too much of a good thing: how farmers are coping with an excess of rain. in today's cover story, if money talks, then get ready to listen. what you can learn from money smart week. plus, healthy numbers: the state with the super-fit workforce attracting new business. and, twitter is getting set to go public. we'll connect with our traders to see if the stock would be worth a buy. first business starts now! you're watching first business: financial news, analysis, and today's investment ideas. good morning. it's friday, april 26th. i'm angela miles. in today's first look: fed comments cool stocks. a robust rally was underway, but stocks seemed to pull back after federal reserve chairman ben bernanke commented at a financial stabilty oversight

meeting vulnerabilities remain in the market and regulators must be vigilant. in the end, major indicies made modest gains thursday, although, it's the 5th rally in a row for the nasdaq. gold rushed up $40, while oil had a spurt of $1.75. in earnings after hours, starbucks brewed up record revenue but missed on guidance. amazon topped expectations with revenue that increased 22%. the 15-year mortgage rate fell to a record low this week of 2.61%. the 30-year dropped to 3.41%. todd horwitz of averagejoeoptions.com joins us on this gdp friday. good morning to you, and what will the trade look like today? - good morning. i think a lot of eyes will be focused on this gdp number. yesterday we made a run at the highs and failed a little bit, sold off maybe half of our gains. ben bernanke said a few words, maybe we are

vulnerable, so maybe that was part of the reason for the sell- off. maybe the markeisetng a little tired. but it still looks like the bulls are in control. but this gdp number could be the secret sauce that could turn the market over. - gold is turning into a go-go for traders out there. why is that? - this is what is known as an old-fashioned short squeeze. they sold it off so hard, and they got everybody short into the market, that now what we are getting is people are climbing over each other to get out. they are short, and they are screaming for mercy, and that is what happens. when markets get over-sold, you get a short squeeze, and like i said, this is a good old-fashioned short squeeze. - we are looking at earnings activity as well. what's on your radar? - you know, amazon came out with earnings yesterday, and they were- they beat, but the stock wasn't totally thrilled with it. i think what you have to watch is, we have been having a rough earnings season, and a lot of companies have been missing on either the top or bottom line, and the market is getting slightly overvalued

here. i think that you've got to watch the general picture and see what goes on from here. - would you buy anything today in this market? - i am not a buyer of anything in this market. i am not necessarily a seller. i am looking to get short, but i am not necessarily a seller here, i am more of an observer. but i am definitely not a buyer. i think new money here would be irresponsible. - thanks for being on the show today. todd horwitz. thank you. for 11 years, the federal reserve bank of chicago has sponsored "money smart week," a series of free workshops to teach financial literacy to the public. in our cover story, we sat in with some of this year's participants and found improvements that mirror national trends. one trend we found, a lot of people are desperate to get their credit card debt under control. "this was very informative. i got into debt with a card that had a 36% interest rate and like a dope, i ran it up." "over the years, i've had debt - paid it off, then got back into debt again." as a nation, domestic credit

card debt has been dropping since the recession. more americans are trying to pay it off, just as more americans are actively seeking out financial advice. "do i see a higher demand for it? yes." "she gave us a strategy of paying off the highest interest rate first and put the card in the freezer." "making a little more than the minimum to decrease my debt." this workshop held at american intercontinental university was just one of more than 500 free sessions sponsored by the federal reserve bank of chicago's money smart week. but a workshop that followed, starting your own business, drew a bigger crowd. "most people have an idea for what they're successful at, but running a business is different from what you're passionate about." and a recurring theme - there is a lot of free advice for anyone. "keep in mind that there are a lot of free government agency information sources. illinois

has a number of these centers." best of all, these web sites provide start-up information fter money smart week. one of the most widely-used starting points, the small business administration's website, sba.gov. airline passengers may be stuck with delayed flights - for now. tonight, congress goes on a week-long break, leaving little time today for lawmakers to step in with a fix-it plan for furloughed faa workers. thousands of delays and cancellations stacked up at airports across the country this week as workers were forced to stay home due to sequester cuts. a white house spokesman indicates the president might be willing to accept legislation that ends the faa furloughs. a republican lawmaker suggests shifting money from a grant for airport construction to pay airport controllers. boeing's dreamliners are cleared for take off with united airlines. faa approval ends the three-month ban that grounded the jets after batteries caught fire. united can fly the 787s, with domestic flights

beginning in may. other airlines are expected to follow. as for earnings, united's first- quarter loss was smaller-than- expected at $417 million - tamped down by lower fuel costs. with an eye on earnings, revenues climbed at united, southwest and jetblue. there is a connection between higher ticket prices and baggage fees to the revenue rise. exxon profits gained $436 million to reach $1.14 billion. 3m fell short on its earnings and its revenue, and warned profits going forward will be lower- than-expected. still the conglomerate company will increase spending on new factories overseas. ups profits were above estimates on strong post-holiday sales, and harley- davidson profits popped 30%. a software glitch caused a three-hour delay that prevented the opening of trading at the chicago board options exchange thursday. the delay prevented investors from trading options

on the s&p 500 and volatility index. investors often use thosas a hge against stock market swings. the outage was not traced to a hacking incident, but it did raise new questions over the cboe's near- monopoly on stock-index options. the death toll is well above 200 and climbing from a tragic factory collapse in bangladesh. the country's prime minister is threatening to punish those involved in allowing workers to enter the 8-story building even though cracks at the garment factory were reported. walmart, childrens place and dress barn are among the businesses said to be using the building. however, a walmart spokesman tells abc news "we are saddened by this tragic event. our investigation has confirmed walmart had no authorized production in this facility." twinkies are among america's most beloved treats that will no longer be made at union shops. the new owners of hostess brands will not hire members of organized labor in its factories as it revamps the

brand. that's according to a report by the wall street journal. after hostess workers went on strike in november, the company decided to close its doors. metropoulos and company, along with apollo global management, then stepped in to buy hostess. those firms now say it will employ 1500 non-union workers. hostess brands hopes to have the famous twinkies, ho-hos and ding-dongs back on shelves by summer. wet weather is putting the chill on farming. phil streible of rjo futures joins us now with a crop update. good morning, phil, and is the abundance of rain hindering farmers in planting? - yeah, it has really slowed down planting. we are starting to see quite a bit of moisture, and most of the farmers that i am talking to, about 30% in their planning are a couple of weeks behind. if you look at the 1- to 5-day forecast, still excessively wet, although it is going to warm up. the 6- to 10- day forecast is where we start to dry up, and they will start to catch back up on that planting cycle. - is the rain helping to ease the drought conditions? - i think it has. it has really

put some of that moisture back into the soil. i think that is going to help out crops for the long run, get them off to a really good start, really good planting season this year. so i think that, definitely, some of those drought conditions have subsided themselves. - and hopefully prices at the grocery store as well. thank you phil. - thank you. a group of doctors want to throw a lifeline to cancer patients taking costly drugs. they say the cost of medicines that treat a deadly blood cancer known as chronic myeloid leukemia are "unsustainable" and "immoral" according to a research report. more than 100 cancer specialists worldwide want to band together to bring down prices. one example: gleevec, made by novartis, which cost $30,000 a year in 2001, has more than tripled in price. some college-bound students are considering schools in canada. the number of u.s. students moving across the border is 50% higher than a decade ago. reports say canadain schools offer lower tuitions, allowing students to graduate with less debt. the popular university of winnipeg offers tuition for about $11,000 a year. an insider says students who graduate have access to top

graduate programs around the globe. high school prom is turning into a pricey rite of passage. parents and teens will shell out an average of $1,139 on the event - that's up 40% from just a couple of years ago. the spending trend is said to be driven by pressure to post perfect pics on facebook and instagram. h&r block is offering $25 - and an apology - for refund delays. $25 prepaid debit cards will be sent to clients whose tax refunds were slowed by a software glitch. delays were caused by changes in the way the irs processes claims for education credits. it's unknown how many were affected, but h&r block says most have already received their refunds. a coffee break with apple's ceo is on the auction block. an online charity is auctioning off a half-hour coffee break with tim cook. more than 50 bids have been placed. the highest is

over $200,000. if cook doesn't strike your fancy, you can also place a bid for a date with william shatner. the auction ends may 14th. still to come, in traders unplugged, the guys hash-tag it out. their thoughts on twitter's upcoming debut in the market. that's later on. but first, why in-shape employees are saving corporate america a bundle. that's next with bill moller. i wanted to be in the military since i was a kid.

i served a total of 16 years. and at 19 years old, that's the first time i ever saw somebody die. coming back, i was raging. i started having pretty horrible nightmares. i started drinking a lot. i guess i never recognized it in myself.

it all starts with going to the va. there's a whole community of veterans that just want to help you out. it's for the guys who couldn't come back, you owe it to them to live well. because they're not here with their families. cities & states fall all over each other brushing up their welcome mats trying to attract new businesses. they offer tax breaks, abundant resources, good transportation - those are some of the come-ons you often hear. but the state of colorado

& denver have a compelling and rather unusual attraction - because of the state's remarkably low obesity rates, they offer up a very fit and healthy workforce. kelly brough is president of the denver metro chamber of commerce. kelly, is this something that companies want? why should they care about healthy workforces? - well what we have found is, some of the smartest ceos in the country recognize the cost of your workforce is probably one of their top costs, and the health of that workforce really impacts the cost. - how do you market that? - we market it by sharing with ceos that we are the leanest and most active adults in the country, and they should consider coming here because our employees are going to be more productive, present more, and cost them less in terms of health insurance. - and those are real numbers. any ceo would recognize that as really an attraction. - absolutely. and it is just one factor in many, as you said, but a very important one, and we think it is one that more and more people will find of value. - i love this idea that - you

are trying to attract ceos that are in california - and every year - you've done this for a while - you send them a particular valentine. tell us about that. - on valentine's day we send ceos in california a message that says "colorado loves california." it's a broader campaign, and i suppose it is a great message. we don't send them chocolates, but part of the message is to say we have a healthy workforce and we have a lot of amenities here that can serve them well. it is a creative way to get their attention. - any successes? anybody who has actually come to denver, the metro area, because of this? - i can't point directly, but i can absolutely tell you when we do the campaign, we also have trade missions associated with it, and we have had great discussions and resulted in companies definitely coming from california. - you actually help them with numbers and show them comparison reports about absenteeism, healthcare costs, and whatnot, so they can compare it to what they are paying in their states? - absolutely. those ceos who care about it, we can give them tons of detail about why our workforce is so healthy and so valuable to them. are right, kelly brough, who is the very fit-looking head of the chamber in denver. thank you so much.

- thanks for having us. thank you bill. still ahead, traders unplugged, and you might want to brush up on your pizza trivia for this week's bonus round question.

and now, what you've been waiting for: traders unplugged, starring alan knuckman and andrew keene, ready to tackle the topics of the week. good morning. let's start you off with topic number one: earlier this week we had a plunge in the market because of what traders are calling a

"terror tweet." but what investors want to know is, will the twitter ipo be a buy? - definitely 100% twitter is a buy. if you look at - i take the el every morning, the subway - everybody is on twitter. they're not on facebook anymore. facebook is a sell, twitter is a buy. linkedin is also a buy. i think zynga, lottery ticket, that is a buy as well, because that is getting into online gambling. so i say buy them all and sell facebook. - the question is how do they monetize it? yes, it's popular. obviously it has an influence. but how to they monetize it? - someone buys them. apple buys them. - they had a contract to get a lot of advertising, so yes. but i think the best play here- i like to let an ipo trade and then make some decisions, so you don't get in facebook trouble. but looking at it, zynga i think as the best the upside opportunities. it has been trading between $4 and $2 since august- - it has terrible earnings. - and it's a lifetime stock that you can treat like an option. - topic number two: it's almost may. will this be the year that traders should "sell in may and walk away?" - the history of this is silly. people used to go away in britain for the summer, so

volumes would decline. so, it is kind of an archaic idea. then they would wait for the leeds horse race and then come back. so, no, i don't agree with it. there is more upside to the market. - there is historical data that can say certain things, like april is historically a good month. we also say "as january goes, so goes the rest of the year." - until it doesn't. - but, i think the stock market is headed higher. i don't know if we can get too much higher. we need participation from technology, the banks, and global growth stocks- - i have something here: m-a-y, malaysia. malaysia has been trading between 1250 and 1550, broke out to the upside. 20% upside target on m-a-y. that is the may that i am going to buy. - topic number three: a slice of pizza. we're talking about a pizza pie. domino's' stock has gone from $30 to $50 since july. should investors buy a slice of pie? - i definitely think so. domino's reports earnings next week. up 42% this year. strong stock goes stronger. look at coke, look at pepsi - consumer discretionaries, consumer staples. people want things that are cheap. pizza is cheap. domino's pizza is headed

higher. please don't tell me you like yum!. - i am going to bring out yum! again. i hate to do it. yum! is trading between $74 and $62. the target is $86 - 25% higher. it is at the low end of the range right now. -yum! has too much exposure to china- - yum! yum! yum! - and that takes this to our bonus round question. here is the question: what percentage of domino's franchise owners started by delivering pizzas or working entry-level pizza jobs? is it 10%, 50%, or 90%? - i know the answer. - i wasn't a pizza guy. i started at the wendy's drive- thru. - 90%. - good job andrew, you win this week. thanks a lot, guys, for playing. first business news continues right after this.

fer with a deadly disease. i was one of them. my disease was obesity and after consulting with my doctor,

i received the effective treatment i needed. please join the obesity action coalition to acknowledge obesity as a disease visit obesity action dot org to sign an open letter pledging your support and for more information about how to talk to your doctor about weight loss and treatment options. together we can make a choice to end obesity now. a public service from the obesity action coalition.

amazon deserves extra attention this morning in chart talk now. matt cavanuagh of cmz trading joins us for that. good morning to you, matt. - good morning. - we are now post-earnings from amazon. were you impressed by the numbers at all? - yeah, i thought it was a little bit better than expected, but you know, does that even really matter for amazon? this is a company that in q4 pretty much missed on everything, but had a little bit better gross margin, and the stock was up 8%, so i am not really sure that this is a stock where the numbers matter so much. - jeff bezos, the ceo, is telling reporters that he sees amazon green-lighting more tv shows, and it seems like that is where the internet is going. people want to watch tv on their tablets, for instance. does that help amazon's case? - absolutely. they are a giant global company. anywhere that they can get their fingers into is a good thing. but, the answer with amazon is always, "what are they going to do? what are they going to do?" i think this is another one of those continuing stories. what are

they goingto do down the road? - what are you going to do with the stock? - i see it pretty much range- bound here. i see resistance up at the $285 area and support down at the $250 area. one of the things that i looked at doing with a stock like this that has a really high volatility but a pretty tight risk range that i see is selling out-of-the-money call spreads, selling out-of-the- money put spreads, and hoping to take in some premium from that increased volatility. - thanks a lot for that. that is matt cavanuagh of cmz trading. have a good weekend, matt. - thank you. it's closing time for first business. coming up next week - you will love this: we will have tips on how to publish your own book! see all about it on monday. from all of us at first business, have a good friday, and thank you for watching!

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