pot is >> ryan: 7:00 a.m. clearing up a little bit downtown, but not a great scene. at least we can see past the rain drops we saw earlier. >> amy: it's a little dreary. jackie orozco is on breaking news. hi, jackie. >> reporter: a man has barricaded himself inside his apartment for more than five hours. melbourne police tell us that he has shot at officers. i'll have much more coming up in a live report >> ryan: storms headed our way. will it be a weekend washout?

>> amy: check out the wall. everyone is talking about the powerball. you didn't win. but don't throw away the ticket. you may have some of the numbers. that means state's drawing will be -- saturday's drawing will be the largest ever. it's mind boggling >> ryan: it'll probably go up. i was at the gas station, they had 450, and scratched out to 500. >> amy: do you think we could get it up to $1 billion? >> jayme: it's possible. >> amy: buying enough tickets. >> jayme: all of the rain now is adjusted off shore. we'll see if a little bit skims the coastal communities and counties. and another storm system lines up and another one behind a that and another one behind that. the procession of energy moving towards the region looks to be rather vast and will have a meaningful impact starting

54 at leesburg. and 58 orlando. 60s from northern brevard to the indian river/brevard border. this stuff moving in later tonight may carry a chance for a shower and into the day friday. it's the stuff locking in behind it, the forecast model generates quite a bit of rain action saturday afternoon and saturday evening. 50 to 60%. we begin to pepper in a little bit of thunderstorm activity during that time as well. a.m. clouds and mist on the way out. partly cloudy to partly sunny. a little warmer with the extra sun, mid-70s. by friday, 80 degrees. we cool things down, and winds increase and rain chances rise, and it's cooler into the weekend. >> gina: a live look just west of obt. a new crash causing quite a bit of backup and delays in the area. seems to be a semi and a multi-vehicle crash.

crash here at apopka vineland road. we know that the southbound lanes are completely blocked at westminster abby boulevard. instead take hiawassee instead. causing major delays. and another crash at florence villa. i-4 eastbound looking good. 434 to fairbanks, 0 minutes. and -- 10 minutes. and the 408 is up to speed. >> amy: breaking news right now. messments police are involved in appear standoff -- in melbourne. they're warning people to stay away >> ryan: coral gardens condos. you can see on the map where it is at. and jackie orozco is on the scene. any. developments this morn? >> reporter: good morning. we're going on hour six, at least for this standoff. police officers continue to

barricaded himself in the apartment, which is around the corner. they have the media pretty far back. but you can see the firefighters and the police officers on the scene. we saw at least 30 residents forced to evacuate a little while ago. this is an active standoff. everything started from a domestic violence call. police have confirmed that the suspect bare barricaded inside has fired shots at officers. as we know right now, no one has been hurt. residents have been told to stay inside and away from the windows or evacuate the area because of the gunfire. the armed suspect is alone in the apartment right now. the coral garden apartments in the 2800 block of regency drive and melbourne. the red cross is here helping residents who are displaced from the homes. other neighbors said that they are staying at friend's house until things are clear. and one neighbor said she knows the man inside.

a good man but is scared about everything that's happening. we're told that melbourne police officers here are supposed to be giving us more information. what we don't know right now is why the man is barricaded and why he's fired at officers. and once we have that, we'll let you know. jackie orozco, fox 35 news. >> ryan: certainly tense there. >> ryan: breaking news at a scene of a home invasion. details are very limited at this point. happening near the end of the pineda causeway. we'll bring you updates. they are very busy in melbourne this morning. >> ryan: breaking news out of france. police have killed a man. >> amy: they said that the man was armed with a knife. live pictures show the crime scene tape. two officials said that the man had wires coming out of his clothing. an explosive team is on site.

man lying on the ground. it happened at noon, and they are six hours ahead of us. today is the anniversary of the a25bgs on the charlie hebdo. and they just moments ago had played homage to those killed. this is out of paris this morning, and we'll have the latest here on fox 35 >> ryan: a man accused of stagging -- stabbing a couple. >> amy: 19-year-old michael phillips sketch was released. after they interviewed the couple. phillip's own father identified that sketch as his own son and turned his son in. the couple even though they have related. in fact, they said any

never seen him before. the two children were at home during the attacks. and phillips is charged with two counts of attempted murder. >> amy: on the hunt for a dangerous man >> ryan: the 50-year-old man last spoke with his family yesterday afternoon. he made statements that have them worried about his well-being. they think he's in a 2001 red dodge vary dodge caravan. they feel he could be armed and dangerous. if you see him, do not approach. instead call 911. >> amy: the man accused of running down an orlando police officer will be in court today. he was arrested after police recognized his truck from a prior arrest. morgan is accused of grabbing the officer during a traffic stop and dragging him along the truck. it happened along kaley and division avenue yesterday. they found the truck abandoned

he is facing charges. of fleeing. the officer was diagnosed with a concussion >> ryan: a convicted serial killer is scheduled to die by lethal injection today. he was convicted by 10 juries for the murder of three young women in the tampa area. he said he was framed by investigators and discredited by an fbi agent. yesterday our sister station in tampa sat down with an interview. >> the families have called you a monster. >> i have been called that many times. >> a psychopath. >> they have called me that. i am about as much of a monster or psychopath as they are. they're angry, they're hurt, but they're not -- they're not looking for the truth. i'm the convenient truth >> ryan: barring a last minute supreme court ruling, he has # 1

11 hours to live. and the execution is set for 6:00 p.m. tonight. >> ryan: a hearing for 10:00 a.m. this morning for lou use to toledo. he was accused of killing his wife and to young children back in 2013. and their bodies have never been found. >> amy: no one won last night's big powerball jackpot >> ryan: good news and bad news. estimated to be over $600 million. luanne is here with a couple of tickets. >> reporter: this is pretty much worthless >> ryan: any numbers? >> amy: not a one? >> reporter: i don't think so. let me see. here are the winning numbers. i got 62 and 63.

>> ryan: two and the powerball or three. >> amy: sorry. >> reporter: negative. someone here in florida is waking up $1 million richer because they matched five of the winning numbers. don't throw your tickets away just yet. if you bought a ticket, here are the winning numbers. 2, 11, 47, 62, and 63. the powerball is 17. all right. the next drawing is saturday night. as you said, ryan, it'll be the biggest jackpot in powerball history. $675 million. did you buy tickets for last night's game. >> amy: i didn't >> ryan: the huge jackpots. >> amy: odds of winning when you have a big jackpot. are you better off to buy when it's not very big. >> reporter: i'm giving it another try >> ryan: you are due now.

>> reporter: i am going to check it again just to make sure. >> amy: i wouldn't throw it away just yet >> ryan: the roar before the 24. >> amy: daytona gearing up for a 24-hour race in just a couple of weeks, and one of the drivers is here to talk about it. >> jayme: low clouds and mist. and then a blend of sun and clouds by the p.m. we have a uv index of a 4.

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america runs on dunkin'. >> ryan: more breaking news. 17 miners trapped in new york right now. the miners have been stuck since 1020 last night. going on nearly 12 hours. in the town of lansing, an hour southwest of zero syracuse. they are using a crane 20 lift them out. they will be lifted out two or three people at a time. they've been trapped for over nine hours at this time. >> amy: the nation's largest gun rights organization will not be

hall on gun violence to be the expect nra de-schiened a -- declined an invitation. the town hall meeting is at 8:00 p.m. hosted by cnn. >> amy: the united states, south korea, and japan, have decided to collaborate. they successful said they tested a hydrogen bond in north korea which prompted the un council to hold an emergency session. >> amy: stocks in china tumbled more than 7% overnight before emergency measures kicked in. they actually stopped trading after just 30 minutes. they said no more >> ryan: that's shocking that they went that quick

right around the corner. the big race is just a few weeks away. the last testing session this weekend. good to see you. from charlotte, north carolina. you won this above and came in second last year. >> it'll be great for us. and it's very important. we have three days coming up to test. looking forward to it. >> ryan: it's 24 hours straight. you rotate four different drivers. you start things off. >> yes, some people think you have 24 hours of straight driving. we do two or three hour stint, and change out drivers and cycle through. a long day. getting in the race car a lot. 100%, working for as hard as you can, six, eight, ten hours throughout the course of the event

town, into daytona, talk about the speedway. >> it looks incredible. the whole daytona rising is almost complete. we'll be the first race event to be there when they got it all done. looks incredible. can't wait to take laps around it. >> ryan: do you like the team's chances? >> amy: i do. i feel good about it. a really successful last couple of years. wong the championship the last couple years. and feel really good about it. have a great group of guys. it'll be a fun event. cool for the fans. they can check out the event for the test and for the race, obviously. so really good access to come and check out the drivers >> ryan: rab absolutely.

>> jayme: good morning. accuweather forecast update.jjo{ downtown o town looking good on orange avenue. haze and mist in the air but they should scour out and return us to sun and clouds. cape canaveral, the beaches of, i have a surf alert. lighter winds out of the north. fun nice looking peeling waves across the cam early. jumble early. bottoming out at 12:30. and winds go westerly, solid due west by sunday. and fun surf times ahead. i'll see you all in the water. the beach forecast today, surf around 3 to 5. cleanup session with the winds east to northeast. 73 on the sand today. for much of the morn we have outgoing tide and incoming push after about lunch time. rainfall, all adjusted off shore.

activity right now, the low clouds produce the hazy, misty condition with temperatures in the 50s and upper 40s in gainesville and coastal brevard. from the north end to the southern tip of brevard county, in the 60s at pretty much all locations. clouds on top. low pressure going that away. we see the low getting further from the area. and heating the atmosphere. and partly cloudy. and clouds increase yet again. the next active system move our way. enhancing the rain chance by a smidge for tomorrow. and it's the one back here, consolidating with a secondary system moving through the phoenix area. the bulk of those focus their weather energies on the area by saturday. a big up tick for saturday afternoon and saturday evening. the end result is cooling behind that.

sunday. monday, tuesday, wednesday. highs in the 60s. lows back down into the 40s, and upper 40s. >> gina: happy thursday. a live look i-4 eastbound, west of obt. a crash is causing significant delays and back up. cars on either side of the roadway. a semi is pulled over. use caution. it's causing quite a bit of a mess. and a significant delay at obt and apopka boulevard. use caution in that area as well. drive times, i-4 westbound and eastbound starting to slow. i-4 east bound from the attractions downtown, 16 minutes. the 408 from 417 to downtown, 12 minutes right now. taking a look the a the fox 35 pump patrol.

saving tips any time by heading to fox35orlando.com. >> amy: coming up. marathon weekend has officially kicked off >> ryan: it's under way. and most of the runners are finished. thousands of runners. i love the costumes. >> reporter: good morning. we have moved from the start line to the finish line. look who is joining us. it's celebrity time. john brown. >> hi. are we on? i just got done. what a great day. perfect day out here. only 45 more miles to go. three down, 45 more to go. >> reporter: the dopey challenge. are you doing it. i think you are nuts, john >> . >> you will see on monday. if i am not here on monday, it didn't turn out so well. >> reporter: how was it in. >> fantastic. a fun crowd. you are out here with the

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[rocky music] >> ryan: there's the finish line. and david martin is there. >> ryan: we're live there. >> amy: is this john? >> ryan: this must be john. >> amy: john just wrapped up. today was the 3k >> ryan: 5k. 3.1 miles. >> amy: tomorrow is the 10. the half marathon on saturday. full marathon on sunday. >> ryan: 48.6 miles. >> amy: if you choose to do all four, which is super expensive. i don't know how much it costs. but if you do all four, you have done the dopey challenge. pretty cool >> ryan: i have been where people are walking around the park after the dopey challenge. david martin is live out there this morning. >> reporter: good morning, ryan, and amy. we're at the finish line the the

boy, the outfits ands costuming is amazing coming through here. the smiles, satisfactions, accomplishments. it's only day one. full of celebrities too. tease. we have a special guest. you know her. come on over here. are you okay? she fell down. from orange is the new black. >> good morning. >> reporter: what are you doing here this morning? >> the fun run, the run disney with cigna in support of their organization to encourage health advancement and awareness. >> reporter: you got teamed up with someone special. >> it was amazing. running in support of people pursuing their sobriety and taking care and ownership of their own wellness and well-being. and cigna really does love to partner in that way and i was

>> reporter: people may not realize that you are talented emmy-award winning act resident and a feut -- act actress and a fitness argue rue >> guru. >> and i was exited to do this. and i heard that cigna was doing this event, and i thought it was a perfect marriage. something i love to do and something i am excited to bring awareness too. >> reporter: welcome to florida. i in appear only in in season one. >> amy: lots of great celebrities out there

>> amy: good for them. find your sweet spot today with dunkin's chicken apple sausage sandwich. enjoy sweet apple and savory sausage together for under 400 calories.

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the new caramel macchiato from dunkin' donuts. let hand-crafted layers of espresso, milk, and a caramel-flavored swirl uplift your mood. indulge in a hot or iced macchiato today. america runs on dunkin'. >> ryan: 7:30. a very busy morning. >> amy: a lot of breaking news happening. first breaking news out the melbourne. police are involved in a

>> ryan: we're live in tampa where buc fans are reacting to a smith. >> amy: debt free in 2016, and how to save more money and how does ground funding your kid's college tuition. let's check in with jayme king. >> jayme: good morning to you, guys. welcome to you here. it's 7:31. you can see a lot of rain action over the offshore waters. nothing on land. we have a scene of low clouds and mist. not everyone seeing it. it's been prevalent in a lot of area live cams. and 50s, upper tiered 40s at gainesville. 60s along the space coast. looks like clouds are moving out of the region. you can see the spin. low pressure going that theaway where more clouds are gathering. late today through tonight.

showers with it. the system behind that has tremendous impact on the weekend forecast. full details coming up. partly cloudy in the afternoon. we trend a little warmer overall. sold mid-70s. 80ish tomorrow before the next system comes in. windy and down right stormy for some of you on saturday afternoon. we have a big cool down to kick things off for next work week. here's gina. good morning >> gina: hi there. happy thursday, everyone. roads are getting a little bit messy. a new crash at falcon trace boulevard. causing minor delays. use caution on obt. we have had quite a few crashes here. and obt at apopka causing significant delays. and use caution. a live look i-4 west of obt you can see there's a multi-vehicle

cars on either side of the roadway. it's causing quite a bit of backup and delays in the area. use caution on i-4 eastbound this morning. taking a look at drive time, as you can imagine, they're starting to slow. i-4 westbound, 24 minutes. and the 408 is looking okay. 417 to downtown, 4 4 -- 14 minutes. >> amy: melbourne police are involved in a standoff and they are warning people to stay away. >> ryan: live pictures of a podium where a news conference on the left is getting ready to start any minute now. here's what we know right now. an armed suspect alone in the apartment. jackie orozco said they heard some bangs. >> the melbourne police department received a call in

situation here at coral garden apartments. this was occurring at a residence on ellen court. as officers were arriving to the scene, they quickly learned from a complainant that the individual inside the home was armed with a firearm. at this time, that firearm is unknown, what type. the incident soon became an armed barricaded subject incident. everyone else in the home was able to leave. the only person left inside was the suspect. at approximately 1:04 a.m. the suspect began to fire the firearm. soon after that, the subject began shooting out the window, towards it's parking lot area where the officers were on scene. officers were forced to return fire because of this. at this point, no officers have been injured.

inside is unknown. although he is communicating with officers still. we have officers on scene still negotiating with him and trying to bring this to a peaceful resolution. we are currently receiving assistance from the brevard county sheriff's office swat team. the melbourne fire department has come out to assist with evacuations of neighboring apartments. some of the residents had special needs. the fire department has helped with that. the american red cross is on scene also to assist some of these people that have been displaced because of this incident. again, that's really the information i can give right now. other than the subject is a white male. he's 47 years of age. i can note give his name at this time. as far as firearm, again, we don't know particulars on firearms. the number of fire rarms inside the residence, we don't know.

between the subject and our officers. >> can you let us know why he barricaded himself need? inside? he in indication to officers of why he [inaudible] . >> at this time we don't know why. we're fortunate enough to have everyone else outside of the apartment that was in there when we initially got the call for service. but, again, the reason why this individual has chosen to barricade himself, and exchange gunfire with police, is unknown. >> how many residents have been evacuated? >> i don't have the total number. again, we did evacuate neighboring apartments. because of special needs for some of those people, we received assistance from our fire department, and, of course, the american red cross is on me. the brunswick harbor lanes has been good enough to open their doors to get these people out of the elements and give them a place to stay while this incident goes on.

domestic violence call, wife, girlfriend, what was going on? >> i don't know the particulars on the domestic aspect of it. it came in as a domestic violence incident, and quickly turned into an armed subject call. [inaudible]. >> we don't know. we know he's communicating with us. we don't know if he's injured. they may be poised to lure officers in towards him. right now we're continuing to negotiate. and we're using this time because we know he is alone inside of the apartment. >> we heard explosions. were you trying to to throw gas trying to get him out? >> swat officers are using different tactics to try to get him out with a peaceful resolution. i can't talk about the tactics.

suspect's military experience? was he a marine. >> it's still being selected on -- investigated on the background. >> [inaudible] >> i don't have any information on who was in the apartment. >> were there calls of previous domestic violence. >> i don't have history on the apartment. i can only provide you information on what transpired since 1114 last night. >> can you talk about what you are doing right now to get him out? >> again, the officers have a perimeter around the residence. we're negotiating with him verbally. we're trying to coax him to come out peacefully. thl continue until hopefully it comes to a peaceful resolution. >> you will wait until it's a peaceful resolution, there won't be anyone going into the home?

swat team, i can't say for sure what they are planning on doing. again, our ultimate goal is to make sure that no one gets injured. really, that's in the hands of this individual right now. >> the last name? >> he sheridan. last name shelley. >>+ cx any word if the subject has any kind of mental -- >> ryan: there's the update from the melbourne police department. eight hour standoff. a 47-year-old white male. we know that gunshots were he can changed. a very -- gunshots were exchanged. very tense situation. >> ryan: french police have killed a man at a police station in northern paris. >> amy: they said that the man was armed with a knife and wearing a fake explosive vest. again, a fake one. these are live pictures from the scene.

had wires coming out of his clothing. but they said that the explosive swreft vest was not real. and the anniversary of the attacks on the charlie hebdo newspaper. we'll continue 20 20 -- to follow this for you. >> ryan: a woman was forcibly removed from the hospital. >> amy: the details have been hard to hear. luanne has more. >> reporter: the family of 57-year-old barbara dawson is demanding justice. we want to warn you that some of the audio you are about to hear is disturbing. >> put your hands behind the back. >> i can't breathe. >> reporter: that's the sound of them removing her from the hospital. she had gone to the hospital

problems, but when the hospital discharged her, she refused to leave. they said that she died from a blood clot in her lung. the family said that the hospital and law enforcement should have done a better job with that situation. they've opened an investigation into dawson's death. both the hospital and the police department say they're looking into it. >> we'll continue to follow that for sure. the story out of tampa, the bucs firing head coach lubby smith. >> we'll have reaction on the surprise move shaking up the nfl this morning. it's 7:41 right now. a special good morning to our fox 35 friend of the day. good morning to you. there's a new friend of the day

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off. from daytona beach, she sang leanne rimes' blue. and she got a golden ticket. the you auditions continue here at 8:00 p.m. tonight. >> ryan: she was so careful not to tell us. >> amy: she's going to be back this morning. stick around, we'll have her around this morning and we'll hear about the experience. >> ryan: netflix and lovee submit. we begin with joe biden. he regrets running for president

right decision for his family and his self. >> amy: netflix is available in 130 more countries in 21 different languages. last month they were streaming in 60 countries. they stepped up the game big time. the shares went up 9% >> ryan: lovie smith, the tampa bay bucs and their head coach parted ways. he was not thought to be on the hot seat. and the bucks missed the playoffs to finish 6-10. they won four more games. only his second year. we saw tremendous growth out of jameis winston. we're live at wray monday james stadium. i woke up this morning and shocked to see the news. i am guessing a lot of people are feeling that way. >> reporter: yeah. you hit it on the nose. not only folks in tampa are shocked by the news but nfl experts are shocked by this as

several teams looking for a head coach, including the tampa bay buccaneers. he won eight games and lost 24 in the two seasons here in tampa bay. he inherited a really bad football team the first year. 2-14, and then went 6-10. nfl experts are saying his 2015 nfl class was the best in the nfl. the top four picks automatic starters. they had sensational rookie campaigns. winston, par pet, and others had successful first years. that goes to a credit for lovie smith as well as the general manager. and lovie smith was not the answer they thought. they moved forward. they dismissed him yesterday. what now for the buccaneers and

i can tell you, kind of interestinget yesterday, a tight end brandon myers tweeted this yesterday. it said, dirk has been the man since he walked in the door. he is referring to offensive coordinator dirk cutter. apparently cutter, in his opinion, has been the man from the very beginning. lovie smith finished the season 6-10. they go decide to move forward. dirk cutter may be the guy. an experienced coach for nine years on the collegiate level. offensive coordinator for nine years. he's been interviewed by the browns, chief, and eagles in 2013. a lot of teams this year are very interested in dirk cutter, including the philadelphia eagles.

cutter will be the guy. there's a news conference, i don't{!"*jjz thald be announced but it's going toab more like what's going to be happening in the next couple of weeks. but clearly dirk cutter will be on the top of the list. >> ryan: a lot of players will need be to smoothed over because they're not happy with the news. >> ryan: let's check in with jayme king. they have gray skies there as well. >> jayme: everyone across the central peninsula from orlando to the brevard beaches and tampa and north of that point, gray skies and misting. look the a the national scene. houston, dallas, oklahoma city, into the 40s and 50s in a lot of these spots. yesterday we had 20s and 30s. and 30rs as far south at houston. a surge of warm air is moving up the gut of the u.s. potent short waves low-pressure

it'll have a big influence friday, saturday, and the very first portion of your sunday. wetter times ahead. a big cool down from sunday night into monday among. talking about the numbers now, knot as cool as we've been. 60s, and 50s for the rest. rain residing off shore. it may get closer to the shore line. it's a wait and see deal. i am not all that energetic of rain chances anywhere today. it's the low clouds and the mist that at times may look like rain on the windshield, but produced by the low stratus cloud deck in place. clouds increased to the west. and we might have a couple showers late tonight and first thing tomorrow morning, and for much of the day tomorrow we'll have even-keeled rain chance at 30%. much higher by saturday afternoon and evening. partly cloudy.

mid-70s. details ahead. like a couple of bowling balls. storm after storm. a procession. widespread snows and rain, and out towards san diego. it never rains in southern california, baloney, it's pouring there. it's a nasty scene. and what is out to the west will come east. it'll draw huge, huge changes. we trend wetter. but not with showers. maybe with thunderstorms by saturday afternoon and saturday evening. we have outlined in the seven day. windy weather. temperatures moving up too. 830ish. and same on saturday. down sunday, monday, tuesday, wednesday. back to the 60s. bright sunshine on monday. high 66. and low that morning around 47. that's your forecast. weather baby time. juliana. love the name. live this kid.

thank you, mom and dad. head to fox35orlando.com for more weather baby pictures. you can upload your picture to the site >> gina: i-4 west of obt we have a crash, multi-vehicle crash. vehicle on both sides of the road causing quite a bit of backup. a new crash at hiawassee and the 408. partially blocked. causing significant delays, especially on the 408. use caution. taking you out to aloama and semoran, causing significant delays on both roadways. use caution. and take your time if you are getting out on the roadways. i-4 westbound from lake mary to colonial, 32 minutes. and from the attractions to downtown. and 408 to downtown, 16 minutes. >> amy: thanks, gina. it's all new at 7:00.

it's time to take a look at your finances. we're talking about smart financial steps for 2016. that's coming find your sweet spot today with dunkin's chicken apple sausage sandwich. enjoy sweet apple and savory sausage together for under 400 calories.

the new caramel macchiato from dunkin' donuts. let hand-crafted layers of espresso, milk, and a caramel-flavored swirl uplift your mood. indulge in a hot or iced macchiato today. america runs on dunkin'. it's that time of the year. we're looking at finances and watching the markets go down. and joining us this morning -- i don't know if i like that. >> i know i don't. >> we're sitting here with cat amalia. certified financial analyst. >> happy new year. >> we want to talk more about credit. exchanging bad debt for good debt. a lot of people don't know the difference. it's complicated. how do you know. >> good debt is kind of like a

good debt is debt you take on for assets that grow in value, like a mortgage payment. or a business owner, if you take on business debt to expand business or increase earnings. bad debt, credit card debt, which is the worst debt to have. get rid of the bad debt. be careful. if you don't have the cash, you could look at getting a home equity line of credit and use that money, just enough to pay the bad debt. what you do is the monthly payment on the credit cards, you use that to pay off the home ec quitline. you can't do what jayme wants to do, buy a sail boat on top of paying for your credit card debt. you can't do that. >> jayme: all right. >> amy: he's all about the fishing. >> that's what you do. you don't want to tap into 401-k. you can typically borrow and pay

don't do it unless you are very disciplined. you will find every excuse in the world to pay back. and pay off the bad debt or the credit card debt. >> talk about crowd sourcing your kids' college. >> isn't that a great term? crowd sourcing or crowd funding. typically, crowd funding was typically used as a start-up company and you wanted to get funding. instead of looking for accredited investor and getting a lump amount. you get 10 investors. that's crowd sourcing. they say do that for the 529. go to your parent, brian's parent, your sister's, his brothers. hit up the team or fox friends. instead of everyone buying kids for birthday and copy christmas, say,

contribute to the 529 plan. do that with the relatives and friends buying your kids gift, there's an extra couple thousand dollars in into a 529 going into the circle of friends and saying my kids don't need more gifts. if you want to put $25 towards the 529. >> amy: i have to say, we do that. any time they get the money for birthday or christmas, it goes right into that plan. >> exngtly. you don't want to wait until they're 16 or 17 and say there's a big college expense. >> how can our viewers find you. >> financial advisory institute.com. coming up. get a sneak peek for the gadgets at home. we're live for the consumer find your sweet spot today with dunkin's

enjoy sweet apple