trading where it closed 93 bucks. [closing bell ringing] down 18% this year. david: bells ringing on wall street. up and down day for the most part. nasdaq may hold on to a very slim lead. it is only index we're covering in the plus category. all others are down. we should mention with nicole, boeing has a a lot to do with reason why the top leader in the dow jones industrial average is down. sometimes one stock will pull the dow down a lot. that is what happened with boeing. s&p is down as well, just a fraction. nasdaq holds on to a five-point gain. we'll take it. russell 2000, as i was talking, go into the green. up and down day in the market. "after the bell" starts right now liz: and, listen, even though it is a tiny percentage, that is another record for the russell, if the numbers settle to the upside.

action can really come in these last couple minutes. and it did. let's bring in smart people to game it all. gradient investments. she will tell investors how to boost profits even if market returns fall flat this year. needham funds, chris retzler, tells us why he sees good prospects for one particular sector and dan stesich at the cme dan, there we go. we got it. looks like a record for the russell, nine in a row for the nasdaq. what really drove the action today? >> there really wasn't a whole lot. this was as quiet a day as can be. normally on the close we get a lot of activity. it has been a slow, gradual up swing. haven't seen any headlines, to put the thing in perspective, with the nasdaq approaching record levels, 15 years since we've done. that it has basically done nothing for 15 years. this is more orderly than it had in '99.

david: talking about doing nothing, marion, you think the s&p five one end the year flat. you don't think it will grow or shrink much where it is now. why? >> flat or up 5%. the reason so much of the s&p are multinational companies. they derive 45% of their sales overseas. with the strong u.s. dollar, very difficult to compete against other local companies. so you know, it puts weight on earnings and sales growth and earnings growth. we think better way to play it this year, is with the dividend payers. if you can get that 3% dividend yield, as we do in our gradient 50, portfolio, you will be in better shape. liz: i would think. especially looking at 2.06 yield for the 10-year, chris. let me talk about what your theory is going forward. you're pretty bullish, are you not? you could channel that into many different areas. where are you channeling your

money. >> we're very focused on small cap domestic names right now. we think they have less exposure to the fx headwinds we certainly heard a lot about this first quarter but we're looking for opportunities, special situations. it is a stock-pickers market. we like technology. we think they have good growth prospects here. not everything is cheap. so you have to be very clever in your diligence out there, dan, it was another roller coaster for oil today. at one point it was over 50. looked like the end of the trading day it would end at 50. it doesn't. came down again today, well below 50, 49 and change. what is happening with oil? basic up is ply and demand issue, what is more influential in lower prices? the fact we have all the domestic production or is it a drop in worldwide demand, which is it? >> it is not in orlando r worldwide demand. it increase less severe than it was last year but to answer your question, it is supply.

there is supply all over the place. inventory numbers are coming out high. until those fall down you will not see oil prices come up anytime soon. how much lower we're not sure. demand is not increasing as we thought it might. that's why you have the issue. liz: you like i-shares commodities optimize trust. talk about focus of that. on the other side you're like intel a dow component by high technology. >> right. well, first of all, just to play energy, agricultural prices and metals over a longer horizon this is six months plus. we would look at that i-shares commodity trust. it does have 20 different categories and it, treats the futures market in such a way that you are penalized as the prices go up but we always feel that low prices beget high prices in any of these commodities.

that 2015 is setting up for higher prices, higher inflation in 2016. david: all right, chris, i want to talk about the overall economy in 2015. when you look at various factors in the economy, right now, what's the thinnest thread, what is the weakest point in the chain of the economy? >> well, i think what can really disrupt the economy is geopolitical. we're all watching headlines. market is still making new highs. think we're discounting that, unless there is something very significant that can derail. that we have the ecb, about ready to print. once they figure things out with greece, that process should begin and, you know, fed, feds around the world are printing money. so that is very good for equities in the long term here. liz: it is, dan. it may not be good for the actual inner health of the markets. we can argue that point until the end of time but fact is, you fight the tape and you will lose out, right? this is what we've seen over the past six-year long bull market. >> right.

i would just interject here. liz: let me let mary ann interject and dan, you can go ahead and respond. >> go ahead. >> when janet yellen speaks as senate banking committee tomorrow, she will, you know, introduce a as she did last month more discussion around international. i think that along with the fact that we still have a lot of people who need to rejoin the workforce rollses in this country and really lack of any type of inflation, except maybe if you're buying a ticket to an amusement park these days. but there is really lack of inflation. i don't think the data is drawing us to the conclusion that we should tighten up the markets. businesses and investing these days. they're investing in some people but they're not invest capital in production facilities. liz: okay. >> i don't see any need for them to boost rates until maybe tail end of the year. liz: dan, okay, you get to tackle it.

>> i was going to say before, the fed injected liquidity for the last six years. what has happened, this is where i will disagree with the previous guest here, our economy is finally starting to catch up. the fed will have to be proactive rather than reactive because i really feel our strength, our economic strength along with liquidity pumped into europe could end up triggering not necessarily bad inflation event but put the fed into position where they have to factster than they want to. i think it is more important they react more proactively and pay attention to the economy. if the economy doesn't dictate you don't need to raise rates, then don't do it. if economy has inflation and employment, they have to come back and do it. david: chris, when surprises me about janet yellen, she was the dove of all doves, she actually came out in her statements, and a lot of what she is indicating, a much stronger position, hawkish is too strong a word for janet yellen but much less

dovish. perhaps she will do exactly what dan said, presage with some kind of action to try to raise rates? >> there is certainly leading us to believe they're watching it, day-to-day. but i am watching the strong dollar. that can really derail the economist we're in a slow growth recovery which i don't think they want to undo what they have been trying to push forward. david: so you do think they are now looking at value of the dollar, the strength of the dollar abroad as an indicator when to raise rates? because they haven't said that they will do that. they still say unemployment and overall value of dollar here at home. >> those are secondary derivatives of a strong dollar as our businesses come under fire and unable to make those sales due to competitiveness. so i do think they're looking at the dollar. that may not be the primary indicator they're watching. david: when do you think rates will go up, quickly, chris?

>> next year. not this year. david: she thinks late this year. >> we got to go. chris and dan, thanks to all of you. david: president obama today outlined new rules he wants the labor department to impose on retirement investment advisors. liz: peter barnes is live at the white house. peter, how will this impact millions of americans, say for example, with 401(k) plans? >> david, and liz, it will affect them a lot. the labor department complete ad draft rule that will impose a special duty, fiduciary duty on stockbrokers to put their clients interests first before their own personal gain, mainly when people are rolling over their company 401(k) plans into iras. and that is about $300 billion in transactions a year. now you would think that brokers already do this. but in fact legally they are not required to. right now they are only required to sell clients investments that are suitable for them, and that word, suitable is open to wide

legal interpretation. so, critics, including the president, now today, say that create as conflict of interest for stockbrokers and their firms. >> there are a lot of very fine financial advisors out there but there are also financial advisors who receive back door payments. or hidden fees, for steering people in into bad retirement investments, that have high fees and low returns. >> now a report from the president's economists estimates that conflicted investment advice by stockbrokers for 401(k) rollover customers likely costs them $17 billion a year, about 1% of $1.7 trillion in assets that they manage. the labor department won't release a final rule until later this year. it would not cover broker practices for non-retirement accounts. those are regulated by the sec but it would put brokers under the same rules as registered financial planners and advisors who are licensed separately and

already are required to operate under the tougher fiduciary rule, fiduciary duty legal standard. wall street is already fighting back against this hard. in a statement the trade organization says, quote, the new regulation could limit investor choice, prohibit access to investor guidance and raise costs of savings for, you saving for retirement. david and liz? liz: peter barnes, their very much. david: so can the government manage your money better than the private sector can? we're going to debate that coming up. liz: plus four stock plays are attracting billions of dollars in investment money through exchange traded funds. where is the money going? we're going to name these etfs, and question, should you follow it? david: a u.s. refinery strike is impacting 1/5 of our national capacity. when oil prices go down your gas prices could go up. how much could all this dent our economy? it is already raising your gas

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david: we got breaking news on the financial front. stifel will acquire competitor stearn agee. it will give them 700 financial advisors that manage more than $200 billion in assets. a new financial merger. that should be interesting. liz: big for stearn agee. not so stellar earnings. hsbc. it struggles to contain a scanned tall over tax invasion. david: nicole petallides on floor of new york stock exchange with more. nicole. >> a lot of headlines circulating around hsbc, liz and dave. the stock hit a multiyear low. financial are weak. this one is story in its own. profit fell. results for latest earnings were underwhelming. they also had to scale back future profits going forward. a couple of things. mentions scandal. that is front and center.

"the guardian" newspaper alleging that hsbc in fact was basically doing tax invasion through a panama company and moving accounts, over five million in, into pounds. that would be 7.7 million u.s. dollars. that were moved away and that would have obviously to avoid taxes and the like. in the meantime they're also dealing with four problematic areas which include, brazil, mexico, turkey and united states. and they're working on those areas for their offices where they try to do turn around plans. they're working on that one every night. the chief executive trying to work on this one, the tax avoidance scandal and the spokesperson at this point saying they're not commenting at this time on these allegations. back to you. david: just in case. i think i said 20 billion. some people thought i said, 200 billion. the stifel would involve creation of a company with $20 billion in assets. still a lot of money. not quite 200 billion. liz: thanks, nicole.

david: there are four big investment themes seeing big billion dollar inflows from investors. liz: but which ones? the money is flowing into ex-training traded funds, etfs, which ones? there are thousands. we have matt hogan, etf.com president. hi, matt. thanks for joining us. we thought this was absolutely fascinating. there are thousands with all different focuses but you distilled these down. what was your methodology to start? >> we looked at funds that attracted most inflows year-to-date. the great thing about etfs you can see where investors betting money each day, if you look at the statistics this year, it is pretty remarkable. seeing huge flows. the number one place you're seeing flows into currency hedged etfs. these etfs own international currency but hedge out the currency. attracted half of all assets. this is year of currency hedging. that is smart money moving in.

david: people in general think markets all over the world may be a bit overvalued because of what central banks are doing. is there a way to hedge that? >> sure. there are great new products out there particularly in the low volatility space. we inflows into two tickers. splv and usmv both give exposure to the u.s. market. maybe you think it's a bit toppy? they find ways to get lower volatility, 85% of the overall market. our favorite of those two usmv. xlp had v takes big bets on financials. if you want your exposure to u.s. stocks but tamp down the volatility that's a great choice it. >> is interesting to see there is a lot of money going into focused etfs that really laser in on cybersecurity which has been a huge story, grabbed a lot of headlines. but performance of this particular peer funds,

cybersecurity, year-to-date it is down 5%. are people wasting their money here? >> i think they are actually. there is a lot of hype around cybersecurity and risk. maybe you even think that is a story that is going to continue. we'll see more nsa, we'll see more sony but as a core portfolio holding this etf has a lot of risks. aggregated pe is over 270. it is chock-full of money losing names. even if you're right cybersecurity is a big deal there is no guaranty these small cap companies will be ones that will win. it is well-designed etf. it does what it says it does. that doesn't mean you own it. i think there are real risks there. david: matt, people are looking down in beaten down sectors and agriculture is beaten down we know that because of the strong dollar. moo is the etf, appropriately named is symbol, moo. is that a bet a lot of people are making because it has been beaten down, perhaps it is time for an upward turn?

>> we're seeing people tinker around with some of the ags, some of the commodities. we've seen inflows into oil. i think a lot of that is bottom-fishing for a turn. i don't think we're quite there. you probably want to seat market come of a little. people wanting to make those bets we'll see how they turn out. from my perspective too early. liz: plain vanilla stuff, vanguards of the world with low fees which focus on s&p 500 which in itself is up 14% over past year. why not go into that and save yourself a lot of heartache right? >> absolutely should do it. one thing we know less you spend on your investments more you keep. 85% of active managers underperform the s&p 500 over the last three years. liz: yeah. >> that will continue. liz: you're paying them to lose money. that goes to warren buffett's theory, buy the index, right, matt. >> exactly. you can do it in etfs for five basis points a year. that is .05%.

basically free. unbelievable deal. that is why those funds attract so many assets. that will continue, matt hogan, etf.com president. want to check out etf.com. good stuff. appreciate it. >> thanks for having me. david: the first u.s. oil refinery strike in more than 30 years and now it is growing. is this another bump to the road of economic recovery? what will it do to gas prices? liz: susquehanna makes a big call on one oil name, saying it could drop 30% more? we'll tell you that name. you need to know that straight ahead. david: freezing weather already squeezing malls as shoppers hunker down. now they're faced with another problem, a terror threat. will that keep americans away? will americans defy threats? tell us what you think. will a terror threat keep americans away from the malls? send us a message on facebook or tweet u.s. @fbnatb. your answers coming up.

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david: retail malls had a tough time with horrible weather, slowing up a lot of consumer traffic in the east, and now we have terror threat. will the threat keep shoppers away from the malls or will americans defy threats? let's ask our panel. former indian that senator and governor, evan bayh. veronica daguerre, "wall street journal" columnist and our own adam shapiro. governor bayh, there is debate on homeland security between president and congress now, whether that is playing a role, the bush administration is was often accused of. that is that what the obama administration is doing now? >> david, it is not unknown that sort of thing has taken place in the past. i doubt if that is the case here. the reason for that, al-shabaab, the group that issued this threat, has taken some real hits in somalia. we've taken out some of their top operatives.

my guess this is their attempt to look like they're relevant, still a player. it is unrelated to our domestic politics. david: veronica, the question is whether americans will defy the threat to go out to the malls? malls are hurting particularly after this bad winter. >> retailers have had especially tough winter. cold weather with the ports out in california. so much pressure on sales. not to mention people haven't seen wage growth. they have haven't been so inclined to spend their money from all the gas taxes, credits they have received. so it is a tough time for retailers. that said, i think americans are resilient. i think there is a will to sort of defy any threats of terror. david: think you're right. >> hopefully they will go out and shop. david: adam, what the is bottom line here? >> the bottom line government has to be careful when someone speaking from the government makes a claim like this. remember they used to do color-coding for terror threat people became cynical and made fun of it. him like the boy to cried wolf.

you have to offer reasons, a video alone, is anyone surprised radical islamists overseas would want to target the united states? you have to give more evidence than there is just a video. david: i think that's a great point. growing strike in america's refining community, whichamay lead to the worst of two worlds. oil prices hurting domestic producers and rising gasoline prices which hurt consumers. adam, how big of a problem? >> it will be a big problem if it starts to hit u.s. consumers in the wallet. prices dropping and gas will go up and only get worse as we switch over to the summer blends and environmental regulations. consumers are strapped, despite the economy getting better so this won't be good. david: veronica, what is disappointing a lot of retailers, continuing on theme, the dropping oil prices didn't help retail. people were pocketing savings rather than spending. >> that's right a lot of people are nervous about the economist. they're nervous about the geopolitical situation. they don't know what it means

for them at home. they want to hold on to cash. save more if they can, pay down debt still. they're still worried. i think some people are still worried about their jobs and security of those jobs. david: governor, how much longer will these nerves continue to slow up our economy? >> as long as their strike fund, last, david. they keep their workers paycheck whole, by, compensating for what they would have made in wages. look, temporarily, if you get someplaces like california, some other places where refineries are down for maintenance reasons, this could cause a spike in prices. but if lasts until the summer driving season, adam was alluding to this. it become as bigger problem. david: good stuff gang. we're not finished with our panel. president obama calls for more rules on financial advisors but would that help? were rich hollywood actresses the best mentioners for the pay gap issue? we'll tackle both of those coming up.

liz. liz: this hotel stock has rallied 15% so far this year. more than 34% over the past year and they're kicking the s&p's you know what. we'll tell you which stock this is. we're talking to the company's chief operating officer straight ahead. plus a new milestone at disney world but not one good for parents and consumers. the details next. plus after a dramatic crash at the daytona 500, joey leganos became the second youngest winner of the race, beating out jeff gordon and dale earnhardt, jr. >> led just six laps but the most important ones, as he celebrates. ♪ iable uptime. and multi-layered security. it's how you stay connected to each other and to your customers. with centurylink you get advanced technology solutions, including an industry leading broadband network, and cloud and hosting services - all with dedicated, responsive support.

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>> outdated regulation, legal loopholes, fine print, all that stuff today makes it harder for savers to know who they can trust. financial advisors, absolutely deserve fair compensation for helping people save for retirement, and helping people figure out how to manage their investments. but they shouldn't be able to take advantage of their clients. david: president obama today, explaining why he wants the labor department to impose more rules on financial advisors. would that help or just increase costs? back with our panel. governor, we hear a lot from the president about this, what is in the best interest of consumers and savers. you really think the american people think the government

knows better than the private sector about what is in their best interests? >> i think most americans realize, david, that the government has made a mess of its own finances and therefore is not in very good position to tell anybody else how to manage theirs. we don't really need more rules, that sort of thing. that said, transparency, so at least consumers, your viewers, know if there is financial incentive for their advisor to make a recommendation, that is. david: i know he is a smart guy. transparency is something we can all use. when you have the government forcing rules on top of all the rules and regs from dodd-frank, seems like it will make things more expensive? >> it could. these changes may not happen. there is talk. transparency is really important. it is incumbent on the investor to take the lead. to ask questions of their advisors. whether they choose to go with broker or registered investment advisor. david: those brokers are pushing back big time.

>> big time. >> veronica. >> investors need to ask questions, say, how are you getting paid. >> wake up! >> what are you going to get? i hear adam heckling me. david: adam, hold on a minute. you're talking to a lady here. i will not step you on the dress before she finished. >> gets paid more than me. here's the deal. we all agree you have to be responsible for your finances. but to figure out fees, even for someone who works in the industry is mind-boggling. so what the government should do, have a standard, questionnaire, for the, for the broker. david: right. >> do you get paid by the fund to direct clients there? so that, that 401(k) investors, if i go into our 401(k), i tried to figure out what were the fees i was paying on funds i had my money in. it took me hours because it is so hidden and convoluted, most people, one, don't know what question to ask, but two, i invest with my cousin. it is embarrassing me.

i asked him how much are you paid. david: governor, i have to ask, there is no sympathy for bankers here clearly. >> there shouldn't be. david: from the general public but is there sympathy for more regulations on top of dodd-frank >> no, i think, the public is pretty skeptical about more regulations. they understand in general it costs jobs. drives up costs and costs get passed on to consumers eventually. i agree with what adam was saying. simplicity, transparency, that is all a good thing. beyond that i think it ends up burdening economy. adam, for your sake i hope cousin done well for you. david: family squabbles in the shapiro family. while accepting the academy award for best supporting actress, patricia arquette brings wage disparity between male and female workers to center stage. she did this last night. >> it is our time to have wage equality once and for all and equal rights for women in the united states of america! david: even if it is true, there

is a lot of evidence there is, are rich hollywood actresses are the best messengers, veronica. >> they may not be. that is important issue. women, for every $83, men earn, they earn 83 cents. disparity in average workers wages. in hollywood, the sony hack showed a big difference between what the women were making and men were making. david: it did. you know what happened, adam? charlize actually went back to her producers for the huntsman and got more money. she negotiate ad better deal based on sony memos. >> those had to be leaked. how many people know how much the person next to them is making? david: yeah. >> this is difficult problem to solve. if the government comes in with somehow will we lower people's wages. david: that is a good question. how do you equal things out? you don't want the government to come in. >> to get back to your original

premise, david, this is legitimate issue. there should be equal pay for equal work but this is probably not the most sympathetic spokesperson for that cause. david: right. >> reason for, these actors, are producers getting paid millions of dollars, they are sophisticated people can hire lawyers and accountants to go in, saying what do you pay men? we want equal deal here. others in the economy don't have that kind of support system we have to be sensitive. david: let sean penn and other liberal male actors give their funds. >> actors sophisticated? david: that is the thing to do. i don't think you're going to see that happen though. i don't think so. senator evan bayh, senator, governor, veronica daguerre, adam shapiro. thank you all. appreciate it. liz? liz: disney may be known as the happiest place on earth but may soon get the nickname of the most expensive place on earth as it raises ticket prices at its theme parks. listen to this. one day ticket to orlando's

magic kingdom broke the $100 mark for the first time. it costs per person, $105 admission. to the anaheim, california park, how is that going? it hovers at $99 up from 96. in 2014 theme parks were disney's highest growth segment with 20% income growth year-over-year. in other wordses people are paying it. disney's stock up more than 30% over the past year. dow component and one of the most widely-held stocks. david: i need to go with my grandparents. i haven't been there a long time. liz: travel and tourism industry set to grow 4%. with 6,000 locations in 30 countries a lot of stocks to figure out which ones to buy, choice hotels could win big. how will they capitalize? we'll talk with the coo. david: plus another arctic blast is coming our way in the northeast. spanning from the rockies to the south. record low temperatures are expected in many regions. we have the forecast coming

next. speaking of weather, part of niagra falls is frozen, prompting one daredevil to become the first person to scale the waterfall on ice. ice columbiaer, will gadd, used only ice hooks to scale the frozen cliffs in the 147-foot section of falls. took i am under an hour. good for him. wow, look at that. ♪

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see car insurance in a whole new light. liberty mutual insurance. david: talk about a downgrade, susquehanna slashing transocean to negative and price target of 12 bucks. that is 30% drop from current levels. susquehanna says there are concerns about the company's competitive positioning which will be compounded by weak environment in the industry. they added transocean has high leverage levels and large cap-ex requirements, liz. liz: david, right about now could be great to be cozy in choice oat hotel, cozy in the stock. it is hitting 52-week high today, after reporting better-than-expected earnings. the stock, up more than 34% year-over-year. so what is behind its record-setting results? what is the hotel chain's outlook for the current quarter?

joining me now in fox business exclusive. we have choice hotels executive vice president and chief operating officer. not easy, at a time like this when the economy is slightly murky. to get these kinds of numbers but you far outpaced both earnings per share and revenue. if you could say one thing at that really drove numbers this time around, what was it, patrick? >> really consumer demand for our product segment. we really saw consumers in the mid, moderate tier come back in droves. hiring going on, employment levels come back to where it is really, great time for mid scale travelers to come back, get on the road again. they're being hired in for jobs. when you have money in your pocket you will take a leisure trip which fits right into our hotels. >> call it i guess the moderate segment? >> correct. >> could you define this a little more? is this somebody who is sort of middle class but aspirational? what do they want in the hotel room? >> one thing they want consistency, cleanliness and

high quality design elements they expect today they see in their homes. if you look what we've done with the sleep inn brand and comfort brand, both brands are refreshed last couple years. consumers are giving us record scores particularly the comfort brand. we're giving consumers what they want. liz: you guys are international because it is choice hotels international. where ex the united states which is best house on difficult block at this point? where else do you see some renewed pickup in strength? >> we're seeing a lot of opportunity for us in europe. it is a market that looks a lot like the u.s. in 1980s. liz: which parts of europe? >> absolutely. western europe, particularly u.k., france, germany. those are strong markets for us. it is a great market for conversion hotels which is our sweet spot. liz: define conversion hotels. >> a hotel independent or another brand and looking for larger chain to join because they're looking for reservation and marketing expertise we bring

them. liz: how much of that type of acquisition activity are you really going to look for in 2015? >> conversion is always a great opportunity for us, both internationally and domestically. what is really exciting in this time of the cycle is new construction environment going on. new hotels getting built. lending environment is finally looking up for investors. we're seeing a pickup. our pipeline which we'll demonstrate what we'll open in the the next year-and-a-half increased over 20% in 2014 which is really fueling our future growth. liz: let me bring up something that hit the tape today. it hit newspapers today. it is a little uncomfortable. that is terror threats around malls. you guys are expecting to build a hotel in sweden very near to the gallery hotel or mall as i understand it. does this kind of thing make it to c-suite discussion with your team as you look forward to, you know, law-abiding citizens just trying to have nice vacation, yet you have to look at things like security and closed-circuit cameras and things like that? >> wees have a franchise sore,

we don't manage and own the hotels. it comes up in our discussion strategically what is important. geopolitical risk is always, thing that we look for that could tip the cycle one way or the other. it happened in the past. way we look at it today, we're so diversified across multicount at thises, multiple brands is, it is not something of significant one-off basis. liz: you guys are hitting 52-week high. up 34% over the past year. congratulations. one of those companies we like to watch. thank you so much. >> thank you, liz. liz: patrick, thank you so much. david, send it over to you. david: thank you, liz. in a move to attract more online shoppers, target is lowering free shipping minimum to $25. they offered free shipping on orders of 50 bucks or more. this follows enthusiastic response to free shipping offer during the holidays. the company is undercutting its competitors.

walmart offer as minimum threshold of 50 bucks. amazon at $35. liz: taking on amazon. david and are i prime customers. we watch this carefully. david: absolutely. >> mother nature telling us winter far from over as a new wave of bitter arctic air is heading our way. how long will this one last? we have the latest forecast. it matters to business around the nation next. david: janice dean knows. as as west coast ports resume regular operations following a labor deal what can be done to prevent another debilitating dispute. here what labor secretary thomas perez has to say. that is coming up. >> i'm gerri willis. coming up on my show at the top of the hour, the white house says it has a plan to crack down on excessive fees on retirement accounts. we'll examine the plan to see if it means anything. that is unwith big stories on "the willis report" in just a few minutes.

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lake? that is where the cold air is coming from. feels like minus 29 in quebec city. close to where my mom lives. she is saying you're a wimp, a wimp, a wimp. what it feels like in chicago, one. 16 in baltimore. dallas, texas, feels like 14 for them that is cold. they are dealing with a winter storm across the south. this is one we're watching across portions of texas, oklahoma, arkansas, louisiana, mississippi. see the pink on the map? that is not a good sign. traveling home this afternoon will be really difficult on the roadways. we're expecting potential for freezing rain and or sleet. look what happens on tuesday. remember a couple years ago when atlanta, georgia got a inch of snow on roadways? it could happen, overnight into tuesday, for atlanta, into the carolinas. this is one of the forecast models. we have winter weather advisories for north and central georgia into the carolinas. you have been warned. it could be a messy one heading

tomorrow. back to the northeast. one of coldest on record for february for the northeast. looks like windchill advisories yet again for this region, with windchills dropping. look overnight. it will feel like minus 29 in burlington. minus 6 in new york. tomorrow morning, 6:00 a.m., a little colder as you head northward. so certainly it has been cold. the good news is, long-range forecasts models show a bit of relief as we head into march. fingers crossed. david: coldest february since 1934, by the way. >> i'm depressed. liz: thank you, janice dean. david: online marketplace allows investors to invest in car loans launched today. maria bartiromo got a chance to speak to the ceo. how returns on auto loans compared to other investments, part of our fox business rewind. >> asset class, auto loans performed very well. they have been very resilient.

even historically through the recession, auto loans as asset class performed very well. that goes to the heart of what the car loan is about. it is about basic transportation. it is a necessity. >> does that mean manufacturing really comes back to the u.s.? >> absolutely. >> u.s. is leading in this kind of technology? >> that is exactly what it means. you will see extreme precision manufacturing coming back. i think this technology is enabling all kinds ever labor that was just not possible. liz: how do we avoid this kind of insanity again? >> well i think they need to start earlier, for one thing. and they need to understand, people often ask, and your question is, a very logical question about taft-hartley. but the biggest threat is not taft-hartley. the biggest threat is market forces. the panama canal is being widened. mexico is contemplating a port with rail connection to texas. then vancouver had their best

year ever last year. they're poised to exceed that this year. liz: the threat is elsewhere. other nations getting ahead of us. catch all of today's interviews on foxbusiness.com. david: time for the number one thing to watch for tomorrow. let's bring back veronica daguerre from the "wall street journal." veronica, what is it? >> i'm watching janet yellen speaking to congress. she will speak tuesday and wednesday. will she leave the door open to wage increase. -- rate increase. will she met things like walmart boosting their wages? will we hear more positive views on that? liz: you look exactly at the opportunity. you know the members about congress will push her when we see rate tightening? >> that is the million, billion dollar question. will she get specific? i don't know. we'll see how far they get into the questioning? david: likely to be contentious. sometimes with people like rand paul? >> it could be. maybe questions about auditing

the fed might come up. we'll see if they want toys, even conservative fed members don't want. that they are pushing on that. may have a veto-proof majority. veronica daguerre, "wall street journal." liz: thank for joining us. "the willis report" is next. gerri: hello, everybody, i'm gerri willis. this is "the willis report," the show where consumers are our business. gas prices are shooting up again. we'll investigate why drivers are paying more and how high these prices may go. >> horrible. >> gerri: deep freeze. winter storm alerts across 14 states. temperatures plunge again. >> national weather service says temperatures are 25 to 30 degrees below normal for much of the country. >> the consumers hit for judgments for debt that isn't theirs. what is going on? clark howard is here to explain. a huge step learning about your health. the feds reverse course, giving go ahead for first ever at