new information about what the fbi has uncovered as they probe a suspected terror plot. the man at the center of the investigation has video of one of the country's busiest transportation hubs. what else we have learned after a day of questioning. and police have made an arrest in the killing of yale grad student annie le. one thing they don't have the a president himself think about it? good saturday to you, hope you're having a great one. you're watching hln news and views.

we're learning more about the questioning of najibullah zazi, a suspect in a terror plot. agents started questioning him this week following raids in new york and denver. sources tell cnn the 24-year-old had a video of new york's grand central terminal, which season average of a half million visitors per day along it's rail and subway lines and in its shops and restaurants as well. and we are hearing he made a stunning admission during questioning. jean meserve is in denver with the latest developments. >> reporter: a couple of new developments about the investigation. a spokeswoman for u-haul says the investigators searched a u-haul facility on thursday. two sources familiar with the investigation tell cnn that najibullah zazi, the 24-year-old afghan who's been at the center of this investigation had in his possession video of grand central station when he traveled to new york shortly before 9/11. that contributed to law enforcement fears, then a plot

against a transit system might be in the works. as for what's happening in denver today, zazi was scheduled to come in for a fourth day of questioning by the fbi. however we have been told he is not going to be here today. meanwhile we're getting differing republican ddiffer i ing renditions of the previous four days of questioning. zazi did admit to having ties to al qaeda. zazi's attorney tells cnn that is not the case. arthur fullsome said he did not admit to having ties to al qaeda and said that he did not attend an al qaeda training camp. zazi was allowed to go home and he was resting comfortably there. the government was exploring what charges it might be able to bring against him and said the possibility of a plea bargain was there somewhere down the road. meanwhile the attorney general of the united states, eric

holder, said in his speech that he did not bleep believe there was any imminent dangerous and that fbi in new york and in denver and in other cities were working round the clock on this matter. an intense man hunt is now underway in washington state for an escaped killer who's mentally ill. his name is phillip arnold paul, there's a picture of him. he walked away from a group of patients during a field trip to a county fair in spokane on thursday. and now state officials are facing intense criticism for allowing paul who has a violent criminal past to be on the field trip to begin with. he was convicted of admitting to killing an elderly woman back in 199 p. paul said he killed her because he thought she was a witch. president obama will host the g-20 leaders in new york next week. the summit will be a good chance for a review of what each country has done to fight the economic downturn.

he also said that though global economic conditions are stabilizing, that's not enough. >> because of the steps taken by nations and all nations cannot say that we have stopped our economic free fall. but stopping the bleeding isn't enough. our work is far from over. we still have a lot to do here at home to build an economy that's producing good jobs for all those who are looking for work today. >> and republicans are keeping you are their full-court press on president obama's health care overall plan. in a party's weekly address -- >> every family that confronts a serious illness should have access to the highest quality care, at the lowest possible cost. with no delays. replacing your current health care with a government-run system is not the answer. these so-called health care

reform bills have different names, a public option, a co-op, a trigger. make no mistake, these are all gateways to government-run health care. >> now the senate finance committee is expected to start voting tuesday on the health care proposal. the good news, water service is now back on for residents in suburban baltimore, that is after a massive water main break flooded large parts of a neighborhood there. check it out, we do mean massive. rushing water flooded waters and about 100 basements. it also caused a road to completely collapse. it knocked out power to about 1,000 homes. hundreds of those homes were still without power this morning. baltimore city officials say the water main break is part of a larger issue with failing infrastructure in many u.s. cities. we may never know why yale graduate student annie le was

killed. raymond clark ii has been arrested for murdering clark. after watching hours of surveillance tapes, they say he stood out to them. they say he was seen leaving the building looking distraught and he also came back do hide lab equipment that contained blood spatters. >> reporter: we know that he was not a student there, the suspect in this case was not a student here at yale, he was a lab technician, sort of a low man on the totem pole, taking care of laboratory rats. he reportedly according to some media reports did text her that day having to do with the condition of the cages that her mice were in. but as far as their relationship, it's really unclear, even at this point, faculty members say they

certainly saw each other in a hallway, but just how much they had to do with each other is still unclear. >> our thanks to randy kay, meanwhile police are still gathering evidence to the case. a state trooper on the scene said it was related to the murder case. clark remains in jail on $3 million bond. authorities searching the property of phillip and nancy garrido say they have found another bone. but right now they can't say if it's human or not. the couple is charged can kidnapping jaycee dugard 18 years ago. investigators are searching the garridos backyard for clues in the cases of two other girls who vanished back in the '80s. police say they have no evidence to tie the garridos to the disappearances, but they also say the garridos can't be eliminated as suspects. local media in florida are reporting authorities are

searching a pond in connection with the disappearance of haylee cummings. the search is the result of a tip police received in the case but it's not connected to the rest of hank crosiln. people living in an atlanta suburb are trying to figure out what to do about this massive sink hole. you see it here. the hole is more than 25 feet long, it is threatening several homes in the area. it opened up thursday after several days of heavy rain. as you can see, it's already taken out part of the sidewalk, the curb, the street, the hole is in a private development so the cost of filling it will fall to the homeowner's association. a judge said that katherine jackson can charge the men who -- a provision in the singer's 2002 will says that any beneficiary who contests it could lose benefits.

but a jackson family attorney says they have questions about the fitness of the two men named as executors in the singer's will. this issue could go to trial by mid-november. we learned earlier this week that jackson and her grandchildren get more than $86,000 a month from the estate. the woman who got her eyesight back thanks to one of her teeth is now back home in mississippi. yes, there was an excited welcoming home committee on hand when kay thornton returned from miami, where she had the landmark surgery, she has nine grandchildren. seven of them born after she lost their sight. thornson is the first patient to have the procedure in the u.s. doctors fashioned one of her teeth into a membrane graft and then transplanted it into a lower eyelid. pretty amize i mizmazamazing. it holds a prosthetic lens in place. this is the first time she has been able to see in nine years.

an outburst during president obama's speech to congress, protesters naming him as a socialist, a fashionist and a raci racist. - hello! - ha! why don't you try a home cooked meal... with yummy hamburger helper? oh! tada! fantastically tasty, huh? ummm, it's good. what would you guys like? hamburger helper. what?! one pound... one pan... one tasty meal! i'm just a skeptic so i don't necessarily believe that anything is going to work but i was like, hey, this actually works. (announcer) only rogaine foam is shown to regrow hair in 85% of guys. i'll check it out and i'm like, nice., (announcer) rogain foam. stop losing. start gaining. and my dog bai@íy and i love to hang out in the kitchen... so she can watch me cook. you just love the aromas of beef tenderloin... and, ooh, rotisserie chicken. yes, you do.

[ barks ] yeah. you're so special, you deserve a very special dog food. [ woman ] introducing chef michael's canine creations. the deliciously different way to serve up your love at mealtime. chef-inspired. dog-desired. chef michael's canine creations. which is why eggland's best... are the only eggs for me. in my busy kitchen, i love eggland's best... because of all the great nutrition. vitamin e, omega 3s, lutein. they're the only eggs... i make for my son. the chef. eggland's best. the better egg.

stay any 2, 3, or 4 nights between september 13th and november 22nd, and you can earn double, triple, or even quadruple points when you pay with your mastercard card. triple-a members can get even more. better values, best western. for details, visit bestwestern.com. president obama does believe his harshest critics are necessarily motivated by race. questions were raised following his health care address and congressman joe wilson screamed out to the president, "you lied." in an interview with john king says many of his predecessors came under attack mainly when they were working for change. >> in recent weeks people have changed some pretty serious questions, there was a big rally in town talking about anti-socialism, swas tickers with your name and picture on

them. former president carter says he sees racism in some of this. do you? >> you know, as i have said in the past, you know, are there people out there who don't like me because of race? i'm sure there are. that's not the overriding issue here. i think there are people who are anti-government, i think there are -- there's been a long standing debate in this country that is usually that much more fierce during times of transition, or when presidents are trying to bring about big changes. i mean the things that were said about fdr, are pretty similar to the things that were said about me, he was a communist, he was a socialist. things were said about ronald reagan when he was trying to reverse some of the new deal programs.

were pretty vicious as well. >> the president feel had simi questions from other networks. republican who is may run for president in three years are addressing a gathering of christian conservative activists called the values voter summit. former governor mike huckabee, former governor mitt romney, former house speaker newt gingrich, former senator rick santorum and tim valenti have put in appearances there. former alaska governor sarah palin is not there. organizers did invite her, but she described, reportedly because her son is returning from duty in iraq this weekend. former ms. california usa carrie prejean says there's a bigger crowned in heaven waiting

for her. this week the white house relieved a plan to approve the way it manages all oceans, coasts and great lakes, it is based on investigations from a task force. one member says it is critical to have a single body oversee ocean policies ranging from everything from national security, shipping issues, conservation as well. the panel's recommendations include a national ocean council to coordinate issues surrounding the nation's water ways. ahoy, it is international talk like a pirate day again. you will find some help to really understand pirate speak. you can add maty at the end of your sentences and you can randomly say arrrr. we have an interactive quiz to see how you really understand pirate speak. check out cnn.com/living.

a race of superpythons may be breeding in the florida swamp. two nonnative breeds are being illegally released into the swamps way too often and as african pythons breed, they could be big enough to prey on humans. florida has started a bounty hunt this summer. 18 snakes so far have been captured. if you're an unemployed sales and marketing person, what do you do? a florida couples pays big bucks to land a huge student. -- opportunity. it's what doct most for headaches.

for arthritis pain... in your hands... knees... and back. for little bodies with fevers.. and big bodies on high blood pressure medicine. tylenol works with your body... in a way other pain relievers don't... so you feel better... knowing doctors recommend tylenol... more than any other brand of pain reliever. [ telephone rings ] [ ring ] [ "catch the wind" plalays ] what is the sign of a good decision? in the world of personal finance,

it's massmutual. find strength and stability in a company that's owned by its policyholders. ask your advisor or visit massmutual.com. look closely at this video out of mexico city. people are crowded in that subway station. you see it there. then shots ring out, leaving a bank police officer and a federal security agent dead. the trouble reportedly started when police tried to stop a man from writing graffiti. there is the alleged gunman. a prosecutor says the man broke free and began shooting, then took cover on the train and kept fires. police arrested him several moments later. five people were wounded in this shooting. germany's raised it's terrorism alert level because of a new threat from al qaeda. germany's government says this, that it's increasing security measures especially at airports and train stations.

it says a new video released by al qaeda yesterday suggests the group will hit germany if its upcoming elections don't go the way it wants. the video didn't say which political party should win. but the video says, quote, if the german people decide to continue this war, they have sealed their fate. would you pay $5,000 just to look for a job? well, that is how much a sacramento man and his fiance spent to put up this massive hire me billboard. it directs potential employers to their website. david daves figures with 100,000 people driving by that billboard every day, he's bound to get noticed. >> it's only going to take one person high up in the business either private or public that wants a good manager. >> this marketing strategy has already generated a couple of calls. daves hopes one of them will land him a new job.

more than 10 million american households know just how challenging it can be. we're talking about living without a car. well a woman in the tampa area is helping put hundreds of low income working families behind the wheel and on the road to independence. susan jacobs is this week's cnn hero. >> i'm a single mom. not having a car means i have to take three busses every morning. i also depend on a friend of mine to get my kids to day care because of the way the busses run, i'm unable to do it and get to work on time. >> i know what it's like to have the fear of losing my job because i can't get to work. i was hitchhiking. it didn't last long because of the kindness, actually, of a stranger. he said, i'll let you use one of my vehicles. he was put in my path to help me move forward and made me realize i could make it. i'm susan jacobs and i provide working wheels to keep families working.

our goal is to try to step in to work with employers so that before they lay someone off, hopefully we have a solution. we started taking donated cars and doing repairs. you pay a monthly payment for a year, based on a sliding scale and also give volunteer hours month back to to the organization. >> i thank you so much. >> you're welcome. >> receiving a car is more than just a car. people literally see how their life's going to change. >> this is ah smchlt. >> i got my own car. >> i love what i do. my life has made a difference. >> it certainly has. and to find out more about susan's amazing work and our other heroes, go to cnn.com/heroes. and on october 1, we'll announce the top ten heroes of 2009.

(announcer) if you think all batteries are the same, consider this: when a tornado tore through holly, colorado, air life denver took to the air... their night-vision goggles keeping them safe on a perilous flight... and powering those precision goggles--- is the only battery air life trusts: duracell. trusted everywhere. look for new duracell ultra advanced now with even more power to protect. need a lift? hey buddy, i appreciate the ride, you know. no problem. ♪ mind if i take a shortcut? yeah, sure. ♪ i knew the subaru legacy was the smart choice...

what i didn't expect... was the fun. the all-new subaru legacy. feel the love. the all-new subaru legacy. upbeat rock ♪ so i could hear myself myseas a ringtone ♪hone ♪ ♪ who knew the store would go and check my credit score ♪ ♪ now all they let me have is this dinosaur ♪ ♪ hello hello hello can anybody hear me? ♪ ♪ i know i know i know i shoulda gone to ♪ ♪ free credit report dot com! ♪ that's where i shoulda gone! coulda got my knowledge on! ♪ ♪ vo: free credit score and report with enrollment in triple advantage. kelly saunder's nature valley. ♪ the place that inspires her to go faster... ♪ and slower. ♪

elk mountains, colorado. where's yours? 100% natural nature valley granola bars. the taste nature intended.

new information about what the fbi has uncovered as it probes a suspected terror plot. the man at the center of the investigation had video of one of the country's busiest transportation hub, what have we learned after his fourth day of questioning? and the police have completed his questioning of the suspect in the murder of yale university student annie le. what does the president himself think about it? good saturday to you, hope you're having a great one. you're watching hln, news and

views. we're learning more about the questioning of najibullah zazi, a suspect in a terror plot. agents started questioning him this week following raids in new york and denver. sources tell cnn the 24-year-old had a video of new york's grand central terminal, which sees an average of a hall million visitors per day along it's rail and subway lines and in its shops and restaurants as well. and we are hearing he made a stunning admission during questioning. jean meserve is in denver with the latest developments. first a couple of new sources of information. a spokesperson for u-haul. in addition two sources familiar with the investigation tell cnn that najibullah zazi, the 24-year-old afghan who's been at the center of this investigation had in his possession video of grand central station when he traveled to new york shortly before 9/11. that contributed to law enforcement fears that a plot

against a transit system might be in the works. now as to what's happening here in denver today, zazi was scheduled to come in for a fourth day of questioning by the fbi, however we have been told that he is not going to be here today. meanwhile we're getting differing renditions of what happened in the previous three days of questioning. an administration official familiar with the matter tells cnn that zazi did admit to having ties with al qaeda. however, zazi's attorney tells cnn, however that is not the case. arthur folsom says that he did not have ties to al qaeda and that he did not attend an al qaeda training camp. zazi was allowed to go home last night. and according to his attorney he was resting comfortably there. the possibility of a plea bargain was there somewhere down the road. meanwhile, the attorney general of the united states, eric holder, said in his speech that

he did not believe there was any imminent danger and that fbi agents in new york, in denver and the other cities were working round the clock on this matter. jean meserve, cnn, denver, colorado. a man hunt is underway for a man who is mentally ill. he walked away from a field trip to spokane's county fair on thursday. now officials are facing intense criticism for allowing paul, who has a violent criminal past to be on the field trip to begin with. he was committed to a mental hospital after he admitted to killing an elderly woman back in 1997. paul said he killed her because he thought she was a witch. president obama will host the g-20 leaders next week. the summit will be a good chance for a review of what each country has done to fight the economic downturn. he also said that although

global economic conditions are stabilizing, that is not enough. >> because of the steps taken by our nation and all nations, we can now say that we have stopped our economic free fall. but we also know that stopping the bleeding isn't nearly enough. our work is far from over. we still have a lot to do here at home to build an economy that's producing good jobs for all those who are looking for work today. >> and republicans are keeping up their full-court press on president obama's health care overall plan. in a party's weekly address, congresswoman sue my rerks ick said the president's plan would ultimately lead to something that democrats don't want. >> every family who confronts a serious illness should have access to the highest quality care at the lowest possible cost, with no delays. replacing your current health care with a government-run system is not the answer. these so-called health care reform bills have different

names, a public option, a co-op, a trigger. make no mistake, these are all gateways to government-run health care. now the senate finance committee is expected to start voting tuesday on the health care proposal. the good news, water service is now back on for residents in suburban baltimore, that is after a massive water main break flooded large parts of a neighborhood there, check it out. we do mean massive. rushing water sub meshmerges ca flooded out 100 basements, it also caused a road to completely collapse. knocked out power to 1,000 homes. hundreds of homes were still without power this morning. baltimore city officials say the water main break is part of a larger issue with failing infrastructure in many u.s. cities. we may never know why yale graduate student annie le was

killed. the police chief says that unless the suspect confesses or it comes out in trial, we may never know what happened in that research lab. local media is reporting that investigators were suspicious about clark even after le's body was found. after watching hours of surveillance tapes, he stood out to them. he came back to hide and clean lab equipment found to contain blood spatters. randy kay is covering the case. >> reporter: we know that he was not a student here at yale. he was a lab technician, sort of a low man on the totem pole, keeping track of the animals that annie le and her team were doing for research. she was doing diabetes and cancer research. he reportedly did text her that day having to do with the condition of the cages that her mice were in. but as far as their relationship, it's really unclear even at this point.

faculty members remember seeing him in the hallway, but just how much they had to do with each is still unclear. >> meanwhile police are still gathering evidence in the case, a car was towed from a motel room that clark was staying before the arrest. authorities searching the property of phillip and nancy garrido say they have found another bone. but right now they can't say if it's human or not. the couple is charged with kidnapping jaycee dugard 18 years ago. investigators are searching the garrido's backyard for clues to cases of missing girls in the '80s. the garridos can't be eliminated as suspects. there is a new development in the search for a missing florida girl. local media in florida are reporting authorities are searching a pond in connection to the disappearance of haylee

cummings. the reports say the search is the result of a tip the police received in the case, but that it's not connected, not connected to the arrest of hank croslin jr. people living in an atlanta suburb are trying to figure out what to do about this massive sink hole. you see it here. the hole is more than 25 feet long, it is threatening several homes in the area. it opened up thursday after several days of heavy rain. as you can see, it's already taken out part of the sidewalk, the curb, the street. the hole is in a private development, so the cost of filling it will fall to the homeowner's association. a judge said katherine jackson can challenge the men who control her son's estate without having to risk losing it all. a proskrigs in the singer's 2002 will says any beneficiary who

contests it can lose benefits. but jackson's family attorney says they have questions about the fitness of the two men named as executors in the singer's will. we learned earlier this week that jackson and her grandchildren get more than $86,000 a month from the estate. the woman who got her eyesight back, thanks to one of her teeth is now back home in mississippi. yes, there was an excited welcoming home committee on hand when kay thornton returned home from miami, where she had the landmark surgery. she has nine grandchildren, seven of them born after she lost her sight. thornson is the first patient to have the procedure in the u.s. doctors fashioned one of her teeth into a membrane graft and then transplanted it into a lower eyelid. pretty amazing. it holds a prosthetic lens in place and allows her to see for the first time in nine years.

sh an outburst during president obama's speech to congress. protesters labeling him a fascist and not an american. you'll hear how the president answers that question on hln news and views. ever worn your clothes in the shower? if you're using other moisturizing body washes, you might as well be. you see, their moisturizer sits on top of skin, almost as if you're wearing it. only new dove deep moisture has nutriummoisture, a breakthrough formula with natural moisturizers... that can nourish deep down. it's the most effective natural nourishment ever. new dove deep moisture with nutriummoisture. superior natural nourishment for your skin.

of the world's most revered luxury sedan. this is a history of over 50,000 crash-tested cars... and 889 safety patents. this is the world record for longevity and endurance. and one of the most technologically advanced automobiles on the planet. this is the 9th generation e-class. this is mercedes-benz.

should we order nda blossom, panda moon... how about chinese at home with new wanchai ferry?, you can make it in just 14 minutes mmmh, orange chicken. great. i didn't feel like going out anyway (announcer) wanchai ferry. restaurant quality chinese your ocer's eezer president obama doesn't believe his harshest critics are necessarily motivated by race. questions were raised about that issue following his health care address in which congressman joe wilson, as you know, screamed out to the president "you lied." in an interview with john king,

the president says that many of his predecessors came under attack when they were working for change. >> in meantime weeks, joe -- you lie shouted at you during a nationally televised address and former president carter says he sees racism in some of this. do you? >> you know, as i have said in the past, you know, are there people out there who don't like me because of race? i'm sure there are. that's not the overriding issue here. i think there are people who are anti-government, i think, there are -- there's been a long standing debate in this country that is usually that much more fierce during times of transition. or when presidents are trying to bring about big changes. i mean the things that were said about fdr are pretty similar to

the things that are said about me, he was a communist, he was a socialist. things that were said about ronald reagan when he was trying to reverse some of the new deal programs were pretty vicious as well. >> the president fielded similar questions from other networks during a flurry of interviews for tomorrow's sunday morning talk shows. and on monday, president obama will appear on the late show with david letterman. republican who is may run for president in three years are addressing a gathering of christian conservative activists called the values summit. former governor mike huckaby, former governor mitt romney, former senator newt gingrich and tim valenti have put in appearances there. former alaska governor sarah palin was not there. she was invited but she designed reportedly because her son is

returning from duty in iraq this weekend. carr yrie preongot a warm welcome this weekend. this week the white house released a plan to improve the way it manages all oceans, coasts and great lakes. it is based on recommendations from a task force. now one member of the group says it is crucial to have a single body overseaing ocean policies, ranging from everything to national security, also shipping issues, conservation as well. the panel's recommendations include creating a national council on the nation's water ways. the council will replace a council set up by president bush back in 2004. we're still looking at quite a bit of messy weather across the deep south, and in one of the bull's-eye areas is right across the north central region of alabama. in some cases, it looks like our

computer models are suggesting between five and ten inches of rain. temperature wise, readings are a little bit below normal across the deep south. but look at this, billings, montana, cody, wyoming, minot, minnesota, expecting temperatures five to 15 degrees above where they should be for this time of year. and starting into sunday, we'll start to see an offshore flow across the west coast. and as a result, it looks like a fire danger is going to be increasing as that high pressure builds in and those winds blow offshore, in the meantime, this area of low pressure just kind of stuck in place, at least for the next 24 to 36 hours, and then another weather system comes in and re-enforces that already wet weather situation. for hln, i'm meteorologist karen mcginnis. ahoy, it is time for international talk like a pirate day. want to embrace your inner buccaneer?

if you, head to our website. you can really understand pirate speak, you can add maty, to the end of your sentences and you can say arrrr. we have an interactive quiz to see how you really understand pirate speak. check out cnn.com/living. a race of man easting pythons could be brewing in the florida everglades. scientists are actually worried it's really working. two nonnative breeds are being illegally released into the swamps way too often. and as african pythons breed with burmese pythons, the result could be a breed of snakes big enough to prey on humans. the population of snakes in the everglades as exploded so fast, there was a bounty hunt this summer. if you are an unemployed sales and marketing person, what do you do? you sell yourself. a couple pays big bucks to try to land a huge opportunity.

ring ring ring ring

progresso. hi. we love your weight watchers endorsed soups but my husband looks the way he did 20 years ago. well that's great. you haven't seen him... my other can is ringing. progresso. hey can you tell my wife to relax and enjoy the view? (announcer) progresso. you gotta taste this soup. look closely at this video out of mexico city, people are

crowded in that subway station, you see it there. then shots rang out leaving a bank police officer and a federal security agent dead. the trouble reportedly started when police tried to stop a man from writing alleged gunman. a prosecutors says the man broke free and began shooting then took cover on the train and kept firing. police arrested him several moments later. five people were wounded in this shooting. germany's raised its terrorism alert level because of a new threat from al qaeda. germany's government says that it's increasing security measures, especially at airports and train stations. it says a new video released by al qaeda yesterday suggests the group will hit germany's upcoming elections don't go the way it wants. some political parties in germ 93 want to pull german troops out of afghanistan. the video didn't say which political party should win but the video says "if the german people decide to continue this war they have sealed their fate." would you pay $5,000 just to

look for a job? that is how much a sacramento man and his fiance spent to put up this massive "hire me" billboard. it directs potential employers to their website. david figures with 100,000 cars driving by that billboard every day he's bound to get noticed. >> it's going to take only one person high up in a business that wants a good manager. >> this marketing strategy has already generated a couple of calls. dave hopes one of them will land him a flew job. looks like the jobs market took another big hit last month. the labor department says 42 states had net job losses in august. that is up from 29 in july. at least six states had their jobless rates fall but mostly because people gave up their job searches. that doesn't seem to be weighing on wall street too much. stocks ended higher again yesterday. great news there. the dow jones ended the day up 36 points. the broader indexes also posted

gains. do you ever wonder all of those people spending all those hours talking into all these cell phones? do you wonder if they're putting their lives in danger? find out why a new study is find out why a new study is raising the issue again. big deal. you're delicious. so what. i've got news for you., there's no such thing... ...as a bear sheriff. you think i'm afraid of you? hey what? you don't have to be mean to the cake. i do. you don't. i do. just eat yoplait light. they have great flavors like..., boston cream pie, raspberry cheesecake., even though i work here, i've lost weight. wow. yeah. carry on. (announcer) 28 delicious flavors at around 100 calories each.

at bank of america, we take our obligations extraordinarily seriously. we have many traditional savings products for our customers as well as products, that you will not see anywhere else., we encourage our customers to use the website because there are so many great features. by doing add it up, you get discounts on your purchase. you know, the greatest program we have right now, is the keep the change. keep the change gives customers the opportunity, to save in a different kind of way when they use their debit card - at no cost., it's free. my favorite product that we have is actually online banking. you can actually set up alerts to be sent to your email address or it could be sent to your cell phone. it gives peace of mind, saves time, saves money., to me,t all comes down, to making my customers feel comfortable. i see a renewed interest and need, frankly, for those simple things that ultimately really matter,

both to your families as well as to your financial health. let's see what we can do with that, and how we can help you grow in to your future.

police have arrested a suspect in the killing of yale grad student annie le. one thing they still don't have is a motive. why they say we may never know what led to her death. the politics of race. some say i'm a major factor in the criticism president obama has gotten lately but what does the president himself think about this? also, christian conservatives gather at the values voters summit in washington. among the speakers, politicians with their eye on the 2012 presidency. this is hln "news and views" for saturday, september 19th. here's what we're following. four people are dead and a suspect is under arrest after a

killing near a university in virginia. four bodies were found in a home near the campus of longwood university. that's in farmville. it happened yesterday. that's about 50 miles west of richmond. police have arrested 20-year-old richard mccorski, talking at the richmond airport apparently trying to get on a flight to california. he is charged with murder, robbery and grand larceny. no word yet on the identities of the four victims or the cause of death. an intense manhunt is under way in washington state for an escaped killer who is mentally ill. his name is philip arnold paul. there's a picture of him. he walked away from a group of patients during a field trip to a county fair in spokane on thursday. and now state officials are facing intense criticism for allowing paul, who has a violent criminal past, to be on the field trip to begin with. he was committed to a mental hospital after he admitted to killing an elderly woman in 1987. paul, who is schizophrenic, says he killed her because he thought

she was a witch. we may never know why yale graduate student annie le was killed. new haven's police chief says unless the suspect confesses or it comes out at trial, it is not clear what happened in that school research lab. raymond clark iii is charged with murdering le. local media is reporting investigators were suspicious about clark even before le's body was found. after watching hours of surveillance tape they say he stood out to them. they say he was lien leaving the building looking distraught and also came back to clean and hide lab equipment later found to contain blood spatters. cnn's randi kaye is covering the case. >> reporter: we know he was not a student there. the suspect in this case was not a student at yale. he was a lab technician, the low man on the totem pole, keeping track of the animals that annie le, the victim in this case, and her team was using for research, diabetes and cancer research. he reportedly did text her that

day having to do with the condition of the cages that her mice were in. as far as their relationship, it's really unclear even at this point, faculty members say they saw each other in the hol way but how much they had to do with each other is still unclear. >> thanks to randi kaye. police are still gathering evidence in the case. a car was towed friday night from the motel clark was staying in before his arrest. a state troop over the scene said it was related to the murder case. clark remains in jail on $3 million bond. tonight on hln "news and views," a neighbor of the yale murder suspect is speaking out. what will she say about the personality and daily activities of raymond clark who is now behind bars for allegedly strangling annie le and hiding her body behind a lab basement wall? nancy grace has the latest breaking developments 8:00 and 10:00 p.m. eastern. authorities searching the property of philip and nancy garrido say they have found

another bone. right now they can't say if it's human or not. the couple is charged with kidnapping jaycee dugard 18 years ago. investigators are searching the backyard for possible clues in the disappearance of two other girls who vanished in the late '80s. police say they have no evidence tying the garridos right now to the other disappearances but they also say the garridos can't be eliminated aspects. as suspects. a new development in a search for a missing florida girl. local media in florida say police are searching a pond in connection with hey lee cummings. the tip is not connected to the arrest of hank crosslin jr. crosslin's sister misty was with her the night she disappeared. republicans who might be running in three years are addressing a gathering called

the values voter summit. the session will also see the first straw poll of the 2012 presidential campaign. former governor mike when uk kaby, mitt romney, newt gingrich, rick santorum and tim pawlenty have put in appearances there. sarah palin is not there. organizers did invite her but she declined, reportedly because her son is returning from duty in iraq this weekend. former miss california usa carrie prejean got a warm welcome from the conservative crowd. she claims her opposition to same-sex marriage cost her the title but she says she believes there's a bigger crown in heaven waiting for her. the conservative values voters summit is looking at health care reform this weekend and house republican leader john boehner is attending the meeting. he says the nationwide tea parties represent a pushback against government spending. the congressman told our sister network cnn he does support change in health care but conservatives have their own plan.

>> there's two problems with our current system. it costs too much and not all americans have access to hi-quality health insurance. on the cost side we think the medical malpractice reforms and the defensive medicine that doctors have to practice as a result would save about $125 billion a year, according to price waterhouse coopers. we should do that. every health insurance company, medicare, medicaid ought to be locked in a room and come up with one claim form for all the providers. $40 billion to $50 billion a year more in efficiencies. then you begin to save money you could use to help people with pre-existing conditions, help the working poor, and those in their 30s, to be able to afford better health insurance. president obama doesn't believe that his harshest critics are necessarily motivated by race. questions about raised about that issue following his health care address in which congressman joe wilson as you know screamed out to the

president "you lie." in an interview with john king of our sister network cnn the president says many of his predecessors came under harsh attacks mainly when they were working for change. >> as i've said in the past, are there people out there who don't like me because of race? i'm sure there are. that's not the overriding issue here. i think there are people who are anti-governme anti-government. i think that there are -- there's been a long-standing debate in this country that is usually that much more fierce during times of transition. where when presidents are about to bring about big changes. the things that were said about fdr, pretty similar to the things that are said about me. that he's a communist, a socialist. things said about ronald reagan when he was trying to reverse some of the new deal programs.

were pretty vicious as well. >> the president fielded similar questions from other networks during a flurry of interviews for tomorrow's sunday morning talk shows. the good news, water service is now back on for residents in suburban baltimore. that is after a massive water main break flooded large parts of a neighborhood there. check it out. we do mean massive. rushing water submerge cars, flooded about 100 basements. it also caused a road to completely collapse. knocked out power to about 1,000 homes. hundreds of them were still without power as of this morning. a real mess. it took about two hours to get the water shut off. bamt more city officials say the water main break is part of a larger issue with failing infrastructure in many u.s. cities. people living in an atlanta suburb are trying to figure out what to do about this massive sink hole. you see it here. the hole is more than 25 feet long. it is threatening several homes in the area. it opened up thursday after

several days of heavy rain. as you can see it's already taken out part of the sidewalk, curb, street. the hole is in a private development so the cost of filling it will fall to the homeowners' association. we're still looking at quite a bit of messy weather across the deep south. and one of the bull's-eye areas is right across this north-central region of alabama. in some cases it looks like our computer models are suggesting between five and ten inches of rain. temperature-wise, readings are a little bit below normal across the deep south. look at this, billings, montana. cody, wyoming. hi minot, minnesota. temperatures 5 to 15 ges above where they should be this time of year. starting into sunday we'll start to see an offshore flow across the west coast. and as a result, looks like our fire danger is going to be increasing as that high pressure builds in and those winds blow offshore.

in the meantime, this area of low pressure just kind of stuck in place. at least for the next 24 to 36 hours. then another weather system comes in and reinforces an already wet weather situation. humans have always been fascinated with the unknown. so it's no surprise these images right here have the internet buzzing. what folks are staying this might be. yep. four tasty new soups with 28% of your daily fiber. but i like this chicken tuscany., i like it too. but it has fiber in it. that's right. fiber? yeah. but i like it. (announcer) progresso. you gotta taste this soup. so, at national, i go right past the counter... and you get to choose any car in the aisle. choose any car? you cannot be serious! okay. seriously, you choose. go national. go like a pro. as the decades have past, the promise of medicare has always been there. and aarp has fought to guarantee

none of the benefits you earned were ever taken away. today we're continuing that fight by protecting your freedom to choose the doctors and treatments you need. and to have your tax dollars go towards your care-- not insurance company p) subsidies. you've done your work. and we'll keep doing ours. learn more at aarp.org. you've done your work. and we'll keep doing ours. it's not always easy living with copd, but i try not to let it hold me back... whether i'm at the batting cages... down by the lake or... fishing at the shore. i'm breathing better... with spiriva. announcer: spiriva is the only once-daily inhaled maintenance treatment for both forms of copd, which includes chronic bronchitis and emphysema. i take it every day. it keeps my airways open... to help me breathe better all day long. and it's not a steroid. announcer: spiriva does not replace fast-acting inhalers for sudden symptoms. stop taking spiriva and call your doctor if your breathing suddenly worsens, your throat or tongue swells, you get hives,

or have vision changes or eye pain. tell your doctor if you have glaucoma, problems passing urine or an enlarged prostate, as these may worsen with spiriva. also discuss the medicines you take, even eye drops. side effects may include dry mouth, constipation and troublpassing urine. my doctor said i could be doing more to breathe better and now i am. announcer: ask your doctor about lifestyle changes and once-daily spiriva. the internet is buzzing over a mysterious four-legged something in panama. it's been the most popular video on our website today. these images right here are sure to have you asking, what is that thing? no one has managed it out yet, although animal experts are taking a very close look. four kids say they encountered this thing at the opening of cave in the forest if you can imagine. some people think it looks like an alien. others theorize it's an animal,

perhaps a sloth that lost its hair. it's the popularity of legends like big foot are any indication, this thing right here could be talked about for a very long time. when you surf the internet it's safe to say you want to surf the whole internet. federal regulators are reportedly preparing new rules to make sure you can do that. the chairman of the s.e.c. will reportedly unveil them on monday. the proposals will prohibit internet service providers, including wireless companies, from blocking or slowing down your access to selected online content. for example, if a cable company offers internet service it won't be allowed to block websites that provide videos of the programming on its tv channels. the telecommunications industry strongly opposes so-called net neutrality rules. what would you pay for an art lesson from a world renowned painter? you can get one free at ireport.com. contributor chris morris spoke to mural artist wylan.

it's getting such a positive response we wanted to share it with you. >> hi, this is wyland right here at my little studio in southern california and i am going to show you how i do sumi art in painting. we're going to paint a beautiful green sea turtle. with a few lines, a beautiful turtle comes to life. the idea with this style of art, which is japanese sumi painting, is that the artist starts the painting and a viewer finishing it. here's the head of a beautiful turtle. which turtles are one of my favorite animals. you can see the head of the turtle start to appear. there we go, beautiful. i'll grab a little ink right here. and then we'll just be real bold. just imagine a turtle swimming in front of you. that's what you want to do. so imagine this beautiful turtle swimming right in front of you. beautiful. looking good.

>> he makes it look easy, doesn't he if there's more of this lesson. you can see it on ireport.com. the comments on the video use words like terrific, cool, amazing artistry. thanks to wyland for sharing his talent and chris morrow for bringing it to us. when you have images of breaking news or cool stories from your part of the world you want to share with us go to ireport.com. click on the upload now link for easy instructions. wait a moment who got her eyesight back thanks to one of her teeth is back home in mississippi. yes, there was an excited welcoming home economy on hand when kate thornton returned from might have where she had the landmark surgery. she has nine grandchildren, seven of them born after she lost her sight. thornton is the first patient to have the procedure in the u.s. now, doctors fashioned one of her teeth into a membrane graft, then transplanted it into her lower eyelid. pretty amazing. it holds a prosthetic lens in

place and allows her to see for the first time in nine years. she will be back in miami for a checkup in a couple of weeks. president barack obama may have reduced the threat of a missile attack on eastern europe by canceling a plan to protect the region from just such an attack.he find out why on "news and views." fueling an exhilarating adventure. each entree is bursting with high-quality protein... plus wholesome grain and garden greens. specially formulated to promote hairball control... and healthy weight. friskies indoor wet cat food. feed the senses. now turn treat time into party time... with friskies party mix cat treats. get the party started!

president obama will host the g-20 leaders in pittsburgh next week. if his weekly address the president said the summit will be a good chance for a review of what each country has done to

fight the economic down turn. he also said although global economic conditions are stabilizing, that is not enough. >> because of the steps taken by our nations and all nations we can now say that we've stopped our economic freefall. but we also know that stopping the bleeding isn't nearly enough. our work is far from over. we know we still have a lot to do here at home to build an economy that's producing good jobs for all those who are looking for work today. >> and republicans are keeping up their full court press on president obama's health care overhaul plan. in their party's weekly address congresswoman sue myrick said the president's plan ultimately will lead to something taxpayers don't want. >> every family that confronts a serious illness should have access to the highest quality care at the lowest possible cost. with no delays. replacing your current health care with a government-run system is not the answer.

these so-called health care reform bills have different names. a public option. a co-op. a trigger. make no mistake, these are all gateways to government-run health care. >> now, the senate finance committee is expected to start voting tuesday on a health care proposal. a man identified as the leader of the taliban is urging the u.s. and its allies to brush up on the history of afghanistan. the message purported by from mullah omar points to the many times afghanistan has been invaded. every time, the invaders left in defeat. the message was released to coincide with a muslim holy day. next month marks the eighth anniversary of the u.s.-led invasion. the identity of the speaker has not been independently confirmed. germany's raised its terrorism alert level because of a new threat from al qaeda. germany's government says this, that it's increasing security measures, especially at airports and train stations.

it says a new video released by al qaeda yesterday suggests the group will hit germany's upcoming elections don't go the way it wants. some political parties in germany want to pull german troops out of afghanistan. the video didn't say which political party should win but the video says, "if the german people decide to continue this war they have sealed their fate." now that the u.s. isn't putting a new missile system in poland and the czech republic, russia is scrapping plans for a new missile system on its western border. earlier this week president obama cancelled a busch-era effort to base a missile defense system in eastern europe. russia had threatened to fortify its border with poland using short-range missiles. the deputy defense minister says that system months longer necessary. this week the white house released a plan to improve the way it manages oceans, coasts and great lakes based on recommendations from a task force. one member of the group says it

is crucial to have a single body overseeing ocean policies ranging from everything from national security, also shipping issues, conservation as well. the panel's recommendations include creating a national ocean council to coordinate issues surrounding the nation's water ways. the council will replace a committee set up by president bush pack in 2004. everybody wants to save more and spend less. we have just the guy to help you out. join clark howard at 4:00 p.m. eastern. he will show you ways to do that, to save more, spend less, and avoid getting ripped off. "the clark howard show" 4:00 p.m. eastern on hln. tonight "showbiz tonight this weekend," despising jon goslin. the explosive reaction to "showbiz tonight's" exclusive one on one with the other kate. why are kate major's claims about her romantic fling sparking such a firestorm? dramatic new jon and kate developments tonight on tv's most provocative entertainment

news show, 11:00 eastern p.m. and pa phil mickels and pacific. cbs pulled the plug on "guiding light." we'll look back on a soap opera that survived decades of births, deaths, tv scandals, even a cloning. the flowers are blooming. the air is sweet. and zyrtec® starts... relieving my allergies... 2 hours faster than claritin®. my worst symptoms feel better, indoors and outdoors. with zyrtec®, the fastest... 24-hour allergy medicine, i promise not to wait as long to go for our ride. zyrtec® works fast, so i can love the air™. progresso. we have a bit of a bad connection. oh hang on. is that better? much better. we love your weight watchers endorsed soups but my husband looks the way he did 20 years ago. well that's great. but he's wearing the clothes he wore 20 years ago too. oh....

i know the neighbors are talking about him. i'm sorry, can you hang on. my other can is ringing. please hurry back. ring ring ring ring progresso hey can you tell my wife to relax and enjoy the view? it's him. (announcer) progresso. you gotta taste this soup.

i'm gerri willis and this is "your bottom line," the show that sifs you money. the very latest in health care reform. what the proposals would really mean to your bottom line. plus breaking out the truth-o-meter. winterizing your home. it's not too early to get ready for cold weather ahead and save big money. when to financially bail out your kid on campus. when it's appropriate and when they should go it alone. "your bottom line" starts right now. it's been one year since the collapse of lehman brothers which helped push the economy into a tailspin.

for so many of us this year has seemed endless but some good has come out of all of it. lessons learned about spending, saving, what we need to work on when it comes to personal finances. here to help us, ryan mack is the president of optimum capital management, and lynnette cox is the author of "zorro debt." welcome to both of you. i want to start with you, what are the lessons we've learned here, do you think? >> i think one thing that is we can't take risks that we shouldn't be taking, obviously, whether it's overextending yourself with credit and debt, leverage as they say on wall street. clearly for consumers i think one of the big lessons that i'm glad to see we've learned is that we've got to save, we've got to get back to basics. and we're seeing that reflected in numbers. people are, in fact, saving more. after so many years where the savings rate was flat to negative. that's a good thing. >> that's definitely a good thing. ryan, what would you say? >> definitely savings is one of the key issues. when individuals say emergency fund and making sure it's that

much more important. 9.7% unemployment, people losing jobs, six to nine months of living expenses is imperative. if it costs $2,000 to support yourself in a given month, you need to save $12,000. make mole hills from mountains. save $1,000 12 times and divide it up and make sure to get that emergency savings fund. >> take small steps to eventually get to your goal. >> exactly. >> i think though there are still lessons we probably haven't learned and we're still struggling with that. one of them has to be about credit cards and credit scoring. and this is still such a tough topic for so many people. lynnette, what would you say about credit scoring? this is a mystery to so many people. >> right. i think that consumers haven't yet gotten used to the fact that we're in an entirely new credit landscape. i think this is going to be a changed environment for years if not decades to come. so one of the things i think people need to do is to recognize that, yes, we're in this short-term period where banks are raising interest

rates, tacking on additional fees, slashing credit lines. but you need to be vigilant about every aspect of your credit. every single transaction what is i'm telling people. every single transaction counts. pay that library bill on time. pay those student loans and mortgages and credit cards, et cetera. don't for get about the cell phone, utility bill. you don't want something seemingly small to ding your credit rating and hurt you down the road. >> pulling in credit lines, raising interest rates. this is hurting a lot of people, people who want to start their own business and maybe finance it by credit cards. i want to talk about 401(k)s. i want to show people some numbers. folks out there some numbers about what's going on with 401 ks. we've had a rebound this year. on average, 401(k)s up about 12% this year. it's cold comfort for people who had such major losses last year. what do you say to people trying desperately to save for retirement right now?

>> in your 401 plan it's crucial to understand, dollar cost averaging is crucial. those individuals who bailed out in january, february, even all the way up until march, thinking that they would try to time market, they've missed almost 54% return on the s&p 500 on the way back down. so those individuals who bailed out, they now know the difference between real and paper losses. they actually locked in some of those losses. so have a long-term strategy. make sure you're allocating your assets appropriately. if you're 25 and maybe you might have a 90% stock, 10% bond allocation. if you're 55, that shouldn't be necessarily the allocation that's appropriate for you. so looking at your 401(k) at least once a year to make sure you have the appropriate asset allocation moving forward is the best thing to do. >> wind fall opportunity for first-time home wires to buy but people will make mistakes overbuying. >> if you can sneak in there and take advantage of that $8,000 tax yet before december 1st, by all means do so, close on

mortgages if you're close to doing that. realize that it's not just about principal, interest, taxes and insurance. so many homeowners think, i can afford the mortgages and these are the costs i have to pay. think long-term about maintenance, repairs, upkeep, decorations, furnishings. all those things contribute to the overall cost of owning a home. don't just be taken in by the fact that i'm going to have to pay x amount of principal and interest for the loan. >> cautionary words about that tax credit, what would you say? >> make sure the driving decision in all our decisions is not because we're getting a tax credit, not because we're getting a tax deduction on the interest on our homes, but that we actually want to buy homes. have we researched and figured out how much home we can afford? have we done the due diligence to make sure our fico scores are 750 or higher? individuals are saying, let me get this new home because i can get $8,000. you might not be ready to

purchase a home right now and it might not be the time for you. renting can be good if you're saving diligently and preparing to buy a home responsibly. >> thanks so much for your help and we want to remind people, the recession may be close to over but you've got to be careful with your money. all this health care news can be confusing. there's this plan, there's that plan. and that's why we're here. we're going to separate fact from fiction when it comes to your bottom line. readying your home for the winter months ahead. really, it's not too soon to save big money. ♪ i don't know much ♪ but i know i love you ♪ and that may be ♪ all i need ♪ to know (announcer) customers love ge aircraft engines almost as much as we love making them. innovation today for america's tomorrow. so, what's the problem?

these are hot. we're shipping 'em everywhere. but we can't predict our shipping costs. dallas. detroit. different rates. well with us, it's the same flat rate. same flat rate. boston. boise? same flat rate. alabama. alaska? with priority mail flat rate boxes from the postal service. if it fits, it ships anywhere in the country for a low flat rate. dude's good. dude's real good. dudes. priority mail flat rate boxes only from the postal service. a simpler way to ship. savings is so important to our customers.

i want to give them a card that's going to be useful in their wallet. we have a program right now called add it up. add it up is a way for a customer to shop online and earn extra cash back. we do have a power rewards program. where yoearn points for that cash back, to be automatically put back into your checking account. every purchase that you make, you're going to be earning points back. so, i mean, we find ways to help customers save money. that's my bank of america card. that's the one i want to use. a new plan from senate finance committee chairman max baucus. what does it mean for your bottom line? let's get the latest from our

financial correspondent for politico in washington. great to see you. >> thanks for having me. >> so i think people are really struggling to get their arms around this bill. and it's hideously complicated. over 200 pages. let's talk first just about how it's different from what president obama talked about in primetime just the other night. >> well, the key difference is sort of one that everybody expected to see. president obama has said he favors the so-called public option in health care. that's a government-run program that would exist side by side with private insurance companies. obama thinks that's the way to go. senator max baucus on the hill, however, ditched that idea. and instead comes up with something else altogether called public cooperatives which would be nonprofit health care companies that would be an alternative to the private industry. that's a big difference in tone. largely done because most people think that the public option just simply can't get through the senate. there's not enough votes to do what the president wants to do. >> i want to talk about co-ops. first let's talk about the price

tag. and the president has said that any plan would have to not impact that federal deficit. we're not going to raise taxes to pay for this. can that possibly be true? we already have critics out saying, no way. >> well, we are going to raise taxes to pay for this under the bill. the taxes would go -- taxes and fees would go to different industry groups within the health care industry. pharmaceutical companies. insurance companies. hospitals. all would pay new taxes and fees to finance this thing. the $856 billion number is the amount of government outlays that would be incorporated into this plan. but what both baucus and obama are saying is it would be deficit-neutral. net, it costs the taxpayers nothing to do this because of those fees. and also because of savings they say they can find in the current system. there's a lot of waste, fraud and abuse. there's a lot of economies of scale they can get. they say they're going to save money and it's going to cost you nothing to do this. >> the devil will be in the details. we'll see if that can actually

work. but i do want to drill down on co-ops a little bit. this is probably what a lot of americans are going to end up using at the end of the day. these nonprofit exchanges really where you can go and choose some kind of health care if you don't have one from an employer right now. what does that look like? >> what the bill lays out is a system of exchanges where you can go online and look and see -- compare price and level of coverage and all the different details of health care which are so complicated. to have that all in one place to compare and do some shopping. it could be kind of helpful for americans. and one of the options they would consider would be these nonprofit pools of insurance whereby people could get insurance not from a private for-profit company, which is charging extra money to make that additional profit margin, but from a nonprofit that would insure a large group of people. that's designed to put pressure on the for-profit companies to lower their costs of health care and provide some competition. some cheap competition. so that more americans can

afford their health care insurance. >> fascinating stuff. can't wait to see what's going to happen. i'm sure we'll have you back to talk about that. one note to viewers about these co-ops. all these changes. open enrollment is coming up soon, you're going to be choosing your health care plan, you're not going to have to worry about these issues this fall, this is a long way off. thank you so much. now that you know the latest from washington when it comes to the make or break issue of health care, time now to check in with politifact and their truth-o-meter. angie hollan is the health care writer. thanks for joining us, great to have you here. let's get right down to this. you have great stuff we want to get to. the first statement comes from the president. president obama. who says, preventative care saves money. okay, can we save money by having everybody take a lot of the different tests? >> we rated this statement false. and it sounds counter intuitive.

it does sound counter intuitive because common sense says if you catch something early you save money. but when you're talking about health care reform and testing everybody in the country, many studies have shown that it's not a cost saver. you have to account for the money you're going to spend to test everybody. so we rated this false. >> all right. the second statement also from the president who says, if you already have health insurance or your job or medicare or medicaid or the va, nothing in this plan will require you or your employer to change the coverage or the doctor you have. true or false? >> we rated this true. and the reason for this is that the plan goes out of its way to leave a lot of the current health care system in place. employer-provided insurance stays in place. medicare stays in place. there will be new consumer protection regulations. people who get insurance through work, those plans are going to

have five years to come into compliance. but there is nothing in the bill that will force immediate change. >> all right, next statement from rush limbaugh who says, the government is going to have the right to get into your bank account with the health care bill and make transfers without you knowing it. that sounds scary, is it true? >> we rated this barely true. there is a clause in the bill that talks about creating standards for electronic transfers and having to do with billing and payments. everybody we talked to said the intention here is to bring the health care system into the 21st century when it comes to e-commerce. similar to the pay you might pay your utility bill online. from are no new rights for the government to take people's money. barely true. >> okay. so next statement comes from america's health insurance plans. and this is really written by the companies themselves. this is the insurers talking. they say, every survey shows

strong satisfaction with private coverage. in other words, if it ain't broke, don't fix it. >> we rated this half true. and the reason for this is that the insurers do have point. surveys show that people who have insurance are either very satisfied or somewhat satisfied. and we docked them for that somewhat satisfied. and also because these surveys include people who have medicare. so we rated it half true. >> all right, angie. we're going to have to work on the sound effects. thank you so much for helping us. >> it's a lot of fun, thank you. up next, do it yourself projects. you can start right now to get your home ready for the winter months.

i don't think you can live the american lifestyle without energy. we have all this energy here in the u.s. we have wind. we have solar, obviously. we have lots of oil. i think natural gas is part of the energy mix of the future. i think we have the can-do. we have the capability. we have the technology. the solutions are here. we just need to find them here.

winter will be here before you know it. here with tips and tricks to save you heat and cash this winter is our good friend lou manfredini, home improvement expert and ace hardware's hopeful hardware man. this is important because the weather is getting cold. start with windows. my windows, what a mess. what can i do to keep the heat? >> windows and doors are your areas of greatest loss in the home. even after you put brand new windows, in it's natural, obviously because of the glass. if you can, if it's within the

budget, replacing your windows, it's a terrific time now because of the federal tax credit. >> there's free money to be had? >> there's all kinds of that. it's up to $1,500. you need to stick with major manufacturers, because not all of them qualify. there's certain criteria that the windows have to have in order to meet it. you can't just go out there and -- it's a u factor -- >> u factor? >> .30 u factor, which is the solar heat loss. the heat loss that a window has. >> they're advertise advertising that? approximate they are. sole gar heat gain is another number, .30. you've got to watch all this and work with manufacturers. if windows are not in your budget, okay, you want to do something to cut those drafts, what i've done is prepped this particular window. this is a brand new window. you would never do this with this one. i put double-sighed tape around this window and putting on a window film. this is basically creating -- >> you're putting plastic wrap on your window? >> plastic wrap around the

window. this plastic wrap, it doesn't look like much right now. once you tape this on and use a hair dryer -- >> let me get the hair dryer. >> get the hair dryer for me. i need it over here. what's going to happen is it's going to shrink this so that you don't see it, tighten up so much that you'll be able to trim around the edges. and this, by cutting the drafts in your windows, you can increase the energy efficiency of the drafts in windows by up to 70%. >> wow. >> so this is the place where you're really going -- >> why buy new windows? that goes a wrong way. >> the problem is the look and the operation. if he don't operate, if you need a spoon to get them open. >> let's get to doors. what do i do? >> same thing. weather-stripping that you can buy, you can a round the window and door. they make window kits that are larger for patio doors. keep in mind when you do this and you put it over the door, you're not going to be able to open the door.

so in an emergency you can rip through the plastic. don't worry about that. caulking is another thing. >> old fashioned but it works and it's cheap. >> the greenest product of using caulking around windows and doors, one of the most effective ways to eliminate drafts in your home. >> i wish we could get some out but unfortunately we can't today. all right. let's talk about filters. furnace filters. again, a really cheap way to make sure your furnace is operating as efficiently as possible. these not a lot of money. >> i don't want you to spend your money on this. the 90 cent filters, the blue filters, they don't do anything for the indoor air quality of your home. upgrade to pleated filters, even higher, there's a 3m filter, all really good filters that do a nice job of trapping particulates in the air. you have so change them regularly. when they get clogged the furnace works harder, uses more ener energy. it's important too to have your furnace inspected and cleaned by

a licensed professional on an annual basis. it will cost you about $100. then you'll have the peace of mind that over the winter months it's not going to clunk out on you in the middle of february. then you have to get an expensive service call. >> i want to talk about my lawn for a second. it's an been issue this year. i know new year's things i could do that's going to make it better this next spring. what would that somebody. >> the winter and fall is the best time to take care of your lawn. rake up all those leaves. get rid of all the thatch that's grown during the summertime. put a winterizing fertilizer. there's several different ones that are out there. the bigger bag is a natural product full of iron. it's actually made -- comes from county sewage -- >> you don't have to buy things that are going to hurt the environment? >> no. by doing fertilization in the fall it's going to promote healthy root growth. in the spring your lawn's going to come back more healthy. do spot seeding and start on

that four-step program and you'll be the envy of the neighborhood. >> i have to get you to my house, that's the next step. >> we'll go right after this. >> lou, thank you so much. >> my pleasure. when to lend your kid. a helping hand when it comes to money. a college budget checkup.

it braves me crazy when people live an all flash no, cash lifestyle. and you see a lot of that on tv. but there's one reality show person who doesn't live that way, who lives within her means. and i'm going to share her story with you in this next 30 minutes. ever since i can remember i've been fascinated by money. making it, saving it, studying it. by the time i was 31, i'd earned number to retire. so i embarked on a new mission -- helping you take care of your money. so you can save more, spend less, and avoid getting ripped off. >> now from his radio studio

action your money expert, clark howard. >> i am so excited for you. why? because i'm going to help fatten your wallet. the cell phone industry has spent this year of the recession in an all-out, knock-out, market share war with prices going down, down, down. now, there are what are known as tier two players and then the traditional bigs. the tier twos are companies you may not have heard a lot about but they're all offering unlimited calling plans that are generally in the range of $40 to $50 a month. but the traditional big companies are losing customers to these players and they're coming up with better and better deals. usually with asterisks. at&t has a new plan where for $59 a month you get a big slew of minutes. you can call anybody on at&t's network all you want. and you can select five most commonly called numbers and talk to any of those people unlimited. now here's a clue for you.

about 70% of all calls that individuals make are to just five numbers. sprint has also come out with a new rate plan. key for you, shop your plan. whoever you're with, they don't volunteer these new offers for you. you look for them. there are lots of ways you can save money. you have a money-saving question for me? sam, you have been dealing with some debt in your life, i gather? >> yes, sir. for the past ten months, i've been in and out of the hospital with some major health problems. >> how are you feeling now, sam? >> well, i had some amputations and part of my -- both of my feet are missing. but i'm very blessed. >> you know, most people would not feel blessed to have had both feet amputated. so you have quite a wonderful attitude. you know that? >> yes, sir. i have -- before that time, my credit and all was really good.

but not been able to work since that time. and i kept my payments up. i just had one credit card. but it -- and i made my payments up until march, even though i was not working. but i've not made a payment since march. so i decided to call the credit card company and write off the debt. they came up to me. i was telling them i had a friend that might possibly help me with this situation. >> that's just amazing, that you have a friend who's so generous. >> my bill was $23,000. and if i paid them this week, that they would settle for $7,100. >> the credit card company may, in fact, issue you what's known as a 1099. did they mention that to you? >> i asked them what the negative points would be. they did say that would happen. >> so you would owe some tax. but certainly not anywhere near

$16,000. don't pay them anything until you have the agreement in writing. >> i won't. >> you need in writing from them. not their word. you need in writing that this will settle the account in full. >> well, i will say this. i have actually already asked them about that, and they said normally that that does not happen. >> oho! they got not a cent of your friend's money. not a cent until you have in writing that this deal equals payment in full. don't let them pull one over on you. kristin, my job is to help you with this financial dilemma you've got. tell me about it if you could. >> it's not really a dilemma yet. but i wanted your advice because you're so good with this stuff. my husband and i, we bought a foreclosure last year. >> oh, congratulations. >> thank you. it was fun. we fixed it up. we bought the crumbiest one we

could find. fixed it up. and we kind of -- we were going to flip. but then the house prices started going down. so we thought, well, we'll just rent it out. we have a -- three years ago we got an equity line on our house before everything fell apart because we knew we'd want to get a rental someday. >> you used that filox to get the rental property. >> bought it for cash, paid $113,400. >> okay. >> then we put $12,000 into it. and it appraised in march for $160,000. >> congratulations. >> thank you. my husband's concerned. he doesn't want to leave a lot on the heloc because we don't know what's going on with the economy. his thinking, he would like to sell it, pay the heloc totally down -- >> let me tell you why i

disagree. it feels to me like you're snatching defeat from the jaws of victory. >> right. >> you went into this process, you bought this foreclosure, you always intended to buy a foreclosure. you get a good deal on it. the marketplace is at pretty much its low point. and although things could fall a little bit from here, they're much more likely from here to start the long, slow process of recovery. i think you go through all that effort of buying the place, fixing it up, and then turning around and selling it, you miss the real opportunity for you and your husband, which is the patience required to benefit from the market going up later on the home prices which eventually they will. next on "clark howard." >> we want to make sure that we have enough to retire and we'll be able to balance that with other save thags we want to do, whether it's house improvement, college for our son. >> you think like a business

woman. >> i have to. because it's like, if i don't make things happen, then who's going to do it? this country definitely needs to focus on other ways to get energy. we should be looking closer to home. there are places off the continental shelf. natural gas can be a part of the solution. i think we need to work on wind resources. they ought to be carefully mapping every conceivable alternative. there is an endless opportunity right here.

it's not always easy living with copd, but i try not to let it hold me back... whether i'm at the batting cages... down by the lake or... fishing at the shore. i'm breathing better... with spiriva. announcer: spiriva is the only once-daily inhaled maintenance treatment for both forms of copd, which includes chronic bronchitis and emphysema. i take it every day. it keeps my airways open... to help me breathe better all day long. and it's not a steroid. announcer: spiriva does not replace fast-acting inhalers for sudden symptoms. stop taking spiriva and call your doctor if your breathing suddenly worsens, your throat or tongue swells, you get hives, or have vision changes or eye pain. tell your doctor if you have glaucoma, problems passing urine or an enlarged prostate, as these may worsen with spiriva. also discuss the medicines you take, even eye drops. side effects may include dry mouth, constipation and troublpassing urine. my doctor said i could be doing more to breathe better and now i am.

announcer: ask your doctor about lifestyle changes and once-daily spiriva. i'll mention interest charges. like what percent are you paying on your credit card? >> $10,000 at 25%. >> 25%! 25%? >> yes. >> catch that and a lot more this sunday at 4:00 p.m. on "clark howard." bonnie's with us. hi, how are you sdmog. >> great, thank you for taking my call. >> sure, bonnie. >> i've got a phone call a few minutes ago from someone who said they were calling from walmart. and that i had won a gift certificate and a digital camera as a customer appreciation

prit prize. i listened to him, then he wanted to verify my address. and that was the correct address. then he asked me for my birth date. i asked him why he needed that. then he said, are you over 18? i said yes. so he goes on with his spiel. and said that i would receive a package in the mail the next day. and that all i had to do was send him $5.95 shipping and handling fee. and i asked him, i said, if i have to pay for it, then it's not a gift and it's not free. and i questioned him again. and he hung up on me. was that a legitimate call? >> oh no. >> i didn't think it was. >> no, and this tie-in with walmart has started out as an e-mail scam that first came to our attention. and you're the first person i've heard from that it warped into a telephone solicitation. it is no more legit by phone than it's been with the

scamsters on the web. and walmart has nothing to do with this. they are just being thrown out there as a well-known and recognized name to lend credence or legitimacy, that this is in fact a legitimate prize that you have won. the most important trigger in your phone call was the second somebody starts asking you for any money at all after you have supposedly won a prize, that's when you know you haven't won, you've lost. and nothing but trouble would follow. i would love a chance to answer your questions. but you've got did know how to ask it. this is what you do. go to cnn.com/clarkhoward and click on the video submission. submit your question. who knows, you might be with me just like michael and holly. let's watch their story. >> my name is michael, this is

my wife holly, and we need a money coach. we've been married for 15 years. the only major expense we have is our house. both cars are paid for. we have credit cards but we don't keep a balance. we try and stay within budget as much as we can every month. >> we are saving towards our retirement but we want to make sure we have enough. towards that, since we're going towards our 40s, we put around $700. that includes what the company does in the 401. >> my question is, how much of a percentage of our income is good for retirement? >> okay. you two are amazing. i don't know what kind of magicians you are. with all the family obligations you have, that you have managed to live your life with so little debt and somehow you're able to squeeze out saving 15%, effectively, of what you make. this is extraordinary. for the two of you, continue on the course you're on. when your kids are out of the

house, at that point you want to boost your savings for retirement. but you stretch a dollar so far to expect any more from you, come on. give yourself an a-plus. how about for you? here we have a couple that is doing everything they can to live life within a tight budget and still managing to save effectively with the employer match, 15 cents of every dollar they make. think about in your life. if you feel that you never have any money, that you can put aside for rainy day or for retirement, guess again. just look at where all your money's going. and i bet you can follow their example and save much more than you think. next on "clark howard." >> when they interviewed me to be a part of the show, i told them right up front that i'm not the type that's going to be spending my money on crazy stuff. >> think how many times you or i

may have intended to file for a rebate, didn't do it on time, or did do everything that was expected of us and somehow the money never materializes.

you need help with your debt? saving for retirement u. coming up with a budget. maybe i can help. i can be your money coach. cnn.com/clarkhoward and upload a video or fill out the e-mail form with your story.

patrick is with us. hi, patrick. >> hi, how you doing? >> great, thank you. what's going on, patrick? >> well, have a student loan. i've listened to your show a long time. it said there's some new forms, something, in june of this year that they started that was available i guess in july? >> yeah, it's an entirely different way of treating student loans. and it's the income-based repayment plan. and it has two elements to it. if you have a traditional federal student loan, your payments are based on your income. so if somebody's unemployed, believe it or not you can petition and you're considered to be current even if you're not paying. if your wage goes up, you have to pay more.

if your wage goes down, you're required only to pay less. but there's more to it as well. listen to this. if you go to work for a charitable organization, a nonprofit, or you go to work for government, if you make all your payments for ten years under the income-based repayment formula, at the end of ten years all the rest of your loan balance is wiped out. if you go to work for a private company, a traditional for-profit company, instead of 10 years it's 25 years. now, at clarkhoward.com i've got a guide to this that you can look at. and there's also a more complete but not as easy to understand guide on the website of the u.s. department of education. you go to student -- no www. you do studentaid.ed.gov.

when you got there, you'll see that there's an entire portal called repaying your loan. it will take you through step by step for each kind of loan you have, what type of repayments are available, how they're calculated and all the rest. the most important thing to know is that this is for federal student loans. subsidized and unsubsidized. not for private loans. >> my wife loves the train wreck also known as the real housewives of atlanta. i started watching it with her and it was driving me crazy. how could these women blow so much money? but one member of the cast, candy, has a different approach to a dollar. how to stretch it. and recently she stopped by the studio and shared how she handles money with me. >> i have worked and made my own

money and it's not because of someone else's money or my husband or anybody else's money that got me to where i am. so i have to be very careful on how i spend it because i am the breadwinner as far as, you know, taking care of mom and my family and stuff. >> now, you are a grammy award winner. >> yes. >> what was that like? >> oh, that was extremely exciting. i go the a grammy for writing the song "no scrubs" for tlc. i write songs and hits for other art itses. that's where most of my money came from, publishing and song writing. >> so you are -- i'm listening to you talk. i mean, you think like a business woman. >> i have to. because it's like, if i don't make things happen then who's going to do it? >> you know, i've always said through the years that it's never what you make, it's what you don't spend. >> i agree with you in a sense. statement you have to spend money at times to make money, i

feel. especially if you're not in the typical type of career where you have a 9:00 to 5:00, you know you're going to get that check every week. you have to make decisions that, you know, where you could still make money for the long run. >> all right. and you keep that thought in your mind, that you are going to have money at the end of the day, instead of be broke like these other folks. >> well, the thing is somebody told me when i was really young, good credit is better than money. i never want to have bad credit. they also told me, always have at least one house and one car that you own, so you can always have a place to live and always have a way to get around. >> good advice. >> so that's like my motto. if you can pay your house off, do it. if you have any extra money, always throw to it the principal because it will knock off years of your loan. so later on down the line, if you're not doing as well later on as you are now, then, hey, you've got a few years knocked off. >> great job, kandi. thank you very much. and continued success. >> thank you.

if you are considering buying something because it's a great deal after rebate, you need to follow my strategy. when is, only buy something if the rebate is like icing on the cake. why do i say that? well, here's another example. the attorney general of the state of florida is suing a couple of companies that purposefully have not been paying people rebate money for which they qualify. and over the years, think how many times you or i may have intended to file for a rebate, didn't do it on time. or did do everything that was expected of us and somehow, the money never materializes. rebates are there to try to fool our brains into thinking we're getting a better deal than we really are. so let's go full circle here. why not buy something that's a deal just as it sits? next on "clark howard." >> the question for you is inheritance tax only becomes an issue if you're loaded with

dough. i mean, are you sitting there on piles and piles and piles of gold and money and houses and all that? >> i'm not. i haven't won the lottery yet either. it hard to breathe.

but now that i'm breathing better with advair... i can enjoy the zoo with my grandkids. (announcer) for people with copd including chronic bronchitis, emphysema, or both, great news. advair helps significantly improve lung function. while nothing can reverse copd, advair is different from most other medications because it contains both an anti-inflammatory and a long-acting bronchodilator working together to help you breathe better. advair won't replace fast-acting inhalers for sudden symptoms and should not be used more than twice a day. people with copd taking advair may have a higher chance of pneumonia. advair may increase your risk of osteoporosis and some eye problems.

tell your doctor if you have a heart condition or high blood pressure before taking advair. we had a great day, grandpa! we sure did. ask your doctor how advair helps improve lung function for better breathing. (announcer) find out how to get your first full prescription free at advaircopd.com.

ever since i can remember i've been fascinated by money. making it. saving it. studying it. by the time i was 31, i'd earned enough to retire. so i embarked on a new mission. helping you take care of your money. so you can save more, spend less, and avoid getting ripped off. >> now from his radio studio, your money expert clark howard. >> in recent years, people are using a visa card or mastercard as a debit card more than they even use credit cards. debit card debits directly from your checking account. it's a great way for you to

control your spending if you use plastic for credit and then you can't pay the bill. however, there's a big danger with these debit cards. listen to what it is. do you know that most banks will approve a purchase with your debit card even when they know you don't have money in the account? why? so they can generate overdraft charges. and listen to this eye-popping number. according to the fdic, an agency of the federal government, the effective interest rate of using a debit card where you overdraw is a 3,500% interest rate for the fees you're charged. so know this -- your bank or credit union may approve a purchase for which you don't have the money. but it's going to cost you a ton in overage fees. you've got to keep track of your balance. if you're not going to do that and you might run overages, what should you do? go to plain, simple cash r. when you're out of cash, you'll know it.

now i'm ready for your questions. what have you got for me? tanya's with us. what's going on in your situation? >> well, i'm looking at possibly either doing bankruptcy or debt consolidation. not sure which way to go. my current job right now, because of the economy, i'm getting my hours cut. what i bring home per month just barely makes it. i don't -- my credit cards are not late. i pay them every month. but it's killing me. i have no money left over at the end of the month. >> how much in credit card debt do you have? >> $30,000. >> with the hours cut back, what would you get your income is now? >> approximately $42,000 a year. >> when you reach a point that your credit card debt exceeds 50% of your annual income you

cannot handle it. >> okay. >> with the income you have. the first option you should do is just pick up the phone, call all your credit card companies -- how many are there? >> eight. >> eight? wow. you can call all eight of the credit card companies, you tell them the same exact thing. you say, my hours have been cut back, i can't even make minimum payments to you anymore, i can maybe resume paying you when i get a better job or my income goes up but i cannot pay you right now. now, what will happen today that would not have happened in the past, believe it or not the credit card companies may, in fact -- many if not all eight of them will make you an offer on your debt. the second thing you can do is you can go to an affiliate of the national foundation for credit counseling.

and they can possibly do what's known as a hardship dmp, debt management plan. >> okay. >> they would contact your eight credit card companies, lay it out for them. what you look for is that they mark the interest dune to 0% on all the cards. if you're not paying any interest, it becomes easier for you to honor your debts. either of those options are far preferable to the third, which is filing for a bankruptcy that stayth with you until 2019. hello, karl. >> hi, clark. >> how are you doing? >> doing fine. better than i deserve. quick question. basically, i retired last year from the army. >> thank you for your service to our country. >> thank you. and basically did the transition.

got hired on with defense contractors as a training developer. everything was going great until i found out that they're doing layoffs in october because they don't have another contract for to us work on. >> okay. >> i've started working job search. and i actually got a job offering today for $65,000 down in florida. they also have an interview tomorrow for the veterans administration for a position there. which i like because it is a government position, has the benefits. you know. it's federal government employment. so it's not as fragile. >> right. >> the thing is, it's going to be about $15,000 to $20,000 less than what i've been making in florida. but i feel like i can quickly move up the system and i'm trying to weigh the benefits, you know, versus the pay versus orlando versus the va. just trying to get some guidance. >> you had 20 years in the army? >> yes, sir. >> so you know the system. you're very familiar with it. you'll be able to help your

fellow soldiers by working for the va. >> yes, sir. >> and you will -- the thing with the feds is that what you trade in current income, you gain back in long-term financial security and job security. >> yes, sir. >> so because you're an insider, think about it, you went straight from wearing the uniform to working for a defense contractor. it's in your blood to be in some way involved in military affairs. and when i listen to what you said, it sounded to me like taking the opportunity with the va was the right thing for you. because it offers you that security. you're somebody that likes to stay in one place. you stayed 20 years with the army, you didn't have to. so i think being involved with the military as you would continue to be able to do is your ticket. next on "clark howard."

>> my financial goals are to live a very stable life and to be able to pay my bills as they come in and not have to really worry about any finances. >> she proceeds to tear it off, crinkles it up and throws it in the trash can. >> where anybody could reach in and get it and steal your identity. >> exactly. in my busy kitchen, i want nothing but the best. eggland's best. in my kitchen, i love eggland's best. that's why they're the only eggs... i make for my son. the chef. eggland's best. the better egg.

yeah. would you like a pony ? yeah ! ( cluck, cluck, cluck ) oh, wowww ! that's fun ! you didn't say i could have a real one. well, you didn't ask. even kids know when it's wrong to hold out on somebody. why don't banks ? we're ally, a new bank that alerts you when your money could be working harder and earning more. it's just the right thing to do.

gene joins us. hello, gene. >> how you doing? >> great, thank you. what's going on in your life today? >> had a little experience today at a big box store.

at a liquor store. went to bring my empty keg in. in the state we live in you have to fill out paperwork. i take back the empty keg. he gives me the paperwork from that keg that i filled out from previously. i go get the new keg in the back. come up front. go to that cashier. there's a copy of my license on one of the papers. all the information from the front page. she proceeds to tear it off, crinkles it up and throws it in the trash can. >> where anybody could reach in and get and it steal your identity. >> thank you. and i called up and i talked to the manager. he goes, "oh, yeah, we shred those pieces of paper." i said, "i don't think mine's going to get shredded because she crinkled it up and threw it in the trash can." i just need to know what to do. >> gene, think how many places have our personal information that are so careless with it. what i would do, if you want to do something about this, i would

call the alcohol beverage control board or liquor board or whatever it's called in your state and i would call them and say, have you considered requiring a procedure to destroy people's personal information later that is in store hands instead of their hands? because i can understand, based on what you gave me as an example, that the state wants to make sure somebody's not running an illegal bar. >> right. >> but there should be some requirement the state imposes on the liquor stores that the information, in fact, be properly disposed of or stored so that you don't have the identity theft problem. so you're fired up about it. you're the one who can make a difference. the sloppiness out there that continues in an era that everybody's aware of identity theft never ceases to amaze me. it's time for "money coach."

that's where you get to ask me your question about your wallet. how do you do it? go to cnn.com/clarkhoward and click on video submission. and you submit that question. next thing you might be like jenny here, asking me your question. let's watch her story. >> hi. i'm jenny and i'm working my way through college and i need a money coach. well, i work full-time here and i support myself. and i just basically live day to day. i have a small savings account that i do want to keep and up i don't want to lose. my biggest concern would be my retirement. i want to definitely make sure i am able to retire at a decent age and enjoy my life when i get older. my personal goals for graduate from college with my bachelors degree in business administration. and just to live a very nice, successful life. my mother's brothers and i will be receiving a bit of money, about $10,000. i would like to invest in money

and get a little bit of return. what is the best very you have for this? >> ginny, first, grat lations on how responsible you are with money. here you are working your way through college. the level of debt you're carrying, tiny, tiny. all right. what i would do with that money you're receiving is i'd first wipe out your credit card debt. once you've done that, that's still going to leave you several thousand dollars that i would divide into two piles. one, a rainy day account. be great to have that. put the money into a savings account. the best interest you can earn, wherever that might be. usually an online bank. second, take the other half of the money you have left over, which will be a few thousand bucks, and open a roth account. that's a tax-free savings account where you put in after-tax dollars, everything you earn is tax-free, and you spend it tax-free in retirement. they're flexible too. get this. you can put up to $5,000 each year into a roth and you are allowed at any time to withdraw

the money you have contributed to it tax-free and penalty-free. you must leave your earnings in the plan. but if you did need the money for a down payment for a house or something like that, you have it as a stash of cash. i'd rather you leave it alone, but if you need it, you can pull the money out. next on "clark howard." >> i'm noticing that when they report it to the agencies that there's a very low balance. and my score shot up 15 points within 30 days. >> you are a genius. ( clicking ) ( laughs, click ) when you hear a click, ( clicking ) you know it's closed and secure. that's why hefty food bags click closed. hefty! hefty! hefty! so you know you've helped lock in freshness and lock out air... to help prevent freezer burn. be sure it's secure with hefty food bags. just one click and you know it's closed. hefty! hefty! hefty! ( click, click, click )

to improve joint comfort as little as six days. six days, that's fast! (announcer) joint supplement pills are history, because elations powerful formula is more absorbable than pills, delivering clinically proven levels of glucosamine and chondroitin in a great-tasting drink you enjoy every day. it tastes absolutely delicious. goodbye horse pills. i've got it working for me. (announcer) elations. the new standard in joint health.

cecilia's with us. hi, cecilia. >> hey, clark. >> how are you? >> i'm doing well. my question for you today is, i'm a member of a credit union. and i got a letter in the mail. and they want to switch to -- they want to switch deposit insurers from the federal government to a private company. and i don't know. >> they want to leave ncua coverage? >> they do, yes. yes. my credit union that i'm a member of. >> i am not comfortable with

that at all. are they making it up for a membership vote? or are they just telling you -- >> no, it will be -- they're persuading us, but they did say it's definitely going to be up for a vote. >> vote no. this is really odd timing. >> yes. >> for a credit union to choose, with people's insecurities with the banks failing and all that, credit unions have almost none have failed anywhere. and to not have the safety net of the ncua, which is the credit union equivalent of fdic, i don't understand at all. what justification does the credit union give for leaving the federal nest? >> funny you say that. because they say in the letter, they're going to be assessed a premium of like $675,000. they say .15% of all their insurers -- me this just pay the premium. >> thank you. >> it's the banking system is

short of money because of all the failures of financial institutions. >> right. >> and so there are these assessments hitting financial institutions. and that's what this is part of. and that is not a good reason to go from a federally insured credit union to no longer having the full faith and credit of the american government to back up the accounts of people at the credit union. i would tell you i think they're making a big mistake. i would encourage you to vote no. and in fact, if the vote passes, i would move my money out of the credit union. i would not hang with them. and i hope that other members realize the risk that they would be taking on and also vote no. david is with us. what are you thinking about doing with your credit card? >> hey, clark. you make me look so smart to the person that most matters to me most, my wife. i keep getting brownie points.

here the thing. i have found out that over the last month my credit score went up 15 points. i notice how i did it by raising it, by looking at the balances. i follow my balances every day and pay it off every month. i don't carry balances but i use the cards heavily. so what i do is i pay the balance before the credit card company can report it to the credit agencies. because you know, if i paid my credit cards off the day they were due, or when they asked for it, that anybody looking at my credit report would see that i'm paying off my balances. however -- >> no, no. they see the highba balance tha it was when the statement closes. >> i said, wait a minute, i don't want them reporting any balances to the credit card agencies, why don't i just pay these things off way before they're due? there's a lead time. i pay them off 10 or 15 days ahead of time. i'm noticing that when they report it to the agencies, that

there's a very low balance. and my score shot up 15 points within 30 days. >> you are a genius. because as you probably have heard me say, it is 30% of your credit bill before it's due. for anybody in a position to pay balances in full, it is a great habit to get into, especially six months before you might buy a home. you want to do everything you can to boost your credit score all the way up to the point you close on the new home. the mortgage on the new home. and doing exactly as you instruct, david, is going over time to make potentially a few dozen points difference in somebody's score, which can make a big difference in what mortgage rate somebody has for 15 or 30 years. tell your wife you're a gentleman and a scholar. you're both. if you don't have health

insurance or you are the equivalent of under insured where you need nonemergency treatment or surgery that is very, very expensive in the united states, do you know there's an alternative to financial ruin. the magazine reports it's booming. it's where you go overseas to a western style hospital. you have 24 hour nursing in your home. you get the equivalent surgical procedure but the bill is one fifth to one tenth the cost of what it is in the united states. this is known as believe it or not, medical tourism and has become big business in thailand, singapore and india. before you go overseas for surgery, you have to know you'll have a big distance from your family and really check out the facility and the doctors. but it could keep you from being broke.

next on "clark howard" >> it's been a dream to have a beach property. i'm very close to having a beach property. >> congratulations, now we're moving from investing in an investment to investing in yourself. towels in my room. continue. ( strokes violin ) ♪ do you need anybody! friendly service. real value from your friends at hampton.

coldwell. yes, banker? now all our listings are on any smartphone. indeed. now people can search home listings anytime, anywhere. coldwell? whoa! looks like you can search listings and connect with our great agents on this thing. isn't technology amazing? yeah, but it makes me dizzy. announcer: coldwell banker. we never stop moving. explore real estate videos and more all at youtube.com/coldwellbanker.

please have arrested a suspect in the killing of yale grad student annie le. one thing they don't have is a motive. the politics of race. some say it's a major factor in the criticism president obama has gotten lately. what does the president himself think about this? also christian conservatives gather in washington. among the speakers, politicians with their eye on the 2012 presidency. this is hln news and views for saturday september 19th. here's what we're following. four people are dead and a suspect is under arrest after a

killing near a university in virginia. four bodies were found in a home near the campus of longwood university. that's in farmville. it happened yesterday. that's 50 miles west of richmond. police have arrested 20-year-old richard mccorps xi the third caught at the airport trying to get a flight to california. he is charged with murder and robbery and grand larceny. no words on the identities of the four victims and cause of death. we're following this. intense manhunt is now under way in washington state for an escaped killer who is mentally ill. his name is phillip arnold paul. he walked away from a group of patients during a field trip to a county fair. and now state officials are facing intense criticism for allowing paul with a violent criminal past to be on the field trip to begin with. he was committed to a mental hospital after he admitted to killing an elderly woman back in 1987. paul says he killed her because

he thought she was a witch. we may never know why annie le was killed. unless the suspect confesses, it is unclear what happened in the lab. clark is charged with murdering le. local media is reporting investigators were suspicious about clark even before le's body was found after watching hours of surveillance tapes. they say he stood out to them. he was seen leaving the building looki looking distraught. >> reporter: we know he was not a student there at yale. he was a lab technician, low man on the totem pole, keeping track of the animals annie le and her team were using for research. he was doing diabetes and cancer research. he reportedly did text her that

day having to do with the condition of the cages that her mice were in. but as far as their relationship, it's really unclear at this point. faculty members certainly saw each other in the hallway. just how much they had to do with each other is unclear. police are still gathering evidence in the case. a car was towed friday night from the motel clark was staying in before his arrest. a state trooper on the scene said it was related to the murder case. clark remains in jail on $3 million bond. tonight on hln news and views and nancy grace prime time exclusive, a neighbor of the yale murder suspect is speaking out. what will she say about the perpendicular personality of raymond clark now behind bars for strangling annie le and hiding her body before a basement wall. authorities searching the property of phillip and nancy garrido say they have found another bone.

right now they can't say if it's human or not. the couple is charged with kidnapping jaycee dugard 18 years ago. they are searching the yard for possible clues in the disappearance of two other girls who vanished in the late ael '80s, they have no evidence tieing him to the disappearances but also say the garridos can't be eliminated as suspected. >> there's a new development in the search for a missing florida girl. local media reporting that authorities are search ag pond in connection to the disappearance of ha leigh cummings, police say it's not connected to the arrest of hank kros lynne junior. she is not married to haleigh's father. republicans who may run for president in three years are addressing a gathering of the

voters summit. the first straw poll. 2012 campaign. former mitt romney and mike huckabee and tim pawlenty have put in appearanced. sarah palin delivered reportedly because her son is return from duty in iraq this weekend. former miss california usa got a warm welcome. she says she believes there's a bigger crown in heaven waiting for her. looking at health care reform this weekend and house republican leader john boehner is attending the meeting. he says the nationwide tea parties represent a push back against government spending. the congressman told cnn, he does support change in health care but conservatives have

their own plan. >> two problems, it cost too much and not all americans have access to high quality health insurance. so on the cost side, we think the medical mall repractice reform and the defensive medicine they have to practice would save $125 billion a year. we should do that. i think every health insurance company, medicare, medicaid ought to be locked in a room and come up with one claim form for all providers. would save 40 to $50 billion a year. then you would begin to save money to help people with preexisting conditions and help the working poor and those in their 30s to be able to afford better health insurance. president obama doesn't believe his harshest critics are necessarily motivated by race. questions were raised about the issue following the health care address in which congressman joe

wilson screamed out "you lie." in an interview with john king, the president says many of the predecessors came under harsh attack mainly when they were working for change. >> as i've said in the past, you know, are there people out there who don't like me because of race? i'm sure there are. that's not the overriding issue here. i think there are people who are anti-government. i think that there are -- there's been a longstanding debate in this country that is usually that much more fierce during times of transition. when presidents are trying to bring about big changes. the things that were said about fdr, pretcy similar to the things said about me. he was a socialist. and things said about ronald reagan when he was trying to

reverse some of the new deal programs. were pretty vicious as well. >> the president fielded similar questions from other networks during a flurry of interviews for tomorrow sunday morning talk shows. the good news, water service is now back on for residents in suburban baltimore after a massive water main break flooded large parts of the neighborhood. rushing water sub merged cars and flooded 100 basements and caused a road to completely collapse and knocked out power to 1,000 homes. hundreds of them were without power as of this morning. it took about two hours to get the water shut off. baltimore city officials say the water main break is part of a larger issue of failing infrastructure in larger u.s. city. people in atlanta are trying to figure out what to do about this massive sinkhole. the hole is more than 25 feet long and threatening several homes in the area. it opened up thursday after

several days of heavy rain. as you can see, it's already taken out part of the sidewalk, the curb the street. the hole is in a private development so the cost to fill it will fall on the homeowners association. >> we're looking at the messy weather across the south. in alabama in some cases it looks like our computer models are suggesting between 5 and 10 inches of rain. temperaturewise, readings are a little bit below normal. billings, montana, minnesota, expecting temperatures 5 to 15 degrees above where they should be for this time of year. and starting into sunday, we'll start to see an offshore flow and as a result looks like the fire danger will be increasing as the winds blow offshore.

in the meantime, this area of low pressure kind of stuck in place at least for the next 24 to 36 hours. then another weather system comes in and reinforces that already wet weather situation. for hln, i'm karen maginnis. >> it's no surprise that these images right here have the images right here have the internetat buzzing. what folks are saying this might be. and you get to choose any car in the aisle. choose any car? you cannot be serious! okay. seriously, you choose. go national. go like a pro. progresso. your chicken tuscany says it has fiber in it. yep. four tasty new soups with 28% of your daily fiber. but i like this chicken tuscany., i like it too. but it has fiber in it. that's right. fiber? yeah. but i like it. (announcer) progresso. you gotta taste this soup. 90s slacker hip-hop. ♪ that can strain your relationships and hurt yourody 'cause pu'pride ♪ng a ride ♪ it's the credit roller aster ♪ ♪ and as you can see it kinda bites! ♪

♪ so sing the lyrics with me: ♪ when your debt goes up your score goes down ♪ ♪ when you pay a little off it goes the other way 'round ♪ ♪ it's just the same for everybody, every boy and girl ♪ ♪ the credit roller coaster makes you wanna hurl ♪ ♪ so throw your hands in the air, and wave 'em around ♪ ♪ like a wanna-be frat boy trying to get down ♪ ♪ then bring 'em right back to where your laptop's at... ♪ ♪ log on to free credit report dot com - stat! ♪ vo: free credit score and report with enrollment in triple advantage.

the internet is buzzing over a mysterious four-legged something and it's been the most popular on our website today. these are sure to have you asking, what is that thing. no one has figured it out yet. animal experts are taking a very close look. four kids say they encountered this thing at the opening of a cave in the forest. some people think it looks like an alien. others think it's ab animal,

perhaps a sloj that lost its hair. this thing right here could be talked about for a very long time. pretty creeppy. >> what would you pay for an art lesson from a world reknowned painter. chris morrow spoke to mural artist famous for giant paintings of sea creatures. we wanted to share it with you. >> this is whyland at my studio and i'm going to show you how i do ink painting. we'll paint a beautiful green sea turtle. with a few lines a turtle comes to life. the idea with this style of art is that the artist starts a painting and a viewer finishes it. >> here's the head of a beautiful turtle.

they are one of my favorite animals. you can see the head of the turtle start to appear. i'll grab a little ink right here. we'll be real bold, imagine a turtle swimming in front of you. imagine this beautiful turtle swimming right in front of you. beautiful. looking good. >> he makes it look easy, doesn't he? >> there's more of this lesson at ireport.com. the comments on the video use words like terrific cool and amazing artistry. thanks to chris morrow for bringing it to you us. when you have images of breaking news or cool stories from your part of the world, go to ireport.com. government lawyers are trying to stop a controversial book project. online search engine google and the author's guild have reached

an agreement. the justice department says the agreement poses class action and copyright concerns. the justice department says it wants to see a settlement and urging both sides to negotiating. if proper changes are made, the potential could be an important benefit for society. when you surf the internet it's safe to say you want to surf the whole internet, right? >> federal regulators reporting new rules to do that. the chairman of the fcc will unveil them on monday. the proposals will prohibit internet service providers including wireless companies from blocking or slowing down your access to selected online content. for example, if a cable company offers internet service t. won't be allowed to block websites on its tv channels. the telecommunications industry strongly opposed net neutrality rules. president barack obama may have reduced the threat of an an

attack, find out why on hln news and views. we got him the coverage he needed. it was a good thing we did 'cause a week later his house burned down. being proactive meant a family home could see generations to come. i am carlton ballard and i am on your side. switch to nationwide insurance now. - hello! - ha! why don't you try a home cooked meal... with yummy hamburger helper? oh! tada! fantastically tasty, huh? ummm, it's good. what would you guys like? hamburger helper. what?! one pound... one pan... one tasty meal! new anti-aging eye roller. reduces puffiness immediately -- and also helps with lines and wrinkles. not surgery. this is our way to do ur eyes.

new regenerist anti-aging eye roller.

president obama will host the g-20 leaders next week. says the summit will be a good chance for review of what each country has done to fight the economic downturn. he also said although global economic conditions are stabilizing. that is not enough. >> because of the steps taken by our nations and all nations, we can now say we stopped our economic free fall. we also know that stopping the bleeding isn't nearly enough. our work is far from over. we know we still have a lot to do here at home to build an economy that's producing good jobs for all of those who are looking for work today. >> and republicans are keeping up their full-court press on president obama's health care overhaul plan. in her party's weekly address, sue myrick said the plan would

lead to something taxpayers don't want. >> every family that confronts a serious illness should have access to the highest quality care at the lowest possible cost with no delays. replacing your current health care with a government-run system is not the answer. these so-called health care reform bills have different names. a public option, a co-open, a trigger. make no mistake, these are all gateways to government-run health care. >> now the senate finance committee is expected to start voting tuesday on a health care proposal. >> a man identified as the leader of the taliban is urging the u.s. and its allies to brush up on the history of afghanistan. the message purportedly points to the many times afghanistan has been invaded. every time the invaders left in defeat. the message was released to

co-inside with a muslim holy day. the identity of the speaker has not been independently confirmed. germany raised its terror alert. they say it is increasing security measures, especially at airports and train stations. a new video released by al qaeda says it will hip germany if elections don't go the way they want. the video didn't say which political party should win, but the video says, if the german people decide to continue this war, they have sealed their fate. now that the u.s. isn't putting a new missile system in poland, russia is scrapping plans for a new missile system on the western border. earlier this week president obama canceled a bush era effort to base a missile system in eastern europe. russia had threatened to fortify

the border with appoint land. now they say that system is no longer necessary. are these tough economic times putting the squeeze on your finance snz. >> so many are feeling the pinch. many expert clark howard is here each week to help you out. log on to cnn.com/clark and submit your ireport. you could be profiled on the network and get valuable advice. don't forget to tune in tomorrow at noon eastern right here on hln. tonight on hln news and views, "showbiz tonight" this weekend, the explosive reaction to "showbiz tonight's" exclusive one on one with the other kate. why are claims about the romantic fling launching a firestorm? tv's most provocative entertainment news show.

it lasted for 72 years. this week cbs pulled the plug on guiding light. we'll look back at the soap opera that survived decades of cheating scandals and even a cloning. achoo! (announcer) what are you going to miss when you have an allergy attack? achoo! (announcer) benadryl is more effective than claritin at relieving your worst mptoms. and works when you need it most. benadryl. you can't pause life.

with your help... ...yoplait will donate 10 cents for every pink lid sent in. help us win. we've been fighting the war against breast cancer... ...for over 10 years at yourlidmatters.com.

police have arrested a suspect in the killing of yale grad student annie le. but one thing they still don't have is a motive. the politics of race, some say it's a major factor in the criticism president obama has gotten lately. what does the president think about this? >> gathering at the voters summit in washington, among the speakers, politicians with their eye on the 2012 presidency. this is hln news and views tore saturday, september 19th. it's great to see you. i'm susan hendricks. here's what we're following. four people are dead and a suspect is under arrest after a

killing near a university in virginia. four bodies were found in a home near the campus of longwood university in farmville. that's about 50 miles west of richmond. police have arrested 20-year-old richard mckorski iii, he is charged with murder and robbery and grand larceny. no word on the identities of the four victims or cause of death. we're following this. an intense manhunt is under way in washington state for an escaped killer who is mentally ill. his name is phillip arnold paul. he walked away from a group of patients during a field trip to a county fair on thursday. now state officials are facing intense criticism for allowing paul who has a violent criminal past to be on the field trip to begin with. he was committed to a mental hospital after he admitted to killing an elderly woman back in 1987. paul says he killed her because

he thought she was a witch. we may never know why yale graduate student annie le was killed. unless the suspect confesses or it comes out at trial, it is not clear what happened in the school research lab. raymond clark iii charged with murdering le. investigators were suspicious even before her body was found after watching hours of surveillance tape, they say he tood out to them. he was seen leaving the building looking distraught and came back to clean and hide lab equipment. cnn's randi kaye is covering the case. >> reporter: we know he was not a student there, the suspect in this case was not a student at yale. he was keeping track of the animals in a annie le and her team were using for research. she was doing diabetes and cancer research. he reportedly according to some media reports did text her that

day having to do with the condition of the cages that her mice were in. but as far as their relationship, it's really unclear even at this point. faculty members certainly saw each other in the hallway. how much they had to do with each other is still unclear. >> thanks to randy kay. police are still gathering evidence in the case. a car was toeded and a state trooper on the scene said it was related to the murder case. clark remains in jail on $3 million bond. tonight on hln news and views, "nancy grace" prime time exclusive, a neighbor of the yale murder suspect is speaking out. what will she say about the personality and daily activities of raymond clark who is behind bars for strangling annie le. nancy grace has the latest breaking developments 8:00 and 10:00 p.m. eastern. authorities say they have found another bone.

right now they can't say if it's human or not. they are charged with kidnapping jay see dugard. they are searching the garridos yard for possible clues in the disappearance of two other girls who vanished in the late 80s. police say they have no evidence tieing the garridos to the other disappearances but also say the garridos can't be eliminated as suspects. republicans who may run for president in three years are addressing and gathering christian conservative activist called the valued voters summit. they'll see the first straw poll of the campaign. newt gingrich, mitt romney and mike huckabee and tim pawlenty have put in appearances there. former alaska governor sarah palin is not there. organizers did invite her but she declined reportedly because her son is returning from duty in iraq this weekend. former miss california usa

got a warm welcome from the conservative crowd. she claimed her opposition to same sex marriage cost her the title. but she believes there's a bigger crown in heaven waiting for her. >> the conservative values voters summit is looking at health care this weekend and john boehner is a tending the meeting. he says the nationwide tea parties represent a push back in government spending. he says he does report change in health care but conservatives have their own plan. >> two problems with the current system. it cost too many and not all americans have access to high quality health insurance. we think medical malpractice reform and defensive medicine that doctors have to practice as a result would save about $125 billion a year according to price water house coopers. we should do that. i think every health insurance company ought to be locked in a room and come up with one claim

form. and then would you begin to save money that you could use to help people with preexisting conditions and help the working poor and those in their 30s to be able to afford better health insurance. >> president obama doesn't believe that its harshest critics are necessarily motivated by race. questions were raised about that issue in which congressman joe wilson screamed out to the president "you lie." if an interview with john king, the president says many of the predecessors came under harsh attack mainly when they were working for change. >> as i've said in the past, are there people out there who don't like me because of race? i'm sure there are. that's not the overriding issue here. i think there are people who are

anti-government. i think there are -- there's been a longstanding debate in this country that is usually that much more fierce during times of transition or when presidents are trying to bring about big changes. the things that were said about fdr, similar to the things said about me. he was a communist or socialist. things said about ronald reagan when he was trying to reverse some of the new deal programs. were pretty vicious as well. >> the president fielded similar questions from other networks during a flurry of interviews for tomorrow sunday morning talk shows. the good news, water service is now back on for residents in suburban baltimore after a massive water main break flooded large parts of a neighborhood there. we do mean massive, rushing water submerged cars and flooded 100 basements and caused a road

to completely collapse, knocked out power to 1,000 homes. hundreds were still without power as of this morning. it took two hours to get the water shut off. baltimore city officials say the water main break is part of a larger issue with failing infrastructure in larger u.s. cities. people living in an atlanta suburb are trying to figure out what to do about a massive sinkhole. it is threatening several homes in the area and opened up thursday after several days of heavy rain. it's already taken out part of the sidewalk and curb and street. it is in a private development, the cost of developing will fall to the homeowner's association. humans have always been fascinated with the unknown. it's no surprise that these images have the internet buzzing. what folks are saying this might be. [ woman ] dear cat. gentle cat.

your hair mixes with pollen and dust in the air. i get congested. my eyes itch. i have to banish you to the garden. but now with zyrtec-d®, i have the proven allergy relief of zyrtec®, plus a powerful decongestant. i can breathe freer with zyrtec-d®. so, i'll race you to our favorite chair. i might even let you win. zyrtec-d® lets me breathe easier, so i can love the air™. zyrtec-d®. behind the pharmacy counter. no prescription needed. ♪ ♪ which one's me - for a cool convertible or an suv? ♪ too bad i didn't know my credit was whack ♪ ♪ 'cause now i'm driving off the lot in a used sub-compact. ♪ ♪ f-r-e-e, that spells free credit report dot com, baby. ♪ ♪ saw their ads on my tv ♪ thought about going but was too lazy ♪ ♪ now instead of looking fly and rollin' phat ♪ ♪ my legs are sticking to the vinyl ♪ ♪ and my posse's getting laughed at. ♪ ♪ f-r-e-e, that spells free- credit report dot com, baby. ♪

don't get the recommended amounts of calcium and vitamin d? that's where their favorite cereals like trix and lucky charms can help. general mills big g is the only leading line of kid cereals that has both calcium and vitamin d in every box. check for this banner on the cereals they already love... like cinnamon toast crunch and cocoa puffs, help them get more of what they need with general mills kid cereals.

the internet is buzzing over a mysterious four legged something. and it's been our most popular video. these images are sure to have you asking, what is that thing? no one has figured it out yet. animal experts are taking a very close look. four kids encountered this thing at the opening of a cave in a forest. some people think it looks like an alien. others think it's an animal, perhaps a.sloth that lost its hair. it's the popularity of legends like big foot and chupacabra are any indication, this could be talked about for a very long time. pretty creepy. >> what would you pay for an art

lesson from a world renoned painter? spoke to mural artist wyland. >> this is my studio in southern california and i'll show you how i do art ink painting. we'll paint a beautiful green sea turtle. with a few lines, a beautiful turtle comes to life. the idea of with this style of art is that the artist starts the painting and the viewer finishes it. here's the head of a beautiful turtle. turtles of one of my favorite turtles. you can see the head of the turtle start to appear. i'll grab a little ink. we'll be real bold. imagine a turtle swimming in front of you. that's what you want to do. imagine this beautiful turtle

swimming right in front of you. beautiful, looking good. >> he makes it look easy, doesn't he? >> there's more of this lesson at ireport.com. the comments use words like terrific, amazing and cool artistry. thanks for sharing talent and for chris morrow for bringing it to us. when you have images of breaking news or cool stories you want to share with u. go to ireport.com. the woman who got her eyesight back thanks to one of her teeth is back home in mississippi. yes, there was an excited welcoming home committee on hand when kate thornton rereturned where she had the landmark surgery. nine grandchildren, seven of them born after she lost her sight. she is the first patient to have the procedure in the u.s. now doctors fashioned one of her teeth into a mem brain graft and

it allows her to see for first time in nine years. she will be back in miami for a checkup in a couple of weeks. when you surf the internet it's safe to say you want to surf the whole internet. federal regulators are preparing new rules to make sure you can do that. the chairman of the sec will unveil them on monday. the proposals will prohibit internet service providers including wireless companies from blocking or slowing down access to selected online content. for example, if a cable company offers internet service, it won't be allowed to block websites that provide video of the programming on its tv channels. the telecommunications industry strongly opposes so-called net neutrality rules. president barack obama may have reduce the the threat of a missile attack on eastern europe by canceling a plan to protect the region from just such an attack.

find out why. ir ♪ do you need anybody! free hot breakfast. real value from your friends at hampton. so, at national, i go right past the counter... and you get to choose any car in the aisle. choose any car? you cannot be serious! okay. seriously, you choose. go national. go like a pro. kelly saunder's nature valley. ♪ the place that inspires her to go faster... ♪ and slower. ♪ elk mountains, colorado. where's yours? 100% natural nature valley granola bars. the taste nature intended. it's what doctors recommend most for headaches.

for arthritis pain... in your hands... knees... and back. for little bodies with fevers.. and big bodies on high blood pressure medicine. tylenol works with your body... in a way other pain relievers don't... so you feel better... knowing doctors recommend tylenol... more than any other brand of pain reliever. president obama will host the g-20 leaders next week. the president said the summit

will be a good chance for review of what each country has done to fight the economic downturn. he also said although global economic conditions are stabilizing, that is not enough. because of the steps taken by our nations and all nations, we can now say we've stopped our economic free fall. we know stopping the bleeding isn't enough. our work is far from over. we know we have a lot to do here at home to build an economy producing good jobs for knows looking for work today. >> and republicans are keeping up their full-court press an president obama's overhaul plan. in the party's weekly address, sue myrick said the president's plan would ultimately lead to something taxpayers don't want. >> every family that confronts a serious illness should have access to the highest quality care at the lowest possible cost with no delays.

replacing your current health care with a government-run system is not the answer. these so-called health care reform bills have different names, a public option, a co-op, a trigger. make no mistake these are all gate ways to government-run health care. >> the senate finance committee is expected to start voting tuesday on a health care proposal. a man identified as the leader of the taliban is urging the u.s. and itsal lies to brush up on the history of afghanistan. the message purportedly points to the many times afghanistan has been invaded. every time the invaders left with defeat. it was left to coincide with a muslim holy day. the identity of the speaker has not been independently confirmed. germany has raised its terrorism alert level because of a new threat from al qaeda. its increasing security

measures, especially in airplanes and train stations and says a new video released by al qaeda yesterday suggests the group will hit germany if upcoming elections don't go the way it wants. some political parts want to pull german troops out of afghanistan. the video doesn't say which parties should win, but if the german people decide to continue the war, they have sealed their fate. now that the u.s. isn't putting a new missile system in poland. russia is scrapping plans on the western border. canceled a bush era effort for a system in eastern europe. well now, the deputy defense minister says that system is no longer necessary. this week the white house released a plan to improve the way it manages all oceans and coasts and great lakes. it is based on recommendations from a task force.

one member of the group says it is crucial to have a single body overseeing ocean policies ranging from everything from national security, also shipping issues, conservation as well. the panel's recommendations include creating a national ocean council to coordinate irn yus surrounding the water ways. they will replace a committee set up by president bush back in 2004. >> it is the middle of september and we all know what that means. can you believe it is almost the holiday season when many of us overspend? hln money expert clark howard has a few holiday strategies right now that help you give more but spend less. >> you may think i don't have a calendar in my head. but i know that it's not christmas time. why would i talk to you about christmas already? well, because you got to plan for christmas.

most people don't think about what they can afford to spend at christmas time. and don't really make the list and check who's been naughty or nice and reduce the people you're going to give to. keep it within a budget. i want you to be nice to your wallet and nice to yourself. now, i want to you start preparing for how you're going to pay for stuff for christmas. if you're unemployed or underemployed right now, maybe you use the next few months to make stuff for people or do something special for people on your christmas list instead of dealing that the answer is the spend money on them. don't spend what you don't have. i'm clark howard, for more ways to take control, go to cnn.com/clarkhoward. >> don't miss "clark howard's" show at noon eastern. it lasted 72 years but this

year cbs pulled the plug on "guiding light." we'll look back at soap opera that survived cheating, deaths, scandals even a cloning. [ horns honking ] ♪ today ♪ must have been one of the strangest days ♪ everyone may face the same uncertainty. ♪ some would say that you won't find ♪ protecting yourself, however, requires good decisions. find strength and stability with mass mutual, a company owned by its policyholders. ask your advisor or visit massmutual.com. progresso. hi. we love your weight watchers endorsed soups but my husband looks the way he did 20 years ago. well that's great. you haven't seen him... my other can is ringing. progresso. hey can you tell my wife to relax and enjoy the view? (announcer) progresso. you gotta taste this soup.

new aches and pains, ...and new questions about which pain reliever is right for your body. tylenol 8 hour works with your body, with one layer that dissolves quickly... ...one layer that lasts all y ...and no layers that irritate your stomach the way that ibuprofen can. it's tough on your body pain. not on your body.

a huge break in the murder of a yale grad student. a lab technician. arrested and charged today in the death of annie le. raymond clark iii accused of @@ strangling a bride to be. what kind of relationship did he have with annie le? plus, new developments surrounding casey anthony, two new people said to be grilled in the murder case. her brother's girlfriend and a private investigator who worked for the anthony family. a little girl is dead and they may have inside knowledge. what did they know. call in on these topics.

e-mail me cnn.com/primenews or text us at hln tv. it's your chance to be heard. >> controversy, opinion, your point of view. this is "prime news."÷ú >> welcome this is prime news, first some breaking news, a story we've been covering for you on a daily basis. a jury in louisville announced its decision in the trial of a high school football coach charged in the death of one i have his players, the verdict not guilty on two counts, reckless home and wanton endanger. . max collapsed and died, a very intense practice on a hot august day. the emotional reaction, you could almost here it in the background, tears, tears of joy for the coach and his family. we'll continue to follow this for you. we'll have more a little bit later on. a couple of things to look at. what did they fail to prove.

legal definition of recklessly faming e failing to perceive a . obviously the prosecution could not prove this. we'll talk about the case for me personally, what can we learn from this? hopefully coaches are taking note of this and we'll be wiser in the way we train our kids. now to this story, another story we're following intensely. the man suspected of killing a yale grad student is behind bars. police in new haven connecticut arrested raymond clark just this morning today he was charged in the death of annie le. he was 24. and say he strangle the this innocent bride to be and stuffed her body in a wall. did he know her? if so, what kind of relationship did they have? >> they both worked at the @@ staple research lab, same building. he had access to her. here's what police are saying.

>> i think it's important to note, this is not about urban crime or university crime. it's not about domestic crime.@@ an issue of workplace violence, which is becoming a growing concern around the country. >> all right, there you go. workplace violence. we'll talk about that. i want to hear from you, 1-877-tell-hln. feel free to call in. we welcome back dr. clay watson, forensic psychologist and michelle dupree and marsha chambers, editor for the branford eagle. let's start with you, what kind of relationship did raymond clark iii have with the victim? >> not cleefr clear with a the relationship was. they were in the same lab for

three years. she came to yale about three years ago. and he was a techie, which is a kind of a nicely put word for a guy who cleaned the cages and took care of the rats and rodents and apparently he had certain standards and they were i gather involved in some sort of e-mail relationship because he was concerned she wasn't taking good enough clean enough care of the animals. that's still speculative. the police have been pretty quiet about exactly what happened. but that's the basic situation. they were in contact. >> okay. marsha, getting the e-fail exchange back and forth, interesting when you talk about someone with standards like that, very intense standards, that's the picture you're painting. can you tell us where that information is coming from? >> it's the scuttle but around, not affirmed specifically. the cops are being pretty close

to the vest on this case. so -- >> got you. okay, cnn, hln not able to confirm that. we have so many questions about this. when we talk evidence let's bring in michelle dupree. does this mean his dna was all over this crime scene? >> it probably means that they at least found some on the crime scene or on the body, absolutely. >> what we know here, they select 250 pieces of evidence. seems like a pretty quick turn ÷ around to get the arrest. what do you think they found? how do they connect the dots? >> they may have found cells under the fingernails that would match the suspects, some kind of fluid, anything that would give them dna. >> that's what we have here. an arrest, raymond clark iii. who is this guy?@@

richard levin talked about that. give us a little thumb nail of who raymond clark iii is? >> he has been a lab technician since december of 2004. his supervisor reports that nothing in the history of his employment here gave any indication that his involvement in such a crime might be possible. it is very disturbing to think that a university employee might have committed this terrible crime. but as i reminded our community, we must not let this incident shatter our trust in one another. >> okay. again, let's go back to marsha chambers, editor of the branford eagle. did he have any violent criminal history? >> he doesn't have any violent criminal history except one incident that we can report and that i reported on that appeared in the new haven independent. that occurred on september 29th,

2003. when both he and his then girlfriend or -- former girlfriend were both seniors at branford high school. she wanted to break up with him and he was very disturbed about that and confronted her in the hallway or near where they had lockers and a dispute occurred. the situation was bad enough that the pribs pal summoned the police and when the police came they told clark he was not to have any further contact with the girl. and then the school officials said they would clean up the locker and take care of that part. that occurred in 2003. then a few days later, the girl came to the police station with her mother. and she told police that shehood a sexual relationship with clark for a while. and that at one point he forced her to have sex with him. the relationship however continued despite that. >> the relationship continued after that? >> yes, it did continue.

this is in the context of the continuation. at this point in september of 2003, she wanted to break up. she was at that point also concerned about what he might do as a result of break-up. she was fearful in some way. she wanted to let police know that and also told them she would not press criminal charges. the detective who was assigned to the case did notify clark's parents about the situation. his parents, they did live in branford for a number of years. and so that incident occurred but it did not result in any arrest. >> okay. all right. >> let's take a quick break here. when we come back we'll get dr. clay watson in on that, a history of an incident like @@ that. we'll take your calls. stay with us. "ilooks like nothie on the road right now," proclaims "gq" magazine. did you see that? the interior "positively oozes class," raves "car magazine." "slick and sensuous," boasts "the washington times."

"the most striking vw in recent memory," declares-- okay, i get it already. i think we were in a car commercial. ♪ yeah ♪ yeah. [ thunder rumbles ] what is the sign of a good decision? in the world of personal finance, it's massmutual. find strength and stability in a company that's owned by its policyholders. ask your advisor or visit massmutual.com. you should know, bayer aspirin is one of most studied, most trusted, anti-fever, anti-inflammatory, and anti-pain medications in the world. from pain killer to life saver, bayer aspirin is the wonder drug that works wonders.

stay any 2, 3, or 4 nights between september 13th and november 22nd, and you can earn double, triple, or even quadruple points when you pay with your mastercard card. triple-a members can get even more. better values, best western. for details, visit bestwestern.com.

welcome back to "prime news." reading some facebook responses. there's the man arrested charged with the murder, raymond clark iii. worked in the same lab at yale university with annie le. let me read a comment here. this is from theresa g. i can't figure out what in a lab would make him so angry to kill someone, especially since he doesn't seem to have a history. we just talked with marsha chambers about an incident in high school where he showed somewhat violent behavior. let's bring in clay watson. lots to digest here. what are you seeing here as a possible motive for raymond

clark iii? >> the first piece is it's important to note there was a history of violence for this young man. and that gives us an idea of whether or not this person is capable of violence in the future. now, whether or not he has a particular motive now, we're not sure. we're still figuring these things out. but based on what we've heard so far is issues of control. been rejected in the past it sounds like and became violent with high school girlfriend. and then there a blow to his self-esteem that may for him have enraged him and he needed to regain that. in a situation you can imagine with miss le. if she confronted him or criticized him in some way or even this e-mail exchange where she wasn't doing things the way he wanted her to. there may have been a confrontation and possibly he became enraged and the only way to regain sense of power and control was to become violent. >> marsha, what was the working

relationship that we know between them? she, annie le was researching. and he basically did custodial work. she would have been above him in that setting, correct? >> not only that. she was a phd student and student in the med school. she certainly had enormous promise. she was in effect her parents were actually was interesting because she's vietnamese and he was a member of an asian club in high school. a girl had done superbly.pp >> a couple of things to hit on there. clay, let me go back to you. from what we're hearing, it's not like there's a personality disorder. an honor student, likeable guy. how do you go from that to what@ we could have here? >> this is what makes it so shocking. unfortunately for many of the

viewers who and certainly myself as well, we would really like to feel comfortable that we pick out the man in the room and say, this is a person that would likely to behave this way. in all actualalty many people -- it's possible for many people to do lots of extreme things. most of us have some mechanism in place to put the brakes on when we become enraged. but for some people the brakes for one reason or another under certain circumstances they are not there. and it goes to the extreme and the behavior is such that it's shocking to all of us. >> let me get back to marsha chambers. as you relay the e-mail exchange was there an undercurrent of anger? >> this is just what -- i don't know. i think the police will be able to get to that and to explain it. and i agree that it's very diic