. >> the title to the car is in your name, the loan to the car is in your name. so, you own that car. by any chance -- >> and it's a car i've never driven... >> all right, but is that a car that you would like to own? is that a car that you would like to drive? >> no. it's about a $550 payment a month, which i cannot carry. >> all right, so, but you could, literally, because it's legally yours, you could take that car back, and you could sell it. and then whatever you owe, or whatever -- straighten it up that way. 'cause otherwise, since it's all in your name, if, in fact, he has been late with payments, it's already, as you said, affected your credit score, and if the company repossesses it, it's realgoing to affect your credit score, because what will happen is, they will then sell it at auction, they'll get a small amount of money for it, and you still will legally owe the difference between what they got at auction and what you owe on that car. so, ywould be better off taking the car that you own, selling it yourself, and then paying off whatever is left on t

smaller than their mortgage but bigger than their student loans or credit card debt. now, car dealers don't finance most of these loans. instead they often absent as intermediaries between buyers and financial institutions. buyer asking institution about financing, they turn around and ask financial institution for a quote and dealer passes the information back to the consumer. but too often the dealer gives the consumer a higher interest rate than the financial institution quoted and then pockets the difference. one study estimated that these costs aggregate more than $26 billion annually. that's $26 billion straight out of the pockets of working families every year. other studies found minorities are paying a higher share of those costs. now as you know, the cfpb has the authority to regulate nearly every kind of consumer loan but the big exception is car loans. i know they have indirect ways of getting at this problem. but a recent report from the bipartisan policy center, the report cited now several times recommends congress close the loophole and give cfpb authority to m

people find out state farm does car loans as well as they do insurance, our bank is through.ook there's two guys on the state farm borrow better banking sign. nope for real ere's two dudes on the state farm borrow better banking sign. [ reporter ] breaking news from the state farm borrow better banking sign... we're seeing two men that have climbed the borrow better banking sign gentlemen please get down from the state farm borrow better banking sign. phil get the hose. okay he's getting the hose. alright, l's go. [ male announcer ] talk to a state farm agent about car loans that can save you hundreds. that's borrowing better. ♪ with my redcard, i bring them all to life ♪ ♪ that's my kind of holiday. save big all seas long with 5% off plus free shipping with yourebit or credit redcard. >> whoa, d he just goes boom. >> yeah. >> score. >> that's pele. >> u know your scer, man. >> i prefer marona. diego maradona from argentina. >> i didn't know we had so many soccer fans in the office. >> i mean, to be fair, i was the first o to talk about it, but... > what about you, jim? are y

smaller than their mortgage but bigger than their student loans or credit card debt. now, car dealers don't finance most of these loans. instead they often absent as intermediaries between buyers and financial institutions. buyer asking institution about financing, they turn around and ask financial institution for a quote and dealer passes the information back to the consumer. but too often the dealer gives the consumer a higher interest rate than the financial institution quoted and then pockets the difference. one study estimated that these costs aggregate more than $26 billion annually. that's $26 billion straight out of the pockets of working families every year. other studies found minorities are paying a higher share of those costs. now as you know, the cfpb has the authority to regulate nearly every kind of consumer loan but the big exception is car loans. i know they have indirect ways of getting at this problem. but a recent report from the bipartisan policy center, the report cited now several times recommends congress close the loophole and give cfpb authority to m

millennials ages under 29, average debt which includes all credit cards, car loans and student loans is $23,332, and what's more millennials have the fewest number of credit cards. but experience say they overutilize them. using them for beer and pizza on a friday night, instead of for a rainy day. they have bad credit history by paying their bills late. 30 to 46 are only marginally better off with an average score of 653. they happen to carry the biggest debt, $30,0 39, but baby boomers age 40 to 65, average 700. the debt they carry is only marginally less than the gend gen-xers. baby boomers thrived at an economy that is growing faster than it is today, while having more access to capital. gen xers, today's gap could signify less opportunity for many. the kind that has less access to capital than their parents had. >>> many put themselves in a hole because they can't pay their student loans. cakalamazoo has an answer to that. free college tuition. over the years, students who live in kalamazoo have received $50 million. >> michigan state university candidate adone washington is alr

trillions of dollars on financial contract which all end up down the pipeline us to as consumers for car loans, personal loans and mortgages. africa's biggest privatization is due to be completed soon to a series of private corsorgs but the $3 billion sell-off has many upset -- upset many of the electricity workers. they threatened to plunge nigeria to darkness in a strike over unpaid redundancy. if you want to send me a tweet, follow me on twitter. ou can do so at bbc. -- that's it. more coming up in "g.m.t." in over an hour. >> how do you spell it? >> a-r-a-. >> there it is. thanks. >> still to come, the mayor of toronto under pressure to resign after police recover a video allegedly showing him smoking crack cocaine. a leading football club say they will continue its plans to strike after the president said he will not drop a 75% super tax on people earning more than a million euros a year. that's unless they granted an exemption from the tax. what's going on? >> the final whistle has yet to be blown but the clock is ticking. >> good afternoon. >> french football officials leaving the palac

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that's another reason why credit availability is so much better in car loans than say in mortgages where it can take more than two years to get somebody out of a house after they've stopped paying. > >exactly. subprime lending was a big problem in the 2008 meltdown. but this sounds like it's not going to be that bad if something starts to erupt here. > >well, because i think you'll see a couple of things. first, if the low performance starts to deteriorate, lenders can always tighten up. that's what happened in 2008. it's only started now to loosen up a little bit. so if conditions deteriorate they could tighten that up. also, people realize that they're gonna have to make some tough choices, and if they want to keep the car they gotta keep making the payments. there's a lot of people in years past that made the payments and they didn't make the mortgage payment because they wanted to keep the car and they really didn't care about keeping the house. > >thank you for your time as always greg. > >thanks angie. just ahead-- a trader who is ready to take a plunge into seaworld's stock. despi

that's the lowest of all groups by far before their average debt includes credit cards, car loans, studentoans, what's more, millennials have the fewest number of credit cards but they overutilize them buying pizza and beer on a friday night instead of keeping them around for a rainy day. and these folks are developing bad credit habits early by paying their bills late. now people age 30 to 46, i'm going to lump myself in that crowd. they're only marginally better off with the average credit score of 653. they carry the highest debt of any age group. they average even more late payments than the millennials and any other age group for that matter. baby boomers, 47 to 65 are faring much better. the debt they carry is marginally lower, but they use credit cards less than any other age group, and they're pretty good about paying their bills on time. two generations very different credit standings. the difference is baby boomers thrived in an economy that was growing at a faster rate today while enjoying a pretty good access capital to loans. since then jen xers and millennials lived through t

you must call us now because we only have 500 car loans we can write this month. that is it! this is an extremely limited offer. call now. so i wrecked my car which left me with no car and huge mountain of medical bills. i had to move back in with my mom which is just wonderful, but i need to get out of there so i need a new car. so, no one will finance me, i cant go anywhere. i tried the buy here's pay here's but the interest rates were outrageous. i have medical bills, i mean, people do get sick. i have credit card bills, i mean i do love to shop. the irs is after me and the result of all that? it doesn't take a rocket scientist to figure out that i have horrible credit. one night i was watching tv and i saw a commercial for us auto credit. so i called them up hopped on the bus went down there the next day. no money down, in an instant i got the bmw i wanted $199 a month. i'm driving around, freedom, it's awesome, it's excitement. thank you us auto credit. i called us auto credit. for no money down and only $199 a month, i got my gmc envoy. it don't get much better than that

. >> traditionally a loan for a new car has been three to five years but that's changing. loans are getting longer and it could mean longer down the road. the number of car loans for six or even seven years, that's 84 months of payments rose 25% in just the last year. some thing we're headed for a auto finance bubble. let's take a look with lauren lyster. why is this happening? >> demand is there because the average iechlk cars on the road is 11 years. people need a new car. when they go to trade it in it's nothing. wages have been stagnant. budgets are tight. economy has improved but employment has not. people don't have as much to shell out for a car payment. hour, here comes a seven-year auto loan. stretch out the payments. can afford it. lenders do it because delinquencies are low, interest rates are low. there's money to be made and it benefits the auto sales industry because it's building. >> there's something now about the average car loan is the average length of a marriage. >> clean slate, seven years. >> don't you pay more in the long run? >> yes. >> i think every

he wants was there are races to encourage the addicts to buy a car with using debt remember the car loans in america they're stretching out up to ten years now it's like longer longer used to be like two or three years the.

. >> traditionally a loan for a new car has been three to five years but that's changing. loans are getting longer and it could mean longer down the road. the number of car loans for six or even seven years, that's 84 months of payments rose 25% in just the last year. some thing we're headed for a auto finance bubble. let's take a look with lauren lyster. why is this happening? >> demand is there because the average iechlk cars on the road is 11 years. people need a new car. when they go to trade it in it's nothing. wages have been stagnant. budgets are tight. economy has improved but employment has not. people don't have as much to shell out for a car payment. hour, here comes a seven-year auto loan. stretch out the payments. can afford it. lenders do it because delinquencies are low, interest rates are low. there's money to be made and it benefits the auto sales industry because it's building. >> there's something now about the average car loan is the average length of a marriage. >> clean slate, seven years. >> don't you pay more in the long run? >> yes. >> i think every

he wants was there are races to encourage the addicts to buy a car with using debt remember the car loans in america they're stretching out up to ten years now it's like longer longer used to be like two or three years the mortgage on your car would be now it's like five six seven years so it's a rapidly depreciating assets not even something that would is a wise investment but there's also on the high end we're seeing record amounts of margin debt on the new york stock exchange and this is a chart from bloomberg and it's the margin debt for a new york stock exchange member firms and you see the three peaks there this is an image that tells a thousand words two thousand two thousand and seven and today as you see record margin debt right when you buy a car america you are it's just like money printing in america you increase america's debt load when you're buying stocks in america you increase america's debt load when ben bernanke you keep interest rates at zero percent he's helping to increase america's debt load it's also. time as the debt bubble pops everyone who issued the debt the ba

the areas surrounding the reeling in the ceiling on the daintree cars insured loans. we saw cars flying in the naughty spot on the streets. it was the ice cream and its people the meeting student and teacher in schools more. it's one of the ballistics the area. the new strongholds of the islamist militant group hezbollah now the who and what happened today is a . he comes this all to see receipt of these acts targeting lebanese territory of all people and institutions and units that will. there were some brigades which has links to the curried and came to be behind the pronounced in separate attacks would continue to have one on the most expensive and syria damascus during the attack on sony radio one who booed him to conclude that israel will need to continually dimples minutes. iran is one of syria's main families and a key sponsor has gone on display to significant spiritual role in the ongoing syrian civil war. that's not trust your correspondent in and they are great for a non fan it's hats. does this not contending point seven. i would be a big whack of unforesee

at afraud could meanuld blower credit scores. and higher car loan rates.to happen. check your credit score, check your credit report at experian.com. >>> lee harvey oswald's >>> this is an exact duplicate. a person who can only qualify by two points at the military weapons proficiency test can take this piece of junk and hit a moving target and find his sight picture in 5.6 seconds is ludicrous. >> the mafia, the cubans, the cia of all the conspiracy theories concerning the president's murder there is one more possibility, at least one. what if jfk was killed by a horrifying accident. shot dead by an inexperienced secret service agent trying to protect him. that's the basis of jfk, the smoking gun reported by my next guest. collin, thank you very much for being with us. for the commission to be correct about oswald acting alone a single bullet had to do a lot of damage. watch this first. >> the commission found the bullet struck him at the base of his neck just to the right of his spine and exited his throat below his adams apple. shattered four inches of

. ♪ at afraud could meanuld blower credit scores. and higher car loan rates.rian.com. # t# # kelly file. thanks for watching. >>> today, >>> today health insurance reform becomes law in the united states of america. >> the affordable care act was touted to be his greatest legislative achievement. >> we've done it. >> but it's nothing short of a disaster. according to a report, only six people signed up for obama care on day one. >> the website wasn't working effectively on october 1st. i think that is a dog bites man story. >> with this new type of insurance possible going the way it's going to go and the medical field changing the way it's going to go -- >> or week-long series on the missed obama care warning signs continues. >> and i don't know if i'd be talking to you right now. >> "hannity" starts right here, right now. >>> and welcome to "hannity." tonight for the entire

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fraud could mean lower credit scores, higher loan rates... ...and maybe not getting the car you want.to happen. check your credit score, check your credit report, at experian.com america's number one provider of online credit reports and scores. don't take chances. go to experian.com. >>> he arrived, i think, in 1992. i was at whale and dolphin stadium when he arrived. he's twice as large as the next animal in the facility. >> right at about 12,000 pounds. that's -- that's incredible. he looks fantastic. >> when tilikum arrived at seaworld, he was attacked viciously repeatedly by katina and others. in the wild, it's a very matriarchal society. male whales are kept at the perimeter. in captivity, animals are squeezed into very close proximity. tilikum, the poor guy is so large, he couldn't get away because he just is not as mobile relative to the smaller and more agile females. and where was he going to run? there's no place to run. >> i think he spent a lot of time in isolation. seaworld claims he's always with the females, but from what i saw he was mostly put with the females for br

fraud could mean lower credit scores, higher loan rates... ...and maybe not getting the car you want. it's a problem waiting to happen. check your credit score, check your credit report, at experian.com america's number one provider of online credit reports and scores. don't take chances. go to experian.com. >>> welcome back. it is just past 900 a.m. in the morning the philippines, family here in the united states and around the world bracing for bad news. we're expecting to learn the scope of the damage from possibly the strongest storm ever, ever recorded. joining us now from manila, australia's special broadcasting service. kathy, tell me about the area the typhoon hit hardest. buildings may not be constructed well. >> reporter: that's right. the philippines is made up of islands and people have their houses build up along the coast. it may no be houses like viewers picture. they are makeshift structures, made out of flimsy build material. a category five storm, your average building can't sustain that and plywood and sheet metal being used for these houses. >> information is scarc

announcer ] febreze keeps your home fresh at afraud could meanuld blower credit scores. and higher car loanes. it's a problem waiting to happen. check your credit score, check your credit report at experian.com. that's the sound of car insunce companies these days. here a cheap, there a cheap. everywhere a cheap... you get it. so what if instead ofjust a cheachoice, you could make a smart choice? like esurance for example they were born online and built to save people money from the beginning. that's what they've always ne. not just somhing they...cheep about. that's insurance for the modern world. esurance. now backed by allstate. click or call. >>> according to the latest report from the bureau of labor and statistics, the american labor force. percentage of those having a job or look for a job is 35 year low. my next guest is actively looking for a job and having a tough time finding one. mike penn is a graduate of a business school. he set up a stand and hand out free coffee and donuts and his resume in the new york financial district. mike joins me now. >> pleasure to have you here. >>

at afraud could meanuld blower credit scores. and higher car loan rates.m waiting to happen. check your credit score, check your credit report at experian.com. >>> i want to say happy birthday to ruby partage of lindsay, california. ruby turns 100 years old this weekend. we all want to say happy birthday ruby, on number 100. our next band is the award winning song writing parents together with their six children and together they make great music based on faith and family. robin wilber also has a song out, called the song of annie moses. please welcome the annie moses band. great to you guys. you talk about in your book of how god really gave you a vision of how children could be a wonderful part of the message. did you ever dream that you would have six all with -- or did you just whip them into submission. >> i was mama and i was driving that ship. and we got up very early and practiced together. >> oldest daughter is annie, not annie moses. but annie. what are we going to do today? >> we're going to do an old mountain tune. this is the girl of constant

alright, let's go. [ male announcer ] talk to a state farm agent about car loans that can save you hundreds>> today's chevron reported what unfortunately has become a typical blah quarter for this gigantic worldwide oil company. it seems something is always going awry for these colossal company. ceo told you, i quote, third quarter earnings were down from a year ago. pirmly reflecting lower margins for refined products in the current period, end quote. so, even though this oil giant earned $5 billion, or $2.63 in the quarter, its stock was hammered today, closing down to $118.01. this kind of action with majors is happening far too often. it's a disturbing friend because this is an amazing time to be in the oil business as we know from our domestic company numbers but major integrators are too big, too slow to grow and it's very difficult for them to replenish the reserves. they're on treadmill. chevron produced 2.59 million barrels of oil equivalent per day. oh, so much more than these smaller independents the market covets. however given the company produced 2.25 million barrels a day las

at afraud could meanuld blower credit scores. and higher car loan rates. it's a problem waiting to happen. check your credit score, check your credit report at experian.com. >>> a dangerous stretch of sleet, rain, ice and snow has killed at least 13 people across the country. the mess has delayed flights and is expected to impact thanksgiving travel. >>> four of seven inmates who else scaped from a prison in albania have been caught. three others remain at large. all the inmates were serving life sentences for murder. >>> with new inmates arriving every day of the week, deputies must quickly assess the threat potential of each one. >> first impressions are important for us working in this environment, you know, looking at how someone looks at you, how they present themselves. >> first impressions have not always been brian's strong suit. but despite a criminal record dating back to age 14 and a current one-year sentence for larceny, so far he's been a model inmate. >> i have seen no issues with him since he's been here. really is a pretty decent guy. am re

at afraud could meanuld blower credit scores. and higher car loan rates. it's a problem waiting to happen. check your credit score, check your credit report at experian.com. >>> from the world headquarters of fox news it's "the kelly file" with megyn kelly. >> we have scary new survey results tonight from public opinion research suggesting one in four small business owners are likely to drop insurance coverage for employees next year. carl cokarl rove is a fox news political contributor. they are suggesting 64% of business owners say the obama care law will have a negative impact on them. 27% have replaced full time with part time workers. they are gearing up to drop coverage. these are folks with under 50 employees who don't have to provide coverage but do and they are gearing up to drop it. >> half of the firms surveyed indicated they were likely to cap employees at 49 or less of the franchise owners. i think 5% of them said they thought the law was positive while 64% said negative. of those who own nonfranchise businesses 63% said it would have a negati

at afraud could meanuld blower credit scores. and higher car loan rates.to happen. check your credit score, check your credit report at experian.com. >>> we are getting a lot of tweets about oprah and the obama video we played. michael tweets, senator obama wouldn't have liked this president obama guy much. follow me on twitter @megyn kelly. check out our page at facebook.com/the kelly file. good night . >>> it is the end of obamamania. >> yes, we can! >> the approval rating drops to the lowest point ever. >> one of the problems we have had is one side of capitol hill is invested in failure. >> bob beckel and andrea tantaros are are here. >> i want to say i'm sorry to mrs. palin. >> ann coulter has a message for nbc news. >> it's worse than people know. >> plus a former obama secret service agent warns that

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interest rates on sub prime car loans can climb to 19%. experts say you have to have fairly bad credit to be paying more than 3%. >>> time is 5:52. is it a real charity or isn't it? the troubling questions about a bay area animal organization and why some donors now want their money back. >>> a party in the operating room. dancing in san francisco just before major surgery. how this has become an internet hit. [ male announcer ] some things are simply better at home. like the enticing aroma and distinctive taste of nespresso. elegant capsules meet masterfully crafted machines, and one touch creates the perfect coffee, cappuccino, and latte. ♪ tempt all your senses with one extraordinary coffee. [ penélope cruz ] nespresso. what else? [ male announcer ] available at these fine retailers and nespresso-us.com. because what you don't know, can hurt you.urance. [ male announcer ] available at these fine retailers what if you didn't know that posting your travel plans online may attract burglars? [woman] off to hawaii! what if you didn't know th

that's it for us at afraud could meanuld blower credit scores. and higher car loan rates.oblem waiting to happen. check your credit score, check your credit report at experian.com. [knock] no one was at home, but on the kitchen table sat three insurance policies. the first had lots of coverage. the second, only a little. but the third was... just right! bear: hi! yeah, we love visitors. that's why we moved to a secluded house in the middle of the wilderness. just the right coverage at just the right price. coverage checker from progressive. huckabee in a live edition tonight. i will run over to the studio to see it happen. >> tonight on huckabee, another obama care delay with enrollment pushed back until the midterm elections. >> it is a political ploy by the administration to hide the additional sticker shock. and people will see through this. >> but do republicans have a better plan? congresswoman michelle bachmann joins mike huckabee tonight. plus, will your insurance get cancelled? and will your

at afraud could meanuld blower credit scores. and higher car loan rates. score, check your credit report at experian.com. . >>> people waiting for definitive answer about what exactly killed yasser arafat, imagine they're frustrated today scientists in switzerland investigating rumors the palestinian leader was poisoned. their finding are out and matthew chance has the story out of the west bank. >> reporter: unexpectedly high levels of supporting the theory that yasser arafat died as a result of poisoning, that was the conclusion of the latest forensic report into the death of the late palestinian leader, who is buried here at the tomb in ramallah. but the swiss forensic scientists that carried out the tests said results were problematic, tissue samples too small, too much time elapsed between the death and collection of the samples, and that some of his personal effects could have been contaminated. professor is the director of the forensic team. >> translator: was pull loanium the cause of death? can we say with certainty polonium was the death of arafa

. ♪ at afraud could meanuld blower credit scores. and higher car loan rates.oblem waiting to happen. check your credit score, check your credit report at experian.com. >>> lists about cats and cool youtube videos might be the bread and butter but the popular website buzzfeed is staking its claim on hiring gina moore as new international women's rights correspondent. it's a bold and necessary move given the way many media outlets undercover women's issues. according to a media report, an article discussing women's rights 64% of quotes are from identifiably male sources. 27% feature identifiably women but there are complications to covering sensitive subjects like rape, abortion and sex trafficking. here to discuss the challenges involved in new york, lauren wolfe, director of the women under siege project at the women's media center and miriam elder who hired the new women's rights reporters. i'll ask you first. why did buzzfeed think it was important to have a women's issues correspondent? >> aside from the fact that you stated women's issues tend to me willfu

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comfort individualized at afraud could meanuld blower credit scores. and higher car loan rates.lem waiting to happen. check your credit score, check your credit report at experian.com. >>> as we continue with our lively studio audience, okay. final thoughts. what happens from here? your reaction? >> i want to go back to something sabrina said. outside of politics and bipartisanship and this stuff. leadership. takes good administration and accountability and good people behind the role for to it work. i come from private sector. in any project like this, the ceo would have been fired or put on probation. >> good point. >> democratsinto the mid term with a potentially toxic president they may need to couple him from his signature achievements. >> we need to talk about solutions. if tamara talks about getting insurance from other company that's is portability. focus on multiple thing that solve problems. >> you know one thing i can count ones a democrat is that republicans will use ted cruz tactics and put us on top again i'm counting on it. >> ainsley you've been following the new

fraud could mean lower credit scores, higher loan rates... ...and maybe not getting the car you want. it's a problem waiting to happen. check your credit score, check your credit report, at experian.com america's number one provider of online credit reports and scores. don't take chances. go to experian.com. >>> okay? >> okay. >> so i already showered once. do you still want to shower again? >> i'm kind of stinky. >> in riverside county we had a very diverse group of men show up. we had the teacher. we had an agent with the department of homeland security. we had people from all walks of life including an actor who we see driving up to our hidden camera house in a convertible sports car, and he's here to meet a young teenage boy. >> what's up? >> hi. how are you? >> why don't you have a seat right there? what's going on? >> how are you doing? chris. >> good. how are you? you're chris? >> yeah. >> what are you doing here? >> i was invited. >> by? >> by who? >> who did you think you were talking to? >> i thought i was talking to luke. >> luke. and how old do you think luke is? >> i thou

i think he engaged in credit policy, buying up mortgages, buying up car loans and the like. i think that's -- >> you mean early on? >> early on. >> i would agree with that. >> they're still purchasing mortgages. those subsidies should be determined by congress and the taxpayers. i think it goes beyond the fed's purview. >> let's talk about a higher power. how is it possible when we appeared to meet a guy who was an expert on the great depression, the recession, he did all of the things that he thought were needed to be done at that time in the sense that we needed to boost the housing market and stop a crash in home credit. in auto credit. in the entire panoply of credits. he did back away from those as soon as he could. he closed down the programs instead of for bond purchases and he's ended up giving $350 billion back to the treasury. >> i think he was heroic. i love your use of the term higher power. that's why i give him a "b." i would have given him a lower number, but "b" was good. he was heroic. quit while they're ahead. i don't like your report, low rates as far as t

♪ at afraud could meanuld blower credit scores. and higher car loan rates. score, check your credit report at experian.com. >>> now to some of the other stories we are following tonight. trey radle the florida congressman busted for cocaine possession has been sentenced to a year. he pleaded guilty today for a misdemeanor and apologized to a judge for what he's done saying "i think in life i've hid a bottom where i realize i need help." he's checking into an in-patient program. he was charged after paying an undercover cop for 3 1/2 grams of cocaine in washington, d.c. at dupont circle. >>> and a-rod out of control. the new york yankees player stormed out of an arbitration meeting over his suspension after learning major league baseball will not be coming in from milwaukee to testify. the commissioner, that is. shortly after the hearing a-rod explained his outburst to wfan's mike francesca. >> i lost my mind. i banged a table and kick add briefcase and slammed out of the room and just felt like the system -- i knew it was restricted and i knew it wasn't fair