president obama wins the world's most prestigeous award for peace. a mother supported gun rights so much she wore one to her child's soccer game. then she became a subject of gun violence herself. people jokes about it being a bomb the moon mission. the bomb was no joke when people got up in the wee hours to see two spacecraft hit the moon. hey there, thanks for having us over.

baseball fans in colorado will have to wait another day to see the rockies play their home opener in this year's post season. the game is postponed due to this -- snow. it is the scene inside the stadium earlier today. the game has been pushed to tomorrow night. right now the series is tied at one game apiece. president obama targeting a plan for america's wars just hours after winning the nobel prize for peace. he and his national secure advisors are planning the next phase in the war in afghanistan. they met all wook with military and congressional leaders. the top u.s. commander is believed to have optioned a range of options but the president is being pushed to maximize boots on the ground. in the meantime, vice president joe biden is pushing to keep troops at their current levels.

the president spokesman says this is not a decision the president is likely to make quickly. >> there is obviously an agenda where we are going through again as we have talked about, understanding and enunciating clearly the goal, to straty to accomplish the goal and ultimately we will get to in order to implement a strategy to meet the goal. >> gallop pole america is split on whether to send more u.s. troops to afghanistan. an associated press poll also finds support dropped in july. in the meantime the violence against u.s. soldiers is increasing in afghanistan. roadside bombs killed three

coalition troops yesterday. 865 u.s. troops have been killed in afghanistan. while he mulls over a course of action in afghanistan, the president has a little basking to do after winning the nobel peace prize. he was stunned to get it. we learn more about the decision and what the award could mean to barack obama's presidency. >> good morning. >> yes he can win the peace prize on the same day his war counsel met begun to consider sending more troops to afghanistan. a second war is winding down but still waging in iraq. this award is more about the promise of change than actual change. >> we have to confront the world as we know it today. i am the commander in chief of a country that is responsible for ending a war and working in another theater to confront a

ruthless enemy. and the p's ability to create a new climate around the world. >> is to be awarded to president barack obama for his extraordinary efforts to strepten national diplomacy and cooperation between peoples. >> especially with an historic speech to the muslim community. >> i am proud to bring a greeting of peace from muslim communities in my country. >> as well as major speeches in prague and at the united nations, laying out an aggressive plan to rid the world of nuclear weapons. >> nations with nuclear weapons have a responsibility to move

towards disarmorment and those without them have a responsibility to forsake them. >> i think certainly you have to give him an a for trying but at the end of the day what has he accomplished? >> not to mention the details of other ash lishmentes are still a little fuzzy. >> i ordered the prison at guantanamo bay closed and we are forging the frame work to combat extremism within the rule of law. >> top officials now admit they will likely miss the january deadline of closing guantanamo. a prime example of the difficulty of translating vision into actual victories.

>> i don't believe this. >> gand hi never got a nobel peace price. >> yesterday, michael sale said the award should have gone to people who have made real achievements working towards peace and human rights. but other republicans are starting to back pedal on their judgment. some democrats starting to attack republicans over this issue on her twitter page, claire mccaskill says she feels like she is living in an alternative universe. anyone who called -- are you yearing when the current president gets the peace price. referencing a huge embarrassment for president bush. they said it is better to have

ak lates tossed its way rather than shoes. an iraqee journalist threw shoes at prushl. >> we have brand new dra maltic video. there you can see the water rushing through the parking lot. the building only had minor damage. more than 165 people died when the quake and tsunami hit the islands. parts of arkansas got drenched will have a sunny day to dry out. what a difference 4 hours make. the driver and a student got trapped when the bus was swept off the road. a rescue crew had to ride out in a track hoe, and kick in a fron window. in little rock firefighters

were called to rescue kids. the water in the center was waist high. nine children and two adults had to be rescued. >> it scared me to death. i didn't know what to think. they took me to the ambulance and my little girl was in there and she was safe and sound. >> there were no reports of any injuries although parts of the state hit with rain are expected to be sunny and dry but flood warnings are still up because of rising rivers. and the death of a mom who grabbed attention by wearing a holstered handgun. how she died in a murder suicide as she talked on a web cam.

four men are still in the hospital, one in critical

condition. tests for carbon monoxide and other contaminates were negative. bone fragments dug up probably belonged to american indians. and dna from the bones. an apt polgs concluded that the fragments were probably human but very old. and a man shot his wife to death while she was talking to a friend on a web cam. we have more on the shooting death of a woman who was an outspoken advocate for gun rights. >> she made headlines wearing a loaded gun on her waste band. >> a lot of people think i am looking for attention.

i want attention on the issue. >> at issue, it is legal to openly carry a gun. >> people were asking me initially is she crazy. she was just a normal friendly and nice woman. >> but wearing a gun to a soccer game made some people nervous. in court she won her concealed weapons license. >> i tell people this all the time. it is not just about gun rights but every right we have. >> she sued the sheriff for violation of her constitutional and civil rights to the tune of $1 million. a few months ago, she told her lawyer she and her husband were separating and she wanted a protective order. wednesday night, something wept wrong. >> i heard a boom and kids screaming. >> the i-rony is it appears her life was taken by that very

right for which she was fighting for. >> advocates call this is is sad case of domestic violence but gun control advocates see it differently. >> the danger came from within her own household from her own husband. guns really create these risks and dangers and we see too much of that in this country. >> all right, thank you. police say the online friend called 911. a ucla opportunity is expected to recover from being stabbed in the neck. they say they are not clear on a motive. he is described as the victim's chemistry lab partner. the 20-year-old woman stabbed a teaching assistant rushed to stop the bleeding. we need help here.

>> i didn't see it happen. it is within seconds. is good thinking from the part of the ta. when it happened and she was on the floor. instead of him leaving and calling for help he made sure and covered that wound so blood doesn't lose a lot of blood. >> sounds like he did a great job. >> the suspect is in jail on $1 million bail. he will be arraigned ochb tuesday. >> vitamins, anti-ox departmeid. how far would you go get them? >> in a trepdy tokyo neighborhood, this is home to one of the quick fix health

fads. they look to get their vitamins through an iv. each back contained saline solution and specific vitamins or minerals. there are ten different varieties to choose from. orange is antidepressant aging. the placenta pack is said to help rejuvenate. but there is no medical evidence to back up the health claims and national health insurance will not pay for the treatments. the marketing is considered a trepd in japan, a country known for all kinds of fads. >> for a look at the latest in health and med sen, go to our website.

armed militants are holding hostages. gunmen opened fire south of islam earlier today. ten people were killed in the raging gun balt. six army guards are among the victims. four attackers also died. this is the third major attack this week. the taliban claimed responsibility for an attack that killed more than 50 people.

zazi is charged with conspireing to use weapons of mass destruction on u.s. soil. both of the men being questioned live in queens, new york. authorities say he received al qaeda treatment. 37 states now have widespread cases of the swine flu according to federal health officials. they say 76 children have died of h1n1 nationwide. that includes 19 new reports. yesterday health and human services director assured people

that the h1n1 vaccine is safe but a recrept survey found that just four in ten adults say they are getting the vaccine. the fda wants hospitals nationwide to review their safety procedure for ct scans. this is after patients were exposed to high levels of radiation. they golt eight times more radiation more times than they needed to. officials already know one machine's radiation setting was too high for a year and a half. president obama will speak to the largest day rights group in the country tonight. his speech before the human rights campaign comes the night before a human rights march. members of the day community have criticized the president for not acting quick enough to end the don't ask don't tell

policy. the move to gather meaningful reform is gaining moment momentum. from both doctors and drug manufacturers. he says republican governors and former gop lawmakers are backing the changes. >> the legislation would make coverage affordable for millions of americans who don't have it today. it would bring greater security to americans who have coverage with new insurance protections and by attacking waste and fraud within the system it will slow the growth in health care costs without adding a dime to our deficits. >> in the republican response, a senator agreed on the need for chaeng but urged the democrats to slow the process down. he says any solution shouldn't be worse than the problems that

need to be solved. >> tens of millions of americans have no health insurance at all. we have a duty to tackle this problem but the solution we settle upon should not be rushed and the solution should not be worse than the problem we are trying to solve. senate democrats and white house officials are behind closed doors crafting their final health care overhaul proposal. democrats have not provided the actual language we do know enough for americans to be concerned. >> the senate finance committee is set to vote next week. at least 20% of the fhas loans are in trouble. the fha insures nearly five and a half million single family

mortgages worth as much as $675 billion. >> reaction is in a day after nasa's big crash into the moon. were you anything but doesled by the much hyped spebl ed spectac?

president wins the world's most prestigeous award for peace the same week -- she. she became a victim of gun violence herself. this family tragedy was viewed live over the web cam. >> people joked about it being a bomb the moon. two spacecraft hit the moon. what some of them are saying about the less than spectacular show.

major league baseball has postponed a playoff game due to this -- snow. this is the scene inside the denver stadium earlier today. right now the best of five series is tied at one game a piece. president obama targeting a plan for america's wars just hours after winning the nobel prize for peace. he and national security advisors are planning the next phase in the war in afghanistan. they met all week behind closed doors with military and congressional leaders. substantially mccrystal is pushing to maximize boots on the ground.

the president's spokesman says this is not a decision that mr. obama is likely to make quickly. >> i think there is obviously in each of these an agenda where we are going through again as we have talked about, understanding and enunciating clearly the goal, the strategy to accomplish the goal, and ultimately we will get to discussion and decisions about resources needed in order to implement a strategy to meet that goal. >> according to a recent usa today gallop poll, america is split on whether to send more troops to afghanistan. public support for the afghan war dropped four perpercentage opponents in july. roadside bombs killed three yesterday including one u.s.

service member. 865 troops have been killed since operation enduring freedom began. while he mulls over a course of action, the president has a little basking to do after winning the nobel peace price. he was stunned to get it. we tell you more about the committee's decision and what the award could mean for the presidency. >> good morning. >> yes he can win the peace prize on the same day his war council met again to consider sending more troops to afghanistan. while a second war is winding down but still raging in iraq. fresh reminders this reward is more about the promise of change than actual change. >> we have to confront the world as we know it today. i am a commander in chief of a country that is responsible for ending a war and working in another theater to confront a

ruthless enemy that directly threatens the american people and our allies. >> the nobel committee cited the ability's ability to create a new climate around the world. >> is to be awarded to president barack obama for his extraordinary efforts to strengthen national diplomacy and cropuation between people. an historic speech to the muslim world in cairo. >> i am proud to carry with me the good will of the american people and a greating of peace from my country. [ applause ] >> as well as major speaks in prague and at the united nations. >> all nations have the right to peaceful nuclear energy. the nations with nuclear weapons have a responsibility to move towards disarmorment and those

without them have the responsibility to forsake them. >> certainly you have to give him an a for trying but at the end of the day what has he accomplished. >> and the details are still a little fuzzy. >> i ordered the prison at guantanamo bay closed and we are are doing the hard work to build the frame work to combat extremism within the rule of law. >> top officials say they will likely miss the deadline. >> cnn washington. conservative talk show host s. >> i don't believe this. >> ganhi never got a peace

prize. yesterday, michael sale said the award should have gone to people who have made real achievements working towards peace and human rights. but other republicans are starting to back pe dal. republican criticism could begin to sound like right wing wining. some giping to attack on this issue. claire mccaskill says she feels she is living in an alternative universe. anyone who called disagreements with the past president were called unpariotic are yearing when the current president gets the peace prize. it is said it is better to have accolades our way rather than shoes. we have brand new dramatic

video. this is from a surveillance camera in america samoa. you can see the water rushing through tossing several cars and trucks around. the building itself only had minor damage. parts of arkansas got drenched and will have a sunny day. take a look at that school bus. a driver and student got trapped when a bus was swep off the road. a rescue crew had to ride out in a track hoe, kick in a front window to get them out. in little rock firefighters were called in to rescue kids. the water was reportedly waste high. nine children and two adulls had to be rescued. >> it scared me to death when i pulled up and saw the rescue personnel here i didn't know

what to think. my little girl was safe and sound and looked like she got rescued. >> parts of the state hit with rain are expected to be sunny and dry. flood warnings are still up in a couple of areas because of rising rivers. sad irony grabbed attention by wearing a holstered handgun to her daughter's soccer game. blach

two people died at a sweat lodge in arizona and investigators are trying to find out what happened. more than a dozen people got sick thursday. four of them are still in the

hospital, one in critical condition. tests for carbon monoxide and other con ttaminants were negative. >> bone fragments dug up in garrido's backyard probably belonged to american indians. investigators discovered the bones while searching the garrido's home for evidence. scientists were not able to pull dna from the bonesment another scientist concluded the fragments were probably human but very old. police say a man shot his wife to death while she was talking to a friend over a web cam. the man then killed himself. the woman was an outspoken advocate for gun rights. >> melny made headlines wearing a loaded gun to her daughter's soccer game.

she said -- >> a lot of people think i am looking for attention. i want the attention on the issue. >> in pennsylvania it is legal to openly carry a gun. >> people were asking me if she is crazy. she was just a normal friendly and nice. >> but wearing a gun to a soccer game made some people nervous. she got her weapon's license taken away. >> it is not just the second amendment. it is not just about gun rights but every right that we have. >> she sued the sheriff to the tune of one million dollars. she and her husband were separating and she told her lawyer she wanted a protective order. police say the couple was living together. wednesday night something went wrong. >> i heard a boom and then i hear kids screaming. >> the irony is that it appears

her life was taken by that maybe very right for which she was figing. >> gun rights advocates call this a sad case of domestic violence. >> the danger came within her own household from her own husband. that is ironic but too true that guns create these dangers. >> thanks for that report. police say the online friend called 91 1. a ucla student is expected to recover from being stabbed in the neck. police are not clear on a motive. he is described as the chemistry lab partner. a teaching assist tapt rushed to stop the bleeding. last night the man who called 911 talked to us on hln prime

news. >> we need help here, right? >> exactly. i din see it happen. it was one seconds. and you know, his good thinking from the part ofhe ta because i think everybody freaked out. >> i am sure. >> when it happened and she was on the floor. instead of, you know, him leaving and callingor help, he made surand covered tt wound. so she doesn't lose a lot of v. >> the suspect is in jail on $1 million bail. wil bera aneon uesd. we have a new serie that we are starting this weekend that will heart of comn medical queson let's stt athe beginngf e day and get a real breakfast break down from nutrna author.

>> the biggest benefits is energy and nutrition to getou through your day. for parents who thk it is only important for you kid and not you, think again. and donut and coffee, think again. start with egg whites, throwsom. if you don't want oatmeal with berries. just go crazy. what i want you to do is throw out the old brown and beige meat and potatoesay of eating. get color into your diet. get fresh fruits and vegetables. your body will show you you have made the right decision. supporters of president obama say they are waiting for him to fulfill campaign promises. he appears before one group of them tonight. what they are waiting for him to

do.

armed mill tapts are holding hostages m gunmen opened fire earlier today. ten people were killed in the waging gun battle. six army guards are among the victims this is the third major attack this week. the taliban claimed responsibility for a car bombing that killed more than 50 people. president kept his weekly address focussed on health care. he sees unprecedented consensus on the need for change. even republican governors and former gop lawmakers are backing the chaenges. >> the legislation would make

coverage affordable for millions of americans. it would bring greater security. by attacking waste and fraud within the system. it will slow the growth in costs without adding a dime to deficits. >> senator george from florida agreed with the need for change. he says any solution shouldn't be worse than the problems that need to be solved. >> tens of millions of americans have no health insurance at all. we have a duty to tack thl problem but the solution we settle upon should not be rushed and the solution should not be worse than the problem we are trying to. democrats and white house officials are behind closed doors crafting their final health care overhaul proposal. the democrats in congress have not yet provided actual language we do know enough for americans to be concerned.

>> the finance committee is set to voek next week on a plan. >> one of the most influential lawmakers could be a liability for his party. charlie charlie rangel. he's been under a senate investigation for not paying taxes and not reporting some taxes. democrats could face a backlash in next year's elections if they don't handle the allegations carefully. republicans tried to remove rangel as the house wanes and means committee but democrats blocked that. president obama will speak to the largest gay rights group in the country tonight. his speech comes the night before the march in washington that's expected to draw thousands of gay and lesbian activists. members of the community have criticized the president for not acting quickly enough for the military's don't ask, don't tell

policy. and while now the federal housing authority could be next. the fha commission would not need to be rescued but the new york times reports that 20% of the fha loans last year are in trouble. even facing foreclosure and as much as $675 billion. the rapper known as soldier boy was arrested. the 19-year-old, better known by his stage name, shoulder boy, was charged with running from the police. police say when they responded to a complaint at the home, he fled. he was arrested when he returned to get his car.

>> was it anything ddddddd

a mother with war rights so much she became a victim of gun violence herself. and this family tragedy was viewed live via web cam. people joked about it being a bomb the moon mission. for astron me buffs, the bomb was no joke when they got up in the wee hours to see the spacecraft hit the moon. what some are saying about the less than spectacular show. hey, there, i'm virginia

cha. baseball fans will have to wait another day to see the rockies' home opener. it's been postponed due to this, snow. it's the scene inside the stadium in denver earlier today. the game has been pushed to tomorrow night. right now the best of five series is tied at one game apiece. president obama is targeting the comments about the noble prize for peace. they met all week behind closed doors with both military and congressional leaders. the top commander in afghanistan is going to offer a range of options and mcchrystal has the boots on the ground. joe biden is pushing key troops at current levels. he says he would rather see an increase in technology and

targeted stripes. another strategy meeting is scheduled for wednesday. the spokesman said that this is not a meeting that he's going to talk about quickly. >> an agenda where we're going through as we're talking about the goal, the strategy to accomplish the goal and ultimately we'll get towards get to decisions needed to i am pmpt a strategy. >> american is split down the middle on whether to send u.s. troops to afghanistan. 40% say yes and 45% say no. roadside bombs killed coalition

troops and troops have been killed in afghanistan since the war began. the president being awarded the nobel peace prize has caused controversy. >> it's such a joke. >> also quick to dismiss the award, they say it should have gone to people who have made real achievements, and they are starting to back pedal.

they are now engineering when the current president gets the peace price. meanwhile, a huge embarrassment for president bush, they say it's better for the united states to have accolades tossed its way better than shoes. what you see here last year, an iraqi journalist threw a shoe at president bush. this is from a surveillance camera at an fbi office building. there you can see the water rushing through the parking lot and tossing several cars and trucks around. the building itself had only minor damage and more than 165 people died where the powerful earthquake hit the islands september 29th. take a look at this school bus. a driver and student got trapped when the bus was swept off the road and carried downstream. a rescue crew had to ride out in

a trackhoe, kick in a front window to get them out. little rock, firefighters were called in to rescue kids. floodwaters rushed in and the water inside was waste high. nine children and two adults had to be rescued. >> oh, it scared me to death when i pulled up and saw the rescue personnel here. i didn't know what to think. and then they took me to the ambulance and my little girl was in there. she was safe and sound. it looked like she got rescued. >> my goodness. there were no reports of any injury, although parts of the state were hit with rain and are expected to be hit with rain because of rising rivers.

>> we're inside the area where it's hidden jmpl knee and people don't know about the musical programs and the outreach that the cathedral offers and just the beauty of it. >> we're here at the hudson river parks. it's actually the remains of what is left of the magnificent pier 54. it's the place where i end my bike ride and it has a very historical significance. this is where they brought the survivors of the titanic when they came back. welcome to coney island u.s.a. it's one of the world's most famous anewsment parks. >> what makes this place very special is the attractions are

the same as years ago. the place is very old fashion. >> i want to see your secrets. go to ireport.com. the sad irony of a mom who got attention for attaching a holster at a soccer game. how she died in a murder-suicide as she talked on a web cam.

two people died at a spiritual retreat session and more than a dozen were sick. tests for carbon monoxide and other contaminants were negative. police say bone fragments dug up in phillip garrido's backyard probably belonged to american indians.

anthropologists say that they were not probably human but very old. police say that a man shot his wife to death while she was talking to a friend via a web cam on wednesday. the pennsylvania man, authorities say, then killed himself. susan candiotti have more of the woman who was an out spoken advocates for gun rights. >> reporter: melanie first gained attention for wearing a gun on her side. 41 other students asking me initially, is she crazy? contrary to what the facts sound like, she was just normal, friendly, and nice. >> but wearing a gun made people

nervous. >> it's the second amendment. i tell people all this time and then it's the right that we have. >> mrs. hain sued for her constitutional and civil rights. a few months ago mrs. hain said that she and her husband were separating and filed for a protective order. but a court says the irony is that it appears that they are acting very violence. and gun advocates say it

differently. and the dangers and we see too much in this country. >> thanks for that report. police say that the online teen was chatting with 911. >> a ucla student is recovering from being stabbed in the neck. police arrested the man but they are not clear on the motive. police say that they are stunned when the 20-year-old woman was stabbed. a teaching assistant rushed to stop the bleeding. last night the man who called 911. >> you come to the scene, right? >> exactly. i didn't see it happen but it was within seconds. and it's good thinking from the part of the and she was on the floor and so instead of, you

know, him leaving and calling for help, he made sure that he, you know, covered that wound and so blood doesn't -- she doesn't lose a lot of blood. so that was very smart of him. >> yeah, absolutely. >> the suspect is on bail on $1 million bail and he'll be arraigned on tuesday. for parents who think it's only important for your kid and not for you, think again. the donut and coffee, not your best option. if you want the healthiest breakfast possible, start with egg whites and oatmeal with barry, strawberries, blueberry, just go crazy. brown and beige, boring meat and potatoes way of eating. get color into your diet and

that means eating copious amounts of fresh fruits and vegetables and do it for every meal of the day. your body will indicate thaw made the right decision. dr. sanjay gupta looks at a new trend in this week's vital signs. >> at a trendy neighborhood, home to one of the latest japanese fix fix health fads. here they are looking at vitamins, no appointment necessary. there is specific vitamins and minerals to target a specific health ailment or beauty concern. there are ten different varieties to choose from. the orange tougts to help muscle

stiffness and they won't pay for the treatments. the iv cafe and it is marketing avoid what it calls instantaneous health is called a trend in japan in a country that is known for all kinds of fads. >> for the latest, go to our website at cnn.com/vitalsigns. some supporters of president obama say that they are waiting for him to fulfill campaign promises.

there are security checkpoints south of islamabad on thursday and ten people were killed in the raging gun battle. six army guards are among the victims. four attackers also died. this is the third major attack in pakistan this week. the taliban claimed responsibility for a car bombing that killed more than 50 people. president obama kept his weekly address to the nation focused on health care today. he says that the move to bring meaningful reform to health care is gathering momentum. he also says that he sees unprecedented consensus on the need for change for both doctors and drug manufacturers.

>> the legislation will bring greater security to americans who have coverage with new insurance protections. and by attacking wasted fraud within the system, it will slow in health care costs without adding a dime to our health care deficits. ze says that the problem needs to be solved. >> tens and millions of americans have no health insurance at all. but the solution we settle upon should not be rushed and the solution should not be worse than the problem that we are trying to solve. right now senate democrats and white house officials are behind closed doors crafting the final

health care overhaul proposal. while the democrats in congress have not yet provided the actual language for the proposed law, we know enough for americans to be concerned. >> the senate finance committee will vote next week on a plan. one of the most influential democratic lawmakers could become a liability for his party. democrats could face a backlash in next week's elections if they don't handle the allegations carefully. republicans tried to remove rangel but democrats blocked that. president obama will speak to the largest gay rights group in the country tonight. the speech before the human rights campaign comes the night before the march in washington. that's expected to draw thousands of gay and lesbian activists. members of the community have criticized the president for not

acting quickly enough to end the mim tear's don't ask, don't tell policy. gay activists want the president to repeal the defense of marriage act. 37 states now have widespread cases of the swine flu. that's according to federal health officials. they say 76 children have died of a h1n1 vaccinations. kathleen sebelius assured people that the h1n1 vaccine is safe but a recent survey found that just four in ten adults say that they are getting the vaccine. the fda wants hospitals nationwide to review the safety procedures for ct scans. this is coming after being exposed to high level of

radiation. and some saying that the radiation is too high for a year and a half. well, first fannie mae and freddie mac needed government bailouts. now, the federal housing authority could be nexted and testimony before congress this week, the fha commissioner insisted that the agency would not need to be rescued but the new york times reports that at least 20% of the fha loans from last year are in trouble. even facing foreclosure. the fha insures nearly 5.5 million families worth $675 billion. students from 20 universities are at the national law constructing for a solar power competition. the solar decathlon are hoping to win for functional tea. the winner will be announced next friday. reaction is after a big

bang. hear what people are saying right here on hln news and views.

hey, there, i'm virginia cha. the military says that they are holding hostages at the head quarters south of islamabad. ten people died, including ten army guards. this is the third major attack this week. 37 states now have widespread cases of the h1n1 virus. they say 76 children have died nationwide. that includes 19 new reports in the past week. skiing, yes.

baseball, no. the game tonight between the rockies and phillies has been postponed due to snow. currently the best of five series is tied up. gerri willis starts right now. hello, i'm gerri willis and this is "your bottom line" the show that saves you money. credit card outrage, you know what i'm talking about. we'll tell you if your credit card company is racing to raise rates and minimum payments before new legislation goes into effect. aging in place, how to make homes safe for parents as they get old en'save money while do you it. we know the saying opposites attract, how to find financial bliss in your partner. "your bottom line" starts right now. in less than five months, congress plans to implement new credit card rules designed to stop credit card companies from

jessica tells us how consumers are getting crushed and it's all perfectly legal. hi there, jessica. >> hey, gerri. the story i'm about to tell you is the kind of credit card nightmare that's happening to millions of americans. as credit card companies rush to change their practices before a new consumer protection law goes into effect. >> it's an injustice. >> reporter: chuck and jean lane are outraged. they have excellent credit, never been late, still chase credit jacked up their monthly payment from $370 to $911. so chuck lane called the bank to complain. what did you tell them? >> i told them this was the worst economic times in history practicall i work for a small company. we've laid off 30% of our workforce. i just took a 10% pay cut this morning, and this is what you're

going to do to us? >> reporter: he says he learned his credit card payments skyrocketed when he checked his online bank account. >> and i went to my checking account so i could write down the amount that was coming out, and lo and behold, it was $911. >> reporter: was that a surprise? >> i was shocked. i was stunned. >> reporter: now he feels abused. you thought you had a deal. >> i did. i thought i had a really good deal. >> reporter: the card was sold as a low-interest way to pay down big bills. the lanes paid off about half of what they owe but still have more than $18,000 to go. they can't afford the new monthly payment, so chuck lane called to ask chase for help and guess what he was told? >> you want me to pay 5% more in interest. >> reporter: can he go back to his old payment but only if' he agrees to a higher interest rate. under a new credit card law the

lanes have options but for now they're stuck. >> you're putting us into bankruptcy. i mean, i don't see how that helps me. >> reporter: the lanes aren't alone. in a statement to cnn, chase says they doubled the minimum payments for a million cardholders, because while tens of millions of chase loans have been paid back in less than 24 months, there have been a small percentage of customers that have not made as much progress. our desires is to have these balances paid back in a reasonable period of time. >> truly this is the singlemost abusive credit card change in terms that i have ever seen. >> reporter: the credit card industry insists companies are not trying to skirt the new law. >> it's their desire to provide the best products to consumers always, every day, to ensure that customers have the credit they need. >> reporter: ensuring that americans have affordable credit, that was one reason banks like chase got billions in taxpayer bailout money. do you think they're showing proper respect to what americans are going through? >> no, they're not. they have no respect for the american people. all they think about is the almighty dollar for themselves.

>> so many people, so frustrated. jessica yellin is with us along with greg mcbride, a senior financial analyst with bankrate.com and ryan mack, the president of optimum capital management. jessica, this is just amazing, this story, and i think so many folks out there, as i was saying, are really, really frustrated with what's happening. lawmakers though are trying to get out in front of this. what are they doing now? >> a couple of things, gerri. first of all, they're trying to move up the effectiveness date when the new credit card protections go it into effect there's a goal to make that happen in december rather than in february. we don't know whether that will pass. i can also say 18 members of congress saw the story you just showed, aired originally earlier this week they were outraged and wrote the banks asking them to voluntarily freeze their practices not to raise rates before the law goes into effect. bank of america had already agreed to do that. chase, the company that has the lane's credit, they say they're not going to freeze their practices and wells fargo

actually raised their interest rate 3%. >> wow. it's so amazing and congratulations again on that story. great story. craig, i want to turn to you now, though. i mean, we kind of took our credit cards for granted, i think. we thought we should have the terms we want and if we didn't, we were going to change. do you think the credit card companies are now going too far? >> well, the time for credit card issuers to be thinking about risk isn't now. it was three years ago, when they were giving out credit like it was candy, and defaults were low and only now that people are unemployed, people are relying on the ability to make minimum payments just so they can stay current on the payments only now do the credit card issuers have an eye towards risk. raising interest rates is only one part of the problem. the other thing here is this raising of minimum payment requirements, and with millions of households relying on those somebody who is living on the edge and push them right over. >> ryan, what do you do? if you have congresspeople calling these banks and asking for changes and terms and not telling the congress they'll work with them, what can an individual do? >> the outrage is merited. we gave trillions of dollars of taxpayer dollars to many of these banks that wouldn't be opening, functioning right now had it not been for the taxpayers. now is not the time to play victim. it's the time to get on the

aggressive, offensive to see what you can do to improve your financial situation, improve your fico score, somebody with a 750ify fico score has a lot more leverage than somebody with a 650 fico score. >> changing the terms of your credit card can be tough. greg there was a poll from "consumer reports" and people are get smarter. 21% said they've received unfair treatment. 32% say we've gotten a closed card and 45% almost half of folks say we're charging less on our credit cards. are we getting smarter? >> absolutely. i mean consumers are dialing down their use of credit, focusing on paying down debt and even consumers that pay their balances in full every month, they're using credit less,

resorting to other methods of payment. people don't want to be carrying a large load of debt at a period of time when job losses are mounting. >> jessica, i want to bring you back in here. you know, we've always wanted our congressional representatives to jump in on this very tough problem for americans. now, they are. can we count on them to always be there and do they have anything else they're going to do at this time to help us out? >> actually, gerri, yes, they will have another chance to take a bite at the apple, it has to do with financial regulation reform that's coming up, that has to do mostly with reforming wall street and changing some of the practices that led to the financial collapse, but there is a piece of this new bill that a piece of this new bill that will deal with consumer protections, and i can tell you, lawmakers are getting lobbied vociferously, aggressively by credit card companies, banks, trying to water down the consumer protection so people have an opportunity to call

their members of congress, write their members of congress, insist that they stand up for the regular guy, and i can tell you i'm talking to a lot of members who are pretty angry about the credit card companies right now. >> we've been covering this for months on this show, the relationship between credit card i know this is one of your big topics. >> right. there is prepaid debit cards and i know this is one of your big topics. explain what those cards are and why they are so unfair. >> essentially these cards are essentially individuals paying money to use their own money, and so $9.95, activation card up to $20, $100 just to activate these cards to use your own money. >> $100? >> various cards at walmart,

next to the prepaid phone cards, individuals put money on the cards just to use their own money they have to spend money but they'll say there's no credit check, it's safer than using money and better than if you don't have a bank account. this is not the solution. the solution is to get yourself in that situation, if you've bounced checks before, if you have a check cashing system, go to credit loans, loan builder programs, make sure we're not bouncing checks, get ourselves back into the system where we can use free debit cards, don't have to use excessive fees to spend money to use our own money. >> thanks to my guests, great information. jessica thanks for the story, greg, ryan, great information. thanks to both of you for being with me today. appreciate it. have extra cash in your account? we have creative ways to help the money go the extra mile, next. well the stock market may be doing very well now, thank you

well the stock market may be doing very well now, thank you very much, but last year, well, it was a different story. the average 401(k) fell 24% last year. the average balance according to the folks at the employee benefit research institute and the investment company institute was just $45,519. not enough to retire on. if you're still struggling to get back on it your feet when it comes to your retirement savings, take heart. the market's turnaround probably helped you considerably. there is one thing we should keep in mind from that experience. investing for the long run can't mean setting it and forgetting it. being a successful 401(k) investor means staying on top of your investments and making sure the way you're handling your money makes sense for your age and your personal situation. well if you're lucky enough to have an extra $1,000 in your account what should do you? spend it? save it? the folks at "money" magazine have interesting ways you can use it to make a big impact on your bottom line. donna rosatto, senior writer with "money" magazine. good to see you again.

>> good to see you. >> emergency fund. >> people are saving more, but a lot of people are leaving their money in a bank account that's earning very little money. so first of all you want to make sure you're saving enough in your emergency fund. you don't need three months of savings these days, you probably want six months and if you're in a shaky industry because of the difficult job market you might want to have a year's worth of savings. so take that extra $1,000, put it in a savings account, high-yield savings account that can earn over 1.5% to 2%. >> not a lot of money but over time hopefully it will build up. retirement, i just said the average retirement fund had about $45,000 in it last year. we need to work on that, too. >> all of us can save for retirement. over 50,000 you can throw an extra $1,000, a catchup provision into your i.r.s. so if you haven't done it this year you can do it for 2009 and again for 2010, that $1,000 would be well-spent. >> donna, everybody is worried about their jobs. will i continue to have it? is there a way i can invest in myself right now? >> $1,000 can go a long way to preserving your job. a couple of ideas we had, take

that money, take a class, probably spend about $500, take a class and improve your speech, take a language class, some kind of certification, look at your local college, invest in developing a website. you could pay a designer for $200, you can probably get a nice website set up, and if you have a smart teenager around, have them set it up for you. >> on the cheap. >> yeah. >> your next idea is probably my favorite for most people, paying down your credit card debt. you don't know where those terms are going, where your interest rate is going, what your limit's going to be. it's a great time to pay down the bank for you. >> okay, the gym, are you kidding pi? >> right, everyone thinks it's great, an indulgence to join the gym but actually it's going to pay off. it's not going to make care bills. the average overweight person pays almost $$1,500 more a year in cost that's just an average.

>> by carrying a few extra pounds. >> the median gym annual membership is $750. spend $750 on the membership and $250 with a personal trainer and help you get off and get motivated. >> donna, thank you for that. depending on your habits the what you need to know to keep your family free of stress.

taking a bigger toll on singles when it comes to unemployment. according to a study by the federal bank of st. louis, the jobless rate is double for singles than married folks. married men are likely to take a new job at lower pay than single counterparts, singles are younger, have less education and less work experience. according to a report by professors at the wharton school in pennsylvania and northwestern university, people tend to marry spouses with opposing emotional reactions toward money?

in other words, open sits attract. jeff gardere is a clinical psychology. times are tough, and now that all of us married our financial opposite, it's even worse, because you don't have different reactions. in the past we were able to get away with this because love does conquer all. now this is the worst time to have these financial issues in your relationship. >> well, what do you do about it? how do you come together? >> well, you have to get the motion out of it. we have the financial opposite and tell them how to take care of finances.

what we really need to do is be able to sit down, count to 60, get all of that stress out as much as we can and then have a logical conversations as to how we can solve the problem instead of pointing fingers at one another. >> and let's have a budget, too, as long as we're at it. >> right. >> keep everybody on the up and up with the budget. >> the budget is great because you are talking to one another and you have a plan. that's the most important thing. instead of competing with one another, yelling at one another, being in the conflict, now you have the teamwork, which is what relationships should be about in the first place. >> all right, jeff. i want to give you some issues. and you tell us how to solve that problem, how to work around it. >> sure. >> in a lot of cases there's just one person making all the financial decisions or paying the bills. they are in charge. is that the right way to go? >> that's absolutely the wrong way to go. two heads are better than one in this case, and certain people should split what the responsibilities are. look at the things that you do well versus what your partner does maybe even better. if you're able to have good people skills, maybe you should talk to the banks and your partner, if they're really good at balancing the budget, should be the one to do the stuff on the computer.

>> but split it up. and speaking of splitting up, do you believe in separate accounts? >> i do believe in separate accounts, but i has to be for the right reason. don't do it because you're trying to hide or it's about isolation. but do it if you want independence financially and emotionally but there should be open books where the two of you can talk about what's in each other's accounts. >> all right. >> so, you can come together if you need the help. >> one other question. what do you do about the situation where one spouse earns all the money or most of the money? how do you manage those tensions? >> we find out that the person who earns all the money is usually the dictator. they usually tell everybody else how things should go. the one who makes all the money should have the responsibility of making sure that we can both be on the same page and equitable as far as what we do

in dealing with the finances. too often we find that people who make all the money will just bring the paycheck in and tell the other person, well, you write all of the checks. and writing the checks is a big responsibility and even more stressful than going out and making the money. >> it's a team effort. >> absolutely. as a relationship should be. >> thank you so much. appreciate your help today. >> all right. we'll tell you how to save money by keeping them safe at home. ñññññññññññññ

what would you do if you suddenly had money falling out of the sky? wait until you watch professional players in this next half hour. ever since i can remember, i've been fascinating with making money. by the time i was 31, i had earned enough to retire. so i embarked on a new mission, helping you take care of your money. >> are you happy? i mean it. are you really happy? have you heard of the well being

index? this is an organization that tracks how happy or unhappy, how well we're living in all 100,000 people to see what makes you the most happy at work. and i've got to tell you, i'm jazzed about what does make you happy. it's about being your own because, your entrepreneur. and i know the economists are starting to say we are not in a recession but they should look at the number of people looking for work. many of times you're just meeting a closed door. but maybe you should open a door and start your own business.

doesn't seem to matter what your level of education is, what your training, what your background, working for yourself as an entrepreneur tends to make you the happiest. you know what, if nobody wants to hire you, maybe it's time for to you hire yourself. and now it's time to talk about your wallet. what questions do you have for me? >> brad, you're moving. >> caller: possibly. possibly. my wife is being offered a new position in a new city and her company is asking us to come to them with basically a proposition as to what would make it work. and i just wanted to ask what kind of a relocation packet is typical, should we ask for. we'll probably be losing a good chunk of change on our house sale here. >> all right. well, let's take those things in reverse order, then. >> okay. >> because the greatest lost you could suffer is not the cost of either hiring a truck or moving

your own things or hiring a moving company and moving the greatest loss could suffer is on your home. >> right. >> so in my book, although if we were back prerecession, i should talk about how relocation prak packages work but today, because asking for what is known as a stop loss on the sale of your home is the one simple thing i would ask for and would you say to them, okay, we owe x number of dollars on our house. current market value, how close are you -- would you guess the current market value of your mortgage is? >>. >> probably 180, 190. >> and how much do you owe? >> we owe right around 180. so we could walk away even. >> so what you could ask for, because they are not going to want an open-ended risk. they could say, would you share

a loss for us on the sale of our home up to $10,000? if you don't lose money on the sale of your home, then it doesn't cost them anything. but the max it would cost for new and potential employer would be 10 grand. let's say you end up not being able to sell your house for $40,000 less than the mortgage. let's say it was the worst possible scenario. >> sure. >> then they are out 10 but you are out 30. >> uh-huh. >> but it needs to be a shared sacrifice. >> tom is with us. >> we have let ourselves get our credit cards get in the wrong

happened. >> how out of hand? >> will, i guess a lot out of hand. like $40,000 of credit card debt. >> and you're laughing. that sounds like a lot. what kind of income do you have? >> we have about $100,000 of income. >> did this debt occur because of one particular incident in your life, like a medical problem or a business failure or something like that? or was it just steady as you go, it just kept building? >> um, it's mainly due to a so it was not a disaster but something that you'll have a return on an investment, we hope. >> and that's a college degree? >> we hope, yeah. >> so in this category it means that it's more like a student loan? that means that you and your

wife don't have an under lying financial problem with how you handle money? >> that's correct. >> and you were actually making an investment in the future. what i would recommend in this case, i think you're an ideal candidate to go sit down with the consumer credit counseling service, whatever it's called in your area, sit down with a counselor for free. they will help you come up with a budget that you on your own will take this from 40 to 0. and i bet, based on your income, that you can do that over four or five years without any intervention from anybody. next on clark howard -- >> it looks like i'll be doing it until 65 or maybe 75.

>> what is your current on the six-year loan? >> it's 22%. >> it's what? 22%? >> 22%. >> 22%! >> yeah, that's why 6% is great.

you have a question about an outstanding loan on a car? >> yes, i bought a car and got a loan on it, obviously. it's a six-year loan. >> a six-year loan?

>> caller: yeah, six years. >> okay. the first conversation that we need to have, the longest car loan that makes financial sense in terms of what happens with your financials is 42 months. now you're two years in and have a question for me about it in. >> yes. i got a credit union account. >> okay. >> good job. >> and i've had it for about six months now and, just out of curiosity, i went in there and scene that they refinanced the vehicle and they will only fund the blue book of the car. >> right, they don't want to be upside down so they want you to come up with the money. and would they give you a better rate? >> caller: you know, i'm not sure. >> i would ask that question because i don't want you to then take a six-year loan and then refinance it and make it a seven-year and then if you did the refi for, let's say, 3 1/2 years, what is your current rate on the six-year loan? >> it's 22%. >> it's what! 22%! and what if we talked about you

going into a four-year loan? would they give you a better rate? >> you know, i'm not sure. >> i would ask that question because i don't want you to then take a six-year loan and then through the refi make it a seven-year. i would rather you at least keep it at six or maybe even go, if you did the re-fi for -- >> caller: it's 22%. >> it's what? 22%? 22%. >> you got ripped off one or two years ago. and obviously i understand why you are thrilled with 6%.

do you have a question about your wallet for me? it's so easy to ask. just go to cnn.com/clark howard and click on video submission and let me know what you need to know about your wallet just like kirk has done. >> hi, i'm kirk and i need a money coach. what has happened with my 401(k) has made me sick. i worked hard to put my proceeds in there and i'm definitely not going to have enough for retirement because i see the way that the economy is going. i don't think social security is going to be there. my contributions to my 401(k) is about $3,000 a year. i hope to retire around 60, 62, but it looks like i'll be doing it until 60, maybe 75. do i continue to put money into the 401(k) or do i diversify and put it into something else? gold, platinum, real estate? >> kirk, i feel your pain because all of us saw our 401(k)s get eaten up by the

stock market decline. now, on the good side of the ledger, there has been some recovery and, second, you've got to go all the way back to the 1930s to find a drop this fast and this rotten in the stock market. i still believe in stock market investing. you are approaching a point, though, that if you do intend to retire, you are going to have to do something. and that is, you are going to have to increase the money thaw save, whether you choose to put it in real estate or in a 401(k), in gold, in whatever, the amount of savings that so you know how much money to live on in your life. and if you're burnt out by the stock market, you really feel like it ate you up, what is it that you can do.

the small amount of what you do, but don't be daz zelled by that. second, real estate is a great opportunity. very different than stock market investing but i do believe in staying for the long haul as an investment on the properties. if you want to diversify a way, fine. the most important thing is to save, save, save. next on clark howard -- >> they then to hold hostage and want to buy the computer back. get that and a lot more this sunday at 4:00 p.m. on "clark howard."

hi, i'm very familiar with the area and versus water prepared to operate. and known to make a deal and that's something that -- >> well, not after the fact but as part of negotiations. >> well, let's say the lifting agent has a listing at 6%. you are coming there with no agent that they have to co-op with. in the asking price what i'm prepared to offer if agents

would be known to make a deal with the seller to come down on the commission after the fact. is that something that -- >> well well, not after the fact but as part of the negotiations. >> let's say that the listing agent has an agreement at 6% and you're coming there with no agent. and normally they would not get 3 to 3 but a shared commission. and it and sharing in the savings by you and the seller. and likely to make a higher commission than he or she would have if you were represented and you, as the buyer, would get a little better deal, the seller gets more money at the closing

table and it's really a win. i would say, convince me, why is it worth that? and the advantage in the area is things that you might normally be aware of, like what is the frequency of termites be involved? and maybe they will con vines you that they do need them or maybe you'll say, you feel much more comfortable, hey, i can go as long-range or do this on my own. professional athletes make more money than almost any of us. but you know they didn't start out that way. what is it like for an athlete to go from making, well, every

day people money to huge money? i talked with three players to find out what kind of challenges they faced. >> it was a tough -- i was married and so my wife is a dean's list student and she's working odd jobs with and making a big, bank and to >> you have just the nicest banks that you have your credit cards with. >> yes, one of your favorite -- >> what has this giants mega monster bank done to you? >> how do you keep yourself from blowing every last dollar in your life?

>> i think we are prepared for that. we were actually able to save money while in the major league. they taught us to live under and get the big checks and somehow they all evaporate. and, my kids and grandkids and it's down the road. >> isn't that cool? >> yes. >> how many kids do you have? >> get a pay increase and a lot of people, me amy wife, jessica, and we definitely never lived out of our means. i think being up and down, if i sit down tomorrow, that's what

we are prepared for. >> and in the next half hour, what these players know about their own money and what kinds of questions they have. you'll be amazed, you'll relate to some of them in your own life. >> okay. i've got a special warning for you, if you own your own business, criminals have been frustrated a lot trying to crack the computers at big companies. why? because usually big companies will have their own i.t. departments of their own security personnel on staff but in a small business, you're thinly staffed. but you might have a lot of money running through your accounts, especially on payroll days. so what criminals are doing, is they are attacking the computer systems of small businesses with what is known as trojan programs that they load on to your computer, they are able to access your bank and brokerage passwords and then at key moments, when you have high

balances, they swoop in, take over your accounts, and take off with the money. usa today had a great suggestion for small businesses. bye a new computer that you use only for banking and financial websites that you never use for anything else. next on clark howard -- >> what you're describing is the first time i ever recall a call where somebody said, oh, there's a windshield chip here and they charge you for a whole new windshield. that is new territory.

unfousht nately there are people that want to take advantage of senior citizens. if you give me this half hour, you're going to be smarter about your wallet that you can't stand it. ever since i can remember, i've been fascinating by making money. i embarked on a new mission.

i've had some issues in the past with people who have tried to steal my identity. le and so what i did was freeze my credit. there are hassles involved in freezing credit. and a real question, how much risk are you actually under stealing your identity. how do we know if you're right or not. and to figure out and and put in personal information and then by choice, you should include your social and then you'll get a number back that runs from 1 to 199. my number was nearly 500, which

put me in fairly and how do you going to my id and score and and we requested a short sale and it was roughly about $25,000 upside down. it to you but i'm trying to negotiate myself a cash settlement with them and it's $24,000 now.

and i'm not too terribly thinking that they -- >> well, it is a horse trading mode that you are in right now. >> uh-huh. >> and they are looking at, under one prospect, getting monthly payments that they may or may not or they can get a certain amount of cash up front. and you made an offer to pay 33 cents on the dollar. and came back and said, now you should come back with another counter. >> caller: my question is, when i talked to her my question and the credit for the first couple of months f. i thought i was given an opportunity and the possibility that if they are facing the point they would be willing to negotiate it a much more favorable and whatever they agree to write off. >> yeah, i'm willing to make that sacrifice, absolutely.

>> and just because you've been told itsz 18 or nothing. you say, how about nothing. i'll just stop paying. this is a situation where you can choose to flex your muscle as much or as little as you want, you be careful how far you push this thing. >> someone from self employed. and such a wonderful choice for self-employed individual or awhat i'm hearing is i'm feeling like i should be contributing each other to it. >> and for the savings account, it's a combination of a high deductible health insurance plan coupled with a tax-free savings account. and the kt fact that it's tax and flex your muscles as much or as little as you want, you be careful how far you push this thing. >> someone from self employed. and such a wonderful choice for self-employed individual or probably waiting for more than a year. are you self ployed? >> well, my husband is. >> and that is such a wonderful

choice. >> well, that's great to hear. from what i'm hearing from you, it is a good thing but i'm also feeling like i'm needing a better understanding on how to manage it. >> let's see how well or poorly i can answer. >> well, i think one of the main things that i need to figure out is how much we will be contributing each year to it. >> to your tax-free savings account? let me do a quick premer for people. it's a combination of a high deductible health insurance plan. coupled with a tax-free savings account to pay for medical, but even better than the fact that it's tax free, your husband gets a triple tax benefit from doing an hsa. and, wait, there's more.

there's more if your husband is making and you combined with him making good money, then it's to your advantage to allow the hsa money to grow tax free for the visits that you would normally pay for the account. >> and so if you have anything for any major need for that money down the road -- >> that's a great question. what happened is that it can transition into money the retirement for the medical and retire or whatever that time, transition for money to pay, what would be your out of pocket at that time of your life. >> okay. >> again, tax free. >> the main thing is that overall we strike a balance. >> recommending to your money. >> what? what? are you serious? if we have a medicare system at the time that you retire, it transitions to be money that you would be your out of pocket. at that time, again, tax-free.

next on clark howard -- >> the main disagreement point is that overall, sarah is -- >> what is it that this investment advisor is recommending to your pocket? >> what? what? are you serious? >> yes. >> no, no, no, no, no, no. 's so you're watching your i'm

so you're watching your i'm trying to the death of my father is taking care of her financial matters and an investment advisor recommended an investment product and. >> what? >> an investment adviser recommended an investment product that i'm somewhat skeptical about. >> how old is your mom? >> she's 72. >> and what is it that this investment advisor is recommending to your mom. >> what? what? are you serious? >> yes. >> no, no, no, no, no, no. what is wrong.

i don't know if that individual investment adviser is just misguided or if it's an individual. but there is absolutely never a circumstance, never where a variable annuity would be proper for someone in her 70s. a variable annuity is a type of an insurance product that has massive commissions and massive ongoing expenses and huge what are known as surrender charges. the idea at 27 is that normally your mom is not looking for someone that would cover her needs and flat out bad, rotten terrible it's time for money coach. find out what i think is best

there is not a reasonable difference of opinion on this. flat out, bad, rotten, terrible, crooked advice. it's time for money coach. that's where you get to pose your financial situation to me and find out what i think is best for you to do. and right now we are going to visit with ben and sarah and hear their story and get their question. >> hi, my name is sarah. >> and my name is ben. >> and we need a money coach. >> in the last year we've got married and bought a house and sarah started school and i got done with school. >> since we got married, we can't have enough and to make sha that we're able to in the future. our question is, how much should

we be investing and where should we be investing our money? >> first, i've got to tell you neat it is that you're spending and watching where your money goes. the first step to really getting something that you've got to deal with first. carrying a pretty good interest rate. the first priority is to pay the student loans. pay as much as you can towards the highest student loans and pay for the retirement savings, you want to start some for retirement so the solution that i think works for you and for others.

you know, in this dilemma where you have debt in your life but at the same time you know you need to save for retirement, my best answer is the 50/50 solution. take 50 cents of it and put it towards the outstanding debt and put it towards reteermt. the offer of a 401(k) plan at work where there's a company match, you always want to put in at least free money. next on clark howard -- >> the key is what are you paying right now for an interest rate? because that's really what makes the decision. >> we're in the high 6s, i think. >> high 6s? hear something about the hybrid. and that's something for the first time shows hybrid will actually pay off.

hi, mary, how are you? >> i'm good, thanks. >> one of your favorite and what has this monster mega bank done to you? >> well, they increased my interest rate on the credit card. >> from what to what? >> from 10 point -- >> i believe it's 11.99 and 5,000 and now it's increased and it's $60 that i pay it's going to finance charges. >> here's a question for you. were you given an option to reject the interest rate increase? >> i do not recall sighing that. >> how long has it been since -- >> how long has it been? >> i just noticed it on the statement that i received.

>> they may have given you notice a few months ago and you just noticed that the rate was higher? >> they might have, yeah. >> so this $5,000 balance, do you have funds in savings or is there any -- do you have any source ever cash that you could use just to tell them to get lost? >> well, about 2,000. >> well, then at the very least, wipe out your savings account. and i know that sounds weird but on your savings you're earning maybe 1% if. versus paying interest of 16%. >> right. i would take that 2 grand, put it towards the credit card and then you can -- the same payment you spend each month would have a much greater impact and are you a member of a credit union, and no matter what you do and

you might not -- i recently visited with the members of the atlanta braves and i've been their money coach. >> so you know the stories of all of the big-time athletes who finish their career and it looms in your head, when i made $1 million i thought i'd be set for life and then you look in your bank account and there's a lot less there than you think. so that's why you have people to ask questions to. >> obviously you never know who you are going to answer questions for and we're going to have enough money to pay off our house and we don't know whether to pay it off and the rest of our lives hopefully, property taxes or to stay liquid, or a

combination there of and get a very management mortgage payment. >> well, the key is, what are you paying right now as an interest rate because that's really what makes the decision. >> we're in the high 6s, ithink. >> high 6s! >> it was just an interest only loan. we either have to refinance it. >> pay it off. pay it off. pay it off. >> all right. that's what i plan. >> wow. see if you told me you were sitting at a 4.5% or 4.75% the really great rates people got earlier this year you'd be in the cat bird's seat and you just sit there and pay it as agreed over the years. >> right. >> but at six point whatever, bail out. >> thank you very much. >> sure. >> appreciate it. >> what's going on with your wallet? >> everything's good. you know, got a question about investing in this rough economy. >> great. >> what are some things i can do to -- for the long run as far as save money? >> well, the thing is that, you know, you're young. you're going to have a playing

career that will end much younger than most people's lives, you know, their work lives, and what you do right now. so you have to invest far more money every year than other people. and you do the same kind of portfolio as someone else but the amount of your pay that has to go in has to be a much, much, much higher percentage, where a typical person would be 10% of their pay through their working lifetime. believe it or not, what percent do you think you should be saving? >> well, right now it's a good question. a lot. >> believe it or not, it should be half of your take-home pay. more specifically, i would say half of your savings and put them in tax free municipal bonds. intermediate length. intermediate is like seven to 11 years and then the other half i would diversify international and this is something that scares a lot of people. i would do as much as half of

your stock based portfolio overseas. >> okay. >> and the other half domestic. >> okay. good deal. next on "clark howard" -- >> not just players in the ballpark. they have money questions for me. so do the fans.

president obama wins the world's most prestigous prize for peace the same week he plans the future of this nation's fight in two major wars. a mother supported gun rights so much she wore one to her child's soccer game. then she became a victim of gun violence herself. this family tragedy was viewed live via web cam. people joked about it being a bomb the moon mission. for astronomy buffs the bomb was no joke. when they got up in the wee hours to see two spacecraft hit the moon. what some of them are saying about the less than spectacular show. hey there. thanks for having us over. you're watching hln. i'm virginia cha.

baseball fans in colorado will have to wait another day to see the rockies play their home opener in this year's postseason. major league baseball has postponed tonight's divisional playoff game between the rockies and phillies due to this -- snow. it's the scene inside the stadium in denver earlier today. the game has been pushed to tomorrow night. right now the best of five series is tied at one game apiece. president obama targeting a plan for america's wars just hours after winning the nobel prize for peace. he and his national security advisors are planning the next phase of the war in afghanistan. they met all week behind closed doors with both military leaders and congressional leaders. the top u.s. commander in afghanistan is believed to have offered a range of options but general stanley mcchrystal is pushing the president to maximize boots on the ground. meantime, vice president joe biden is pushing to keep troops at current levels. he says he'd rather see an increase in technology and targeted strikes. another strategy meeting is scheduled for wednesday but the

president's spokesman says this is not a decision mr. obama is likely to make quickly. >> i think there's obviously in each of these an agenda where we're going through, again, as we've talked about, understand ing and enunciating clearly the goal, the strategy to accomplish the goal, and ultimately we'll get toward -- get to discussion decisions about resources needed in order to implement a strategy to meet that goal. >> according to a recent "usa today"/gallup poll america is split almost down the middle on whether to send more troops to u.s. 48% say yes. 45% say no. an associated press poll also finds public support for the afghan war dropped four percentage points in july. meantime, the violence against u.s. soldiers is increasing in afghanistan. roadside bombs killed three coalition troops yesterday, including one u.s. service

member. 865 u.s. troops have been killed in afghanistan since operation enduring freedom began. while he muls over a course of action in afghanistan the president also has a little basking to do after winning the nobel peace prize. he freely admitted he was stunned to get it. ed henry tells us more about the nobel committee's decision and what the award could mean to barack obama's presidency. >> good morning. >> reporter: yes, he can win the peace prize on the same day his war council met again to consider sending up to 40,000 more troops to afghanistan. while a second war is winding down but still raging in iraq. fresh reminders this award is more about the promise of change than actual change. >> we have to confront the world as we know it today. i am the commander in chief of a country that's responsible for ending a war and working in another theatre to confront a ruthless adversary that directly

threatens the american people and our allies. >> reporter: the norwegian nobel committee cited the president's ability to create a new climate around the world. >> is to be awarded to president barack obama for his extraordinary efforts to strengthen international diplomacy and cooperation between peoples. >> reporter: a deliberate approach from day one to break from the bush years, especially with an historic speech to the muslim world in cairo. >> i'm also proud to carry with me the good will of the american people. in a greeting of peace from muslim communities in my country. [ speaking in foreign language ] >> reporter: as well as major speeches in prague and at the united nations, laying out an aggressive plan to rid the world of nuclear weapons. >> all nations have the right to peaceful nuclear energy. that nations with nuclear weapons have a responsibility to move toward disarmament. and those without them have the

responsibility to forsake them. >> reporter: but so far only great speeches with little tangible results. >> i think certainly you have to give him an "a" for trying but aut the end of the day what has he accomplished? >> reporter: not to mention the details of other accomplishments are still a little, well, fuzzy. >> i ordered the prison at guantanamo bay closed and we are doing the hard work of forging a framework to combat extremism within the rule of law. >> reporter: top administration officials now admit they'll likely miss the january deadline of closing guantanamo, a prime example of the difficulty of translating the president's vision into some actual victories. ed henry, cnn, washington. conservative talk show hosts were quick to denounce the president being awarded the nobel peace prize. >> i don't believe this! >> gandy never got a nobel peace prize. >> the chafrm of the republican

national committee also was quick to dismiss the award and yesterday said, quote, the award should have gone toward people who made real achievements working toward peace and human rights. but other republicans are starting to back peddle on their criticism. former gop presidential candidate mike huckabee says republican criticism could begin to sound like, quote, right wing whining. some democrats starting to attack republicans over this issue, on her twitter page senator mccaskill said she is feeling like she lives in an alternative universe. she says the same people who called anyone who disagreed with the previous president unpatriotic are now jeering when the current president gets the peace prize. meanwhile, referencing a huge embarrassment for president bush, secretary of state hillary clinton's spokesman said it's better for the united states to have accolades tossed its way rather than shoes. as you see here last week an iraqi journalist threw shoes at president bush which is considered a strong insult in the arab culture. we have brand new dramatic video from last month's tsunami

in american samoa from a surveillance camera at an fbi office building. there you can see the water rushing through the parking lot tossing several cars and trucks around. the building itself, though, only had minor damage. more than 165 people died when the powerful earthquake and tsunami hit the samoa islands september 29th. parts of arkansas that got drenched by rain this week will have a sunny day to dry out. what a difference 24 hours makes. take a look at that school bus. now, the driver and a student got trapped when the bus was swept off the road and carried downstream by a fast rising creek. a rescue crew had to ride out in a track hoe, kick in a front window to get them out. now, in little rock firefighters were called in to rescue kids at a daycare when flood waters rushed in. the water inside the center was reportedly waist high. nine children and two adults had to be rescued. >> it scared me to death when i pulled up and saw the rescue personnel here. i didn't know what to think. and then they took me to the

ambulance and my little girl was in there but she was safe and sound. looked like she got rescued. >> thank goodness. there were no reports of any injuries though parts of the state that were hit with rain are expected to be sunny and dry today. as i mentioned, flood warnings are still up in a couple areas because of rising rivers. a sad irony in the death of a mom who grabbed attention by wearing a holstered handgun to her daughter's soccer game. how this woman died in a murder-suicide as she talked on a web cam.

two people died at a sweat lodge in arizona. investigators are trying to find out what happened. they say more than a dozen people got sick during the

two-hour spiritual retreat session thursday. four of them are still in the hospital, one in critical condition. tests for carbon monoxide and other contaminants were negative. police say bone fragments dug up in phillip garrido's back yard and a neighboring property probably belonged to american indians. garrido and his wife are charged with the rape and kidnapping of jaycee dugard. investigators discovered the bones while searching garrido's home for evidence in the dugard case as well as other unsolved crimes. now, according to the sheriff's office scientists were not able to pull dna from the bones. an anthropologist concluded the fragments were probably human but very old. police say a man shot his wife to death while she was talking to a friend via web cam on wednesday. the pennsylvania man, authorities say, then killed himself. susan candiotti has more on the shooting death on the woman who was an outspoken advocate for gun rights. >> reporter: melanie hoehn first made headlines wearing a loaded

gun on her waist band to her daughter's soccer game. she said -- >> a lot of people think i'm looking for attention. i want the attention on the issue. >> reporter: at issue in pennsylvania and 41 other states, it's legal to openly carry a gun. >> people were asking me initially, is she crazy? contrary to what the facts sound like, she was just a normal, friendly, and nice. >> reporter: but wearing a gun to a soccer game made some people nervous. the sheriff took away hoehn's concealed weapons license. in court she won it back. >> it's not just the second amendment. i tell people this all the time. you know, it's not just about gun rights but about every right that we have. >> reporter: mrs. hain sued the sheriff for violation of her constitutional and civil rights to the tune of $1 million. a few months ago mrs. hain told her lawyer she and her husband were separating and that she wanted a protective order but a court tells us she has none on file and police say the couple was living together. wednesday night, something went wrong. >> i heard like a ba boom and i

hear kids screaming. >> the irony is that it appears her life was taken by that maybe very right for which she was fighting for. >> reporter: gun rights advocates called this a sad case of domestic violence but gun control advocates see it differently. >> the danger came within her own household from her own husband. that's ironic but all too true that guns create these risks and dangers and we see too much of that in this country. >> our thanks to susan candiotti for that report. police say the online friend hain was chatting with called 911. a ucla student is expected to recover from being stabbed in the neck. police arrested a fellow student but they say they're not clear on a motive. he's described as the victim's chemistry lab partner. people in the lab say they were stunned when the 20-year-old woman stabbed a teaching assistant rushed to stop the bleeding. last night the man who called

911 talked to mike galanos on hln "prime news." >> you coming to the scene after she's injured and we need some help, right? >> exactly. i didn't see it happen but it was within seconds and it was good thinking from the part of the t.a. because i think everybody freaked out when it happened and she was on the floor and so instead of him leaving and calling for help, he made sure he covered that wound and so, you know, blood doesn't -- she doesn't lose a lot of blood. >> sounds like this teacher's assistant did a great job. >> very smart. absolutely. >> the suspect is in jail on $1 million bail. he'll be arraigned on tuesday. even if you think you've heard everything, there is to hear about new york, there are lots of hidden spots worth checking out. one of our i reporters has this. >> hi. i'm julio.

we're in new york city. and i want to show you some of my best kept secrets in new york. we're inside the cathedral church. this is actually a hidden gem in new york because people don't know about the musical programs, the outreach to the community that the cathedral offers and just the beauty of it. we're here at the hudson river parks pier 54. it's the remains of what's left of magnificent pier. for me it's the place where i end my bike ride, on that little bench there. and it also has a very historical significance, because this is where they brought the survivors of titanic when they came back. welcome to coney island, usa. this is where new york city ends. this is one of the world's most famous amusement parks. what makes this place very special, it's like stuck in time. the attractions are the same from years ago. the whole feel, the atmosphere,

the place is very old fashioned. those are the secrets of my new york city. i want to see your secrets. go to i-report.com/my city my secret. let's see them.

armed militants are holding hostages inside a pakistani army headquarters. gunmen opened fire on the headquarters security checkpoint south of islamabad earlier today. now, the military says ten people were killed in the raging gun battle. six army guards are among the victims. four attackers also died. this is the third major attack in pakistan this week. the taliban claimed responsibility for a car bombing that killed more than 50 people. authorities have questioned at least two more people in the terror probe involving that man you just saw, 24-year-old najibullah zazi charged with conspiring to use weapons of mass destruction on u.s. soil. he has plead not guilty. both of the men questioned live in queens, new york. media reports say the two accompanied zazi to pakistan where authorities say he received al qaeda training but investigators haven't announced any charges against the two men. meanwhile, friday zazi's father pleaded not guilty after a grand jury indicted him on charges of making false

statements to investigators. some muslims and civil rights lawyers in new york are planning to press the fbi to carry out its investigation what they call respectfully. president obama kept his weekly address to the nation focused on health care today. he says the move to bring meaningful reform to health care is gathering momentum. he also says he sees unprecedented consensus on the need for change from both doctors and drug manufacturers. he says even republican governors and former gop lawmakers are backing the changes. >> the legislation would make coverage affordable for millions of americans who don't have it today. it will bring greater security to americans who have coverage with new insurance protections and by attacking waste and fraud within the system it will slow the growth in health care costs without adding a dime to our deficits. >> in the republican response today, senator george lemieux of florida agreed on the need for change but he also urged the

democrats to slow the process down. he says any solution shouldn't be worse than the problems that need to be solved. >> tens of millions of americans have no health insurance at all. we in the congress have a duty to tackle this problem, but the solution we settle upon should not be rushed and the solution should not be worse than the problem we are trying to solve. right now senate democrats and white house officials are behind closed doors crafting their final health care overhaul proposal. while the democrats in congress have not yet provided the actual language of the proposed law we do know enough for americans to be concerned. >> the senate finance committee is set to vote next week on a plan. one of the most influential democratic lawmakers could become a liability for his party. that's what some political analysts are saying about representative charlie rangel. he has been under an ethics investigation for not paying taxes and not reporting some assets. those analysts say democrats could face a back lash in next year's elections if they don't

handle the allegations carefully. republicans tried to remove rangel as chairman of the house ways and means committee this week but democrats blocked that. president obama will speak to the largest gay rights group in the country tonight. his speech before the human rights campaign comes the night before a march in washington that's expected to draw thousands of gay and lesbian activists. members of the gay community have criticized the president for not acting quickly enough to end the military's don't ask don't tell policy. gay activists also want the president to repeal the defense of marriage act. well, first fannie mae and freddie mac needed government bailouts. well, now the federal housing authority could be next. in testimony before congress this week the fha commissioner insisted his agency would not need to be rescued but the "new york times" reports that at least 20% of the fha's loans from last year are in trouble, even facing foreclosure. the fha insures nearly 5.5

million single family mortgages worth as much as $675 billion. reaction is in a day after nasa's big crashes into the moon. was it the big bang you expected or were you anything but dazzled by the much hyped spectacle? hear what people are saying right here on hln "news and views."

president obama wins the world's most prestigous prize for peace the same week he plans the future of this nation's fight in two major wars. a mother supported gun rights so much she wore one to her child's soccer game. then she became a victim of gun violence herself. this family tragedy was viewed live via web cam. people joked about it being a bomb the moon mission. for astronomy buffs the bomb was no joke when they got up in the wee hours to see two spacecraft hit the moon. what some of them are saying about the less than spectacular show. hey there. thanks for having us over. you're watching hln. i'm virginia cha.

baseball fans in colorado will have to wait another day to see the rockies play their home opener in this year's postseason. major league baseball has postponed tonight's divisional playoff game between the rockies and phillies due to this -- snow. it's the scene inside the stadium in denver earlier today. the game has been pushed to tomorrow night. right now the best of five series is tied at one game apiece. president obama targeting a plan for america's wars just hours after winning the nobel prize for peace. he and his national security advisors are planning the next phase of the war in afghanistan. they met all week behind closed doors with both military leaders and congressional leaders. the top u.s. commander in afghanistan is believed to have offered a range of options but general stanley mcchrystal is pushing the president to maximize boots on the ground. meantime, vice president joe biden is pushing to keep troops at current levels. he says he'd rather see an increase in technology and targeted strikes. another strategy meeting is

scheduled for wednesday but the president's spokesman says this is not a decision mr. obama is likely to make quickly. >> i think obviously in each of these there's an agenda where we're going through, again, as we've talked about, understanding and enunciating clearly the goal, the strategy to accomplish the goal, and ultimately get to discussion decisions about resources needed in order to implement a strategy to meet that goal. >> according to a recent "usa today"/gallup poll america is split down the middle. 48% say yes, 45% say no. an associated press poll also finds public support for the afghan war dropped four percentage points in july. mean tooi meantime the violence against u.s. troops is increasing in afghanistan. roadside bombs killed three

coalition trooms yesterday including one u.s. service member. 865 u.s. troops have been killed in afghanistan since operation enduring freedom began. while he mulls over a course of action in afghanistan the president also has a little basking to do after winning the nobel peace prize. he freely admitted he was stunned to get it. ed henry tells us more about the decision and what the award could mean to barack obama's presidency. >> good morning. >> reporter: yes, he can win the peace prize on the same day his war council met again to consider sending up to 40,000 more troops to afghanistan. while a second war is winding down but still raging in iraq. fresh reminders this award is more about the promise of change than actual change. >> we have to confront the world as we know it today. i am the commander in chief of a country that's responsible for ending a war and working at another theatre to confront a

ruthless adversary that directly threatens the american people and our allies. >> reporter: the norwegian nobel committee cited the president's ability to create a new climate around the world. >> is to be awarded to president barack obama for his extraordinary efforts to strengthen international diplomacy and cooperation between peoples. >> reporter: a deliberate approach from day one to break from the bush years, especially with an historic speech to the muslim world in cairo. >> i'm also proud to carry with me the good will of the american people in a greeting of peace for muslim communities in my country. [ speaking in foreign language ] >> reporter: as well as major speeches in prague and at the united nations laying out an aggressive plan to rid the world of nuclear weapons. >> all nations have the right to peaceful nuclear energy, that nations with nuclear weapons have a responsibility to move toward disarmament.

and those without them have the responsibility to forsake them. >> reporter: so far, only great speeches with little tangible results. >> i think certainly you have to give him an "a" for trying but at the end of the day, what has he accomplished? >> reporter: not to mention the details of other accomplishments are still a little, well, fuzzy. >> i ordered the prison at guantanamo bay closed and we are doing the hard work of forging a framework to combat extremism within the rule of law. >> reporter: top administration officials now admit they'll likely miss the january deadline of closing guantanamo, a prime example of the difficulty of translating the president's vision into some actual victories. ed henry, cnn, washington. conservative talk show hosts were quick to denounce the president being awarded the nobel peace prize. >> i don't believe this! >> mahatma gandhi never got a nobel peace prize. >> it is such a joke. >> the chairman of the

republican national committee was also quick to dismiss the award and yesterday michael steele said the award should have gone, quote, to people who have made real achievements working toward peace and human rights. but other republicans are starting to back peddle on their criticism. former gop presidential candidate mike huckabee says republican criticism could begin to sound like, quote, right wing whining. some democrats starting to attack republicans over this issue. on her twitter page senator mccaskill said she feels like she's living in an alternative universe and says the same people who called anyone who disagreed with the previous president unpatriotic are now jeering when the current president gets the peace prize. meanwhile, referencing a huge embarrassment for president bush, secretary of state hillary clinton's spokesman said it's better for the united states to have accolades tossed its way rather than shoes. as you see here, last year an iraqi journalist threw shoes at president bush, which is considered a strong insult in the arab culture. we have brand new dramatic video from last month's tsunami

in american samoa from a surveillance camera at an fbi office building there. you can see the water rushing through the parking lot tossing several cars and trucks around. the building, itself, though, only had minor damage. more than 165 people died when the powerful earthquake and tsunami hit the samoa islands september 29th. parts of arkansas that got drenched by rain this week will have a sunny day to dry out. what a difference 24 hours makes. take a look at that school bus. now, the driver and a student got trapped when the bus was swept off the road and carried downstream by a fast rising creek. a rescue crew had to ride out in a track hoe, kick in a front window to get them out. now, in little rock firefighters were called in to rescue kids at a daycare when flood waters rushed in. the water inside the center was reportedly waist high. nine children and two adults had to be rescued. >> it scared me to death when i pulled up and saw all the rescue personnel here. i didn't know what to think. and then they took me to the

ambulance and my little girl was in there but she was safe and sound and looked like she got rescued. >> thank goodness. there were no reports of any injuries though parts of the state that were hit with rain are expected to be sunny and dry today. as i mentioned, flood warnings are still up in a couple areas because of rising rivers. a sad irony in the death of a mom who grabbed attention by wearing a holstered hand gun to her daughter's soccer game. how this woman died in a murder-suicide as she talked on a web cam.

vitamins, antioxidents, a lot of us are interested in supplements that may improve our health but how far would you go to get them? dr. sanjay gupta looks at a new trend in this week's "vital signs." >> reporter: in a trendy tokyo neighborhood this is home to one of the latest japanese quick fix health fads, the iv cafe. here visitors look to get their vitamins intravenously, no appointment necessary. each pack is said to contain saline solution and specific vitamins and minerals to target a particular health ailment or beauty concern. there are ten different varieties to choose from. the orange touts antiaging properties loaded with antioxidents. the placenta pack is said to help rejuvenate and ease muscle stiffness but there is no co conclusive medical evidence to back up the claims and japan's national health insurance won't pay for the treatments. the iv cafe and its marketing of what it calls instantaneous

health is considered a trend in japan, a country known for all kinds of fads. >> for a look at the latest in health and medicine just go to our website, cnn.com/vital signs. 37 states now have widespread cases of the swine flu according to federal health officials. they say 76 children have died of h1n1 nationwide. that includes 19 new reports in just the past week. yesterday health and human services director kathleen sebelius again assured people that the h1n1 vaccine is safe but a recent survey from the harvard school of public health found just 4 in 10 adults say they're getting the vaccine. police say bone fragments dug up in phillip garrido's back yard and a neighboring property probably belonged to american indians. garrido and his wife are charged with the rape and kidnapping of jaycee dugard. investigators discovered the bones while searching garrido's home for evidence in the dugard case as well as other unsolved crimes.

according to the sheriff's office scientists were not able to pull dna from the bones. an anthropologist concluded the fragments were probably human but very old. a ucla student is expected to recover from being stabbed in the neck. police arrested a fellow student but they say they're not clear on a motive. he's described as the victim's chemistry lab partner. people in the lab say they were stunned when the 20-year-old woman was stabbed. a teaching assistant rushed to stop the bleeding. last night the man who called 911 talked to mike galanos on hln prime news. >> you come into the scene after she's injured and we need some help here, right? >> exactly. >> okay. >> i didn't see it happen but, you know, it was within seconds. and it was good thinking on the part of the t.a. because i think everybody freaked out. >> sure. >> when it happened and she was on the floor and so instead of, you know, him leaving and calling for help, he made sure, you know, he covered that wound

and so, you know, blood doesn't -- she doesn't lose a lot of blood. >> sounds like the teacher's assistant did a great job. >> very smart. absolutely. >> the suspect is in jail on $1 million bail and will be arraigned on tuesday. police say a man shot his wife to death while she was talking to a friend via web cam on wednesday. the pennsylvania man authorities say then killed himself. susan candiotti has more on the shooting death of the woman who was an outspoken advocate for gun rights. >> reporter: melaenie hain first made headlines by wearing a loaded gun to her daughter's soccer game. >> i want the attention on the issue. >> reporter: at issue in pennsylvania and 41 other states it's legal to openly carry a gun. >> people were asking me initially is she facts sound like she was just a normal, friendly, and nice. >> reporter: but wearing a gun to a soccer game made some people nervous. the sheriff took away hain's

concealed weapons license. in court, she won it back. >> it's not just the second amendment. i tell people this all the time. you know, it's not just about gun rights. it's about every right that we have. >> reporter: mrs. hain sued the sheriff for a violation of her constitutional and civil rights to the tune of $1 million. a few months ago mrs. hain told her lawyer she and her husband were separating and that she wanted a protective order. police tell us she had none on file and the couple was living together. wednesday night something went wrong. >> i hear a ba boom and i hear kids screaming. >> the irony is it appears her life was taken by that maybe very right for which she was fighting for. >> reporter: gun rights advocates call this a sad case of domestic violence. but gun control advocates see it differently. >> the danger came within her own household from her own husband. it's ironic but all too true

that guns really create these risks, create these dangers, and we see too much of that in this country. >> our thanks to susan candiotti for that report. police say the online friend hain was chatting with called 911. some supporters of president obama say they're waiting for him to fulfill campaign promises. he appears before one group of them tonight. what they say they're waiting for him to do.

two people died at a sweat lodge in arizona. investigators are trying to find out what happened. they say more than a dozen people got sick during the spiritual retreat session. four are still in the hospital. tests for carbon monoxide and other contaminants were negative. armed militants are holding hostages inside a pakistani army headquarters. gunmen opened fire on the headquarters security checkpoint south of islamabad earlier today. now shall t now, the military says ten people were killed in the raging gun battle. six army guards were among the victims and four attackers also died. this is the third major attack in pakistan this week. the taliban claimed responsibility for a car bombing

that killed more than 50 people. president obama kept his weekly address to the nation focused on health care today. he says the move to bring meaningful reform to health care is gathering momentum. he also says he sees unprecedented consensus on the need for change from both doctors and drug manufacturers. he says even republican governors and former gop lawmakers are backing the changes. >> the legislation would make coverage affordable for millions of americans who don't have it today. it will bring greater security to americans who have coverage with new insurance protections. and by attacking waste and fraud within the system it will slow the growth in health care costs without adding a dime to our deficits. >> in the republican response today senator lemieux of florida agreed on the need for change but he also urged the democrats to slow the process down. he says any solution shouldn't be worse than the problems that need to be solved.

>> tens of millions of americans have no health insurance at all. we in the congress have a duty to tackle this problem but the solution we settle upon should not be rushed. the solution should not be worse than the problem we are trying to solve. right now senate democrats and white house officials are behind closed doors crafting their final health care overhaul proposal. while the democrats in congress haven't yet provided the actual language of the proposed law we do know enough for americans to be concerned. >> the senate finance committee is set to vote next week on a plan. one of the most influential democratic lawmakers could become a liability for his party. that's what some political analysts are saying about representative charlie rangel who has been under an ethics investigation for not paying taxes and not reporting some assets. those analysts say democrats could face a back lash in next year's elections if they don't handle these allegations carefully. republicans tried to remove rangel as chairman of the house

ways and means commit thtee thi week but democrats blocked that. president obama will speak to the largest gay rights group in the country tonight. his speech before the human rights campaign comes the night before a march in washington that's expected to draw thousands of gay and lesbian activists. members of the gay community have criticized the president for not acting quickly enough to end the military's don't ask don't tell policy. gay activists also want the president to repeal the defense of marriage act. first, fannie mae and freddie mac needed government bailouts. now the federal housing authority could be next. in testimony before congress this week the fha commissioner insisted his agency would not need to be rescued but the "new york times" reports that at least 20% of the fha's loans from last year are in trouble, even facing foreclosure. the fha insures nearly 5.5 million single family mortgages worth as much as $675 billion. reaction is in a day after

nasa's big crashes into the moon. was it the big bang you expected or were you anything but dazzled by the much hyped spectacle? hear what people are saying right here on hln "news and views." ddddddddddddd

incredibly chilling 911 call. on it a horrifying mistake by cops. an intruder breaks into a family home. the father somehow gets his gun out. cops think dad is the bad guy and they shoot him six times. it's all recorded on the 911 call. >> what's happening? >> i'm the homeowner. i'm the homeowner. >> the homeowner survived and now he is suing the cops. an 11-year-old girl so sick she could no longer walk, talk, eat. instead of taking her to a doctor her parents only prayed. now she's dead. and mom and dad are going to

jail, sentenced to one month each year over the next six years. what do you think of that punishment? is that justice? controversy, opinion, your point of view. this is "prime news." welcome once again. i'm mike galanos. our first story is so chilling. imagine calling 911 because a guy breaks into your house. you catch him and somehow you have him at gunpoint. you're in the driver's seat. while you're on the phone though with 911, cops come and shoot you instead of the thug. unbelievable. let's bring in our "prime news" correspondent richelle carey with more details. go ahead. >> okay, mike. the homeowner is tony arambula, shot six times including once in the back and now he's suing the phoenix police department for nearly $6 million in damages. he says that newly released 911 calls reveal what really happened that night. we want to warn you, this is really, really tough stuff to

listen to. so here we go. >> what's the emergency? >> i just heard gunshots through my window. >> is anybody hurt in your house? >> i don't know yet. i have two kids here. >> i'm the homeowner, you just shot, you shot the homeowner. get out, get out then [ bleep ]. >> get up. get up. >> what's going on, sir? >> oh, my god! oh, my god! >> sir, what haepgs? >> i'm the homeowner. i'm the homeowner. >> all right. an internal affairs review, officer brian lilly admitted opening fire without giving a verbal warning. still, the force has cleared him of any wrongdoing. so there you have it, mike. >> okay. richelle, thanks again. it's tough to watch. thankfully, tony arambula is

recovering, still trying to piece his life back together. we'll take your calls, 1-877-tell-hln. join me to talk about this. tony's wife leslie also with us. michael manning the couple's attorney. leslie, i know this must be difficult for you. let's start off with your husband, tony. how's he doing and how is he recovering? >> my husband's never going to recover. he will never not have a full day with no pain. this has forever changed our life. >> wow. he was shot six times, shot in the back, is that right? >> yes, the first time he was shot in the back. the second time he was shot in the hip area. and then he was shot in the forearm and then he was shot three more times while he was on the floor. >> wow. did you see this unfold? >> i saw up to the point where i left my husband in the room with

the intruder who was later identified as angel canales. my husband had him secured on the floor and he was obeying all of my husband's commands. i left the room very shaken up obviously but i felt secure that my husband had the situation under control. i left to call 911 as well as my husband did and waited for the cops to come and save us. for them to remove him from our house. and little did we know that our -- who we called to save us would hurt us and change our lives forever. >> okay. so the police arrived. do you make it very clear to them that your husband is the one with the gun holding the intruder? >> you know, i don't think i could have said it any louder, more clearer than what i did.

i specifically said to the three of them, the first three that came through my back yard, i said, my husband's the one with the gun. my husband's the one with the gun. please don't shoot. i had both my children at my side. the officers went into my house and immediately i heard gunshots fired. i was literally floored, thinking, what happened? i told you. i told you he was okay. not knowing until seconds later the police dragged my husband out of our house by the leg that they had just shot him in. my kids and i were a witness to my husband's bloody body just laying there. >> couldn't imagine the pain. >> it was horrible. >> leslie, let me ask you, is it okay if i play the 911 where basically your husband is saying good-bye or would you like to avoid that? i'll leave it up to you. >> you know what? it's never easy to hear, but i think this -- it's important for

your viewers to hear this. >> okay. so you've heard leslie describe it. here it is. her husband tony has been shot and at this point i believe they both think that this might be the end. let's listen to them. >> i can't believe this is happening to me. leslie. i love you! i love you! >> did you think that was it, leslie? oh, my gosh. >> i did think that was it. i did think that was it. and it's just horrible. it's horrible. you ask someone to come and help you, to come and save you. my husband didn't shoot canales in the back because he thought that would be the wrong thing to do but unfortunately brian lilly didn't have a problem shooting my husband in the back without any commands. >> again, leslie, i'm sorry. >> thank you. >> i agree with you i think it is important for our viewers because that's the impact that this had.

it obviously brings it home. michael, let me turn to you. as we talk here isn't that a huge key to your case, that she clearly told officers, my husband has the gun, don't shoot? >> it is key to the case. she also told 911 as did tony. everybody in the circle of command here knew it was tony with the gun. more importantly, they go in. they issue no command. they don't try to calm or defuse the situation. they immediately open fire without doing anything and shoot the man in the back. >> okay. >> also, they've said that the story that was recreated a week later was that tony started moving around with the gun. they couldn't possibly have seen the gun from that position nor did they have time to see the gun. they just opened fire. >> okay. now, the phoenix police have cleared officer lilly of any wrongdoing. i want to read their statement. here's part of it anyway. unfortunately, after entering the residence, one of the officers mistakenly shot the

armed homeowner. the homeowner was then given prompt medical attention. the phoenix police department has been honest and forth right from the very onset of this incident. no attempt has been made to conceal the truth or the facts surrounding it. so again, michael, anything to add to your case as we hear that statement? >> well, yes. the 911 tape, itself, when officer lilly says to his supervisor, i [ bleep ]ed up, i started shooting without any warning, the first thing the sergeant says is don't worry. i've got your back. so that issue with respect to the coverup, starts there. >> okay. again, $5.57 million lawsuit. michael, thanks for your time. leslie, thank you for your bravery to come on. i know it's difficult but again, it's so impactful to hear this is what really the horror that you guys went through and give your husband tony our best. >> it is. i will. it is.

thank you very, very much. >> thanks. when we come back we'll talk with a former criminal investigator about how this could have happened and also an attorney to look at this case. does it look like a good case for the family? more coming up and we'll take your calls.

welcome back. we've been covering this horrifying story of home intruder enters the house. somehow that man, the dad, tony arambula gets the gun and corners the intruder. seems under control. calls 911. we just heard from his wife leslie saying she told officers my husband has the gun. please don't shoot.

ends up tony arambula the husband, the dad shot six times. now the family is filing a lawsuit. we have our experts with us. a criminal defense attorney and a former criminal investigator and we'll take your calls. from massachusetts, your thoughts here? >> caller: the police totally, totally in the wrong. this is an awful situation. my heart goes out to the family. >> yeah. >> caller: but, i mean, the wife, clearly, told the police officers that her husband, you know, had that intruder down on the ground and he had the gun. so i don't know how it was, you know, a mistake when the officer shot the guy. a shame. >> from what i'm hearing i agree. john, i think that's the key. if the wife made it clear her husband has the gun and the intruder cornered isn't that enough? do you just come in gunning? how do you see this? >> mike, i was a cop for 17 years an spent almost six years in uniform so i know first hand how difficult this kind of job can be. but what upsets me about this case is the word "mistakenly

shoot somebody six times." that can't happen. you mistakenly shoot somebody once. i can understand that. they have to look at that. i wouldn't be surprised if you see an agency with higher jurisdiction such as the state level coming back in and taking a look at this case and reviewing the actions of this officer because there are several different things i see that are not, were not followed to policy. how they could clear him on that. and just one more point. when it comes down to this case with the wife telling them who had the gun that cop had no idea going in if the situation didn't change and now the bad guy had the gun. we have to take a look at what happened in that room to spark the shooting. >> let's get another call in. it follows well with this. cynthia in louisiana, your question? >> caller: yes. when the police went into the room even though the man had the gun why not tell him to drop the gun? that's normal procedure. drop the gun. then you take action. but just going in shooting, it's like you had a field day, you know. i think that's awful.

>> singt ycynthia, let's go to with that. officer lilly from what we know didn't yell a warning or anything, drop the gun. isn't that proper procedure? >> absolutely. that's exactly what one of the aspects i said was. you don't walk into that room. you take cover using the door jam and look into the room having your gun out. so you don't expose yourself so you don't have to hastily shoot somebody. what caused this officer to shoot this guy six times is what -- again, i can't tell you i wasn't in that room but that's going to be the focus of this investigation. >> this is the statement from phoenix police. it was ruled officer lilly did not violate procedure. here's the statement. unfortunately after entering the residence, one of the officers mistakenly shot the armed homeowner. the homeowner was given prompt medical attention. the phoenix police department has been honest and forth right from the onset of this incident. no attempt has been made to conceal the truth of the facts surrounding it. let's bring in our attorney. michelle, it would seem they have a g