research this term -- gold etf fund. because gold etf allows you to own the underlying gold without you having to handle it, store it, or without you paying big fees to buy and sell it. but i would be careful taking too much of that low-earning cd money and throwing it into gold. because that would ultimately prove to be very risky. >>> michael's with us, hello, michael. >> caller: hi clark, how are you? >> great. i understand that you were ill recently, are you okay now? >> caller: much better, thanks for asking. last month i had to go to an emergency room locally for flu symptoms. and saw the doctor for a few moments. paid the bill. left, everything was fine. then i get about a month later, i receive another bill, for doctor services. and i, is this normal? because i asked when i left the hospital, what my total was. they gave me a total amount. i paid it. and now i've received another bill. i didn't have any lab work or anything like that, it was basically just a doctor visit. >> so you will have in your case, they di

you can buy ownership in gold like you buy a stock and it's called an etf. an exchange traded fund which sounds ompl kate e complicated s not. you pay a company to buy gold for you. they store it for you in a vault. and then when you choose to sell it, you can sell it right away at whatever market price is. it's really, are really easy to do and it saves you a fortune. you have the same thing owning gold. >> a lot of interest in this series. don't miss operation clark smart this weekend 6:00 a.m., noon, and 4:00 p.m. eastern here on hln. >>> would you pay a tax on your text messages as one of the things people in california are voting on today. voters will decide on expanding utility tax to include text messages, private phone networks, pagers, voice over internet services. the city filed for bankruptcy last year. dozens of cities in the state are using similar measures to raise money. >>> nick cage is flat broke. he's unloading a home to make ends meet. >>> charges expected to be upgraded against a father accused of running over his own daughter because he

and it's called an etf, an exchange-traded fund, which sounds complicated, but it's not.nd you pay a company to buy gold for you. they store it for you in a vault. and then when you choose to sell it, you can sell it right away at whatever market price is. it's really, really easy to do. and it saves you a fortune. and you have the same thing owning gold. >> one of the most difficult transitions for military personnel is reassignment to a new duty location. well, there are lot of money issues that come up with that. and i visited with one couple that had a lot of questions for me. >> hi, i'm captain john burns and this is my beautiful wife may. >> hi. >> i've been in the army for about three years now, 3 1/2 years and i've had one deployment to baghdad, iraq for 15 months during the surge in 2007-2008. >> we're trying to buy a house in the near future. maybe a year or two, two years. >> and are going to be deployed where in america? >> maybe stationed in fort bragg in about the next six months after i get done here at benning. >> what questions do you have about buying a

you can buy ownership in gold like you buy a stock and it's called an etf, an exchange traded fund, which sounds complicated but it's not. and you pay a company to buy gold for you. they store it for you in a vault and then when you choose to sell it, you can sell it right away at whatever market price is. it's really, really easy to do and it saves you a fortune. and you have the same thing owning gold. >> i like seeing him in uniform. how cool is that? watch at 6:00 a.m., noon, and 4:00 here on hln. >>> birds hit a delta plane hard enough to knock a hole in it. check out the damage here. and hear passengers describe what their emergency landing was like. c >>> a 20-year-old woman whose father allegedly ran her down with his jeep died. noor almaleki said her father thought she became too westernized. both women were walking in a parking lot together when they were attacked. >>> voters in maine decide today whether to keep or repeal a law legalizing same sex marriage. it's considered too close to call. it's the first time voters will weigh in on the same sex marriage

gold etf fund. because a gold etf allows you to own without you paying big fees to buy and sell it. but i would be careful taking too much of that low-earning cd money and throwing it into gold because that would also prove to be very risky. michael is with us. hello, michael. >> hi, clark, how are you? >> caller: great. thank you. >> i understand that you are ill recently. are you feeling better? >> caller: yes. last month i had to go to an emergency room for flu symptoms and i paid the bill, left, everything was fine. then i get about a month later i receive another bill for doctor services. and is this normal? because i asked when i left the hospital what my total was. they gave me a total amount and i paid it and now i received another bill. i didn't have any lab work or anything like that. it was basically just a doctor visit. >> so you will have, in your case, they didn't do any culture or anything to try to confirm that you have this, that, or the other? >> no. they just asked me for my symptoms, she wrote a prescription, and i left. >> so if you got a bill from the hospital

and it's called an etf. an exchange traded fund. which sounds complicated, but it's not.nd you pay a company to buy gold for you. they store it for you in a vault. and then when you choose to sell it, you can sell it right away at whatever market price is. it's really, really easy to do. and it saves you a fortune. and you have the same thing owning gold. >> watch "operation clark smart" this weekend at 6:00 a.m., noon and 4:00 p.m. eastern right here on hln. >>> jay leno says that he would return to "the tonight show" if nbc asked him to. leno says he likes his new primetime gig but in an interview with broadcasting and cable magazine he said he's open to the idea of going back. conan o'brien took leno's place, of course, as host of "the tonight show" after 17 years on the job. leno say o'brien is, quote, doig fine. >>> there's probably nothing more grueling than running a marathon. but imagine running it on crutches battling multipresidle diseases. that's what one woman did for more than a day to cross the finish line. >>> 47 minutes past the hour. the fbi is looking fo

what about these etfs that are so cheap, so inexpensive to buy. >> very clearly etfs, exchange traded funds. the days of buying individual stocks are over. when you have the biggest companies in america and the world go broke, whether you're looking at general motors or aig or lehman brothers or bear stearns, or fannie and freddie, when the best can go broke, that shows that the days of buying individual stocks are gone. you need to instead buy baskets of stocks. and that's what a fund is. don't buy retail mutual funds, buy exchange-traded funds. as you pointed out, they're dirt cheap. you can buy them for practically nothing. that's the way to go. >> one word answer. is the stock market going to end the year higher or lower? >> yes. >> higher? >> we're very optimistic that the stock market's going to continue to do well. >> all right. ric edelman, thank you. appreciate your time today. >> any time, gerri. >>> now, investing isn't the only way to grow your money. if you're looking for some extra cash, there's things you can do right now to pump up your income. donna, great to see you

you can buy ownership in gold like you buy a stock and it's called an etf. exchange traded fund which sounds complicated but it's not and you pay a company to buy gold for you. they store it for you in a vault and then when you choose to sell it, you can sell it right away at whatever market price is. it's really easy to do and it saves you a fortune. you have the same thing owning gold. >> so smart. watch operation clark smart this weekend at 6:00 a.m., noon and 4:00 p.m. eastern right here on hln. >>> a popular coach passes away and now had his family is facing foreclosure. what his former students are doing to help. 

and it's called an etf, an exchange traded fund, which sounds complicated but it's not, and you pay a company to bi gold for you. they store it for you in a vault and then when you choose to sell it, you can sell it right away at whatever market price is. it's really, really easy to do. and it saves you a fortune. and you have the same thing owning gold there are a lot of money issues that come up with that and i visited some one couple that had a lot of questions for me. >> i've had some one deployment to iraq for 15 months during the surge from 2007 to 2008. >> and you were going to be deployed where in america? >> i'm going to be stationed at ft brag. >> so that's like a permanent duty station? >> yes. >> what kind of questions do you have about biing there? >> we won't have a significant amount of down payment or should we rent for a while and put a decent sized savings away so we can put a good down payment down on the home? >> there's no right answer to that. if you bi a home pretty quickly under the v.a. loan, the advantage to that is that the housing market will not recover si