lance roberts, sda wealth management ceo. he thinks stocks are overvalued by the way. pat dorsey, where have you been, pat dorsey? san bell captiva investment advisors president. he will tell us where he thinks he sees biggest international opportunities. todd horowitz from the cme. he still thinks this market is overdone. how soon, do you think janet yellen's mystique, her magic has worn off or is this a temporary slowdown in the market? >> hi david, hi liz. i think it has not warn off. i think we still have the information she has got. she will testify again tomorrow. what is the important thing, transparency is out there and now we go back to real trading. real trading will continue correction we started before they anticipated the move she was going to make. everybody kind of figured what she was going to say yesterday and priced it into the markets on thursday, friday and yesterday. today think we're taking rest. probably go a little bit higher. i would look for a spot to start selling this market now. liz: 31%, pat that is what the nasdaq has done over the past y

. >> joining us is lance roberts, the chief executive of s.t.a. wealth management. great to have you with us. hts begin by just outlining the challenge that exists for many americans. how do they know how much money they need to put away for their retirement. >> well, the problem is you need to know kind of where you want to end up so you can know where to start. it's like making a trip to drive to canada. you have to know where you are going to start from and where you can going to wind up. for many people this is kind of hard to understand and hard to plan for because it's so far out in the distance. rules of thumb that will generally get you there, if you are saving 15% to 20% of your annual income, you are probably going to be pretty close to the ballpark when you get there. >> but a lot of people can't afford to do that. what should they be doing? are there plans or programs or guidelines? >> well, look, first of all there is no quick get-rich-quick scheme that's going to work obviously. the process of saving money is something we don't like to do because we we

here with answers, rick sharga, with option as.com, and lance roberts, chief economist at sta wealth. rick, i will start with you. you are a housing expert. we got numbers today, how 6 how disappointing. housing starts down 16%. builder sentiment also bad here. is this a lull in a broader recovery for housing or what do you see in your crystal ball? >> i think the crystal ball has turned into a snow globe apparently for the near term. i think we are seeing a little bit of an adjustment in terms of builder sentiment in the terms of, housing starts, permits. i don't think this is all snow related. if it were all weather-related we would have seen much more dramatic esults happen in the northeast and places where the weather was the most severe. so i think what we're seeing is a recalibration and an adjustment to probably a little bit less optimistic numbers for 2014. gerri: lance, is this more than just a soft patch? what do you think? >> well, if you take a look at personal income data, i look at trends. one months of data, two months of data doesn't mean a lot and let's not forget we

lance armstrong and what he did to stay on top. this is really interesting. you should see this, it is a documentary pripet >>. >> best dressed previous julia roberts in valentinoed previous oscars hilary swank in guy laroche in 2005. cate blancette in givenchy in 2011 jennifer lawernce in dior in 2013. >> worst dressed oscars bjork in 2001. demi moore in 1989 bette midler in 1982. >> worst dressed oscars south park guys dressed like jlo in 2000 geena davis in 1992. welcome to the farm of jack. there's a curly fry tree. and a chopper out back. there's a barn full of buns. and a thing you gotta try. a critter that makes burgers with bacon inside. boooorrrk- it's beef and pork! get bacon in your burger. jack's new bacon insider has a juicy beef patty with bacon mixed right into it, plus bacon strips and bacon mayo on a new gourmet brioche bun. boooorrrk - it's beef and pork! get bacon in your burger. moooiiink. female announcer: female announcer: when you see this truck, it means another neighbor is going to sleep better tonight because they went to sleep train's ticket to tempur-pedic event. choose from a huge selection of tempur-pedic models, including the new