because in most cases, it is not dischargeable in bankruptcy. >> that's from the suze orman show, america'smoney class on oprah winfrey's own network. suze, there's someone who has a question on this very issue. that's shelly drury. >> thanks so much for taking my questions, piers. hi, suze, thank you so much for taking my questions and thank you for everything you do for us. our son, johnny, he's heading to college this september, has had a number of scholarship offers from some high-tier colleges, and has a 100% scholarship offer from a lower tier college. my question is, should he take that 100% scholarship offer and give up the other higher-tier colleges in order to avoid any type of student loan? >> that is a brilliant question, isn't it? because that cuts to the absolute heart of america's educational problem, which is thathere's a very bright student being offered a great scholarship at a number of places, but to be in the top tier, to really realize his potential, is going to cost him money that perhaps the family can't afford. pricing him out of the best education that he should be

if it needs repair, i will fix it. >> i want to get suze orman's take on this. she is the number one finance guru. she joins me now. welcome, suze. let's start with mitt romney. that was an extraordinary comment for someone who wants to be president of the united states. i am not concerned about the poor. whatever came afterwards and it sounded bad. >> it sounded bad and very naive. for so long have i not been saying the rich are getting richer a the poor are getting poorer and middle class is disappearing. he is concerned about the middle class. what middle class are we talking about? there about 50 million people in poverty. what does it mean? a family of four making $22,000 a year or less. there is almost 150 million people that are in poverty, near poverty or that close to it. one out of two, one out of three people in the united states of america are edging in poverty isy and he's saying he is not concerned? he should have fought it. he never should have said it, but it's a ridiculous thought. >> doesn't it sum up the problem? it's the sense that people have

suze orman, our labor secretary, the teachers' union head, the pulitzer prize winner, and the colleges and college president. we are glad to have you here for our look at women, children, and poverty in america. >> every community has a martin luther king boulevard. it's the cornerstone we all know. it's not just a street or boulevard, but a place where walmart stands together with your community to make every day trucks making a difference every day -- >> making a difference every day. pbs station from viewers like you. thank you. [applause] >> this conversation would not be possible were it not for the generous support of the american federation of teachers. [applause] i can jump right to this because the link between a lack of quality education and poverty is so well established but is one thing we do not have to debate. even republicans agree there is a lamink. the question is what is a link between poverty and a child ability to learn. >> let me start by saying thank you because we do not ever talk about poverty and not, and the fact you're making this a priority so we shine the l

we called on money expert suze orman for advice. >> the second you get that ticket in your possession, you need to turn it over, and when you turn it over, you will see there's a place to sign it, your social security number, everything. fill it out. once you have won, it's different. now you're in this whole dizzy stage of oh, my god, i have this money. i think everybody should play lottery winner right now. think about what you would do right now if you really did win. would you take it in a lump sum? how would you do it? in case it happens when you're out of your body, you already have those decisions made. think about how are you going to take that money -- yearly or lump sum. and get your professional adviser in place right away. the only benefit for the annual payout is that you learn how to handle large sums of money. the big surprise is the emotional burden that it can create when a lot of money comes into your being. you think it won't be that way, i'm telling you, it very well can be. we always think, oh, if only i had that much money. here's the bottom line. money alone wil

suze orman, host of "the suze orman show" on cnbc is here to explain. welcome back.tax filing deadline is april 17th. >> yes, because the 15th is on a sunday. monday is a holiday. so you have until midnight april 17th. >> a lot of people have probably already filed their taxes and they know that they're getting a refund and they are celebrating. and you say not -- >> what are you doing? average refund is about $3,000 at a time. matt, that's $250 a month. rather than letting the government hold that money for you essentially interest free, don't you think $250 a month, right now, would help you pay down your credit card debt. fund a retirement account for yourself. make it for an emergency fund. why let the government keep it when you could be using it now. >> so the goal is to owe the government money? or break even? how do you figure that out so you hit it right? >> the goal is truthfully to break even. everybody, if you are getting a refund, you should go on to irs.gov under the individual returns. it will show you how to adjust your exemptions on your w-4 or go to

of cnbc's "suze orman show" in for dr. y this morning. welcome to all of you. welcome, suze. are you ready for this, do you think? >> more than ever. i'm coming after you two. >> let's go. let me give you a topic first. we're going to talk about two people going after each other in public, christie brinkley and peter cook. their very public battle spilled onto our airwaves this week when matt interviewed christie brinkley and then the next day i interviewed peter cook. let's play a portion of that and set it up. >> i'm sorry but i just want peace. and every time i have any joy or any kind of success in anything, he has to try to destroy it. >> there was a moment when she cried. >> crocodile tears. >> why do you say that? >> because she's not being bullied. every since the separation, she has been on a campaign to smear me. >> suze, i'll let you have the first crack at this. what do you think? >> ridiculous. it's not like they just got divorced. it's not like they're just going through it. why it is still news this far after

julianne malveaux, economist and president of bennett college; suze orman, a leading authority on personalfinance; hilda solis, 25th u.s. secretary of labor; cecilia firethunder, former president of the oglala sioux tribe; faye wattleton, former national president of planned parenthood; randi weingarten, president of the american federation of teachers; and sheryl wudunn, pulitzer prizewinning writer and co-author of "half the sky." we are glad you joined us. irv it's the cornerstone we all know. it's not just a street or boulevard, but a place where walmart stands together with your community to make every day better. >> aft, making d aifference a de every day. pbs station from viewers like you. thank you. [applause] tavis: i have done these symposiums for years, and this is the first time in my 20-year career i have been blessed to moderate a panel of all women, and i will tell you this is the most difficult symposium my people have helped me produce. trying to get focused on this, trying to get media attention about this. when you put together a panel of experts, i have a few friends an

the guests include suze orman and others. tavis: hi, i'm tavis smiley. join me next time for a conversation with russ feingold on u.s. mistakes in the 10 years since 9-11. bowdothat is next time. we will see you then. >> every community has a martin luther king boulevard. it's the cornerstone we all know. it's not just a street or boulevard, but a place where walmart stands together with your community to make every day better. >> and by contributions to your pbs station from viewers like you. thank you. >> be more. pbs. >> be more. pbs.

i am joined by a terrific panel including nely galan, cecilia firethunder , faye wattleton, suze orman, h, randi weingarten, sheryl wudunn, and julianne malveaux. we are glad you joined us for "made visible." [applause] >> every community has a martin luther king boulevard. it is the cornerstone we all know. it is not just a street or a boulevard, but the place where walmart stands together with your community to make every day better. >> aft, making a difference every day. >> and by contributions to your pbs station from viewers like you. thank you. captioned by the national captioning institute --www.ncicap.org-- [applause] tavis: i am going first to the labor secretary. women and children, as you well know, are falling faster into poverty than any other group of americans. it is also the case that the younger you are in this country -- it is hard for me to get this out -- the more likely you are to be poor. something is wrong with a nation that allows women and children, often the week and the vulnerable, to fall into poverty faster than anybody else. and when to start with you and

guests include the labor secretary, the teacher union head, financial expert suze orman, and others. visit our website at pbs.org. tavis: hi, i'm tavis smiley. join me next time for a conversation with david e. kelley. that is next time. we will see you then. >> every community has a martin luther king boulevard. it's the cornerstone we all know. it's not just a street or boulevard, but a place where walmart stands together with your community to make every day better. >> the california endowment. health happens, in neighborhoods. learn more. >> and by contributions to your pbs station from viewers like you. thank you. >> be more.

labor secretary hilda solis, the teachers' union head randi weingarten, financial expert suze orman, and others. for more information, visit our website at pbs.org. tavis: join me next time for the remarkable story of a d.c. secretary who was chosen as came in a small village in gonghana. >> every city has a martin luther king boulevard. it is a place where walmart stands together with your community to make every day better. >> and by contributions to your pbs station from viewers like you. thank you. >> be

reporter: kim's family tallied up over $20,000 in debt and turned to certified financial planner suze orman. orman's advice for the family, get spending under control. >> you have an income coming in. there's only one way to turn your situation around and that is spend less and/or earn more and spend less. reporter: orman recommends paying two to three times the minimum due on your credit card bills each month. you'll pay down debt faster, pay for things in cash as well and get as much pleasure out of savings as you do spending. and finally, live below your means but within your needs. >> just because you can afford a new car this year, don't buy one. keep the car that you have for 10 years. reporter: orman also adds, don't get hooked by those debt consolidation companies. simple changes around the house can help you kick the spending habit. call your cable company and mobile provider, negotiate a lower bill, set a monthly budget and stick to it. and hold off on big ticket expenses. kim knows it will take years to reach financial freedom and balance for this family is key. >> slush fund or

. >> and this tv personality suze orman's card is trying to change that in a pilot program with transunion. consumer reports says it's uncertain that will be. companies that sell the cards say they're a good alternative for those that don't qualify for a credit card. however, consumer reports says that they should have the same legal protections. and fees should be disclosed so people can compare them. >> this berkeley woman who won last woman's berkeley marathon was a guest on "7 live". >> she ran and won this race just six weeks after giving birth. you saw her newborn named tatum rose, she says she ran 40 miles per week until she gave birth. >> i trained three my pregnancy. and i was a runner before i was preg nachblt i cut back a lot, running easier and slower and i was able to jump right back into it. >> says says it doesn't hurt as much and puts idea of athletes missing games because of a sore toe into perspective. that is a tough young lady. >> she looks fabulous. >> and megamillions is now a record $540 million. >> officials say they're selling as many as a million tickets per hour.

thank you to my guest suze orman, my audience and thanks at home. this has been a fascinating show. . >>> warning signs. were there any for a u.s. soldier accused of killing 16 civilians in afghanistan. >> the bobby that i knew is not bobby that could have done this. >>> santorum says the president is putting pornographiers ahead of children and families. >> they are exposing children to a tremendous amount of harm. >>> justice for trevon. the shooter is still a free man. the family says it was murder. that and more right here right now on cnn. >>> good evening. i'm don lemon. we are going to begin with a developing story that is a turning point for the u.s. led mission in afghanistan and could start bringing our men and women there home much sooner than thought. the tragic story of army staff sergeant bales. his attorney has arrived to prepare for the first meeting with clients. bales is suspected of killing 16 afghanistan civilians. dan, let's start with bales attorney. what is the latest on his arrival? >> reporter: this story has been advancing

thank you to suze orman and my audience and you at home for the contributions in a fascinating show. >>> hello. i'm monita rajpal. here are the headlines at this hour. syria is blaming car bombists for an attack on saturday. today, activists reported three, large explosions and heavy gunfire in and around the capital, damascus. >>> the killing to 15 afghan civilians say there's evidence that more than one shooter was involved in the massacre. they think that robert bales should be tried under afghan law. >>> there's been an outpooring of support for muamba. he suffered a cardiac arrest during a match on saturday. doctors say he will remain under anesthesia for 24 hours. those are the headlines from cnn. i'm monita rajpal. "world business today" starts right now. >>> good morning. from cnn london, i'm nina dos santos. >> and a good afternoon, from cnn hong kong. top stories for monday, march 19th. the head of the imf hails china's economic progress. but also that now is the time to do more. >>> was it cutting debt or risking a recession? >>> and it's a country that's abolished slavery

suze orman is filling in for dr.ck of your local news and weather. 2. >>> good morning to you. 8:56 right now. i'm laura garcia-cannon. a union city high school teacher heading to court this morning answering to charges of sexually assaulting a student. 38-year-old is expected to enter a plea today. police say he had a nine-month relationship with a 16-year-old student at james logan high school starting last march. he is facing 22 counts of sexual assault and is free on bail. >>> approximate with the morning commute, let's check in with mike. >> getting into the city, pretty standard flow to the bay bridge. but in the city, an accident at market and castro, a very congested intersection. possibly involving a pedestrian, maybe a car as well, or at least a bicyclist. avoid that intersection if you can. [ female announcer ] here in california, our schools need help. the largest class size in the nation. 47th out of 50 in per-student funding. but right now, we can make history with a ballot measure to send every k-throu

thank you to suze orman and my audience and you at home for the contributions in a fascinating show. . >>> warning signs. were there any for a u.s. soldier accused of killing 16 civilians in afghanistan. what set him off? >> the bobby i knew is not the bobby that could have done that. >> san sor um on smut. he said the president is putting pornographers ahead of children. >> approximate are on prosecuting the cases, they are exposing children to a tremendous amount of harm. >> justice and an unarmed teen. gunned down in florida weeks ago. the shooter is still a free man. the family said it was murder. that and more right here, right now on cnn. >>> good evening. i'm don lemon and thank you for joining us. we are going to begin with a developing story that is a turning point for the u.s.-led mission in afghanistan and could starlt bringing the men and women there home much sooner than we thought. in a matter of weeks or days. the tragic story of army staff sergeant robert bales played out last weekend, but tonight he is on u.s. soil. his attorney arrived in kansas to prepare for his f

suze orman is filling in for dr.ck of your local news and weather. >> live, local, latebreaking. this is wbal-tv 11 news today in baltimore. >> good morning. i am mindy basara. jury selection in the retrial of two but is accused of setting a pit bull on fire is set this morning. an unusually large pool of potential jurors was called in. >> the cold front that generated the thunder shower activity has moved south. cooler today. 60 to 654 the high. if you pressed a bit stronger.

each year we like to turn to suze orman for some financial do's and don't's.year there's a little something for everyone. >> all right, everybody. listen up. i'm going to be giving you three pieces of advice that you should know for three stages of your life. let's start with student. here you are. you're about to go to school. you need a scholarship to pay for your schooling. do you know that many scholarship companies now are going on twitter, going on your facebook. they're seeing what have you written? what have you shown? about yourself? because if any of that is risk aor off color you just may be denied for a scholarship because of what is on social media. so you have to really be careful. now you're a little l little bit older. you've gotten married or you're older and you've had a child. you're a single parent. you decide to be responsible so you will get a term life insurance policy and leave your child as the beneficiary of that policy. don't you know that minors cannot inherit money. so if you die, a especially single mommys out there, if you die an