federal agents have charged three men with making false statements in a terror investigation. they brought in a 24-year-old man and his father outside denver yesterday. another man was arrested in new york. all three will appear in court tomorrow. the bodies of six italian soldiers killed in afghanistan are in rome now. they were killed in a car bombing in kabul yesterday. 20 afghan civilians also died in the attack. and muslims around the world are saying good-bye to the month-long fasting of ramadan. they're bringing in three days of celebrations that include community prayers, acts of charity and gift giving. some say it's like christmas,

thanks giving and new year's rolled into one. that's a quick check of your headlines this sunday morning. i'm natasha curry. ohio was going to try again this week to put convicted murderer row nell broom to death. his lethal injection had to be stopped because technicians couldn't find a vein. a federal judge issued a temporary halt to a second execution. the governor even issued a one-week reprieve. brian todd looks at what went wrong the first time. >> reporter: just 17 steps from the room where he would be put to death, broom was helping his executioners. he laid on his side, flexed his muscles to help him find a vein. for two hours they tried. he says they pricked him 18 times. his lawyer gave other details to cnn. >> there were attempts made in parts of the body where bone was hit. that was xruexcruciating. >> reporter: it all happened tuesday. broom convicted of raping and

murderi ining 14-year-old girl years ago never made it out of the preparation chamber. officials were going to bring him back to die next tuesday, but broom's lawyers have just succeeded in delaying it and want to stop it completely. they say bringing him back to die would be cruel and unusual punishment, a violation of his civil rights. the head of the prosecutor's office in the county where the crime occurred is furious. >> it's really ironic in that this defendant and his lawyer are whining about getting pricked with a needle when he stood over this 14-year-old girl after he raped her and then stabbed her and plunged a knife into her seven times. >> reporter: but broom's lawyers also want to dhang the way lethal injections are done in ohio. i spoke about that with richard deeter of the death penalty information center. deeter says his group chronicles executions, doesn't take a moral position on the death penalty but it has been critical of how

they're carried out. >> and the gist of the issue here is the protocol in ohio, which is similar to other states. >> reporter: yes. i mean, this is a complicated protocol involving three drugs administered by people who are not doctors but, rather, who are guardeds and there are going to be complications when you deal with the human physiology. >> reporter: ohio prison officials say the vein insertions are done by what they call the execution staff, not doctors. but they say those people have to be trained as emts or paramedics. >> do i have confidence in the process? yes. do i have confidence in my team? absolutely, positively yes. >> reporter: we're told by broom's lawyers that that prison official terry collins actually thank eed broom later for his cooperation while trying to execute him. brian todd, cnn, washington. if you live in the northeast and saw you some strange lights in the sky last night, you weren't alone. the mysterious sight sparked a flurry of phone calls to authorities and some described the lights as spooky and worried about extraterrestrial visitors.

nas at that launched a rocket around that time in virginia and the blast may have caused the commotion and caused the lights. on tuesday, president obama will host talks between israel's prime minister and the palestinian authority president. the white house says that he's going to talk to both leaders separately before all three meet together. palestinian authority president mahmoud abbas has rejected talks with israel. he wants settlement building in the west bank and predominantly palestinian east jerusalem to stop. israel's government has ignored similar demands made by the obama administration. a massive man hunt is under way right now in washington state for a legally insane killer. phillip paul escaped while patients from a mental hospital were visiting the spokane county fair. a representative for the hospital workers union said it had become concerned about the type of patients allowed to participate in such outings. >> i think the questions that's

are being raised are absolutely appropriate and the governor and i this morning when we spoke, some of the most serious questions i have about this are the policies and procedures that led to the outing, the choice of the outing. >> paul was committed after he was found not guilty by reason of insanity in a 1987 slaying of an elderly woman. he escaped in 1991 during a day trip to a washington lake and was later recaptured. an aspiring rapper who posted songs on his web page about the thrill of murder is a suspect in the deaths of four people. yesterday virginia police arrested the man. on friday they discovered four bodies near richmond at the home of a university professor. the man was arrested at a richmond airport. police say he was waiting for a flight back to california. it isn't clear if he even knew the victims. he's charged with murder, robbery, and grand larceny. the father of a 4-year-old boy is in jail because the boy

shared cocaine with friends at a day care. police in new jersey say that the man put several baggies in his son's jacket after police nearly caught him with it. his son shared the drugs with three other 4-year-olds at day care apparently because his dad told them that it was candy. a teacher called police after seeing a girl with a baggy in her mouth. none of the children was hurt. the man is in jail on 400,0$400 bail. should more of our tax dollars be used to stabilize home prices? that's a question that congress is going to have to answer soon. jennifer westhoven is looking out for you yand your money. >> hope you're enjoying your september weekend. the time is running out to take advantage of that first-time home buyers tax credit. there's a lot of talk about it in washington. the credit ends on september 1 hst. should they extend it?

there are six proposals to keep it going. a lot of people credit the tax credit in helping to rescue the housing market. you should know the flip side, it does cost a lot. already $14 billion so far of government money, that's money that belongs to you and me. some of the ideas out there are to extend it for a year and there are some ideas to even expand it. realtors, as you can imagine, they want to make it juicier and want it to be $15,000 and they want anyone to be able to get it, not just first-time home buyers and regardless of income. the bottom line, it is a popular program and politicians often like to keep the popular programs going. >> thanks, jen. you can get more great money advice from jennifer westhoven each weekday on "morning express" from 6:00 to 10:00 a.m. easte easte

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a new luxury resort is opening in a florida county hit especially hard by unemployment. that means a few more jobs will be available, but as max from wink explains, the competition for those jobs is fierce. >> reporter: people waited in one line, then sat patiently in another. >> two hours in line here. i heard about this, and i took advantage of it immediately. sounded like something i would hopefully get lucky at. >> reporter: this man was laid off two days ago, now applying for a job at marina village in cape coral. >> i'm looking for a deli clerk position. >> reporter: in lee county, the unemployment rate is 13.5%. those numbers show here where an estimated 2,000 people will apply for around 150 jobs.

marketing manager jen seeborn oversees day two of the job fair. >> just processed about 400 people already and it's almost 11:30. >> reporter: it's a busy day, but she knows what to look for. >> positive attitude and an open mind. it's been difficult for some we speak with here in the hunt for a job. >> reporter: there are also people like tiffany who have a job but want to advance. >> fresh out of college, just trying to work my way up in hospitality, what i got my degree in. >> reporter: construction is nearly finished, which means more jobs will be available in the shopping center surrounding the hotel. for now, this man keeps looking. >> reporter: on the hunt. doing whatever i can. >> reporter: hoping his next job comes sooner than later. in cape coral, wink news now. >> this is like a pregnant woman dream come true. a man won almost 4,000 bucks in back-to-back eating contests. in louisiana, bob shout ate 19 pounds of grits in ten minutes

yesterday and won $2200. on friday, he won 1500 bucks for eating 33 1/2 burritos in ten minutes at another competition in new mexico. next weekend, shout heads to tennessee for a hamburger eating contest. the winner gets a $2$20,000 pri. i'll take him on! i'm larry smith. when lane was hired last december as tennessee's head coach, he boasted he would beat florida this season. one of many verbal gaffes in recent months. it was a quiet night in his neighborhood, top-ranked florida taking on tennessee. tebow left berry. under two minutes to go, it's the tennessee quarterback trying to bring the quarterback back. florida gets the win 23-13.

did you see what david beckham did last night? watch this. steals the ball from the defender, ball alive, gets it to land, great assist here, in for the goal. the stars align for the galaxy as they get the win. italy is a wonderful place. why does soccer legend keep visiting? his $6,000 earrings were taken on a recent trip after they confiscated two rolexs after trips last year. why? italian officials says he owes them $46 million in back-taxes from his playing days there and ordered his possessions to be taken in an attempt to pay that debt. stay home! it's a dirty job, but the marines are happy to do it. the 16th annual marine corps mud run in south carolina has become a big deal. proceeds assist families of marines who have been wounded or

killed in active duty. great job to all. now you go take a shower. we're used to seeds being planted in the ground to make things grow and scientists are taking that same concept to the skies. >> why don't we, in turn, start looking about drilling up into the atmosphere? >> but a major drought is making it tough for clouds to be coaxed into making more rain. from dizzy to dogs. craig cook learn his trade in an unexpected place. >> when i was in my senior year in college i spent a semester at wall disney world. i knew back then i wanted to create a company that has that same sense of magic. >> reporter: craig took what he learned about a mouse and handed it to the dogs. first he moonlighted as a dog walker while keeping his day job. on weekends he volunteered at an animal shelter. he took his business proposal to the small business

administration and secured a $100,000 loan. that helped him to open wag-a-lot, one of the country's first doggie day cares. >> more than anything, it was a leap of faith in following my gut. much more than following some marketing analysis than that i did. i thought anywhere i am as long as it's convenient for customers to drop off their dog on the way to work it would work. >> reporter: it worked. wag-a-lot turned a profit in two months. now he's ready to franchise. >> disney had this idea of creating kind of this cool playground. in a way, that's what i've done with dogs. hey, it's great to see you're back after that accident. well...i couldn't have gotten by without aflac! is that different from health insurance? well yeah... ...aflac pays you cash to help with the bills that health insurance doesn't cover. really?

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former gop presidential candidate mitt romney is taking aim at president barack obama. he addressed the annual values voters summit yesterday and said that the president's policies will cripple the country and is fueling a growing political

rebellion by conservatives. he also taunted democrats. >> only about a year ago there were quite a few people in this city who were ready to write off this conservative movement. they were enthralled by barack obama's promise of near-biblical transformations. their legs were tingling. he spoke majestically framed by greek columns. well, he can spin a speech, but he can't spin his record. and i'll bet you never dreamed that you'd look back at jimmy carter as the good old days. >> and romney may have warmed the crowd but it's his former rival mike huckabee who has their vote. a straw poll shows that huckabee is the favorite among religious conservatives to be president in 2012. the poll was conducted at the summit. huckabee topped with 28%. four people tied for second with 12%, including romney and former alaska governor sarah palin.

texas has been in a drought for the last two years and recent storms haven't brought much relief. as natalie stole from kxan reports, scientists are are trying to see if they can manipulate nature a bit and turn things around. >> reporter: these scientists fly right at thunderstorms, high-tech rain farmers planting seeds in the clouds to help them rain longer. >> essentially we're giving the clouds sort of a shot of adrenaline. >> reporter: pilots navigate an updraft and set off several eye owe died flares, a chemical that mimics ice crystals and travels through the storm attracting water droplets. when they become too heavy, the ice falls and melts on its way down. more crystals means more rain. back on the ground, the scientists wait. >> the seeding happens right about mehere and we notice everything is still increasing as far as the liquid in the cloud. >> reporter: storms grow larger

but not stronger. they estimate over two times as much of rain falls from seeded clouds. >> because we don't create rain from thin air, we have to work with what's out there. >> we're or modifying the weather on such a small scale, we know today, as we knew 20 years ago, that you have to work with the hand that mother nature deals you. >> reporter: and in a severe drought, a lack of moisture means fewer clouds to seed. cloud seeding a long-term water management strategy, not a quick fix. >> i feel a really thick shower due west of here. >> reporter: weather modification isn't new. cloud seeding started as a way to suppress large hail in the 1970s. >> i was fascinated at the impact that seeding, using just a couple of airplanes could have on a monstrous thunderstorm. >> reporter: but after years of research, bomar believes widespread weather modification techniques are around the

corner. >> always before, we thought the key to growth was finding additional water down below. why don't we, in turn, start looking about drilling up into the atmosphere? because the marvelous thing about the atmosphere is it's replenished every day. >> and that was natalie stole from affiliate kxan. individual water conservation districts in texas pay four cents an acre to seed toclouds over their counties. new proposals would prohibit internet service providers, including wireless companies, from block organize 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 opposed so-called net

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fbi agents made a decisive move and arrested a man at the center of a terror plot investigation and najibullah zazi isn't the only suspect who got cuffed. a rapper who calls himself psych sam arrested in connection with the deaths of four people. police believe his dark lyrics may have become a gruesome reality. and there's a massive manhunt on for a legally insane killer in washington state. he escaped two days ago, and this isn't the first getaway since he was committed. hi there, hope you're having a great sunday so far. i'm natasha curry. thanks for spending part of your weekend here with us on hln. we begin with new developments in an alleged terror plot

involving a colorado man. late last night, fbi agents arrested najibullah zazi outside his home in denver. zazi's father and a third man in new york city were also arrested, all of them on charges of making false statements to federal agents. the extensive probe into a plot to detonate bombs in the u.s. came to light last week after raids in new york and sources say that a railroad or subway station may have been the target. zazi is expected to appear in a federal court tomorrow. now that the fbi's arrested zazi, we are learning more about some of the details of the case. jeanne meserve looks at where the trail has led investigators. >> you can see just smoke and debris and fire on the ground. >> reporter: it was a truck bomb that devastated the murrah federal building in oklahoma city in 1995, killing 158 people. and cnn has learned that concerns about a truck bomb figure into the current investigation of the alleged new

york/denver terror plot. at this u-haul outlet in queens new york, has been a focus for law enforcement. according to a foreign counterterrorism official familiar with the investigation, a group of afghan men tried to rent a truck here on september 9th, just two days before the 9/11 anniversary. it was the same day najibullah zazi, the man at the center of the investigation, was driving to new york from denver, carrying, according to sources, video of grand central station and instructions on bomb making. according to the source, the men showed licenses from ohio and florida as u-haul employees have identified two of them from fbi photographs. one led zazi stay in his apartment while he was in new york. the apartment has been searched and khan questioned, but saturday khan denied having anything too with an attempted truck rental or terrorism. >> i am not involved in this and the story comes, every story not true. as such as we have, the u-haul

story. >> reporter: the source says the other man identified by u-haul employees owned this muslim burial service. his name, akmad afzali. he has also denied involvement according to the source. at the fbi offices in downtown denver, scheduled talks between zazi and the fbi were canceled saturday because they contested assertions that zazi has admitted ties to al qaeda. quote, it's not true, i have nothing to hide, zazi reportedly said to the "denver post." >> and that was jeanne meserve reporting. and we're constantly getting new information on this case. so stay tuned to hln this weekend for any new developments. on tuesday, president obama will host talks between israel's prime minister and the palestinian authority president. the white house says that he's going to talk to both leaders separately before all three meet

together. palestinian authority president mahmoud abbas has rejected resuming talks with israel. he wants settlement building in the west bank and predominantly palestinian east jerusalem to stop. israel's government has ignored similar demands made by the obama administration. if you live in the northeast and saw some strange lights in the sky last night, you weren't alone. the mysterious sights sparked a flurry of phone calls to authorities and some people described the lights as spooky and worried about extraterrestrial visitors. well, turns out that nasa launched a rocket in virginia around that time. it says that the blast may have created the mysterious lying yi and caused the commotion. a massive manhunt is under way right now in washington state for a legally insane killer. phillip paul escaped while patients from a medicinal hospital were visiting the spokane county fair. a representative for the workers union says it had become concerned about the type of

patients allowed to participant in such outings. >> i think the questions that are being raised are absolutely appropriate and the governor and i, just this morning when we spoke, some of the most serious questions i have about this are the policies and the procedures that led to the outing, the choice of the outing. >> paul was committed after he was found not guilty by reason of insanity in the 1987 slaying of an elderly woman. he escaped in 1991 during a day trip to a washington lake and was later recaptured. an aspiring rapper who posted songs on his web page about the thrill of murder is a suspect in the deaths of four people. yesterday, virginia police arrested richard mckrauski iii here. on friday, they discovered four bodies near richmond at the home of a university professor. mckrauski was arrested at a richmond airport. police say he was waiting for a flight back to california. it wasn't clear if he even knew the victims. he's charged with murder, robbery, and grand larceny. the father of a 4-year-old

boy is in jail because the boy shared cocaine with friends at a day care. police in new jersey say that he put several baggies in his son's jacket after police nearly caught him with it. hiss son shared the drugs with three other 4-year-olds at day care, apparently because his dad told him it was candy. a teacher called police after seeing a girl with a baggy in her mouth. none of the children was hurt. wright is in jail on $400,000 bail. all right. so are we in store for more rough weather and rain in the south? let's check in with meteorologist karen maginnis for the latest on our forecast. >> we have still kind of the same weather pattern across the southeast, but finally that area of low pressure bringing in all that tropical moisture is now moving away. but as it does, it's just going to do it very leisurely. so still some areas in the deep south can expect between 2 and 4 inches of additional rainfall. we saw record amounts of rainfall in birmingham

yesterday. a little more than 2 1/2 inches for atlanta, between 3 and 5 inches. but officially just under 4 inches at the airport. cooler weather conditions across montana. they were looking at temperatures in the 90s. record-setting temperatures yesterday. but going boo this afternoon, cooler and even cooler than that going in towards monday. how about some high temperatures? this is what we're expecting. denver, 76 degrees. slightly cooler, but maybe only in the 60s going into monday. right around the bay area, though, we could see some 90s. so the risk of the fire hazard is going to go up with the offshore flow, the dry humidity, and the gusty conditions going in towards monday. and temperatures still on the cool side, coolish side across the deep south because of the cloud cover and the rainfall. for hln, i'm karen maginnis. one year ago, the university of washington didn't win a single football game. but yesterday the huskies did

something to make their fans forget all of that. and you would think shopping on 19 pounds of grits would be enough competitive eating for a day, but it wasn't enough for one day. he actually added a couple dozen burritos to the mix. hi, there. i'm robin meade. hope you're loving your weekend. here's a look at what's going on in the week ahead. tonight's prime-time emmy awards will be packed with stars. first thing monday morning, we'll show you the big winners, all the fashion highlights, the big moments on the red carpet and the show. plus, a trial is set to begin monday for the man accused of murdering a doctor in church. dr. george tiller provided abortions at a kansas clinic. scott roeder has pleaded not guilty to gunning down tiller in may. plus, president obama will join world leaders at the g-20 summit on thursday in pittsburgh. those stories and much more

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a new luxury resort is opening in a florida county hit especially hard by unemployment. and that means a few more jobs will be available, but as max turnier from affiliate wink explains, the competition for those jobs is fierce. >> reporter: people waited in one line and then sat patiently in another. >> two hours in line here. i heard about this and i took advantage of it immediately and sounded like something i would come down here, hopefully get lucky with. >> reporter: zander was laid off two days ago. >> i'm looking for a deli clerk. >> reporter: florida had an unemployment rate of 10.7%. those numbers show here in cape coral where an estimated 200

people wi 0 people will apply for about 150 jobs. it's a busy day, but she knows what to look for. >> a positive attitude and a good mind. i know it's been difficult. >> reporter: there are also people like tiffany who have a job, but want to advance. >> fresh out of college, just trying to work my way up in hospitality. that's what i got my degree on. >> reporter: construction is nearly finished and that means more jobs will be available in the shopping center surrounding the hotel. for now, sergy keeps looking. hoping his next job comes sooner than later. in cape coral, max turnier. a man won almost $4,000 for stuffing his face with burritos and grits in back-to-back eating contests. in louisiana, bob shout ate 19 pounds of grits in ten minutes

yesterday and won $2,200. on friday, he won $1,500 for eating 33 1/2 burritos in ten pistons at another competition in new mexico. next weekend, shout heads to tennessee for a hamburger eating contest. the winner gets a $20,000 prize. i'll take him on. i'm larry smith. two things you can count on in college football. usc winning a lot of games and almost yearly, usc losing a game that they should easily win. their trojan powerhouse going into seattle to face washington on saturday. number three team in the country, but they really struggled. three turnovers in washington terrify territory, including that interception there by donald butler, we're tied at 13. jake locker to jermaine kurt, the big gain. and with seconds left, eric folk, 22 yards out and the huskies score the upset. 16-13, they get the win in husky land. did you see in the oklahoma/tulsa game, this is

adrian and the quarterback, their shoes get tangled up and it takes them 20 seconds to get you thi untangled. great video from the cardinals game. brendan ryan, deep fly ball that goes off the outfielder's glove and into stands for the home run, in the bull pen. to be the game winner. a very special play of the day. missouri high school freshman matt zezel. on the final play of the game, with some assistance from the opposition, zezel ran more than 60 yards for the touchdown and there was ant dry eye in the place. matt ziesel, our special play of the day. everyone wants to spend more and save less and we've got just the guy to help you. join hln money expert clark howard at noon eastern.

he'll show you ways to save more, spend less, and avoid getting ripped off. we're used to seeds being planted in the ground to make things grow and scientists are taking that same concept to the skies. >> why don't we, in turn, start looking about drilling up into the atmosphere? >> but a major drought's making it tough for clouds to be coaxed into making more rain. pure cane sugar and the stevia plant. two of nature's sweetest wonders growing together under the same sun. and now for the first time, in new sun crystals ® .

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former gop presidential candidate mitt romney the taking aim at president obama. he addressed the annual values voters summit yesterday and he said that the president's policies will cripple the country and is fueling a growing political rebellion by conservatives. he also taunted democrats. >> only about a year ago, there were quite a few people in this city who were ready to write off this conservative movement. they were enthralled by barack obama's promise of near-biblical transformations. their legs were tingling. he spoke majestically framed by greek columns. well, he can spin a speech, but he can't spin his record. and i bet you never dreamed that you'd look back at jimmy carter as the good old days. >> and romney may have warmed the crowd, but it's his conservative rival mike huckabee who has their votes. a straw poll shows that huckabee is the favorite among religious

conservatives to be president in 2012. the poll was conducted at the summit. huckabee topped with 28%. four people tied for second with 12%, including romney and former alaska governor, sarah palin. a 5.1 magnitude quake in mexico shook parts of southern california and arizona yesterday. people in san diego reported feeling it and they were 120 miles away from the epicenter. several aftershocks followed too. the largest one was a magnitude 4.2. the taliban's reclusive leader says that thing fight against coalition troops in afghanistan is surging ahead like, quote, a powerful flood. the message allegedly from mullah omar surfaced saturday on the internet. the speaker says that the fight against u.s. and foreign forces is on the verge of victory. the message was released to coincide with the muslim holy day. next month marks the eight-anniversary of the u.s.-led invasion of

afghanistan. the identity of the speaker has not been independently confirmed. texas has been in a drought for the last two years and recent storms haven't brought much relief. as natalie stole from affiliate kxna explains, scientists are trying to see if they can manipulate nature a little bit and turn things around. >> i see one, two, three, four, five, six, seven little showers. >> reporter: these scientists fly right at thunderstorms, high-tech rain farmers planting seeds in the clouds to help them rain longer. >> essentially, we're giving the clouds a shot of adrenaline. >> reporter: pilots navigate through a growing thunderstorm's updraft and set off silver iodine flares. it attracts supercooled water dropl droplets. when they become too heavy, the ice falls and melts on its way down. more ice crystals mean more rain. back on the ground, the scientists wait. >> the seeding happens right about here and we notice that

everything is still increasing as far as the liquid in the clouds. >> reporter: storms grow larger, but not stronger. they estimate over two times as much rain falls from seeded clouds. >> because we don't create rain from thin air, we have to work with what's out there. >> we're seeding or modifying the weather on such a small scale, we know today, as we knew 20 years ago, that you have to work with the hand that mother nature deals you. >> reporter: and in a severe drought, a lack of moisture means fewer clouds to seed. bomar says cloud seeding is a long-term water management strategy, not a quick fix. >> i feel a really thick shower due west of here. >> reporter: weather modification isn't new. cloud seeding started as a way to suppress large hail in the 1970s. >> i was fascinated at the impact that seeding, using just a couple of airplanes could have on a monstrous thunderstorm. >> reporter: but after years of research, bomar believes widespread weather modification techniques are around the

corner. >> always before, we thought the key to growth was finding additional water down below. why don't we, in turn, start looking about drilling up into the atmosphere? because the marvelous thing about the atmosphere is it's replenished every day. >> and that was natalie stole from affiliate kxan. individual water conservation districts in texas pay four cents an acre to seed clouds over their counties. federal regulators are reportedly preparing new rules to make sure that your access to the internet won't be limited. the proposals would 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.

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statements in a terror investigation. they brought in a 24-year-old man and his father outside denver yesterday. another man was arrested in new york. all three will appear in court tomorrow. the bodies of six italian soldiers killed in afghanistan are in rome now. they were killed in a car bombing in kabul yesterday. 20 afghan civilians also died in the attack. and muslims around the world are saying good-bye to the month-long fasting of ramadan. they're bringing in three days of celebrations that include community prayers, acts of charity, and gift giving. some say it's like christmas,

thanksgiving, and new year's rolled into one. and that's a quick check of your headlines on hln this sunday morning. i'm natasha curry. well, ohio was going to try again this week to put convicted murderer romel broom to death. his lethal injection had to be stopped because technicians couldn't fine a vein. a federal judge issued a temporary halt to a second execution. the governor even issued a one-week reprieve. brian todd looks at what went wrong the first time. >> reporter: just 1 steps from the room where he'd be put to death, romel broom was helping his executioners. he laid on his side, flexing his muscles to try to get a vein. they bricked him 18 times. his lawyer gave other details to cnn. >> there are attempts made in parts of the body where bone was hit which was exkrucruciatingin

for mr. broom. broom never made it out of the preparation chamber. ohio's governor postponed he has execution for a week. officials were going to bring him back to die next tuesday, but broom's lawyer have just succeeded in delaying it and want to stop it completely. they say bringing him back to die would be cruel and unusual punishment, a violation of his civil rights. the head of the prosecutor's office in the county where the crime occurred is furious. >> it's really ironic in that this defendant and his lawyer are whining about getting bri t pricked with a needle after he was standing over this 17-year-old girl after he raped her and stabbed her 17 times. >> i spoke with richard dieter of the death penalty information center. dieter he has his group chronicles executions doesn't take a moral position on the death penalty, but it has been

critical of how they're carried pout. >> and the gist of the issue here is the protocol in ohio, which is similar to other states. >> yes. this is a complicated protocol involving three drugs administered by people who are not doctors, but rather who are guards. and there are going to be complications when you're dealing with the human physiology. >> reporter: ohio prison officials say the vein insertions are done by what they call the execution staff, not doctors. but they say those people have to be trained as emts or paramedics. >> do i have confidence in the process? yes. do i have confidence in my team? absolutely, positively yes. >> reporter: we're told by broom's lawyers that that prison official, terry collins, thanked broom later for all the cooperation he gave when they were trying to execute him. brian todd, cnn, washington. if you live in the northeast and saw some strange lights in the sky last night, you weren't alone. the mysterious sights sparked a flurry of phone calls to authorities and some people described the lights as spooky and worried about extra

terrestrial visitors. turns out nasa launched a rocket in virginia around that time. it says the blast may have created the mysterious lights and caused the commotion. on tuesday, president obama will host talks between israel's prime minister and the palestinian authority president. the white house says that he's going to talk to both leaders separately before all three meet together. palestinian authority president mahmoud abbas has rejected resuming talks with israel. he wants settlement building in the west bank and predominantly palestinian east jerusalem to stop. israel's government has ignored similar demands made by the obama administration. a massive manhunt is under way right now in washington state for a legally insane killer. phillip paul escaped while patients from a mental hospital were visiting the spokane county fair. a representative for the hospital workers' union said it had become concerned about the type of patients allowed to participant in such outings.

>> i think the questions that are being raised are absolutely appropriate and the governor and i, just this morning when we spoke, some of the most serious questions i have about this are the policies and the procedures that led to the outing, the choice of the outing. >> paul was committed after he was found not guilty by reason of insanity in the 1987 slaying of an elderly woman. he escaped in 1991 during a day trip to a washington lake and was later recaptured. an aspiring rapper who posted songs on his web page about the thrill of murder is a suspect in the deaths of four people. yesterday, virginia police arrested richard mccroskey iii here. on friday, they discovered four bodies near richmond at the home of a university professor. mccroskey was arrested at a richmond airport. police say he was waiting for a flight back to california. it isn't clear if he even knew the victims. he's charged with murder, robbery, and grand larceny. the father of a 4-year-old boy is in jail because the boy shared cocaine with friends at a

day care. police in new jersey say that he put several baggies in his son's jacket after police nearly caught him with it. his son shared the drugs with three other 4-year-olds at day care, apparently because his dad told him it was candy. a teacher called police after seeing a girl with a baggy in her mouth. none of the children was hurt. wright is in jail on $400,000 bail. all right. so are we in store for more rough weather and rain in the south? let's check in with meteorologist karen maginnis for the latest on our forecast. >> we have still kind of the same weather pattern across the southeast, but finally that area of low pressure bringing in all that tropical moisture is now moving away. but as it does, it's just going to do it very leisurely. so still some areas in the deep south can expect between 2 and 4 inches of additional rainfall. we saw record amounts of rainfall in birmingham yesterday. a little more than 2 1/2 inches

for atlanta, between 3 and 5 inches. but officially just under 4 inches at the airport. cooler weather conditions across montana. they were looking at temperatures in the 90s. record-setting temperatures yesterday. but going into this afternoon, cooler and even cooler than that going in towards monday. how about some high temperatures? this is what we're expecting. denver, 76 degrees. slightly cooler, but maybe only in the 60s going into monday. right around the bay area, though, we could see some 90s. so the risk of the fire hazard is going to go up with the offshore flow, the dry humidity, and the gusty conditions going in towards monday. and temperatures still on the cool side, coolish side across the deep south because of the cloud cover and the rainfall. for hln, i'm karen maginnis. should more of our tax dollars be used to stabilize home prices?

well, that's a question that congress is going to have to answer soon. and our jennifer westhoven is looking out for you and your money. hey, jen. >> hey, i hope you're going your september weekend. you know, the time is running out to take advantage of that first-time home buyer's tax credit. there's a lot of talk about it in washington. the $8,000 credit ends on december 1st, so should they let the sun set on it or should they extend it? well, there are six proposals to keep it going. a lot of people credit this tax credit with helping to rescue the housing market, with stabilizing it. almost 1.5 million people have taken advantage of the credit. you should know the flip side, it does cost a lot. already, $14 billion so far of government money and that's money that belongs to you and me. but some of the ideas out there are to extend it for a year and there are some ideas to even expand it. realtors, as you can imagine, they want to make it even juicier. they want it to be $15,000 and they want anyone to be able to get it.

not just first-time home buyers, and regardless of income. the bottom line, it is a popular program and politicians often like to keep those popular programs going. i'm jennifer westhoven, looking out for you. >> thanks, jen. you can get more great money advice from jennifer westhoven each weekday on "morning express" with robin meade from 6:00 to 10:00 a.m. eastern.s. 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.

a new luxury resort is opening in a florida county hit especially hard by unemployment. and that means a few more jobs will be available, but as max turnier explains, the competition for those jobs is fierce. >> reporter: people waited in one line and then sat patiently in another. >> two hours in line here. i heard about this and i took advantage of it immediately and sounded like something i would come down here, hopefully get lucky with.

>> reporter: zander search searchy was laid off two days ago. >> i'm looking for a deli clerk. >> reporter: florida had an unemployment rate of 10.7%. in elite county, the rate is 13.5%. those numbers show here in cape coral where an estimated 2,000 people will apply for around 150 jobs. >> nice to meet you. >> reporter: marketing manager jen seaborn oversees day two of the job fair. >> we've processed about 200 people already and it's almost 11:30. >> it's a busy day, but she knows what to look for. >> a positive attitude and a good mind. i know it's been difficult. >> reporter: there are also people like tiffany who have a job, but want to advance. >> fresh out of college, just trying to work my way up in hospitality. that's what i got my degree on. >> reporter: construction is nearly finished and that means more jobs will be available in the shopping center surrounding the hotel. for now, searchy keeps looking.

>> on the hunt. on the search, man, doing whatever i can. >> reporter: hoping his next job comes sooner or later. a man won almost $4,000 for stuffing his face with burritos and grits in back-to-back eating contests. in louisiana, bob shout ate 19 pounds of grits in ten minutes yesterday and won $2,200. on friday, he won $1,500 for eating 33 1/2 burritos in ten minutes at another competition in new mexico. next weekend, shout heads to tennessee for a hamburger eating contest. the winner gets a $20,000 prize. i'll take him on. i'm larry smith. when wayne kiplin was hired last december, he boasted he would sing rocky top all night long. that was one of many verbal

gaffes. sacrifice it to say, it was a quite night in his neighborhood. top-ranked florida taking on tennessee, down, heisman trophy winner let eric barry have it. under two minutes to go, it's jonathan crumbson, the tennessee quarterback trying to bring the game back, but picked off. florida gets the win. so much for singing. and did you see what david beckham did last night. watch this. watch this play. gets it to landon donovan. great assist here, in for the goal. the stars align for the galaxy as they get the win over toronto. italy is a wonderful play, but why does soccer legend diego keep visiting? reportedly, authorities took his $6,000 earrings on a trip. this was after they confiscated two rolexes two years ago. why? italian officials claim that he

owes them $46 million in back taxes from his playing days there. and have ordered his possessions to be taken in an attempt to pay that debt. stay home. it's a dirty job but the marines are very happen to do it. the 16th annual marine corps mud run in south carolina has become a big deal. proceeds create scholarships in the names of those who have lost their names while on duty and assist families of marines who have been wounded or killed on active duty. great job for all. now go take a shower. that's sports. now, we're used to seeds being planted in the ground to make things grow and scientists are taking that same concept to the skies. >> why don't we in turn start looking about drilling up into the atmosphere? >> a major drought's making it tough for clouds to be coaxed into making more rain.

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he also taunted democrats. >> only about a year ago, there were quite a few people in this city who were ready to write off this conservative movement. they were enthralled by barack obama's promise of near-biblical transformations. their legs were tingling. he spoke majestically framed by greek columns. well, he can spin a speech, but he can't spin his record. and i bet you never dreamed that you'd look back at jimmy carter as the good old days. >> and romney may have warmed the crowd, but it's his conservative rival mike huckabee who has their votes. a straw poll shows that huckabee is the favorite among religious conservatives to be president in 2012. the poll was conducted at the summit. huckabee topped with 28%. four people tied for second with 12%, including romney and former alaska governor, sarah palin.

texas has been in a drought for the last two years and recent storms haven't brought much releft. as natalie stole from affiliate kxan explains, scientists are trying to see if they can manipulate nature a little bit and turn things around. >> i see one, two, three, four, five, six, seven little showers. >> reporter: these scientists fly right at thunderstorms, high-tech rain farmers planting seeds in the clouds to help them rain longer. >> essentially, we're giving the clouds a shot of adrenaline. >> reporter: pilots navigate through a growing thunderstorm's updraft and set off silver eodide flares. it's a chemical that mimics ice crystals and travels through the storm, attracting supercooled water droplets. when they become too heavy, the ice falls and melts on its way down. more ice crystals mean more rain. back on the ground, the scientists wait. >> the seeding happens right about here and we notice that everything is still increasing as far as the liquid in the clouds. >> reporter: storms grow larger,

but not stronger. they estimate over two times as much rain falls from seeded clouds. >> because we don't create rain from thin air, we have to work with what's out there. >> we're seeding or modifying . >> we're seeding and modifying the weather on such a small scale, we know today as we knew 20 years ago that you have to work with the hand that mother nature deals you. >> reporter: and in a severe drought, a lack of moisture means fewer clouds to seed. omar says it is a long-term strategy, not a quick fix. >> really thick showers due west right now. >> reporter: weather modification isn't new. it started as a way to suppress large hail. >> i was fascinated that the fact that seeding using just a couple of airplanes could have on a thunderstorm. >> reporter: but after years of research, he believes widespread

weather modification techniques are around the corner. >> we thought the key to growth was finding additional water down below. why don't we look about drilling? because the thing about the atmosphere is that it's replaced every day. >> water districts in texas pay four cents an acre to seed clouds. federal regulators are preparing new rules to make sure your access to the internet won't be limited. it will inhibit service providers from blocking or slowing down your access to selected, online content. for example, if a cable company afters internet service, it won't be allowed to block websites. the industry strongly opposes so-called net neutrality rules. some call him rabbi rambo.

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it drives me crazy when people live an all-flash, no cash lifestyle. you see that on tv, but there's one reality star person who doesn't live that way. who lives within her means. i'm going to share her story with you in this next 30 minutes. >> ever since i can remember, i've been fascinated with money, make it, saving it, studying it. by the time i was 31, i earned enough to retire. 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.

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, knockout market share war with prices going down, down, down. now, they are what are known as two-tier players and traditional bids. tier twos are companies you may not have heard a lot about, but they're all offering unlimited calling plans generally in the range of $40 to $50. 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, you get a big slue of minutes, call anybody on at&t's network, and select five most commonly called numbers and talk to those people unlimited. about 70% of all calls that

individuals make are to just five numbers. sprint has also come out with a new rate plan. key to 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. do you have a money-saving question for me? sam, you have been dealing with some debt in your life, i gather. >> caller: 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? >> caller: well, i've 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. do you know that? >> caller: 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 make my payments up until march, even though i was not working. but i've not made a payment since march. i've decided to call the credit card company and right off the bat, they came up to me. i was telling them that i had a friend that might possibly help me with this situation. >> that's just amazing that you have a friend who is so generous. >> caller: my bill was $23,000, and if i paid them this week, 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? >> caller: i have seen 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. so, you need in writing from them -- not their words, but you need in writing that this will settle the account in full. >> caller: well, i will say this. i have actually already asked them about that, and they said normally that that does not happen. >> oh! they got not a cent of your friend's money, not a cent. 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. >> caller: it's not really a dilemma yet. i wanted your advice because you're so good at this stuff. my husband and i bought a foreclosure last year. >> congratulations. >> caller: thank you. it was fun. we fixed it up. we bought the crumbiest one we could find, fixed it up.

we were going to flip, but then house prices started going down. we thought we'll just rent it out. we have a heloc on our house. about three years ago, we got an equity line on our house before everything fell apart. we knew we'd want to get a rental one day. >> and you used that heloc to buy the rental property? >> caller: bought it for cash. >> how much did you pay for the rental? >> caller: paid 113,4. >> okay. >> caller: then we put 12,000 into it. and it appraised in march for 160. >> congratulations. >> caller: thank you. my husband is 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 the feet from the jaws of victory. >> caller: right. >> you went into this process, bought this foreclosure, always intended to buy a foreclosure, got a good deal on it. 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 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. >> announcer: next on "clark howard" -- >> we want to be able to make sure we have enough to retire on and balance that with savings, 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? ring ring ring ring. 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. 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. introducing a breakthrough from tums that can control your heartburn for hours all day or all night. it's called tums dual action,

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how much in interest charges, like what percent, are you paying on your credit card? >> caller: 25%. >> 25%? >> caller: yes. >> 25%? >> catch that, and a lot more this sunday at 4:00 pm on "clark howard." bonnie is with us. hi, bonnie. how are you doing? >> caller: i'm great. thank you for taking my call. >> sure, bonnie. >> caller: i got a phone call a few minutes ago from someone who said that they were calling from walmart and that i had won a gift certificate and a digital camera as a customer appreciation prize. i listened to him for a few

minutes and then he wanted to verify my address and -- that was the correct address, but then he asked me for my birth date and i said, why do you need that? and he said, well, are you over 18? and i said yes. and he said i would get a package in the mail the next day and all i had to do was send him $5.95, shipping and handling fee. and i asked him, 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. and this tie-in with walmart had 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 morphed into a telephone conversation. it is no more legit by phone

than it's been with the scamsters on the web. 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 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 will follow. >> i would love a chance to answer your question, but you've got to know how to ask it. this is what you do. you go to cnn.com/clarkhoward and click on the video submission. submit your question and, 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 that we have is our house. both cars are paid for. we have credit cards, but don't keep a balance. we try to stay on budget every month. >> we are saving toward our retirement, but want to make sure we have enough. since we're in our 40s, we put around $700, that's 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 the 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? i mean, here we have a couple that is doing everything that they can to live life within a tight budget and still managing to save what's effectively with the employer match, 15 cents of every dollar they make. think about in your life, if you feel you never have any money that you can put aside for a rainy day or retirement, guess again. just look at where all of your money is 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 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

intended to file a rebate, didn't do it on time or did do everything that was expected of us and somehow the money never materializes. would you like to go for a ride on that bike ? ok ! ok. whoooa, heyyy ! see, the terms require that you keep the bike within this pre-determined space. if you want to take the bike out, i'm going to have to charge you a penalty. i can't really ride in this little space. you can't ride very far.

even kids know an offer shouldn't come ha, ha, ha... with ridiculous conditions. why don't banks ? at ally bank our 9-month no penalty cd gives you a great rate with no fees for early withdrawal. it's just the right thing to do. with little responsibility, zero accountability. our parents telling us what to do... how to behave. now, all of a sudden, we're there, in that role, at that time in our lives where everyone and everything is depending on us. it's a scary feeling, but it's also a good one. especially when i'm confident someone's there for me.

patrick is with us. hi, patrick. >> caller: hi. who are you doing? >> great, thank you. what's going on, patrick? >> caller: well, i have a student loan and i've listened to your show for a long time, but you said there's some new forms or something in june of this year that they started -- was available, i guess, in july? >> yes. it's an entirely different way of treating student loans and it's the income-based repayment plan, and it only has two elements to it. if you have a traditional federal student loan, your payments are based on your income. so if somebody is 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 ten years, it's 25 years. now, at clarkhoward.com, i have 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 -- you don't do www. you do studentaid.ed.gov.

when you get there, you'll see there's an entire portal called repaying your loans. and it will take you step by step for each kind of loan you have, what types 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 th breadwinner as far as, you know, taking care of my mom and my family and stuff. >> now, you are a grammy award winner? >> yes. >> what was that like? >> oh, that was extremely exciting. i got a grammy for writing the song, yt "no scrubs." so that's where most of my money came, from publishing and song writing. >> so you are -- i'm listening to you talk and you think like a business woman. >> i have to. because if i don't make things happen, then who's going to do it? >> well, 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, but at the same time, you have to spend money sometimes to make money, i feel. especially if you're not in the

typical type of career where you have a 9 to 5 and 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? >> someone told me when i was real young, good credit is better than bad credit. i never want to have bad credit. they said always have at least one house and one car you own so that you can always have a place to live and a way to get around. >> good advice. >> that's my motto. if you can pay your house off, do it. if you have extra money, pay it to the principle so later on down the line, if you're not doing as well as you are right now, hey, you've got a few years knocked off. >> great job, candy. thank you very much in continued success. >> thank you.

if you are considering buying something because it's a great deal after rebate, you need to follow my strategy, which 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 companies that purposely has not been paying rebate money for people that qualify. and over the years, think how many times you or i may have intended to file a rebate and 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 trick our brain into thinking we're getting something better than we are. let's go full circle here. why not buy something that's a deal just as it sits? >> the question for you,

inheritance tax only becomes an issue in you're loaded with dough. are you sitting on piles and piles of gold and money? >> i'm not. you've wanted to quit smoking so many times, but those days came and went,. but today's a new day. and a few simple steps can make a real difference in your next quit... things like starting with a plan to quit smoking... getting support... and talking to your doctor about how prescription treatments can help you.

talk to your doctor about prescription treatment options. and make this time, your time. oh yes hi. can you put my grandma on the phone please? thanks. excuse me a sec. another person calling for her grandmother. she thinks it's her soup huh? i'm told she's in the garden picking herbs., she is so cute. okay i'll hold. she's holding. wha? (announcer) progresso. you gotta taste this soup.

ever since i can remember, i've been fascinated by money, making it, saving it, and studying it. by the time i was 31, i had enough to retire. so i've embarked on a new mission, helping you take care of your money so you can save more, spend less, and avoid getting ripped off. >> in recent years, people are using a visa card or mastercard that's 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 is 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 on the account? why? so they can generate overdraft charges. and listen to this eye-popping number. according to 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. when you're out of cash, you'll know it. and now i'm ready for your questions. what have you got for me?

tonya is with us. what is going on, tonya, in your situation? >> caller: well, i'm looking at possibly doing bankruptcy or debt consolidation. i'm 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 have my -- 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 guess your income is right now? >> approximately $42,000. >> when you've reached a point where your credit card exceeds 50% of your annual income, you cannot handle it. >> caller: 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? >> caller: eight. >> eight? wow! you can call all eight of the credit card companies and say the exact same 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 happen in the past -- believe it or not, the credit card companies 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. >> caller: uh-huh. >> and they can possibly do what

is known as a hardship dmp, which stands for debt management plan. >> caller: okay. >> they would contact your eight credit card companies. lay it out for them. what you look for is they mark the interest down to 0% on all cards. and if you're not paying any interest, carrie, it becomes easier for you to honor your debt. either of those options are far preferable to the third, which is filing for a bankruptcy that stays with you until 2019. >> hello, carl. >> hi, clark. >> how are you doing? >> caller: better than i deserve. quick question. basically last year i retired from the army. >> thank you for your service to our country. >> caller: thank you. and basically did all the transition and got hired by a developer, and everything was going great until i found out that they're doing layoffs in october because they don't have

another contract for us to work on. >> okay. >> caller: i started a job search and i actually got a job offer in today for $65,000 down in florida. but i also have an interview tomorrow for veterans administration position there. which i like because the government has the benefits and, you know, it's federal government and employment is not as fragile. the thing is, it's going to be about 15 to $20,000 less than what i would be making in florida, but i feel like i could quickly move up the system and i'm trying to weigh the benefits. >> you have 20 years in the army? >> caller: 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 v.a. >> caller: yes, sir.

>> and the thing is that what you trade in for current income, you gain back in long-term financial security and job security. >> caller: yes, sir. >> 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 listened to what you said, it sounded to me like taking the opportunity with the v.a. was the right thing for you, because it offers you that security, and you're somebody who likes to stay one place. you stayed 20 years with the army. you didn't have to. and 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 live a

very stable life and to be able to pay my bills as they come in 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 can reach in and get it, and steal your identity. >> caller: exactly. ♪ we created our college of business and management... after collaborating with business leaders. we wanted our curriculum to match market needs, preparing you for today's most sought-after careers. in fact, we have not one but five specialized colleges, offering you bachelor's degree programs that... are both relevant and highly marketable. devry university. discover education working at devry.edu. 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.

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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. get 40% off this bonded leather sofa, just $299, with very cool styling and so affordable. at 40% off, just $299. from jennifer. jean joins us. hello, gene. >> caller: how are you doing, clark? >> great, thank you. what's going on in your life today? >> caller: had a little experience today. had a big box store, had a liquor store. wanted to bring my empty keg in,

and the state we live in, you have to fill out paperwork. i take back the empty keg, he gives me the paperwork from the keg i filled out previously. i go get the new keg in the back, come up front, go to the cashier. there's a copy of my license on one of the papers. all the information 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 it and steal your identity. >> caller: exactly. i talked to the manager and he said, oh, yeah, we shred those pieces of paper. and i said, i don't think mine is going to get shredded because she crinkled it up and put it in the trash basket. >> think about how many places that have our information and are so careless with it. if you want to do something about this, i would call the beverage control board or liquor board, whatever it's called in

your state. and i would call 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 that somebody is not running an illegal bar. >> caller: right. >> but there should be some requirement that the state imposing 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 is aware of identity theft, never ceases to amaze me. it's time for "money coach." that's where it's time for you to ask me questions about your wallet.

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

>> jenny, congratulations. with how you are with your money. here you are working at a store. what i would do with that money is wipe out your credit card debt. once you've done that, that's going to still leave you several thousand dollars that i would divide into two piles. one, a rainy day account. put the money in the best place like a bank. second, take the other half of the money that you have left, 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. you can put up to $5,000 each year in i roth and you are allowed at any time to withdraw the money that you contributed to it tax free and interest free.

you must leave your earnings in the plan. if you did need the money for a down payment for the house or something like that, you have it as a stash of cash. i would rather you leave it alone, but if you need it, you can pull the money out. >> next on "clark howard" -- >> i'm noticing when they report it to the agencies that there's a very low balance and my score shot up 30 points in 15 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 )

cecelia is with us. hi, cecelia. >> caller: hey, clark. >> how are you? >> caller: i'm doing well. my question for you is, i am a member of a credit union and i got a letter in the mail and 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? >> caller: they do, 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?

>> caller: no. it will be -- they are persuading us, but they did say it's definitely going to be up for a vote. >> vote no. >> caller: vote no? >> this is really odd timing. >> caller: yes. >> for a credit union to choose with people's insecurities, credit unions, almost none have failed anywhere. and to not have the safety net of the ncua, which is the credit union equivalent of fdic -- >> caller: that's right. >> i don't understand at all. what justification do they give for leaving the federal nest? >> caller: well, it's funny you say that, because, you know, in the letter they say they're going to be assessed a premium up to like $675,000. it says it's like .15% of all their insured shares. >> no. they should just pay the premium. >> caller: thank you. >> you know, the banking system is short on money because of all the failures of financial

institutions 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 going to not having the full faith of its members. i would tell you that they are making a big mistake and encourage you to vote no. in fact, if the vote passes, i would take my money out of the credit union and not hang with them, and i would hope that other members would realize the risk that they would be taking, and also vote no. david is with us. what are you thinking about doing with your credit card? >> caller: hey, clark, you make me look so smart to the person that matters most to me, my wife. i keep getting brownie points. i found out that over the last

month my credit score went up 15 points and i noticed how i did it, by raising it, by looking at the balances and i follow my balances every day and pay it off every month and i don't carry balances but i use the cards heavily. and so what i do is i pay the balance before the credit card company can report it to the credit agency. because i thought that, 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 card report would see that i'm paying off my balances. >> no. they see the high balances that it was when the statement closes. >> caller: right. so then 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? so, there's a lead time. i pay them off 10 to 15 days ahead of time and when they report it to the agencies, there's a very low balance and my score shot up 15 points in 30

days. >> you are a genius. as you probably have heard me say, it is 30% of your credit score. what you are manipulating by the bill before it's due. and for anybody who's in a position to pay balances in full, it is a great habit to get in to, especially six months before you might buy a home. >> caller: yes. >> 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 could make a big difference if mortgage rates somebody has for 15 or 30 years. you are -- tell your wife, you're a gentleman and a scholar -- you're both! if you don't have health

insurance or you were the equivalent of underinsured where you need nonemergency treatment or surgery that is very, very, very expensive in the united states, do you know there's an alternative to financial ruin? in fact, "barron's magazine" reports it's booming. it's where you go overseas to a western-style hospital. you have 24-hour nursing in your room. you get the equivalent surgical procedure. duh -- but the bill is one fifth to one tenth what it costs in the united states. this is known as, believe it or not, medical tourism. it's big business in thailand, singapore, and india. but before you go overseas for surgery, you've got to know, you're going to have a big distance from your family and check out the facility and the doctors that provide the treatment. but it could keep you from being broke. next on "clark howard". >> it's always been a dream to

have a beach property. i'm very close to have a beach property. >> congratulations. we're moving from investing in an investment to investing in yourself. uuuuuuuuuuuuuuuuuuuuu