matt mccall, you suggested the internal social media etf, socl is the ticker symbol, and they get a pieceof these social media companies. i'll come back, matt. this one's forraig. craig, we have had 31 internet ipos since the beginning of 2011, not the '90s that ned was tab, 2011. 22 of those are trading below their closing price on the day they went public. 16 are trading below the offer price. the offer price would be 38 in the case of facebook. tell me as a guy who's a venture capitalist, the odds are against these tech ipos? >> you know, it's unfair, i think, to lump facebook in with the rest of that group. i think it's its own, unique boost. there's no other company, really, in the world. forget about those other ipos since 2011, that touches a billion people. people on average spent seven hours a month on facebook. and they have billions of dollars in cash in the bank. and so it's not, it's not a typical ipo. certainly very, very different profile from the companies that you're talking about. >> all right. christine, i think it's fair to say, i've seen a lot of hype around there abo

. >> sean: the president of the pen financial group, business expert, matt mccall.dia personality, millionaire at 19, ceo of amaprojections and the best list of sports cars in the history of mankind. i was trying to get you to explain. that's a great story. why do you shy away from that. >> it's not the girliest thing. >> sean: why can't we celebrate -- here's somebody that had a very tough background, had to raise her younger brother and you worked hard in a construction business and became a millionaire at 19. that's awesome. >> construction and car, neither one of them show up very girlie. >> sean: sounds like the american dream -- >> in this day and age, it's something to be ashamed of, sean. >> worked hard and made wealth for yourself and try to hang on to it and make a better life for yourself -- >> i'm so sorry! >> sean: by the way, tell opie, he can donate as much as he wants to the american government. him and warren buffett. i am reading the economic news and the potential demise of the world, doom and gloom all over europe. senator coburn's saying the sam

last week matt mccall saying you may not get it for less than 90 or day one. ned and nadav say don't buy it if you're a retail investor on day one, craig says lower the first day. the two others say yes. good information, good discussion. you still have to make your own decision whether you put your money into the stock. guys, thanks very much. i appreciate it. >>> coming up later in the show mark zuckerberg courts wall street billions and does it in the hoodie. is it a sign of the times or immaturity? >>> up next four years since financial crisis, wall street betting bigger than ever. it seems the lessons were not learned. no one better qualified to answer that question than my next guest. sheila bair is credited with saving the banks during the financial crisis. you're watching "your $$$$$" on cnn. rewards you with savings just for getting a check-up, and it's only from aviva. last season was the gulf's best tourism season in years. in florida we had more suntans... in alabama we had more beautiful blooms... in mississippi we had more good times... in louisi

last week we had matt mccall saying you may not get it for less than 90 on day one. ned and nadav say don't buy don't buy it on day one. and ned thinks it's lower a year later from the first day, the two other guys say yes. you'll have to make your own decision as to whether you put your money in the stock. coming up later, mark zuckerberg courts wall street's billions and does it in that hoodie. is it a sign of the times or is this immaturity? >>> up next, it's been four years since the financial crisis, and already wall street is is betting bigger than ever. it seems that lessons were not learned. there's no one better qualified to answer that question than my next get. shelia bair is credited with saving the banks during the last financial crisis. she's up next. you're watchi ining your mun on. [ shapiro ] at legalzoom, you can take care of virtually all your important legal matters in just minutes. now it's quicker and easier for you to start your business... protect your family... and launch your dreams. at legalzoom.com, we put the law on your side. er is diffe

joining us now, matt mccall, president of penn financial group.hat do you meansome. >> well, you break down these numbers and, obviously, only 119,000 jobs created according to adp, going in the absolute wrong direction -- megyn: in the private sector. >> worst that we've seen in seven months. we've seen over the last couple of months weave dramatically turned in the wrong direction. we break down these numbers, we see construction lost 5,000 jobs, manufacturing lost 5,000 jobs. of those 119,000 created, 123,000 came from service which typically is not going to be leading -- megyn: wait, that's too many -- you say of the 119 created, 123,000 came from service, that's too many. >> oh, no, we lost some in other areas. construction and manufacturing go the opposite direction, knocking that number down. so, basically, all jobs created came from service industry which is not what we'd like to see to have a robust economy -- megyn: but do we trust this adp report? they say it differs from the official report we'll get from the government on friday, and