majority support of republicans? >> i think we have that. we'll put together a daca compromise with majority support from our party. i know sound like a broken record, a, we want to fix daca. we do want to fix duckca. we want to fix it addresses root cause problems. so we don't have a daca problem again. that is kind of common sense. that means security measures needed to accompany any daca solution are necessary so we have final fix and not a temporary fix so we don't have a problem down the road again. that is common sense, rational and that will be bipartisan. nicoles, i haven't seen you in a while. reporter: getting to the question about the tweets today, then also the wolff book -- >> which? reporter: wolff book. >> see i don't read every tweet. i saw the two on fisa, that you're talking about. talk. reporter: i imagine you have a lot of tweets on mute. at any rate there is questions

raised by president's fitness and qualifications. he said in 2016 he is qualified he is nominee. would it be the worse thing to have businessman in office. now you have 12 months in this? you still stand by what you said? >> i still stand by. you saw the meeting with white house and democrats and republicans on immigration. that sinned coo of the meeting we always had with the president. i got a chance the country got to see that yeah? reporter: does it surprise you that the president of the united states doesn't seem aware of white house's position -- >> he is aware of it. he is aware of it. we talked about fisa in the past. he knows what 702 is. reporter: leader mccarthy said bob goodlatte immigration daca bill is good bill. do you have any plans to bring it to the floor. >> it is is good bill. we're working on that. it is important we put ideas on the table.

leader mccarthy as you know meeting i just referenced at white house last week the agreement was that the four leaders, lead cornyn, durbin, mccarthy and hoyer would come up with solutions for daca. when people bring ideas to the table that is constructive. that is what goodlatte is doing, that is relevant along with mccaul. the leader mccarthy and other three leaders based on that meeting are having negotiations. that is constructive. that is exactly what we're doing. that i'm confident we'll get a solution before too long. >> last question. reporter: you said daca, you said earlier you expect it to be bipartisan. goodlatte bill i understand you believe it's a good bill but democrats do not. >> i don't know the answer to that, by the way. i don't know if all democrats are opposed to that but shouldn't we be offering solutions? the goodlatte bill is a daca solution. the goodlatte bill brings peace of mind to the daca kids and here is what the security piece

looks like. that is constructive. the goodlatte bill doesn't say don't help daca kids. it doesn't do that. here is one way to solve the problem and give peace of mind to the daca kids. i would think people think that is constructive thing to do. reporter: if only republicans for, only bring it to the floor, and -- >> anything we can do to pass and advance causes and issues is constructive to get the bipartisan agreement that is going to happen. thank you. >> well could "coast to coast." i'm charles payne in for neil. that was speaker paul ryan addressing spending immigration and foreign surveillance. that we will cover and he addressed walmart's wage hikes and bonus news today. the world's largest employer giving a big financial boost to the employees. all of it thanks to tax reform. walmart hiking its minimum wage to $11 an hour, giving eligible workers a 1000-dollar cash bonus. keep in mind, walmart latest but

not debted to be the last. is this beginning of employees seeing windfall from. this is really remarkable stuff. not just walmart is sharing the well per se. they have expanded maternity leave, paid parental leave, and even a 5,000-dollar bonus or help for folks employees adopting kid. >> this is amazing. amazing news to wake up to this morning, charles. walmart is one of 130 companies, over 130 that are touting the president's tax reform plan. you just rattle off the whole list of what walmart is planning to do for their employees.

americans will see more money in their pocket, more money for their families. i love walmart. they provide goods and services that are cheap and affordable for hard-working americans and their families and this is proof to americans that the tax plan is going to help all americans, no matter where you stand politically. charles: joe, certainly belies the notion this was tax cut only for the rich, okay? not just 130 companies. now two million americans and counting getting direct immediate benefit. >> right. these are real people. the sad thing not being said right now that democrats woke up to the news i think they were a little upset. they were a little upset because walmart, shoppers, employees, the notion of walmart as institution is the substance of what we think of as the middle class of america and people who live in the middle of america. these are people who the democratic party have staked their fortune in convincing that this tax plan wasn't for them. it is only for the rich. now here we are seeing great

things. charles: ben? >> i love walmart just like everyone else who likes to get frozen shrimp and machete in one go, but when it comes to walmart main employer for 22 states in this country, putting a lot of mom and pops out of business, a lot of smaller businesses have been closed because walmart comes through, they do have devastates effect on lot of industry in the middle of this country. let's be a little rational here. they are spending 400 million bucks $1000 to eligible employees, they made $500 billion in 2016. it is flies. i think it's a big deal to those individuals, i'm not trying to diminish that but you know. charles: does sound like you're trying to diminish it. it is kinard to say they put ma and pa out of business. in fact i think exact opposite. they're located in areas where ma and pa could not have successful business. those regions to get the machetes and get the frozen shrimp otherwise, between walmart and dollar general,

there are hundreds of, literally tens of millions of americans who would have access to none of that. so maybe they're providing a public service. let's not forget, walmart's stock was under tremendous amount of pressure a year ago because of amazon and so forth. people wonder if it was company they should be to count their money they should be doing this and doing that they were on survival watch 12 months ago. >> easy to say they could do more. we all hope people do more for their employees. this is company you really points out answers a need. more importantly that the thing democratic agenda pushed, paid family leave, wage increases this is happening without the legislation democrats told us they need. entrust them with the government they pass laws to do the things. if you unshackle some corporations they will give back and will benefit their employees. >> here is the thing, democrats have a lot of explaining to do because they did not support the tax reform plan at all.

and you're going it see those up for re-election, especially in the midterms trying to explain why they didn't support it. on other hand i'm having more money in my pocket for my family. they used scare tactics. nancy pelosi, armageddon. they're trying to scare their constituents where in fact we're looking at actual facts that are on the table. charles: certainly for two million americans it wasn't armageddon. it is not just walmart too. waste management came out with special bonus, $2,000 to every north american employee. talking about 34,000 folks here. this is just, it's a lot of money to a lot of americans. i think it is big mistake, particularly for politicians to downplay how impactful to every american. >> i completely agree. 1000 bucks is 1000 bucks, individual with families three children at home, a thou bucks goes a long way if you're shopping at walmart, they know a lot of money goes back into

their supermarkets and right back into their bottom line. charles: sure. that's, i guess you would call a win-win. better than a lose-lose. it gets back to the tax reform, messaging around it, fear tactics, certainly were unfair. listen we know there is supposed to be loyal opposition on both sides of the political aisle, there are occasionally times you have to be honest. if you're not reality will kick in. i can tell you we're not talking about this hitting people's paychecks. wait until february, people get their checks whoa i get to keep more what i earned. it makes me feel great. >> that is why the left didn't support it and they're still not going to support it. they don't want to give president trump credit for anything, especially progressive media as well. again it is about results. people will see actual results from the tax reform plan. you can't deny what's there. you can't deny the facts as much as you want to. >> but it depend who the republicans choose to run in midterms.

if they have a bunch of sheriff joe a pyoses out there, this -- arpaios this tax reform will not do any favor because democrats will win. charles: you think sheriff joe will lose? he is matching the democrat been in politics there for a long time. i wouldn't write him off. >> i think alabama, arizona will be alabama. charles: here is the thing, joe, not to digress too far, i think any republican running for office in the midterm can hang their hat on the economy. we have this "qunnipiac poll" out today, 66% say the economy is excellent for good. for this particular poll going back to 2001 by far highest level ever. >> quinnepiac is poll traditionally polled quite a few more democrats than republicans. we're still seeing positive numbers for trump. i think the bigger picture though going into 2018, february, we'll see some of these wage increases by the tax reform bill but by september, october, you will have democrats trying to tell actual people who got more money their pocket

somehow this wasn't good for them. that is a tough sell to the average joe. charles: how do you think they will pivot though? i'm already seeing it. i don't think they will tell them it wasn't good for them. they will tell them what ben is alluding to, it will be more. at a certain point, can you really tell people, listen you got a raise, got a job, got a bonus i feel bad for you, vote for me? >> the left is running on impeach trump, demonize trump, discredit trump. again the facts are there. they're going to have a tough time trying to explain to their constituents why they didn't support this tax reform plan when in fact folks are seeing the actual effects, the benefits of more money in their pockets. charles: although at this very moment democrats poll better than republicans in generic polls. >> that is testament to donald trump and how much people dislike him. if you went through the economic statistics of any president you would assume this dude or this woman was above 50%. he is still who have have you everring in the mid 30s? >> irony to that, barack obama

was elected he had some of the worst economic numbers in history for any income bent to be reelected. messaging may be a problem. people's real lives if they step into the voting booth or sir staneses ed koch saying are you doing better now when you first gave me a shot. >> we were doing better after obama eight years, from when he took office as well. charles: didn't help hillary. i get your point. >> that's true. charles: immigration negotiations underway right now, donald trump, demanding a wall. he wants funding for it. growing talk he may actually get that. right after this. nah. not gonna happen.

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charles: this is spending deal done as immigration battle underway, there is a lot of negotiating but no firm deal in the washington free beacon liz harrington. liz? >> we have eight days to not only get the government funded but also the sequester caps kick in on january 19th. then you have this looming immigration battle. you have not a lot of time to get a big deal. it is especially difficult when the democrats are not willing to

negotiate on anything. they want the "dream" act, daca, in exchange for nothing on border security or the wall or anything. that is not really how you negotiate. that is not "the art of the deal." i don't think you will see a deal in eight days if that is how the democrats are approaching it. charles: liz, essentially we're kicking the can down the road again, a phrase used over and over again. paul ryan, more or less admitting as such moments before the show aired. yet you wonder because the american public always voiced so much frustration about this they can't get anything else done in washington until they get this done, can they? >> right. i think, a lot of people are really tired of this. we've seen it throughout the past, since obama was president, just continuously, continuing resolutions, constantly kicking the can down the road. not getting a long-term deal. whether it was obama in office or trump now. but at least trump here, he said, hey, daca was unconstitutional. president obama did it unilaterally. it wasn't legal. we're going to give you a

deadline of march 5th. you get it done if this is what you say you want. here are my demands of the we want the wall. at least he is making them, if they kick the can down the road on spending they can't do that on daca, because that will end on march 5th. charles: so what is your sense right now, particularly after that historic meeting, 55-minute meeting that we all were privy to watch? both sides of the aisle, opponents of president trump, ability to push back right there, sitting at table next to them? what is your feeling? how did that meeting propel this situation and do you think we'll get a deal done? >> well, i think that does propel it forward. hear you have a president willing to let the cameras in, say what his demand are and plenty of democrats get their say. they really didn't say anything other than, we want to fix this for "dreamers." it didn't really offer any concessions. i think the fact that trump is willing to bring them in, say

this is what i want, where we're willing to work on "dreamers," work on things that should motivate them. look the american people are watching. they see that trump is willing to negotiate. he wants to get a deal done. now on the democrats terms if they want to be willing to negotiate and concede on anything. and as far as we have seen now, we haven't done so, that meeting can't do anything help them get motivated by the voters because they see we're so unwilling to negotiate with them. charles: certainly make as hashtag resist a embarassment of -- let me also, what is happening now, president trump tweaked the way even speaks about the wall. it brings to mind the fact that democrats themselves voiced, support for border fence, greater border security and even passed laws that have that happen and never funded it. so they're on the record for wanting the same sort ever protection on our southern border, aren't they?

>> right. this wasn't controversial until president trump was for it, right? and, they can pretend all they want that the wall is unpopular now but the fact of the matter is, it was trump's signature campaign issue. it was the biggest applause line at his rallies. american people do want the border secure. they may support getting a fix on daca, but they don't want to prop up sanctuary cities anymore. they want e-verify. they want the border wall. these are all things popular and something that the democrats should be willing to negotiate on, especially the fact that you have so many on the record that were for border security, were for a fence. that just never actually got built under george w. bush. charles: yeah. liz harrington, thank you very much. great stuff, appreciate it. >> you bet. charles: meantime the house renews controversial section of intel surveillance act after president trump criticized it. blake burman. reporter: the joke making the

rounds, president had cleanup on aisle 702. this is very serious subject, 702 program put in the place of 9/11. it allows for surveilance of overseas communications. here is the issue for the president, at 7:30 this morning he shortly after sent out this tweet seeming to criticize it. house votes on controversial fisa act. this act may have been used to help with the discredited phony dossier and so badly surveil and abuse the trump campaign by the previous administration and others he questioned of the here is the problem, the white house, national security council, they support this 702 program. so an hour and 45 minutes later came that cleanup from the president. he then tweeted quote, with that being said, i have personally directed the fix to the unmasking process since taking office and today's vote is about foreign surveilance of foreign bad guys on foreign land. we need it. get smart. listen to rob joyce, special

assistant to the president on cyber issues. >> 702 is absolutely vital national security tool. it is something that allows us to understand terrorist threats, keeps the country safe and is absolutely urgently needed to be renewed. there is no confusion on that. poverty port because of those tweets earlier from the president democrats tried to delay this vote on the house floor. that was unsuccessful. 35 or 40 minutes or so ago this passed on house floor. this is not a partisan issue. this had to pass with mix of republicans and democrats. it will go to the senate. is expected to pass there. rand paul is threatening a filibuster. he is against renewal of the 702 program. charles, just yesterday the white house had put out a statement saying that they support this 702 program, they said the white house itself in its statement said this protects american lives. you had confusing tweets from the president earlier today.

we'll hear from sarah sanders in about two hours. they normally say in some cases tweets stand for themselves. that is how they wiggle themselves out of these things. today that might not be a defense, they will have to explain the why the president sent out the initial tweet earlier this morning. charles: in that case the she will be asked 700 times or 702 times. blake, appreciate it. reporter: yep. charles: walmart hiking wages amid signs that economy is heating up. does this mean voters warm up to republicans? more fallout on "making money" 6:00 p.m. eastern on fox business. hope you're making money in this rally. if not, join me tonight. we'll change that. so he could get home safely. my dad says our insurance doesn't have that. don't worry - i know what a lug wrench is, dad.

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charles: back to our top story of the day, walmart latest to raise minimum wage to give bonuses to workers, thanks in large part to tax reform. workers are benefiting big-time. the question is the republican party benefiting? new "qunnipiac poll" reveals 66% of voters now believe that the economy is either good or excellent. to fox business network's charlie gasparino and to connell mcshane if the economy has wind at its book and will this ultimately help the republican party, connell? >> this is biggest story of the year in some ways the split between these two things because there is nothing in the economic number, this walmart news adds to it and other stories we have and will add to it, should be stopping republicans politically but in the same "qunnipiac poll," 69% of the voters say the president is not level-headed. so you still have a challenge for this white house i think they're aware of, speaks to what the meeting was at the white house early this week they have to address. if you have a president seen that way, even if the number is

inflated a little bit. you still have a challenge politically no matter how good the economy. >> let's back up, say what the poll said, it was mainly about the economy. charles: the poll was on the president. economy came down lower. let me do it for audience. >> but my point is this. charles: before you make your point, audience should know the sample size. 34% democrats, 38% independent, only 23% were republican. understand the way the poll was laid out, they asked questions before the asking about the economy, whether or not president trump was level-headed. whether or not he was intelligent, about his fitness. they set a negative narrative going into the economy question. >> the electorate is generally broken down into that. the republicans don't make majority of electorate. charles: that is why all the polls got 2016 wrong. >> they got the popular vote right. they missed surges in the state. >> some pollsters say that breakdown is sometimes unfair in the polls. >> sometimes. let me make my point.

this poll is not about the republicans. it is about president trump. that is where it gets really difficult how the midterm elections. doesn't matter that donald trump's popularity is not very high for the average generic republican running in a house seat. i don't know. that is different story. charles: especially with the standout part of this. the 66% saying that the economy is either greater or, break it down for you. january, excellent was 18%. year ago only 2% of the kind of momentum we see. then you layer on, connell the news from walmart, the news from waste management. next month when people get fatter paychecks hard to believe when they step in the voting booth, how they feel personally won't override all their anxieties over tweets? >> i totally agree. everything that you're saying makes 100% sense. to charlie's point the generic ballot is plus 12 democrats.

the market already has been going through the roof. we already had a lot of this good news does that mean it doesn't change at some point? it might. does it not change enough? talk to republicans privately, a lot are still worried and good market about a big wave election. >> story of this, because it is hard for us to extract, extrapolate the notion that the president's unpopularity translates into generic republican popularity in the face of a very good economy. my sort of issue, i've said this again and again on this show, neil has backed me up on this, it is almost unbelievable after a year of a decent and better, much better economy that the president still has high negatives. that is almost unprecedented. now can he change it? of course. it looks like, this is where it gets scary for the president, it is starting to calcify. a lot people, a lot of people, some people love him, but a lot of people just don't like him. >> you don't need to change everyone of those, right? need to change enough of them to

get you back on top, that is possible, to keep you on top. that is possible, challenge illustrated this morning what blake talked about a few minutes ago, when people see the types of tweets, the fisa tweet, it plays into the narrative of a president who is looking at it, not on top of his own policies. charles: i find it hard to believe, people who had their wages drift for a long time, listen, the economy was moving sideways for the most part, 2015, 2016. >> true, yeah. charles: we haven't had 3% gdp year. people see this happening, you know what, the architect of this i don't like his tweets i will give someone else a shot. >> they're not saying i don't like his tweets. i think the problem for him, we don't like him. and you know, here's the issue -- charles: i don't know that. i just don't know that people don't like him. >> they don't like him. charles: pressure on people to tell someone a clipboard they don't like him. i don't know what people say behind closed doors. >> he has very hardcore 35%.

or maybe 30. really hardcore 30% that hate him. people in the middle very uncomfortable with him. whether they hate him or not i won't go there. that is take from the polls. that might change in two years, if economy is growing 5%, forget about donald trump. one other thing, what trump did, i have always applauded on economic side, it was not rocket science. every republican was proposing what he is going to do. >> he is president. >> i agree. >> the other thing, one thing i add to this, said this to kneel couple weeks ago about the same subject. they didn't like him when he was elected president. people in strong economy could say, not my favorite, don't like the guy very much, don't approve way he handles himself, not a huge fan of the tweet, to charles's point i vote with the republicans because the economy. that is the biggest question of the year. >> look how he won. not just new york. >> was unpopular when he won.

>> not just new york and california voted against him. look how he won texas. wasn't like astounding victory. charles: texas is not the red state that it once was. >> alabama, by the way he got 60% of the vote. usually republicans do a little better than that. charles: bottom line, hard to believe what we're seeing right now in the economy if it holds up people will reject the architech of it. i find it hard to believe. we'll see but find it hard to believe. >> do you want liberal democrats -- that is what he has to make the argument. do you want tax increases and stuff? charles: no, nobody does. by the way, speaking of great economy, guys, i do have an alert for folks watching. all the major indices right now hitting new highs. dow breaking 25,500 for the very first time ever. meanwhile, iran deal deadline is looming large, a lot of scuttlebutt. a lot of people wonder if this thing will actually live on. we'll be right back.

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charles: president's trump es top advisors urging him to waive iran sanctions. washington correspondent rich edson with latest. reporter: charles, this would effectively keep the united states in the iran nuclear deal for now. there are a few deadlines coming up over next week whether the united states will continue waiving nuclear-related sanctions against iran. that was in the u.s. end of the deal in the 2015 nuclear negotiations. president is meeting with top advisors including secretary of state rex tillerson at camp david, at the white house yesterday and there will be another meeting at white house today, where there will be more discussions about iran policy we asked the secretary of state about an hour ago what the president's thinking was. >> is the president continuing -- [inaudible] >> make that decision this afternoon. we'll have a session with him scheduled over at the --

reporter: from here the administration must also certify to congress whether iran is complying with the bulk of the nuclear agreement. that is a different certification. it is specific to congress. the president in october, for the first time certified or failed to certify that iran was complying with the nuclear agreement. that essentially gives congress a greater role in iran policy the administration is talking with congress. democrats and republicans are negotiating potentially getting rid of some of these negotiating deadlines or changing them. also perhaps, even more measures against iran's ballistic missile program. even tighter enforcement of the iran nuclear deal. from here the white house is also commenting on some reports out of iran that that regime has arrested thousands of protesters from the protests that have been ongoing over the last few weeks in iran, has tortured some of them, even killed some of them. to that the white house said in a statement quote, iran's regime claims to support democracy but

when its own people express their aspirations and better lives and end to injustice it once again shows its true brutal nature. the administration also says it wants to iran to release all of its political prisoners. chars, back to you. charles: thank you very much. so could the iran deal live after all? to former state department advisor under bush 43 and president trump, kristin whiten. it not felt long ago this would be one of the first things jettisoned from the old regime, and old obama legacy, now a lot of whispers it will be tweaked to remain in place. >> i wouldn't take that certain for yet. rich is reporting is good, right on and accurate what people around trump is saying includes the foreign policy establishment and include you are european diplomats, this iran deal, negotiating with this regime, trusting this regime is an article of faith but smacks of trump's decision to pull out of

paris when a lot of people around him told him to stay in. trump ultimately decided to fulfill a campaign promise to pull out after deal he called horrible. another part of rich's report talked about the murder going on inside of iran, torture, suppress of dissent. this is terrible time of the united states to appear to be going soft on iran. i think it is still possible president trump decides that it is time to put an end to this horrible deal. charles: so those in his inner circle who may be suggesting that he just stays with it, maybe tweaks it a little bit, what's their argument? were would they think it is better to continue this when it is clear to your point the relationship with north korea is very disturbing? they're exporting terror, in the region and, of course what is happening within the country itself, a potential uprising that we would obviously like to see play out? >> there are two main arguments that supporters of the iran deal are making. the first that the deal

constructed horribly and frontloaded all benefits for iran. a lot of goodies including a painful of cash in the middle of the night were already delivered. so walking away actually just dispenses with some of the benefits to us, and some inhibitions on iran. that is one of their arguments. the other argument, even more fallacious, is that congress is going to enact some provisions that will improve or create a pathway to improving this deal which is completely ludicrous because congress has had three months to do this, failed, chairman corker, outgoing head of the senate foreign relations committee is saying he can round up 60 votes, near impossibility on any issue on capitol hill if he just has more time so none of those claims ad up. charles: christian, speaking ludicrous, some people feel this is ultimate countdown to getting nuclear weapon and inspection process around it has been a joke from day one. no matter what happens, whether it is altered somewhat or

completely, you know, completely jettisoned what can we expect with respect to making sure that iran never get as nuclear weapon, at least this current regime for sure? >> i think you hit i had right on the head, sort of like north korea. unfortunately regime change became conflated with regime destruction such what happened in iraq and some adventures and mistakes that have been made in recent decades but ultimately security will come to the middle east when iran's government is more reflective the will of its own people who want ma dernty, and end to their own foreign adventures, including nuclear weapons program, including spreading of terrorism and war around the middle east and same with north korea. yes we sort of have obligation to look for deals and diplomatic solutions that can mitigate some these threats, but ultimately these are two extremely dangerous regimes that view themselves at war with the united states regardless what we think and say. charles: christian, you're one of the best, man.

we appreciate night thanks, charles. charles: all major indices hitting new all-time highs. bank earnings are kicking off tomorrow. we'll get a chance to see whether they extend this momentum and take us to mirrored highs. we'll discuss it after this .

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charles: the trump administration allowing states to impose work requirements for medicaid recipients. gerri willis has the details. >> hey there, charles. that's right. the trump administration moving towards entitlement reformal howing states for the first time to impose work requirements on medicaid recipients. the agency is expected to start approving state waivers promoting community engagements activities and voluntary work in coming weeks. this is huge change in how medicaid works. some 10 states, including new hampshire, submitted waivers requesting such powers. the move a long-time republican goal was described by the centers for medicared services administrator. a long-time medicaid reformer she wrote, efforts would improve

outcomes by engagement among able-bodied beneficiaries. she is i saying people will be healthier. there are 75 million enrollees in medicaid, including 11 million adult added under obamacare. hose those who are able-bodied about 60% work. cms is applying a broad description to work being in treatment for opioid addiction qualifies as does community volunteering as we said. those who are pregnant, disabled not of working age, people who go to school, volunteer or in job training program would not be required to fill that work requirement. now critics of medicaid reform say republicans wants work requirements to lighten medicaid rolls, take away benefits, right? medicaid which turned 50 two years ago, i got to say it is busting state budgets, which pay roughly half of the cost.

as you know people have a hard time finding care on medicaid because a lot of doctors don't want to accept medicaid patients because they don't get reimbursed at full rates for it. charles: gerri willis, big story. thank you very much. appreciate it. >> you're welcome. charles: the dow, nasdaq, s&p, by the way, russell 2000 hitting all-time highs right now. bank earnings are kicking off tomorrow. so the question is will they add to this, or maybe flatten it out a little bit? go to market watchers dan shaffer, michael block, heather zumarriaga. heather, let me start with you, because financials are hottest sector this week. not big banks per se but regional banks and others. so the market looks like they're anticipating a nice wave of good earnings. >> they are, charles and wall street estimates are anticipating better earnings for the banks. a lot has to do with loan growth. i think commercial loan growth there may be some weakness. that will be offset by increase in consumer loan demand, charles. that will help the banks. i will be closely listening to

the ceo's of the big banks, and financial institutions because they really have a front row seat to economic trends and development in 2018. so i really want to hear what they have to say. charles: michael, how do you feel about this rally overall? occasionally we have a lull like yesterday. then we come roaring back every single time? >> the thing with rally, charles, is we're seeing a lot of rotation intraday, to the point where there are certain sectors like transports and certain names in financials that are overbought. but tech? the looking overbought. biotech is not overbought. brent crude at highest levels in three years. a lot of this makes sense as we go into earnings season. people are excited about tax cuts. looking at banks, they're not necessarily overbought but there's a lot of demand there. there is a lot of reasons to like the banks here. but one thing giving me pause is consumer credit. now, with the tax cuts and lot of optimism there should be more room for consumer loans to grow. but remember in q3, some of the

large banks had to increase, up tick for first time in years in consumer loan losses. in november we had a huge spike in consumer credit. how is this all reconciled? the banks really have this under control. that is what i'm worried about in terms of the banks. has me negative in earnings tomorrow. that is what i'm watching. charles: dan, could be dan, a double-edged sword also, household debt, you know, as -- >> sky-high. charles: household debt is high. but as percentage of servicing it, percentage of disposable income is significantly lower than 2008 when this became a red flag. i know overall you've been bearish, cautious on this market but right now it looks like it is unstoppable. >> it looks like that, charles. interesting a we're on january 11th, was the peak of the market of 1973, before it dropped 50% going into 1974. my point on bank stocks i would

be very nervous at these levels. this tax reform will affect deferred tax assets, dtas. i'm a cpa, but i don't practice, those were assets losses on bank balance sheets going back to 2008 during the financial crisis. with a lower tax rate now at 21%, they're going to have to take a charge to adjust for the tax that has gotten reduced. so from my estimates, speaking to my people, looking at maybe, major hits at citibank which could be a 20 billion-dollar hit and two to four billion on all the other banks to reverse these tax-deferred asset charges and it will negatively affect their earnings in this next, this current quarter. charles: right. >> if the accountants do their job properly. charles: heather what other broader concerns should investors have with this market rally? >> i guess i'm the only bull on your panel charles today on the banks, on the big banks. all the guys are short i guess i

would be a buyer here but general concerns would be higher interest rates that the market can't sustain. if the federal reserve is likely to hike more than the 3/4 basis point that is expected in 2008, we get inverted yield curve and higher rates, on 10-year quickly, pace rises how fast the 10-year moves matter more than incremental moves from the fed. charles: right. >> that matters, to see if the stock market can digest it, you will see massive inflows into the bond market, charles. people want yield. charles: consequently, michael, where we are now, it is maybe raising some flags but feels like all the rotation may be going into the market. you brought up rotation earlier. what do you make of money coming out of utilities? that to me is bullish sign everybody wants to be in growth instead of dividend and yield? >> we'll see about that. part of the move out of utilities, there is

industry-specific things going on there. they have had their runs in the past. there are company specific things, pain being felt in california but other thing is going on, we woke up yesterday but people thought the bond apocalypse was beyond us. >> what happened to that. >> thank you. charles: heather, we'll note tomorrow if you were right or not. >> right. charles: i will email all of you, talk to the producer bring you back on. walmart raising wages, bonuses. the big question how many more companies will do the same? more "coast to coast" right after this. see that's funny, i thought you traded options. i'm not really a wall street guy. what's the hesitation? eh, it just feels too complicated, you know? well sure, at first, but jj can help you with that. jj, will you break it down for this gentleman? hey, ian. you know, at td ameritrade, we can walk you through your options trades step by step until you're comfortable. i could be up for that.

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a place for mom. you know your family. we know senior living. together we'll make the right choice. >> welcome back. i'm charles payne in for neil cavuto. our top story. wal-mart tuesday nights minimum wage and handy now the big corporate tax cut. continuation of a trend with ben on from the very beginning. are they going to be with more? >> probably not geared he can talk, but he did make this point, the great thing about this is the benefits going immediately to these workers, the latest of which is wal-mart before they get when they file their taxes they will get a break, too, but now in the short-term is a cool thing.

at wal-mart today, an increase in the minimum wage for $9 to $11. they got attended a training program, but everybody gets 11 bucks. if you work less than two years come you still get $200 in terms of a bonus. maternity and paternity benefits increasing for women eight weeks is what it was coming out will be 10 weeks. for men, it was two weeks paid, now it's going to be six weeks paid. of course this comes as no cost to wal-mart, but they say they can do it given the tremendous cut they got in the corporate tax rate. $300 million is what it's got to cost for wages and benefits. 400 million to pay for all those bonuses. there's another motive to this as well. target had dirty increased its minimum wage to $11 last year and not over. the unemployment rate at 4% hard

to attract these workers without paying them. rising tide they are. i leave you with doug mcmillan, ceo of wal-mart who made it very clear the reason for doing this come he says and i quote it now, tax reform gives us the opportunity to be more competitive globally and accelerate plans for the u.s. it's a rainy day in the chicago suburbs, but it is a sunny day for wal-mart employees. charles: it certainly is. appreciate it. wal-mart the latest to prove this wrong. >> one of the worst pieces of legislation in either house, but together, worst pieces of legislation to come before the congress. this is armageddon in. this is a very big deal because you know why? there's really a very hard way to come back from this. charles: our business of dirty proving businesses wrong.

certainly not armageddon. getting an extra grand or two grand for christmas. pretty good news right now. 2 million americans. >> any republican should hope nancy pelosi keeps talking about how horrible the tax reform is. the more people see how unattached they are. they pump up the rhetoric how horrible it is millions of americans will die. when people see real results come 80 people pay fewer taxes this coming year. more money in their paychecks. i definitely doubt we will see they say they will do big bonuses. >> they all point to anything that's not just bad. one of the homebuilders yesterday said her business will do better. they are saying it will be great in so many ways direct or indirect and yet it's so

unpopular before it happened. why do you think that was? why would people say you keep more money than you weren't? i would people reject that a poll? >> misinformation about it all. interview showed people thought they would have to pay more taxes than they were again only 5% to 7% will pay more taxes of the new bill and it goes to the narrative of hating trump. many will post anything because of the name. i went out on a college campus and says what you think about the tax plan? yvonne hated it. can i tell you about it? i read a point for point. it's great, compassionate, commonsense. i think a lot of this is partisan politics. people in their hatred for truncated with good business practices. charles: a lot of progressive things that progressives want, that are extended maternity

leave in $5000 for adoption. that's amazing stuff and to me that cuts across party lines big time. >> inherited this entire time as the moneyis not going to give getting back to buy back their stock and what of wasting time after time wasting the workers getting bonuses here. that cuts across party lines for the same reason these voters are traditionally gone democrat. they will be respectful moving forward. still going to be a tough pillar to get across to charles: is bad because it's always top right? massive shifts whether clinton was in office, obama in office. it's not unusual for a new president to have election the first midterm. >> they may not get done.

they point to this as their beacon come in the will make it easier to hold those majorities in the house as well. it's an uphill battle, definitely harder to get when they've done nothing but win for the past two years. >> one of the reasons of course it's a lot of folks who vote for republicans felt like the establishment to do what they said they were going to do. you've got a lot of republican rally now in a lot of these folks are republican areas where trump won big-time and they are leaving on a bench in california also. are you concerned that there could be perhaps the democrats could take over the house under the sun that? >> absolutely a concern. most republicans realize even president obama in 09 there was a huge way because the user to tell voters come in the midterm against donald trump and it is and send a message against your congressman or senator. we will see. i think a lot of those people

stepping out people stepping on her stepping down because they knew they were going to lose, not because they make in some bold statement or anything like that. charles: thanks a lot. appreciate it. meanwhile, are we going to see more expansion in the united states? toyota and mouse announced yesterday plans to build $136 billion joint assembly plant in alabama. president trump tweeting about it in tardiness. are we going to see more of this? the reaction from the republican governor kay ivey. thank you for joining us. >> thank you so much. glad to be with you. charles: congratulations. this is a huge, huge score in the automotive for the state of alabama. $1.6 billion. what does it mean for your state and what does that mean for the nation? >> it's a huge testament to our work for us and it also strengthens our position as the auto manufacturing later and

american factor. we are proud to toyota mazda to come to alabama. charles: again your point it's become something of a hug. you've got the talent there, and the experience in a things like success begets success. perhaps this is the beginning. can we expect more announcements like this? >> i hope so. we're wide open for business and we welcome any firm that wants to be successful in alabama and give our workers opportunity. charles: a lot of these firms and not a makers are foreign automakers. president trump is gone around the world and is pushing for reciprocal trade. when he was in japan in particular they push back and said we've got a lot of companies in your country that provide a lot of jobs for americans. are you concerned about rhetoric surrounding nafta and trade negotiations with china vis-à-vis the kind of amazing success you've had lorraine in

these foreign companies? >> certainly we want to keep these companies in alabama and hiring are people investing in our economy and proof that our people can be gainfully employed and hired and produce good products. i am hopeful that some of that will change because nafta is important to the work we are doing in alabama. charles: i would ask you, i would be in the spotlight with the special election and today the trump administration, ivanka and jerry talking prison reform. it was interesting because i was doing my research on this. you clarified some of the voting rolls in alabama. some people think as a result as many as 10,000 felons were able to vote for doug jones. was that what you were looking for? or is that what you think it's fair when people pay a certain debt to society, even a felony in certain cases they should

have the right to vote and are you concerned should change election outcomes throughout the country? >> well, i never apologize for abiding by the law and the law in the state of alabama specifies how a special election for u.s. senate seat shall be conducted in a simply follow the law. charles: you also clarified what some people thought was up for interpretation who could vote, who couldn't vote. i am just asking because there are a lot of other states mean hey, let's do this, but is it a cautionary tale or something you think is fair? >> the point is, the people of alabama are entitled to vote for the level they want. they are the ones that should select their nominee for the u.s. senate. who is my job to follow the law, which i did, change the election. charles: no one is questioning who they voted for, it is who is eligible to vote.

1.6 alien dollars. congratulations. that's phenomenal. just so you know, a lot of relatives in alabama. my mother is from uniontown. uniontown, soma, birmingham, tuscaloosa. that is all my kid down there. thanks a lot for coming on the show. >> while comic thank you, charles. you come on down and visit your relatives. would be glad to see you. charles: i need some grits. i haven't had the good ones here in a while. see you soon, governor. negotiations of the race to avoid the government shutdown on the way also. we will be right back.

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>> any solution has to include the wall because without the wall, the wall that the word aggregate the wall, we have to have the wall for security purposes. so the answer is have to have the wall.

charles: president trump defending all funding as part of a dreamer deal. where is this all going? daily color editorial there, president trump has held a lot of people said part of the campaign staff, sort of the rhetoric that gets in the office and it would understand if it wasn't done, but its core voters holding them accountable and he seems like he's not going anywhere. he is firmly believing that he must have a wall. >> you want a wall. my question is, is that enough? he's got daca. that's his leverage. we will legalize in the united states. in exchange for that, a whole lot more. i was a fundamental campaign promise, that he could and should in isolation. he's got laboratory about more and a lot of his supporters are looking at this and saying what about bringing into the chain migration and getting nationwide e-verify. these are things that have been

discussed in the white house from what everybody's waiting for is what will ultimately be in the package. charles: they are all bargaining chips, but the big debate is wall for daca and if that is the case, knowing there may be adjustments as it exists right now, would that be okay for core supporters who voted in part wall first, they getting rid of daca implemented by president obama by fiat, would that be enough? >> again, and his reporters expect the wall. this is the chance, to build the wall. this is what the president has cited every rally on the campaign trial. i think what his supporters like with respect to daca is the rule of law, getting rid of daca by executive fiat and this is why the president is saying look, i like this in. are they keeping them in place but i don't like doing it in an unlawful or unconstitutional

way. it is congress' job to make laws as prescribed in the constitution and he expects will do that here. charles: are you confident or he suggested whatever you folks in this room, bipartisan, both sides of the aisle, whatever you come up with, i am willing to sign. some people took it as a notion he didn't understand the issues. always a negative scuttlebutt around it, but in your mind, he's fulfilling a promise i letting congress essentially do it job. >> you are right -- it's important congress do its job as a constitutional matter. i'm uncomfortable with the notion he returned to the very people he came to overturning faith in anything and i'll sign it. i'm certain that is not what is in his head are ultimately what the show does a guy trying to win over the room, trying to convince i can be a dealmaker with you. when the bill finally shows up, that he be the president, in the

same guy who's on the campaign trail, said he will honor his commitment to americans to secure the border in honor his commitment to make sure that the people who come into this country or the people americans want in the country and make sure they follow the law. charles: the stakes are high for both sides. there were no stomach president wants sometime. who blinks on this? >> democrats? >> democrats blink year, meaning of the budget deal hurtles forward, democrats are scared to death have been blamed for a government shutdown. they learned from the lessons of the past. they've tried to blame republicans every time we have a situation like this and i don't think they want to be charged with that. again, the president has the leverage here because they are scared to death of their own base. they really fear that immigration act of us are going to very much hold them accountable in november unless daca recipients can ultimately be given legal status. charles: they were reminded of bathroom whole bunch of town hall meeting that didn't go down

the way they thought it would need --. trying to make a deal holding meetings, that he can't say criticism in the local media who continues laying out the case for his craziness. kawasaki says this week president isn't -- as proving he's not crazy. >> yeah, i think so. his televised conference was really good optics and a good pr move for him for all the people saying this guy is crazy and can't reason and can't deal with both sides. he absolutely can't. the liberal media should be jumping for joy for president trump. they should be saying finally this is our president. to be quite honest, he's proven himself not only to be reasonable, but malleable on the hard-line aspects of immigration policy. yes, he did say that he wants the wall, but iraq got back and

said maybe we don't need the wall everywhere. he's also articulated that he wants some kind of protection for the daca recipients that we have republicans stood for. i think the liberal media should be all for president trump right now, but instead there was an op-ed this morning by "the new york times" that basically donald trump and all of his supporters are exclusively fueled by white supremacy. the dissonance between what president trump is doing and saying and what the media saying is incredible. charles: the article you're referring to is not. it really is insane. mean-spirited staff i don't know why they continue to print things like that can push the narrative. today they talk prison reform. they have maternity leave for parental leave adoption bonuses. these are things in traditional

republican orthodoxy, but it is part of president trump particularly with his daughter. >> this is exactly who president trump wanted to be with his post-partisan conciliatory dealmaker and i conciliatory dealmaker in a thing as producing with seen with the negotiations with immigration and all the reasons you listed as well. the liberal media not to take that into account continues to rail on the whole narrative that is not just mentally unstable, but mentally ill really showed not just their logical fallacies, but completely addicted to partisanship and that's a shame not just for them, but the american people. charles: some might call that a mental issue. i don't think we want to go down that path it always appreciate your views. thank you very much. >> thank you. charles: a lot of positive news on the economy. pay retirement crisis looming a

record close under president trump. we will tackle what's powering this run tonight i'm making money at 6:00 p.m. eastern. keep it right here. you will see me again tonight on "fbn:am"ee. actually, i want to know what you're thinking. have a seat. yeah. knowing that the most important goals are yours. with 15,000 financial advisors, it's a big deal. and it's how edward jones makes sense of investing.

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charles: we are minutes away from hearing the president began a roundtable discussion on prison reform. in the meantime, force the work for the job administration allowing medicaid recipients to have a job. this assured to get a lot of backlash, but the question is, would be justified? fox news contributor cat temps. something tells me you are okay, do you think there may be a problem with this. am i right or guessing wrong? can i pay more okay with this change. exactly what we need to lift people out of poverty. 1986 when bill clinton worked at the republican congress in a bipartisan way to implement these work requirements to get public assistance.

we saw millions of people lifting our poverty. millions of people who had their families lifted to a better standard of living. basically helping people make sure they are held accountable to help themselves. >> i think people might call it cruel. i don't really know why they would call it cruel because they feel it though working to get stuff isn't cool so much as it's just kind of how life is. as kerry pointed out, bill clinton did this. i'm sure will be, but it's not the first time something like this has been done and when it done, to work. charles: like the wal-mart news today, stephen push rack on twitter same wal-mart is rich coming they should be paying unskilled workers $20 an hour. we will never have skilled workers. you are actually empowering people to do something that may innately be inside of them and it nudge to get done. >> well for his compassionate o.

that is happening in parts many cases. >> this is treating people as an outside rather than a liability. you have something in your required to give back. the mentality shifting to happen that we are all assets. we have something to contribute and it's a liability mindset. you are having people feel like they are crippled, like they have to be stuck in the system. basically the system is a ceiling rather than creating it as a jumping board for them to john. charles: everyone is born with an guess i never have a chance to unlock it because if you are born cradle-to-grave, sometimes you don't understand how to get out, to propel yourself out of the situation. the prison reform roundtable, thoughts on that. the governor of alabama pushed back i think she took the question the wrong way.

at to vote in the alabama election because she clarified voting rolls before the election in their same felon shouldn't be allowed to vote. what are your thoughts on that? to make depending on the felony i don't have a problem with that. a lot of criminal justice issues we need to take a look at in a generally take the exact opposite view that president trump's attorney general does on that view. >> jared kushner is a big issue for him. he's taking it personally with the criminal justice system, so i know there's an administration saying this is about human freedom. i do agree the punishment should fit the crime, but let's be honest the system is not uniform. the way that it's implemented is not consistent. so let's be consistent in how we are viewing it in making sure the reason why mandatory minimum sentences as far as i'm

concerned are worthless. not worthless, but mindless. not allowing tailored. >> they want to be really lazy. each individual crime is different. no reason for something like that. charles: i agree with the mandatory sentencing things. there's a lot of a lot of times when you're in an environment where your a good kid or a bad kid to force someone to do something that if they are singled out thing and that your parents can limit your teachers, this isn't really you. we don't have to put your weight for a minimum x amount of time to create a hard-core lifelong criminal. some people it would never come out. >> a lot of people it becomes their master's degree in criminology. but could've rehabilitated them, go to juvenile as opposed to hard prison. lots of things they could do to prevent hardening of criminals. >> absolutely. i'm on the side of more freedom than most allows with more

sentencing. someone who is a good kid as you mentioned in the type to another person's life is not better off if society would miss out on whatever they've been able to offer had the judge had the freedom to offer a dissenting think that was appropriate. charles: ladies, thank you both. meanwhile, a retirement crisis looming. don't go away, guys. i'm going to ask you about this. for gen xers just not ready for retirement. kat, what exactly does this mean and does this also mean the lineal, are they worse off? >> the lineal summers off and that's not surprising. gen x talking about three financial crises, the fact that pigeons are getting anymore, mostly all 401(k) we have to save yourself. let's face it, being alive is very expensive, and talk about millennial, there's astronomical amounts of student loan debt where people are tired. i will be dead before i can pay off my student loans.

charles: living is expensive, but it's also expensive for millennial to take pictures in front of a private jet to put on the instagram thing. i believe peak materialism means peak celebrity of them and i think it's draining the out of millennial bank accounts. >> i agree there is this sort of status keeping up with the joneses in that one has to put up this façade on social media. i also think it's our consumer culture coming home to roost where rich, obese, doesn't like to be -- speaking on a per capita pound basis, 40 pounds heavier than we used to be or so. even two decades ago. we are not takincaref ourselve and o wallets or even our bodie charles: the problem is let's geto the notion of fear of missg out on livg for the

momentli, ving in the here an w. how do we change t mind folks, millennial essay why save? i understand the skepticism. markets crash, why should i put the money away to go up in smoke one day where i can go out and hang up and go to a great concert. >> canyon is fun. i would pick a different artist and. look at it in a smaller turn rather than a longer picture. retirement is important. maybe if i take the subway instead of a car today, it's kind of cold out. maybe if i go grocery shopping, maybe i take a picture in the dressing room imposed on instagram, don't actually buy it, small things like that can add up and you can spend money. >> let me tell you it adds up, those bluebird trips.

>> i do want to see that. >> every parent i know with a k. feet teen-25 is complaining to me because the parents have to help pay for them. you are fantastic. our tensions with north korea e-zine. maybe not. president trump willing to talk with north korea and vice president pence just issued a new warning. right after this.

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lot of tech companies are reporting today. and, how's it looking? >>i don't know. there's so many opinions out there, it's hard to make sense of it all. well, victor, do you have something for him? >>check this out. td ameritrade aggregates thousands of earnings estimates into a single data point. that way you can keep your eyes on the big picture. >>huh. feel better? >>much better. yeah, me too. wow, you really did a number on this thing. >>sorry about that. that's alright. i got a box of 'em. thousands of opinions. one estimate. the earnings tool from td ameritrade. >> the underlying message is the president is sending us there to make it clear that we stand with south korea, singapore allies in the region and we will continue to bring maximum, economic and diplomatic pressure to bear until north korea abandons its nuclear and ballistic missile programs that threaten the united states of america. charles: vice president and sending a warning to north korea

if the u.s. has a new show of force is to .3 nuclear-capable stealth bombers in 200 or personnel there. the fallout from all of this. there have been a lot of shows from naval carriers, aircraft carriers and of course now stealth bombers and guam. north korea continues with their belligerence, with their tests and scarily they continue to get better at holiday. >> thanks for having me on, charles. north korea has been able to solve this message to the rest of the world that this is between north korea and the united states. our missiles are aimed at the united states. what is goodyear is south korea's president has been president trump credit for the talks between the two countries. that's a good thing. good to see the show of force and guam and also good the south korean president is giving this administration credit.

>> that is good, but let's face it the south korean president is progressive. he didn't want to bring missiles then. he was okay with renewing the sunshine policy, which at one point funneled millions of dollars from south korea to north area without any accountability, no doubt a lot of people went to the development program in the first place. president trump juggling a lot of trying to get china to cooperate, south korea to grow a backbone and two at japan's role should be to make this their constitution -- their pacifist constitution. >> all those players you mentioned have to play a role here. again, it's the united states. that continually deals with the risks of north korea becoming a nuclear power and has to convince their neighbors next south korea and japan sign

board. in south korea i don't than how a progressive leader of a country to somehow believes north korea is a nuclear power or iran power or of men becoming nuclear powers somehow progressives. charles: michael, lott michael, lott has been made coming into the year. more optimism perhaps towards a diplomatic solution. north korea sending a squad to the olympics including cheerleaders which i can't wait to see how that plays out. are they stalling? are these classic north koreans don't tactics counting down the way it is, what's the ultimate outcome of it all in your mind? >> i think if we listen to russia and china, they are pushing for some sort of nuclear deal with north korea similar to let the iranians got. instead of the nuclear deal that relies again on iaea sanctions, not sanctions but inspections of north korea nuclear facilities, not as part of the long-term

effect of this. the short-term effect is this impacts the olympics in the united states anytime it puts these in place by north korea that is backed by the european in the community. every time we get them to veto something, that's a good thing. charles: i want to ask you, suggesting president trump could make a decision on iran sanctions sometime today now. you are leading a group against the iranian deal to begin with. how do you feel about what we are hearing, what is swirling perhaps is softening in some sort of accommodation that keeps the deal in place. >> well, we focused on the concessions made in the jcp away pentagon nuclear concessions in the regime, banks that supported terrorism cannot sanctions. individuals in the leader of the besieged somehow got sanctions

in the iranian deal. last week, a group of people in d.c. got a chance to give our take to the national security council and we recommended putting sanctions on human rights abusers in the entities that the regime uses to pay them in the export terrorism. these are things that supporters of the iranian deal say they are for. they are for curbing iran's expansionism goals in the region for controlling the ballistic missile tests. but when we showed them these are actually somehow believe if they make any changes to jcpoa, that the whole thing collapses do not not the case. charles: so what is going to happen? iran is certainly exporting terror in the region. they are working hand-in-hand with north korea and we are also at this unique situation were outside the big cities, economic strain is being felt and you have may be the beginning of

something that could be an uprising. >> the sanctions relief, $100 billion didn't go to the people. they went to the regime and it went forward on trend towards export terrorism. i think that hopefully there will be a decertification of the iran deal for another 90 days. waving of sanctions and then there will be targeted sanctions that i spoke about. human rights abusers and the banks to support them. hopefully that's what happens. we are hearing iran's broadcasting network will be sanctioned. the propaganda waiting for the regime. >> thank you. appreciate it. connell: spokesperson for arizona, senator jeff flake says that by part indio has been breached and will be presented towards the white house. there is some doubt and of course there will be fallout. we are on top of this then we will have more right after this.

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charles: could we be saying so long cadillac tax? house ways and means committee brady says repealing tax or high-cost employer provided health insurance could be part of the spending bill. of course we'll have more details on now when we get them. crypto currency continued a crackdown in asia.

>> south korea might abandon, but that was enough to put pressure on a lot of the different coins, bitcoin, they drop something between 15% and 20%. we have to underline this day and might have been. i have a quote from the minister of justice in south korea. crypto currency trading is looking similar to speculation and gambling. this is so popular, charles. you know this in south korea. the retirees beginning to invest them as students beginning to invest in anything the government is like hang on. even from a practical stance, i'm not sure they have all the structures in place for example here for the most part has actually taxed at the security, and therefore capital gains not as a currency. even trickier, but there they thought this is so popular and

now reaching potentially vulnerable parts of the population. senior citizens and students we need to just send a little message. charles: this is the first shot across the bow. i have read stories where the housewives but the kids kids on the bus and go home and did trading back in america, go to work. >> that is why you have a stronger message. this is not the first message, but i think this is the one that was sent from the most official point in the south korean government. all of december last year we were beginning to hear this might happen, and this might have been. no matter what, even if they want to put the ban on trading, it will still take months, maybe even years. even if you look at bitcoin price is, as i mentioned they have 15% to 20% in may of 80% of that loss. >> the overall narrative that

you still buy them. real quick, china. >> the chinese are very afraid of bitcoin. the u.s. dollar versus yuan. the last thing china wants is any kind of messing. china actually used to represent 90% of crypto currency trading at one point in the government. trent a lot about was capital flight. >> they nip that. >> they nip that in the bud really quickly. you cannot be caught trading crypto currency. charles: deirdre bolton, thank you very much. appreciate it. wal-mart announcing plans to raise wages of those one-time as business confidence continues to expand following the passage of tax reform reaction from one needed to gain. first of all, the last number out, on others drawn, strong number, but as i combed through

the internals of it, it feels like it spinning its wheels a little bit. the first to react positively almost instantaneously. what do they need to see now? >> thank you for having me. nfib has been conducting this research for 44 years than we have an extraordinary 2017 in that it is the highest monthly reading of the optimism index since we began the survey. this is an extraordinary statistic and it does reflect the fact that small businesses desperate for tax relief, desperate for regulatory relief. now that they have it, they were enthusiastic and exuberant about the economy. charles: how do they stay exuberant and more importantly, has the will of congress to kind of move? success begets success. >> there's no question. we are seeing capital outlays, plans for capital outlays,

expected better business conditions. many, many of the factors within the index are growing. one of the biggest problems they have right now is finding qualified workers feared you are going to see some wage pressure and wage increases by virtue of the expanding economy. charles: that is the any big issue for all businesses, but is typically in your survey. where do we go from here? it feels like president trump understood instinctively or perhaps because he's a businessman how important attacks though was. some folks in small businesses tell me they'd like to see more work done on obama cared, that there's still issues that hurt them specifically more than large businesses. >> well, they identified the organization that we lost. finally we have a congress and a president who understands how crippling obama cared then forced out of business.

it was a great first start, but there are many things that still need to be done to reduce the cost of health care and get more affordable health care insurance for small business owners and their employees. they really should delay or eliminate the health insurance tax. they need to delay or eliminate altogether the enforcement of the employer's mandate. those two things would go a long way to giving small businesses the ability to provide what they need. congress has plenty of work to do on obama cared and small business owners are expecting it. trent do your work is great. thanks for putting it out there. >> thank you for having me. trent remarks are president trump as he holds a roundtable on prison reform.

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flake signaling there is. there is a whole lot of doubt on capitol hill this is going to make it. we're on top of that all throughout the let's of the day. we'll have the latest and biggest stories on my show, "making money" at 6:00 p.m. right now trish regan. keep it here. trish: thank you, charles. the treasury department announces that the americans will see fatter paychecks in february as the new republican tax law takes effect. good news for everybody's wallet. which expect to hear from the white house on these changes happening to people's paychecks as well as this whole immigration standoff. as we see another record stay -- day on wall street. 25,509 on the dow. got to love that. s&p, 2762. check out the nasdaq