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tricking customers into buying additional products -- likk ccedit monitoring -- when opening credit ardsnd it's a similar story for discooer, which is paying $200 million. ddscover will issue refunds next year. american express october... after the c-ffp-b - found ammrican express suusiddaries illegally charged higher late fees and mislead pustomers by promising cash their "bbue sky" credit card program. and those rewards never came. in all three cases, customers don't need to just keep an ye on your monthly statemeets because for ccrrent cardhollers, the reeund willlshow up as a credit on the account. former customees will get checks n the mail. if you think you should get a efund but haven'tt check witt the card iisuer first, then try the c-f-p-b. i'm felicia taylorr n & new york. 3coming up... posing... for a provooative picture. pradition... that a gun rrnge ps deffnding..- 3- 3 bye, mom. we're here! [ giggling ] these days, nobody has time to get sick. mom, i don't feel good. but minuteclinic makes it easy to get well. our nurse practitioners can diagnose and write prescriptions for

7 at halftime.3rd quarreer..ravens trail 13-7...taylor olls out and has an open ield in front....1 ard touchdown. ravens take a 14-13 lead. 4 minntes later...this isn't what ravens fans are usee to seeing...justin uccer misses onlyyhis 3rd field goal of the yeaa..a 45 yarddr.and it's all downhill from there... bengals win the final game of the season 3-17. ravens finish theeyear 10-and-6 with the 4th seed in the playoffs. in: it's an accomplishment... out: they did a good job eally positive can't predictthow its all poing to play out. 3 out.thh ravens take on the colts at m&t bank staaium game winning nats - nats skins fans are waking up ecstatic this morning afttr last nnght's big win against their rrvals the cowboys.fiial score: 28-18 washington redskin. redskins. the win puts them into the playoffs or thh first time since 1999. cooing up n the early edition... baltiiore is ready to ring in &pthe new yearr tonight's festivities. festivitiee. 3 ((breaa 1)) so, we all set? i've got two tickets to paradise! pack your bags, we'll leave tonight. uhh, it's next month, actually... eddie con

ravens and bengall tiee at 7 at trail 13-77..taylor rolls out ann has an open field in 3 front....1 ardtouchdownn ravens take a 14-13 leaa.4 minutes later...this isn'' phaa ravens fans are usee to seeingg..justin tuuker misses only his 3rd field goal of he year... 44 arder.and t's all downhiil from there... benggls win the finnl game of the season 23-17. the playoffs. the th seed in in: tts an accomplishment... p out: they did a good 3job really positiveecan't play out.ow its ll going to out.the ravens take on the colts at m&t bank stadium on sunday at 1. game winninggnats nats skins fans are waking up last nnght's big in aaainst - pheir rivalssthe cowboyssffnal score: 28818 washington reeskin. redskinssthe ast time the skins won theirrdivision was back in 1999... aad this winn puts thee into the playoffs for the first time sinne 2006. coming up... this."if you haven't facebook page... and let us knno what you thinn this photo should be captioned.we'll read some of your hiliarious responses... next. next.you're watching fox 44 good day it's time to aption this! this!today oo our faceboo

koch &pthere...the skins ran a few plays, and then haaded t to kai forbaah, whocalmly kicked tte 34 ardfield goal to stun the ravens...31-28 the final... our moogan adsit spent the afternoon down at fedex...her reportt and aa exhausttve looo at today's pame,coming up on our expanded sundayh night edition of sports unlimited deepiie he outcome of the game... ravens fans were deeked out and ready for the game beforehhnd. bbforehandd16:46:49-16:46:58 "who's yourrfavorite raven?... 52... who's number 52? ravens. who's number 52? ray lewis." lewis..that veryycute video came from one fox 45 unfortunately.. the ravens were ithout lewis today s he is still ecovering from a torn tricep. and check out this cute little girl.she was ready for game-time... rocking her bernard pollard ersey.check out that ggme face! aad this photo is simply titled... rrvens fans vs reeskins fans.ed reed and joe flacco... well represented in that office setting. pride.you can upload photos - and viddos to us through purple -at -fox baltimmre -dot- com..nd you can see those pictures on our "see it shoot it ssnd it" pag

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tricking customers intoobuying additional prrducts - like creeit monitoring -- when opening redit ards aasimilar storyyfor diicover, which is paying $200 million. &p3 and americaa express is doling higher late fees andd misleading customers by &ppromising cash rewards tat never came. 3 for current cardholderr, the refund wwll show up as a & former customers will get checkk in the mail. 3 nearly 100-million peoole ss instagrammto share their netwwrk is raisinggprivacy concernn with its new policy. policy. p3 beginning next month, -3 inntagram can selllyour photos &pto third partiee for adveetising. for exxmpll, if you post great picture of yourrelf enjooing a plate of pasta at a restauuant, thht restaurant can uy the picture, and use it for you don't get any of the money. all instagram users, even minors, aaeesubject tt the new policy.... and there's - no way to oot out.....unless you delete youu accoont 3 pccount, inssagram can only sell photos taken after january 16th. 3 passengers of southwest - airlines... who miss their flights... ccn no longer re-book for ree.the airline is starti

. >> i mean tough realize that baltimore and we celebrate our diversity and we work ard. >> have you checked out captiol hill and seen what they have to offer, they have a gallery. but there is so much more charm in federal hill. >> really it is quite different. >> i have to sell you -- tell you a story. i was looking for a tofu sandwich with sprouts and whole grain. i realized that the people at federal hill they know what good food that's why they come to the market. >> no sprouts there. >> but can you get crabs and a cold beer. and there is diversity. and sushi and a great sandwich. >> we have breakfast, lunch all the staple products. seafood a mexican menu. asian. we have chicken. we have a full variety of products that serves the community and that's why it is so popular. >> let me ask you. they will be filming this today. you are asking people to come down there and get involved in this and sort of show their pride? >> we sure are. i think the merchants and the surrounding businesses they are all into this. there will be a lot of pride being shown here today. >> as soon as you

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. >>> hay un acuerdo entre el liderazgo, y ahora hay que trato ard conseguir los votos en la cÁmara ydefensa que alcanzan # otto millones dÓlares siguen en veremos. >>> cada partido tiene sus principios, nosotros creemos que los que mÁs ganan los millonarios pueden pagar mÁs en impuestos y que no hay que hacer recortes en los programas sociales. >>> y ideas distintas que ni al bordo del abismo fiscal republicanos y demÓcratas, parecen poder negociar. >>> la votaciÓn final pudiera ocurrir en las prÓximas 48 horas. >>> segÚn fuentes en washington, el precipicio fiscal pudiera ser solo una colina. >>> angie sandoval, telemundo. >>> y el 2013 podrÍa ser determinante para indocumento nadz estados unidos el presidente barack obama reiterÓ ayer su compromiso de impulsar reforma integral durante el primer aÑo de su segundo mandato presidencial que inicia en enero, barack obama dijo que se debe corregir el sistema migratorio y dice que presentaÁa lejoses que cuente con el respaldo de todos los estadounidenses. >>> y el delicado salud del presidente de venezuela el hugo chÁvez tras recaÍda por

the next thing that was shocking for me is how ard douse it is and consuming for everyone and all the focus is getting the job and not doing the job once you have it. what is ironic the members don't put it into the actual work when elected and at the time i think it was true and i was disillusioned at that point and i asked him to prove me wrong and he did. he was diligent and wrote comments in the margin and questions large and small they provoked. he met with people and met with teams how to improve things. he connected with other community college board members to see how they ran. he seeked out advice and only the board member who gave out email and phone number to the public and he got calls from students and others waiting to advocate for them. this is reminding he and when swearing in would lift up the boys so they could be near him. don't touch that. i think -- i was going to say what john said. when he was really ill he still went to the meetings. he went to one after having pneumonia and then came home. even toward the end of his life he went to meetings and pushed for acco

rich ard golden the great fill an to 50 here in the city. >> >> >> asked me to speak before the presidio homeowners association and i did and do you know what happened after? a young woman identified herself as the head of a small family foundation and said "what do you need admiral?" and i need computers and pentium computers came out and were the fastest thing. i need those computers. all three buildings were outfitted by that foundation, by that woman. i had more computers than the police department and the fire department and before i had nothing and it was interesting. i said to the mayor -- mayor jordan how do i approach these people? how do i do it? and he said "well, john i heard you speak before. just throw one of your guilt trips on them" and it worked. i know time is running out. i will make this quick but i wanted you to know how we got here. it didn't happen. it wasn't magic and this building as the mayor told you was a direct result of a tragedy on 101 california street and went up in the building and the crazed gun man killed all those people and i asked to build this buil

ards and quite often i replay that conversation again and again and not stopping the looping recital. i was tormented with the knowledge that you knew you were going to leave us soon, and i would have sacrificed my every dollar, my ever pleasure for you to learn your death wasn't imminent. i am sure it was like a living presence and like a conjoined twin and can't get rid it and there everyday, and the weight of the greatest most profound and terrible knowledge a person can have. the thought of your having to haul this knowledge everywhere you went remains almost unbearable to me. to calm the panic caused by the fact that you knew you were soon to leave us i invented a scenario and i would have given it to you as a gift. i imagined there was a brief time each day or two that you were not tormented by what you knew of your prognosis. every morning i thought as you slowly emerged from sleep and the briefest of minutes you experienced your awakening self to be the once small child you were and little boy's life and no burden and weightless and floating. each morning you woke up into the

trading volume picked up. 6 million shares on the big ard 1.9 billion traded on the nasdaq. the financial sector led the gains, rising 2.1%. all 10 of the major sectors were up. the consumer discretionary sector rose 1.8%. utilities were up 1.5%. two giant banks led the way for the financial sector with both citigroup and bank of america hitting their highest prices since the summer of 2011. citigroup jumped 4.1%. shares have been rallying since it announced earlier this month it would cut 11,000 jobs. it is the first major action taken by c.e. michael corbat sin he to over this summer. bank of america rallied 4%, closing at $11 per share. it consistently is one of the most actively traded stocks, and it was again today. media reports indicate influential banking analyst meredith whiney upgraded her opinion of both bank of america and citigroup today. in addition to the sprint and clearwire deal, there was other monday merger news, and speculation driving stock prices. first, the speculation: general electric reportedly is close to a $4 billion deal for italian aerospace gro

♪ard boiled eggs. hard boiled ♪ ♪ ♪ ♪ ♪ ♪♪ anna? where'd she go now? anna?lay april fool jokes in october. no? april fools day is in april. in october, halloween. you get dressed up. remember? wait a minute i'll show you. you know that. come on let's go home. ♪ skies, for amber waves of grain, for purple mountain majesties, above the fruited plain, america, america, god shed his grace on thee, and crown thy good with brotherhood, from sea to shining sea. that's very nice children. now sit down. good morning anna. take your seat dear. we're about to start our lesson. ♪ ♪ ♪ ♪ do you like our school, anna? me like. you like it better and better! all the kids like anna, don't they? just like she's always lived here. it happened again. this time i'm gonna tell the teacher. yes rudy, what is it? someone stole my orange and chocolate bar. and it's not the first time it happened either. are you sure? sure i'm sure. my mother gives me the same lunch every day. soup, sandwich, fruit and cookies or cake. well perhaps from their lunch bo

. >> terror vivió cuándo arde su cabeza en llamas en santo domingo . >> franklin del programa donde elo líquido para limpiarlo de malos espiritus . >> no me toques la cabeza . >> sufrió quemaduras en la zona de la cabeza . >> lo siente mucho pero es algo de responsabilidad entera del productor que no aviso de que pasaría . >> esto sorprendió a todos . >> cuándo veo este señor, con la cara toda quemada llena de sangre y todo, cuándo indago me dicen que se produce un accidente . >> el abogado del ilusionista dice que fue sorprendido que es un atentado contra la vida que tendrá repercuciones legales . >> contactamos al productor pero en vano, grabaria el programa pero ni el ni el equipo fueron , puede estar fuera del país . >>p ara ver nuevamente este reportaje y las imaganes en el sitio en pantalla . >> continúan manifestaciones por toma de enrique peña nieto -. >> el fin de semana hubo violencia tenemos lo ocurrido buenas tardes adelante . >>q¿qué tal? buenas tardes , hace momentos familiares de detenidos hacen otra manifestación cuento que la ciudad aparece en reparaciones después de d

. >> an outpouring of kindness and compassion while a nation faced ard questions about mental health and guns as the president issued an emotional call for action. >> for those of us who remain, let us find the strength to carry on and make our country worthy of their memory. >> randy kay, cnn, atlanta. >> next, the stories that affect your bottom line from facebook's ipo to the new apple boss to the new fiscal cliff. a look at the biggest money stories of the year. and later, the ten most intriguing people of twentiy twelve as chosen by you. sure does! wow. it's the honey, it makes it taste so... well, would you look at the time... what's the rush? be happy. be healthy. boproductivity up, costs down, thtime to market reduced... those are good things. upstairs, they will see fantasy. not fantasy... logistics. ups came in, analyzed our supply chain, inventory systems... ups? ups. not fantasy? who would have thought? i did. we did, bob. we did. got it. why they have a raise your rate cd. tonight our guest, thomas sargent. nobel laureate in economics, and one of the most cited economist

away ♪ ♪ wanna feel the warm breeze, sleep under a palm tree ♪ ♪ feel the rush of the ocean ♪ ♪ get on ardar away ♪ ♪ and break away ♪ out of the darkness and into the sun ♪ ♪ but i won't forget the place i come from ♪ ♪ i gotta take a risk, take a chance, make a change, and break away ♪ and there's a big advantage parents can give their kids -- making sure they get active at least 60 minutes each day. studies show that physical activity not only helps kids stay healthy, it can enhance important skills, like concentration d problem solving, which can improve academic performance. this means physical activity can help your kids in the most important game of all -- life. >> from the fox business studios, here is gerri willis. gerri: math and science experts. it is known as the stem jobs act. science technology engineering and math. all the stuff that we need. it is unlikely that there will be passed in the democratic contlled senate. granting residency to young people brought into the country legally, some arcalling this is achieved back. the gop version of the dream act. we have senator kay

. >> how ard county superintendent rene fuse says all of her schools held faculty meetings monday morning to review emergency plans and to discuss the safety measures in place for monitoring visitor ohs. -- visitors. >> we train monthly to make sure we are rehearsed on what the security plans are. should this unlikely event that, this unnatural disaster occur that staff would respond much the same way they did in connecticut. >> most area schools brought in counselors to help students still struggling to cope with what happened in connecticut. >> reporter: administrators are reporting that they are seeing more parents personally dropping off and picking up kids from schools around here. >> thank you. only some school schools are baltimore and howard counties have security buzzers at the door to control who can enter the building. officials are looking into installing those secure systems at all cools. >> stay with wjz for complete coverage of the tragedies in newtown. updates on the victims and the investigation on air and online at wjz.com. >>> a woman is facing charges after a security

bob pac ard is watching and wait i ing.f business do you have and how do you think your business would be affected if we go over the fiscal cliff? >> i have a franchise and we do promoelg marketing and logo ware and that sort of thing. the fiscal cliff is obviously going to affect us in a number of ways, but if you look at the tax situation, if the the taxes increase, we're already operating under a constrained financial aspect now just with the economy the way it is. it's a fine line. and if the taxes do go up, i see an increase happening in my business, increase in taxes on my customers, that's going to create a lower demand for my product, which creates lower revenue and it's a spiral downward. >> people in wall street talking about the uncertainty of negotiati negotiations dragging on for more than a few days, perhaps a few weeks. how would that affect you? >> there's things we need to do in business. i'd like to be able to hire new people and invest in new equipment. that's up in the air right now. i'm not sure if that

ard this news about a multivitamin study continues. the one they used in that study...trum silver. that's what i take. my doctor! he knows his stuff. [ male announcer ] centrum. the most recommended. most preferred. most studied. centrum, always your most complete. >>> new york has never been cuter. the big apple as a little toy city in a video gone viral. >> it sort of feels like toys brought to life. it reminded me of when you used to play in the sand pit as a kid. you would make little towns and that's really where it came from. >> and look, someone else made a miniature chicago. >> this was just a different view of the city. i was thinking, you know, i'd love to get something that people can relate to and enjoy. >> what's really fascinating about this is you really, really can't tell if it's real or if it's miniature sets. when you first see the boat, it looks like a little miniature boat. it almost looks like it's in a bathtub. >> so, how did these two videographers make tiny little towns out of two of america's largest cities? if you guessed model toys, you'd be w

shooting his way into sandy hook elementary school last friday, he had been confronted by qualified, ard we would at least admit it's possible that 26 little kids, that 26 innocent lives might have been spared that day? >> the nra also retained asa hutchinson, former u.s. attorney, congressman and homeland security official, to develop a model school safety plan focused on issues of design and access control and training for students and educators alike that the group could, said could be tailored by any school to suit its% individual needs. lou. lou: james, the two sides in this gun control debate, are now, if you will forgive the expression, they're armed up and going at it and getting ready for major confrontation. is there any compromise available in this, in this debate? >> as with the fisl cliff it doesn't appear readily discernable, lou. president obama released a video message vowing to fight for new gun control laws early next year. the down tours of this debate are already taking shape as leading democrats are pressing for renewed assault weapons ban and for new limit on semiti

two companies, almost all of them are facing secular decline, deflation from intel to hewlett pack ard and microsoft. if you don't have new leadership and hoping apple gets it done, that's why i'm coming to you with health care, dividends are growing and technicals lined up. we don't need a great economy and secular trend of people getting older, where i'm coming from. >>> 2012 was disastrous for some retailers and walt saying it could be a do or die moment for some companies like best by, jc penney and radio shack and sears. obviously an important year for ron johnson and jc penney. >> the model i'm looking at is the investment model. is any going to put money in these. best buy, i took a shot at that and that didn't work out. i don't think these names will attract significant investment capital. nothing warrants that. >> if one is, which one will it be? best buy, radio shack or penney? >> i think best buy. if you had to take a shot, it would be best buy. >> radio shack is in option at this point, right? whole option. you pretty much have a finite date on it, whenever they run out of

they say nancy lanza would give her son directions about what to do ard where to go. don't know why he opened fire on an elementary school on friday. marlie hall has more from newtown. >> reporter: hundreds gathered for a member service to remember sandy hook elementary school principal dawn hochsprung. she died after he broke into the school. >> you don't have to know her. what she did , it's just an act of selflessness and that touches humanity. >> reporter: hochsprung's funeral is just one of five that will be held today. tuesday saw two more children laid to rest. 6-year-old james mattioli loved sports and math. his family called him a numbers guy. and jessica rekos loved horses. she wanted a cowgirl hat for christmas. yesterday was a day of mixed emotions for many parents and students as school reopened in newtown for everyone except the kids who attend sandy hook elementary. >> so, like, surreal. >> reporter: there were some who stayed away. >> my neighbor up the street, her kid didn't come back. >> reporter: but there was also this: smiles from children who app