nonincumbent republican to do so. that's the big headline. of course we looked at jon huntsman. he came in third. ron paul in second. we'll look at what it all means. >> and do you know how you go into a store and if you get one of the credit cards you get a discount? >> right. >> it may not be a great idea. it could end up hurting your credit score. we'll tell you why and also have advice if you're trying to refinance coming up on today's money 911. >> in today's health, people are looking for ways to save and we have important tips to help you save on medical care without sacrificing your health. >> all right. don't you love tamron's coat? >> lovely. >> beautiful. it is. very pretty. >> great color. >> a lot better than the one last week. >> i knew you were going to. >> boom! >> i gave them the opportunity. what did they do? oh, the boys. >> you set them up, ann. good morning, everyone. it's off to south carolina for the republican presidential hopefuls with mitt romney leading the pack after sweeping the new hampshire primaries with a double digit lead. ron paul was second. jon huntsman third. after a surprise surge in iowa senator rick santorum took a hit, tied for next to last with newt gingrich. an arrest overnight in connection with brutal murders of a florida doctor and his wife. kerry sanders is in tampa now with details. good morning, kerry. >> reporter: good morning. i'm outside the exclusive avila neighborhood. detectives here say it was an inside job. the sheriff here says dr. hector rivera, 75, and his 55-year-old wife debra were allegedly murdered by her personal assist is -- assistant. why? greed. investigators were puzzled. who could have gone over the eight foot walls unnoticed and penetrated the around the clock security in avila. now they say it was an inside job. dr. hector rivera and his wife were allegedly murdered by her personal assistant. 31-year-old julian ospina flores is charged in the murders. the motive? investigators say it was all about money. debra rivera ran a part-time jewelry business and it is believed flores targeted them after he drove her home from a recent jewelry buying trip. investigators say ospina flores tried to cover up the alleged role, dialling 911 himself and claiming he, too, had been a victim. >> during an interview with the defendant he stated he was attacked by an unknown male inside the residence and that he had been bound and forced into a bathroom. no signs of forced entry were ever noticed within the residence or the vehicles at the scene. >> reporter: deputies called to the scene found dr. hector rivera dead in the driveway. they believe he was at a neighbor's home watching the college championship game when he stopped home to see his wife and happened upon the jewelry heist. dr. rivera was shot repeatedly. his wife debra also shot several times was found dead in the bathroom in their 11,000 square foot home. >> there was no question his intent was to make sure nobody survived the attack. >> reporter: avila is home to the one percenters, current and former residents include baseball superstars derek jeter, fred mcgrif, former baseball player and manager lou pinella, tony dungy and john grudin. a neighborhood, despite its exclusivity, transformed to a crime scene where friends are at a loss to make sense of the brutality. >> my heart went to my stomach. i was in disbelief. we had one of the fund-raisers at avila and security to do that was intense. i mean, we had to have the names and information about every person coming in to it. i can't fathom. i'm still in shock over it. >> reporter: deputies say there were several calls to 911, including one from the suspect who they say was trying to act like he, too, was a victim. ospina flores is expected in court later today. >> kerry sanders, thank you. the 30-year-old mystery of natalie wood's death isn't getting clearer. despite a recent surge of detective work on the case authorities have not uncovered new evidence that the hollywood star's death was a homicide. the case however is not closed. wood died in 1981 at the age of 43 when she drowned off catalina island. she was on her yacht with her husband robert wag ner and fried christopher walken. police divers will search a river for the remains of ayla reynolds who was reported missing nearly a month ago. the father said he's hopeful his 20-month-old daughter is still alive. ayla's mother who was in substance abuse rehab at the time said she isn't getting the whole truth about what happened the night ayla disappeared. >> reporter: the makers of tw g twinkies and wonder bread has filed bankruptcy to deal with high labor costs. if you're not a morning person this machine featured in a youtube video may be just what you need if you have time on your hands, a conveniently placed hire dryer and a hamster. a sip of coffee triggers a chain reaction that helps you read the paper when you're too tired to turn the page. a lot of effort to turn the page. al roker, unbelievable what people come up with. right? >> i've got to get me one of those. >> it's called an ipad. a little hand move. >> let's check your weather. for today we have two areas. low pressure coming out of the southeast. a lot of rain. it will bring from one to three inches of rain through the southeast. we have another low pressure system making its way across the great lakes. that will be bringing snow and kicking off lake-effect snow. we are looking from peoria to milwaukee, from six to nine inches of snow. chicago, three to five inches. normally not a big deal but in a winter where we have not seen much in the heavier snow areas, >> good morning. clouds are building in. most of the rain holding off until the afternoon. temperatures are looking ♪ money makes the world go round ♪ >> time for today's money 911. that's where we answer some of your biggest financial questions. we have our crack panel of experts standing by. jean chatzky, author of money 911. david bachma, author of "debt fe for life" and sharon epperson. here we go. let's hit the phones. we have john from idaho on the line. good morning. >> caller: good morning. how are you? >> doing great. what's your question? >> caller: i'm well. my question is over the holidays every store i walked into offered 20% to 30% if you got your card, applied your purchase to the credit card. luckily i was able to pay the cards off so i'm not getting interest but what do i do with the cards? do i keep them? cancel them? should i have not gotten hem? >> you should not have gotten them at all. >> how come? >> because when you apply for credit you're basically saying to the credit bureaus that you need credit and that can take your credit score down. the inquiries into your file aren't a good thing. you have two and that's a double whammy. now that you have them, cancelling them will hurt your credit score more. hold onto them. don't use them. eventually if they take up too much space in the wallet, cancel them at a rate of one every six to 12 months. but don't do it before you plan to apply for a car loan or mortgage. don't get any more cards! >> thank you, jon. now to skype to check in with valerie from wisconsin. good morning, valerie. >> hi. >> what's your question? >> i'm a full-time college student planning on graduating this spring. i would like to go to grad school, but over last summer i had to have knee surgery and the bills keep rolling in. some of the programs i have looked into don't want me to work much. how can i pay off medical debt, go to grad school and save money without hurting myself financially? >> first of all, you sound like you're in a hole. let me pull you back up. good news for you, you have two jobs. you're working and in this world working is a good thing. don't give your jobs up. cash is king. we don't notice it until it's gone. keep the jobs. as far as grad school, go to gradschool.com. there are a ton of schools you can go to that won't require you to give up your jobs. many you can go in the evening. you can take classes online. i have a lot of friends getting master's degrees and mbas and half of it's online. and you don't have a lot of debt. you don't have credit card debt. you have a small amount of medical debt. see if you can get the interest waived and work out a payment plan over a year or two. then keep saving money for grad school. don't give up the day job. >> all right, valerie. thank you. back to the phones. we have erica from bloomington, illinois. good morning. >> caller: good morning. >> your question? >> caller: well, i'm 23 and i'm working at a company with a competitive 401(k) program. i'm going to end my career in five to ten years to stay home as a mom. i still want to save for retirement. should i use my 401(k) or go with something outside of work like an ira? >> i have an idea what sharon will say. >> erica, first of all, congratulations on saving for retirement now at 23. you have 40 years of growth ahead of you. you are well ahead of many americans trying to figure out if they can ever stop working. congratulations on that. you have a great 401(k) program. keep prohibiting at least up to the company match. then do something extra. your i.r.a. a idea is a great one. do a roth i.r.a. why? you're 23. it's likely you will be in a higher tax bracket when you retire. the great thing with a roth is you take out the money tax-free over 59 and a half. and then the contributions, you can take out tax-free at a any time. while this is your retirement account, if something happens when you're staying home and you need the money, you can access it. two ways to save. >> thank you, erica. we have dave in ohio. good morning. >> caller: good morning. >> what's your question? >> caller: yeah. i have a negative equity loan. my current lender which owns the loan won't do any refinancing with me. other lenders wouldn't refinance me unless i was financed through fannie mae or freddie mac. then they would give me up to 120% of my home value. the other offers were a.r.m.s and i don't want to do that. what can i do to get refinanced? >> i don't think that a.r.m. is such a bad idea, particularly if it's a 5-1 or 7-1 arm. you want a period of time to really pay down the debt to get yourself in the positive so then you can refinance at a better rate. so look at what they are offering you in terms of an a.r.m. go from there and good luck with that. >> rates are lower than ever. >> good luck, dave. thanks for calling in. jean, dave and sharon, thanks for being here. >> good to be here. up next, saving big next time you go to the doctor without sacrificing quality health care. later on, hiding your flaws while highlighting your best features with expert makeup tips. i don't think she has any flaw. first, these messages. capital one's new cash rewards card gives you a 50 percent annual bonus. so you earn 50 percent more cash. if you're not satisfied with 50% more cash, send it back! i'll be right here, waiting for it. who wouldn't want more cash? 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call 1-800-hrblock to make an appointment. h&r block. never settle for less. this morning on today's health, getting the most bang for your buck. many americans take advantage of spending accounts and free health screenings in their community or workplace, but there are other ways to save you money on health care. here with tips is dr. kerri peterson from women's health magazine. good to have you here. >> good morning, natalie. >> health care is expensive even with insurance. there are ways to save, other things you can do. >> there are plenty of things you can do. the average american family of four spends $19 i,000 on health care including insurance premiums. anything to shave off dollars helps. we have great tips. >> first, ask for a discount. a lot of people don't think they can bargain with doctors. can you negotiate? >> you absolutely can. this applies more to people paying out of pocket who have lost their health care insurance. just speak to the account manager. explain your situation and often times they will give you a discount if you explain, i have lost my job. or if you pay cash up front they will be likely to give you a discount. >> good to know. another one people may not know about. you say to consider pill splitting. >> yes. >> this means when the doctor gives you a prescription you ask them to give you double the doseage and then cut it in half. >> exactly right. that can save you 50% on medication costs. the amount manufacturers charge is the same amount for a 40 milligram pill as a 20 milligram pill. if you take 20 milligrams, ask for a 40 and cut it in half. ask if the prescription you take is eligible to be cut. extended release medications can't be cut in half. >> doesn't work for everything. don't mess with medication in that sense. >> yes. >> next, ask for a generic prescription. a lot of people -- there are a lot of generics on the market. what about for the drugs that are specific, don't have generics yet. what can you do? >> first, ask your doctor to check if it comes generic. i had a patient paying $100 for a brand and $10 a month for a generic. >> huge savings. >> if it wasn't come generic ask your insurance company if there is another drug within the same class that's less expensive. often times insurance companies create some sort of arrangement with the drug manufacturer to get lower costs for one specific drug. >> speaking of pharmacies and specific drug companies, there are both chain farm sis, independent pharmacies as well. you say it's important to shop at preferred pharmacies. what do you mean? >> i wasn't aware of this until recently. local pharmacies and even mom and pop pharmacies can e enroll in a program that the insurance companies offer that allows them to give deep discounts on medications. you may be going to a pharmacy not knowing a block away is a preferred pharmacy. ask your insurance provider which pharmacies in my neighborhood are part of the program. you can get cost savings as well. >> another way to save on prescriptions. you say use mail order service so there are a lot of mail order services out there now. >> there are. most insurance company wills provide a mail order prescription service. you get a 90-day supply for one copay. that saves you money and it's convenient. saves time as well rather than going to a pharmacy every month for your 30-day refill. >> you get your prescription right away? >> there could be a lag time of a week or two. if you need to start taking your medication right away, ask for two prescriptions -- one for a local pharmacy for a month and one for the three-month supply with refills to cover you. >> this is a smart way to save money. carefully read your medical bills. a lot of people don't realize there are mistakes made. >> right. people take it for granted. experts have estimated that eight of ten medical bills may have an error. at women's health we recommend, ask for a copy of the bill, check for accuracy and when you get the explanation of benefits by your insurance plan that will tell you what they reimburse. check it as well. you never know. >> that will help you keep track of medical expenses which is your last tip. what are other easy ways to make sure you're on track? >> keep track of medical expenses. some are tax deductible which many people aren't aware of. a lot of eligible things are contact lenses, hearing aids, eyeglasses. if you are not a good organizer, i like mint.com. it keeps track of your expenses and categorizes them at the end of the year so you have a spreadsheet for your accountant to see if they are eligible for deductions. >> one of jean chatzky's favorites as well. thank you. coming up, what should and shouldn't be allowed on tv. the supreme court takes on i indecency. first, these messages. 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[ male announcer ] for every 2 pounds you lose through diet and exercise alli can help you lose one more by blocking some of the fat you eat. simple. effective. advantage: mom. let's fight fat with alli ♪ hi! i brought champagne. wow! the best in the world. ...some chocolates swiss! ah...the best in the world. oikos greek yogurt from dannon. really? wait until you try it. so creamy thick and fresh tasting dannon oikos berry flavors beat chobani 2:1 in a national taste test. mmmm... this may be the best in the world. oikos greek yogurt possibly the best yogurt in the world. >> live, local, latebreaking. this is a wbal-tv 11 news that it. >> we are keeping an eye on the storm to our south and west. clouds increasing. then the rain will come. rain will develop especially after 1:00 p.m. to could be heavy at times. temperatures in the mid-forties. as the rate moves in, temperatures will hold steady she's so hilarious, so earthy. >> i am who i am. >> maybe five procedures ago. >> ooh! two snaps! >> dolly parton and queen latifah go at it in their new movie "joyful noise." oh, my goodness. this is getting rough. they didn't look joyful here. the superstars will be here to tell us about the film and we'll get a live performance from them tomorrow. >> dolly! go, queen latifah! >> meanwhile coming up, switching gears, talking about the debate over decency, whether it's partial nudity in primetime or four-letter words on reality shows are broadcasters crossing the line? we'll take a look. >> in today's beauty from gray hair to dark circles, we have tricks of the trade from a makeup expert to detract from your least favorite features and put your best face forward. i want to know about the dark circles. >> we all have them on the morning show. >> and we have a match made in dinner heaven, cider-braised pork shoulder and apple salad. what's better for a cold winter night? >> does that remove dark circles? >> who cares? >> al has a check of the forecast. >> let's check it out. for today we are looking at plenty of sunshine in the east. rain moves in later this evening into the mid-atlantic states. heavy rain as we get further south. sunny in the pacific northwest. showers and thunderstorms down through florida. tomorrow, windy in the northeast with lake-effect snow. sunny and cold in the pacific northwest. frigid in the plains. chilly down to texas. partly cloudy and mild in florida. >> increasing clouds today as a storm system is on the way. rain could be heavy at times. temperatures will hold in the mid 40' and that's your latest weather. >> al, thank you. coming up, what are your kids watching? the debate over decency in television, right after this. 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[ female announcer ] only from aveeno. i love the fact that quicken loans provides va loans. quicken loans understood all the details and guided me through every step of the process. i know wherever the military sends me, i can depend on quicken loans. i know wherever the military sends me, when bp made a commitment to the gulf, we knew it would take time, but we were determined to see it through. today, while our work continues, i want to update you on the progress: bp has set aside 20 billion dollars to fund economic and environmental recovery. we're paying for all spill- related clean-up costs. and we've established a 500 million dollar fund so independent scientists can study the gulf's wildlife and environment for ten years. thousands of environmental samples from across the gulf have been analyzed by independent labs under the direction of the us coast guard. i'm glad to report all beaches and waters are open for everyone to enjoy. and the economy is showing progress with many areas on the gulf coast having their best tourism seasons in years. i was born here, i'm still here and so is bp. we're committed to the gulf for everyone who loves it, and everyone who calls it home. [ male announcer ] what if we could keep enough plastic waste to cover all of manhattan out of landfills each year? the equivalent of 140 million trash bags, gone. by using new glad trash bags, designed with reinforcing bands to be stronger with less plastic waste, we can. ♪ it's a small change that can make a big difference. ♪ you can always do something better for yourself. and better is so easy with benefiber. the fiber that's taste-free and grit-free... so you can feel free to add it to anything. and feel better about doing it. better it with benefiber. and feel better about doing it. fresher less processed foods introducing freshpet recipes so fresh the only preservative we use is the fridge freshpet fresh food for fido back now with the debate over decency being taken up by the u.s. supreme court. the major networks including nbc are challenging the s.e.c.'s policy of hitting them with big fines for broadcasting bad language and nudity. nbc's justice correspondent pete williams has more on this. good morning. >> reporter: natalie, good morning to you. this may be surprising but most of the television programs that come into american homes are un regulated including what's on the cable networks and the internet. but the fcc does police what's shown by traditional broadcasters and they claim the rule no longer makes sense. when abc stations briefly showed parts of a nude woman in a 2003 episode of the police drama "nypd blue" the fcc slapped them and the network with a huge fine. the government started punishing broadcasters for letting even a single four-letter word slip by during live shows. >> it was really, really [ bleep ] brilliant. really, really great. [ laughter ] >> reporter: it's been more aggressive in patrolling for the fleeting expletives like this one from cher. >> i have had critics in the last 40 years saying i was on my way out every year. right. so [ bleep ] you. >> reporter: from another awards show nicole richie. >> have you ever tried to get cat [ bleep ] out of a prada purse? it's not so [ bleep ] simple. >> reporter: cbs and the government are still fighting over a fine after the janet jackson wardrobe malfunction at the 2004 super bowl. the government and its defenders say the indecency rules are justified because broadcast tv reaches so many homes that are so easy for children to watch. >> people believe network television should be cleaner than cable and they make choices in that regard. >> reporter: but the networks including nbc say those assumptions about broadcasting's unique reach are no longer true with such an explosion of other choices. they say treating them differently violates their rights of free expression. >> the time has come to treat broadcast tv on an equal footing with the rest of media. the same first amendment rights out to apply. >> reporter: some members of the supreme court seem sympathetic, the networks can't tell what's indecent and what isn't. ruth bader ginsburg noted the fcc allowed the broadcasts of "saving private ryan" and "schindler's list," both which include nudity and profanity. judging from tuesday's argument here the court doesn't seem likely to stop the fcc's policing of broadcasters, but it may require clearer rules from now on about what's allowed into the home. natalie? >> pete, are you wearing pants? >> reporter: two pair! >> i was going to ask you, pete. >> he hn't hasn't answered. >> up next, how do you transition from that? the art of distraction. makeup tips to hide your flaws. right after this. 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>> we want to distract but also own it. like, that's right, girl, i'm going to show you how to work it. >> what do we do? >> make sure you line your eyes. we took a great black eye liner on the upper lash line. we opened up the eyes by taking a plum on the bottom. >> under the liner? >> exactly. that opens up the eyes and gives you a little bit of color to distract. also, too, if you find your lashes are really hitting your glasses because they are long focus on the bottom lashes. use a great mascara to open up the bottom, two coats. here's the great thing -- >> you won't look like you have spider eyes? >> absolutely not. here's another secret. a little bit of highlighter is a great friend. that's going to not only open up the entire eye area, it will lift the face, make the glasses the widest part and really slim down. >> side by side. before and after real quick again? well, i guess not. >> no, we're not. look how beautiful she is! hooray! >> covering up gray hair. this is cindy. i don't see gray hair. >> well, she's got a little gray hair right up here in the front. a little bit of gray hair right there. but, again, this is about giving you great face so you don't notice all the gray going on. >> what do we do? >> the number one secret is blush. that's my number one secret to looking ten years younger. a great pop of blush on the apples of the cheeks lifts the face, makes you look fresher. another thing is transluscent powder is the enemy. it makes you look dry, ashy and brings out the gray. use something like my face defender which is the first ever in the world clear powder. it sets your makeup but you don't get the ashy transluscent powder. >> i love that you are focused on the face. i thought you would have something for the hair. >> no, baby. it's all about the beautiful face. >> moving on. we have joyce with braces. >> she's working the braces, honey. this is my thing. yes, we're going to distract by showing you a great-looking eye. truthfully, if you have braces, honey, own it. >> you do because you're probably still paying for them. what do you do? >> number one, it's all about the eyes, lashes. do a soft smoky eye to really make the eye pop. make it about the upper eye area. another great secret is if you are going to have braces, own it. go for a great pop of color on the lips. big glossy lips. make sure you use a great lip oba balm. >> exfoliate so the color pops the right way. >> great color and look how gorgeous she is. >> do you avoid bright colors? >> no. as a matter of fact, we actually added a bright color here. again, it really owns it. you really show how beautiful you are and that you're not afraid to say, i've got tom braces. this is what i'm doing. look how gorgeous you are. >> last but not least, dark circles. a lot of people relate. this is alia. you see a little bit. what causes this, mally? >> it could be lack of hydration, lack of sleep, heredity. there are lots of reasons for dark undereye circles. it's all about the power of distraction. use a great concealer. obviously that's the way to go. not only do you want to put it under the eyes, make sure you get right in here, the little dark caves that everybody has. also another quick secret, the outer corners of the eyes where we tend to get dark, make sure you put concealer there and one final trick, again, about highlighting. highlighting is about bringing luminosity to the eye area. put it over the lid around the corner. hit the cheekbones. again that's going to brighten up your eye area. dark circles, be gone! >> i love that you just didn't focus on the undereye. you highlighted all around. >> highlight, lift and all of the sudden you got eight hours of sleep. >> ladies, you look amazing. mally, thank you so much. up next, a warm winter pairing -- braised pork and apples in today's kitchen. first, this is "today" on nbc. this morning in today's kitchen, what's for dinner? how about a warm winter meal for a cold january night? the chef from erickson lodge in park city, utah, is here to help us learn to make a braised pork shoulder. this is a dish you used to make in the kitchen for everybody? >> kind of a fun family meal. modified it. we're starting with great meat, pork shoulder, pork butt. you will see it in the store as a picnic roast. >> pretty economical. >> great price point and fun and easy to do. >> it comes with a fair amount of fat. >> we cleaned off a little bit of that. garlic salt, kosher salt, black pepper and nutmeg. >> so a rub? >> a little bit of a rub. so easy to do. >> just mix it together. >> give it a mix and -- put a little on. i'll rub your butt there. [ laughter ] >> sorry about that. just the roast. >> wow. you went there quickly. spimt . >> it's early. >> normally it's me doing that. i like it. we rubbed the cut of meat. >> shoulder. >> you could have gone shoulder but "butt" was funnier. >> we're going to put it in a hot pan to sear on both sides. you have a little bit of flavor. >> apples, carrots and onions. really easy. >> right. once we have seared all the sides we'll saute it for a couple of minutes, add a few bay leaves and a little worcestershire sauce. >> you watch the three stooges? i could never say it. >> we'll let it cook a few minutes. then the grand finale with a bit of cider. about five, six cups of cider and it's great this time of year. we'll give it a cover. if you don't have one of the big cast irons you can go ahead and use one of the slow cookers, the crock pot. >> it goes into the oven? >> about 260, 270 for four or five hours. it's going to come out in four, four and a half hours as a beautiful, beautiful roast. >> gorgeous: what's going on here? >> we have the liquids. we strained that and we'll thicken it with a little bit of slurry. >> what's that? >> corn starch. a little bit of cold water. if you will grab the whisk. >> right. >> you have to be at a boil to make this corn starch work. we'll add a little bit of that to make our gravy, our dipping, if you will. we end up with cider gravy which is just brilliant. >> oh, look at that. we have a little side to go with it. >> you have to go healthy. so to go with your pork you have to have a healthy component. we have arugula. add a pinch of salt and pepper. i like to season our greens as we go. seasonal squash. this is just butternut and acorn. >> already cooked? >> a light blanching. any squash you find in the market. our ale les, we diced. add a little bit of sprite to keep them from turning brown. if you want to throw it in. >> okay. >> then we have the cranberry vinaigrette we made and the pumpkin seeds. we did a quick toasting on the pumpkin seeds. this is the healthy part of the salad. you can do just the salad. this is great just as a side dish for just about anything. >> and the colors -- >> oh, wow. >> wow. >> we finish up with the squash and cider-braised pork. >> very nice. >> not bad. coming off a rough day skiing, put it in before you go on the slopes and -- >> a little apres-ski. that's the life. >> that was great. any time you want to talk butt, we're ready. >> i'm here. >> being indecent again, al. >> he started it. >> it was me.