Dan Stecich states that his is optimistic but sees a pull back at some point. Bubba bemoans the lack of volatility. Dan says that he sees growth even though some of them are service industry jobs. Bubba uses some math to say why he sees no growth. Dan counters that he does see some job growth. Bubba talks about the problems in the subprime car loan industry. Dan counters that he doesnt see a problem in the subprime car loans.Bubba states that he believes that the consumer has not benefited from low Oil prices, as much as producers have been hurt by the drop. Dan agrees with him. Bubba talks about the cost of education and Dan also agrees. Dan says that community college is a good alternative to get kids started. Bubba and Dan agree that that higher education costs need restructuring.Bubba and Dan talk about how to manage a portfolio. Bubba talks about the difference between investors and traders. Dan talks about how the media affects investing decisions. Bubba and Dan talk about the problems of overleveraging in any market and how you must keep your sights on the long run. Bubba comments on how the Fed continues to do the two steps. Dan maintains that the market should dictate how the Fed reacts and not the data.Bubba and Dan talks about the Citi call on $20 Oil. Dan criticizes the analyst about the prediction on Oil he believes he is a talking up his position. Bubba expresses his opinion about how the Dodd-Frank regulations could hurt Banks by a rising U.S. dollar. Dan disagrees, he maintains the U.S, banking system is strong and it may hurt the stock price but that it will not threaten the banking system.