Semileading stocks right over the cliff. The powerhouse stock is looking for its shine as investors following the outrage of the iphone and software issues. Here to weigh in all this gare. The ceo of capital management. What a day, gare. Is there one particular cause we can put behind this or was this a drop in the making . Is this the correction im trying to say that has been predicted for the last three years. I think its the market catching up a little bit to the small caps. The small caps has been. Correct . The last few weeks. The larger caps finally gave in a little today. I know people were talking about apple, but it was pretty much broadbased. Just remember a very important point we havent had a 10 percent correction in two and a half years. Were overdue, but i would not be surprised even though were not here yet. So, of course, we have these joo political issues going on. They have been going on for a while. Some traders talking about russia, talking about seizing foreign issues as perhaps one of the reasons or today to put the market over the top. Whats your sense on these joo political issues and the impact on buying and selling on wall street. There is no doubt on a daily basis from isis to russia to Everything Else that has happened across the globe does have effect. But i think its about the economies around the globe are slowing down. The markets are seeing that. I know we have a gdp number tomorrow its looking good. Im seeing numbers in china. Im seeing numbers in europe. Not very good. In fact some areas of europe are in recession. The only reason their stocks are up is becauseng money. We probably have some more to go on the downside. I dont think the world is going to end. Its just normal for the market to give in a little bit. It wipes the smiles off the bulls faces. Certainly a reminder not to be complacent. The smalltime investors out thereit pretty easy to panic in these situations. What advice beufg to investors. Longterm investors dont have to panic. No big deal. And, again, this stuff happens. My biggest worry though is that theres a lot of leverage and a lot of margin in the system. And that could make things a little bit worse. And i dont know if you noticed, but the junk market the high yield market thats been hit pretty hard. Thats been whacked big time over the last week or two. I think were following suit here. My expectations well see a little a little bit more. Whats the Economic Data telling us. Its been telling us for some time perhaps were slowly gaining some traction two steps forward one step back. What does that mean in relation to the fed and the Interest Rates going up. I dont think we have a lot of great traction. This is all on the back of 0 percent Interest Rate around the globe. The printing of trillion trillions of dollars. If the Market Forces the issue, the economy cant stand on its own 2 feet. With our Federal Reserve backing on the print of money, im worried that will have a big effect. They have not let the economy be itself without all this easy money. The good news europe is still printing, japan is still printing. The easy money is still out there. Were out of time. Gare, thanks so much for joining us today. We really appreciate it. My pleasure thank you. Okay. The man behind the biggest scandals resigns. Eric holder will be stepping down after six years. Fox correspond joins us now with the very latest. Charlie, thanks for being here. Not a huge surprise hes resigning. No this has been rumored for at least a year. He obviously wanted out of the job. You know, we reported as much. The question is who will be his replacement. Theres a sweepstakes going on. Whos leading. I dont know. I can only guess. Mr. About a rille. Very, you know, good potential. Good choice. He obviously won a huge case with the president. His signature legislative achievement was obamacare he won it before the supreme court. Thats a possibility. Camilla harris. Very attractive woman. I dont mean just her looks. The president said something about her once. I dont want to get in trouble i dont mean it like that. She is attractive, but shes attractive from other ways. Shes a fairly successful liberal ideological progressive attorney general from california. Thats another possibility. Do you haval patrick. Again hes very attractive. Hes the massachusetts governor. Justice department experience. And handling the boston bombers case. Hes kind of taken himself out. Again very attractive. Why is that . Hes the us attorney for the southern district. The leading Law Enforcement office in the country. Hes been angling for this job according to people in washington for years. Hes been taking high profile cases. Hes got a lot of publicity on it. Including high trading. You know, its kind of interesting. People keep saying why havent you put any wall street guys in jail . They havent put anybody in jail for the wall street crisis. They put them in jail for the insider trading. You know, there is some political stuff with freed and holder. Eric holder and freed dont like each other. Does that impact you know, i said, does eric holder have a big say here. And he says he thinks he does. Who knows. Its the president s choice. Theres Us Attorneys Office in the country. And the new york one is very important. That is the premiere of Law Enforcement office. So the president picked that. He actually works for holder. But does he have that bc connection. Now, heres whats interesting. If you think about politically a little bit. Chuck schumer and precede are very close. Precede was Chuck Schumers general counsel when Chuck Schumer led those scandals to the bush administration. You know, not much came out of it, but a lot of publicity came out of it. And Chuck Schumer and freed are very, very close. But well see its going to be interesting. Theres a lot of choices out there. For all i know it could be someone i didnt mention. Thats what makes it interesting. So, as far as mr. Holders legacy, had a lot of critics. I could speak largely to his legacy on wall street, dealing with the holder doj, theyre relentless like the mafia. Thats not exactly a positive spin on that. You know, hes a very political guy, as you know. You know he hasnt looked at the irs scandal. Benghazi, who knows, fast and furious. Yeah, gunrunning stuff. Went on with mexico. You know, buck he did a good job for obama, for the president. He stole my line on cavuto, he was like president obamas lou can a bratsy. Good line. Well leave it there. He stole it. He steals my lines. Charlie thanks very much. Still a lot to come. Including why does picked up the phone save you money. Next more information coming out about the mass hack including identifying the malware involved what you need to know coming up right after the break. New information maryndle from that massive home depot data breach. Federal agents are reporting software used in the breach called months art seems to be designed by the home retailer. The former ceo and white house chief officer theresa payton. Data research group. Thank you both for joining. Theresa let me begin with you. You say that all retailers should regularly employ someone to try and hack their system. Is that done on a regular basis, do you think . We know the government does it, but do retailers do that . Well, if they dont they absolutely should. We do have companies that have white hack hackers to hack them. Our recommendation is to retailer industry to move towards a once a month or once a quarter what were seeing is companies doing it once a year and not looking at it for another year. And those white hack hackers can make a big difference in pointing out vulnerabilities. Should we assume a breach is going to happen no matter how secure someone thinks their system is. You bring up an excellent point. I always say every piece of technology is hackable which means a breach is inevitable. But companies dont need to throw their hands up, there are some creative, different approaches they can take to protective themselves from cybercriminals. With that in mind, michael what is the biggest mistakes you believe that the Companies Businesses make white hack hackers it comes to protecting customers information. Well, as you said earlier, Everybody Needs to expect that a breach is going to happen. And the key to it is having a data breach response in place. A recent study that we did with the upon the Man Institute dhaitd 73 percent of executives have a plan in place which is up about 12 percent from last year, and thats the best defense to have in place before an event occurs. Michael, you know, it seems to me as a consumer, if your information is stolen, it seems like its incumbent to prove, hey, im not the ones who bought these goods. Im not the one responsible for this. What can consumers do if they cant prevent it, what should they do if they suspect someone has stolen their information. Well, the most important part as being prepared as an individual is if the organization that lost your data offers free Identity Theft protection services, they should take advantage of that so they can be alerted to something that is going on, in the case the average time of detection of a breach is about 4. 6 months. So they also need to have a way of looking back so that their identity can be restored to preevent status. Theresa, in the case of home depot there was reports they said they felt a little overwhelmed when it came to trying to protect their systems. I would imagine is that pretty much the case no matter what how big approximate the company its very difficult to stop this information from being hacked. You know, every company and every organization that we talked to says the same thing, theres a war for talent. Theres not enough cyber engineers to go around so most companies do feel understaffed and thats where theyve got to get creative and think differently. For example, right on the heels of this were also talking about jimmy johns coming into this. Every 30 days, make the credentials where expire and have new ones. You only have about 29 days until youre going to reset it again and you can lock the cyber criminals out. Whether were just focusing that theyre happening more and more. Why is that . Are these systems so easily hacked that there are more hackers out there. Well, the malware and the hackers make the headlines, but 80 percent of all the breaches we have and we service are due to employee negligence so security and privacy training thats jobspecific on a regular basis is the most important thing the organizations can do. Very quickly michael how much of a threat is it of an inside job. Insider threats are less than 10 percent of all causes, but whats happening now is that employees have that security and training to get ahead of it. Thanks for joining us. Really appreciate it. Thank you. Us bank is refunding 48 million to its customers. This is the result of r over improper building. Over 400 can expect to receive some retribution. In addition, us bank will have to pay a 9 milliondollar fine to the cfb and treasury. Us bank, by the way, is the sixth largest bank by assets. And coming up later in the show, what all the companies are doing now to make you pay your bills. The next, the question how do you do that on the advice of getting a better rate on your credit card. Turns out, all you have to do is ask. Well be right back. Oh, i love pet day. You guys are just two big softies. Cut it out. Look at these guys. Oh, you. [laughter] ohhh they just unlocked our channels for a week ohhh. And. They just made it free. Ahh. Looks like its xfinity free channel week weve unlocked a collection of channels on tv and xfinity on demand, like encore, nick jr. And disney xd. Totally free for a week learn more at xfinity. Com freechannelweek. Thats why im a cat guy. If you are looking to cut your credit card costs all you have to do is ask. A new survey finds that if you pick up your phone and call your credit card you are able to haggle your way out of fees and get lower Interest Rates. Were asking a credit expert. John, thanks for joining us. There has to be some tips to this. Lets begin with Interest Rates, the biggie. How do you go about getting your Interest Rate reduced . Right. So the assumption is, and its a logical assumption is that the Interest Rates of your credit card accounts are a product of only the information on your credit reports and Credit Scores which is largely true. What most schemers dont know is that the front line of these issuing banks have some wiggle room. So really its a matter of picking up a phone call and letting them know, hey, i see what my Interest Rate is. I think im deserving of something more competitive. Youll be surprised how theyre willing to adjust the Interest Rate. So really youre threatening them with ditching their business essentially does, and that would work. Absolutely. One of the most expensive things for a credit card issuer to do is acquire a customer and acquire a profitable customer. Any inkling they have that youre willing to take your business elsewhere. People get many credit card offers daily in the mail. They know theyre at risk. If they can drop your Interest Rate one or two Interest Rates to them to remain your loyalty, theyre absolutely willing to do so. So how much of a movie in your credit store would they do this. Do you have to have just a little improvement to get better rates. You would be surprised most of the front line customer folks do have some flexibility of ternltz including Interest Rates, the waiving of fees. Youd be surprised just how positive of a response youre going to get. Youre not going to to get your late fees waived every month, but as long as youre realistic with your expectations even though youll have a positive outcome. Lets talk about fees too. I guess were talking about late fees. How receptive are the Credit Card Companies if you have a good explanation to necessity gating those fees. How successful is that argument. Youd be surprised. Extremely successful. Late fees and also overlimit fees. If you go over the overlimit of your car they usually hit you with a 30dollar overlimit fee. Most consumers accept there is a fee and move on with their life. They dont pick up the phone and ask for a good will adjust adjustment to the philippine. Most credit card issuers especially if youre a profitable customer, you use the card, it generates a slight fee income. And youre not a problem to them, there absolutely willing to let go of one small fee in exchange for you maintaining in other words, for you to be a happy customer. Are there some credit card caps that are more flexible than others. Yeah. Generally speaking, the credit card issuers that are targeting folks who are low risk, meaning folks that pay their bill on time, they use the cards, they generate a lot of interchange income and theyre not a problemon a ongoing basis who already have competitive Interest Rates. Those are the people they want to keep. That is the fight for quality kind of in the wake of this recession. Consumers who have very poor credit and Interest Rates in the high twenties. They like to have them on the books. Theyre very profitable if theyre paying their bills, but theyre not going to to get some largescale adjustment. Fascinating. Just pick up the phone. Its a free phone call. Exactly right. John, thanks so much for joining us. All right. Thanks ashley. Time now to look at what youre clicking on. A plunge in commercial aircraft. These orders fell more than 18 percent last month following a record of 22 and a half percent. Airplane orders fell by more than 70 percent in august. Apple is defending i was the against complaints at that time iphone six plus bends in your pocket. Company says only nine customers out of the millions that have bought these phones have complained to them. They pass the durability tests. Latest jet over southern france. The plane maker has already taken 3,000 orders for the single file neo,the new engine option uses less fuel. Yeah, the drones are coming. Vhl says its starting germanys first package delivery. The company says the packet 2. 0 will begin daily flights on friday. Nearly 3 pounds it can carry. Those are the top stories right now on fox business. More airstrikes in syria. This time on oil spills over isis control. And order lenders getting the ability to disable your car remotely if you dont pay your bills. Iis that a good idea . Well get your reaction. Blank blarng new york state is jumpstarting business with startupny. An Unprecedented Program that partners businesses with universities across the state. For better access to talent, cutting edge research, and state of the art facilities. And you pay no taxes for ten years. From biotech in brooklyn, to next gen energy in binghamton, to manufacturing in buffalo. Startupny has new businesses popping up across the state. See how startupny can help your business grow at startup. Ny. 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And arab allies unleashing a new round of strikes on isis, aimed at knocking out small Oil Refineries they use to fund their operations, pentagon said isis makes millions of dollars a day from the illicit oil trade, peter banner barnes with more. Reporter u. S. And allies are trying to tighten the screws on isis and its fi