the things we should be looking at for saving money other than overhead when overhead is already lean sf>> i'll start with you on this wrun. you've been in business for a long time, through ups and downs. where are place toss save money? >> we opened in 1982. so it was middle of the recession then, 18% interest rates i think is what we paid when we opened. it's not really a new thing for us. where do you save money? everybody looks at the same things. you just go through everything that you're doing and look for inefficiencies and ways to make money. i think the biggest thing to me is that people don't do -- we're open book finance. that means the staff are all involved in running the numbers. and really a lot of the best ideas and the decisions are involving them. and i think there's a tendency for people in leadership roles to retreat to the back office and figure out the right answer when there isn't one and impose it from outside. >> you think that's the answer right there. >> we've had the staff come up with ideas that save thousands of dollars they know about it. if nobody is askin

tell me how i can be of sfs to you, jared? >> caller: i sold my house two years ago. sold the house upside-down. i was requested to short sell, but they didn't short-sell it to me. it was about $25,000 upside-down. they said, we're not going to short-sell it to you. but we will finance the money to you. i'm trying to negotiate myself because it's a nonsecured amount of money. i'm trying to negotiate a cash settlement with them. and it's $24,000 now, i've offered them an $8,000 cash settlement. and they came back and said, we'll knock off 25%, so we'll take an $18,000 settlement. i'm not too terribly satisfied with that. >> it's a horse-trading mode you're in. that thur looking to get monthny payments that they may or may not ever get for years down the road. or they can get a certain amount of cash up front. so they, you made an offer to pay 33 cents on the dollar. they came back and said they want 75 cents on the dollar. now you should come back with another counter. >> my question, when i talked to her, she didn't really sound like there was any room for a counter-o

that's not going to happen to you, sf? >> it's a big stat, and it looms. it's weird. i made more money than i ever thought i would make in this game. it looms in your head. and wait a minute, when i made $1 million i thought i'd be set for life and you look in your bank account and there's a lot less there than you think. that's why we have people out there to ask questions to. >> do you have some for me? >> obviously at 31, you never know what's going to happen next year. so i'm not guaranteed a job next year. we have enough money to pay off our house, but we don't know whether to pay it off and have no house payment the rest of our lives, basically, obviously property taxes, or to stay liquid. so a combination there of and just get a very manageable mortgage payment. >> well, the key is, what are you paying right now as an interest rate? because that really makes the decision. >> high sixes. >> high sixes? pay it off. pay it off. pay it off. >> that's what we planned on doing. >> see, if you told me you were sitting at a 4.5, 4.75, you would be in the cat bird seat,

what will happen if we fall for any of them sf you're watching msnbc sunday. respect if

we don't need to worry about our deposits for a very good reason, right sf. >> that's right, richard.ecause of the fdic insurance, but i know when you hear a headline like that, it's a little unnerving when you hear about it. the fdic ha handling these smoothly. they do them over the weekend because they can transfer if your money is in one of the failing bank, they transfer is it to a different bank so krur checks and atm cards work smoothly the whole time. you shouldn't have a problem. more than 100 bank failures here and the number is still climbing. it tells us that the financial crisis is really not yet over, and as long as that's going on, it's going to have prepurr cushions in the economy. the good news is as we get through these, hopefully we'll come to an end, three were in florida, one each in georgia, wisconsin, illinois on friday. why are they failing? because we have all of these bad loans out there, whether they're bad mortgages, bad car loans or in many cases commercial real estate loans. that's what we're still getting through. >>> if you're a parent you can get your m

do you agree sf. >> absolutely.y are going to look for evidence of any strangers who were in the car and not supposed to drive the car and evidence of blood and look for any kind of damage to the inside of the car which may point out to a struggle. they look at this carefully whether they find something that is another question. >> there is just a plethora of stings from inside the vehicle. if i was the tech who was working that scene, i would be vacuuming it with a special vacuum to find anything they could. this police report, they said that the cause of the accident was battery and criminal damage. we will hear more of what happened to her. tonight, let's stop to remember army sergeant titus reynolds, 23 of columbus, ohio. killed afghanistan. a talented musician who played electric guitar and loved god and his country and video games. was a month away from celebrating his first anniversary with his wife. leaves behind grieving parents, two brothers and sisters. titus reynolds, an american hero. our biggest thanks

sanjay gupta, sf stopped by conan ebrian's set. >> do you think it's possible someone could sustain a life-threatening wound and you could use hydrogen sulfide to put a pause on everything? >> it's like hitting the pause. the scenario painted for me, someone takes a mortal wound in a war zone. medics run over, determine they don't have enough time to do something for him. they just don't have it. instead of trying to stop the bleeding, they inject this substance and the person completely suspends. they turn gray, their heart and breathing stops, they get the person on chopper when they can, fly them to a hospital, get the entire team ready to go and then they reanimate him and go to work. >> it sounds like science fiction, but this is something that's going to be reality. >> how long before people in beverly hills start to use this to slow down their aging? >> you're going to get actors -- >> get my career going. just get a few years. you can save my looks until i get that sitcom. >>> if you think restaurants go out of their way to treat preferred customers, you should see how they ca

but first, the top story this morning -- sf a newborn baby found kidnapped in tennessee was found safe in alabama last night. the woman is accused of taking the week old boy and stabbing his mother. the arrangements are being made to reunite the baby with his mother. there's the picture. he was taken from his family's home on tuesday, four days after he was born. authorities don't have a motive for the kidnapping. >>> the man who reportedly tried to extort money from david letterman has pleaded not guilty. robert joe halderman had a court hearing in new york yesterday. he's facing larceny charges that could land him in jail for up to 15 years. after the hearing, halderman was released on $200,000 bail. he reportedly demanded $2 million to keep quiet about letterman's affairs with co-workers. letterman admitted on thursday to having sex with female staffers. he didn't violate the company's harassment policy. >>> who is this man? he's not the kind of man who would blackmail people. susan candiotti dug deeper and found out about it. >> reporter: veteran news producer robert joe halderman

. >> do you get death threat sfs. >> yes. >> how do you hand that will? that's a little scary. >> i just -- i kind of just laugh at all of it. >> you do? >> that's probably why i'm not a security expertment i'm not a homeland security person. i would say laugh at the jihadists. they're a riot. >> i have two names for you. one name for you. sal man rushdie. >> i had tips from him. how to deal with a fatwa. i was a hollywood fatwa on hi head at all times. most by barbara walters. >> let's leave her out of the conversation. the's other people. regis, for example. you haven't been invited back. >> you called -- that's in my book. did you know you're in my book? >> i skipped that section. >> you have to look. my book has an index to look yourself up and you can see what page you're on there by having to not read the whole book at all. >> what did you do for you or against you? >> i was on "the view" one time and you said to me out of the blue, have you been on regis lately? >> i said, no. you said, you mean because you said on regis live that gelman regis' [ b

is there anything wrong with his record being cleaned up sf. >> it feels icky because of the heinous comments he made about jews and women and we want to believe there is no way anybody in 2009 can walk free and not have them hanging over their head. the fact is that those factors don't play into it. he did his time and he lived by the rules of his sentence and it's over. he is eligible like anyone else in the state of california to get it wiped off his record. i know that judge. i have been in his courtroom many times and he doesn't necessarily play favorites. fair is fair. it's not going to matter anyway. people won't forget what he said. >> for may be wiped from the record, but what he did clearly not wipe friday our memory. watch what joy behar said on her show about the judge clearing gibson's conviction. take a look. >> let me say this. you can run, but you can't hide. you are famous and not necessarily for being a movie star. more people saw your mug shot than the last three movies combined. i understand you want a do-over. i wish i had never eaten the ka noelies, but i can't

from the jacksonville sheriff's office recruiting academy to do an arm's length search through some sfere. there's a lot going on here. >> this is orange park, florida, we're talking about. somer thompson was last seen wearing a cranberry colored jumpsuit with pink striped sleeves. so this is the number we want to get to you if you know anything, if you've seen anything. it is 877-227-6911. and we will revisit the story in a few minutes. >>> virginia state police are asking for the public's help in locating a virginia tech student. morgan harrington. she hasn't been seen since she and her friends went to a metallica concert saturday night at the university of virginia where morgan somehow got separated from the group. >> details of the investigation are very limited. we have very limited information to work with. there have been interviews conducted of her friends. obviously of her family. she is a student at virginia tech. she is a junior, majoring in education. she went to james madison university went to john paul jones arena with friends for the concert and that was the last that w