bought some herbalife. liz: that is interesting. [closing bell ringing] into utilities now. the bells ring on wall street. as we look and see how stocks finish -- finish up. it has been what the lower banner says. volatile day for stocks. fed minutes came out showing quite a bit of hesitancy moving forward on just single words like patient. makes you start to wonder if they are overly frightened, david how to proceed here. david: clearly they are. and the betting was right before these minutes came came out there probably would be a rate hike in 2015. even anthony scare my think may be changing his mind. that is not a sure thing it seems at all. liz: not at all. "after the bell" starts right now. david: let's get into the action. recon capital kevin kelly who is

investing heavily in europe right now. he will tell us why, how you can play it. wall financial's michael wall will give investors a way to play any potential downturn in the market. todd horowitz at cme. todd, we'll be talking about the fed but first i want to talk about oil because a lot of people were selling oil today. you were buying oil today. why? >> hi, david, hi liz. i just think oil has found a bottom, in my opinion. i think the 45 to 47 level looks great. i thought we would run up to 55 and see a little bit of selling pressure but overall the pattern that we're looking at, oil out a year from now is 20% premium to where we are now. i don't think we'll be done using oil forever. i think a lot of these calls that you've seen from so-called experts are, $10 oil, i think those are irresponsible calls, unless we'll stop using oil and move to solar and natural bass finally, we'll have need for

oil. there will be demand again at some point. look it, we're still higher by 20% from the lows. the stocks have picked up. halliburton picked up. even with the selling exxon is still higher than it was after originally selling. it looks to be pretty good. i look to buyer. liz: michael wall, you're playing oil with side play, master limited partnership, kinder morgan. is that to make sure you're in, you don't get hit price fluctuations and you get a great dividend. >> that is a great point, liz. don't matter what car is driving on the show, whether a chevy or ferrari, you will still get the tool. you have 80,000 miles of pipe. they have shipping a bunch of different things. one of the things interesting they had additional $11 billion in january, liz, set for new investment in partnership, that sort of thing. that is kind of a sideways play.

that doesn't matter what the price of gas or oil, we'll make money with opportunities on yield and based on shipping what is out there. david: kevin, old expression, beauty is in the eyes of the beholder. much is the same about earnings. i heard some people like brian wesbury talk about how wonderful earnings were this quarter. not everybody adegrees with him. that is very important calculation. what do you think about earnings? >> you if look what happened during this first quarter, it was extremely volatile. some companies beat on the top line. some beat on the bottom line. their forecasts are not really great going into the second half of the year. one reason you're seeing why the euro take its toll in currency headwinds. you need to start looking at countries like germany that get exposure because curren he is headwinds will play out significantly during the section half of the year. tech has a lot of cash on their balance sheet. they can do dividend and

repurchases and you need to be cautious about earnings in the second half. liz: let's talk broad by about stocks overall. todd, as you look at s&p just below 2100. it hit 2100 yesterday. that was the year-end target of 2015 for goldman sachs and credit suisse. think deutsche bank was juan of the highest ones on the street at 2150. we're already there. will this tree go heard head or two higher, or do we start to see that move down? i know you are in general pretty bearish but what is your thesis? >> my thesis is the markets seem like they're waiting for some news. it hasn't been economic data. it hasn't been russia. it hasn't been greece. the market really feels like it wants to sell off here. with the lack of anything to really force sellers into the market we continue to drift higher. there is old saying you never sell a dull market but nothing has been more dull than the market the last two days as we drifted through 2100. you know what? i give the market 20% chance of

going up, another 10 or 20%. i give it 80% chance of breaking down. that is the way i look at the market but until we get some real detail where the fed stands aside to let the market trade on its own and let real capitalism come in i think we get a drift around these areas. it is hard to want to be short, widely-held stocks, 34 up, 22 down, 22 unchanged. it is really a mixed bad although we continue to grind higher. david: michael wall, you don't completely have to go one way or the other but some people are looking at the heights of this market where it is, thinking, gee, maybe now is the time to cash out a little bit and put some in reserve for a pullback. are you one of those? >> yeah you know i think, david, that's a great point. when you take a look at the market, just over the last four months we've really started to enter into a lot of volatility, a lot of up, a lot of down. reminds me back in the day, remember the old seesaw, you don't want to get cherry bumped.

david: i hadn't heard that term in a while. >> remember that? just the idea, the problem that we have in this country, is greed. you know, that gets investors every time. we've had a long, long time, several years of a lot of growth. let's take some of that profit and step on the sidelines. if it continues to go higher, we still have a little bit in. we want to look potentially enter into a short pieces of shorting the market. that way if it does to the other direction. i do believe we'll start to see in next at least couple days or week a little bit of a downturn. whether that is longer term, i don't know. we want to be cautious and prepare for that, for sure. liz: michael warren, warren buffett would cheer on the greed comment. he waits until things are super cheap. he does what kevin does. you look at balance sheets, don't you? he looks and picks apart at balance sheet for certain things that matter to him. when you pick apart a balance what are you looking for? >> we look at cash to make sure we're not overleverred.

michael made a great point, we're overlevered. volatility comes out, there are etfs that do it. buy qyld, nasdaq covered call etf sells front month call options and distributes out to shareholders on monthly basis. thatthat is a way to capture volatility especially on names with great balance sheets that rin vesting in r&d, distributing dividends as well as doing share buybacks. apple is doing all three of those. david: todd horowitz, talk about widow maker calls here. there are some people thinking of gold, that it has dropped quite a bit over the past couple weeks. now that the chinese are on vacation, a lot of chinese buyers are out for chinese new year. they come back and start trading on tuesday. some people are thinking now is the time to get in before they get back in. >> i think, i thought 1180 was a real good level to buy gold. we got down to 1197.

closed back above 1200. i think gold is a great buy here. i don't think you should go all-in. if you invest, 10,000, i wouldn't put it all here. i would be ready to buy some more but i think there has been so many headwinds against old, overall strains of u.s. dollar, entire picture what is going on, currency wars, i think gold is a great buy. i think a great spot to start accumulating. think it will go higher. i look for it to ba back to 1250, 1300. i do think 1180 is a great level of support. i don't think it will go much below 1180. david: thank you, gentlemen, good stuff. appreciate it. liz: thanks, guys. president obama is expected to speak in just a few minutes on this week's summit discussing how to counter violent extremists. david: that is how they put it. peter barnes joining live from the white house. what is the latest, peter? >> hey, david and liz. the summit is looking at root causes of radicalism of all kinds, not just islamic radicalism, but radicalism

around the world. white house aides cite the farc rebel group in colombia. they are not ignoring the issue of islamic extremism and not not talking about it. they argue defeating radicalism requires more than a military solution. the president will give the keynote speech for the summit in a few minutes. he will talk about u.s. counterterrorism strategy, about isis and al qaeda. also about sources of extremism such as poverty. he gave a little bit of a preview of his remarks today in a column in the los angeles types, saying, quote, our campaign to prevent people around the world from being radicalized to violence is ultimately a battle for hearts and minds. our focus will be on empowering local communities but critics say the president is missing the point here and is not focusing on the right problem. congressman michael mccaul, the republican chairman of the house

homeland security committee said in a statement, quote, the administration has not taken the threat from violent islamist extremism seriously. they won't even call the threat what it is. david and liz. >> peter barnes, thank you very much. david: thank you, peter. what you think happened during the financial crisis may be wrong. that is according to our next guest of the he will explain why he believes it could happen again because we're targeting the wrong cause. liz: plus the battle over alibaba, buy, sell, some big hedge fund managers, like george soros making huge bets on the stock while others are going the opposite direction. who's right? david: i love these ones. thinking about saving for college, a lot of people think about five 29s, that was big in the news a couple weeks ago but there are other ways to save you may be missing out on. we have details how you can do it coming up right here. ♪

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david: dodd-frank regulations are onerous but what if they're targeting the wrong enemy?

if we're targeting the wrong enemy, what is to prevent another collapse from lapping? joining me, peter wallison, american enterprise institute senior fellow. author of the book hidden in plain sight. what really caused the world's worst financial crisis and why it could happen again. good to see you. dodd-frank targets, private banks and borrowers, some people say it is holding back the economy, because that what folks in favor of dodd-frank caused financial crisis. you say. >> they were told that it was failure to sufficiently regulate the financial system. but in fact it was government's housing policies caused financial crisis. if we followed that we wouldn't impose dodd-frank. we would have changes in the housing policies. david: but weren't there are a lot of irresponsible loans made out and received, both givers and receivers were involved in making some huge mistakes that, at least exacerbated the crisis, no? >> sure, except that what people

don't know is that, in 2008, when we had the financial crisis, 3/4 of the bad mortgages that were outstandings, that was 31 million mortgages, were on the books of government agencies, which shows, who created the demand. david: brings it up-to-date now, the problem we have with our housing industry right now interest rates are so low a lot of banks don't want to be stuck for a 30-year mortgage, be it at three or 4%. and therefore, the people giving the mortgages are who? are the government entity, fannie, freddie, et cetera. >> they're trying to get the mortgage market to move again but reducing underwriting standards. that is exactly what caused the crisis in the first place, dave. so the problem here is that we have to control what the government is doing, rather than trying to control what the private sector is doing. david: but isn't dodd-frank trying to maintain those standards, and strengthen the underwriting standards? i thought that was part of what it does? >> dodd-frank does not do anything about underwriting standards.

that is one of the puzzles about all of this. what it does is impose a lost restrictions on private sector, slowing economy. we've had slowest recovery from recession since the mid '60s. it hasn't cured the problem we set out with. government policy reducing underwriting standards causing a lot of people who can't sustain a mortgage, can't pay a mortgage to get homes of the we go into the same cycle again, have more failures and another crisis. david: you used to work for the treasury department. you're familiar with looking at accounts who has what, what kind of assets. is the government, fannie and freddie, are they loading up with the same kind of subprime mortgages that we had in 2006 and seven? >> it is worse? david: worse? >> because after the financial crisis they raised underwriting standards a bit to about 5% on average down payment. now, they're regulator a few weeks ago, actually 5% is too much. we want you to reduce your

underwriting standards to 3%. pretty soon, if the government wants to stimulate yet more housing they will reduce them down to zero% down paints. the point is, the government has tremendous incentive to reduce underwriting standards in order to boost the housing market. david: here's the dilemma. if in fact interest rates move up, we know they will move up, the government is on the hook for these very low interest rates, going, 10, 15, 30 years, what happens to the government's holdings? what happens to the government's mortgages? >> it will be, we'll have a serious problem here. not only is fannie mae involved in this but the fed has been buying fannie mae mortgages, fannie mae mortgage-backed securities. as a result if interest rates rise those will decline in value too. david: i know the answer to this, but obviously the taxpayer will be put on the hook. >> of course. david: how much do you think this will cost? could this be worse than the last financial crisis?

>> last financial crisis had occurred in the private sector. that could occur again if we reduce underwriting standards as we did before. otherwise taxpayers simply take the losses as they did on fannie mae and freddie mac and again on the fed. david: wouldn't snowball into the entire financial system the way the last one did? >> well it depends on how many poor quality mortgages are outstanding at time the break occurs of the last time by 2008, more than majority of mortgages outstanding in the united states were low quality mortgages. david: wow. >> when the bubble began to quote laps, these mortgages began to fail in unprecedented numbers. david: a voice in the wilderness, peter. >> i am, but we could make it happen if people would look. david: peter wallison, hiding in plain sight. good to see you, peter. thank you very much. liz, over to you. liz: quite the five-year rally. s&p 500 already hit many banks year-end targets 11 months early. have we run up too fast or did

they simply get it wrong and undershoot? plus two billionaire investors hoping to put their portfolios into overdrive, placing big bets on general motors. should you follow their lead or does the company still have challenges ahead they can't deal with? a beagle named miss p strutted away with the last big prize, westminster's dog show. >> my choice, for the best in show, is the beagle. [cheers and applause]

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liz: the s&p closed at a new record high yesterday. didn't really do much today but what happened yesterday broke several banks year-end 2015 targets nearly 11 months too early. have we run up too far too fast or did the banks just miss the mark? listen, analysts are off a lot of time but let's bring in our

panel because they're right most of the time. jeff saut, raymond james. alan knuckman, chief options strategist and our own tracy byrnes. jeff, i will begin with you. you were absolutely smack on the money last year and year before. you have already gotten these predictions right but to hit 2100 in february seems a little early, is it not? >> i don't think so, liz. i don't like to give targets. i think direction alty is more important. if you get direction right you're ahead of 90% of the wall street. when push came to shove last year i think i put on your show, 2350 price target on s&p this year. liz: you do on occasion when pushed and shoved come out with a number. so you believe we go higher from here, not down? >> yes i do, i sure do. liz: alan, what about you? >> you simply see we're in range, 2,000, 2100 end of october this is breaking out. once again every single time, not to say it is not going to

happen this time, that 100-point move on top of old times, targets 2200, every selloff goss distance of that measure move selloff. liz: so goldman sachs, credit suisse, tracy, said year-end goal was 2100. as you know we already hit it. barclays, bar chris with them. deutch i think 2150. are these guys just undershooting? >> or did they set the barlow on purpose? look, i mean what we do know, inventory levels, merger and acquisition activity, spending all below historic levels. yeah, i mean, i'm with jeff on this one. i think we definitely have room to grow. i think foreigners have bond fatigue as well. they're coming to our markets. we're still the best place to put your money in entire world. people need a place to invest so the market will continue to march higher. >> let us not forget the very horrific headlines we had last year. israel-gaza conflict. isis drama, a lot of journalists

beheaded, it was absolute horrible. airplane crashes. air malaysia plane crash. crimea snatched away by russia. we saw a 11% move to the upside. are we though very much at risk, jeff, when it comes to headline from greece if greece exits the eurozone, that could have a longer problem? >> i don't think so. i think tracy makes a very good point. because she has been an astute market observer for a long time. my recent trip to the europe, all the pms wanted to talk about u.s. stocks. with a strong dollar and rising equity market, makes irresistible duo if you will to the underinvested portfolio managers in u.s. stocks over abroad. liz: tell you what was irresistible, the ipo came to alibaba. it has since come back markedly. there is a battle. several major hedge fund managers, talking fast money, george soros, john paulson taking complete opposite views of certain others, some selling out, some buying in.

let's get right to it. alan, as we look at the scoreboard, daniel lobe, paulson, they upped their stakes. george soros. guys against it, lee on cooperman, t. rowe price. >> 80, 90 range post ipo, back then it did suck all the oxygen out of the room. but after peaking at 120, looking to see if they hold the support, 85 is midpoint level from september. i think there is much more up side potential. very good value. liz: tracy it is down 27.6% since that $120 print. once you've seen a level you know you get back there if you do right things for the business, right? >> but i also think we knew going in, this was like for the big long-only hedge fundamentals. they got a piece of it. in there for short term. momentum trade. they did exactly what they wanted to do, they made money

they left. for retail guy, you tell me. you tell me what a variable interest entity is. that's what you're investing in. you're investing in a shell company. i think it's a little sketchy for the retail person. hedge fund went in, made their money and left like they wanted to. liz: jeff, a shell company with people using, buying selling, they have real customers here. >> that's true. our fundamental anist has outperform. recent quarter was a mixed quarter. their gross merchandise value was up a strong 49%. but their monitorrization rate, wasn't as high as it should be. revenues divided by gross merchandise value. so he lowered his estimate a fraction. lowered price target to 108. but still outperform. liz: you we no there upside if you listen to the raymond james guys. the reason we're talking about fast and smart money because the 13 h filings from the -- 13 f.

they came out. up next, more smart money. two players buying into gm. is gm a gem or junk? our disappearing photo. talking about that, really worth $19 billion, david? david: gem or junk, i love that. eps and revenue look like great numbers to look at, but really sales that drives growth. that is the bottom line. we'll tell you top companies with the biggest sales growth in the past year. also when you think about saving for college, a lot of people think of 529s, but you may miss great alternatives to the program. we'll lay them out step by step straight ahead. we want to hear from you. are you concerned about the rising cost of college? who isn't? is there anything the country can do to combat it? send us a message on facebook or tweet us, @fbnatb. your answers straight up. [ female announcer ] who are we?

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liz: gm has been through a lot in the past year but that is just the kind of stock that the fast money likes. despite a rough 2014 with millions of recalls, warren buffett and george soros are upping their stakes in the carmaker. are they right? is gm a big gem? or could it be junk? alan knuckman, how do you feel about general motors when warren buffett is going in and big names are going out? >> he has been in. the reason where we are. the stock traded 30 to 38 most of the year.

it rallied to the top. it projects 46. ford is middle value. trading between 14 to 18 for the year. i think that has 35% potential as opposed to gm 20 percent. i think both will be positive as things continue to recover. i think smart money is already in. do you want to chase? that is the question. liz: buffett, tracy, has 41 million shares. upped the stake one million. soros a bit less, 4.9 million shares. where do you stand on general motors? there may be more to shake out here. when you listen to warren buffett, of course he was on fox business a week ago, he thinks mary barra is a brilliant leader. he is believer in the company and he thinks the problems will be finished with soon. >> if she can make it through that she can make it through anything, right? that was not a good year for mary barra. 2014, see ya. i think at this point the nest is priced into the stock. i'm sure that is what they're thinking. liz, don't forget the dividend is back. 3.% yield.

they will probably increase it in 2015. that is not a terrible additional bonus to getting back into the gm stock. liz: three times this year, we have general motors, looking at around 36, 37, jeff. i just wonder, how many times do we have to see that before it breaks through 37, 38? >> there is an old saying on the street of dreams that triple tops rarely hold. meaning when you come up to a triple top you usually go through it. that is just happened with the s&p 500 by the way. i agree with tracy on this one. i don't have an analyst that follows it so i really don't have an opinion. i was in detroit. i went on plant tour. they're running it 24/7 throughout. they can't keep up with demand. liz: move on to a company very young and very valuable apparently. photo app snapchat is seeking a 19 billion-dollar valuation with its latest round of funding.

when the math is all completed, what comes out? 19 billion in valuation. is this a little too high? are they missing a great opportunity to sell right now? all i can think of groupon, $6 billion offer from google, turned it down, they have to deal with quarterly earnings and deal with all kinds of problems. >> look, facebook offered them 3 billion. who is laughing? this company was worth 10 billion last year. now at 19 billion. you know what it is, liz? discover thing. they have little channels on it where kids, not only snap pictures of themselves, now they get sent off to, my daughter was sent to kozmo the other day. reading cosmopolitan via snapchat. publishers notice traffic coming through. that is the generation you want to get. they're certainly not watching tv anymore. they're on their phones. once publishers started to notice, valuations went up. liz: alan, there is something called flipboard as well. oprah wanted to buy it. google was interested in that.

flipboard is a viable business. they have a great advertising model. you don't want to miss an opportunity. >> especially as trader you want an exit strategy. where are you going to exit? after money has been made and value, when do you cash out? you can't hold on forever. you can't be greedy. you talked about what happened with groupon. at some point you have to say enough is enough. liz: how would an ipo be welcomed or rejected, do you think. >> i think the street would look it. that would be great opportunity to monetize what they have. go right ahead, but don't stick around too long. liz: caveat emptor. >> don't stick around too long. >> alan, in from chicago, tracy. how about that? >> god bless your soul. probably warmer back home, alan. terrible here. liz: jeff sitting there laughing in florida. thanks a lot. jeff saut, alan knuckman, tracy byrnes. david, over to you. david: good to have alan in new york. earnings reports focus mainly earnings per share and revenue, many overlook a key statistic

help investors sales per share. it is different. the metric represents how much growth investors own. market watch compiled a list of stocks with the highest growth of sales per share. the company with the most sales per share growth? at whopping 147%, is gilead sciences. the growth is as a result of hepatitis-c drug which let the company raise guidance multiple times last year. number two, devon energy, the oil and gas production company had sales per share growth of 127% thanks to an acquisition it made last year. next global industrial giant ingersoll-rand which had sales per share growth of 118%. at four, biotech company avago technologies with sales per share growth of 100% over past year. keep these things in mind. liz: if you have children or about to have kids you need to listen up. five 29 plans are not the only way to sieve for college. your family may profit by

combining a few alternative plans out there. we're here to bring somebody to you who will remind you of the best ways to save. that's straight ahead. david: you also heard this right here far in advance of the announcement. one luxury automaker developing its first of ever suv. expected to be one of the world's most expensive vehicles, certainly the most expensive suv. which car company is it? we have details straight ahead. liz: ford touts its new f-150 toughness in face of this winter's record snowfall. we're live from dearborn, michigan, to see if that is the truth. david: you don't want to miss this. tonight on "strange inheritance," two forgotten tv actors inherit a fortune from a farmer they never met. the full story at 9:00 p.m. eastern time, right here on fox business. ♪

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this. here with more way to save for your childrens education is a "wall street journal" reporter. good to see you. 529 plans were in the miss because the -- news because the president wanted to get rid of a critical part of it. he backed down. but even if he had gone through wit, there are alternatives. what are they? >> several alternatives, one is cover dale education savings account. it functions similar to brokerage account but you get same tax benefits with a 529 plan. that was also part of the president's proposal in terms of eliminating a tax benefit that is no longer the case. other accounts out there to consider are preplayed plans. these are a type of 529 plan that states offer but instead of the parent picking the actual investments, it is up to the state to basically decide how to invest parents money in order to keep up with the rate at which tuition for public colleges in that state is rising. liz: but do we believe that states have the ability to pick

the correct invests to keep up with that rate? >> not exactly. in fact, what happened during the downturn, something that these plans are still dealing with, is that several of them are underfunded because essentially what happens with the prepaid plan, you can see why it is appealing to parents. state says, put your money in this plan now. we will guaranty you tuition at whatever price it costs when your child goes to college. that is a great idea, right. tuition at a school right now costs $30,000 a year. by the time your kid goes to college is $60,000 a year. who cares you locked it in at 30-k. what happened the states have not been able to invest in a way that keeps up with this promise. liz: that one doesn't seem like very viable option then. >> there are a few states that offer a full faith guaranty, basically meaning that no matter what happens, we will make good on this promise. there are currently about a

dozen states accepting new investors. and there is only about four of them that are offering this solid guaranty. so parents need to do is find out, if such a plan is offered by your state, what kind of guaranty is it backed up by? david: what happens if i saved money for one or more kids in my family, they're geniuses and get all kinds of scholarships or, god forbid they drop out for one reason or another i have all this money saved in a tax-free account? >> that is a problem. the five 29 plans, the big benefit basically is that you're able to withdraw earnings and not have those earnings be taxed if they're used for college purposes. however, if they are not used for college purposes, you are incurring a tax hit. the way to avoid that, is, can transfer the plan to another child. each child has one beneficiary. if the older child doesn't go to school you can transfer it to

the younger child. liz: transfer to nephew. >> transfer in fact to any child. another option parents decide to go back to school. david: any child in your family,. >> any child. parents themselves have to go back to school for continuing education, they can make themselves the beneficiary. david: that is incredible. that is a great bonus. are they going to survive? will the plans survive? there was one suggestion, not too long ago, the president floated idea, he pulled back but floated idea of ending benefits for one of these? >> it is unlikely these plans will go anywhere, anytime soon. liz: when parents are smart enough, responsible enough to start saving, pull incentive away you saw major pushback. >> there was a lot of push back. it was not only political push back but families very concerned about, i'm middle income family they're saying. how am i going to pay for college? david: yeah. anna maria, thanks to for coming. good toe see you.

after a lot of speculations rolls royce will confirm it will build an suv, if you can imagine. the they are publishing plans for a new car offers luxury after rolls-royce with vehicle that can cross any terrain. the newç rolls-royce they say will be a high, bodied car with all new aluminum architecture. while this may come as news to some people, if you were watching "after the bell," you saw it coming. i asked rolls-royce north american president about the suv a little earlier this year. take a look. >> a lot of questions, a lot of requests. we're neither a sport company nor a utility company but the segment does intrigue us. we're ready in certain stages. david: have you hired designers to come up with various models? >> we had multiple designs already made. david: no pictures from the company itself are being shown. the model is expected to be years away from deliveries. we don't have a price target as of yet. but probably safe to say it will be the most expensive suv

available anywhere. liz: roles suv of the got to see that one -- rolls. as talks over greece's loan program continue in the eurozone we bring back alan knuckman what you should expect and how it could move markets here. david: jeff flock, you hear the name, you know it will be fun. he is live in michigan testing out the toughness of the new ford f-150. jeff, you're driving it. how is it? >> oh, baby, i'll tell you, this ought to be a ride at disney world. this is fun stuff, f-150. got snow in my face. putting it through its paces. show you what that means in just a moment. >> hi, everyone, i'm gerri willis. coming up on my show in top of the hour, this is the best time of year to get great deals. "consumer reports" will be along with its list of things on deep discount in february. that is one of the big stories coming up on "the willis report" in just a few minutes. you drop 40 grand on a new set of wheels,

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this is a truck that you can imagine is fun to play in the snow in. ford wanting to demonstrate, we've got two cameras to give you a full picture of snowplowing in the f 1/5, how tough the vehicle is -- f-150. , exclusive information to ford from fox business, the number of sales of new aluminum f-150, brent is with us, put numbers up. you're up to 23% of sales of trucks this month are the new aluminum f is 50, right. >> right. '15 model f-150. >> i'm getting a lot of snow. should have maybe my window down, not down. here you go. look at front end. you have i have a boss snowplow on this i can hold the controller in my hand. i can raise the plow up. i can straighten it out. plow to the right.

or maybe i want to plow to the left. will plow to the left. drop the snowplow into its mode and then boom, off we go, moving snow. there you go. need to learn a little more how to do this i guess. probably would be smart thing. i other thing i warranted to show you, in addition how important the vehicle is to ford, it is a huge deal, going to aluminum. but, the guys at boss snowplow, tristan is in the back with me, this as good as any -- david: jeff, we have alan knuckman here. alan knuckman is from the upper peninsula of michigan. he is in love with this vehicle and with the plow. liz: i think, i think you just got hired by some people in boston, jeff. they're calling for you. david: all right. liz: got the spray. david: right in his earpiece. i think he lost it. liz: thank you so much.

facebook and instagram focusing real time photos. one company looks to bring back old memories. deirdre bolton spoke to one company doing exactly that. that is part off you are fox business rewind. >> the purpose is the photo album reinvented. thing we no longer do anymore, print out photos, put them in books and flip once a year. we reinvented experience when all of our content is digital, all the photos are digital. all history is on twitter, facebook and phone and not printed out to be put in a book. >> first it is the law already. it does cost us money. it is us costing legacy "tron" medtronic business 150 million. with the new company it is well over 200 million in terms of yearly cost we're to pay out. that money we could have used for r&d or for other purposes. but it is what it is.

for the lawyers. not controlling what will happen in the future. there is a lot of support around it. we will welcome its repeal. david: catch all of today's interviews on foxbusiness.com. liz: we've been asking you whether you're concerned about the rising cost of college. spencer says the price tag attached to anything is based on demand. our kids are indoctrinated with the mind set they won't get a quality job without a degree. universities are listening to that. david: lisa, writing in, two words, community college. time for -- liz: number one thing to watch. let's bring back alan knuckman, bull's-eye strategist. number one thing viewers need to know. >> is the base in? that will give global stability if we see the euro get back above 1.15, dollar slowly declining would be positive for resource stocks. that could stablize markets and give us a new catalyst to the upside. david: by the way we got minutes from the fed.

the fed has two mandates, unemployment and the stability. currency. it doesn't have, the dollar in relation to other currencies in its mandate but isn't it taking that as a new mandate? >> i don't think so. i think they're doing fantastic job. david: really? >> they will raise rates when they're ready to raise rates. david: they mentioned, already various fed members mentioned fact that they're concerned about the dollar being so strong, if it gets stronger, with i would happen of course if there is a rate hike, that might hurt our exports. >> that is a possibility but people can hedge. that is why markets exist. we're concerned if dollar was too weak, if you don't remember not too many years back. david: sure. >> there is always the balance. that's why they get paid to do their job. liz: how worried are you about any greek headlines? we know they will get extended liquidity assistance extended to banks? we don't want to see banks gyrate. >> put it into perspective, the greek economy is 1/3 of 1% of

global gdp. >> strategically it is important. >> something out there in the negative but in global picture -- david: doesn't he look like abe lincoln without his beard. yes he does. >> hello, everyone, i'm gerri willis and this is "the willis report. the show where consumers are our business. americans are taking on more debt. some consumers are getting in over their heads again. two types of debt have economists especially worried. >> we're well over a trillion, closing in on trillion 1/2 dollars of student debt. that is one of biggest scams in america. gerri: early college admissions becoming very popular but it is not always a good thing. we'll examine the upside and the downside. the best time of year to get a great deal on all sorts of products. "consumer reports" is here with the ultimate guide to items on deep discount if february. also it is the most popular way to save for retirement, the ira. the there is a lotn