she didn't seem too impressed at least with the tsa she gave the tsa just with one-star rating. what would you give the irs. >> i will not say. that would be dangerous. my local post office got a terrible review. they're right about that. here comes "risk & reward" right now. deirdre: there are new developments in the hack attack on adultery website ashley madison. from a hack of millions, 15,000 leaked emails were reportedly from government email accounts. the washington examiner's jacqueline clements is with me. some addresses were even whitehouse.gov? >> yes. there were more than 40 email addresses from the white house.gov email carrier. deirdre: okay. so what are the chances that they are true addresses? i read an article actually in wired. it seems as if you don't need a backup email to register. one person cited in the article signed up with the former u.k.

prime minister tony blair's address? >> the email addresses didn't need to be verified. and so people could be using fake email addresses. it is not 100% certain that, people could use emails that don't belong to them and making up email addresses with a dot-gov or dot email ending. deirdre: even small percentage where people are doing this to their buddies as a prank because i see dot-mil for military as well. >> yeah, right. definitely, some people were joking. army versus navy trying to batter the other service. a lot of dot-email addresses which relates to a specific boat. things that are that specific or hard or less likely to be fake. deirdre: as we know, we've been covering these email addresses and credit card information and names, fake or not. this was all part of the hack. in fact this had been threatened for months by this particular group, which threat inched the site to say shut down or we

publish this? >> right. it is actually, as i understand it, from the wired article they posted kind of introduction that said, you know, time's up. you haven't taken the site down. we'll put all this out there. deirdre: okay. well, we are going to continue the conversation. in the meantime, jacqueline clements joining there with the "washington examiner." thank you very much. as you can see, tech making life easier in this case, certainly creating disruptions after months of warning. ashley madison hackers made their threat solid and posted all the site's secret user data. as we've been talking about names, addresses, credit card numbers. in total 9.7 gigabytes of stolen data, dumped on the so-called dark web. cybersecurity expert is with me now. he says several of his clients were involved. robert, welcome. what are your clients, what is their reaction to this? >> so, not necessarily clients.

i have been hearing from people on the web, people who have shown up after i made presentations saying they believe their information is part of the breach. phone, email, in-person. people obviously alarmed by this, wondering what repercussions might be, wondering what direction they should take and that their information would be pulled out and exposed. reality at this point, more than other people are creating databases searchable. so any name, address, phone, even email and credit card number might be searchable at this point. deirdre: so is there anything from you, from what you know, robert, given that this threat was made a few months ago, about the type of encryption, the type of security that ashley madison and parent company were using? do you have any reason to believe that the company should have stepped up its security? >> yeah, you know there is always room for more security. there has been reports that the levels of encryption on the card

numbers and other points of data was up to speed but then it is also capable of being cracked. the reality of it is, is that the personal information, the private information that is being leaked, the profile information, that might be related to the person's name and or their email address, that was like fetish type data. what their interests are sexually. that is really alarming to some people that that type of information was only meant for certain people is now exposed to the world. and if that is actually connected to a person's real name and their real address, that could spell disaster for any relationships they may have. deirdre: seems if this team impact, which is the group of hackers, i'm going to read right here, find yourself in here. the company failed you, lied to you, prosecute them. kind of a call to arms. almost like a civil suit here and claim damages. then move on with your life. learn your lesson and make

aamends. embarrassing now but you will get over it. apparently that is a message from the impact team. >> i don't think that message itself is going to console anybody whose information is being compromised. who are they to dispel that kind of advice? they are talking about, you know, the big bad company when in fact, you know, this is criminal act. a lot of people are going to suffer as a result. deirdre: well, to your point the company did come out with a statement and say, this is not a hacktivist event. it is, as you say, robert an aspect or rather an event of criminality. robert siciliano, hot spot shield security expert. drawing this line between legal and illegal activism is tough to do. we brought in an expert. fox mean juror judicial analyst judge andrew napolitano. wonderful to have you with me. >> always good to be here, deirdre. deirdre: this is ashley madison's response, the parent

company. this event not an act of hacktivism. it is an act of criminality. it is an illegal action, basically saying we were doing nothing illegal online. therefore the people who leaked this data on the ones who should be charged? >> clear that several crimes have been committed. it appears as though ashley madison was not doing anything online. the latest rumors this afternoon is that these people who hacked into ashley madison discovered that many of the female profiles were online fakes. they weren't real human beings. if that the is case ashley madison has a fraud problem on its hands. deirdre: they said at one point 90% or 95%. >> that remains to be seen. but, to interfere with a computer signal without the authorization of the owner or operator is federal crime for everybody, except the federal government. another issue for another time. not only is there interference with the computer signal, there is also extortion. that is what will animate the fbi far more than the simple hacking.

the threatening, that is the threats if you don't change your business model we're going to ruin you. now ashley madison probably has liability insurance. how do you measure the damages? how does a jury decide what a person's damages are because the person's spouse found out that this person went to this website? deirdre: apparently there were 40 million users, judge. the only site, connection site for whatever purposes that matches that is actually match.com? >> here is a problem for ashley madison. many liability insurance policies have an exception in there for criminal acts of third persons. it is clearly, clear that this is a crime and this was caused by the intentional criminal acts of third persons, rather than the negligence of ashley madison. if their liability coverage is limited to only to their negligence, which many of them are, they have no coverage whatsoever. they will be out of business by the end of the week. deirdre: that is a very clear forecast. judge, what are the chances

there are some lawyers calling around some of the victims, i don't know how they get in touch with them -- >> right. deirdre: calling around let's band together, help you out with class-action lawsuit? >> i think there is probably an excellent chance but i don't know there will be any pot of money for them at the end of the litigation. deirdre: what if the company shuts down. >> we don't know what their debts are. we don't know what the equity is and don't know if their insurance coverage would get in. people have been harmed because they trusted personal information to an entity that said trust us and they couldn't be trusted because they were attacked by outsiders who were trying to change the culture of the united states. that just means outsiders are trying to do. deirdre: judge, wonderful to see you. thank you so much for your perspective. judge napolitano, joining us there. going from online to tech is a new twist. robot staff may outnumber humans at some companies but increased automation doesn't mean everyone will be out of work. there is a new report by

deloitte consulting saying tech created more jobs than it has destroyed. deloitte cites 140 years of data. pushing off fears of a robot apocalypse, my nix guest doesn't think so. the real human charles payne. so, charles, 140 years of data. that is what deloitte, i will, know it is real you, not some robot you sent in. 140 years of data, that is hard to argue with yet -- >> yeah, 140 years of data. they went to the invention of the wheel. it is just, a little bit absurd in my mind. we know that there have been maybe some false worries about automation going back to king and weaving machine. we have had two industrial revolutions that created jobs, assembly line and those things. in my mind we're in the third industrial revolution that will take jobs. it will create some but take a whole lot more.

we see it anecdotally when i come through on the george washington bridge. everyone of those toll booths had human beings in them. maybe two. deirdre: let me take you up on that because what about those people exposed to the fumes, day in, day out, hours and hours. maybe that is not a job that humans should have? maybe that costs state a lot more money in health care and emphysema and lung problems? >> kel can tell you i have a good friend that worked in toll booth and bought a home and moved to south carolina. she moved her family from the hood. for her it was worth it. >> worth the risk. >> yeah. deirdre: as far as some other jobs because i'm going back to deloitte. i don't have a dog in the race. >> i brought my counterparter, counter paper. this is not yours. this is mine from oxford university. deirdre: versus deloitte. >> versus deloitte. deirdre: let's hear night oxford is saying 47% of the jobs will be taken by combination,

automation, artificial intelligence and robots. deirdre: maybe there are different kinds of jobs. >> they actual rank all the jobs which one ares at risk, hate to tell you for both of news cast terse can be replaced pretty easily. deirdre: we'll have a little robots. >> that's right. deirdre: i want to be replaced by a puppet when it happens. if you're still around make sure it's a puppet head not robot head. >> something like from the muppets? deirdre: yeah. >> realistically i get there have been false alarms about innovation throughout history and mankind overreacted but this is one of these instances where we've seen it. look at detroit, deirdre. deirdre: manufacturing is quite, is a very specific case. i'm just thinking, for example, this study will go back to the deloitte, where there are more bars, more hairdressers, since the 1950s to the present, argument being basically authors have increased spending power, consumers have increased spending power so other kinds of

businesses thrive. yes the workforce shifts and looks different but the same amount of people are employed? >> the same amount of people might be employed. the population is greater though. so the percentage of people working is down. and those are the kind of things you have so take, be aware of. and also to what kind of jobs? are they good-paying jobs? i got to tell you something, it is, we're in the knowledge economy. people, the people who will do well are those who can interact and work and fix and code those kind of machines and robots. but ultimately, they're going to be a lot of very formally very good-paying jobs that will fade away. there is going to be a big giant middle ground. plumbers do well. some hairdressers do well. bartenders do well. there will be a whole bunch of people working at jobs, going to be replaced. humans will never have the jobs again. deirdre: charles -- >> i hate to be bearer of bad news but again, you and i rank high on this list. so, you know -- deirdre: buy you drink when the

robot will deliver it to us. >> thanks a lot. see you later. >> charles payne joining me. you will see charles in 45 minutes on his show, "making money." real estate magnate, former obama fund-raiser calling new york city's mayor bill de blasio an anti-business, anti-cop socialist. he is going to be on with charles tomorrow, 6:00 p.m., to talk about his potential run for mayor. you will not want to miss that conversation. forget curves. our next screens could be rolls. check out the latest advancement in technology that could go right to your cell phone. hillary clinton acting clueless about server technology but our political panel is not joking around. that's next. >> did you wipe the server? >> with a cloth? >> i don't know. you know how it works digitally. did you try to wipe the while server? >> i don't know how it works digitally at all. we live in a world of mobile technology,

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comcast business. built for business. >> did you try to the wipe entire -- no emails, no personal, no official, wipe the whole thing. >> by personal emails are my personal business right? so we went through a painstaking process and turned over 55,000 pages of anything we thought could be work-related. under the law, that decision is made by the official. i was the official. i made those decisions. >> but you were official in charge. did you wipe the server? >> with a cloth or something? well, no. >> talking about digitally, did you -- >> i know you want to make a point, i can just repeat what i have said. >> it's a simple question. >> in order to be as cooperative as possible, we have turned over the server. think can do whatever they want to with the server to figure out what is there, what is not there. thank you all very much.

>> this issue going to go away from the remainder of this campaign? >> nobody talks to me bit other than you buys. deirdre: democratic presidential candidate hillary clinton answering fox news senior white house correspondent ed henry and his question, on whether she wiped her personal email server clean. angela mcglowan here, republican strategist and political strategies and insights president and ceo. jeff smith as well, former democratic missouri state senator. welcome to you both. angela, what is your take on how hillary clinton handled that? >> well, it is one thing to be confident, deirdre, it is another thing to be arrogant. it is going to be her arrogance, at that if it takes her out will bring her down. it is not the actual act takes elected official out, it is the cover-up. now she is trying to cover-up the cover-up. you have a server in someone's bathroom. but at the end of the day, i don't think that your democratic establishment will let this take

hillary out. deirdre: well she did clearly leave when she had had enough and gave somewhat flippant answer with that cloth joke. jeff what is your take? >> well, as you note she was pretty flippant and pretty glib. her last two attempts to deal with this have been attempts at humor and pretty poor once. the other night she said she loves snapchat because all the messages disappear by themselves. then this lame joke about the cloth and wiping the server clean wit. i think those jokes were both pretty ill-timed. reminiscent of chris christie in the run upto the bridge gate mess saying oh, yeah, i was guy in my overalls and hat putting cones out. you know that comment looks pretty bad in retrospect. >> deirdre, who does the democrats, who can they run? bernie sanders? jon kerry? elizabeth warren. hillary is only person. >> i don't think that is right. deirdre: angela, i want to ask, you're a strategist, but i know

you're a republican strategist, and if you're advising who is advising hillary clinton to communicate in this way? if you were on your team what would you tell her? >> humility says it best. coming out saying you're human and make a mistake put it behind you. now she is trying to put pandora back in the box. i think it will be a lot of sensationalism. people on the left saying this is partisan political game when she is guilty and she did lie. we do know that. deirdre: speaking of partisan political game, businessman donald trump also a candidate, spoke with fox's bill o'reilly last night. >> you say, well, we've got to have mass deportations. that is not going to happen because the 14th amendment says if you're born here you're an american and you can't kick americans out. if you want to deport people already here, each and everyone are entitled to due process and it would take decades to do that

and today zillions of dollars and courts would block you at every turn. you must know he all of that? >> bill, i think you're wrong about the 14th amendment. frankly the whole thing with anchor babies and concept of anchor babies i don't think you're right about that. >> i could quote you? you want me to quote you with the amendment? if you're born here you're around american, period. period! deirdre: well as bill o'reilly just reminded us, basically that has been intact since around the civil war but trump wanting to deport 11 million immigrants in the u.s. illegally, jeff, hop nestly is this well-thought out on his part? >> donald trump, constitutional law expert, right? deirdre: yeah, well -- >> this is exactly antithesis what the republican party wanted in the aftermath of their 2012 loss. republican national chairman reince priebus put out so-called autopsy asking what went wrong and what can we do differently next time? the only substantive policy

prescription in the autopsy was moderate the party's position on immigration. watching trump take his position and seeing people like rubio and walker gravitate towards this very, very conservative position, which will alienate most latino voters is not the direction the party would want to go in. deirdre: jeff to, your point, angela, i will come to you with this as jeff just said, the last time that it went wrong, a lot of it is because minorities, a lot of hispanics felt alienated by the republican party. trump can not be the best voice to represent his party? >> first of all donald trump does not set the platform for republican party. having said that he is a very smart strategist. this is nothing new. you have steve king from iowa introduced bill in 2011. david vitter a senator from louisiana introduced this bill. donald trump trying to bring more conservatives to his side i think it's a mistake for walker and rubio to kind of agree with

trump because it does alienate. right now donald trump is fighting for his life to stay on top. so i think it's a very smart move for him politically but not for the party politically. deirdre: love him or hate him, here we are talking about him. angela mcglowan joining us there. republican strategist. jeff smith former democratic missouri state senator. don't miss donald trump himself tomorrow morning on fox business. he will join maria bartiromo at 7:00 a.m. sharp. new report is critical of apple's new music. find out what early adopters say. nextgen gauge gettings with their whistles could be becoming distracting. jeff flock has a driver distraction simulator how ford engineer something trying to build a safer, less distracting ride. ♪

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. deirdre: here are some of the stories we're following at this hour. the dow finished at the lowest level since march 2009. s&p 500 and nasdaq closing lower as well. sentiment about energy trade a big part of the declines. u.s. oil settling in at 6 1/2-year low. $40 a barrel, back to march 2009 as well to see prices that low. on the flipside, gold gaining $11 per ounce. the biggest single day rally on gold's appeal is a perceived safe haven asset pushing it to 1128 per ounce. police in thailand releasing a sketch of the bangkok bombing suspect. 20 people were killed. thai police are offering a $28,000 reward for information on the attackers. the fda just approved the first-ever pill to boost a woman's sex drive. it is being called the female viagra. it had been rejected twice because of concerns of side effects. apparently it doesn't pair well

with alcohol and dizziness, nausea, fainting, sleepiness and low blood pressure are all potential side effects. former subway spokesperson jared fogle will plead guilty to charges he traveled across state lines to have sex with minors as well as possessed and distributed child pornography. earlier on fbn we reported he would pay 14 million dollars. we need to make a correction, according to court documents he will actually pay 14 victims, 1.4 million dollars in a restitution. we move to a national economic issue outside of mortgages, student debt is the greatest category of debt for all americans. facebook investor, paypal co-founder peter thiel says it's a sign of trouble for the u.s. economy. >> we have a bubble in education. it's driven in part because we're scared. we don't know parents are scared about kids falling

through the cracks in our society, and so these colleges are able to charge more than every year. up 400% since 1980 after inflation. you know over a trillion dollars in student debt. deirdre: college tuition has gone up astronomically, and a new report pinpoints exactly how and where. fox business gerri willis right beside me here. gerri, great to see you. where are the most expensive colleges in the u.s.? >> we took a state-by-state look at most expensive colleges. take a look at this. lots of big numbers. harvey mudd in california, that is tuition, room and board, no pizza and beer there, the big price tags. new york is columbia university up the street, $66,000 and the university of chicago, home of a lot of economists in illinois, $64,655. i want to show you the least expensive of the most

expensive. the end of this list. universe of wyoming 25,000. north dakota $26,000, university of alaska at anchorage 27,000. in 23 of 50 states the highest tuition level was over $60,000. think about that. nearly half of states have schools in them where they're charging at least $60,000 annually. that's what they're paying each year. deirdre: the point was so middle class people could afford it and send children there. >> these are all schools, not just state schools, so you can have a private school charging a high tuition. deirdre: any sight there is an attempt to cap these levels? >> everybody has a solution, you hear it from all the political candidates. i have advice for moms and dads. this is a sticker price, think about it, a sticker price. you can negotiate from here, that's what you need to think

about. i know it doesn't sound intuitively possible, but it is. that map, the state, that's the logo of the school with the highest tuition. deirdre: gerri willis, thank you very much. it is a concern to pretty much everybody in this country with kids or grandkids. gerri willis joining us now. apple is rumored to taking on a futuristic car that would project information onto a windshield. one more piece of technology that could lead us to be distracted. jeff flock live right now from the ford driver distraction simulator in dearborn, michigan. jeff, you're looking firsthand at distractions that drivers face. i'm sure things are beeping. any crashes for you? >> a live broadcast would be distracting. that's what we're doing right now. it's okay if i mess up because it's only a virtual crash. but i tell you, this is a very serious topic. that is why ford is spending so

much time on it and this facility to create a live-action video game in motion. it seems real. mike runs the lab, you can't really see him here. this is important stuff. >> yeah, what we measure in this laboratory is driver performance, driver response to different situations and if we sound an alarm or light up alert, you want to measure how quickly and appropriately drivers respond. deirdre: i don't know if you can see me, this is a huge white pod-like structure, if i stick my head out, you can see from the overhead camera, i don't know if you can, this is a very complicated setup, so they can measure what keeps people from being distracted. alerts. audio alert, vibrating your seat or steering wheel because deirdre, as you know, we can say don't text and drive, don't be distracted and drive. it happens all the time. and got to be a way to do

something about it. i'll say, i'm occasionally perhaps guilty of myself. i'm very good at steering with my knees, as perhaps you see here and feel okay doing it because if i run off the road. deirdre: jeff flock at the very, very least, i am impressed. you can do a live tv broadcast and not crash. our own jeff flock joining us from michigan. apple's new music service should be a dud. the numbers on how many users are sticking with it coming up. and it's a small world after all. the world's smallest drone could be hitting the market soon. it may get smaller. we'll give you some facts. ♪ i built my business with passion. but i keep it growing by making every dollar count. that's why i have the spark cash card from capital one. i earn unlimited 2% cash back on

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. deirdre: more than 75% of apple users know what apple music is, but only 11% use it. fox news radio host brett larson and scott kernet both with me now. the musically inclined. >> we don't have to sing, do we? deirdre: oh! >> you go first. deirdre: i was kidding, i was kidding. >> people will make fun of me on twitter. deirdre: well, you know. >> were they 33's or 78's. deirdre: wow! we're going to keep it moving.

apple music versus spotify versus pandora, seems as if people say it's beautiful yet clunky interface and i thought the whole purpose of apple products is make life more simple, usable. scott, if you have beats, go ahead. >> they will. that's the first thing. deirdre: we're in the trial, free zone, so that's okay? >> they will. they have to. their products need to be awesome. so on the heels of the watch which i still where, i'm not sure why, it's a good watch, whatever. they got to get these things to be awesome. and they can. and they have the money if they have to go buy some exclusivity and creating the channels are like exclusivity so on xm, there's a blend and coffee house and whatever. so they're going do that too, and at the end of the day, it's going to be awesome. deirdre: and also have 800 million credit card numbers, right? which is four time the amount

that amazon has on prime. >> and know, this is probably raising the flag. they haven't had issues with hackers. maybe they they should talk to visa and ashley madison how to protect your servers. but the interesting thing about the music. it is a little clunky. i've had a few issues with it where you download a bunch of music and it's not there. deirdre: and you can't share your play list with friends as can you on spotify. >> there's a few hiccups. the thing i like about it, some of the play lists that you can listen to are curated by humans. instead of saying i like beyonce and all of a sudden you are listening to jessica simpson. you can say i like 70's disco music and you're getting all the hits from the 70s and more. >> the point is, it's apple, they have a ton of cash and resources. it's an important place for them because the devices are so musiccentric, they have to get it right, and the nuances, the

issues, they'll get it right. deirdre: speak of getting it right, the world's smallest drone is going to hit markets in september, and it's really the size, i don't know if you can tell from the video, it would fit on your fingertip. you still can't really use these. i saw one walk home in central park. you can use them as a toy, but in the u.s. banned for commercial reasons? >> makes sense considering the problems with airline pilots coming in for a landing and saying there's a drone at the end of the runway. what's going on here in the tiny drone. deirdre: as a toy it looks great. >> super cool. i see these being used to spy on your neighbors because they're less intrusive. >> it's pure toy, 35 bucks, drones need to have cameras or need to be able to deliver paper towels. [ laughter ] >> yeah, the camera is key. >> they could be dangerous if

you had a combover and were a politician. deirdre: now we're naming names! >> i got it in, didn't i? deirdre: yes. >> once you make them small and add the capability, they are useful. >> if you can get a camera on a smartphone, you can get it on this. deirdre: on the size of a quarter. brett and scott staying with me. back in a few moments. the fed meeting notes were out. they sure did move the markets down in this case. we're going to ask an expert what she makes of those comments. first google is launching a new product today that redefines wi-fi.

. deirdre: google is introducing wi-fi routers designed to be managed with a mobile app called google on. brett and scott are back with me. online wireless router compatible with the iphone systems i find interesting. >> that is unique.

they know what's going on here. deirdre: yeah. >> i think it's great. anyone who's tried to set up a wi-fi router, now you know how a horse feels when it gets kicked. you want to throw it across the room. we'll see if it pans out to be that easy. any time i hear it's super easy, you use this app to configure it, it's like how does the app connect to the wi-fi router? does it connect over the wi-fi because then it needs to work. i see there being some potential problems but i'm kind of excited about it because it seems cool. deirdre: yeah, and google, in other areas, has always said we never eavesdrop because you say if my house is bugged and open what happens next? in california they had the illegal eavesdropping case. 38 states, district of columbia, we want our wi-fi, we don't care if people eavesdrop, you get faster uploads know. >>ing you were going to talk about this, i went to google

images to look at this. the thing must have something out of the back of it. there are two cords that come out of back of this thing. fact it's meant to sit on the kitchen counter, it's not going to. i don't think we want a wi-fi device once we're done showing to our friends we have the new google, it should be a alphabet product, not a google product. google is the more interesting brand which builds on the device and on google, that's interesting. there's no question having a single light on the top of it versus all of the lights jigging and jagging, it says green, i work, that's a good thing, and we know there's a dance to happen. but this ought to be in a closet and make it more powerful so i don't have to put it in the center of my living room. >> technology like children needs to be not seen and not

heard. that didn't sound right. [ laughter ] >> don't go to brett's house! lots of kids on kik. >> that's where the kids are. deirdre: chinese company to be the we chat of the west. a canadian company, we chat, snapchat, that is the new thing. why shouldn't they make strategic investments here? >> i think it's funny that chat is a huge thing, like aol is saying -- we did this. they should have stuck with that. they had it with icq, what's telling is stuff does come and go, i get that chat makes sense because communication says the number one thing we kind of all do, and i think it's really smart on their part, on kik's part to link up with the global

powerhouse. not only do we chat on all of these services, if i have your attention, i have news and information, we're seeing that at snapchat. so it's really interesting, since the apps are incredibly simple, when the book is written on all of them, so much of it is luck, because it's like i get chat on my phone and it's simple and we saw it and a decade ago with aol and icq, to link up with strategic power makes a ton of sense for both parties. >> we like that, win-win. brett, scott, joining me there. great conversation. when we come back, a video of marco rubio going viral. how many views it's getting and why? almost, almost. making money by helping everyone to fix their home problems. we're back in just a minute. the promise of the cloud is that every organization

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. deirdre: for global investors, the fed minutes, china's recent devaluation, global effect and other areas of risk. we bring in someone who manages billion, she is the managing director at pam co. thank you for coming in. >> thank you so much. deirdre: what did you think of the fed minutes, then we'll go around the world? >> the fed minutes not much of a surprise. if you keep in mind, this meeting happened before china announced they were going to devalue their currency. and one thing to keep in mind is it's not in the mandate to worry about currency or capital markets, you can't be naive, you know they're very aware what's going to happen if they start to tighten, and all the other major central banks are

moving the other way. deirdre: they certainly are, china included as well. china devaluing currency and vietnam made a decision to devalue as well, and we're in the race to the bottom, are we not? in the currency wars, which people are calling them. >> we are looking at, that probably not in all-out war, china is the ringleader, if you will, and they have come in and said, hey, we are trying to ease a little bit but not go all-out and not be as dramatic and announced they would support currency if it weakens too much. that is important signaling. deirdre: you have $9 billion worth of responsibility. what is the most important element to you right now in the global investing environment? >> for investors one thing to keep in mind is there's nolo hanging fruit. and the one free lunch if you will that's still available to investors is diversification. and for investors who are able to look at emerging market,

your risk and reward comes together, oftentimes. an emerging market, if you are able to separate long and short opportunities. long opportunities think about companies who earn in dollar and how a lot of their expenses and local currency will benefit from the weakening of the currency, and on the short side, the other way around, company who has issued a lot in dollar terms and sell to local market or sell to china. that would be hurt. deirdre: wonderful to see you. thank you for coming in. joining us there, managing director at paamco. a start-up making money helping everyone fix home fix-it problems. we'll introduce you to the co-founder.

usaa makes me feel like i'm a car buying expert in no time at all. there was no stress. it was in and out. if i buy a car through usaa, i know i'm getting a fair price. we realized, okay, this not only could be convenient, we could save a lot of money. i was like, wow, if i could save this much, then i could actually maybe upgrade a little bit. and it was just easy.

usaa, they just really make sure that you're well taken care of. usaa car buying service. powered by truecar. online and on the usaa app. yup, we're constantly making thinkorswim better. here at td ameritrade, they're always working. like a custom screener on your desktop, that updates to all your devices. and you can share it with one click. wow. how do you find the time to do all this? easy. we combined every birthday and holiday into one celebration. (different holidays being shouted) back to work, guys! i love this times of year. for all the confidence you need. td ameritrade. you got this. deidre: everyone needs a helping hand, how do you find someone who can help? the ceo of handy. osheen rate to have you with us, how is your company

different from angie's list or anyone else that i can hassle localy to fix my lighting? >> you don't have to hassle us. deidre: excellent. >> the best delivery and experience to customers. rather than figuring out when a perch go show up, you say, i need a cleanerrer tomorrow at 9:00 a.m., and it is done. deidre: how does this differ from task rabbit. >> we check out book and flow 30 minutes before the job. you rate th person. deidre: highway are you finding these people? how do you monitor the quality of service? >> we had over a half a million

contractors at-this-point apply to join, we do rigorous background checks on every person we bring onboard, then after the job is done we collect a rating pretty much every time. deidre: where have you found the most demand. what services are most search for? >> we process over 100,000 transactions a month about 80% of this is cleans. over 100 thousand customers on subscription cleaning service where we are in their homer week, after that handy man service and ikea assembly. deidre: okay thank you for joining us ceo of handy, osheen, thank you for joining us here on "risk & reward," "making money" with charles payne starts shortly, before we turn it over a quick review of markets down across board dow down in triple digits oil at a 6 1/2 year low, biggest one day

rally for gold, as a perceived safe haven asset, a lot of fear showing up in the market. just part of what charles is going to be talking to you about in 10 seconds' time. charles: market smashed on cold rock the of reality. why are taxpayers saying -- college loans we're talking about bursting trillion dollar student lon loan bubble to buy votes. "making money" starts right n w now. what a crazy day for market, dow gets hammered right out the ,