mother's strong suit. hmm. mm... nice to meet you. dunkin's new sausage pancake bites. sausage inside maple-flavored pancake. 3 for $1.59 -- america runs on dunkin'. hurry in to dunkin' donuts and grab 3 sausage pancake bites for only $1.59, today. we're back now with more of "today" on a wednesday morning, the 10th day of november, 2010. it's been a really nice morning to be out here on the plaza. not too cold, 49 degrees. thanks to these people for sticking around. out on the plaza, i'm matt lauer, along with natalee morales. coming up in this half hour, a little bit more of our interview with george bush, he stopped by our studio this morning for a

live interview, but we're going to show you some of the highlights of that and what happened and what we talked about coming up. >> he's a pretty funny guy. >> i like the matt lauer tax cuts. elizabeth smart kidnapped at 14 years old, taken from her bed at knife point from her utah home, she was rescued nine months later and this week she's been telling her story and the horrifying details of what she went through during her time in captaintivi captivity. and on a much different note, of course it's wednesday so that means it's time for "today's" money 9/11 giving you answers to your financial questions. among the topics today, how to get your ex's bad credit report off your credit. and then on "today's" health,

we're going to be finding out what you're at risk for, having a talk with your parents and grandparents can give you clues about your own health. find out why that's so important. ann's got the headlines. >> good morning once again, everybody, president obama arrived in south korea this morning, the third stop of a ten-day tour of asia. and meanwhile pakistan's president is saying that president obama made a mistake in not going to his country, given its role in the war in afghanistan. for eight years he held the most powerful office in the land and today in an exclusive live interview, former president george w. bush told matt about his new memoir and the tough choices that defined his presidency. >> i was aware that some of the decisions i made were very controversial and i knew that putting them in the book would create controversy. but i really wasn't concerned about what the media would think, what i'm more concerned about is how history will judge the decisions that i made.

>> you spent an entire chapter in the book talking about the financial meltdown. in the last year of your presidency, the country lost about 6 million jobs, and we fell into the deepest recession since the great depression. how much of the blame for that should be laid at your feet and on your policies? >> a lot of the blame should be laid on a lot of people, including my administration. now in the book, i make it clear that we did recognize a looming problem, and that is fannie mae and freddie mac with their exclusive government guarantees making bad investments. so i called for regulation of that industry. >> and asked what he missed about his old job, being commander in chief he said because he loves the military. elizabeth smart is back on

the stand today after her alleged kidnapping. >> reporter: good morning. just gripping testimony here yesterday. how difficult this must have been for this young woman to be talking about these things with her mom and dad sitting right there. elizabeth smart sharing details of almost daily sexual assaults for the better part of a year, and yet with a very calm demeanor here on the stand, she told everyone that while she may have been victimized, she was not a victim. a determined looking elizabeth smart walked into the courthouse for a second day of testimony against brian david mitchell, the man she says kidnapped her at knife point from her bed. smart now 23, spent more than five hours recalling nine months of captivity, horrific details of being repeatedly raped. hidden in the hills of salt lake city not far from her home and later in san diego. she describes a failed attempt to escape. i started to quitely slip away

and started down the trail. at one point mitchell took her to a library where they were approached by a detective who said they were looking for elizabeth smart. mitchell would not let him peek under her disguise and the officer left. i felt like hope was walking out the door, i was mad at myself for just not taking the chance, that i just felt like it was so close and i was just so, i felt terrible. a photo taken the day she was found. walking in a long robe and veil, police stopped and questioned them, separated elizabeth from the others and handcuffed her, but she knew she was finally free. i was very scared, at the same time i thought, this is it, i'm done, this is over. the defense contends this is a case of mental illness, of a man

who could not make a rational decision, yet elizabeth smart spend five hours on the stand yesterday. the carnival cruise ship splendor is slowly being pulled back to port after stalling off the coast of california by an engine fire. the navy has dropped thousands of pounds of supplies for the 4,500 passengers on board. it turns out that whales are increasingly suffering from severe sun burn, researchers in california say the whale's growing exposure to ultraviolet radiation may be caused by the thinning ozone layer. and the smoking chimpanzee will have help quitting smoking. they had him entertain visitors by taking drags off of

cigarettes tossed into his cage at a soon in lebanon. let's get a check of the weather from al. >> as we take a look and show you on our u.s. satellite radar, you can see that low pressure system still spinning off the new england coast, bringing some showers to coastal massachusetts, we have got another storm that's coming into the pacific northwest, bringing more rain, re-enforcing that cold air that's coming in. >> we are off to a nice, quiet start this wednesday. it will not be quite as breezy as the last couple of days. mostly sunny is the forecast.

"today's" money 9/11 is brought to you by charles schwab. and "today's" money 911, we answer some of your big financial questions from cleaning up your credit report to early withdrawal of money from your retirement fund. jean chatzky is our financial editor, the author of money 911 and sharon epperson, good morning all. >> good morning. >> all right, now, let's get started, we're going to go to pandora, that's kind of like "avatar." pandora, from aspen, colorado. good morning pandora, what's your question? >> caller: good morning, i have been divorced for two years, and i have two boys 11 and 13 and my

expadgett away several years ago. my boys also receive a monthly social security check from benefits of their father's death. what is the best way to clear up my credit and establish it and will this affect any ability to purchase a home? >> it actually depends how old those medical debts are. do you know how old -- how long they have actually been on your report? how many hearses have passed? >> yeah, is it date open or date reported that you go by? >> go by date reported. >> caller: they range from 06, 07, 08, 09. >> here's the things, items fall off your credit report after about seven years and you don't necessarily want to reset the clock on the old ones, which is what can happen if you go in and try to clear up those medical debts. chances are because you were married, you are just as responsible for those debts as

he was. i would pull a credit score and see how bad it actually is. they're so old that at this point doing nothing may actually be your best alternative. so go to credit karma.com, or credit.com and pull a report and make sure that you stay on really good behavior by paying your bills going forward. >> now we're going to go to skype. kelly in coral springs, florida. what's your question for our crew? >> i have been on short-term disability for the past six weeks and i'm trying to stay out through december. my husband and i used most of our savings account to put him through nursing school. my question is now should i cash out a small retirement naund i have. we do have three other larger accounts. i'm not as worried about the future as i am now. i want to know what the penalties would be for cashing in this retirement fund early and would they waive any of the penalties for certain

circumstances such as being on disability? >> first of all, here's what you should check on. check and see if your benefits department has short-term disability insurance, chances are they do and you can actually receive benefits from them for a short-term disability. >> i'm sorry, i do have that, i'm already on that insurance, but unfortunately it only pays 60% of my income. >> exactly. >> the good news is that you've got 60%. can you pull money out of your ira account without penalty for a short-term disability? the answer is no. you have to be on long-term disability, over 12 weeks with a doctor's note to avoid penalty. so what i would recommend you do, if you absolutely have to have money, and we almost never say this, but rather than take a distribution from your ira, or a 403(b) plan, you could take a short-term loan. go back to your benefits department and look at the rules

that they have on your 403(b) plan. that way you're paying interest back to yourself, as soon as you go back to work, you can start making payments back on that loan, you'll have no penalty and no taxes. >> and we hope you get better. >> thanks so much. >> let's go to a video question, this one is from angel from miller grove, ma pennsylvania. >> one year ago me and my wife were expecting a child, i had to purchase a second vehicle. my credit score was not the greatest. i ended up purchasing a used vehicle with a big, high apr rate, 20%. soon enough, do to my apr, i will owe more than the car's worth. i still do not have the greatest credit score and i'm trying to prevent this, what would be a viable solution. >> this guy is actually under water like a mortgage. >> that happens so often to so many people, what he needs to do right now is try to figure out exactly what his credit score is and if he can possibly refinance

to a lower rate. 20%, that's a horrible rate. he can go to capital one or auto finance.com and try to see if he can refinance. and the other thing to think about, if he refinances, he probably has not had that loan for more than about 12 months or so, so again, it's going to extend the term and he's going to have to pay off for a longer period of time. knowing that you're under water, that loan to value on your car is not on your credit report. the issue is you don't want to follow behind on other expenses that he has. >> thank you so much. for those of you on the east coast, jean is going to be dishing out some more financial advice for the next hour on our website todayshow.com. coming up, sarah and todd palin, their lives today and whether or not they're looking toward the white house in 2012. what is your risk of

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this morning on "today's" health, knowing what diseases run in your family can predict your risk of cancer. a cleveland clinic says that family health history is more reliable than genetic testing. nancy snyderman is here with more on this. what specifically does this study tell us? >> it's very interesting, it took a company that's pretty well known now in looking at genetics who can swab your mouth and say you are at risk for heart disease, colon cancer and there may be genetic markers maybe saying that you will be at risk somewhere in your life, but not nearly as predictive as knowing your family history. so knowing father, brother, uncle, grandparents, that's a much better road map than any genetic screening that's out there right now. >> the thing about it is that it's probably fair to say that most of us don't really have a good family history sense.

i mean you need to go get it. >> you need to get it and talk. if you're lucky, you have parents who know what happened to grandparents who know what happened to great grandparents and you yourself can make a really informal family tree. remember that if you have three or four family members who have died of heart disease or lung cancer and they were heavy smokers, you may say well, i'm not a smoker, perhaps that's not my risk factor, but if there's colon cancer, prostate cancer, breast cancer, you may say, there's enough there that i'm going to alter my screening. and you and i have talked about the risk benefits of when you screen, how wisely you spend your money, through knowing the sword hanging over you is the best way to figure out what's what i'm in my family, my grandfather got colon cancer early, my father

beat it, i know i will get it. that sounds morbid. that's my genetic hit so i started screening a little earlier than the average person. have had multiple polyps removed over the year, some probably would have been cancer, some were not. but i'm still negligent about it because i know that's me. >> so we all need to know what we have. >> i'm not going to die from it because i'm screening for it. no matter how you slice it or dice it, you are the genetic makeup of two people and their two people and their two people. >> i was reading in the research, sometimes when they look at the family tree, they sometimes think about what the mom had and the grandma, but they don't factor in that breast cancer on the paternal side of the family. >> can be a risk, absolutely. know that certain diseases may be somewhat related.

prostate cancer, breast cancer on either side of the family, but if daddy has breast cancer and you're a daughter, that might also put you at risk. but what you want to look for is some kind of pattern. so many women say to me my mother had breast cancer, i know i'll get it. because only about 5% or 8% of breast cancer are genetic, most of it happens for reasons we just don't understand. just take the time to say mom, dad, grandma, brand grandpa and look at that family tree and assign diseases or causes of death to them and if you're not sure what to make of it. take to your doctor and say this is my rude men try family tree, help me figure out how to be smart. >> the surgeon general operates a website that's free where you can learn how to put this information together, it's family history.hha.gov. it's a good way to get started. >> i would say even before that, the family dinner table is the best way, have those conversations.

now there's a little hiccup here. my eldest daughter who's now 24 is adopted, so kate has no idea what her family history is. so i several years ago hired a private investigator just to look to find out where her parents might have been and how they tied. going as far back as grand parents because i thought i owed that to kate to give her some kind of landscape and found out who had died of what. so at least as an adopted child, she can say, i may not have a complete family tree, but i have really something. and i think that's important for kids in their 20s to have. >> all right, very good. >> prevention starts early. >> thank you so much. on all those counts, dr. nancy snyderman. coming up next, what's next for sarah and todd palin, we'll be hearing about their marriage, their new reality tv show and 2012 coming up after these messages. nah. we have something else.

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>> live, local, latebreaking. this is a wbal-tv 11 news update. >> it looks like it is going to be another nice day. temperatures will be four or five degrees above average. the average high is 58. mostly sunny is the forecast. the seven-day forecast going into the weekend just as good if not better. we

♪ who said that you can't go home ♪ ♪ he's a hometown boy ♪ who said you can't go home that's the supergroup bon jovi and they're coming back here to rockefeller plaza, they're going to rock their second home friday morning only on "today." >> do they know that "today" is

their second home? have we made sure they know that? >> they were the artists in residence last year. >> this is home. >> that means we're sisters and brothers. >> coming up in this half hour, sarah and todd palin open up about their marriage, their kids and their future. and also ahead this morning, how to be a hostest with the mostest. and it's the season for it, lots of entertaining coming up. so we'll be showing you how to work with flowers and mashed potatoes. >> hi, bianca, how are you? >> she's the hostest with the mostest.

we're going to go into their kitchen, because they're the ones who really rule the kitchen. but from the folks at the biggest loser, sweet and salty with chocolate, a dessert that will tempt you but not crash your diet. let's see what's happening for today, we have got some heavy mountain snows, the pacific northwest windy and wet. we have got showers from the low pressure center over the east coast. tomorrow mild for the eastern third of the country, we have got some cold weather moving into the plains, wet weather in the pacific northwest by late in the day and some showers along the eastern texas coastline. >> we are off to a nice, quiet start this wednesday. we expect mostly sunny skies as we head into the afternoon. high temperatures in the low 50s.

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there's so much question about her political future. you really got to spend a good amount of time with them. two days in their home. what are the real sarah and todd palin like? >> they have a very comfortable relationship, they almost don't need to say anything to each other. in fact todd told them their couple time was a long road trip, he would take a nap and she would go out jogging. they have been married 30 years, they're comfortable, cemented and also a real working two-man team. he does everything for her. >> she even says that in the interview, she says he is my everything. >> he's putting on her earpiece for fox news, googling for the latest news, checking up on candidates she might endorse. they're a really connected team. >> the new show on tlc, "sarah palin's alaska" start this is sunday and a lot of people are wondering if this perhaps isn't an advertisement for her.

but karl rove had an interesting take, he said that it would make sarah palin appear less presidential. >> i quoted that karl rove comment to her at her kitchen counter. and she showed me her bruised muscles from kick boxing and she said i would like for karl rove to come up here and see me in a man's world. she's afraid of heights. >> it's a mark burnett production as well, right? >> it started out as a documentary about alaska and the great outdoors. you see them as a very regular family, very involve parents encouraging their kids to challenge themselves. >> so it really is unguarded, the family is exposed. and i know sarah palin has called herself a mama grizzly, do they have any concerns about

exposing their children to this kind of media. >> todd said that he did a little bit. and that's why they insisted that sarah have some editing control. they didn't take anything out, in fact sarah made some suggestions about what images to use over some of her voice over material. >> so there's no down side if she's going to have somewhat of a say there. >> right, that risk was minim e minimiz minimized, but there are still some telling scenes, willow has a friend who's a boy sneaking up the stairs. >> speaking of reality shows, her daughter bristol is a reality show star in "dancing with the stars" she actually got to the finals. and sarah palin said she actually had an ah-ha moment when her daughter bristol made a comment. what did she say? >> i think that was why they decided to just jump in and do the show. bristol said when she was going

on "dancing" you know mom, whatever i do i'm going to be criticized i might as well go dance. and sarah and todd are going to go dance. >> a lot has been made about the financial aspects of the palin household, what do we know about what kind of income or how much they're worth now adays? >> that was interesting because i was almost afraid to ask, i know it's a touchy subject with a lot of people. and they seemed unbothered by the question, though they wouldn't answer it. she said reports that she's made 12 million in her first nine months out of office are grossly exaggerated. she said we haven't even made that much yet. i said would you like to correct the record? she said no, part of the freedom of being out of public office, i don't have to. >> she talks about the freedom being unshackled from government office, i think it will be a hard change of lifestyle for her to go back to that.

but, you know, she said she hasn't made up her mind. she did say if there's an opportunity to make a difference she's going to take it. >> and she said that the kids are on board and say, sure mom, let's do it. and todd's on board. >> interestingly, he said about the show, every step we take is a step towards whatever comes next. so i think the show is the next step. >> thank you for sharing your interview with us. and you can read more the new issue of "people" magazine out today, right? and coming up, putting new sparkle into your next party right after these messages. be santabulous this christmas.

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in among on "today's" home, creative ways to entertain your guests this holiday. we have some exciting new party ideas.

hey, danielle. i feel like i'm coming to your party. >> welcome to my party and that is what we want to stress, first and foremost. the best gift you can give your friends and family is an invitation to your home. i think so many of us are like, gosh, i have to spend a lot of money or i have to put on a big show. not the case at all. we wanted to pull together some fun discoveries to inspire you to think, oh, i have something like that, i'm going to pull out us. >> maybe you can find something from your grandma's trunk, just greet your guests with something pretty. >> it sets the tone and it puts you in the mood. when i put on a cute apron, it seems silly, but i'm ready for a party. my husband has to remind me to take it off. this is from smocks design and these are from head hostess.com. >> that's fun to actually have one that matches with your

daughter. >> yeah. >> once you arrive, you say, hey, welcome to my house, then i want to serve you something fun. and you're saying there's lots of things you can buy these days or even find again in your grandmother's house. >> think about presentation and whether you're whipping up something simple or buying something from the store, it adds a really elegant touch to put it on a pedestal. this is from whitney smith's pottery.com. i would also sit a bowl of soup on those. thank you spaniards for your great idea of pop-ups. put these into little dishes. >> a great thing to have on the table. >> you're ready to go. >> one thing i thought, one time i went to a party and one of my girlfriends gave me a recipe for something that i just loved and it tasted so great. and i said i just love that. and she says i have already written it out for you because

you were talking about it and so she gave me one of these cute little cards. >> i think it's a great idea to send your gifts home with the recipe of something they enjoyed at your house. >> we love to serve wine in our house and decanting wine can really improve the flavor and we don't have a lot of decanters, sometimes you can put them in a pretty bottle. >> this bottle from three potato four shops, i think that takes all the pretension out. you pour it into something simple, as you said, it's kind of a french country feel, people reach for the wine, nobody's worried about how much the wine costs or it's a lot easier and homier. >> and you can put your flowers in them. >> this is a friend who lives in new jersey who throws the best christmas parties, does this every year, it's a mashed potato bar. the humble mashed potatoes, you can feed literally hundreds of

people without a lot of money. you can put them in martini glasses, and it turns into -- we look forward to this part of the party every year, we start getting excited bit it in july. isn't that great, so you can put whatever. >> and let them pack it while you're in the kitchen doing something else. >> or enjoying your guests. and don't forget, breakfast or lunch is a great time to host guests, it's a little less expensive, you don't have to serve as much food. unless you have friends like mine, they don't drink as much. >> we have all the expensive wines in the morning. so that's a good idea.a#eaqçgvñr

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>> live, local, latebreaking. this is a wbal-tv 11 news update.

>> it looks like another nice day on tap for us. the winds will subside a touch from yesterday. mostly sunny skies this afternoon. the high temperatures will be in the low 60s. as we head into the weekend, we will get even better. close to 70 on friday and saturday. saturday. slight chance or rain on sunday. to where to get the car fixed. auto service plus is the one auto repair shop that's out to earn women's respect and trust. >> auto service plus. service you can trust. go to autoserviceplus.biz for a location near you.