Probusiness than the u. S. French president Francois Hollande is calling for businessfriendly responsibility pact, new york city mayor bill deblah yo declaring a war on money. Is this is bad omen for 2014 . Here is jerry dent and fox news contributor, steve moore. I. Steve, i have to start with you, it is officially over. Hell has frozen over. There is storm outside so that makes perfect sense. France call for responsibility pact. This is novel idea they will give you tax breaks if you hire people and they will decrease government regulation and this will help businesses grow. Are have you ever heard such a crazy thing . I think even crazier, melissa, what is being proposed in new york. New york city, manhattan has always been the Financial Capital of the world and aspires to continue to be so. That is where all the money is that fund all service, schools, prekindergarten, all the Government Services are really the backbone of the city is capital and Financial Services and this new mayor, deblasio coming in, basically saying sock it to the rich, sock it to wall street. I wouldnt be surprised if wall street leaves new york melissa harry, we talk about this, even though we have a National Audience here we realize not everyone is in new york but this is happening in new york because the president has set the tone and, you know, started this socialist wave. And now it has taken over in new york. Ive bottom news for everyone who is out there watching from a different city, it is coming to a tax bracket near you. I mean it is on its way. What do you think . Is it good for the economy . Good for the u. S. . Bad . It is just inevitable. Were in a time of extreme income inequality much like the late, roaring 20s. Weve been in a bubble economy and greatly benefited the top 1 and for good reason. Theyre the entrepreneurs and people who innovated so much. This has gotten so extreme, that taxes are going to go up and there are going to be more policies in this direction, the same thing happened in the 1930s. I see a whole, kind of bubble deleveraging. I see rich people getting hit worse in the next several years just like Homer Simpson got hit after 2000 when demographic trends peaked. Melissa what is extension of that, steve . If you follow harrys reasoning, there is huge income inequality, it is not fair, well hit the rich with taxes, what happens . Do lower income people, who are hurting do they see that money taken from the wealthy people . Because weve seen this movie before. And shoe sure has. Melissa i dont think it has an ending that the democrats think it does. We saw the opposite model in the 1980s and 1990s where tax ritz were kept very low. We had rates that fell down as low as 28 to 35 from high of 70 . We create ad rising tide that lifts all boats. We created upwardly economically mobile society. People started out poor, tended to move to the middle class. People in up in middle class moved to upper middle class. Americans are feeling, that the income is stuck. Almost like the income elevator is not working real well. Melissa why . It started with this recession and started because of policies oriented to try to spread the wealth rather than create more wealth. The answer to your question, if harry is right and we move in that direction of soak the rich, i think that will capsize this economy. Im an optimist. I things look good for 2014, unless we fall into that trap. Melissa but, steve, the problem with what you just said, whether or not we agree with it, the liberals look at that, trickle down theory hasnt worked because we are where we are . It did in the 80s and 90s. That is my whole point. We cut tax rates. We got more revenues in and people in the lower classes and middle classes moved up. That isnt happening now as we moved into the opposite direction. Melissa because of policies . Because of liberal policies, because do you agree with that, harry . You know, we look at the economy in four seasons. You get a bubble boom in early 1900 and roaring 20s. Weve got that now and there is time when innovation flourishes. Everybody gets all the computers and gets all the things and power of this top 1 declines. It is not just rising tax policies which are inevitable when 1 dominate 50 of the wealth but also the fact that we have major financial asset bubbles. Guess who owns all the Financial Assets . Top 1 , 10 , own almost all of them. When the bubbles rich the rich paradoxically get hit harder than Homer Simpson. Agree with steve it will not be good for economy to soak the rich. They have outsized impact on the economy and they control 20 of the spending and 50 of the wealth. So it is going to hurt. Melissa yeah, absolutely. Melissa, i hate this argument though that rising stock market only benefits rich people. It is true the rich have more money in the stock market than middle income people do. All of us, everybody watthing show has money in the stock market through 401 k plans, retirement plann. It is hugely, hugely tilted so tilted unbelievable. Melissa have to spend the money elsewhere and do it again. Well see you soon. See you soon. Melissa brace yourselves, midwest, northeast, winter storm hercules is on the horizon. 100 million americans are under some kind of a storm warning as of today. Fox newss molly line braving the storm in boston. She has all the details what to expect. Dont blow away there. You will be a snowman soon. I now. The wind are expected to pick up a lot today. Blizzard conditions are possible. Means 35 mileanhour winds. This is the evening commute here. Folks trying to get out of boston. First day back to work after the holiday. A lot of people braved the Early Morning snow. Now theyre being hit with the evening commute. It is rough out there. The governor saying today, that temperatures are expected to drop, plummeting very severely into the teens and single digits. When you talk about windchill it, could get down to negative 25. Over at Logan Airport 8 30 this evening the majority of airlines will shut down all of their flights. Picking things up tomorrow to get people back up in the air and off to their destinations to get home by noon. There are coastal flooding situations across massachusetts. Coastal flooding is one of the Major Concerns in sit you it. Some water coming up on coastal highways. Some roads were shut down during ohio tide. Reopened. And high tides hit at midnight and noon tomorrow. Authorities keeping close eye on folk in those areas and possible evacuations. Melissa molly. Thank you very much. Another year, another hack attack. Millions of us were targeted by cyber spice on skype. If that s not bad enough, your kids may have been targeted on snapchat. Is there any place safe online . Stay with us. A hollywood movie. The latest on a fugitive anker that embezzled millions and faked his own death. What a good idea. You have to hear this one. At the end of the day it is all about money. [ telephone rings ] [ shirley ] edward jones. [ male annncer ] with nearly 7 million investors. Oh hey, neill, how are you . [ male announcer. Youd expect us to have a highly skilled call center. Kevin, neill holleys on line one. Ok, great. [ male announcer ] and we do. Its how edward nes makes sense of investing. Melissa oh snap. The hack attack is on as more than four million snap shatter users snapchat users leaked online. That is not all. Skype was hit by hackers. Internet calling service experiencing a data breach on the official blog and twitter account. These attacks are not slowing down. Seems like youre not safe anywhere on the web, oh, no. We have social media maven, peter shenkman and cybersecurity expert morgan wright. Morgan, as i read this, so your name and phone number is on the internet. How dangerous is that . What thats the big deal . The only thing disappearing than pictures on snapchat could be their valuation. Its a big deal. That is a stair step. People are a creatures of habit. Same name and password on snapchat could be used for Banking Health care and a lot of other things. This is something very important. Melissa their password was leaked as well . I thought it was name and phone number . What we know now. This is first breach, one of many. According to the firm gibson security would only take 10 lines of code. I was reading it before i came on, that still hasnt been fixed according to them. Melissa peter, morgan makes a great point. What does it really mean for snapchat and their Business Model . They turned down bids for 3 billion, 4 billion, depending who you believe from facebook and google . I dont necessarily think the bid were real. I think they were designed to drive up its valuation which it did. They got what, 10 billion in new valuation. Melissa Mark Zuckerberg bought instagram in the middle oo night without telling anyone. Instagram is far from snapchat. Melissa okay. The issue were becoming more use this. Because we never seen data breach where you were affected personally or i was affected personally, did we shop at target . Were thinking, credit card says only responsible to 50. It hasnt hit main consciousness yet, hey a hack could impact us. Could lose your Credit Rating and screws up just like that. Once that happens, only a matter of time, then it will be taken more seriously. Melissa only matter of time . That is the thing i say when we do the stories. You hear about the cyberattack. They attack the banks but dont lose any money. They steal your name and phone number but dont find out about it. People seem like they dont feel direct impact. How dangerous is it . Death of a thousand cuts, but pay for later. Milton friedman said there is no thing like a green lunch. The consumer ultimately pace. Whether liability is only 50. Classaction lawsuit with target is billions of dollars most likely. Who do you think will pay for that . There is real impact. It doesnt hit you like a ton of bricks over time they dont feel it but eventually you feel in the pocketbook. Melissa peter, when i herd the idea behind snapchat you take a picture and show it to someone. Deletes itself, quote, unquote. Melissa explicit photo you dont want out there forever it is going to disappear. I immediately laughed hysterically when i heard it came out, nothing you do ever disappears. I have friends that use it. Totally safe. Melissa why would you think it is totally safe . People are cheap. Heres the interesting thing. Were in the last generation now of kids who have any concept that there is any privacy left. The next generation of kids are going to know that there is no privacy. Im worryied, my eightmonthold daughter knows there will be absolutely no privacy and smarter for it. The stuff i did in the 80s in high school, if there were cameras i would be in jail. Not only smarter what they post but wont use password as their password. Melissa right. They will use perhaps that mix everything up and match it up. Melissa real quick before we run at of time, morgan, do you agree with that, there just will be no privacy and thats it, there is nothing we can do about it . Internet has return address. People need to get used to it. Thank god there is statute of limitations. I graduated to the 70s. I hate to see what they could have done. No privacy, yeah. If youre stupid enough to put something out there to get you in trouble you deserve to get in trouble. Melissa what does it mean for these companies . Anything hurt snapchats real value when built and predicated the lack of value is not severe. This 15yearolds using it. Eventually they will stop using it. Snapchat is not instagram. That is important. Melissa thanks so much. No privacy i got it. One interesting way to start the new year, come back from the dead police down in georgia were pretty surprised when they pulled over aubry price. The former banker was wanted for a multimilliondollar wire fraud case. He was declared legally dead back in 2012 after an alleged suicide. Price may be back but headed straight behind bars. Fox newss Jonathan Serrie with all the latest developments. John that is everyone pretty shocked about this one . They are indeed. Although not the fbi. Even when he was declared legally dead by a judge down in florida, fbi agents were skeptical and continued the manhunt but when he made his first appearance in court today this former Bank Director was flanked by u. S. Marshals and wearing shackles around his ankles. 47yearold aubryylee price faces a federal charge of bank fraud which carries a maximum sentence of 30 years in prison and fine up to one million dollars. While serving as a director at Montgomery Bank and trust in georgia, price allegedly created false Financial Reports to cover up 20 million loss of investor money. His acquaintances received a letter apparently from the banker and confessed to financial wrongdoing and threatened to commit suicide by jumping off a boat in florida. That same month, there were pictures that seemed he was boarding a ferry bound for fort myers. No one was seen overboard or body found, a florida judge declared price legally dead. Fbi was not convinced continuing search for the banking executive. Ultimately a routine traffic stop on new years eve led to his arrest. Sheriffs deputies near the georgia coast pulled over a pickup truck for illegal window tinting. The man inside was not able to provide sufficient i. D. Where a very different looking aubry price revealed his true identity. Investigators say price told them over the past 11 months he essentially has been living as a homeless man working odd jobs as a migrant worker. If you believe that story, melissa. It is amazing, you said it your seven when you showed two pictures backtoback what he looked like before. Basically unrecognizable. What is next for him . There they are. I mean, thats shocking. It lies i can day and night. Tough look at his ears to tell it is the same guy but totally different hair. One looks like a very stately banker and the other, has maybe a little bit of a hint of a wild streak in him. Looking at him off the bat i wouldnt recognize him but he is scheduled for a bond hearing on monday. But prosecutors have already indicated that theyre going to oppose bond because they believe this man, whichever one, the left or the right, is a flight risk. Melissa yeah, right. Ones a nerd. Other would make me lock my door when he is walking by. Yeah, right. Up next. Thanks so much. Did your grandma poke you on facebook . Older users flocking to the site while teens cant flee fast enough. What does this mean moneywise for the future of social media giant . You have to hear about japans latest efforts to clean up its radioactive mess. Some of the most Vulnerable People are being sent to the disaster zone. It is causing outrage worldwide. Stay where you are. Do you ever have too much money . So i can reach ally bank 24 7, but there are no branches . 24 7. Im sorry, im just really reluctant to try new things. Really . Whats wrong with trying new things . Look mommys new vacuum cat screech you feel that in your muscles . I do. Drink water. Its a long story. Well, not having branches lets us give you great rates and service. Id like that. A new way toank. A better way to save. Ally bank. Your money needs an ally. Over the pizza place Chestnut Street the modest first floor bedroom in tallinn, estonia and the southbound bus barreli down i95. This magic moment it is the story of where every great idea begins. And of those who believed they had thpower to do more. Dell is honored to be part some of the world great stories. That began much the same way ours did in a little dorm room 2713. This magic moment checking your fantasy leue . Nah, just my 401 k statement. [laughs] i cant seem to save anything. I got a pizza for a todd . Hey, can somebody spot me . Announcer when it comes to financial stability, dont get left behind. Get tools and tips for saving at feedthepig. Org. Smoke . Nah, im good. [ male announr ] celebrate every win with nicoderm cq, the unique patch with time release smartcontrolechnology that helps prevent the urge to smoke all day long. Help prevent your cravings with nicoderm. Melissa facebooks business is booming with baby boomers that is. According to a new survey the social media giant is seeing influx of older users but the growth is slowing among the key demo which is young adults. If facebook loses the cool factor will the money follow . Boston College Student and resident young person who you will remember from our too cool for School Investment club and Small Business expert susan suluvik. One of the things that jumped out, 45 of the u. S. Seniors who use internet are on facebook. Is your grandma on facebook . My grand ma is on facebook. Melissa serriely . It is questionable. It is a little weird. Melissa you agree. I agree. I dont think facebook is ending as Default Network as everybody on facebook but it has evolved clearly. Started out as a College Campus social network. Just, it is really gravitated towards adults. Susan what do you think it means for their business . A lot of those ads, use among teens is totally stagnant. Use, percentage of those between 18 and 29, that actually fell 2 Percentage Points versus last year. Like she says, maybe because everybody is already on it . Well, you know, certainly it has a significant proportion of the population. Everybody is on facebook. Look what major brands do now . Theyre using facebook and integrating it in all their marketing campaigns. Small businesses use it to spread the word and connect to engage with the customers. So it has a very important use. Melissa, i had an internet business. I can tell you from the Business Model perspective it is about traffic and eyeballs. So you have to reach that Critical Mass. So for facebook, losing the teenagers, theyre not boeing to go away completely because it has become so integrated in all of marketing and in our whole lives right now but they need the Critical Mass in order to make money. Melissa they need the right people. They always say in advertising the old adage, they focus on the 18 to 24yearold and you say, why . Those people dont have money. You know why would you not focus on older people with money to spend . The answer is always, that is when brands are making impression. That is when youre deciding, basically the rest of your life you will be folgers. That you will use colgate. Whatever it is of the those are people you want. If those people are moving away, and are staying on facebook but not spending as much time there . Theyre not doing same thing the business inherently is less valuable. Susan . I mean that is arguable, melissa, lets face it, every generation of kids has their cool thing. Melissa right. These other sites at that are attracting these teens, and these 18 to 29yearolds do not have the functionality that facebook does. They do not have the breadth and depth facebook does. While they may try out the other sites theyre not going away forever. As i said before the major brands and everybody is on facebook. Melissa sure. Do you spend less time there . How has it changed for you . For me, it is a once a week thing. I think part of what caused kids to move away from facebook, mobile wise, there is lot going on in facebook, where you chat oneonone with friends. There is your wall or status update and doing what is on twitter. Can up load pictures. This makes for heavy app, it is a cluttered app. You find people, kids in my generation move away from that, they have different apps for each different thing. Which is big. Facebook acquired instagram which was a huge deal. I use instagram for pictures. Text my friend all group me. Use group me which is another app and message my friends through that where we used to have thread or talk on facebook. It is not what kids are doing. Melissa it doesnt work anymore . No, it doesnt. Facebook realizes that. Theyre acquiring Companies Like instagram. They tried to acquire snapchat. Facebook recognizes that. That said they need to focus on the app which i know theyre doing. Melissa i think that is really true. Susan, i wonder if that happens for older people as well. I have a Facebook Page but i love twitter. Anybody follows the show, follows me i love to tweet. I love to see what other people are saying. Just as keeley said, facebook is time sync. There is so much going on. There is too much to deal with. I will tweet and see what other people are saying and text my friends. Final word. That true, melissa, thats a good point. There are different sides to serve different purposes. Facebook as the mainstream and it is not going away. Melissa good point. Thanks to both of you. Outrage in japan, the Company Country is using Homeless People to clean up radioactive waste . Is this ethical . Who made money today. Chinas middle class is crazy about gambling. Making allamerican ceo a very rich man. Dont go away. Piles of money coming right up. She keeps you on your toes. 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We doth offer so many discounts, we have some to spare. Oh, you have any of those homeowners discounts . Here wgo. Thank you. He took my shield, my lady. These are troubling times in the kingdom. More discounts than knoweth what to do with. Now thats progressive. Theres nothing like being your own boss and my customers are really liking yo flat rate shipping. Fedex one rate. Really makes my life easier. Maybe a promotion is in order. Good news. I got a new title. And a raise . Management couldnt make that happen. [ male announcer ] introducing fedex one rate. Simple, flat rate shipping with the reliability of fedex. Melissa so do you think minimum wage works . Over in japan Homeless People of being recruited and paid less than minimum wage to clean up radioactive fallout waste from the Fukushima Nuclear site. A far cry from flipping burgers. Back in the u. S. At the other end of the spectrum a federal judge has struck down that law that would mandate drug testing for welfare applicants. We are running the full gambit of employment ethics in todays money talker. What did you think when you first heard this story . I would say i kind of flinched. Well, they are paying them. Theyre sending them out to clean up radioactive waste. Do you think that they have the definitely initial shock. Homeless people out doing their radioactive waste. It is definitely shocking on face value, but underneath that there really is these other fifth theyre not working and all. Theres nothing more demoralizing. Agree or disagree. But i think there is nothing that is worse in terms of making you feel worthless than being on the dole. However you can get out of it i think is a good thing. Melissa oh my gosh. I am wondering whether there might be some alternative to cleaning up radioactive activity like, for example, working in the Energy Industry which they need desperately in japan because the import all their energy. Melissa one of the biggest problem is the person who recruits them is being paid under dollars per head to get people into the program. Maybe you was homeless. Maybe thats his job. My question, are these japanese homeless the same as american thomas faugh are they doing any better . Melissa most desperate for money and willing to do anything that they go into a deadly waste zone . You can also argue that youre looking in a group of people that need money more than any other and are providing the work. Every time i see almost person in new york who is not obviously crazy avocet, not going to give you a penny. I donate to my church. If youre desperate you can go there, but move to north dakota. Of find your job in the fracking industry. Zero unemployment. Wire you here in manhattan . In some cases theyre mentally ill, but the new york, us, i once gave money in they said, this is all you got . Like it wanted a 20 bill. Melissa that brings up an interesting point. It is the flip side of the equation. A law was struck down the would force people who are accepting welfare to take a drug testing a urine test to bear on drugs and of. People arent raids. This is illegal search and seizure. You know, there is no proof that these folks are using more drugs than anyone else. Why cant they just make it an acrosstheboard policy . If we are giving in thailand money to a certain population, we want to make sure that they are not drug abusers. But it is not fair. That was gods argument. The elected governor on the basis of this saying that it is ridiculous to spend money of people will burn it up in drugs. This is a bandaid of a much bigger issue. The idea behind it is noble, but the fact that ultimately only 2 percent of those who are drug tested actually failed the drug screen. It will cost the state more money. What do you do after you do find that their drug addicts. It seems pretty clear. Its a producer for financial and incentive. Or to get a job if you want to keep using drugs. That is the flip side. Your drug habit. You need to go work in mcdonalds. States are the petrie dishes of the country. That is where the experiment. I wish the judge would back off. You do need treatment. The confine people who need help. Melissa definitely the two ends of the spectrum. I like to analyze some. Melissa overpromise and under the liver. One carrier might be coming out on top. It is a little bit of a death spiral right now, but it had the jump in package volume for the holidays delivering more than 75,000 packages on christmas day. Other peoples problems may be just what my beloved post office needs to give it a boost patrick, how. He was quite quite a season for all of you guys. I want to talk about the overall scene. There was a huge influx of packages that needed to be delivered at the last second and a lot of those tips of all of this had to do with anyone online, december 203rd at 11 00 p. M. And they say we guarantee your package would get there by christmas. Do a lot of carriers make promises they cannot keep . And not so sure that people made promises that they could not keep. What happened this year, melissa, was a convergence of a number of different things. First of all, there was one week class, everyone in their minds of they had an extra week, i have to do my Christmas Shopping and they hit the online site. Delivery has been very good at that less lead that they could go online and force a lot of packages into the system here, probably more than ever like in handle. Melissa if you lack of what other people did, ubs added 55,000 temporary employees. A chartered 53 extra planes to fly packages around. They were still totally overwhelmed. 15 percent of Online Shoppers to order their items by the cutoff date did not get there packaging and promised. Deasy this same kind of explosion due to people basically going on amazon and saying, i am not going to do it. Will clinton do all of my holiday shopping. We expected about 12 , and it looks like we are going to be delivering somewhere around 17, 18 . The numbers are not wonder percent finished here. Our model is a little bit different than ups and fedex. A lot more of our packages, the last mile. We have that as those at the peak and spread the workload out. The biggest issues you face in trying to run the volume you can run through that that work. A lot of people come on. Like you said, 15, 16 percent, higher than expected. Melissa at the end of the day when christmas is over there are a lot of people of our release angry. Everybody and had something and they said that they were promised to get there and did not get there. What is the lesson for next year . And mean a lot of it really fault the websites, whether it was amazon or just a little Cookie Companies in all of the people that said, come in and order the you know, 11 00 p. M. On dec. 23rd and we will get it there for continued increases. People find shopping online convenient. Free shipping is the name of the game. Selection. It is imperative that all of us in the shipping industry are ready for a bigger opportunity. Melissa before i go, anyone who follows me on twitter knows that there was the mystery of my missing package that was heading down the florida for christmas. Did not get there. What happened to my beloved box . I gave it to my postman here in new york. It did make it, but after christmas. What happened to my box . Like i told you, it was our mistake. We missed this one of. Melissa when i came back i clicked out a bunch of labels. I just cant quit the post of this. You did refund all my money. Have a nice day. Up next it is time to get your money ready for the year ahead. A preeminent finance expert on the shocking ways that you can stay with the spirit of the end of the day its all about annnc] heoney. Has over 1 million businesses. If you have a buness idea, we have a personalized legal soluti thats rig for you. Wi easy stepbystep guidance, were here to help you turn your dreainto a reali. Start yourusiness today with legalzoom. Were here to help you turn your dreainto a reali. So ally bank has a that wothats correct. A rate. Cause im really nvous about getting trapped. Whys that . Uh, mark . Go get help i have my reasons. Look, you dont have to feel trapped with our raise your rate cd. If our rate on this cd goes up, yours can too. Oh that sounds nice. Dont feel trapped with the ally raise your rate cd. Ally bank. Your money needs an ally. Your money needs an ally. My dad has aor afib. Brillation, he has the most common kind. Its not caused by a heart valve problem. Dad, it says your afib puts you at 5 tes greater risk of a stroke. Thats why i take my warfarin every day. But it looks like maybe we should ask your doctor about pradaxa. In a clinical trial, pradaxa® Dabigatran Etexilate mesylate . Was proven perior to warfarin at reducing the risk of stroke. And unlike warfarin, with no regular blood tests or dietary restrictions. Hey thanks for calling my doctor. Sure. Pradaxa is not for people th artificial heart valves. Dont stop ting pradaxa without talking to your doctor. Stopping increases your risk of stroke. Ask your doctor if you need to stop pradaxa before surgery or a medical or dental procedure. Pradaxa can cause serious, sometimes fatal, bleeding. Dont take pradaxa if you have abnormal bleeding or have had a het valve replaced. Seek immediate medical care for unexpeed signs of bleeding, like unusuruising. Pradaxa may increase your bleeding risk if youre 75 or older, have a bleeding condition or stomach ulcer, take aspirin, nsaids, or blood thinners. Or if you have kidney problems, especially if you take certain medicines. Tell your doctors about all medicines you take. Pradaxa side effects include indigestion, stomach pain, upset, or buing. If you or someone you love has afib not caused by a heart valve problem. Ask your doctor about reducing the risk of stroke with pradaxa. Melissa surprising resolutions that you can make that will add up to big bucks in your pocket. The founder and ceo of learn to invest, the author of financially fearless which right now is number one and barnes and noble be read the tips that we have were pulled out of the book. I have to say to my have been doing this a long time and i have not heard them quite this way. Use 30 percent of your money for fund. About the 502030 roll perry 50 percent has to get to essentials, roof, and grocers and utilities, 30 percent must be there for you to do fun stuff. Every time your phone rings its someone who wants you to spend money, and if you dont have money to be able to say yes you will end up the overspending your budget elsewhere, so it is important to make sure you are set up structurally right. Melissa a switch to who lou or netflix. It sounds like an extra expense. So start by, if you could go to your Cable Company in mill in vacatiin mode and realize that you dont melissa what does that mean . You can simply have it go dormant and not pay for one month. Melissa i did not even know you could do that. You can do that if youre traveling. Will we say is get an antenna for about 20 turn on Something Like who you were netflix for 9 a month which literally save your run of hundred dollars a month right there. My husband will come in for saying the southbound. He. Melissa its great for my business. I dont know when is let you say that. I love this one. He says switch to beer and wine instead of signature drinks. Simple, but literally a cocktail is always three to 5 more than beer and wine. If you dont care, 15 tennant 25 plus dollars per night and you could be in a position to save a lot of money while you are going out and having fun. Melissa every financial person says, dont go starbucks. And im like, i really wanted. Freeze your cards. People work with an expert and they will say, you really are not in control of your spending. We dont want you go cut up your credit cards. The we have you do is literally take your car, put it in a bucket, a nice, freeze them, and then you did more attuned to what you are spending. One of the things we have seen it to his help people get back on spending within their means. Those are four extreme cases. Melissa the advice you are giving is you are not saying, it is not as dramatic, not turn off your cable, kutcher credit card. It is not realistic. Youre saying, sell yourself for one month on going to go without this, and then see where you are. The end of that month you can go back, but you might make it and be proud of yourself. Youre going to live anyway. If we tell you to go and deprive yourself youre going to go to the far extreme. It is about realistic behavior. Melissa i love it. Thank you for coming down. Up next, the social experiment that many cannot wait to get in on. Our very own adam shapiro is in colorado talking with people that are livinggthe high life. He is not. Dont worry. You can never have too much money. [ me announcer ] this is the story of the dusty basement at 06 35th street the old dining table at 25th and hoffman. And the little room above the strip mall f roble avenue. This magic momt it is the story of where every great idea begins. And of those o believed thehad the power to do more. Dell is honored to be part of some of the worldgreat stories. That began much the same w ours did. In a lile dorm room 2713. This mic moment melissa time for a little fun with spare change. Colorado ringing in the new year right and making hash history as the first date test cell legal marijuana. So far there is no slowing down. Even the cold weather did not stop weed lovers from lining up. Fox business adam shapiro is in the middle of some pot plants in colorado. I was is going out there . Reporter well, the first, as you know, history. The second day has not let up. You have people who are in line to buy marijuana legally for legal Recreational Use. The medical marijuana. Now what they have done under the law is split into two different businesses. Under one roof you have the medical side and then you have the recreational side. It will pay roughly 37 percent tax on what they buy. Is going to be humongous. Melissa interesting line. Everyone looks happy. I see more men than women which is interesting. I dont know what to make of that. Was the next up . The next step is that federal government watching what is going on. Marijuana marijuana remains illegal at the technical level. Technically it is illegal in colorado because federal law trumps colorado or state law. However, the department of justice last summer so were not going to interfere as long as states where Recreational Use will be legal have strict guidelines to regulate. Washington state, this summer they will begin selling marijuana for use recreational league. So this is a domino that is starting to fall. Melissa and know they are on camera. Half of them are walking behind you putting there face in the camera. What kind of people are buying . The crowd right now is just the normal people that you see anywhere, from all walks of life. Grandparents, a businessman. He was on his lunch. He came here to buy. There were there are students. There are all races all socioeconomic class is. For lack of a better analogy is the new beer. It is really for people here this is not a big deal. Is not necessarily all cash. In most dispensaries it is all cash because banks are still reluctant to process the transactions on behalf of this a legitimate businesses because the federal government has never actually said where they will stand on this and they are sorry that the banks level that it is money laundering. So some will take credit cards, most are cash. Melissa let me ask you, have you bought anything and what other rules . Youre not residents. [laughter] come on. Take the bait. Here are the rules. Listen. I dont know. I assume our employers would frown upon the partaking. The law allows that emplooers to fire you, whether it is legal in your state are not sure you partake of it. That is what i am saying to keep in mind when you think about the rules, but in colorado of your residence you can purchase up to announce for your personal use in your private residence. You cannot open the bag here at the store, in your car, or on the street reacted to a private residence. If youre not from a colorado you can only purchase of a quarter ounce. People buying announced beyond mere paying anywhere from 350 out, 400. Melissa and you cannot buy it and bring it back for the crew. Absolutely not. And i intend to spend the next year in prison. Melissa have fun. Up next, who made money today. This guy may bank by betting big on chinas love for gambling. Keep watching to find that to it is. You could never have too much or too much coffee. [ male announcer ] this is the story of the little room over the pizza place on Chestnut Street the modest first floor bedroom in tallinn, estonia nd the southbound bus barreli dn i95. This mic moment it is the story of where every great idea begins. And of those who believed they had thpower to do more. Dell is honored to be part of some of the wlds great stories. That began much the same way ours did in a little dorm room 2713. This magic moment [ cellphones beeping ] [ llphone rings ] hello . [ male announcer ] over 12,000 financial advisors. Good, good. Good over 700 billion dollars in assets under care. Let me jt put this away. [ male announc ] how did edward jones get so big . Could you teach kids that trick . [ male announcer ] by not acting that way. Ok, st quarter. [ male announcer ] its how edward jones makes sense of investing. Single knockout double malco be whether it is on wall street order mainstreet. Officials say revenues in the worlds top gambling destination climbed to more than 45 billion. Casinos getting a significant chunk of the income. And a new alltime high of 10 . And over tenley and chairs for this executive, meaning that he made more than 37 million. Also making money, investors at sec capital. Ending the year with a gain of more than 20 . That makes it one of the industrys best returns with the average fund that only rose 2. 5 last year. He can call it a sweet and to a bitter chapter in the first history. And alicia keys blackberry roster. She was originally hired to rekindle the love what the blackberry, the one that flopped big time. And she has also refused to stop using her iphone with tweeting. A move that did not go well. I hope that you made money today. Be sure to tune in tomorrow to see my favorite economist john taylor. He was secretary of the treasury under i wish and he has been giving us his take on ben bernanke and his forecast for 2014. You dont want to miss this. That tomorrow at 5 00 p. M. On money. Willis report is coming up next. Dennis hello, everyone. I and Dennis Kneale in for gerri willis great stock soaring 27 or more in 2013. Is 2014 already starting to look like the year of the letdown . Stock bonds and gold coming up. And the light doubts about money . Will tell you what lies are being told in a smoking starting colorado. But how long will the feds allawi . All of that and more coming up tonight on the willis report. Double