The situation . Welcome, i am neil cavuto. Barack obama and rob ford could not look more different. The toronto mayor is not smooth and thin like barack obama, but they have serious crises on their hands. I hate to break it to the white house. The mayor seems to be acting more quickly, getting ahead and here is why. He says that he is now getting professional help for his drinking problem and the president just punted on his Health Care Problem in the mayor realizes that he has to look like hes doing something now and the president has dropped this insurance mess for a year now. The mayor still they tossed out, but hes not going without a fight. The president can be tossed out, but hes not showing much fight because the mayor is giving it all he has got. The president is hoping the time will save the day. In the mayor is on the brink because he is just a mess. His signature achievement is a mess. The mayor admitted it, the president has not. Before you laugh off this guy, do remember to take a look at the smartest guys in the room going south. This managing editor says these guys have a lot in common and a lot of differences. But i will say that we are having more fun then it cuts to the core. In the mayor thinks hes making a better effort. Yes, just look at the poll numbers. You have the mayor of toronto, he has actually gone up five points since the time he first admitted that he was doing crack. Neil do you think that maybe the president wore a jersey, that might help . I dont know. Hes got hollywood on his side all the time. But it hasnt helpedim much. Because obama has dipped to 39 is this disaster has been rolling out and it has not been good for him and i think that it represents for voters in the United States and toronto, i think voters really do care about how the guide governance. Rob ford is, you know,es led tax cuts and whether the propelling job growth, fastest job growth areas in the whole part of canada. In the United States obama is overseeing a disastrous health care law. A candidate from the poll numbers really care about how you govern and not necessarily about your personal life. Although that does play a role. Neil im wondering what it says with a reserve of goodwill you could have and whether you blow it or it goes away to what he can keep it and build upon it. The conventional argument is that this president is blowing away because the mayor, there might be more thathe can drop or painful revelations that are still to come, but it seem that hes trying to get us out of it and say, yeah, i smoke crack him i did this and i come i did a lot of stupid things. And then he might just get out of it. At the present not so much. Not so much. His personal life is an unmitigated disaster and yes. The president obama, if hes not careful, he will have an unmitigated disaster because of obamacare in this rollout has been horrendous and obama has look like nothing but a bystander and i think he didnt know how he got to the place that he was. And he realizes this can really hurt and all he did is set back a year and it doesnt fix obamacare. And it could be his legacy is. Neil very good. Thank you so much. And it may not even be legal. Tim huelskamp will have more on that. Its one thing to try to put the genie back in the bottle. But it might be illegal to do so and that is what a lot of these Insurance Companies are going to go into. A lot of these states have been saying that they cant do what you want to do, mr. President. What do you say . The president said this is the law of t land. Yesterday another executive action trying to undo his Signature Health care law and we know that. And i think that we have made it worse. We are spending various provisions and its very troubling and that is wh he has democrats defecting and they dont like the law and are begging him to do something. But i dont think most of what hes doing is even constitutional. Certainly among republicans and others, letting americans keep their health insurance, he says that that is something that he wants to do and there are differences in how youre approaching it. How do you describe the dierence . Change in legislation, i dont it will eventually go ywhere. What we have 39 democrats, they are abandoning obamacare. They are sendg shivers down their spines. Neil the house is letting people keep whatever plans they have rather than oneyear extension. There is only one way to do that and that is the full repeal and we have introduced alternative and we have introduced this Health Care Reform act, part of the things we need to do to make sure that every american is making a choice about their Health Care Plans rather than the president of the United States. Neil we will watch it as this saga unfolds. Thank you. Now, thats what i was saying about whether you could willynilly go back and change the law and whether thats even legal. Forget about ether states can make this happen. You have Insurance Commissioners are saying that they cant even try to make it happen. Jim donnellan on how companies can deal with this. Its easier said than done. So once this has been enactedd many Insurance Companies have systems in place to move what the law says they should have and you cant undo that. No question about that. We have been working for the past three years after the passage of the Affordable Care act to adapt our state laws and processes on the regulations of insurance and accommodating the requirements. All this is interconnected with the otherparts. Neil what does that mean . Go ahead . Neil what does that mean that you cant revise it ordo you jump the line and start over . Well, im not a policymaker, and regulator nutso we do and the rest is appointed by her governor. We regulate, we dont make policy. And we implement that and have been doing that at the state level for 100 years to the recent recession and we fared very well as regulators of the insurance industry. But up to this point, the president is proposing a lastminute change in the system in the system is interconnected and to do that, raising the question of solvency issues are first accountability in order to protect consumers, which is what we were there to do, our first responsibility is to make sure that the companies that they buy their coverage from a salvaged and to change the rules after you are embedded into the law and input into the process, guaranteed issue, higher rates for ther groups, suppressed rates for other groups, it threatens the solvency of the system by doing so. And he threatened the cost to those who are buying insurance going forward. And that lastminute change is really troubling problem for regulators in every state all across the nation. Thats amazing. I always forget that adopted you guys. That is exactly right. Yes, sir. Thank you so muh. You got a problem. Neil okay, in the meantime, i think that rand paul just zehnder chris christie, something he did today that is raising a lot of eyebrows and not the least of which a prominent governor in the garden prominent governor in the garden state. Customer erin swenson ordered shoes from us online but they didnt fit. Customers not happy, im not happy. Sales go down, im not happy. Merch comes back, im not happy. Use ups. They make returns easy. Unhappy customer becomes happy customer. Then, repeat customer. Easy returns, im happy. Repeat customers, im happy. Sales go up, im happy. I ordered another pair. Im happy. both im happy. Im happy. Happy. Happy. Happy. Happy. Happy happy. Love logistics. Bny mellon combines Investment Management investment giving us unique insights which help us attract the industrys brightest minds who create powerful strategies for a countrys investments which are used to build new schools to build more bright minds. Invested in the world. Bny mellon. 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We learned a lot of us have known someone whos lived well into their 90s. And thats a great thing. But even though were living longer, one thing that hasnt changed much is the official retirement age. The question is how do you make sure you have the money you need to enjoy all of these years. Neil earmarks is like a dirty word in washington and it seems Everyone Wants in on during special favors for the constituents in washington. Even when they cracked down on a come if of you ever wonder whether they wilactually return the money . These next gentlemen are doing just that. The agriculture commission, welcome to both of you. Can you tell me what is going on here . We are turning money back in. 1. 3 million in total. We are really excited, we shut down the department of agriculture fuel testing. We shut that down and we have privatizes services and we have eliminated the employees that were working there. And there was an earmark for 1. 6 million instruct the lab and we optioned this equipment only privatize the government service. And hopefully this will be replicated all over the United States. The question is that though they get back to taxpayers or the money they are saving on a product . It was a project when we went in with losing 900,000 per year. And we were quickly and we privatize that only are saving the taxpayers 600,000 a year and they are still being protected and we still do the fuel testing for the state of kentucky and we are saving the taxpayers a lot of money. Neil heading washington, with the products. They never really get back to the folks. Two thirds have been spent were utilized in new jersey. You want to weigh in on that . I think there are ways you can help people and we have had a need for it help before. Ive advocated that if you spend some extra money, that you think it will cut somewhere else and actually on the bill that would shake all Government Employees and i will give you a bonus if you find savings or a government and i think theres a lot of good ideas that we can utilize that will save the taxpayer millions if not billions of dollars. The. Neil what you make of this that was created at the time. I think it was an invalid argument at the time and the reason why we should spend money prudently. Even for good causes. So id say that money hat we were spending overseas and we are not against that. But when we cut some of the money that we spend in pakistan. There are conservative ways to spend money. You know, i think that giving my money now is not really the bestttitude. There was a tragedy. And the fact that most of the money hasnt been spent argues for the money giving out a little bit at a time and maybe that money should have been offset with spending cuts and building things overseas. Irate because. And that candidate is challenging with the economy for the republicans. When are you in a pickle there . I mean, what do you think of that . Who do you support . Well, i think that everybody gets to make their own decision. And every voter well. A lot of our colleagues say this. Senator mcconnell was for obamacare, but its just absolutely untrue. And its not fair. But he is leader for fiscal responsibility. I dont see anything bad about about his opponent either couldnt allow this to be a challenger. See one thats a great way to try to address some of what is going on washington. They couldnt be further away ya know, with new fedex one rate you can fill that box and pay one flat rate. I didnt know the coal thing was real its very real. David rivera. Rivera, david. 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We have websites that have time. What strikes me about it is something that says the president kept explaining to the steve jobs individuals. A great game. Its not whether you can win or lose. There is no way that we can be talked about by apple. [laughter] they are using a popculture reference. I will speak to the president. The current run is itunes. It is good. Apple said it could push a button and buy the song. Still says apple. Is a Good Opportunity to say that this is very complicated. And buying insurance before there was a terrible time by the government have a website with complicated it was difficult to nobody in the world can do it as simply as you can buy a song on itunes and hes just trying to explain that to people and easy to relate terms. Is impossible, this thing is not going to be ready by december 1. And 30 the apicants are doing it on paper. This idea is lame. Macko had . This is where we can pile on the criticism. It shouldve been better it will be better. This includes aprocess that is no time. So that will do it. In the meantime, tea partiers are fighting to take over washington. I dont intend to run to the writer left of Mitch Mcconnell that server the top of Mitch Mcconnell. [ male announcer ] they are a glowing example of what it means to be the best. And at this special time of year, they shine even brighter. Come to the winter event and get the mercedesbenz youve always wished for, now for an exceptional price. [ santa ] ho, ho, ho, ho [ male announcer ] lease the 2014 e350 for 579 a month at your local mercedesbenz dealer. See who does good work and compare costs. It doesnt usually work that way with health care. But with unitedhealthcare, i get information on quality rated doctors, Treatment Options and estimates for how much ill pay. That helps me, and my guys, make better decisions. I dont like guesses with my business, and definitely not with our health. Innovations that work for you. Thats health in numbers. Unitedhealthcare. I have endorsed senator mcconnell because i think he has been a good conservative and he is the leader in opposing obamacare. A lot of your colleagues dont feel the same way. I mean, i think what has been unfair in their are some acting run in kentucky that say that senator mcconnell was for obamacare funding. It just absolutely untrue and not there. He has been a leadern the balanced budget and amendment and fiscal responsibility. Neil by the way, we invited senator Mitch Mcconnell to come on. We have not heard back as of yet. And it sounds like rand paul have decided that youre not his guide. And we have certain amounts of funding that might require him to make the decisions that are in his interests. But i like rand paul, hes donea great job. And ive voted for him twice and i supported him. I think hes terrific. Maybe it could be a metaphor for the Republican Party to battle for what its real soul is for. What we have to have is a battle for the heart and soul and frankly for the entire political process, whether we the people will have a voice. Whether this is a government for the people. Or whether we will be hijacked before a handful that self propagates and tells us who their proteges are. That is what is at stake in this race and its a bit of a proxy for that. See what you get a sense the tea party challenges. But they go down to their feet and the democrats . What you thin . Im not too concerned about this. But the interesting thing is that all the various same people who ultimately coalesced behind him, when he was bucking the exact same establishment that of endoing this in some measure, the irony is that all those people are behind it. And this is a misery by the future of kentucky. We have a lot of issues that need to be addressed and im running against a guy who refuses to talk about these things. And it is unfortunate because we have railed one is the need to be talked about ms stayed at this time. Im offeringn alternative for the future and my opponent doesnt talk about that. And they are not really in line with conservative thinking. He has certainly shepherded some deals that have slowed the rate of spending down. But he is not even remotely republican. He voted for the last cut debt ceiling increases in a row. You would never vote if it came time for a vote to raise the debt ceiling ever . Its interesting. We talk about this. He would never d that . And we cannot spend our way out of debt. We cannot continue to keep raising the debt ceiling libya without concessions. Meanwhile, that toronto mayor meanwhile, that toronto mayor wind up in the American Dream is of a better future, a confident retirement. Those dreams, theres just no way were going to let them die. Like they helped millions of others. By listening. Planning. Working e on one. 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