now what about how to market to millennials?t makes them tick when it comes to buying products or services? what makes them attracted to one brand over another? here now our five ways to affectively get yourself message to this generation courtesy of mashable.com. one, go mobile. 85% of people ages 15 to 35 own smartphones and are on them all day, every day. so make sure your mobile experience is act vised and includes a clear call to action. two, support immersion. millennials want to share experiences with others. ask consumers to add their own stories or pictures to your small business' larger story. three, be transparent. this generation loves companies like warby parker that presents a mission and sticks to it. interact with your audience through social media so they can see how their company and use of their product is making a positive impact. four find your target. millennials are more attached to experiences than products. promote the lifestyle your business supports on online channels to market to its audience. and fiv

and millennial women will be in this election. you even suggested, i think, that they could, in terms of voter participation, outnumber the boomers this time around in 2016. talk about the messaging. you mentioned education, but we have, as you know, on the democratic side, a boomer. how is she doing in messaging. and with all the races you are watching, what of the message is -- messages that a really resonating and that you might suggest the front-runner keep her eye on? ms. schriock: i think it is a really amazing point in history for the united states that we are going into an election where millennial women could be a larger voting block than baby boomer women. there are more millennial women than there are baby boomer women, the question is are they going to vote at the same number. i think that is part of our job, we are going to be doing work focusing specifically on millennial women and really finding ways to inspire their engagement in this election cycle over issues that matter to them. so some of what we have already s

so we have millennials on our ships around the world.the cruising industry does not live and die by getting millennials on their cruise? arnold: no, it does not live or die by it, but you want to build your base of followers for the future. betty: still to come, the one destination that every cruising company is crazy to court. how big is china going to be compared to north america? arnold: eventually, china is going to be the largest cruise market in the world. ♪ ♪ betty: the cruising industry has built its success in the west, but halfway around the world there is another market on the horizon that could change the game completely. richard: the demographic shift in china going into the growth of the middle class is one of the biggest single demographic explosions in history. you know, one of the big demographic shifts that we have gone through has been the baby boomer generation. it has been an enormous and that bubble has dictated a lot of american industry. what's happening in china today makes that look insignificant. betty: royal c

millennials do cruise because in our brand, families cruise.s on our ships, and those are often, you know, young people getting married and they have chosen a cruise as not only their honeymoon experience but their wedding experience and their wedding reception experience. so we have millennials on our ships, you know, around the world. betty: but the cruising industry does not live and die by getting millennials on their cruise? arnold: no, it does not live or die by it, but obviously you want to build your base of followers for the future. betty: still to come, the one destination that every cruising company is crazy to court. how big is china going to be compared to north america? arnold: eventually, china is going to be the largest cruise market in the world. ♪ ♪ ♪ betty: the cruising industry has built its success in the west, but halfway around the world there is another market on the horizon that could change the game completely. richard: the demographic shift in china going into the growth of the middle class is one of the biggest singl

i know there is a lot of millennials watching c-span. you're going to be on c-span, so then if people want to tweet, i'll have my phone also. >> i heard jon stewart is going to be on c-span now. [ laughter ] >> raise your hand and then we have a mic coming around. >> so can you hear me? i'm a researcher and what the model that i'm always asked about, you mentioned religious institution and government and health care, and everybody sort of thinks about engagement and then they say about what loyalty. can i make them a life-long x party person or brand person or contributing religious person. is that a model or a broken older model that you can be a life-long person. >> i can take that because i think about this a lot but i think it is true that once you become locked in a loyal brand person, you're locked in for good. there is plenty of examples of brands that have done this well with this demographic, whether it is whole foods, or others, i think that is actually why we've sunshine ma seen many, many more brands coming out during big eve

the millennials are not wealthy. they're like, oh, have some money.hey have debt from school still. so this is not the greatest news. it's better than letting them in be in the streets but i just think there are definitely some people who have undersaved. >> lisa, what do you think? >> well, you know, i am a millennial and i tend to condemn my generation because i do think that people are a little bit lazy and used to getting things for free and that's a problem. but i'm going to stand up for us in this segment and i say sthth is a positive thing. maybe there's some responsibility there we haven't seen before. i know personally if anything happened to my parents i'd work two, three, four jobs, whatever it took to be able to take care of them. >> john? >> i agree. this is what family is all about. one thing that's hurt because we've had interest rates so low by the fed for so long is senior savings rate has really hurt seniors, these low interest rates. they can't get yield. this is what family is all about. these seniors who have families who can help

i love talking about millennials. not only because i am one, but i think the market is jurndz estimating the power, the influence that they play. >> that's right. i think there's a couple of important points. first, from a demographic perspective, we think of this as an american phenomenon, but there's 2 billion millennials around the world. you look at brazil, china, india, secondly, it's the incredible spending power that they have. look at the u.s. alone, we're up to $1.3 trillion in consumer spending. they are the most important group in terms of workforce. by 2018, they're going to overtake the boomerses and by 2025, we're looking at over $8 trillion worth of annual net income. >> this is a big portion of global population and rising. but they also have a lot of disposable income and are they spending it? we look at japan's figures, people are saving money. but millennials, in general, are spending it? >> it's a group that age in rage from 18 to 34. we have to separate that demographic, a little skeptical of the

olivia: by millennials taking on more debt to lease luxury cars?t: they are compared to all buyers. 70% are leases by millennials. cars more than a pool of all buyers, but they only dropped 3000 on the down payments and $299 a month. it is difficult to find models for that, especially among jaguars. olivia: right because we are out of money still paying student debt. is it surprising? matt: not all. like a phone. you do not want to have your iphone 4 forever. the new phones are getting better and better and they see the same thing going on with cars. carmakersxury -- received has a cla that millennials love. they do not care about the engine. olivia: we will leave it there. matt will be back but that does it for me. matt: we will see what the other side of the break. ♪ matt: welcome back to "bloomberg market day." let's get straight to this morning's top headlines. a developing story right now in thailand. 15 people are dead after an explosion in bangkok's main shopping district. 80 are injured. has been the scene of political protests. in china, a

and you'll describe what every millennial thinks. there are millions of millennials.all might have certain things that are similar, but we're all -- i can't speak for every millennial. >> we use the term, we find it's used to stereotype the generation more than it is a word that anybody already knows what it means. anyway, i thought i had to ask. >> are we allowed to use it? >> we'll use it tonight. i think the best way to start the conversation would be to set up the problem. which i think is sort of on the one hand, you have a generation that is incredibly diverse. most educated in u.s. history. very politically active. very informed. came out for president obama in record numbers. on the other hand, you have a generation that has been described to me as one of the most stereotyped. and if you look in the media, it's everything -- i'm sure we could toss out a term here, but a term from lazy to narcissistic to self-obsessed -- do you have a favorite term? there's a real sort of fundamental misunderstanding, i think, as to who this generation is. particularly in polit

well, i think this gets back to the millennial. this is not a one-word answer, but i think we all have issues that are important to us, and important to our communities and important to where we live. not saying that there's one issue that is important, because every issue is connected. and figuring out how to have a bigger lens, thinking about solving each issue. and my last thing to copy your question to her is, i never really understand why older people are like, well, i don't understand millennials. you can ask people what they're interested in. you can ask them how they want to communicate and how they would want to partner with you. instead of categorizing one group of this elusive group, we all have the power to make relationships with people. >> i'm going to close just by doing a quick survey of the audience. on the question of what issue most young people are interested in in 2016, mic surveys our readers, and we recently did a survey, and i just want to get a quick show of hands, or somebody can shout it out, what do peop

life is tough for millennial generation.nt loan debt and lookingacklacking aub jobs but whose fault is it? hear who one obama official is blaming for making life too hard for young people. ogs... you are so out of here! ahh... the complete balanced nutrition of great tasting ensure. with nine grams of protein... and 26 vitamins and minerals. ensure. take life in. heart health's important... ...so you may... take an omega-3 supplement... ...but it's the ingredients inside that really matter for heart health. new bayer pro ultra omega-3 has two times the concentration of epa and dha as the leading omega-3 supplement. new bayer pro ultra omega-3. ♪ every auto insurance policy has a number. but not every insurance company understands the life behind it. those who have served our nation. have earned the very best service in return. ♪ usaa. we know what it means to serve. get an auto insurance quote and see why 92% of our members plan to stay for life. >>> life is tough for millennials today. too tough for a former obama administr

who do millennials trust?people their age. 65% are more likely to volunteer, for example, if a peer already does so. they're also much more impacted by online ads. get their news from news sources like twitter and youtube and check their smartphones some 42 times a day. no surprise that in a recent survey state side u.s. millennials were more influenced by famous youtubers over traditional mainstream celebrities. i don't know who any of these people are. >> come on. >> i don't know any of them. >> zoella. >> they're huge youtube stars and a big factor driving internet consumption is millennials and their desire to watch what they want when they want. that's speaks to why netflix and hbo go and hulu have done well. another reason youtube has done well is it allows you -- it gives you the ability to share that con tetent with your socia media community. >> what do they do? how do they shape our generation. we're millennials too. why don't we know about them? >> you're not cool enough guys. >> because we're 30 go

are millennial's getting a raw deal?r folks forgotten how hard it is to get started, and are they expecting too much? jillian is here, and joining me again is jessica. jillian, what do you think? more millennial's than any other age group expected to take the baton of america so entitled that they want to go on the 1st day of work. >> i think they have it incredibly tough. how can we sign up for debt like this? the truth is, a high school diploma is worth much less now than when the boomers were coming up. back then he made $0.77 on the dollar. now it is about $.62 on the dollar which means we can choose not to go to college and take a $17,500 pay cut or take on debt and live with their parents. charles: but this is -- millennial's pride themselves, you only live once, fear of missing out. my son is 18. the stuff that he dares ask for blows me away. there is a -- >> do you give it to him? charles: sometimes. >> to your point, i agree with what you are saying. there is a narrative that everyone needs a college education w

how has that affected millennials? >> guest: that's a really great question. one thing i did in researching this book as i interviewed close to 300 doctors and surgeons and i asked them how is this law going to impact young people and close to 90% of them said that it would raise the price of health care for young people and lower the quality of care for young people. so if you look at back, it shows the people who are providing the care can see what's on the horizon rather than the insurance providers in the drug lobbyists who got exactly what they wanted in the bill that they have a vested monetary interest in getting those things in the bill. so if you want to find the answer to complex solution it's a good idea to follow the money. so i follow the money and show young people who is benefiting the most and it's not going to be them through the affordable care act. let's go you take on really toes and in this book. who is billy toes and? >> guest: he was one of the biggest for big farmer, i huge lobbyists for big pharma. i included in the book that when hill

if it was millennials voting, trump versus clinton, who wins?you know, i don'timenow and that would be very interesting to see. i'd like to see a poll on that, i don't b, wieve i've seen anything. stuart: guess. >> maybe they'd go for ty dobat ls hst because of the sheer celebrity factor and they've seen him on c, wt brierest apprentice. Ãketuart: i thior r you're righ lisa, thank you very much. >> thaor r you, stuart, always great to be with you. stuart: you've got it. see you later. we have pro golfer phil michelson, more about his ties to a gambler investigated for insider trading. more in a moment. i earn unlimited 2% cash back on everything i buy for my studio. ♪ and that unlimited 2% cash back from spark means thousands of dollars each year going back into my business... that's huge for my bottom line. what's in your wallet? fresher dentures with polident. for the best first impression. love loud. live loud. polident. number 1 dentist recommended. ♪ fresher dentures with polident. for those breathless moments. hug loud. live loud. polident

millennials are cautious. charles: they know that government is stepping?e are government incentives to help build new housing in new hampshire for example, rental housing is huge. but the problem, people your age, my daughter's age, they have a amount of student debt, as a result of that debt they are waiting longer and longer to buy a home, and by the way, parents are moving back in with kids, your parents move in with kids. charles: a sandwich thing. >> students who can't afford, they are back with me, and parents like me, we need traditional homes and affordable housing opportunities, rental homes, market is -- i think you saw uptick today is cyclical depends on where you live. charles: we know, real estate is local but steve moore, to that point, we've seen amazing growth in rentals, every time housing data comes out permits for multifamily through the roof. but, from a an economic point of view, this millennial generation that prefers to rent, are hey boxing themselves in, the rent is through the roof, you may never be able to put the money together f

but can any of them win the millennial vote? and will millennials vote?ree millennials are here to tell you what their looking for in a presidential candidate. 24-year-old masters student at georgetown, 23-year-old law student at washington university and 27-year-old dental student. sol, are millennials going to vote and what do they want? >> i think they will vote. i think this time around social issues won't be the driving forts, though. the obama administration has solved all those issues for the most part. this time it will be economy, the jobs, national debt and student loans. if we have a strong candidate on those issues they can get them to the polls. >> does that mean republicans don't have to worry about social issues. many thought social issues was a prop for republicans in the moderate part of the country. >> they need to stay away from them. we've had the rulings on debate over the planned parenthood issue with abortion, but i think that those issues will not be the driving force this time around. i don't think that that's what's going to keep

millennials married with children.r not -- anyway they're saying that we're the tipping point and these why don't you thinksters, they're ready to probably tie the not and do the things that we've always done in america. white picture fence, bills, headaches, e-mails you don't want anybody to read. we'll be right back charles: you know, from day one it was a ride of passage americans go to high school, and then college, and then they get married. maybe the millennials are going to do that because there's evidence that they're ready to move out. good luck, guys, charles: well, it looks like more and more millennials are finally tying the not after years of shying away from starting a family. there are actually predictions out millennials are becoming young parents and having kids out of wedlock, katie is with us, back with and ms. america 2008. what do you make of this report, guys? it's kind of -- is it good or bad? >> it's really counterintuitive because for so long people said, oh, millennials they're postponing all

until the millennials deal with the issues, the debt that many faced. the housing market mr not go far. what we saw in the mid 2000s, we almost doubled the families under 25. think about that. i couldn't imagine, i was like 22, responsible enough to buy a house. so some of this delay has been the biggest declines in ownership those under 30, under 35. the smart thing to do is to go to grad school. get a ph.d. get the equity behind up. >> i didn't buy a home until i was 30. you put it in yourself. that's a smart thing to do. it's a minority. some of this, the postponement of having married, having first children. you often see the activities that my parents would have done in their 20s that my generation and others in the late 20s and 30s. it's a natural part of the progression. >> director of the coalition for non profit housing and mark. the director of collaboration studies. thank you for the institute. the changing face, one study projects the next 15 years, 77% of new home owners will be nonwhite. when we return, a closer look at the demographic shi

. >> we are the millennials. we rule. the millennials, they are like brain dead. ben: he's too old to be a millennial. you were watching it, weren't you. juliet: no, i didn't. ben: jeb bush was in the hamptons over the weekend. >> is he jeb bush or just jeb. >> jeb. >> all right. ben: it is the connecticut side of the family. he was in the hampton and collecting money and called donald trump a jerk. >> okay. in guy should be red bulled up. he should have iv like red bull running through the vains and arteries. he's not ready for prime time dealing with donald trump. wine -- weiner, that was so great. juliet: what'd trump say? >> you know what he's doing, he's got the cell phone and looking at the junk. he was going off on the guy. juliet: i didn't hear about that. >> what were you doing? >> >> going around town. here's the thing, trump is way ahead, 23%, this according to the latest polls. followed by carson 18%, cruz 8%, walker 8%. bush 6%. >> mr. nice guy and mr. in your face. people don't want politicians. statements that the guys memorize. ben: if held today w

millennials identify themselves as 33% liberal, 16% conservative.forward to now, 40% of millennials say they are liberal, 33% conservative. conservatives have moved up in the world since 2007. put a big smile on your chase because you have something to do with that. >> really working hard, and tearing that flag when it is not easy. there are a couple reasons and i think personally, but failed big government policies of the left contributed towards lower shrinking of that margin but also let's look at the effect of republican governors that the people's lives better. the biggest job creating states are republican governors putting forward pro-growth policies. the margin is shrinking and the youth vote in 2016 is up for grabs. in 2008 barack obama was able to get in the white house especially in 2012 for his reelection thanks to young people and republicans channel that energy and trends towards pro-growth free-market ideas. stuart: democrats will have forgiveness of debt as you can see, that is not a vote i don't know what is. i digress. one more for

joining me is the millennial round table.he "national review," campaign manager at the center for american progress. civil attorney, good to have you on the program. what is your take away in terms of the debate tonight. >> i have two favorite clips i like donald trump and scott walker. i love donald trump because he is not your stereotypical politician. he is abrasive and all about making america great and jobs and that is important and i like what scott walker has done. how he went after public unions and he was -- stood strong and went for what he said he would do and those politicians say i will deal with these great things and go do something else. maria: in terms of perception for lots of generations. >> i don't know who i like. i like scott walker, rand paul's policies that he is not a likable candidate liz i'm excited about what donald trump will say especially in a debate situation, he might be asked about his record a little more which the media is treating more as a celebrity candidate and bespectacled. they talk a

what do you think scares millennials the most about owning a home. for myself, it's not knowing where i'm going to be two years from now. >> i think there's three big things. they're focused on their income. do they have enough money to be able to afford that house? is it the right time to be buying a house? are they ready to start a family? is that the place they want to be long-term and they're trying to weigh the balance whether rents might be higher than it is to own right now but they can move around. do i know where i'm going to be for the next two or three years. that's the points weighing on their minds right now. >> are you arguing this is very much a millennials factor as opposed to simply market dynamics that people are scared about what's happening in the economy? that prices of properties are high despite the post financial crisis correction and people are slightly more apprehensive about buying a new home. >> anybody in the last ten years in the united states is apprehensive of buying a house. but they're one third of the population and

. >>> and come up, millennials making money. we'll discuss our interview with a ceo making millions by marketing to millennials. that interview, coming up next. ♪ no student's ever been the king of the campus on day one. but you're armed with a roomy new jansport backpack, a powerful new dell 2-in-1 laptop, and durable new stellar notebooks, so you're walking the halls with varsity level swagger. that's what we call that new gear feeling. you left this on the bus... get it at the place with the experts to get you the right gear. office depot officemax. gear up for school. gear up for great. >>> added $10 million in additional financing capacity thanks to its equivalent warehouse line of credit for community investment management. dealstruck says it's total lending power is around $100 million. joining us live from los angeles is ethan centuria, ceo of dealstruck. a very good morning to you. thanks for getting up early with us. let's outstanding quickly what you do. you make loans to small businesses, but you don't invest directl

for the moment, millennials.ite frankly, millennial stockbrokers are probably the worst stockbroker you can get. i tell people all the time, do not give your money to a millennial because they don't have -- first of all, a lot of them don't read about financial history, they don't understand when the market goes up and down. some of them were born when long-term capital was going under. you need to give your money to someone, don't trust anybody with your money under 38. no. that's good, really good advice, they're not schooled in the issues. they don't read enough about financial history. so i would just make sure, if you're going to give your money to a millennial, you might as well -- dagen: take them out to dinner. >> go in the backyard and throw gasoline on it and burn it, you're going to lose all your money. dagen: you said people your age are saving for houses. >> right. dagen: that's surprising, is it not? a lot of the parents got burned in the housing market but willing to make that bet but not put it in

alix: what kind of pocket books he millennials come with whether graduate?right now, they are still pretty young and they have been set that by the recession. the question is at one point in the traditionally moving to the suburbs? alix: what kind of boom will they see at some point? connor: we can believe over the next 10-15 years, we will see a aroundsecular tailwind singular secular family housing. there's something surprising here which is that the acceleration and household formations is happening at the older end of the demographics. what does this tell you? connor: everyone talks about millennials forming households but really the growth is from other out. . 64 year olds are turning 65 and moving into an age bucket that has been historically quite small. joe: we have talked about the demographics but you are managing a portfolio. what do you make of what has been going on? has anything changed from your perspective? connor alone the real stumbling block for us is in oil. has been asissue oil falls, people that on lower interest rates and anything that

] oh, millennial owl? >> what -- what's that? what's going on? what's up, man? >> seth: hey, yeah. i was just hoping to talk to you, because, well, you know, i'm -- being honest, i'm having some problems in my life. >> yeah, first things first, it's not your fault. okay? [ laughter ] it's your parents' fault. they just don't get you at all. >> seth: no, i mean, i haven't even told you my problems yet. >> yeah, okay, but it's probably your parents' fault. [ light laughter ] so, what's up? >> seth: well, you know, i'm happily married and, you know, everything's going really great, career-wise. i guess i'm just wondering, you know, what else is there? you know? >> hmm. >> seth: and that darkness, you know, what should i do, millennial owl? >> hmm. you should buy a food truck. [ laughter ] >> seth: a food truck? >> yes, move to austin, buy a food truck. [ cheers ] yes. they're awesome. you can sell, like, breakfast tacos and waffle tacos. oh, you could buy scoby and make home brewed kombucha batches and sell t

this is what the millennials are looking for. >> they seem to be very socially engaged.nt companies contributing and giving back to the community. healthy epipos. fitbit came public and has done very well. another one floating out there, jawbone may be coming. >> wristband technology, jawbone is a piece of that business. you connect and it tells you how many steps you've run during that workout. it has a social connection and uchlsed ve used very much by millennials. >> soulcycle is now coming probably in the next two weeks. >> soulcycle is huge. millennials are paying $1 a minute to be riding that bike and their social connection is very big. i think soulcycle has maybe 60,000 followers on facebook. >> does jessica alba's honest company have a chance here? that's going to compete in the natural consumer product space. >> we call it the millennial mom is very important to the honest company. nontoxic baby products and cleaning products. so tho this point, they make al of their sales digitally. they don't have brick and mortar. it is interesting to see how this company ha

they said that 56% was only at the 28% millennials under 30 who have debt. so it's only looking at the 28%. here's what they're forgoing, buying a home, car, getting married, starting a family. there's one more category, interestingly enough, that's saving. in fact, boomers are the ones that have been delayed in saving by student loans much more so. >> you forgot there was a little footnote who said they were too stupid to read the fine print. that you have to -- >> nowhere in that study did it say you were too stupid -- >> i spoke to the guy who did the study. he said there's a little line on the bottom that says millennials were too dumb -- >> that was not in that study. >> no, that they had to pay back all those loans after getting -- that was in the study. after getting -- >> you're making a general comment here. okay. >> emerson college, the fine arts degree that they have to pay back $50,000. >> all right. so by that measure if you take out a loan that you don't have to pay it back, that doesn't say a lot about your generation. >> this is super relevan

. >> number two millennials, young people are a big part of this organization and an important part of the electorate today. any word you'd like to say specifically about the role that they will play in your campaign and your administration or in the future of the nation? >> well mark just the other day on wednesday night some of you may know we did something that was unprecedented and we had 3700 organizing meetings in every state in this country bringing out more than 100,000 people and you know what? most of them were young people and i believe very strongly not only in terms of my campaign but in the future of this country that we have got to mobilize the idealism and the energy of young people and my campaign will do everything we can to make that happen. >> and an important part for the african-american community of the racial wealth gap. the income inequality gap has to do with the fact that our small entrepreneur african-american owned businesses are facing frozen credit markets and difficulty to grow. talk about that in terms of how it fits into your thinking. >> thank you for

millennials have 30 years until retirement if not more. about three or four market cycles you see over that time. >> you'll see this again. 20 or 30 years to retirement, this is just the beginning. >> something like the last few weeks. you'll see probably many times over. like we talked about earlier, this is something that is pretty normal. we had four amazing years back-to-back. out of seven pretty good years overall. if this didn't happen, we'd both be out of a job. but we could also be in some type of utopia. which would be great, but not our reality. so this is very normal. we think about long-term assets like 401(k)s and retirement money, we can withstand this kind of volatility. if it's shorter term, you need to plan about that. it might not be wise in risky assets. >> can we find a silver lining in all of that? is there anything we can do about it? >> absolutely. the roth conversion. if you're thinking about it, it's a great time to do it when asset values are down. and then you can convert it, watch those assets grow tax free. not

that's the clearest to me. >> jesse one of growing number of millennials, rejecting the option to buyt of my friends do lease their car. >> new allison by edmonds. com shows millennials now leasing vehicles at higher rate than the rest of the car buying population. >> lease something real hands off approach to car ownership. you own it for few years, you return it, you upgrade to the latest and greatest. >> edmonds. com owner of industry analysis jessica caldwell, says evolving technology in vehicles like gps systems one of the biggest factors driving millennials to lease. >> i think you can really akin it to cell phone purchase. you have it for a few years, then upgrade to something that's more to up date in terms of technology. >> the analysis found finances are a major factor, lower lease prices allow many income restricted millennials the chance to drive luxury vehicles. they may otherwise not be able to afford to buy. chris martinez, cbs news, los angeles. >>> till to come this morning on "eyewitness news", it has been one year since the fatal shooting of unarmed teen michael bro

oxymoron, millennials are used to working?i think they lot of millennials are used to working on their own terms but they are productive they are getting things done. >> this is not a social agenda item this is because this company wants to hire, and keep employees, they are in a city los gatos, where unemployment is less than 3% compared to 6% in california, they are struggling against all other tech companies for talented people, i think that is a very smart, one time thing, by the way microsoft today sort of fell in line increasing their parental live, they are starting a trend, but this company can afford it, it is not being dictated by washington. to companies that cannot afford it. so, you know it is constructive capitalism. charles: it is. and again with individual companies, i am surprised -- you know, i don't know if you heard hillary clinton talk about this or barack obama or liz warren, flexibility to work-life balance stuff that sounds like nonsense, you know what that is, paying my bills, having enough money to ge

the problem with millennial spec comes to retirement savings their overly conservative.y favor cash more than any other -- >> by the way, somebody recently pointed out the millennial generation hasn't yet reached peak spending and in many cases they been more conservative. >> colonials like to spend on food and simple luxuries but be conservative. including living with their parents. the real question is since 2000 we haven't seen any wage growth plane into one of years the more been saved. the same asset prices inflate but we haven't seen wage growth. >> is the missing ingredient in why we have this perpetually slow growth economy. we can't kick this into a higher gear until the consumer spends. the consumers are spending more because they don't have it to spend or save either. sandra: we don't have the extra few bucks you spend your affair. 19% of working americans are saving more for retirement now than they were a year ago. that's the number we need to focus on. >> that's been steadily trending higher. positive development. with the wage growth that goes even higher.

most millennials, folks born between 1980 and 1999 they were in school.t as she's introducing herself, this trustworthiness thing is going to be a big issue because so many millennials are optimistic and scenical at the same time. >> yeah. >> they don't feel like they can trust political leaders, so to the extent they see somebody as maybe being shifty or maybe can't trust them that's a big knock against them and will be a big hurdle hillary clinton will have to ov in the next hour. >>> a southern state segregating vulnerable students and why the president is putting children's books in barbershops and why they and we as a nation are still fighting for the ballot. more at the top of the hour. ooh i think i saw dessert! but you just had a big lunch! wasn't that big steve... hey! come back here, steven stay strong! what's that? you want me to eat you? honey, he didn't say that! he did, very quietly... you can't hear from back there! don't fight your instincts. with each 150 calories or less try our chocolatey brownies, tangy lemon bars and new creamy cheese

how many of you are millennials? fewer, but still. the millennials are not here in the auditorium. they're watching this online. but for the millennials, we old folks called warriors. we were not happy warriors in the reagan area. we changed the world. we had a leader who showed us how to do it and we all did it. and for the young millennials watch online, this is your 1980 momentment the world is hungry for leadership. we have lost our way. we think of moral equivalent seu of this system, that system. we're not. take a page out of reagan. when you listen to the reagan westminster speech, understand our system indeed is the greatest system in the world. why? because it unleashes human nature to do what human nature does best. to succeed, to strive, to thrive. so i am so excited to be here to talk to you about my era, my cold war era as particularly exciting to do it. we're at one of those moments ago. i encourage all the cold warriors, talk to your grandchildren. tell them how you did it. and expect them to do it again. thank you. [ applause ]. >> that was a great panel. we have ha

how do millennials look at that exchange?her example of trump's boldness, his brashness and his ability to just radiate confidence. he doesn't have is an issue with -- telling a reporter who he may not agree with or who was asking him or trying to make an activist remark during a press conference to get out. and he hasn't had a problem going after other candidates, criticizing political establishment candidates and i think that that's something that is resonating not just with americans but millennials in general. >> ten seconds it were a vote today would you vote for trump? >> i am not endorsing any candidate at this moment trying to remain open-minded. [laughter] >> okay. thanks very much for being with us you can come again any time. >> pleasure. >> sure. i want to get to obamacare, we warned you about this. the real reason xeangs are cutting health insurance for their workers more than one out of four companies have employee insurance plans that will get hit and hit hard by new taxes under obamacare. i spoke about this ju