lynette dug out of $100,000 worth of debt. 100 grand. it's awful to admit. >> but you did it. >> that's correct, a decade ago i had $100,000 in credit card bills alone. it's awful, i know it of course now. i took three years, i paid it off. i never missed a single payment and i wrote a book about it. zero debt, ultimate guide to financial freedom. i knew if i got out of there are 100 in credit card debt, the average household that's holding about $10,000 could do the same. >> most people have -- if they have a mortgage they may have that kind of debt, so that's remarkable that you can do that. >> jeff, let's bring you in. you're a clinical psychologist, you understand how people work on this stuff. and there are a couple points we want to bring up. the first thing is you have to have meaningful conversations. everybody here has said the same thing. people don't say we've been talking about money for years with each other, now we want your expertise. you have to initiate the conversation. even if somebody else isn't bringing it up. it is

lynette. >> reporter: all right.m here and i am out here live target parking lot and this is waiting in anticipation because that's the word we live in we wait for the next big thing. next big thing is going to be that black friday shopping is going to start earlier than ever. for some stores, black friday sales will start on thursday. and then you have some stores participating in black midnight as stores will open at midnight on black friday. participating stores should have signs that say attention black friday shoppers, you better scarf down the thanksgiving dinner that took hours to prepare because the holiday shopping rush will start earlier. it looks like the naps they take after thanks gave dinner will have to wait until we are done shopping. but now i think about it. it's probably a good thing. we will burn extra calories. >> nothing wrong with that. >> reporter: we are burning calories. >> high knees. >> reporter: cross, cross. >> cross over. she is ready to go shopping right now. lynette charles thanks a l

jeff garr deer, lynette, cal fanni-fox, and louis barajas. welcome to all of -- >> we've talked about this before. there are people who think they could speak money. they live paycheck to paycheck, maybe putting some in a 401(k), but beyond that it's a completely foreign language. that will hold them back? >> absolutely. i just go back to they're not aware of how they're speaking money and what the money is for. >> right. >> the purpose of the money is to -- no one is taking anything with them, so how do we use for a better quality of life. >> it's not pursuit of the money at costs. we're not about that. >> you obvious say -- louis just said everybody speaks money. when your kid comes home with a report card that's not appropriate, are you mad because they didn't study or worried that my goodness, my kid's future just got flushed down the toilet, into you he didn't do the right thing in math? lynette? >> and as a mom of three kids, i can attest to that. does that mean they're not going to have a good job, won't have the economic and career ad

lynette. >> reporter: well, we know that picking out a turkey cab little on the confusing side. but we will have ben simpkins here chef ben simpkins that will tell us about turkey collection and that's coming up next. >> time for pirgt days and belated -- birthdays and pete's birthday was yesterday. happy birthday to you. if you have a birthday oranniversary or pat or anything, you want to -- pet or anything, you want to share morning show at wmar.com. back in a bit. look what denny's left for my dad, santa! christmas cookie pancakes. milk & cookies shake. i think santa needs a helper. come try arthur christmas's favorites. only at denny's. and see arthur christmas only in theaters. >>> now "good morning maryland." >>> welcome back. one day to go and it's time to eat the thanksgiving dinners and abc2 news lynnet in charles is -- lynette charles is out in white march wash local chef. are there live turkeys on the scene where you are? >> reporter: charl hello, no i don't see any live turkeys running around but that's a good question. fresh frozen in a second and this place is goin

lynette charles joins us live from target and towson and lynette are they open yet because if they are you've been in and made a few purchases. >> reporter: you got that right. unfortunately they are not open but behind me, the employees are actually getting ready to go in and set up and get ready for big deals going on there. you know what, as a consumer gets prepared to buy. target is preparing to fix, fix and that is the website. you know target . com has been crashing -- target.com has beencrashing section times since going live august 23rd. first major sign it was not ready was september 13th three weeks after the launch. when the release of italian collection missoni brought the rush to the site it crashed for almost a day. target is trying to improve the website since 82% will do holiday shopping online according to the national retail federation. that means that more purchases will be influenced by the web. while 90% are buying -- of buying takes place in stores. more than 40% will be suede by the web. web -- swayed by the web. many purchases are influenced by looking on target

lynette is here and david, thank you both for being here. we appreciate it.ynette, your question comes from terrance in new york. he has a 30-year mortgage with his bank. he refinanced three years ago and 4.75% and he's tried to negotiate with the bank but they are telling him that he cannot renegotiate without closing fees because the mortgage is held by another entity. is there any way to take advantage of low rates and not pay the processing fees? and we don't know the specific of his situation. it's always different. but what do you say generally to this? >> i don't need to know the specifics. the fact is, whenever you take out a mortgage, you're going to have some kind of closing fees. some lenders taught zero points or no closing fees but every mortgage has fees attached to it, lender fees, title fees, government fees. those are standards for any type of mortgage. and even if you do get a loan with zero points or no origination fees, you can be sure that the bank is making up for that in terms of the interest rate for the loan. >> this comes from kent i

. >> what i liked about lynette it gave voice to what i felt were the difficulties and challenges ofood. >> how about you? >> four at home. two on the way. >> oh, big family. you're so blessed. >> i really wanted to show, hey, you can be different and okay. you can be fat and okay. you can can can be unemployed. your kids are brats. you're still okay. as long as you have honesty and integrity and some measure of intelligence it's all okay. >> off-limits at this point. it doesn't seem like -- if it's within the realm of experience then i've had -- the people i know have had, the writers have had, that it's all gained. >> tv is becoming literature and our sense what have we need from a show. >> television now has taken on the role that movies had of actually being more challenging, more psychologically astute. >> reporter: shows that once represented the ping nakal of culture come across today as ironically enjoyable cure joes bound by the standards of a bygone era. >> good night. >> good night. >> if you are in the same bed at least one foot has to be on the floor. >> they gave me eve

better way to spend the weekend than at a waterfowl festival there is wildfire lovers and our own, lynette charles and in the heart of the action and how is it going? >> reporter: going pretty well rosie and it is going on for a while, they have done really good business and earlier i have showed you lots of beautiful workmanship and work so let's stick on the beautiful theme right now and i'm going to bring in this beauty right here and check this guy out and also let me bring in the owner, butch chambers and tell me what his name is? >> this is quinn. >> so we have quinn right here? >> yes, quinn, 7-year-old black labrador. >> and you are the chairman of the retriever demo, is that correct? >> correct. >> and tell us about the retriever demo. >> the retriever club is conducting a retriever demonstration at the bay street ponds and they are at 11, one and three on saturday and sunday and what we do is we run the dogs through actual hunting scenarios with them doing the actual retrieving that you can expect to see in a day. >> and what about -- what type of breeds? are there all breeds? wh

>> thanks a lot, lynette. >>> in tonight's democracy 2012, information about a new had -- ad going aftert romney. first, let's start with breaking news about herman cain. >> reporter: we have breaking news about herman cain. he was just on cnn. what we know now is a third woman is coming forward with what's being called allegations against herman cain. the latest information is from aga, an affiliate in atlanta. they said the woman is an atlanta business woman. her name is ginger white and the two of them had a 13-year affair. she said she knew at the time he was married and this is wrong. take a list on it what kane -- cain had to say. >> this woman will accuse me of an affair for an extended period of time. secondly it is someone that i know who is an acquaintance that i thought was a friend. >> reporter: kane would -- cain would not go into details. but we just gave you the information. >> i want to play some more of what herman cain had to say. >> i'm more worried that this will hurt my wife and my family because it will prove that this was probably something else that was baseless.

lynette, your question comes from jason.rds his retirement plan. he's thinking about moving some of that into a roth i.r.a. and his employer does not meet his match. >> he may want to reconsider that. he's lowering his taxable income for the here and now so obviously he's reducing the amount of taxes that he has to pay. obviously, the roth has its own benefits. he's able to take out that money from the back end. he may think about doing a 60/40 split. >> guys, thank you so much. folks, if you have a question thaw want answered, send us an e-mail at any time to cnnhelp desk@cnn.com. this is $100,000. we asked total strangers to watch it for us. thank you so much, i appreciate it, i'll be right back. they didn't take a dime. how much in fees does your bank take to watch your money ? if your bank takes more money than a stranger, you need an ally. ally bank. no nonsense. just people sense. >>> in depth today this twist on the occupy wall street protest in nashville. a reporter said he was arrested in a police sweep caught on ca

up next, grab your circular and scissors lynette charles looks at extreme couponing. and straight out of the horror movie what bizarre discovery police made involving a grave robber. that's not bizarre enough. you are watching good morning maryland on this wednesday, november 9th. >>> now "good morning maryland." >>> 5:16. stores are offering more and more deals getting closer to the holidays but you don't need -- but you don't need sales to save money. try clipping coupons. some people are going to exteems and getting money back dinette charles joins with us more and you are scoping out the deals i am sure. >> reporter: you got that right you know me too well. i am in target parking lot right now. and it's empty and in a few weeks oh, boy this is going to change. you know what, i heard of extreme sports before, but i never heard of extreme couponing. you know, what i guess this is like 30 is the new 50 or i guess the extreme couponing is the new way to shop but it's becoming the new way to shop. this is what's going on. due to the fact coupons help save money people

. >>> thank you, lynette. in front of george clooney, the ravens beat a good cincinnati team. ray lewis was out, first miss in 58 games. first quarter, ravens up, throwing deep to smith for the touchdown. bengals, 31-24, under 2 minutes to play, andy dalton hits simpson and reid makes the play of the game. they finish it, final score 31- 24. after the game ray was happy. let's talk to the stars. >>, he is our leader. it is tough not to have him there. he is a big part of it. >> for appearance it is good, but it will be the ravens begins the 49ers. two good football teams. >> we will be ready. reknow this game was on the schedule a long time ago. the guys will be ready. turkey doesn't taste good on thanksgiving if you don't win. >>> all right. thursday night it will be fun be at the harbaughs. all right. the harbaughs coming up on thursday and right after the game, let's go shopping. are you going to be buying gifts made in america this year? we're going to show you how easy it is to tell. >> this one is made in america. you have seen it on tv. tonight we city if style snaps li

speaking of looking good, lynette standing by in the newsroom and you will talk more about what we canexpect. >> yes. you know you just gave that forecast looking pretty good but maybe you want to go see the terps game. it'll be a good one, playing the cavaliers at 12:30 on saturday. again this will be a good- looking day and if you want to do that that's something to do but also, we are looking at a health fair that is -- you can see the seven father in partnership with the heart center. this is definitely something good you want to do. now if you want to get this forecast i have it for you. they can it check it out here. plenty of sun on saturday. it'll be sunny, cool so don't forget the jacket. now what i want to show you i was a happy camper today because i went to a elementary school and i visited the 4th grade class and this is a part of the 4th grade class. the rest them -- it was a fabulous day. so many wonderful questions, talking about tornadoes, hurricanes, and even floods, yes very smart kids, they are going to have our job as they get older, very, very smart and it'll be a

lynette charles is in towson at one of the stores ready to break things down for us. i know you are making your list. and you probably have plans for black friday as well. >> reporter: oh, yeah. that's all done. i will give you what i want from you when i get back to the studio. in the meantime, i am here live. i am in the target parking lot and you know that black friday is getting closer and closer. we are about 3 weeks -- less than three weeks away from black friday. it was's going on. as consumers prepare to buy target is preparing to fix the website. target.com crashed not one or two-times but six times it went hive in august 23rd. first major sign target.com was not ready was september 13th, three weeks after the launch. when the release of a collection from italian moss missoni brought a rush of visitors to the site and it crashed for the whole day almost. they are trying to improve the website. since 82% will do holiday shopping online according to the national retail federation. now that means that more purchases are being influenced by the web while 90% of b

one person who is linking -- lick her chops is lynette charles live at richardson's farms and it's a question i asked about the live turkeys in the 5:30 hit and i was going to ask you to pardon a turkey. >> reporter: i am not even answering that question right there because. >> pardon the turkey. >> reporter: i don't have my invitation to dinner tomorrow. we will talk about that when i get to the studio. >> all right. >> reporter: so, this is the place to be. richardson farms if you are in need of a turkey, if you need a pie or any dessert or anything in between, so, let's talk about anything in between. let's bring in mandy the retail manager and what generation are you? >> i am the 6th generation working here. >> reporter: so we have lots of generations. i want to know about is that kale? >> yes. we have kale and these are collard and we grow them on the farm and we will have them through christmas. it's like the only thing you can find other than cabage that grows in maryland in the wintertime. >> reporter: and what about frost? frost cab big problem. are these bagged with frft. >

we send out lynette charles to a turkey farm in white marsh where a chef has ideas for us this morning. >> reporter: oh, yes, charley,ive have lots of eye -- i have lots of ideas. there's soap stuff to be had. we are talking about pumpkin pies and breads and corn breads and cheeses and you name it. we have it here. so, i am going to bring in ben simpkins and he is the executive chef here and he is a pro and we are going to talk to you about the pie this morning right now. so what are the delicious pumpkin pies. >> good morning. it's bright and early this morning. and our bakers have been up all night since yesterday afternoon baking these pies nice and fresh for everybody. and we have pumpkin pie and pecan and sweet potatoe councilp and apple and a lot of -- crunch apple and a lot of great pies. i have four shopping carts full of corn bread. this is like cake. it's wonderful. we will sample it today here at the farm. so come down and get a sample of the corn bread and we as you can see in the back have fresh baked bread we bake every night with bakers. so we have everything that is fre

. >>> thanks, lynette.ng to the same spot we announced his run for senate six years ago, ben carden was back at the baltimore museum of industry to make it official vannedded by local, state, and federal maryland lawmakers and kicked off the reelection campaign and laid out the list of accomplishments working for better schools, fighting to protect workers, helping seniors, supporting rights of veterans and working bipartisan bench reform and says he wants to continue fighting for kri stood up to the partyers who claim that they want to take our country back. we will not let them turn back the decade of social progress. [cheering] [ applause ] >> we will not let them turn back women's rights, civil rights, and environmental rights, worker rights, or human rights. >> he says there is plenty of challenges ahead and he wants to play a role in help getting people back to work and turn the economy around. >> mlv.com is reporting the orioles hired dan duquett e to be the next manager and out of the office by bein

3 233 it was strange to heer that it was right in my neighborhood 38 lynette scottt village ...pollce say aaound 10-this mmoning... a 36-year-old woman and a 38-yyar-old man were shot inside a burgundy s-u-v near &peast 22nd street and calvert. one of the victims managed to drive a few blocks away...ending up on the corner of east 23rd and north charles. 10:00 crazy. i mean 10 o'clock in the morring. that's i mean you wouudn't eepect it i mean especially around this area 06 but incidents of crime appear to be happeninn more often in charles village... an area known for johns hopkins, art aad culture, and high-end homes. 7:13 it's dissurbing. pause. there were some people attacked a few blocks up this way on saint paul a couple of weeks ago, and of course there was the hopkins worker wwoowws murdered 24 investigatorr say they're still scouring the area for witnesses and possible surveellance video of this lattst incident. but a double shooting with no motive on edge. 1108 we're definittlyy- going to think twice before we walk around at 2 in the morning oo somethhng like that espe

that is what lynette visiting the waterfowl festival what is going on. >> reporter: i am in a fabuloustent with fabulous things and that's the way i like it and we are looking at some pieces here and i was talking with the artists, the featured artists that did this and i have him with me, it isdon rambot and he is going to talk about all of the beauty that i'm seeing. how long have you been doing this,don? >> it has been 16 years since i graduated from college with a fine arts degree and starting showing my last year, so about 17 years and have been here at the waterfowl festival my 13th year. >> did you know right off of the bath is what you wanted to do. >> no, i started resource management and shifted into biology from there and had a passion for art and was taking art classes because i enjoyed it and took one where i picked up a couple pieces of steel and within a month i changed majors and changed schools and i found my voice. >> reporter: and what inspires your voice. >> birds, that is my passion and my primary subject matter and what i am most comfortable with. >> reporter: do

lynette charles has the forecast. >>> first, let me tell everybody happy thanksgiving.t's not going to be so bad. maryland's most powerful

better way to spend the weekend than at a waterfowl festival there is wildfire lovers and our own, lynette charles and in the heart of the action and how is it going? >> reporter: going pretty well rosie and it is going on for a while, they have done really good business and earlier i have showed you lots of beautiful workmanship and work so let's stick on the beautiful theme right now and i'm going to bring in this beauty right here and check this guy out and also let me bring in the owner, butch chambers and tell me what his name is? >> this is quinn. >> so we have quinn right here? >> yes, quinn, 7-year-old black labrador. >> and you are the chairman of the retriever demo, is that correct? >> correct. >> and tell us about the retriever demo. >> the retriever club is conducting a retriever demonstration at the bay street ponds and they are at 11, one and three on saturday and sunday and what we do is we run the dogs through actual hunting scenarios with them doing the actual retrieving that you can expect to see in a day. >> and what about -- what type of breeds? are there all breeds? wh

lynette, your question comes from frank in virginia.old and less than five years from retirement. he says he's at the top of his earnings power right now. he wants to know if he should get a roth ira or traditional? what do you think? >> the question is whether or not he qualifies for the roth ira. he didn't say what his income is or whether he's single or married. generally around $120,000, $122,000 for single, $170,000 for married folks. he may be locked in to the traditional ira. however, if he does qualify, the roth is a great deal. you get those monies, take them out tax-free on the back end. whenever people do qualify, i suggest the roth. >> thank you, both. we appreciate it. if any of you have a question you want answered, send them in to cnnhelpdesk.com. accept it. you can't change the way banking works. just accept it, man. free ? doesn't close at five ? try nature. it's a bank. what do you want, a hug ? just accept it. hidden fees, fine print, or they'll stick it to you some other way. stay with the herd, son. accept it. just

lynette, your question comes from jason in colorado. employer response sponsored plan. he's thinking of moving that into a roth i.r.a. and says the employer doesn't offer a match. how should he split the contributions? >> he may want to rethink that strategy overall by maxing out to the extent he is right now he's contributing about $8400 or so to az 457 plan, lower his taxable income and reduces the taxes he has to pay. the roth has its own benefits because he he can take out the moneys tax free on the back end. if he wants to do a split,my want to think about 60/40, 60% in the employer sponsored plan and other 40% for the roth i.r.a. >> folks, if you have a question you want answered, send us an e-mail any time to the help desk at cnn.com. accept it. you can't change the way banking works. just accept it, man. free ? doesn't close at five ? try nature. it's a bank. what do you want, a hug ? just accept it. hidden fees, fine print, or they'll stick it to you some other way. stay with the herd, son. accept it. just accept it. accept it.

. >> the property is owned by tom and lynette heinrichs who live with their 23-year-old son ben, buddy's best pal. >> i would say buddy has pretty much been shadow. when ben leaves, buddy leaves. you could tell that buddy was ben's dog because he was right there with him and he listens to him real well. ben is definitely the master. >> the night of the fire, buddy is right beside ben who's working on his car in the shed when gasoline ignites. the blaze leaves ben with first and second-degree burns. >> one of my parts had fallen into the tank of gas and splashed up on my heater and ignited catching me on fire. i ran outside in the snow. told buddy we need to go find help. >> buddy obeys. that's when he runs to the road and meets up with trooper shanigan. >> i am very proud for what my dog did leading the state trooper to our house. by doing so, he saved our house. >> but buddy isn't finished. he runs back out to the road again. >> i had a firefighter that had come to up to me during the whole episode and told me they had followed a german shepherd in from the same general location that i

--deaveonnwashington--turns 3 - lynette brown..0 birthday or getting marriedd today... send in youu pics to picc at fox baltimore.com. coming up in our 8 o'clock hour.. in your hometown hotspot... helping veterans... through art....e takk you inside "re-start with art"...that's happening in north baltimoree baltimore.but first...you can't tell by the smile on her face, but this little cutie is fighting a heart condition..up next... find ut ways you can helppkeep her in the fight. you're watching fox 45 morning news.. all local.. all morning. innjuly of 2010 .. the new addition to their fammly. p little teresa was adopted from china. soon after... the bartlinski family found out that she had a deteriorating heart conditionnand her prognosis wasn't good .. she needed a heart and lung transplannt but that didn't stop them from showing her all the and eeery day s. they're fighting on behalf of funddaiser for her coming up.a (((pat))) ttresa and her parents, ann and ed morning.-tell us about teresa -talk about herrcondition and what opt

lynette, your question is from kathy in missouri.s to find an honest an reliable kred fit credit repair. is there such a thing? >> here's the problem. a lot of these credit repair agencies tout benefits an make promises that they can't possibly keep or they promise you things that frankly a consumer can do for him or herself. idea here is check out a company's better business bureau rating. also maybe look at the credit counseling industry because the federal government does in fact certify credit counseling agencies -- free of charge. they can help you with your credit issues. you might not get credit repair in that sense but can you get some credit education to improve your credit score. bottom line, if it sounds too good to be true, in the end it probably is. david, ming from new york writes this -- his son started college this year. they paid over $10,000 in tuition. what kind of tax benefits can they expect? >> depending on their income a couple options may be available. the most important one is probably the american opportunit

know there has been damage in auburn and now moved across to the north of phoenix city, south of lynette then moving up toward the northeast. this would be moving south of atlanta proper, probably south of peachtree city there is thomaston there lagrange, south of lagrange, this would be bucks county, peachtree city, probably south of there. back up again, take me back and go to the south, guys that will tell you the next storm system that will be moving very close to phoenix city this one here, rotation is right here and phoenix city, right there moving across the river or the lake, depending on where you are here in phoenix city and then back into georgia. all of the storm also tornadoes on the ground, creating damage throughout much of the early afternoon. we don't expect them to slow down any time soon, probably not until after dark, fred. >> my goodness. this is a long haul then, people need to take cover or come one their emergency plans it wasn't long ago you and i were talking about having those emergency kits ready and hopefully, this is -- this is a case in which people were li