al save money. live better. walmart. this is 9 news now. in about an hour the dc city council convenes to vote on hiking several taxes and cutting the school system's budget. the white house goes on the hunt for more money to keep the new cash for clunkers program afloat. and it is friday, so that means it is our mind over money friday segment. we have six experts on hand to take your financial questions. the phone number, 202-432-9045. good morning. i'm jessica doyle in for andrea roane. thanks for joining us today. it is july 31st, it is friday.

>> can you believe august is tomorrow. >> slow down. >> 4 1/2 weeks until the first day of school. that's what we are looking at. >> it is a blessed occasion when school starts. >> yes, it is. is it not? glenn let's get to weather. things are fairly quiet although a sticky morning out there. with this warmth and humidity, expect an activeafternoon with d understorms some of whic coulbe ngstro se stvere. start with doppler hd. west of leesburg off route thtn to the northern and ofst thrtof frport seeing showers. westf owarrenton in to portions ofki . ty wefa kier county. we have light sprinkles in the southwest and culpeper pretty light. on the computer a big area of sheranth. torms towe st the . st the area sliding east. the first batch will e the nort h wat.tc chu h tc .ou chance of heavy rain an d thunderstorms also today. temperatures right now in an80 n

affect with the rain. a sticky stormy afternoon. angie, it is 9:01. >> a case of the mugs on our hands. we are ready to kick off the 9:00 hour. i have great news for you. in new carrollton, annapolis road where it meets veterans parkway, the crash activity has cleared out of the way. great news there. moving outside to 270 southbound. not a bad drive at all. drivers at shady grove are clear to the capital beltway. stray virginia, we don't forget about you. traveling on 66 some disabled vehicles to the shoulder adding to that slow go. things lighten up once you pass the capital beltway. on i-395, this is a really ugly drive this morning. you can see the drivers are zipping by past duke street. lanes are open and no incidents or accidents to report.

finally if you are a beach traveler and you want to go on 50 eastbound i want you to know approaching sandy springs point that's where you will find no problems and also on the outer loop, we are doing fine past new hampshire avenue. that's a quick look at traffic shots around our region. now over to you. >> thank you, angie. this morning our mind over money segment is back. our fabulous panel of experts are here. dan kaplan and ken mckay are talking mortgages and reverse mortgages. and lena and joe can help with estate planning. if you are work worried about foreclosure call and also they can help you get out of credit card debt. the number is 202-432-9045. uncle sam warned the cash for clunkers program would go as long as the money lasted but the government didn't figure it running out so soon. the $1 billion put aside for the program is nearly gone. you will remember it offers up

to $4,500 to trade in a gas guzzler for a more fuel efficient car meaning it could cover 222,000 deals and people are moving fast. the news is a shock to one car dealer in indiana. >> we got to figure it out. we have to figure it out in a hurry. >> reporter: the white house says the government will make good on any deals already made. and it is taking a look at the program to see if more money can be available. this morning the dc city council meets to talk tax hike and budget cuts. if it is passed people who live, work and drive in the district will pay more to help to close the budget gap. 9 news now digital correspondent armando trull is live outside of the wilson building with the story. >> reporter: jessica, it's a $660 million budget short fall over the next three years and to cut that gap the council is expected to approve a sales tax hike from 5.75% to 6%, an extra

50 cents on every pack of cigarettes that people buy and 3.5 cents more for every gallon of gas you put in your car and with the is the council member at large. thanks for joining us. >> good morning. >> why is the council going forward on the sales tax hike. >> first of all, let me say the chairman has done a phenomenal job orchestrating the budget process. you mentioned taxes and i don't think there is anything certain yet. there will be much debate about any of those items, the gas tax for one and others. we are in difficult times and we have to make difficult choices. we can't cut services on one side. people want their trash picked up and safe in their neighborhood and make sure that the leaves and trees are trimmed. so cutting services are problematic and we have too find revenue enhancements and we have some that will be presented today and nothing is certain as of right now.

>> in addition to that are there other revenue enhancements people are looking at. >> i'm sure there are some suggestions. this is a democracy. we will have a lively debate but we are not going to tax and cut our way out of this. it needs to be a balanced approach and that's what people are saying, we understand we are not going to balance the budget on the back of low- income and middle-class families and we have to find a balance to do so. >> we had an opportunity to speak to jack evans. let's hear what he has to say. >> the city is trying to close a $340 million short fall. every agency has to contribute to that. schools have $33 million in human services everywhere across the board, public safety. they have to contribute to that short fall as well as revenue enhancements. so not going to be easy but i think my colleagues are up to

the task. >> spending way beyond the population. >> it is spending way beyond its means. the city has 570,000 people. local budget alone is almost $6 billion and $10 billion budget overall. granted, we do things that other cities don't do. we operate as a state for many purposes but we have an enormous amount of spending going on here and we have to cut it back. >> reporter: two options off the table. no raise in income tax or property tax. reporting live from the wilson building, armando trull for 9 news now and wusa9.com. >> thank you. mayor fenty is promising a quick investigation in to water pressure issues after wednesday night's fire that destroyed a home in northwest. neighbors showed us how a private pump kicked up the water pressure in the faucet. the mayor says the detailed report of what they knew and did about the pressure problem will be made public. as mayor fenty talked to the neighbors say they say they

want to believe something will get done but are not confident. >> we will issue a report and tell you what we will do about it. >> i hope that you as mayor will get it done as quickly as possible. >> we will get it done early next week. >> they don't want to wait long for the report in case there are more others compromising public safety. the mayor of capital heights is on a recruiting drive. he is hoping to get people to sign up to become volunteer firefighters. as of next week the nearest station won't have as many people. residents fear it could lead to slower response time. the judges assigned to hear a civil lawsuit in the virginia tech murder case have recaused themselves. in court papers, montgomery county, virginia, judges cited a conflict. the lawsuits were filed by the families of two of the students killed in the massacre. a new witness in the chandra levy murder case and the man charged with filling the federal intern heads to

court today. prosecutors say the new witness identified the suspect as the man who attacked her on a jogging trail. it is unclear exactly where that attack took place. chandra levy disappeared in may of 2001. her body was found in rock creek park a year later. arraignments for the man accused of killing a security guard is set for september 2nd. james von brunn is an 89-year- old white supremacist. he was due in court yesterday but the hearing was cancelled. he faces a seven count indictment and could get the death penalty if convicted. he remains in the hospital recovering from gunshot wounds. more problems for metro this morning. a bus driver was arrested on thursday after crashing a bus along good hope road in southeast washington. our partners at the examiner newspaper report that arrest led police to discover she was driving on a suspend license. her license was suspended in may but it is unclear as to why. also yesterday, newly- surfaced photo of a bus driver

seemingly using a cell phone while behind the wheel. it was first posted on a local blog. the metro gm says that's not the image he wants out there. >> the policy is very clear. you can not operate a metro vehicle or bus while using a cell phone to be talking or texting. and the policy is clear what will happen if it is determined that is what you have done. >> reporter: several recent incidents prompted metro to issue a zero-tolerance policy for any driver who uses a wireless device behind the wheel. the suddens have been cleaned up from the beer summit. vice president and president obama sat down with gates and sergeant crowley. crowley arrested gates earlier this month after a neighbor re ed rtpo rtecsutespd ecspd burglary the incident sparked a national debate about racial profiling. >> this is a positive step in going forward opposed to

reliving the even in the last couple of weeks. in an effort to move not just the city of cambridge but the whole country. >> reporter: there were no apologies at the meeting. the president invited the meeting afterred admit he made it worse by saying the police acted stupidly. both gates and crowley say they plan too meet again. is now the time to buy a new home or should you wait a while? that's the question on house hunters in our area and across the country. gentlemen, thanks for joining us on mind over money friday. >> thank youer for having me. >> let's start with you, you brought an interesting topic in the newsroom this morning when you said you went to a conference yesterday and there's major changes made in how people get mortgages. explain that. >> this has a new definition to let the buyer beware. new regulations coming out today, effective today will

have a tremendous impact on the timeliness of the service that we, as lenders, can provide. for example, the disclosures which have to be provided to every borrower and it is a great idea that they are so the borrower can make an informed decision will have to have a four-day waiting period after the borrowers get them before an appraisal can be ordered. if there are any changes to the good faith estimate which is a summary of what we expect to be made, more than 1/8% of the loan amount a new good faith estimate and disclosures have to be done which could delay settlement. >> this is potentially slowing down a process that can already be loaded with pitfalls. any tips that you can figure out yet? >> work with your lender. this is unchartered water for all of us. the laws are just taking effect. i haven't taken an application. no one has taken an application under these new regulations. so we are working on providing the best type of service

available in unchartered water. >> let's talk about the state of the housing market right now. we got some data out earlier this week. the report shows in dc prices have been up the last two months. we -- have we bottomed out in the real estate market. >> i'm not the one to answer that question but whether people should be buying now it is up to the individual. up to their situation. and i encourage people to look at three main things to focus on. one is their income. is there a stable income coming in to the household? secondly their debt, are their debts low and do they have cash or some other source available for a down payment. that's major stumbling block for folks. if they have those resources available to them, anytime can be a good time to buy. >> if people are looking to finance a home purchase, any types for them on that? >> financing, of course, we encourage people to look at every document carefully. take your time.

i have to say when with the regulations, i'm all for them. slow the process down. give people a chance to look at the documents and understand what is in front of them and make sure they are taking on an obligation that they can truly handle. >> in terms of the mortgage applications you see coming in, have you seen a pick up in home sales. >> i have seen a pickup. whether we have bottomed out or slowed descent i'm not sure. usually know that type of information on a historic basis but i have seen a big pickup in application. it is not the glory banner years of 25 contracts coming in on a given house but we are seeing life. interest rates are low, prices are low and that's a good combination. >> you two gentlemen will continue taking calls here for folks and we appreciate your advice. and we appreciate the advice you are giving to folks on the phone for free i'll point out.

howard has a look at the forecast and a look at how michael jackson acquired so many drugs. and if all goes well the "endeavour" will be back on solid ground later this morning.

rasel arl rambbobombs s ha ed xpdelo hi se nemosques veen kindll au zedoitor m injured. s has yadde h ntmortpaarul deadly month for for i iraqiraqi civilians. by comparison only seven american troops have been killed this month. investigators in the michael jackson sca aysethe singer used as many as 20 aliases to get prescription drugs. officers have been searching the property of his personal doctor for evidence of whether he was administering powerful sedatives to jackson. the coroner is expected to release toxicology results some time next week. & it's a beautiful day ♪ ♪ don't let it get away [ music ] ♪ >> reporter: nasa is hoping for a beautiful day in florida. that was the wakeup call for the "endeavour." the shuttle is scheduled to land at 10:48 this morning at the kennedy space center ending the 16-day mission.

now over to howard bernstein who has a look at our weather in the washington area. >> a morning landing is better than an afternoon down there. around here, we are talking about afternoon thunderstorms, some of which could be strong to severe, mid to upper 80s. tomorrow will be the better day of the week and near 90 with a chance of a lot of sunshine and only a slim chance isof a thunderstorm sunday a few more thunderstorms in the forecast and back to the middle 80s. you notice the area in yellow from near boston to the big cities of the northeast including the mid-atlantic, through north carolina, damaging winds and large hail possible and our storm threat will be from early this afternoon until looks like the middle of the evening, 9:00 or 10:00 with threat switching the longer we go. show you what is happening in the big picture. look at the moisture here and a

little tiny low. this will be the heaviest steadiest rain. live doppler 9000 hd tracking activity. real close in but so light and it has been falling apart over the last hour. west of leesburg and charlestown and some people route 7 to winchester, maybe a few sprinkles there. 340 to harpers ferry a few sprinkles and northern faulkier county, may get a sprinkle but not much out there. i want to show you the time lapse. a lot of clouds early. the last couple of pictures the sun is poking out. a little sun glimpse off the river. temperature at 78. the winds south southwest at 13. dew point in the 70s and humidity 79%. we have 82 in fredericksburg. 79 cambridge and saint indigos and manassas is warming up quickly and 77 hagerstown.

winchester 74 and also the montgomery county air park 77 degrees over at the beaches this afternoon, not bad along the coast. watch out southern maryland in to delaware you could see a thunderstorm in the 80s. 70s off shore. a good day on saturday. low 80s at ocean city. and then on sunday, thunderstorms again will be possible, and temperatures in the 80s. the big threat today is thunderstorms which could be strong to severe this afternoon. stay up on the weather. 86 for for the high. and then isolated storms in the afternoon. monday, tuesday, wednesday, thursday, upper 80s. >> thank you, howard. president obama is urging all americans to do what a state planning expert has been advising for years, get a living will. why the urgency? with me is lena barnette, an estate planning attorney in bethesda and joe gallagher, a certified financial planner.

interesting topic. let's get in it to first. joe, what is a living will so people understand what we are talking about? >> everyone thinks of a normal will which bequeaths your assets among beneficiaries. a living will is when you are alive and gives specific instructions on what path the doctors should follow. it is a great starting.for people who are single or who may not have anyone they feel they can trust but there are other methodologies that are more includive and better solutions. >> lena, talk about the urgency, why is the president doing this. >> he was concerned about end of life situations which is the bulk of the health care costs today. what a living will does, unless you say what you want to have happen in the event of incapacity or in the case of a living will when you are terminally ill and death is imminent there is no guarantee you will have what you want to have happen and doctors are sworn to preserve life. so unless you have a living

will they will not terminate treatment rapidly at all for you. there's a whole procedure that goes in to that. >> in terms of sething up a living will, what are tips for folks? >> a living will is a straightforward document. if i am terminally ill and death is imminent, pull the plug if you. the other is a health care power of attorney and that enables a client to determine who will make medical decisions for them if they are no longer able to make it for themselves. without that document there is no guarantee that your spouse or parent or loved one will be able to make those decisions for you. that document also covers a host of other issues, such as are you concerned about in-home health care, organ donations. do religious beliefs affect your health care. so the living will and health care power of attorney and there's a new law designed to

protect parent/doctor privilege called hippa. and if someone releases information, you are protected medical information to someone who is not specifically hippa authorized, the individual or the institution releasing that information can be held criminally and civilly liable. so it is also important to make sure your health care power of attorney specifically says your agents are in fact hippa authorized. >> went we talk about this issue we think of estate planning in general. any tips for estate planning. >> there are obvious things to do that seem obvious in retrospect but surprising how little people do. the most common thing i come across is people have safety deposit boxes and they have their will and living will in their safety deposit boxes. what will happen in the case of a living will, is they become incapacitated -- incapacitated and the spouse or the child will come in try to get those

documents from the safe deposit and not be able to do that. so there has to be a report order and this delays the process and it happens more often than you care to think. there are 14 or 15 common things and i have a sheet that i can send to people if they want to call my office. but other things are just making sure you have your assets listed. making sure your spouse or whoever will be handing your estate will know where everything is. any expenses. if you are getting later in life, multiple jurisdictions on estate settlements. >> people can call with questions. they can call you for free. lena, joe, thank you so much for answering our questions. >> thank you. coming up, they went on a trip of a lifetime but instead some local students got a lesson on being quarantined. that story is coming up. if you struggle to avoid

foreclosure, stick around for our next mind over money segment. call our experts with financial questions at 202-432-9045. they are here until 10:00 a.m.

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could a reverse mortgage help you avoid foreclosure? here to talk about the pros and don'ts of a reverse mortgage is ken mckay. he is the senior adviser at academy mortgage and dan kaplan is back from clark financial. do you have to be a certain age to get one? >> you have to be 62 years old or older to participate in the federal government program. >> how will this help somebody avoid foreclosure. >> if they are in foreclosure, depending on what the property and loan balance is we can use it to pay off your existing mortgage, take them out of

foreclosure, eliminate monthly payments to create additional income they can use for other things and save their home. so it works well. >> the money they are getting for the reverse mortgage at the time of their death, then what happens. >> it passes to hair heirs just as though there were no reverse mortgage on it. the heirs have up to a year to pay off the reverse mortgage. they do it by selling the home and paying off the reverse mortgage or come up with the funds or refinance the home and keep the home. >> dan, you are do a lot of refinancing, how much call do you get of reverse mortgage? >> there's a lot of interest there. there is little down side to the reverse mortgage as long as you are old enough 62. to come up with a down side is a fairly heavy amount of paperwork. it is a timely process. it involves counseling of the homeowner so they understand every aspeck of the loan but

shy of that there is really no down side. >> can you outlive the reverse mortgage. >> yes, you can and if you do you are living on government funds because the government has a mortgage insurance premium that says the most you can owe is the value of the home. >> what is the typical term of a loan. >> the younger you are going in the longer the reverse mortgage will last. >> this is a relatively new -- how long have reverse mortgages been around. >> this is second generation. >> i will be honest the first batch were not as favorable to the homeowner as they are today. there are a bunch of protections, including the fact that the homeowner is not personally liable nor are their heirs on the note itself. it is secured by the property. >> i think we are learning more because i was under the impression if you lived two or 20 years, whatever happened when the mortgage was up, the mortgage company took your house and that was that. it was a crap shoot. >> not at all. in fact what does happen is there are actuary calculations

to determine one of several things. for example, if you own your home free and clear you might be able to get a lump sum of $200,000 out at the time of closing and that's the end of the transaction. in other situations for people who are strapped for monthly income rather than taking cash out option you can get a monthly annuity of cash sent to you each month. it will go until a point where the house itself is tapped out but that could be many, many years. >> and it is guaranteed to continue as long as you live in the house, even if you are beyond the value of the house at that point. or you can use a line of credit which is what a lot of clients do. they access a line of credit so they are drawing on the money as they need it. they can vary how much they are taking and keeping their costs down. >> like the reverse mortgage helock. >> like a helock version. >> without payments require on the part of the homeowner. >> this is something that if

you are in distress right now there are programs, especially for seniors 62 or older that can really make a difference especially if you want to keep your home and stay somewhat comfortable in the lifestyle you have been living. >> the credit, amount of assets do not matter. >> sounds good. check it out. if you have questions call one of these guys or check with your financial planner. we will have to check with the traffic adviser, that's angie goff. >> thank you so much, howie b. we are half way through the 9:00 hour. the weekend is here. looking great. as we take you out live to silver spring maryland with we had an accident here. it is in the clearing stage. this car behind me. and traffic is very, very light. moving along and take you to the maps and show you somerset at wisconsin andorraset avenue crews are on the scene and you want to be careful heading out

that way. over all no incidents tore accidents to report. sunny skies and a little slow go. moving to 395, man, i like what i see here. looks like drivers are moving more than at speed past duke to the district. and finally 55 -- 50 eastbound travelers, lanes are wide open for you. the beach traffic is all ago as drivers make their way from the beltway to the bay bridge. that's a quick look at traffic. jessica, over to you. >> thank you. more americans are shunning traditional doctors visits. we will tell you how much revenue alternative medicines and therapies are generating coming up. in our next mind over money segment, how you can fight back against climbing credit card rates. call our experts. they are here for the rest of the hour. you've got a strawberry pop-tart,

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in the living well headlines. the house approved the first overhaul in 70 years to food safety laws. the bill gives broad new powers to the food and drug administration to regulate how food is grown and processed. it is largely in response to recent food contaminations involving everything from spinach to cookie dough. high school students from maryland and dc are back home after quarantined in china over fears of the h1n1 flu.

they arrived at dulles airport last night. the kids planned to attend a two-week summer program but they were quarantined when one got sick. a few tested positive for h1n1 but have recovered. more americans are returning to complimentary and alternative medicines to treat various ailments. a report says 38 million adults visited a chiropractor and acupuncturist in 2007 and spent $34 billion. experts urge patients to research alternative medicine therapies and products. many consumers are asking how could it be at a time when the obama administration is cracking down on credit card companies rates are on the rise. what's a consumer to do? with me is the ceo and founder of card hub.com and let's talk about the credit cards. why are credit cards rising.

what can people do about it right now? >> the rules in affect by the president obama will affect how the card companies run. so they are trying to sort out their book and we are seeing tremendous increases on rates. that's why on card hub we launched a center, helping consumers. one out of 13 credit cards is in default. hasn't been this high since ' 72 when they started to keep statistics on these things. so we launched this to help consumers find out solutions in regard to rising interest rates that are causing so many consumers not to be able to pay their credit card debts. >> on that website, consumers can find good tips. can you share a couple with us?

>> absolutely. it is important for consumers to understand that the first option when they are in trouble is to call the credit card company and figure out what options are available from there. they should be at card hub we have three main solutions they all affect your credit but a lot of consumers have bad credit because of the difficult economy. so the three options are debt management management plan, and the lower interest rates. debt payment where you withhold payments from credit card companies in hopes they will be willing to settle for less and they hurt your credit much more than debt management and lastly bankruptcy which is an option consumers should keep on the table as an option to get out of not only credit card debt but credit card debt, as well.

>> let's talk about multiple lines of debt. a lot of people are dealing with credit card issue and home financing issues, what do you advice to people who are up to their eyeballs in debt and trying to get out out from under it. >> take a deep breath and we urge them to put the credit cards on the table and keep them and leave there there. don't use them for a while and get an idea where a person stands. we urge people to come to a credit counseling agency and talk to us about their long- term goals and what they want to do. and if part of their goal is doing something financially we need to understand that debt is going to get in the way of that. until we understand emotionally and viscerally they have to be in charge of that debt. once they understand that then we can put them on a path and get to the long-term goal. hopefully they are establishing a savings or looking to buy that first home or some type of

investment of that type and debt gets in the way. so we need people to understand that and understand they control it. they are in full control of it. the debt doesn't control them. >> i guess the key is take that deep breath first. >> good advice. >> thank you so both of you. you will continue to take phone calls with are loving free advice this morning. now over to angie who has an update on the traffic. >> that's right. i pop back in when we have alerts to tell you about. the situation. this just happened within the last five to ten minutes. you are you are looking at 56 eastbound at gallows road we have a car fire within the last two minutes which has gone completely up in flames. emergency crews are just starting to arrive at the scene. meanwhile, no one is going anywhere. they have blocked traffic. we are already seeing a buildup grow. now we know it is extending back to nutley right now and we will keep you posted here and on-line. you can follow me on twit twitter. look at the situation here.

it will probably take some time to get this under control. overhaul -- overall the details are 66 eastbound at gallows lanes are ere all blocked. nobody is getting by. waiting for emergency crews to respond to the scene. now over to howard bernstein who has a look at the forecast. >> all right. we are checking out the travel weather and our weather will be affected by this front out to the west. look at the shower and storms in the deep south to parts of new england. even in to canada and this will be a mayor player in our weather as well with strong storms expected here this afternoon. going to be storms in boston, new york, raleigh, atlanta, new orleans. look at that up and down the east of the appalachians but detroit and chicago look nice, upper 70s to low 80s. not as hot in the northwest. seattle that could break. salt lake sunny and 92. dallas in the 90s after in the 80s yesterday and denver, minneapolis and kansas look good and highs in the 80s. more coming up in a moment with

the travel forecast. now the seven day and some barbecuing stick around. >> thank you. one of the new movies out this week is not the typical judd -- film we will tell you why "funny people "may not be the same funny movie audiences are used to. plus, you may prief pride yourself in your grilling technique, but could you be putting those who enjoy your cooking at risk? our mind over money panel is taking questions until 10:00 a.m. call them neat 202-432-9045. rooster crow. ...it affects your entire day. to get a good night's sleep, try 2-layer ambien cr. the first layer dissolves quickly to help you fall asleep. and unlike other sleep aids, a second dissolves yostay asleep. to tlpyou stay asleep. when taking ambien cr, don't drive or operate machinery. sleepwalking, and eating or driving while not fully

awake with memory loss for the event as well as abnormal behaviors such as being more outgoing or aggressive than normal, confusion, agitation and halluciations may occur. don't take it with alcohol as it may increase these behaviors. allergic reactions such as shortness of breath, swelling of your tongue or throat may occur and in rare cases may be fatal. side effects may include next-day drowsiness, dizziness, and headache. in patients with depression, worsening of depression, including risk of suicide may occur. if you experience any of these behaviors or reactions contact your doctor immediately. wake up ready for your day-ask your healthcare provider for 2-layer ambien cr.

here's a look at the movies this netters this weekend. funny people is not as laugh outloud funny as you may expect. say dam sandler's character say dam sandler's character discussions about mortality. kid on a vacation must figh off an attack by kn high alden vainrs while vatheir parents clare ueless. high school musical veteran stars in this film. it was not screened for the critics. adam is a little different from the typical 20 and 30 something romance film. hugh is a science whiz with a mild form of autism. he leads a shellerred life until getting involved with a new neighbor who is far more sophisticated. you know, you might have perfected your grilling technique but could that be

putting loved ones at risk? this is john with rock lands barbecue. he is known as the safety dog. people are doing things that may not be safe. >> yeah. it is unbelievable. we, as a job at rocklands grilling company i have the best job ever because i get to play with fire every day and eat. >> you are a maniac. >> that's right. when people are doing this at home we think the first thing to think about is place of the grill. there are 1200 a year that are contributed to grills too close to the house. >> the vinyl siding goes up because the barbecue was too close. >> i have been to friends houses where the grill is up to the house. you can see the char marks. pretty scary. >> this is set up for starting a fire. >> we love to use lump charcoal. it is better than briquettes because they have petroleum based products. >> it makes them light fast.

throw a mash and walk away. >> this is similar you light a match to the paper. the paper comes up and lights the charcoal and it is very easy and fast and very clean and more healthy for you. >> we want that as well. >> once it is lit you dump the charcoal on the bottom fire grill and it works well. we also have this other grill, which is, this one has to be happen to be an electric grill but it is similar to a gas grill. i don't know if you ever had a friend who had their eyebrows burned off. >> i have burned the hair off of my own arm on a grill. >> i think what they did is turned the gas before opening the top. and you want to open the top, turn on the gas and then light it so you don't get the big poof. >> doing the hollywood special effects scene over there. >> that's right. >> one thing i notice that you have is a fire extinguisher.

>> exactly. >> mine is in the kitchen but i never brought it to the deck with me when i'm grilling. >> if you don't own one that is when you will need it. it is great idea to know where it is in the house in the instance that you would have the unplanned or uncontrolled burn as we call it. >> now, you have a bowl of ice here. i said to john, in case i burn my finger? >> no. these three items the fire extinguisher a clean platter and the ice. once the fire is going and you are grilling we have what we called an uncontrolled burn and that's where it is hotter than you planned. instead of throwing water on it you probably throw water on it or your favorite beverage. >> the plume is like the nuclear plume. >> and everybody is coated with ash and they are happy you did that. >> take a couple of cubes of ice and it will slowly drip and the fire will extinguish

itself. >> i would put the food hood down and kill the gas. >> that's the other thing with the webber grill and using wood is you control the air. really a fire is predicated on having enough air. >> you cut the air and cut the fire. john, thank you for the grit tips. when we come back, we will check the forecast with storms in it and how e opweed ll wile n ened we will let yokn leow that, as well. academically gifted,

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almost three on the s&p 500. dozens of brides -- [ screaming ] >> dozens of brides, relatives and friends swarmed in to the filenes basement in northwest washington at 8:00 this morning. the story held the running of the brides pro motion with deep discounts on wedding dresses. a lot of women came in teams grabbing dresses ahead of the competition. >> we want to thank our guests this morning for participating in the mind over money edition. the next edition is one week from today and dan brought in his cake. channel 9 b@take the cake. >> something that is not so sweet. here's the situation on 66 eastbound at gallows road. it is looking better. police and fire crews on the scene. on the left of the screen one right lane is getting by but slowly. atcre wahing the brake lights back up to 234, nutley.

we will keep you posted on- line. follow me on twitter, oh my goff is my name. >> weather is not bad. peaks of -- peeks of sunshine and highs in the mid to upper 80s. tomorrow okay and near 90 and a few more thunderstorms to finish out the weekend. >> maybe i will see you at the legg mason classic. >> and maybe the paul mccourtney concert. >> howard bernstein and j.c. will be here at noon. >> see you then. (announcer) when verizon brings 100% fiber optics straight to your home

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