they're fighting back trying to cooperate with the taiwan government. liz: here is the closing bell. those of us who grew up there know them well. david: what are the shahs of sunset boulevard. >> they take beautiful sunsets and anyway, we see how stocks are finishing up. we had been down more than 170 points, down 105. s&p struggling, down about nine. russell 2000, lower by four, about a third of a percent. david: we wanted to mention, one thing we didn't have a chance to with nicole, alcoa down significantly today, down 4%. there are all kinds of meanings, ways to interpret that we'll get into that with our panel. liz: meantime "after the bell" starts right now. let's get to it. david: so, breaking down today's action we have eric marshall. he is from the hodges fund.

we tell us why now is the time to buy misunderstood and out of favor stocks. chuck from i sectors, pulling back positions on financials. he was really bullish last time. he is less so. we'll tell you where he is putting his money. todd horowitz, pitts of the cme. todd, i usually don't like to start with interest rates, we had a lot of bulls, people very bullish on the markets, saying there will be no interest rate rise. you're bearish on the market and but you agree with these guys saying there will knob interest rate hike this year. why not? >> hi, david, liz, bond is going up, taiwanese and chinese governments going up to. interest rates can not go up from here because the u.s. dollar is so strong and the spread between our interest rates and the world economy, the global economy is getting so wide, all that is going to do if they raise rates here, it will force the dollar even higher

which will immediately put us into not deflationary times but into deflation. our commodities space and everything else is already struggling based on what is going on with the u.s. dollar. we can not support it at these levels. banks are in trouble. our insurance companies are in trouble but at the end of the day right now the fed has to walk away. as much as i wanted rates higher all this time i -- david: agree with the bulls. >> they can't raise them. i have to agree with the bulls. liz: esther george of kansas city fed two hours ago came out with comments in a speech saying raise them. let me get to eric marshall, in the end, we had insurance companies, we had hospital stocks hitting big highs on obamacare questions as far as the supreme court is concerned. what else looks good to you? step outside of today and talk about this month that's coming up. >> you know at the hodges funds we think stocks look very attractive relative to other asset classes in the market but

in this environment you can overpay for things. so you really want to look for stocks maybe misunderstood or somewhat, underfollowed in some way. david: all right, chuck, as we mentioned in the introh, you were, you were very bullish on financials last time. you're less so now. what happened? go ahead, chuck. >> well the market of course, valuation in the market, valuation in the market has really gone up and, has hit all of the market. we're starting to get concerned that the market is going to be focusing on companies with strong earnings and we don't know if the financials as a group are going to continue to have strong earnings or not. liz: but, chuck, either way, when you don't know you still have to make a move here. what is your move? >> well, we have, as you know, from our, my previous appearance we've been very positive on the market. we are positive on the market.

we still want to overweight health care and technology but we have taken chips off the table. in fact we had the lowest amount of stocks post-mbt, postmodern portfolio theory aggressive allocations. we're taking money out of financials. and we had an overweight in utilities which we have done away with. david: all right. eric, you would like to put some money into materials but i have to mention to you and ask your opinion what happened to alcoa today? down about 4%, isn't that bad news for the materials sector? >> well, i think it depends on where you're looking within the material sector. if you look within that group, there is actually pockets that are going to do very well because of strength that we're seeing here in the u.s. and in north america, things like cement and gypsum wallboard. david: let me ask you to be specific on alcoa. what is it about alcoa that does not apply to all the materials?

>> well i think alcoa is unique in that the aluminum market is very much a global market influenced by the dollar and currency and a lot of moving parts there. i will say looking out over the long run for alcoa, the aerospace industry picking up and then also, in the ways that they are now tied to the automotive industry, do play a big part in them seeing incremental demand here this year. >> let me get to todd. todd, you were on the floor today watching the action and it was mostly done but what brought us up off the floor? at one point we were down 175 points for the dow jones industrials. i'm not trying to challenge the verdict of the markets that would be pointless. i'm just trying to figure out what happened today to spin it forward for tomorrow. for you, you're the guy who knows what happened. >> if you look what happened, the real thing to watch is the vix index, the volatility. all day long, this morning when

markets selling off, the vix were up only a point. got back over 15. somebody called me, see the vix over 15? i said so? markets are very comfortable and complacent air about the markets because of low interest rates, for whatever reason. because they sold off, fear struck early but wasn't enough. markets when they're dull, not a lot of volume, volatility is waning, markets hit higher. we had much bigger rally before selling off late after the fed beige book. the markets are no concerned. they're very complacent. everybody knows the markets will only go higher from here because of low interest rates, whatever reason, people are buying, money is snowing in based on volatility. watch the vix, if the vix stays low the markets will not break. that is the key strig trigger to watch. falling vix into a slow market means the market will go higher. david: good advice.

chuck what is happening with the real estate market? frankly it is a very tough sector to get a fix on. i know you have etf, real estate etf, but what is it exactly happening with real estate right now? >> well, real estate tends to outperform when the economy is doing well and interest rates remain low. even when the fed starts increasing interest rates it will probably still outperform. of course the valuation in real estate has, are very good compared to stocks. nasdaq 5000 and the stocks hitting new highs but real estate indexes are still not back to its prerecession highs. so, in our strategy we own the i-shares, u.s. real estate etf. there is 110 securities in it, very well-diversified, yielding 3.4%. and a good thing to diversify your stock and bond portfolios. for a little more intrepid

people we have in our liquid alternatives strategy the spydrs dow jones international real estate strategy. it is yielding 3.3%, 135 different types of real estate companies outside the u.s. and it's a good, a conservative way to play the rebound in the international markets. liz: that dovetails pretty well with one of eric's picks and that is eagle materials. eric, eagle materials is what they call a derivative play for the housing market which would then be for the real estate market too. you call that a misunderstood, not necessarily stock but misunderstood sector. why? >> this is an area that is unloved. this company makes cement and gypsum wallboard and they also have a small part of their business tied to frack sand that caused the stock to trade well off its highs here. we i think the company just valued on its cement and gypsum

wallboard business very much tied to housing an the construction markets represent a great opportunity regardless what happens in the energy sector. so that's a stock we think is unloved misunderstood we're finding an opportunity for in the hodges fund. david: good stuff, guys. eric marshall, chuck self, todd horowitz. appreciate it. liz: if you're looking to simplify your portfolio, do a little spring cleaning. bikini season is coming soon we hope. our next guest says slim down the your portfolio. he says only five investments you need to own. david: that is a slim portfolio. investorplace.com editor jeff reeves is with us. i will start you off with an argument here. biotech, i just read a piece how pricey biotech has become and how much froth but you still see opportunities there. why? >> i do still see opportunities. i want to say for the record i don't think these will be swing

trades. people have to be patient with it. i talked with you guys before about the demographic pushes behind health care. it outperformed in multiyear periods. i thinkqaq)u . liz: we were overstating it. five etf's with lots and lots of different stocks with them. weighs point that out, to to your next one. aside from the smaller biotechs, i like that play actually. you say guggenheim equal weight technology fund. what make this is different from just buying a bunch of big-name tech stocks?

>> yeah, i think it is really, what makes it different from a bunch of big-name tech etfs what makes it attractive to me. people have to look at the fine print. understand what you're buying. we talk about nasdaq 5000. a lot of nasdaq 100 funds are nasdaq and apple and microsoft. why not just buy apple and microsoft? i like this fund because it is designed to be equal weight. it is broadly diversified. think technology will have a good year. it outperformed in recent history. as economy picks up in momentum, i see spend, consumer spending remains strong. i think it will benefit the tech sector. i don't want to put eggs in one basket. if i want to buy apple i guess i could, with a diversified portfolio with handful of etfs it -- david: iyw, that etf, that is 21% apple. you're absolutely right, you want something more diversified. dividends, we know about dividend appreciation.

vanguard has a great one. tell us about. >> it is funny, big discussion on market watch and twitter. stocks have more yield, etfs have a lot more yield. vgi i like, not just about the quality but couldn't of the yield. dividend achievers make up the etf. companies that raised dividend for 10 consecutive years. yield is lower so total return isn't as high. these are high quality stocks with stanchable dividends consistently raise year after year. if we get growth with some biotech and technology companies out there i think you want a very firm foundation in these dividend stocks. you don't want to just chase high yield reits or junk bonds. you want stability in the long term. get is cost basis of .01 for expense ratio. 10 bucks for 10,000. that is van guard. very stable cheap fund. liz: do not overpay fees. talk about growth, get internationally.

everybody should have a little bit of international in the portfolio. where do you go for that? >> yeah, i think there is a lot of value to be had overseas right now. some people on the market panel discussed this earlier. i agree with that notion. where will you go if you don't want to double-dip, don't want to get large cap stocks in other etfs or mutual funds out there, i go with xus fund. vxus. xus means everything not in america. this is one-stop shop. it is about 50% in developed markets like europe and japan. so you have got those big large cap companies happen to be in developed markets elsewhere but a little bit of emerging market exposure in latin america and asia-pacific. david: good. >> i think people should have emerging market exposure. you shouldn't be too overweight. i like this fund because it is 20% in emerging markets. david: as you can tell, jeff has a lot to say. if you're keeping count. there is a fifth. preferred stock. if you like preferred stock, jeff suggests pff look that symbol up. preferred stock etf.

sorry, jeff, we ran out of time. thanks a million, buddy. >> that's okay. liz: jeff is at investorplace.com. the mighty, mighty dollar smashing the euro sending it to 2003 levels. david: oh, nice time to go to europe. liz: been a while since we saw that the move has a huge impact on companies around the world, even on warren buffett. we'll break down the losers and the winners aside from those european backpackers. david: forget warren, i can buy wine cheap. good french wine is on sale. plus google thinks you are spending way too much money on your cell phone bill and wants to help you. they have a way that you have to hear about that might save you hundreds of dollars a month on your cell phone bills. liz: plus stock payment? a big bruise for apple pay as new reports show incidents of fraud on it are rising. david: uh-oh. liz: will it drive away consumers or is it even apple's fault. tell us what you think. would fear of fraud keep you away from any kind of mobile

payment including apple pay or does the convenience outweigh the risk? send us a message on facebook or tweet us @fbnatb we'll read some of your answers. come on, bring out your writing pens. we'd love to hear it. your answers coming up. ♪ , we can help guide your retirement savings. our experience is one reason 100% of our retirement funds beat their 10-year lipper averages. so wherever your long-term goals take you, we can help you feel confident. request a prospectus or summary prospectus with investment information, risks, fees and expenses to read and consider carefully before investing. call us or your advisor. t. rowe price. invest with confidence. every truck can climb a hill. every truck can haul a trailer.

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liz: wow, latest developments here. investors continue to chop away at lumber liquidators's stock, ticker symbol ll, falling another 12.6% today as a u.s. senator asked for a federal investigation into a report that showed, this is "60 minutes" report, that showed some of lumber liquidators's wood flooring coming in from china had dangerous levels of cancer-causing formaldehyde. senator bill nelson of florida. he asked three federal agencies to test the formaldehyde levels in the company's laminate flooring materials brought in from china of the company said we do that all the time but "60 minutes," are you going to question anderson cooper, i don't think so? he did his homework. senator asking lump diana olick whether the. lumber liquidatorses whether they made false claims. the company has been down for three days. david: bad, bad bad. americans, spend more than a thousand bucks a year on their

cell phone bill, that is a lot higher than it has to be. google is resumed for a wi-fi service much lower than most cell phone bills. rob enderle, i read this story the dade after i paid my monthly mobile phone bill. it is going through the roof. what are we talking about here specifically? how does the wi-fi method differ from the mobile plan for example, that i use? >> well, currently your plan is based on the idea that most of your calls are going over the traditional wired network. your data goes through a data plan. that is where the carriers gouge you. they know they have already paid for all the phone call infrastructure. so they don't have to spend any money for that. they have to buildout the wireless infrastructure, wireless data infrastructure. they charge you through the teeth for that service. google flips it around. they basically just charge you for the data service. you push your calls across the

data service, kind after voip thing, called voice over ip the end result you get same kind of capabilities, slightly lower quality maybe. some voip calls are actually better. the end result is a much lower bilection let me stop you there. i understood 70% of what you were saying. >> sorry. david: worried 30% i didn't understand was the critical part. bottom line for me, you say it works. the quality is just as good, lot cheaper. percentage wise how much would i save per month? >> well the services in place now that provide similar kinds of capabilities run anywhere from 10 to $30 a month that includes the data. david: wow. >> so if you're like me, probably spending something close to 120, maybe $130 for same service. david: $130 a month, yeah. >> so the cost is far less. and google gets there not only using their relatively massive infrastructure that is already in place but also licensing from

t-mobile and sprint as mvnos do. as a result you get pretty good service for a lot less money. david: google can afford to lose money if they go into the project for a long time because they're just printing money. they can undercut their competitors. are we sure, certain, google will do this? they haven't yet said they're definitely going to do it, have they? >> well they have said years ago they said this was part of their plan. in fact their plan was to provide free internet connectivity. in a lot of towns today the wi-fi in town is supplied by google for free. their end goal is actually to provide this for free. so the question is, whether they will do that immediately or charge like the other services charge. remember unlike the other services they make a lot of ad revenue. i mean massive. pretty much control that market. david: they do print money. literally printing money. >> they do. >> we don't have much time. i have to usher you along here. advice to folks out there.

because if i have, i do not want to buy into a locked phone. that is, get a phone locked in for two or even more years with a particular plan. because all of this is just about to come on wire, right? it is not just google. once google opens the floodgate all the competitors will have to do the same. if i buy a phone, whether iphone, whatever, i don't want to buy a locked one, do i? >> no. you would be very wise not to. in fact other companies in market provide services for that kind of money. you buy unlocked phone. pay a little more for phone, a lot more for phone in some cases but end result you get massively lower monthly bills. so the savings you get, get to break even point in matter of months. david: folks, this is one reason why i know you don't see low inflation when you go shopping at grocery store but overall in the economy these cost are going to be coming down. all competitors will do it. it is great for consumers. it will keep inflation down in this country. it is only good as far as i can tell.

rob enderle, you're only good. good to see you again my friend. thank you very much. >> my pleasure. liz: april in pairs, we've heard that song, right? well april in paris is looking a lot cheaper than it has in years, thanks the euro 11-year low against the dollar. so if american tourists are the winners, who are the losers in the euro plunge? that's next. apple losing just a bit of its shine as fraud incidents wreak a little bit of havoc on apple pay. one expert says the fraud is tricky to find, growing like weeds, and boy, apple needs to do something to stop it. ♪

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>> first we'll get to parity, so they will be equal. the euro and dollar will be the same. liz: that was howard lutnick says go dollar. he is bullish on dollar an

continues to be. he says the dollar will eventually hit parity, one for one for the euro. we're getting closer. the euro fell to 11-year low, $1.11. when i was there it was $1.17. who wins and loses from the big drop? paul vina, jared levy and fox business's lizzie macdonald. we're not talking about backpackers staying in those who have develops, student housing -- hovels. i want to get to jared who, is the winner? anybody that want long the dollar but who else? >> who is the winner? it is funny, right. i thinking more on losing side. the winners here in my opinion are american travelers obviously, right? companies like expedia will benefit. americans go to europe more frequently. the dollar goes farther. europeans will stay in europe, africa.

a company that might get hurt is mcdonald's. big multinational company. shaky on the fundamentals. we're hearing new ceo is getting paid 1/3 old ceo ousted. mcdonald's has problems. they could suffer from a higher dollar. liz: they could. paul, i look at this, first thing i think, if these companies can not hire somebody to help them hedge against currency fluctuations they're just not operating smart, so who is the loser? >> liz, you think to yourself, euro's down, u.s. dollar up, the losers have to be american businesses and winners have to be european business. liz: no. >> the world does not work like that it is not all cut and dry. liz: yahoo! and apple learned how to hedge pretty well. >> they're all going to, they have this pretty well figured out. what are we talking about too? move from the top 1.30, now 1.15. it is not a huge move. there is a benefit, there is a

distance there, look, biggest winners might be the backpackers. seriously, no kidding. they're the most price sensitive people traveling. those are people who might really benefit. huge multinationals that do so much business. this is not a gigantic move. liz: lizzie, remember the book, europe on $5 a day? remember the book in our ear raw, who are the winners and losers here? >> try new york city on $20 a day or 100. losers, caterpillar, microsoft, united technologies were some of the losers as the dollar strengthened because they were exporting into the eurozone. i like one analyst said watching eurozone grow is -- my hair is growing faster than the eurozone. we're showing right now, lizzie, the companies that will benefit because these are exporters out of the eurozone, meaning as the euro weakens they get to translate their sales and in u.s. dollar or overseas dollars, currencies. other currencies stronger.

talking anheuser-busch, companies, pharmaceuticals like shire. those companies, ubs, goldman sachs, watching some of these plays as well. liz: does it surprise any of us there was somebody watching the euro weaken, let me figure out how to play this? berkshire hathaway's warren buffett, announced today, not really announced but broken bit journal, buffett making raising $3 billion euros for potential acquisitions in europe. let us help warren buffett out. which european companies do you think he should buy? paul vina. >> if you're buff but, what do i buy, i buy what i know. what do i know? i know on the shelves of the supermarket. barilla pasta. family-owned business. profitable, long-standing stable. i have no idea if they're really for sale. you're asking for pam compel. that is example of kinds of businesses in europe. liz: liz, he want as big one.

he bought a german motorcycle company, half a billion dollars, that is a pittance for him. what have you got? >> that's exactly right. i think warren buffett likes family owned companies n eurozone, you see family-owned businesses, they tend to be financially conservative, little debt, solid corporate cultures. come up with names you will hear, admiral group and bunch of others, lizzie. by the way family-owned businesses are less beholden to wall street quarterly targets. they are patient, wait for long term. they have strong corporate cultures. i think he will go for a family-owned business in europe. liz: jared, he wants companies where people running them continue to run them. it what is your pick? >> he does it because it is cheap money. >> what does he buy? give him an idea. >> insurance companies. goes after insurance companies in europe. insurance holdings here in the states reinsurer, something like that. liz: i want to combine, this is

$13 billion market cap company. they make materials and elevators. he want as big fish, guys. he calls it a whale. next on the panel, new reports on increasing fraud on apple pay. is this a speed bump for apple or a serious stumbling block? david? david: justices heard arguments over major portions of obamacare with very far-reaching implications. inside the courthouse justices appeared to be pretty divided on the ruling. so what is next? >> one auto giant is warning some of its dealers may be cheating potential buyers. could you have tried to buy from one of these dealers? we'll tell you which ones straight ahead at ally bank no branches equals great rates. it's a fact. kind of like mute buttons equal danger. ...that sound good? not being on this phone call sounds good. it's not muted. was that you jason?

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at ally bank no branches equals great rates. it's a fact. kind of like shopping hungry equals overshopping. liz: apple pay in its young, young life is getting a little bruised. banks reportedly seeing growing incident of fraud on the system. this is just a small speed bump in early stage or potential derailment for apple's mobile payment system? we bring back our panel. liddy, what do you think? >> i think it's a speed bump. i think banks are more at risk, not consumers or apple pay. this is about fraudulent or stolen credit cards make their way to the apple iphone. you virtually have to clone the iphone and get a stolen credit card loaded into the iphone and then inspect apple's pay

before they see a hit. liz: my head is spinning. that is four steps too long. i agree with liz, paul. really this isn't a apple problem. more of a bank problem? >> i agree with both. it's a speed bump. for better or use, people are used to the fact of fraud and cybersecurity and these issues. this will not derail apple, people love the systems, people that use them. this will be a speed bump. they will figure it out. it's a dance between banks and apple and criminals who always have it. liz: apple's stock still close to 52-week high. all-time high. got clipped half a percent or so. jared, maybe question are competitors more dangerous to apple pay than these fraudsters? >> no. apple is a buy here by the way, this has absolutely nothing to do with apple pay. i talked to sources about this there are extremely secure. think about it. you have something able to track a criminal, right? they're holding electronic instrument in their hand.

i think there will be if apple could do this right, there might be a way to turn around to say, hey, we're able to capture guys, get more information. liz: our panel settled that question, not a bruising here. get to kate spade with the little purses. what? from purses to furniture. kate spade announcing pricey line of furniture, home goods, wallpaper, bedding. can kate spade become the next true lifestyle brand like rainfall lawyer en? kate or rainfall, liz. >> it is good for style simplicity. i'm not sure it is the next ralph lauren. liz, they're still in experimental mode. feels like rate spade is not a luxury brand like ralph lauren. they're in between, i hate to say ikea, they will go the furniture way. liz: she was hot early in 2000 and went very cold and somehow got great again. >> i hate to say i'm an authority on kate spade. i don't know how that is possible but i do believe there

is a place for them. they may not be ralph lauren but down here, restoration hardware, pottery barn, everybody's house looks same. new entry of kate spade, new partners, ej vick to, a couple other partners will make good quality products and people will buy them. you know what? i think it's a good move. not crazy about the company but i think it is good move. liz: look, $8,000, couch, paul, her price points are up there. paul williams, they're hot. there is a lot of out there to choose from. >> it is no so much can kate spade take on ralph lauren, can kate spade follow what ralph lauren did. they started out people say they make clothes but, managing your brand, what you make, your style, moving into something else and doing that effectively. people like kate spade. they like the bags. pretty loyal to it. just a factor managing transition into selling different product that has

different aesthetic. liz: i'm graduating from fisher price meets ikea. thanks to all of you. paul vigna, jared levy, liz macdonald. david: we have stock alert. bristol-myers a big mover. stock hitting 14-year high as fda approved one of its drugs as a treatment for lung cancer, lung cancer one of the leads causes of cancer deaths. puts company well ahead of rivals merck and roche into the kind of marketing for this kind of product. liz: coming up one major automaker is warning potential buyers of some of its deal remembers cheating customers? next we'll tell you what you need to look out for here. david: also a massive challenge to president obama's health care law goes before the supreme court. can obamacare survive another tweak? the very latest from d.c. coming next. ♪ at mfs, we believe in the power of active management.

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liz: the u.s. supreme court hears a second major challenge to president obama's health care law. david: rich edson joining us now from washington, d.c. rich, who are the swing votes here? there was a lot of focus on kennedy today but it was robert who is was really the swing vote in the last ruling that was for obamacare. are they both swing votes or

what? >> well, chief justice roberts was the swing vote in the last case, david. today the swing vote was the swing vote, anthony kennedy is one who questioned both sides, seemed to have statements supporting both the plaintiffs and the government in this case. when it comes to chief justice roberts he really didn't say all that much today. you can raps infer some comments were for those against the government for overturning a piece of the health care law but there really wasn't enough substance to make that determination. he is really not tipping his hand. kennedy tipped his happened both ways today. liz: it is interesting, there are some critics, people who are for it, but one said if we got rid of it, it would simply go back to charity care. that is an analyst who looks at insurance companies. insurance companies and hospital companies skyrocketed today. >> yeah. they must believe perhaps this is going to be upheld. these are companies that are going to receive billions of dollars, are receiving billions

of dollars in subsidies. if it goes against they government, it is up to congress to figure out a way to patch this or administration. insurance companies and medical companies would be losing billions of dollars in subsidies. some estimated eight million people would lose insurance credits and conceivably unable to purchase health insurance. so they have an interest in this. they want the law to be upheld. administration said today they have no contingency plan. this is the same administration said there was no contingency for the sequester would never hit and of course the sequester hit. david: subsidy, means taxpayer picks up bill, mr. and mrs. taxpayers. thank you, rich. >> you got it. david: electronic health records changing entire industry, if you're not using them already you're using them for everything from health forms to notes to doctor visits. liz: what happens when doctors, patients the data become connected all on one single platform? here ace guy who knows. ryan howard, founder, chairman

and ceo of a company called practice fusion which has basically distilled 100 million patient records? is that correct, sir? this is an incredible found of information for doctors or at least it could be right? >> that is correct. thank you so much for having me. liz: sure. how does it work? >> so, it works by, right now doctors adopt our electronic health record system use the product to manage all aspects of practice. scheduling, charting. no longer do that electronically. it is all digital. front office staff uses it. nurses use it for intake, gathering vitals, weight, blood pressure. while doctors make decisions about patient's health, use to it write prescriptions, connected to 70,000 pharmacies, so cvs and walgreens. connected to major labs, quest and lab corp and imaging centers. use it throughout the course of the entire visit. david: it is through the drug companies you make the money.

we should mention by the way this is free. this is very expensive app. probably have to spend tens of thousands of dollars for it but you offer for free because you give advertising to major pharmaceuticals. what worries me as a patient, i'm already concerned that obamacare getting my health records out there. is there any way the drug companies would automatically have access to the kind of stuff doctors have? can you segregate that information from the drug companies? >> so first and foremost the company practice is incredibly mission driven company and to connect doctor's patient and date to help save lives. david: i want my data secure, will it be secure with your system? >> what we see that doctors and patients are will unwilling to pay for technology. that hasn't tried. it doesn't work. we effective come up with a model radically different where other major stakeholders in the marketplace, pharmacies, labs payers as well are basically footing bill for this. at no time, no private health information about you or anyone

else is ever shared with any of those partners to answer your question. david: so i'm not getting all these emails and notices from drug companies saying i know you're diabetic, therefore you need this? >> absolutely not, never. david: okay. liz: ryan, i think it is great that more information about where the patient's been, what tests have been done, that way you don't repeat tests. one doctor who doesn't know another doctor knows what those doctors have done on the same patient. >> yep. liz: i just worry that too many people are looking at computer screens and not at patient. isn't that an issue at this point where people are, that doctor, in the end you have got a patient who has real issues that would really only be seen if you stare at that patient, talk to that patient? david: great question. >> there are quarter of a million death as year simply because information is not available. a third of all spend of $4 trillion in health care is because of redundant tests. electronic health records inherently solve that issue. we find doctors use tablet

technology and getting much more data from the patient up front. the check-in, when you as the patient use the system, you do that at home. the doctor gets that data beforehand. they review it earlier. that makes more space for the doctor to actually intervene and interact with the patient at point of care. so no matter what they will be charting, whether that is paper or digital format that will happen no matter what. data entry is much faster on the system. we think that tends to give much more space for doctor and patient to connect during the actual visit. david: you have a lot of believers. $160 million of startup capital. a lot of people putting their money where your mouth is. congratulations for that. best of luck to you, ryan howard. >> thanks. have a great day. david: appreciate it, you too. unlikely warning from a car company to car buyers. beware of our own dealers. wait until you hear who this is coming next. liz: from jobless claims to factory orders, much more, we have got the number one thing you need to watch like a hawk. that's next.

♪ >> hi, everybody, i'm gerri willis. coming up on my show at the top of the hour, big changes at mcdonald's a new policy for chicken. that is just one of the big consumer stories coming up on "the willis report" in just a few minutes. ♪ you can't predict the market. but at t. rowe price, we've helped guide our clients through good times and bad. our experienced investment professionals are one reason over 85% of our mutual funds beat their 10-year lipper averages. so in a variety of markets, we can help you feel confident. request a prospectus or summary prospectus with investment information, risks, fees and expenses to read and consider carefully before investing. call us or your advisor. t. rowe price. invest with confidence. "what is it that we can do that is impactful?" what the cloud enables is computing to empower cancer researchers.

it used to take two weeks to sequence and analyze a genome; with the microsoft cloud we can analyze 100 per day. whatever i can do to help compute a cure for cancer, that's what i'd like to do.

96% of them are doing rain-fed agriculture. . they're all competing with each other; they're all making very low margins, making enough to survive, but not enough to get out of poverty.

so kickstart designs low cost irrigation pumps enabling them to grow high value crops throughout the year so you can make a lot of money. it's all very well to have a whole lot of small innovations, but unless we can scale it up enough to where we are talking about millions of farmers, we're not going to solve their biggest challenge. this is precisely where the kind of finance that citi is giving us, is enabling us to scale up on a much more rapid pace. when we talk to the farmers and ask them what's the most important thing. first of all they say we can feed our families. secondly, we can send our children to school. it's really that first step that allows them to get out of poverty and most importantly have money left over to plan for the future they want. david: one major car company issuing a warning that some of its own dealers are scamming buyers.

liz: jeff flock is digging into these pretty shocking allegations. jeff? >> sometimes company will boost sales for vehicle saying there not enough available. in this case really not enough available and dealers are not coming clean about it. the vehicle is the dodge hellcat. look at this baby srt version, street racing technology version of the charger and the challenger. these are already high performance cars but these are 707-horsepower. the most powerful muscle cars ever built. as you might guess there is great demand. but apparently some deal remembers taking orders for these vehicles without having any conception that they're going to get them and charging people between 10 and $20,000 just to put the order in. then they're not even taking that money off the price. they're just charging a premium. take a look at what chrysler did, unusual blog post from them. they said a handful of dealers appeared to accepted large number of srt hellcat orders

without regard to available supply. an opportunity for unscrupulous or business or individuals to take advantage of customers. usually you will never see a manufacturer call out its dealers. they try to inflate demand for karzaiing they're scarce. at this point they're saying no, we don't have enough cars. you're selling more cars than we got. nice problem. liz: doesn't tesla have a long waiting list? david: i want a hellcat. >> 2.9 seconds zero to 60, baby. david: powerful car. jeff flock, thank you very very. we appreciate it. liz: we're asking you if fear of fraud will keep you away from apple pay. spencer says better get acclimated. david: he says i'm dropping apple pay right now. liz: he says too many credit card people have my info. less the better.

david: he says cash is convenient. times are achanging my friend. liz: paul vigna with number one thing to impact your investments tomorrow. >> bitcoin is convenient. jobs, weekly claims. monthly jobs report. tomorrow you get the stress tests from the federal reserve. this is the first results for 2015. interesting what you probably not going to see tomorrow, are any big surprises. that is becoming a real problem. you had a treasury department research group this week come out with a report saying these tests have gotten too predictable. they're not really showing you what would really happen in a real stressed situation. it is a criticism. it is a legitimate criticism. been a criticism all along. so look at the stress tests. take the information. see what you can get out of it but understand that these might not be telling you exactly how the banks will respond in really stressful situation. david: right now the problem they have too much capital on hand. they're not giving enough out.

>> they have capital on hand. you will find out how much. they thought they had good cap it will in 2007, david. david: they didn't have dodd-frank back then. we have to leave it at that. paul, thank you. "the willis report" is next. >> hello, everybody, i'm gerri willis and this is "the willis report," the show where consumers are our business a major test for obamacare today at the supreme court. the latest challenge could kill the president's health care law. follow the law, mr. president. courts do your job. recognize at the end of the day the people make the decisions. >> we'll discuss the republican plan to replace obamacare with congressman tim murphy. what's hillary clinton hiding? new details on her use of private email accounts to conduct official government business. >> she violated the law for four years. gerri: lumber liquidatorses under fire for selling