity last year. we are a very giving generation. stuart: you are in to streaming. you changed communication. you changed technology. you changed food. you like expensive burgers. >> i still love mcdonald's and wendy's. you have one millennial on your side. [laughter] stuart: let's talk more about these bolan meals. we just made the point that they

tried the economy to some degree. why do they get dumped on? >> they are overconfident. they are entitled. let's be optimistic. when they reach their earnings potential, they will have a lot of money to spend and they will spend it. stuart: i am in my 60s. i am a grandfather to me many times over. this generation always looks down. >> that is very good.

>> i cannot perfect perfection. the bolan meals are being criticized. and lots of millennial's are staying home. it is sort of like wayne's world meets the golden girls. because of that -- you know, i think with corporations understanding when you get a 20-year-old in house and they love your brand, you likely have them for life. stuart: the producer caught it. >> millennial women, i would pay a lot of attention to. they are smart. they are educated. they are making big decisions. i would be scared of the

millennial woman. >> we will do just fine just like every generation before and after. >> i totally agree with that. stuart: if we have learned one thing this year, it is that no one's information is safe online. our experts say the big one the big hack is yet to come. more on that, next. ♪ unction - 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,

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>> cyber attacks. what have we learned? from hollywood to wall street him him him him him. what to look for next. apple executives are now keeping their eyes on the cloud. him massive government surveillance efforts are trying to get access to the him a good indicator that they do not have indicators to get into i cloud. i do not know that somebody specifically said do not check the logs. when people are putting budgets together, there are certain functions that are being overlooked. making sure that everything is the way it should be.

>> we are all worried about the next phase of the attack. a countdown starts. it basically erases the hard drive. it makes our computer no longer functional. it might as well be like a boat anchor that you throw over your boat. it is not going to work. stuart: i am just waiting for it that that it. >> it will be this year. i promise you. jonathan, you just heard what john mcafee had to say they are. >> we are seeing signs that it could definitely happen in 2015. stuart: is it the total shut

down of electrical supply, for example where is it a huge post on wall street where they take a trillion dollars? what will it be like? >> yes. i think it will hit a very highly profiled target. the average time that they were in corporate networks before they were detected was 229 days. we know that i can tell you that right now they are already in the networks. already moving laterally around the networks. >> is this a question of money? is it just a question of

spending enough money to stop it before it gets rolling? >> unfortunately, you cannot just reach on the shelf and by security like you buy a laptop computer. >> good luck. thank you very much. we appreciate it. we had every angle covered this year. roll that tape. starbucks plans to start offering beer and wine for customers. >> starbucks is almost the training ground for a bar. and a lot of students hang out there. they get accustomed to sitting at a small roundtable drinking a beverage in a group environment. this arrived in this box. him paying for it.

i have to cook it. you are selling it and him are making a success. >> they pay a little more. they have a wider opportunity of what they can eat. it hurts their profitability. once they are under attack him that they start. cutting eight menu items at the donald's. they are preevent thing. >> their menu is loaded. they have to put it on a diet. you are waiting for your fast food. stuart: i want you to define -- how did consumer taste change? >> we want it to be natural. not necessarily fewer calories

less fat, but natural. it comes from a local farm or the cows were fed with only this and not that. stuart: we really did concentrate on the exchanges of consumer taste. i think -- maybe i am being subject this year. there was more change in consumer taste this past year than any other year i can remember. mcdonald's took a big hit in 2014. it is your fault because you lead the charge. 2014 a great year to be a geek for the apple watch. we have been wowed by tons of

technology. >> generally, you are not a huge pet allergy guide. >> do not take a picture of this. [laughter] him

stuart: new iphones, next generation video consuls.

here are some of the headlights. >> i cannot see a thing. >> you can imagine people having meetings sitting around a virtual table. this is why they bought it. >> are you telling me that someone can come in, go through the process you just described and get the face of another human being put on their school? >> it allows them to breathe properly. >> the watch talks to the phone. you can get on a plane.

you can unlock your hotel room with a watch. stuart: i want you to tell me what the big deal in technology is in 2015. >> wearables. stuart: you mean like that i watch. >> it will really like about this whole wearable technology. stuart: wherein computing power that you look into your body and your mind to enhance your existence. >> to make the world a better place. >> you have to be kidding me.

it will really turn me on and change the world? >> trust me. if i could tell you that watch will keep you from having to stop at the front desk -- stuart: it is my watch calling. >> you may be winning back some time in your life and having a watch like that. stuart: battery life. >> i just told you that. we can make smaller batteries go even longer. you will see things happen whether it is home automation or devices. >> 14 hours. it is pretty big.

>> here is my idea. the oculus rift. the virtual reality. >> this is amazing technology. you can do all kinds of things. stuart: what kind of things? >> augmented technology. a motorcycle helmet. while you are going down the street, his helmet will display 180 degrees behind you. stuart: the goggles, that is the big toe. are you with me on that? >> i am not into putting google glass on.

>> i take on the past year and what we can expect for 2015. ♪

you to i think 2015 will be an extraordinary year. the rest of the world is indeed in bad shape. we have cheap energy. that is a big deal. it is our energy. it is our natural gas. the house and the senate are dominated by house republicans. keep a lid on spending. if you run a business, you know

how important that is. it is not efficient. wasteful. we know it did not work. here is my hope. 4% growth at some point this year. energy independence and most important, a return to the optimism. it will be a very good year. that is it for us. bonnie and company for two hours tomorrow. happy new year everyone. ♪ these ally bank ira cds really do sound like a sure thing but i'm a bit skeptical of sure things.

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there's no way i could have gotten out. as i sank i lost consciousness. >> louie's courageous story is portrayed in a new movie and book "unbroken." but there's more to his story. >> just unbelievable. told many his own words. >> my life was completely changed ever since. >> louis zamperini,