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It helps those people who have maybe too much but it doesn't certainly help everybody as far as the deferral of the required distribution is concerned. >> it's not law but it looks like it's winding its way along the bumpy road. we'll see where it ends. we are near the end of the year. what's on your smart investor to do list before the new year begins? >> well, you know, people have told me they haven't looked at their investor statements because this year has been straight down. in the last two months it's picked back up. one of the things we're recommending, a lot of the things we're doing ...

Ben with me in new trump stock market rally is very good but still lags obama and clinton. put this into context with us. the market side and we'll get to the economics in just a sec. >> sit's been a great year for stocks. we're almost up 30% on the s and p 500. it's shaping up to be potentially the best year since 1997. so people feel that, they see that when they open their retirement statements or take a glance at the stock market and president trump loves that. but when he says this is unprecedented or historic or the best ever, he tweeted on friday, that he is beating other presidents, th...

Little less worse than it was, but it's still a very, very difficult month. a lot of people are not going to want to open up those retirement statements. people keep asking me why did the market go up 1,000 points. ultimately the market will know but i'll say this. you tread book "all is quiet on the western front." all was quiet politically yesterday and many people i talked to said that may have something to do with it. the president made the trip office, no tweets. mnuchkin didn't send out any surprise emails. the federal reserve stayed quiet. the market did what it wanted to do. no talk of...

Stick it in my pocket. it's in my coat pocket. and we've got forbes media editor in chief steve forbes and last but not least, retail watcher, ethan herzog. and it's interesting, this swiss colony ceo is something you touched on, the consumer that consumers are pent up, they're jazzed, they're buying, we could be seeing records. what's driving all that? >> pent up demand and frugal fatigue. they need to go out and shop and especially the last year, we've seen such improvements in the markets that people feel a lel more euphoric about it. granted there's a lot of volatility happening now, but o...