Womens magazine with singer on the cover sold less than ones with lesser known personality in 2012. Cosmopolitan magazine featuring swift was the worst seller of the year. David why dont they like her . Liz she is too young. They want it see real woman. David i dont read those mags. Liz coming up tomorrow, you can not miss this, investing opportunities in the business of vice. I will be coming to you live, from david, the only three deadult 3d, adult entertainment, lets call it pornography studio in california, in chatsworth. We will have steven hirsch. David not just movies were talking about the real thing. Have you heard of the bunny ranch . That one of those legal prostitution places they have got out in nevada . Den necessary hoff. Featured on hphbo, talking about the business of bored dell lows. Liz the name in pornography. Larry flynt will be joining me. See him at 3 00 p. M. Eastern. More Business Advice all day tomorrow. David money with Melissa Francis is next. Im Melissa Francis and heres whats money tonight. Every party has to end. The question is, when . The bulls are throwing a rager on wall street but is it too late for average investors to show up . Our market power panel tells you how to make money no matter where the market goes. Plus, nothing tastes sweeter than a bailout. Uncle sam is ready to come to the rescue of the sugar industry as prices plunge. We have money for this, but not white house tours for kids . Consumers and taxpayers may have more than a biter pill to swallow. Were going to explain. Democrats lay down their cards on the new budget. Forget balance. How about a hefty helping of tax hikes . Well talk to a Ranking Member. House budget committee, Chris Van Hollen for reaction. Even when they say it is not, it is always about money melissa our top story tonight, there is no stopping the wall street rally. The dow closed at a record high for the 7th day in a row at 14,455. So what are you doing about it . Where is your money right now . Todays power panel is here with what the average investor should be making of all this lance roberts, chief economist and ceo of street talk advisors. Spencer patton, chief Investment Officer at steel vine investments. You recognize jonathan hoenig, he is Portfolio Manager manager at capitalist pig. Com and fox news contributor. Thanks to all three of you for joining us. Lance, let me start with you. The average person is watching this and hearing record, record, record. Saying what am i missing . What are they missing . Well obviously theyre missing the market going up but there is kind of this assumption that the average investor has been out of the market three years, four years now and now theyre just kind of waking up. That is not the case. Most people that are invested. Melissa you dont think so . No, it is not. If you look at lot of data, only 20 of the americans are actively involved in the market anyway. The bulk of those are invested for the most part. Theyre in the markets. Theyre participating and, you know the issue really becomes though we have to look at risk here. Weve obviously got the fed inducing markets. 85 billion a month. Melissa right. Driving these market prices higher. Thats fine. No problem with that. Margin debt is back at levels we havent seen since 2007. Melissa yeah. You have high yield credit, high yield credit yields are at the lowest level on record. Which basically means the yield chase and risk is definitely there. So you just want to be more cautious where you go too from here. Melissa jonathan, im thinking one in four americans who tapped into their 401 k to try to pay their bills over this period of time. Im also thinking about the people who stopped contributing to the 401 k when they saw the market tank because they got nervous about it. Theyre waking back up to what is going on and seeing they missed the ride up. What would you tell the people do now . Get out of the habit making investing all or none decision. Your point speaks to that exactly. Go back to 2009, 2010. Investors obviously became very scared and a lot of those individual investors unfortunately pulled all their money out of the market. Were at alltime highs on the dow. Were starting to see that trickle in. I disagree slightly with our guest. We have seen especially four or five years, come out stocks go into bond and into gold. Melissa i agree. Market has been up nine days in a row. I think the trend still continues. I see higher prices for stocks despite the run weve had. Melissa spencer do you think the Retail Investor is on the sideline and what should they be doing . I think we see more Retail Investors in bonds significantly. And there is chunk on the sidelines. What people need to do is wake up the fact they have lost a lot of purchasing power last five years. Gasoline is 4 a gallon where it was at two. Gold was 750 an ounce. Now it is at 1500. They need to get into real assets. Buy things like real estate. Get invested into agriculture. Get into things that will preserve the purchasing power. Do not buy the market once it is up nine consecutive days the longest in 16 years. You will wake up and regret it in the morning. Please run and dont make that mistake again here. Melissa lance, is that good advice . That is a good point. Youve lost a lot of purchasing power. The fed is just going to keep doing what theyre doing. So items is a like that trend could continue. Do you agree with that . What advice would you give in light of that . I think it is great. Actually i agree with both of your guests over the last two points. I call this the taylor swift market because they treat this like a bad relationship. When it doesnt work out bail out at worst time and try to get back in at the top. Melissa yes. But the reality i agree with bothings look the markets are very extended here. There is risk. You want to buy on corrections. Again, agree with jonathan, you dont want to go all out of the market or allin. It is never good. You can not time the markets. In respect to your second guest, steve is absolutely right, it is about asset allocation. Stocks are a fine place to be when all the fundamentals are in place but earnings are deteriorating. Risk is high. And people are chasing stocks because theyre going up. But look, there is some great places to put money. Bond prices have actually declined over last couple months which have given good opportunities in the bbb rated space. There is great opportunity, gold had a great decline over last few months. Very, very oversold. This is the most oversold gold has been in last three years. This is good opportunity. Melissa i want to ask each of you in really plain language. If people have money sitting on the sidelines right now and theyre watching this record day after day after day, would you add money to stocks right here . Im going through everyone. Jonathan, would you start first. Would you add money to start here . Absolutely, melissa. The best indicator of the market is the market. So i dont believe as the other guest has said, i dont believe you buy on dips, buy on corrections. You never know if the correction is beginning of something more substantial, something more serious. I believe in buying strength. Right now, look at stocks, bond and gold unquestionably, stocks is the best asset class to have your money . Dont buy now. You will regret it if you buy at peaks, you buy on corrections. That is what data in the past shown. Buy when things are cheap. Dont buy at the very top. Melissa im thoroughly confused. Lance you will be the deal breaker, the tiebreaker. What do you think . Look the bottom line is, that markets are very overbought. They are going to pull back at some point. Maybe this summer. Buy on corrections. Buy on weakness. That is when you make the best opportunity. Buying now, youre guaranteed in the next three to four months values will be lower than they are today. Melissa jonathan, youre odd man out now. Ill let you have the last word to make your case. I mean, idea of buying on corrections, melissa, you go back to 2007. You would have bought all the way down to a 50 correction in the dow. I in fact dont see that now. The market moves in trends. That is the best indicator we have. Right now yes, of course the market will go down one day in the future. It will not go up forever. I think it is best asset class you can have. Stocks are like sushi. You dont want a bargain. Dont want them on sale. Buy quality, buy strength. Trend tend to persist. Melissa what you learn is something we learn every time there is Big Stock Market crash like what happened in 08. That if you get out at huge crash youre always sorry later so it comes back. We learn that in retrospect. Thanks for coming on, we appreciate it. Thank you. Moving on to keeping your money safe, u. S. Intelligence leaders say Cyber Attacks are our nations number one security threat, even more than terrorism and al qaeda. Today the president met with ceos of some of the Biggest Companies to discuss the critical implications but heres the thing. All the recent attacks on banks and web sites have seemed more like inconveniences than anything else. Supposedly no ones Bank Accounts were compromised. Weve never seen anything like the dire warnings of Water Treatment facilities or the like being attacked despite warnings for years. So why is cybersecurity our biggest concern right now . Thats what im wondering. Joining me morgan wright, cybersecurity expert and retired colonel set brick cedric layton, retired Security Risk analyst. Gentlemen, thanks for coming on. Morgan, let me start with you. Sure. Melissa this is the supposed to be the biggest threat out there you about as a regular person i never see any evidence of it so it is hard for me to get scared. I talked about this before, the government has interest in spreading certain amount of fear and doubt to get policies through to get people to take action. When James Clapper came out and talked about this, my concern is what he told and what he knows, my concern what we dont know. Scope and damage of threats always lag indicators and warns we later get. There may be something on the rise here. The real issue is number about actors, access to technology, the internet is ubiquitous. Rather than russia, china, you have defined army and defined enemy you see those things. You have anonymous. Alquds force we talked about before. You have all the people out there, china and all their Cyber Espionage units out there. So the threat proliferates. It doesnt get smaller. Melissa colonel, do you believe that this is the biggest threat right now, bigger than al qaeda . Actually i do and the reason i believe that, melissa, it is one of the most ubiquitous things we deal with right now. What we deal with is a device and a series of networks that are hooked up to everybody. Every Single Person in the United States has some interface with the internet. And because of that, it becomes really important for us to secure that network or series of networks and that is why because it touches everybody, everybody too needs to know there are threats out there and they need to know how to behave to counter those threats. Melissa morgan, i dont feel like this ever touches me. This is always the problem i have when talking about cybersecurity. Right. Melissa for years weve been talking about the potential, you know for terrorists to get in the electric grid and shut down huge cities. To turn off the subway. To contaminate water supply. You never hear about anything like that happening. There are attacking banks yet i havent lost any money. Worst thing that happens you cant get online and check your balance for a short period of time. It doesnt seem like a very terrifying to the average person. Well, and you know what . Thats the, thats the p50,000 foot view. Colonel layton from the air force would understand this analogy. Bombing from 50,000 feet. A lot of people dont see the actual impact but talk to a Construction Company in california, in december, visit krebs online, Great Security blog, they lost 900,000 and compromised their Sensitive Information and took 900,000 out of their account. You wont see denial of service attacks because denial of service attacks are designed to prevent something. The colonel said more devices connected to internet and more than people on earth. For new addressing scheme, you have to have an a address to be on internet, we have ten order of magnitude for more devices. More things to compromise and more peoples personal information. I dont want to wait until the Mushroom Cloud of cyberterrorism hits. What you want to do is get ahead of it and put policies and procedures and training of people in place. Melissa colonel layton, are we doing that . You see ceos going to the white house to talk to the president. In this country are we ahead the curve or are we behind . Were behind right now, melissa. Morgan points out really good points. He makes great points of the types of things we need to do to prepare ourselves. We dont have laws in place to protect us. We dont have laws that protect the infrastructure. That i think is what the president is trying to work with the ceos on because it becomes very. Melissa like what . What kind of law would protect us here . What law would make a difference . Well i think the big thing you have to have minimum cybersecurity standards. I know the u. S. Chamber of commerce has a different view on this but the basic idea is this. Is that you have some minimum standards that evolve as technology evolves. Something that the government hasnt really done yet. But they need to get into the business of developing standards that change with the times, that change with technology. And that can be enforced. You dont want to have onerous burdens on business. You want to protect everybody from the possible threats out there. In essence what were doing were protecting utility that we have that is known as the internet. Melissa gentlemen, nation for coming on. Good stuff. Thanks, medical list a, again. Melissa turning briefly to the big nonfinancial news of the day, the worlds 1. 2 billion catholics have a new pope. Argentinas Cardinal Jorge bergoglio was elected to lead the catholic church. He is the first pope in history elected from the americas. He becomes the first jesuit pope in history. He chosen francesca or francis i as the papal name. He asked the massive crowd in the papal square to pray for him a short time ago. Next on money, how about sugar with the bailout . Uncle sam plans to save the day for u. S. Sugar industry. Yet woe dont have money to stop furloughs for meat inspectors. Why the government may pour salt in taxpayers wounds. Plus the new democrat and paul ryans budget plan get together like ice cream and ground beef. What will both sides do to bridge the massive gap . Chris van hollen of the House Budget Committee will join us coming up. Investor. Yeah, im a serious investor but im a busy guy. It used to be easier but now there are more choices than ever. I want to know exactly what i am investing in. I want to know exactly how much im payi. I want to use the same stuff the big guys use. Find out why nine t of ten large professional investors choose ishares for their es. Ishares by blackrock. Call 1800ishares for a prospectus which includes investment objectives, risks, charges and expenses. Read and consider it carefully before invting. Risk incdes possible loss of principal. Today isonna be an important day for us. You ready . We wanna be our brothers keeper. Whats number two we wanna do . Bring it up to 90 decatherms. How bout ya, joe . Lets go ahead and bring it online. Attention on site, attention on site. Now starting unit nine. Some of the world cleanest gas turbines are now powering some of ameras biggest cities. Siemens. Answers. Melissa call it one sweet bailout. The usda made by 400,000 tons of sugar from processors in order to prevent them from defaulting on 862 million in government loans. This by the way, is the same agency that warned of widespread beef shortages due to a lack of funding just a few weeks ago. And of course the government has been making cuts left and right to do things we quote, cant afford. You know, like air traffic controllers, medical research, Public School teachers, stuff like that but it can drop 862 million on sugar. The icing on the cake, if the deal goes down the price of sugar is going to shoot up. Just about everything eat or drink has some sort oo sugar in it, feel the heat at grocery store. For more im joined by the president of the National Confectioners association. Why is sugar getting a bailout . Because there is crazy u. S. Sugar program. One of the last programs left that protects and defends a commodity. These are in the socalled farm bill, it prevents sugar coming into the country, so it protects the Sugar Growers in the country. It also has a guaranteed price. So if the price gets too low, then the government has to buy it. And put it in warehouse and then eventually sell it. Its crazy. Melissa it is insane. Now they are being potentially, this year, theyre going to be forced to buy this sugar because what is going on in the sugar industry that it is such a terrible year for sugar . In a way it was a good year for sugar because the sugar beat farmers in the midwest and sugarcane farmers had a really good year in terms of production. So theres a lot of sugar on the market. And but the real reason for that is this ups and downs of the market, it is not a free market. It is really run by the department of agriculture. So, the secretary of agriculture decides how much sugar can come into this country, which is very little. And all of this is done to protect the growers. Melissa yeah. Because this program has been around since the depression. Melissa so i can feel people shouting at television right now and saying things like, we do similar things for the corn industry and for the milk industry and for cheese and a lot of this has to do if theres a bad crop one year we dont want sugar farmers to get wiped out so we dont have sugar the next year. How do you respond to all of those arguments . First of all there is plenty of suggest far in the world. What there should be is a free market in sugar. I represent the u. S. C