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kohl's is coming out with national banks like vera wang brands consumers actually want. traffic is up and they're spending more at these types of places because they're finally just doing better on the execution side of things. yes, consumers have more in their 401(k)s, home values are up so it's up to the retailer -- gerri: people in the store. amen to that. okay, pew survey out there 55% of american families are just breaking even. that's the story on their budgets. john, are you surprised by this? >> i i am not surprised. quite frankly we've talked about bubbles all the time. this terrifies me perhaps more than anything. most consumers simply don't make enough so they're able to not necessarily just tread water, but actually get ahead. this is scary because what happens if you have you have a deficit earning family, a divorce, a reduction in work hours and all of a sudden you cannot make your obligations every single month? you start going to the sharks, the payday lenders, and your going to start -- you're going to start borrowing off the credit card. most people do

the vera wang love collection...days. without drastic measures. stunningly youthful. award-winning skin. from the world's #1. olay, your best beautiful >>> nbc 10 news starts now. >> good morning. i'm vai sikahema. it is 10:26. our first look forecast with meteorologist bill henley. >> we're experiencing a warmup. we're up to 15 degrees in philadelphia. unfortunately, the wind is still blowing. look at the camera shaking and the flags atop boathouse row in the city. 15 degrees with the wind factored in. feels like 2 degrees below zeerro. very cold blustery day. we'll see sunshine all day long but the gusty winds keeps temperatures in the low teens and 20s. >> we have breaking news this morning out of berks county. state police tell us an officer shot and killed someone. they say the man resisted arrest before the trooper opened fire. we have a crew on the way to the scene. we'll bring you new information as soon as it becomes available to us. >>> the extreme cold made it tough for firefighters to get the upper hand o

the vera wang love collection.... stunningly youthful. award-winning skin. from the world's #1. olay, your best beautiful >>> good morning. 10:26. i'm kris sanchez. happening right now, president obama is on his way to an event at stanford university this morning. he's the keynote speaker at a summit on cybersecurity. president obama is expected to sign an executive order at that summit and then he will return to san francisco for a fund-raiser tonight. >> and a developing story in hayward where police are investigating what appears to be a robbery gone wrong. this happened in front of life chiropractic west college. an industrial and depot in hayward. police officers early this morning found a body near a u-haul truck that had been smashed into the building's glass doors and they believe the truck was part of a burglary attempt and the victim may have been involved. >> now we have a look at weather coming up after the break. life's the food that brings us together. and kitchens where every meal is the most important