revolving credit account, yesteryear's problem.o do is spread it in three easy payments or six and a firm allows you to do that. basically put your name and birthdate and if you like it -- >> approval happens instantaneously. >> what's the interest rate like? what's the average score? how do you judge the creditworthiness of some of these millennials who have little history? >> mostly the prime customer for us are misrepresented by the fico score and credit bureau data but we look at other things. people are excited about putting themselves out online. we gather information both online and offline and give credit instantly. we try to offer them a rate that's a little bit better, sometime as lot better than what their credit card would be if they had one. most people are not excited about using a credit card. half of these people say i have access to a credit card but i'm not going to use it. >> i've been bn hearing about a lot of financial startups trying on to take unique approaches to shaking things up, looking at soeshl and taki

. >> and if the primary voters of yesteryear are like the ones today, i doubt ronald reagan would havehim as his running mate. i think he will have ate lot of problem getting out of the prime air why. >> great to have you both with us. thanks so much. remember to answer tonight's question at the bottom of the screen. share your thoughts with us on twitter and facebook we want to know what you think about this one. >>> coming up outgoing senator from oklahoma, next. good morning everybody. we are about to make more deliveries to more places than anybody on earth. we have the speed. we have the technology. and we have the team. we made over 15 billion successful deliveries last year. 15 billion! football has a season. baseball has a season. this is our season. >> my heart brakes for the people who commit suicide. they find no relief anywhere else except death. there's no answer for them. we don't give it to them. we have failed them. >> good to have you back with us. this one's hard to comprehend oklahoma senator one of the outgoing senator's final acts was blocking a bill to prevent sui

fewer americans are hitting the mall, so will these end up being mausoleums to capitalism from yesteryearew uses for them? we're talking about real estate investment trusts. you always ask me about it. or how about just living in an old jcpenneys store? think about it. we'll be right back. ♪ ♪ hard it can be...how ...to breathe with copd? it can feel like this. copd includes chronic bronchitis and emphysema. spiriva is a once-daily inhaled... ...copd maintenance treatment... ...that helps open my airways for a full 24 hours. you know, spiriva helps me breathe easier. spiriva handihaler tiotropium bromide inhalation powder does not replace rescue inhalers for sudden symptoms. tell your doctor if you have kidney problems, glaucoma, trouble urinating, or an enlarged prostate. these may worsen with spiriva. discuss all medicines you take, even eye drops. stop taking spiriva and seek immediate medical help if your breathing suddenly worsens, your throat or tongue swells,... you can get hives, vision changes or eye pain, or problems passing urine. other side effects include dry mouth and consti

unlike yesteryear when high yields were the function of a broke stock. it's the opposite this year. up here, these are the current dogs. all household names. you know them. some of these companies are well-over 100 years, but most have individual challenges from the abandonment of land lines for at&t. from chevron to exxonmobil. global economy for caterpillar. changing tastes for coca-cola and dragging their feet on ibm. they all have individual issues. james, i know you're a value investor. i know you focus on fundamentals. this would be up your alley, i would think. >> it's a tool. one of many. i would look at this as a screen, a place to start and look for new ideas. go further. ibm is on there. the fundamentals support an investment in ibm in my opinion, but i don't slavishly follow the theory. it's a tool. charles: if someone is watching that stock. i want to buy a stock for five years, ibm give them the green light. >> five years is where you want to be. any of those names should be higher over five years. charles: i think they will all be higher will the stocks be higher? mat

not when you consider that in the last 50 years the flower children of yesteryear had bequeathed a sensenti-americanism to their children and most prominently to the so ythousands of far left educators embedded in the system. faculties have instituted and encouraged a culture of dissent and the criurriculum rewrites american history. at the university of california at berkeley where protest was cannonized ha of ed half a cent students marked the birthday of the free speech movement last week with demonstration that is included blocking highways, breaking windows, looting and shouting down a guest speaker. like their forbearers, they are still an angry, one-issue crowd, creatures of the academy. it was the war on civil rights then, now it's all about race simple. no opposing views are tolerated in this national conversation, just as they were snuffed out in the age of aquarius. the fractures of the protest generation are still not healed, only reinforced by their descendants. >>> well, there's a deal on capitol hill. the senate has approved the 1.1 trltz spending bill. it was a voice vote

protect worker safety, and i thought they slaughterhouse today was different from slaughter house of yesteryear. let's talk about the company, hormel, at the center of your book. talk about -- we all know that most important invention over the last 50 years have been antibiotics, the ipad and spam. the tins meat, which came from hormel. where did this company come from and how did it become as big as it is today? >> guest: hormel was founded in austin, minnesota, founded by george a. hormel, it's worth noting right off the bat that the family still pronounces the name hormel. it's a german name, not a french name, as the company was sort of rebrandded in the '70s at a time when americans were discovering french cuisine. but george a. hormel founded the company and really founded it originally as just a small business where he was processing a few hogs in a week and supplying the local market in austin. but interestingly, right from the beginning, the company sort of had a way of taking advantage of economic downturns. when there was a major economic downturn in 1893, that had to do with overbui

have the right skills to address today's 21st century manufacturing, which is quite different from yesteryear, because today, as we look at manufacturing, the skills that our workers need -- critical thinking and problem-solving abilities, math and writing and an ability to communicate, an understanding of the manufacturing process, and an ability to engage workers in improving that process -- this wasn't necessarily the case 20 or 30 years ago. but the united states of america is poised -- poised and has an opportunity to really be the leader in advanced manufacturing. and we have such a talented work force, but our workers, they need the type of training that is going to address this new type of manufacturing that is so focused on having the right skills and technology, use of technology and problem-solving skills that we know that workers both in new hampshire and delaware are quite capable of if we give them the tools that they need. a reality of today's world is that although our economy is bigger, we're more interconnected than ever before. and job training needs to be customized to the

these were the yesteryear stocks that cratered in march.s tales we repeat yesterday's comeback. that's what i want to see. because these mornings have been false tells for a lot of the stocks in the afternoon. >> people say the same thing about a go pro, loco, or crazy chicken, as it gets called on twitter. >> that's been remarkable. 52-week high yesterday. domestic on fire. >> all right. what's on "mad" tonight? >> we have pet fresh, which is a company that makes food -- fresh pet, i'm sorry. they make the food that looks like human food that -- my dog didn't like it, frankly. don't count me for taste. my dog likes ligaments, cow ligaments. then isis with a big breakthrough. fresh pet has the food that looks like it's in refrigerated cases can and looks look boar's head. >> it's meant to appeal to the owner of the pet as opposed to the pet? >> some dogs like boar's head. >> overall, jim, the tone, cashen was on yesterday and said even though the seasonals this time of year are generally good, this is the least good of those weeks leading i

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