bill moller explains, next. we all know that healthcare in america is changing. one thing that the patient protection and affordable care act - obamacare - on thing that it has done is to create a new form of care, one that the wall street journal calls "the end of empathy," but businessweek calls, in fact, "the future of healthcare." "concierge care," is one way it's described. roberta greenspan is founder of specialdocs consultants, a healthcare consulting firm. why don't you just define that term for us, first of all? what is concierge care? > > "concierge care" is a much more personalized approach to medical care where the physician goes back to practicing the kind of medicine he always wanted to and has an interpersonal relationship with the patient that allows him to be accessible on a personal level 24/7. > what are the barriers now that prevent the marcus welby kind of model for healthcare from being delivered from the doctor to the patient? > > the barriers today are multiple: i think one of the primary barriers today is that the physician who has increa

we'll take a look - next, with bill moller. q x the new york times article began, "the antivirus industry has a dirty little secret: its products are often not very good at stopping viruses." there's a virus war going on out there. consumers and businesses spent more than $7 billion last year on antivirus software. the problem is, according to experts, these programs rarely, if ever, can keep ahead of the torrent of new viruses that are being designed. jerry irvine is cio of prescient solutions, an it outsourcing company, and he's a member of the national cyber security task force. this sounds very scary. what are these bad guys doing? > > it is very scary. the problem is, just as in medicine, you can't fix a virus unless you know what it is, and you can't fix a computer virus unless you know what it is- > so it's reactive instead of proactive. > > it is always reactive. > so how big is the problem? are the bad guys realizing that this is a window of opportunity, and they are front-loading viruses as quickly as they can before

that's next with bill moller. ♪ [ female announcer ] at yoplait, we want you to feel even better aboutour favorite flavors. so when you call, tweet, and post, we listen. that's why yoplait light and yoplait original are now made with no high fructose corn syrup. and why we use only natural colors and natural flavors in yoplait original. so, anything else we can do for you, let us know. but you'll keep it to yogurt, right? 'cause we shouldn't really help with your love life. yoplait. it is so good! 7,000 high-school students drop out every school day. let's catch them before it's too late. to start helping students in your community, visit boostup.org. while capitalistic excess & greed have sullied so many companies, there are a lot of examples of ethical capitalism where the principles enshrined in framed mission statements, instead of just collecting dust on the wall, are actually adhered to. these are companies that do good, make profits & serve employees, customers and their shareholders. "conscious capitalism" you might call it, which is also the name of a new book about liberating

that's next, with bill moller. ♪ ♪ ♪ ♪ ♪ corporate governance - that is, the system by which companiesned and directed. also, the relationship among boards, management and shareholders. and, in this new year of 2013, there's a lot going on in terms of corporate governance, regarding laws & trends. let's talk with becky yerak. she is a business reporter for the chicago tribune. one thing i thought that was really interesting is that now we have a comparison between what ceos make and the average employee, and that can be rather an eye-popping difference. > > exactly. if you thought that class warfare was bad during the election and during this tax battle, it could get even worse, because under a 2010 law, dodd-frank, public companies are supposed to disclose the relationship between what their ceo makes - that's already public information - but they are supposed to compare it and give a ratio with what their median employee, kind of the typical employee, makes. so this is something that people can compare from company to company just to see how much more - "wow, the ceo makes 300 times

what is so alluring about the most successful companies in our world today -- that's next with bill moller -- after this in the know message. 7,000 high-school students drop out every school day. let's catch them before it's too late. to start helping students in your community, visit boostup.org. what is it that makes the great tech and digital companies great? gary shapiro should be able to pin it down. he's head of the consumer electronics association which represents thousands of consumer electronics companies. that's also the outfit that runs the annual international consumer electronics show. he shares his insights in the new book, ninja innovation: the ten killer strategies of the world's most successful businesses. gary it's a short interview. killer strategies---let's get to the deadliest of these strategies. what would that be? first you have to be a ninja which means you're like that ancient japanese warrior accomplishing victory against all odds. you have to be flexible, fast, curious, think outside the box. knock down walls, go around them, go under them---but never say i hit

bill moller joins us for a preview of hot stocks, next. here's a question: how's your equity portfolio looking these days? a little anxious about making a move? well, we recently spoke to john blank, chief equity strategist at zacks investment research. he gave us a pretty good look ahead at 2013 and where the opportunities may lie. bulls or bears, who will be doing most of the running in 2013? > > in my camp, i am a bull, and i think we can get a 10% return out of next year. > very good. how about through the year? will it start out looking a little weak and we will find our stride in later quarters? > > that is mercury to me. i think you are probably likely to see a january effect and have pop, which is traditional. and i expect through april or may you might see the bulk of the run, and then it will taper off. > focus on some sectors. a lot of people are saying healthcare is going to continue to be robust. how do you see it? > > i am actually bullish on global sectors. i think we are going to see an asia-pacific-, china-driven market th

bill moller finds out what sectors are hiring after this "in the know" message. ♪ [ female announcer at yoplait, we want you to feel even better about your favorite flavors. so when you call, tweet, and post, we listen. that's why yoplait light and yoplait original are now made with no high fructose corn syrup. and why we use only natural colors and natural flavors in yoplait original. so, anything else we can do for you, let us know. but you'll keep it to yogurt, right? 'cause we shouldn't really help with your love life. yoplait. it is so good! economic indicators are indicating, yes, the economy is improving. but is this recovery real? what about all the important lagging indicators, like hiring & employment? let's talk with tom gimbel. he is the ceo of lasalle network, a staffing & recruiting agency. tom, the nature of your business puts you in a great position to observe various economic forces at work. give me the big picture. what is happening? > > i think the economy is doing better. i think what the problem is is the disconnect between washington d.c. and the politicians and

wonder if you are curious in first of all your your timing those events show talking about grata moller iran for example with charlie the one nine hundred fifty s. rather a long time ago and currently there are congressional oversight arrangements and i if if if you are running a project about the future of the cia i wonder if you have been in touch with those congressional committees and giving them evidence because it is their job to look at what the cia is going and see whether that's consistent and the directions of the u.s. government now have you been in touch with them well let's go to dr let's go to drone so ok what's the congressional oversight for drone well that you're jumping to a different issue but it was religion aiming to the same issue where is the oversight when you're making a general claim and let me remind you that the cia consists of lots of things go ahead it is not just drones it's not just what are amounted to nothing or pretty big deal aren't you want to jump in there. they're the cia the cia is in fact an arm of the executive branch of the government. and if t

bill moller joins us next, after this "in the know" message. last spring the chicago tribune broke an explosive story about toxic flame retards used in furniture & the deceptive campaign to create demand for these chemicals. the reporting brought on all kinds of federal and state scrutiny. now the industry has come forward with a scientific report which has already been cited in congressional hearings. in a follow-up investigation, the tribune has found this study too is highly flawed. reporter sam roe wrote the story for the paper. first sam, in a nutshell, what did the paper find as to these flame retardants? > > the flame retardants don't work as advertised. they're in furniture throughout america and virtually every home, which would be great if they slowed fires, but what we found is that the data doesn't support that. they are not really effective, yet they pose health risks: they get out, they migrate, they get into us, they get into our bodies, and- > and cause problems. not only did they not work, but they cause perhaps more harm than

that's next with bill moller. the 2013 north american international auto show is now underwar in detroit. of course they've got green machines aplenty, but in some cases, i think some luxury cars are turning more heads than hybrids this year. let's talk with james bell, he is the head of consumer affairs for the number one automaker in the country, general motors. more than 50 cars debuting. i know you want to talk about the gm name plates, but give us a general overview - what are the manufacturers putting into showrooms this year in general? > > i think this year's showing off an interesting trend, and that is a result of the downsizing that is going to have to happen from the impact of all the asian, european, and american governments asking for higher fuel efficiency and lower emissions. a great example of that is the honda urban suv concept. now this is a concept in the dairy loosest term of the word, because this is a car that you're going to see probably in the next year so. but what is exciting about it is

bill moller joins us with the answer after the break. with the congressional crisis forstalled with this week's fiscal cliff deal, are america's small business owners relieved? are they more optimistic? every month surepayroll canvasses its 10s of thousands of members and puts out the small business scorecard. michael alter is president and ceo of surepayroll. michael, these numbers that just came out are for december, pre-fiscal cliff deal. let me ask you, now that the deal has been made, at least for taxes, do you think small business owners are relieved and optimistic? > > i think they are absolutely relieved, because there is a lot more money in the pockets of consumers, or at least there will be going forward, than what would have happened in the fiscal cliff situation. so, i think they are relieved in the short-term that there is more money that will be spent on main street, and maybe we can see some more growth this year, and hopefully more growth than we have seen in 2012. > now with the sequestration, the debt limit ceiling that

that's next with bill moller. he has had some missteps, but you can't deny mark zuckerberg is a sharp business person. so's the woman who has written a fascinating book called "think like zuck: the five business secrets of facebook's improbably brilliant ceo mark zuckerberg." ekaterina walter is "social innovator" at intel. she writes for mashable, fast company and huffington post. how did this kid who was so brilliant in college learn to become a ceo and run this huge company? > > just swinging it, i guess. he was pretty young. so let's face it, he didn't have ceo experience. but i think he was sharp, in knowing where he wanted to go and learning along the way. and not only learning how to become a ceo, but acquiring partners like sheryl sandberg and others- > and he hung out with people who were successful and learned from them. > > steve jobs, bill gates. his friends, when he first said, "i want to go meet bill gates," said, "are you crazy?" he comes back a couple months later, said, "well, i met him." "who?" "

the lowdown on the high cost of credit cards is next with bill moller. it is the new year, when americans make resolutions to save money and cut expenses. here's something you can do - in fact, should do right now: dump that high-interest-rate, high-fee credit card you're using, and find something better. bill hardekopf runs lowcards.com and is a respected 3rd party source of credit card information. bill, just how many different cards are there out there? > > bill, there are over 1000 credit cards in the united states, so there are plenty to choose from, and it can be very overwhelming to consumers. > but it is worth the effort, because you could save, apparently, quite a lot of money. how much? > > you sure can. we've had people e-mail us or call us and say that when they changed from one credit card to another, they saved over $500 over the course of a year. so it is certainly worth your effort to pick a good credit card for your needs. > bill, what are the basics? when we are shopping for a new credit card, what is the process? > > the first thing is

and bill moller joins us for the cure for the common cliff hang-over. (woman) 3 days of walking to give a break cancer survivor a lifetime-- that's definitely a fair trade. it was such a beautiful experience. (jessica lee) ♪ and it's beautiful (woman) why walk 60 miles in the boldest breast cancer event in history? because your efforts help komen serve millions of women and men facing breast cancer every year. visit the3day.org to register or to request more information and receive a free 3-day bracelet today. it was 3 days of pure joy. ♪ and it's beautiful after a few hours of fiscal cliff free-fall, congress finally pulled the ripcord and the country has landed safely, right? not quite. even bigger negotiating challenges lie ahead. but what's this deal mean for the economy? let's talk with jeremy glaser. he is the markets editor for morningstar. no surprise, the investing community reacted with some measure of glee, at least in the short-term. > > there is definitely some relief that some deal got done, that we are not going to see the big tax hikes,

i'm bill moller in for angela miles this morning. here's a first look at the world of business and investing. with our tech-driven lifestyles, ces, the annual consumer electronics show, is getting as big as the oscars. it begins tomorrow in las vegas, and the biggest, best, newest and coolest stuff in electronics will be on display. google gets a break from the federal trade commission - but not so fast in europe. the european union is also investigating whether google hurt rivals by manipulating internet searches. the e.u. says its probe continues. if found guilty, the search giant could be fined billions of dollars. and it's an etf free-for-all. exchange traded funds are becoming the investor's choice over mutual funds. data for the first 11 months of last year show 10's of billions of dollars more were poured into the lower-fee funds. nearly $120 billion was taken out of stock funds, while etfs' total amount climbed to $154 billion. it was a banner week for the first week of the year. is dan haugh of pti securities cashing in and