>> not a big market day. [closing bell ringing]. not a big loss or win. kind of nice to see. david: exactly. we'll talk about politics, how ted cruz's plan to get rid of the irs might affect you. bells are ringing on wall street. look at all indices, basically flat on several of them, coming to the downside as we enter into settling of these marketings. when i came in it is up. now it is down. dow jones industrials down 10 points. s&p down a little greater percentage. nasdaq is biggest loser of the day. cheryl: russell hit all-time intraday high. for small guys, nice to serious sell 2000 take a little bit of a jump. losing steam unfortunately. david: "after the bell" starts right now. stay tuned. david: breaking down today's action we have mike binger from gradient investments with a big contrarian call. joe duran from united capital

advisors telling us why he is putting money overseas and where exactly he is putting that money. also alan knuckman in the pits of the cme. alan, i want to start with the dollar. what i can't figure out, if the fed will raise rates, sounds like stanley fischer's perspective that will happen this year, why is the dollar getting weaker right now? >> buy the rumor, sell the fact. it is reality, it will happen but we've been talking a long, long, long, time. that is why the dollar where it is. i will not call a top on the dollar or a pot on the euro but look at technical reversals -- bottom. we had lower close on monday and lower close on weekly basis. that has been very supportive for oil. oil also had a key reversal last week, making new lows and higher on wednesday. if we get follow through you may see stabilization. speaking of stabilization, look at the stock market today, a big

surge last week. not much happening today but holding strong. cheryl: but, joe, one of the things that propped up the market, of course affecting the dollar is stimulus. dollar continues to strengthen. euro continues to weaken thanks to stimulus. but you like stimulus. you're telling us we need to be watching central banks around the world? >> my personal feelings about stimulus doesn't matter as much as what the economies and stock market does when you have stimulus. and the good news we know what happens because we have a recent example here in the u.s. you have reduced volatility, higher stock prices because more money, basically creates the money, needs to go somewhere. there are very few places to put the money to work. interest rates in germany, 20 basis points for 10-year bond. that really creates very few alternatives. what you see europe is in the beginning stages of creating stimulus. the u.s. will be much slower than we thought. i think that is what you're starting to see in the dollar. this is possibility we'll not

get a rate hike, other than a tone rate hike in september, maybe. but it is not the beginning of a real stimulus increasing because our economy is not strong enough yet. david: if the stock market is only place to go, really, mike, you look for sectors. you look for sectors that have been beaten down. excuse me. utilities have come down tremendously over the past three months. that is where you're putting your money, right? >> yeah. i really think that will be a good sector going forward. as your previous guest was stating i'm in agreement, we think interest rates will be lower than longer than people think. our forecast is for a flattish market this year. if you can get a nice dividend, like the utilities provide, that goes a long way towards bumping up the total return in a flattish type of market. cheryl: interesting, alan, look, if predictions are correct, we had several people come on fox business to say, the fed will not do anything. they can't because the economy isn't strong enough. that was joe's point.

alan, if we don't get any reaction by the fed do you think the economy could stablize this year like it didn't do last year? >> well, it has stablized. i know we'll have points of discussion on that, but the economic indicators are getting better month after month. maybe not last couple months that greatly but year after year. the interest rate issue is something we talk about more instead of focusing on what is important to the markets are the earnings. that's what we're starting to get april 8th. earnings season kicks off. i'm looking for banks to lead the way. they should do very well this quarter as far as trading operations go. that is what dragged them down last quarter. cheryl: it was horrible. the bank numbers were awful akin to trading revenues, alan. it was terrible. >> yeah. this quarter we had a nice run-up in february. i think bank boys made good money. that will reflect and kick off earnings season. that will make everybody smile once again. david: joe, we may be getting better but europe looks like a mess. it is only getting worse.

greece certainly looks like it will not make it despite mario draghi trying to pump them up. i don't see any success. spain, you have a marxist makes the guy in greece look like a free market guy come online. you have a situation, italy is getting worse. why would you go in there with all these potential crises right on the doorstep? >> because you make money when things look riskier. you do not make money when things look food. now, again -- look good. david: but you don't make money when things about to fall apart, do you? >> no, it is not going to fall apart because again, you have too much vested interests in things working out. all they will do now that he have the structure is pour more none any into the problem. all that will do is find its way to the stock market. that is why you see amazing moves in germany and spain even. the stock markets in europe have been screaming this year. and why? because all the news is in front of us.

everybody knows that no one is going to let it fall apart. if that were going to happen or it would have happened last year or year before that or year before that. what you have to do is say where are the opportunities to see actual earnings growth. from the levels we're at in europe there is interesting opportunity there. again it will not grow as quickly as the u.s. but expectations are much lower. >> real quick i want to show our viewers your picks. they're interesting. a guest last hour said there is a lot of opportunity in europe and japan. here are etfs, the funds you think, our viewers should be taking a look at. this is really a safer way to play europe, joe. spread it out. >> well, i think what you want to do is own etf. i would not bother getting a etf that is hedged because we've seen already the big dollar advance. from here it is really a coin toss whether it goes up or down. earning a nice etf like vgx is good example of a low cost

european etf. i think emerging markets are another non-participatory member. if the decline is finished we hover around parity with europe, i think emerging markets have a lot of risk priced in, a lot of which has happened. nevertheless you might have pretty interesting environment if the dollar stablizes. there will be a flair u you want to own very diversified emerging market etf. those you don't want to put all the money there, as far as money. we agree it will be a fairly sluggish u.s. stock market. a lot of volatility. i think those are two areas where you could have -- david: if they survive. i question, joe, they're still, jury is out whether still countries will survive as a part of europe. mike, what i love about your picks you picked beaten down stocks, beaten down sectors. one of those stocks is alibaba. they have been hit awfully hard. what is it in alibaba you see

hopeful right now? >> i think we have arguably, one of the best internet commerce platforms in the world in alibaba. i think investors are missing the forest through the trees or maybe the trees through the forest but i think they're nitpicking this take rate or lockup expiration. when you have a company that is growing 30% plus a year on the top line, when you have an addressable market in china is just going to get bigger and bigger as they expand around the globe, i think you have a cheap company, all these things work out, as long as the company keeps growing. i have no doubt it will. i think it is a golden opportunity to step in to buy the company that will make investors money for years and years. david: mike binger, joe durant, alan knuckman, we'll check back in a couple minutes when s&p futures close. thank you very much. good discussion. cheryl: thank you, guys. first out of the gate, republican senator ted cruz from nexttexas announcing he is running for president. david: the senator made it official in front of a large

crowd in lynchburg, virginia. fox news carl cameron was there. set the tone for this meeting. >> hi, david, well, mr. cruz the announcement was at liberty university here in lynchburg, virginia. the biggest christian school in the country and they say in the world. monday, wednesday, friday, the convocation brings entire student body, all 10,000 into the auditorium. that is where ted cruz made his announcement. historic it was at liberty university. it falls on the fifth anniversary of the affordable care act. as he has done ever since he got into the u.s. senate he promised to repeal if elected president or do whatever he can to get rid of it. it happens to be the 240th anniversary of patrick henry's give me liberty or give me death speech. for ted cruz who fancies himself tea party conservative with pretty high octane all the right cards seemed to fall in right place for him to do it today. it puts him ahead of pack in

terms of the announcements which means he will get some spotlight. on april 7th, kentucky rand paul, will announce in louisville. marco rubio, the senator from florida, will announce in a couple weeks. ted gets opportunity to stake out the conservative ground and as the standard-bearer. as his tea party streak, listen to had and his references to the constitution. >> this bizarre fight, the answer will not come from washington. it will come only from the men and women across this country, from men and women, from people of faith, from lovers of liberty, from people who respect the constitution. >> there was no talk of his rivals and there has been some commentary from his rivals today, his rivals, back at him. for mr. cruz this was the opportunity to sort of get the limelight. he trails in the polls, low single digits whereas, jeb bush, scott walker, a couple of others are in double digits. comes now the big race.

he spends a couple days in new york doing media and back to the first primary state new hampshire and some early voting states. for cruz this is exercise trying to make himself look as the most conservative possibility, shall we say, conservative alternative to jeb bush. listen. well, sorry. thought we had a sound bite there. suffice it to say he is making an appeal here at liberty university as a full spectrum conservative, socially conservative, fiscally conservative and he likes to talk about the constitution in a very literal way. so, for ted cruz will not be alone in the campaign very long. he needs to raise 40 or $50 million to hope to be competitive. to put that into perspective, jeb bush hopes to raise 100 million. david: sounded reaganesque, government is part of the problem, not the solution.

harkening back to those tones. >> tried and true rhetoric, yeah, thank you very much. speaking of ted cruz, can his economic policies, including the flat tax and abolishing the irs appeal to main street and wall street? we'll ask our panel. >> what if you could see your doctor without ever leaving your house? we'll talk to a company letting patients do just that. hoping doctors and you save a lot of money. david: as hillary's troubles keep mounting, the democratic party looks for alternatives. we have one of the potential alternatives next right here.

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switch to liberty mutual and you can save up to $423. for a free quote today,call liberty mutual insurance at see car insurance in a whole new light. liberty mutual insurance. cheryl: the s&p futures are closing. let's head back to alan knuckman in the pits of the cme. >> steady day here. we got within three of making new all-time highs on the s&p. we backed off a little bit, you know, down about four points here into the close but a little bit of consolidation after the big run but the mover of the day is the euro currency. the euro currency approaching that 1.10 level after being extremely, extremely, extremely oversold in the last month. >> alan knuckman at the cme. alan, thank you very much. >> thank you. >> i am honored to stand with

each and everyone of you. courageous conservatives. as we come together to reclaim the promise of america. this bizarre fight, the answer will not come from washington. david: and with, that senator ted cruz became the first republican to officially announce his bid for the presidency but will he get support, particularly finance hal support he needs to win nomination? our al-star panel, former senator and governor indiana governor evan bayh. "forbes" rich karlgaard and our own cheryl casone. rich, his message, wants to get rid of the irs. i don't think many people will be upset with that. he wants to get more after flat tax going. do you think that will sell? >> yeah. i thnk those are two excellent

programs. he talks about corporate welfare. we'll see how serious he is when he goes to iowa where there are a lot of farm subsidies and ethanol subsidies. that made a hypocrite out of a lot of corporate welfare people. david: that's true. how difficult will it be? there is already a lot of money being pushed into jeb bush. >> that's right, david. but the republican nomination will evolve into establishment figure, maybe jeb bush, anti-establishment populist figure. that is clearly the space senator cruz is competing. david: is there enough money for both those parties, establishment and anti-establishment? >> i think they will appeal to different parts of the republican party. senator cruz may raise more online, smaller contributions, that sort of thing. the way it helps, one or two wealthy benefactors keep you going for quite a while. david: that's true. ted cruz was on neil cavuto's

show talking about money issue. we'll get you to respond. >> bother you, the money guys, for whatever reason, they didn't make money because they were idiots but seem to be drawn to these guys assure bets or surer bets? >> well, look this is a debate we have every four years. >> right. >> a debate what direction for the party to go in. i will note every time we followed the advice of the washington consultants, every time we run to the middle, we lose. it happens over and over again, whether it is gerald ford or bob dole or john mccain or mitt romney. it is not a winning strategy. david: ted, he could, excuse me, he could be right, cheryl, on this point, ted cruz. but when push comes to shove, i don't see a lot of establishment money going to him? >> no. in fact if we're talking particularly like wall street banks or large corporations they want to bet on the winner. want to establish relationships, put their money behind who they

think, they believe is going to win. washington ceo council, they all said jeb bush and i don't think that's changed. david: move on to the democrats, because as hillary clinton presidential bid continues to slip a little, democrats serious looking to alternatives, senator liz warren who got endorsement from "boston globe." we didn't have to look very far, governor bayh. we've done this before but i couldn't resist. >> don't scare your viewers. david: i know it is impossible to be objective about yourself. you are a democrat who has governor never raised taxes. who appealed across party aisles to a lot of republicans in the senate. both executive experience as governor. have ability to do what this president doesn't seem to do, move to the other side of the aisle. why not you? why not run for it? has anybody approached you? >> that is not normally how it works, david. there is no drafting movement anymore. tough go out there to put

yourself forward. i'm happy to tell you i'm back on my meds not think about doing that. in our party it clearly is hillary clinton is the dominant figure. she will be the democratic party nominee. if for some reason she decided not to, our nominee would be called chaos. maybe senator warren would reconsider. half a dozen other people would too. you have a free-for-all taking place. the democratic party would be pulled further to the left because of that process. david: cheryl, i don't know, we had on the inspector general from the former inspector general from the national archives saying, the archives will reach out to the attorney general to try to get a subpoena for that server. if they find some stuff on there that contradicts what she said i think she is toast? >> she could be in trouble. they're already after her because to the governor's point, she is the leader here but what is joe biden going to do? has anybody asked the vice president if he is interested in running? david: i don't think you have to ask him, rich. everybody knows he is interested. no offense, there is nothing wrong with being older guy

running but he would be in his mid 70s right? he is kind of the butt of a lot of jokes. cheryl: i still think he will put his name into the hat. david: rich, what about joe biden? cheryl: john kerry again? i don't know. >> i think joe biden has the ego to do it. i wish the democratic party was still represented by the democratic leadership council which governor bye was a central figure, centrists, pro-business democrat. let me make a case. i think if jerry brown were not 76 he has wild popularity in california. put aside his bullet train. he is green. but he has got a lot of support among republican business people, more than you would think. david: we like that in politics. more with our panel. should starbucks throw in the towel to give up the race together campaign all together? our panel debates that straight ahead, cheryl. cheryl: such a great story. apples and potatoes engineered not to brown or bruise no matter which way you slice them but are

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david: starbucks chairman howard schultz trying desperately to tweak his way out of the bad press and customer reaction to his race talk program, but should he just scrap it all together? back to our panel. cheryl what do you think? cheryl: scrap it all together. he really stepped into with the entire plan. it backfired him. we were only doing this for a short amount of time. i don't think anybody buys it. a black eye for the company, frankly. david: governor bayh? >> it was well intended but has practical problems and in matter of weeks it will be forgotten it was even an issue.

david: rich, one of the practical problems, you're waiting in line. you just don't have the time to talk about race even if you wanted to, you don't have the time to do that? >> yeah, but you know howard schultz is one of the great maverick entrepreneurial ceos out there, like january mackey of whole foods. you have to grant those guys a little latitude. he made an experiment and didn't work. starbucks will move on to be a great investment. david: cheryl, he is trying to tweak it, instead of getting rid of it. time to cut bait, right? cheryl: at least you won't get things written on your coffee cup at starbucks which would be a big nightmare. if they want to do a turtle program that is great for employee morale but doesn't need to be ton for the public. david: silicon valley used to be for rebels, innovators who resisted outside interference with the government regulators rarely up to speed with the latest innovations from silicon

valley but government is being invited in. asked to impose antiquated regulation as lot of folks fear will slow down progress. is silicon valley in danger of going mainstream? rich, you're right in the thick of things, what do you think? >> i'm disappointed in netflix and reed hayes tinge the ceo, embracing net neutrality. ned flicks admits it will be a bad deal and will stop entrepreneurial development in the internet space. david: governor, it was kind of strange. silicon valley showed us the way to innovate and do things out of the box. now they want to get into the box. >> david, i think some of this is natural evolutionary process. they have gotten big. you get more bureaucratic a little bit more. sometimes you're less innovative. that is all somewhat harmful. the good news, we have vibrant, innovative country and economy, the new startups will come along. they will be hungry and rebellious. they will not want to embrace

government quite as much as companies that got so large. david: the problem, cheryl, if the cc goes ahead with regulation, and starts dealing with internet like it's a utility we may not get a lot of the startups because they won't be able to fight through the regulation. cheryl: that is the problem especially with all the social media companies in particular going public. they have this need for money and sell shares and everything. that does get away from the core business of being a startup in innovation and technology. coming up with some new fabulous gadget none of us knew we need until we had to have it. there is big risk overall on silicon valley that is happening. david: rich, have you noted any remorse of some silicon valley folks who were in favor of this and now realize how far the government wants to go in regulation? >> yeah i think google. they initially supported it and withdrawn. netflix who led the charge for this, their cfo made some very negative comments about it. just recently. david: yeah. buyers remorse.

buyers remorse on regulation. senator bayh, rich karlgaard, share casone thank you very much. catch rich and myself every saturday on "forbes on fox" at 11:00 a.m. eastern time on our sister network, the fox news channel. we're asking if you think ted cruz can win the republican nomination for 2016 presidential race. don says, i like ted but i believe scott walker has a better chance. linda says, no, but make for entertaining debates. tell us what you think. send us a message on facebook or tweet us @fbnatb. more of your comments coming up. florida is the sunshine state but turns out not the best state for retirement. where should you head instead. new study says. cheryl: you won't believe the cities. it is crazy. one car company developed new technology to help parents monitor their kids driving habits when they're not not car, when the parents aren't there. that is good coming up. david: obamacare turning five today. for many it led to higher costs

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david: the fda is giving its blessing to genetically engineered apples and

non-browning potatoes. the apples and six variety of potatoes are safe and delicious as their conventional counterparts. the apples are known as arctic apples. the potatoes are known as inate potatoes, cheryl. >> interesting. investors look to cash in on global growth outside of the united states. they have made exchange traded funds focused on just one country more popular than ever. the number of single country etfs jumped 17% last year, according to data from reuters. our next guest has been buying them for a decade. act cue vest global advisors ceo, joins us with picks. i want to get to it because you've been doing this a long time. we've had several guests on today saying going global is the way to go. let's start with china. dodo you like that? do you invest in china now? >> we do like china and we have investments in china right now. we like china first from a fundamental perspective china is quite strong.

the earnings growth is fantastic. roe, return on equity is also great and also the cheapest country that we follow of all the 31 countries in our universe. cheryl: 22% return over the last year i-shares, msci china which is really good way to track the overall country, the economy. also first trust china alpha. that is up about 6.2%. but that is different. that is more stock based, right? >> the -- cheryl: second one. >> yeah, the first trust product generally has a smaller cap style bet to it and has a little bit more of a value tilt. the p-e on that alpha x product is 8.5, versus index of about 10.2. the earnings growth on that is slightly higher as well. cheryl: all right. >> definitely a non-keep weighted bet on china. cheryl: move around the world to go over to germany. that is interesting. that is a leading economy in europe, even though europe overall is in kind of a mess right now. but you do like germany. obviously with the european

central bank market flooding market with euros, that market should be poised to take off? do you think that will happen? >> we owned germany quite a while now. germany is one of the hottest countries in the universe that we follow. that is up about 17% in the last six months. and, also, that one thing about germany that nobody is really paying attention to. is the risk levels there. i mean, cds levels narrowed almost 20% in the last three months. despite all the things going on in peripheral europe, germany seems to be quite strong. cheryl: bucking the trend. that is why angela merkel has so much power. her having lunch with the president of greece is international headlines and it was today actually. so japan, japan, lost decade. we always talk about the lost decade of japan but you're saying now is the time to look at japan. this particular msic tracker, this is general sense, 25% over last year, that's incredible. >> again, japan is one of those

developed markets that has gotten quite hot and from a risk perspective, this is not the way the typical investor looks at japan. risk perspective japan is decreasing risk. we actually think the yen has a little bit to go. that will help exporters and their local economy. abe essentially pushed all his chips on the table to get the economy going. so we'll not fight the trend there. cheryl: interesting pick, because what is going on is israel. looking a msci israel is down over 4% from last year. is your political relationship with israel affect the invests we potentially could buy there? >> it can. we do definitely look at political risk. however, we tend to look at things more like the fundamentals and valuations right now. israel trades at just south of 15 times earnings which is less than the typical country that we follow. the earnings growth has been quite excellent there in the last three months.

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automatically turns on safety features, collision alert, to help the teen avoid the a crash. it provides parents with invehicle report card of teen's driving performance that parents can use a teaching tool with the teams. >> the system will debut in the 2016 chevy malibu expected to go on sale later this year. dave. david: fifth an verse of obamacare t was sold for a way americans to -- a lot of americans have seen their health care costs go up and quality of their health care plans go down. out of this reform, new form of health care is getting stronger, mobile and web health services that connect patients and doctors with visits over the internet. here with our c-suite segment. we have the american well co-founder and ceo. doctor, thanks for coming in. to a lot of people, this represent what is they don't like about obamacare. the fact that there is downgrading in the patient health care providers system

where instead of having face-to-face visits you do it over the internet. what would you say to that? >> well, thanks for having me, david. david: sure. >> the truth is with, very so many people that are coming into the health care system by definition means they will wait longer for the same physicians. what we're trying to do is just engage technology and allow those patients to find the providers, find physicians currently available to connect with them much faster. this will not change the nature of obamacare but this is very much flying out and developing right on the cusp of obamacare getting access to a lot of americans. david: so you really are kind of taking advantage of a bad situation where the fewer doctors you have, taking medicaid and medicare because a lot of doctors are refusing it. a lot of doctors are refusing even regular health or private insurance, this is a way to kind of get around that? >> i think, you know, i think for many, many years we didn't really use technology to help people get to health care in a way.

as you just said i think the problem is becoming much clearer today because of that mismatch between supply and demand. i think technology can help a lot, but as you said the problem is we'll not have more physicians. we'll have more patients requiring care. if we're not going to come up with some technology that will make it simpler for them, we'll have a big problem on our hands. >> how did you get involved in all of this? >> well, you know, we've been in the business of doing telehealth, which is the name of this capability for a good couple of years. and you know, really the reason why we to the into this, we realized that patients are becoming more and more involved in their health care. mostly because, you know, more of those dollars are coming out of their pocket. many of those patients said, well, you know there is a lot of stuff online we can do with health care. we can read articles and risk assessments. really good of health care is the abouting in front of a physician. that didn't exist that prompted us to make this happen. david: the bottom line is, there

is nothing that beat as physical visit from a patient where you can see them and touch them and find out in very interpersonal way what's wrong with them. even if it is just psychological, it makes the patient feel better. how do you compensate for that? >> i think you're right in the sense that when you have opportunity to get in front of a physician at the right time, very quickly when you have the need there is nothing that will beat that unfortunately there is far from reality. affordable care act allows you to see a physician but doesn't make appointment shorter or people live far from health care or elderly people having trouble leaving their homes. only thing we're saying in absence of being in front of a physician a couple of hours we can bring a physician to you. that helps more care to be delivered appropriately and right time. that is the solution technology brings. david: as i mentioned before, you have fewer haves.

doctors. they're not taking medicare, medicaid, private insurance. wouldn't they be more reluctant to get involved that that is more acceptable way of treatment. >> that would be the case couple years ago. most physicians as well as authority of the medical professional, the ama, federation of medical boards have come behind this thing, said this is legitimate way of care delivery. you have to be accountable. you have to be professional but a lot of good care can be rendered through this kind of technology. david: may not be as good as the real thing, hey, listen, if all you got at least better than nothing. thank you very much, dr.. american well, that is the maim name of the company. we appreciate you coming on doctor. >> thank you for having me. david: cheryl? cheryl: i can probably answer the question. are you dreaming of living out your golden years in sunny florida? a new report says you miss the best place to retire by about 2000 miles. we'll tell you where it is coming up next. pension outrage in chicago. you won't believe how much one

illinois man is reeling in after working for just one day as a substitute teacher. his eye-popping payday coming up next. >> hi, everybody, i'm gerri willis. coming up on my show at the top of the hour, they are new targets of identity thieves. why your kid's social security number is so valuable on the black market. that is one of the big stories on "the willis report" in just a few minutes. ♪ cheryl: i'm gerri willis.

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our commitment to current and former military members and their families is without equal. start investing with as little as fifty dollars. david: what if anybody could qualify for over $31,000 in retirement windfall after working for just one day? >> one former substitute teacher in illinois is determined to make sure that happens. jeff flock joins us live from chicago with details of a lawsuit that is i shaking things up in the windy city. >> could be worse even by illinois standards. this is actually two different guys getting getting this deal g one day as a substitute teacher and one of them work one day and taughttaught history. he is making history. this is one former lobbiest for illinois federation of teachers. he get as $30,000 pension already because he was a state

legislative aide. then he became a lobbiest. because he subbed one day, state law allowed him to get a $31,000 pension. now if he gets credit for all of the time he served in the union could get an additional $36,000, makes it almost $100,000 state pension. while the state pension system is 100 billion, with a "b," dollars in the hole. legislature tried to fix this but when they went back in and they did it, he went to court and said, no. this was the law. i should get the additional money. so he is suing now. why this becomes even more important, is because the state constitution says, this is what he is basing his lawsuit on, it says that a state pension, a public pension, is an enforceable contract that the benefits of which shall not be diminished or impaired. if he succeeds in his lawsuit, it could torpedo any chance the state has to fix its pension program which is as i said is

$100 billion in the hole. not bad for one day's work. david: wow. all of those promises that were made by politicians in the past who don't have to answer for their promises anymore. >> exactly. david: jeff flock, thank you very much. very much. >> thank you, jeff. when you think about retirement odds are florida is the first place you're going to think, right? david: florida or maybe hawaii. but it turns out it may not be the best state for retirement. in fact, according to a new study not even in the top 10. where is the best place? chris kahn, of bank rate who conducted the study. chris, thank you very much. weather obviously is a big factor in those issues you consider at retirement but the top four, we'll go from four down to one, the top four states are pretty cold states. what is up with that? >> they're all cold states. we're talking about really rocky mountain west. talking about wyoming, colorado, idaho, utah. they all did really well. goes to what we ranked for. we wanted to focus on issues prominent for retirees.

looking at cost of living. looking attacks rate. health care. >> what is great about idaho? idaho is beautiful but what made it so spectacular to be number four? >> they're all beautiful. every state has qualities for somebody. in this general region all the states did real well. for example, they all have pretty good health care systems. cost of living is relatively low in a lot of these places. relatively safe. crime rate is low. >> there are four. number three was utah. number one wyoming, cold weather, snow, skiing states. is, does that have anything to do with this whatsoever? >> weather was one component. i'll trade that cold weather for really low cost of living. i'll trade it for lowest taxing state in the country in wyoming. trade that for really moderate summers. really try, beautiful, beautiful areas. >> beautiful areas. this, bucolic pictures like this make us yearn for places like

wyoming. you have jackson hole, all these gorgeous places. you have to drive for hours to get any place. a lot of people, particularly olders folks have difficulty doing that. i would think the convenience of being closer to hospitals, closer to airports, would overcome some of the benefits, beautiful benefits? >> well we were talking about new york city. one of the lower ranking states. we both live here. you have a lot of stairs. really slippery sidewalks. a lot of things you have to think about. david: elevators. you have escalators. the cost of living i got to tell you is -- >> highest taxing state in the country. david: huge taxes. >> you did the worst list as well. so let's talk about the bottom four on the worst list of places to retire. >> really more talking about the bottom list, we're talking about two things. >> look, there is new york. >> new york. arkansas is down there. west virginia. really two things. really high cost of living, high taxing states. hawaii is bottom 10. david: hawaii, because it is so expensive. >> so expensive. if you move there on fixed

income you have to think about that. the other side is arkansas, west virginia, louisiana, states with poor health care systems statistically. there is a lot of poor records in community well-being surveys done in these areas. sometimes high crime rates as well. david: unless crime gets out of control here, it might, because we have a new mayor who is little light on crime compared to predecessors, i think i will stay in new york. you're close to museums, close to a lot of people you like. >> i will be there with you. >> florida was where? what happened to florida? >> right in the middle of the pack, 28th. largely because of higher cost of living, crime rate. >> chris kahn. bank crate.com. appreciate it. we asked you if you think ted cruz can win the republican presidential nomination. mike says i think cruz will have a tough primary battle, if he gets the gop nomination he will destroy hillary. >> jim says ted cruz doesn't stand a chance of becoming the nominee. >> spencer says, look if cruz

brings two aisles closer together he will win. the nominee have to be tolerated -- we haven't seen a lost toleration last couple years. >> called politics. that's it for us. but guess what? david: "the willis report" is next. we'll see you back here tomorrow. gerri: hello, everybody, i'm gerri willis and this is "the willis report," the show where consumers are our business ted cruz becomes the first republican candidate to announce his run for president. >> i believe in you. i believe in the power of millions of courageous conservatives, rising up. to reignite the promise of america. >> we'll examine cruz's strategy, what that means for other gop hopefuls. obamacare turns five. we'll investigate how it changed your health care and where it fails to deliver for millions of others. >> obamacare is to a large extent responsible for why we're having the poor economy we're having today. gerri: th