all eyes are on hurricane bill as the storm gains strength overnight and becomes a category 2. we'll tell you where it's headeded and when it may hit land. with flu season looming and kids heading back to school, the government announces it won't have enough h1n1 vaccine for all at risk people. >> we're in a race between the vaccine and the virus. and this gives the virus a little bit more of an advantage. >> we'll speak with the head of the government's vaccine program. a notorious hacker is busted for allegedly trying to steal 130 million credit and debit card accounts all while in jail. we'll bring you the latest and tell you how to know if yours was one of them. and a big problem for the giant panda. why the cute and cuddly animal may be teetering on the verge of extinction. "early" this tuesday morning, august 18th, 2009. captioning funded by cbs good morning. welcome to "the early show." that is a beautiful shot of the sunrise overlooking the island of manhattan. i'm julie chen in los angeles. maggie rodriguez and jeff glor are in new york. harry smith is off. good morning, guys. >> hey, julie. good morning to you. story we're talking about here this morning, this american who was arrested for stealing 130 million debit and credit cards. calls for concern for anybody out there really with a credit card. we'll tell you more about him. he used to work as an informant for the secret service, which makes it even more concerning. also this morning coming up in kwlt healthwatch" a reason to pay more attention if you're not getting a good night's sleep. you could have sleep apnea and not even know it. and now researchers say even people with moderate cases of sleep apnea are at a higher risk of death. dr. jennifer ashton will be along this morning with a surprising new study. first, a major hurricane is gaining strength as it turns towards the east coast of the united states and could become the first major storm of the season. our own dave price has the very latest. dave, good morning. >> good morning to you, julie. all eyes are on it now. bill, a category 2 hurricane with sustained winds of 100 miles per hour and gusts even higher than that. you can see the satellite loop right here, and it's going to gain strength today. now, it's not only powerful, but it's big too. it measures 300 miles across. with hurricane force winds extending 30 miles from its center, it means business. bill now located, if you're tracking it, just about 800 miles east of the leeward islands. it is moving west/northwest at this point. could pose a threat to bermuda by the end of the week. again, it's still too early to tell if bill is actually going to pose a threat as it moves closer to the u.s. shoreline and the coast. we'll watch that. we're keeping an eye on it. in the meantime, though, folks in florida beginning to clean up this morning after getting walloped by tropical storm claudette, which quickly weakened after it made landfall. claudette dumped upwards of four inches in places like apalachicola and one to two inches mainly along the gulf coastline of florida. we'll continue to watch it for you. in the meantime, bill the next one up as it continues to churn towards the north and towards the west, but we'll watch it. still too early to tell as far as landfall, time, and if indeed it's going to affec the u.s. coastline. >> i know you'll watch it for us. thanks a lot, dave. now to the economy. it was a volatile session for global markets overnight. investors around the world are worried about the strength of our recovery. cbs news correspondent michelle miller is at the new york stock exchange with more on that. good morning, michelle. >> reporter: good morning. as you know, stocks plunged sharply on monday. the dow dropped 186 points. and while asian stocks made a recovery in overnight trading, six months into obama's $787 billion stimulus package, and the jury is still out. most americans have little confidence in the stimulus package, according to a "usa today"/gallup poll, 57% of respondents say it's had no effect on the economy or it's making it worse. 60% doubt it will help the economy in the future. and only 18% say government spending has improved their personal situation. >> the stimulus package was very important in terms of stabilizing confidence. however, it's a stretch to say that we're having a recovery because of the stimulus package. >> reporter: since the stimulus became law, the market has jumped 45%, but unemployment, main street's most important economic indicator, is at 9.4%. critics say the money isn't getting to states fast enough to spur job growth. between the economy and healthcare reform, the president's approval rating is tumbling. down double digits since a 69% high in january. that leaves him open to attacks from the other side of the aisle. and with only $77 billion in stimulus money spent, economists caution wait to pass judgment. maggie? >> cbs' michelle miller at the new york stock exchange. thank you, michelle. joining us now from richmond, virginia, to talk about the stimulus and the ongoing battle over healthcare is republican congressman eric cantor. good morning, congressman cantor. >> good morning, maggie. >> do you believe it's fair to pass judgment so soon on whether the stimulus is working? or if you had implemented a solution to our economic woes, how long would you want the public to wait before deciding if it's working? >> if you recall, maggie, back in january, when congress passed the stimulus bill, representations were made by the president and the administration that this bill needed to be acted upon immediately and that we would see, if we did that, staving off of job losses. in fact, 8.5% unemployment was set as the highest goal. unfortunately, what we know now is nationally, as the report just indicated, we're at 9.4%, and unfortunately seeming to go higher in some areas. i can tell you here in my area -- >> may i interrupt? we all know that economists agree that unemployment is a lagging indicator of economic improvement, and there have been plenty of other signs. >> the reality is people are still across this country facing economic crisis. and whether you want to judge the recession by the potential gdp growth or you want to judge it by unemployment, right now families are worried about their job security. maggie, i can tell you i had a job fair here in the richmond area yesterday -- and we're an area that is lower in an unemployment rate than the national average. we had 3,200 people show up in 95 degree heat seeking employment. that says to me that this stimulus has not done what the administration said it would do. in fact, vice president biden came to richmond about a month and a half ago touting the success of the stimulus. i can tell you that 3,200 some people that i spoke with yesterday would resoundingly disagree with that notion. >> i'd like to ask you about health reform. you had said you won't support a public option in the plan. what about a co-op? >> listen, i know senator conrad and the others who are floating this idea of a co-op have not offered many details. what i do know is the people that i represent here in virginia and most of the people around the country are speaking up now and don't want to see a government takeover of our healthcare. so we don't know much of the details. we don't know really what a co-op is going to be. but if it is just another name for government takeover of our healthcare, i'm not going to be for that, nor do i think most americans will support that. >> congressman eric cantor, thank you very much for your time. >> thank you, maggie. >> now let's in with russ mitchell at the news desk. good morning, russ. >> good morning, guys. good morning to you at home. this morning the nato-led force in afghanistan announced it will halt offensive military operations during this week's presidential election. meanwhile, a car bombing this morning has killed at least seven and injured dozens. cbs' mandy clark has more from kabul. >> reporter: a suicide bomb went off in kabul today. earlier this morning, rockets struck near the presidential palace. the taliban has vowed more violence ahead of thursday's vote. security, particularly in the violent south of the country, is the greatest challenge facing this election. president barack obama insisted on the need to stay committed to the fight. >> the insurgency in afghanistan didn't just happen overnight, and we won't defeat it overnight. this will not be quick nor easy. but we must never forget this is not a war of choice. this is a war of necessity. >> reporter: a war of necessity, but one nato says it will suspend during election day. mandi clark, cbs news, kabul. president obama meets with ejupgs president mubarak this morning. mr. obama is expected to discuss the stalled middle east peace process with the egyptian president. as president obama spoke to the veterans of foreign wars in phoenix, protestors rallied outside, some of them with guns, including a man who had a semiautomatic rifle. it is i wilegal to openly carry weapon in arizona. there were no incidents. a man is indicted with the largest theft of credit card and debit card data in history. the justice department said 130 million credit card accounts were stolen by albert gonzalez, a one-time government informant. two russian co-conspirators were also indicted. we'll have more on this story in the next hour. dave price is here again with a check of the weather. >> nice to see you, russ. let's talk about some of the best weather in the country. we have a lot of bad weather to talk about. right here in the upper midwest. things looking great in the 60s and 70s and plenty of sunshine. go to the eastern great lakes and down to the lower tennessee valley, and you're talking about storms that are going to pop up because of this cold front moving through. mid-atlantic states up through the northeast, high heat. heat indices in the mid-90s. we have heat warnings and watches in effect. and watch for air quality throughout this entire region. meanwhile, we go out west, and it's portland and into sections of washington state, which are going to warm up again into the 80s, maybe even the 90s as we head through the next couple of days. fire situation remains the same in california. it is on the warm side. it is hot and dry. that is a bad combination. watch it through the southern plains, even some of the central plains for strong thunderstorms which could result in >> and that's a quick look at your weather picture at 11 minutes after the hour. over to you. up next, the government announces a shortfall of the h1n1 vaccine. will there be enough to go around? also ahead, the desperate search for a missing mother continues. we'll bring you the latest this morning. and a concerning new study on sleep apnea, why it might turn deadly for even some with minor conditions. this is "the early show" on cbs. vo: why spend $5 per person at the drive-thru, vo: when you can serve your family breakfast from walmart, vo: for a little over $2 a person. mom: just one breakfast a week and the savings really add up. save money. live better. walmart. and my dog bailey and i love to hang out in the kitchen... so she can watch me cook. you just love the aromas of beef tenderloin... and, ooh, rotisserie chicken. yes, you do. [ barks ] yeah. you're so special, you deserve a very special dog food. [ woman ] introducing chef michael's canine creations. the deliciously different way to serve up your love at mealtime. chef-inspired. dog-desired. chef michael's canine creations. a chinese emperor that he declared it a sacred plant. benefits... buddhist monks believed eating soy... was healthier for the body and spirit. and american farmers planted soybeans... to help revive the barren soil of the dust bowl. for thousands of years, people all around the world have eaten soy. [ birds chirping ] and today, we take that same historic bean, mix it with fruit and bake it... into soyjoy. learn more at soyjoy.com. about 55 million children in the u.s. will head back to school in the next few weeks, and that has officials concerned the h1n1 flu will spread further than it already has. the cdc reports more than 2 million people in america have already contracted the virus, killing nearly 500. some of the vaccine may not be available when the flu season starts. cbs news correspondent john blackstone has more. >> reporter: ten days ago, rural yolo county, 80 miles from san francisco, had its first h1n1 death. stacey speegle hernandez, a young mother. >> this isn't supposed to happen to somebody who's 30 years old. >> reporter: tammy brooks saw her daughter go from vibrant to struggling for life in days. >> i knew it. i knew it. i knew that my daughter was -- that she was near death. >> reporter: stacey's death has shaken this county of 200,000. >> so people are calling their doctors now with i've got a scratchy throat, afraid they might be next. >> reporter: fear is certain to drive demand for h1n1 vaccine, but the cdc recommends it for 160 million americans with priority for pregnant women, children, and healthcare workers. 120 million doses were expected to be available by mid-october. now manufacturers say they'll have only 45 million doses by then, adding 20 million doses a week after that. priority immunizations the government had hoped to complete by early december will now be pushed back to an uncertain date. >> we're in a race between the vaccine and the virus. and this gives the virus a little bit more of an advantage. >> reporter: so at the start of the flu season, most americans will have no protection against a virus able to kill the young and the healthy. john blackstone, cbs news, yolo county, california. >> joining us now this morning is bruce gellin, executive director of health and human services department's national vaccine program. mr. gellin, thanks for being with us. good to see you. 120 million to 45 million seems like a significant reduction. how concerned should people be? >> while we had hoped to have 120 million doses if everything went well, as you said, we know we're going to have at least 45 million doses at the beginning of the immunization program. and it's possible that some of that could even come earlier. what's really important is to know that, once that comes, it keeps coming. we're engaged with five different manufacturers. in total, there are going to be another 20 million doses every week after that. >> so you're up to 85 million a couple of weeks after. what exactly is the hold-up in getting 120 million doses out there? >> reporter: there a >> there are several things that contributed to that. the basic problem is these vaccines are made with living viruses, and these viruses have to grow in the systems, they're grown in eggs. every year we have to make sure the viruses do the best they can in growing in eggs. it was initially somewhat disappointing that this virus wasn't growing so well. there have been a number of laboratories around the world, including cdc and fda and others, who working with the manufacturers, may be improving that right now. at least at the beginning, that's what's slowing down the number of doses that can be provided in a certain period of time. >> let's take a look at the priority groups, folks you think should get this vaccine as soon as they can. pregnant women, healthcare workers, caregivers of children under 6 months of age, children and young adults 6 months to 24 years, and then adults 25 to 64 with medical conditions. how many of those people who yo u'd like to get this vaccine won't be getting it as soon as you like? >> it's important again to emphasize the reason that these are the people who are being prioritized are these are the people in our spring here and looking at what happened in the southern hemisphere, these are the people who are the most vulnerable and have the complications of the h1n1 virus when they get it. so those are the people that go to the top of the list. the cdc has an advisory committee that looked at that and looked at these patterns and determined that those are the people that should get it first. >> so in 15 seconds left here, if you're deciding who's going to get it and there is other continued shortages here, how do you decide who does get it? >> it's not really a shortage. i think it's really a delay. i think the people who are on that list need to anticipate there's going to be vaccine available for them. talk to their doctors, talk to their health departments, and start to think where they're going to get the vaccine when it becomes available. >> bruce gellin, director of health and human services national vaccine program. appreciate your time. up next, a new report says pandas are closer to extinction than ever before. we'll tell you why. you're watching "the early show" on cbs. >> announcer: this portion of "the early show" sponsored by lendingtree.com. control your financial destiny. inlee.inregtlem.co all new ( music, toasters popping ) ♪ mmm... hot fudge sundae. ♪ ooh! frosted blueberry?!? ♪ over 25 flavors of kellogg's pop-tarts®. and they're all for fun and fun for all. pop-tarts®. made for fun™. announcer: say hello to the can-doers. - the budget masters. - ♪ yeah yeah the knock-out artists who are finding more ways to spread their doll further. - to bolder color in less time. - ♪ are you feeling it? say hello to newer ideas and lowered prices, enabling more people to turn more saving into more doing. -tthat's the power f of the home depot. - ♪ are you feeling it? say hello to newer ideas and lowered prices, try out different colors with new 8-ounce paint samples at a new low price of only $2.94. try out different colors with new 8-ounce paint samples welcome to chili's. start your three-course meals with a shared appetizer. for a second course, choose two entrees from over 15 chili's favorites, like our big mouth bites -- the mini burgers with giant layers of flavor. or a half-rack of our triple-basted baby back ribs. then save some room to share a decadent dessert. a lot of bold flavors, for a limited time only. chili's -- i eat anything that i want. key lime pie, pineapple upside down cake, raspberry cheesecake... ... yeah, every night is something different. oh, yeah yeah... ... she always keeps them in the house. no, no, no. i've actually lost weight... i just have a high metabolism or something... ...lucky. babe... umm, i gotta go. (announcer) 28 delicious flavors at around 100 calories each. yoplait, it is so good. it is now 7:23. welcome back to "the early show." giant panda bears with major attractions at zoos. this morning an environmental group is warning those may be the only places you're able to find them in the not so distant future. >> reporter: china's famous mascot the giant panda could disappear from the wild in two or three generations. experts warn the animals' natural habitat in southwest china is threatened by development. heavy traffic has stopped pandas from crossing over highways, explains conservationist. pandas can no longer meet and interact with each other as they normally do. researchers have increased the numbers of baby pandas born in captivity through artificial insemination. the chinese bears are notoriously unsuccessful at reproducing on their own. fewer than 1,600 pandas are roaming china's bamboo corridors that are now less than a mile wide. modern technology has boosted the number of pandas in zoos, but ongoing construction means the wild giant panda population could soon shrink to nothing. celia hatton, cbs news, beijing. >> and this group is not advocating that they stop development, obviously, but just keep the pandas in mind because they're building roads and waterways right in the middle of areas where pandas would need to cross over to find their mates, and they're just not able to get to them. they're geographically undesirable. >> is there any animal over the years that has captured more attention inside zoos than pandas? >> no, because they're so rare. did you guys read about what the breeders are doing to try to combat this problem? >> no. tell us. >> showing the pandas videos of other pandas mating. we'll just leave it at that. i'm not even kidding. >> i know some humans whoo d that. >> no names, please. >> wow. >> we'll be right back. d a lot of cheers emanating from our little corner of the world. >> because you're here. >> because you're here. >> no. i'm shocked you'd have me back. >> jeff glor here with us again. i'm maggie rodriguez. julie is in l.a. lack back to "the early show," everybody. >> harry smith is off this morning. coming up, an alarming new study about sleep apnea, which affects 20 million americans. a new study shows this disorder could be deadly even in minor cases. dr. jennifer ashton will be here. also coming up this morning, police in georgia are expanding their search for a missing mom. they're questioning sex offenders in two states and checking to see if her disappearance is linked to a former job. we'll have the very latest on that mystery. maggie? >> all right, jules. first, an important update. the eighth suspect in last month's brutal murder of a florida couple with 17 children is now in jail. this morning grim new details of the killings have come to light. cbs news correspondent susan roberts reports. >> reporter: newly release crime scene reports in the home invasion murders of bird and melanie billings reveal the killers took no chances. they made sure. melanie billings was shot five times, twice in the face. her husband took six shots, two to the back of his head. a sheriff's report says one of the billings' adopted children, who has down's syndrome, was sleeping with them when the gunmen burst in. the 10-year-old boy witnessed the crime and said the gunmen told his father, "you're going to die," then started shooting. a 9-year-old who was in another room said he heard seven booms and a scream. >> come on out. >> reporter: six men and a teenage boy are each charged with two counts of first degree murder in the case, and this morning an eighth suspect is behind bars. pamela wiggins was first charged as an accessory in the crime and was free on bond. now she too faces murder charges. and in court yesterday, the judge had her handcuffed and led away. susan roberts, cbs news, washington. back to a notorious hacker who's been busted. he's accused of plotting to pull off the biggest ever theft of credit and debit card information ever, including stealing an astounding 130 million credit and debit card numbers. and he's reportedly a former government informant. albert gonzalez called his credit and debit card theft ring operation get rich or die trying. on monday, the get rich part of that scheme died as federal agents indicted the super hacker in what's being called the largest identity theft case in u.s. history. the 28-year-old gonzalez allegedly broke his own record for identity theft when he and two unnamed conspirators were charged with stealing more than 130 million credit and debit card numbers from three corporate giants. ironically, gonzalez had helped the government hunt hackers for a time, until it was found he was working with and tipping off the criminals he was supposed to expose. already in jail under a 2008 indictment for corporate hacking, gonzalez now faces up to 35 years in prison and $1 million in fines if convicted. joining us now is eric schurenberg, editor in chief of cbsmoneywatch.com. thanks for being with us. a lot of people see this and say, am i a victim? if you're out there wondering if it's him or some other perpetrator, how do you figure out if you are a victim? >> most have rules, if you have been compromised or might have been compromised, the card provider has to tell you. in the meantime, you ought to check your credit card statement. check it religiously. every month, if you're online, check it more often than that. if you see a dispute, if you see a charge that seems a little strange, call the credit card issuer and tell them, you didn't make that purchase. >> and save the receipts as well. >> always good practice. >> in the future -- this is looking back. in the future, how do you protect yourself? looking ahead, as you make new charges. >> first of all, use common sense. if someone calls you, never give your credit card out to someone who calls you. the bank doesn't need to check on your credit card. they know the number already. use bank atms rather than atms at convenience stores or other places like that. the security is going to be a little bit better there. and finally, when you shop online and use your credit card, make sure the website is secure, and you can tell because there's https at the beginning of the url. >> that's a big begun. make sure the "s" is on there. if people are deciding to use their credit card or use their debit card, what's better? >> i think there are plenty of good reasons to use a deb the card. the chief reason being it doesn't add to your credit card balance and don't have to pay interest. for fraud reasons, a credit card is a little bit safer. you have only a $50 liability, and a lot of credit cards offer even more protection than that, a zero liability policy. with debit cards it's a little more complicated. you only get the $50 liability protection if you alert the credit card issuer within two days of the fraud. >> at some point you think despite the dangers the credit card might be safer than paying cash? >> i think that's true because, yes, there are cases in which, if the thing you buy doesn't work, or something like that, you have some protection built into your credit card. >> when people think about this potentially happening -- and granted, it doesn't happen to everyone -- what's the worst case scenario? >> the worst case would be, if this information is combined with other information about you to create identity theft. that is the nightmare scenario, where criminals get hold of enough information to start to open credit card accounts in your name. you might not find out about that for months, and that could be a real nightmare. >> the best case scenario is it doesn't even happen. stay vigilant. eric schurenberg for moneywatch.com. appreciate your time. now here's dave with another check of the weather. mr. price? >> nice to see you, jeff. great crowd out here. we'll meet them in a little while. first let's take a check of the weather and see what's going on all over the country, shall we? looks like it's going to be a rough day in the plains, especially the central and southern plains. watch for large hail, winds upwards of 50 miles per hour. and anywhere from one to three inches of precip. watch especially towns like wichita and tulsa. now let's widen out and go to the national map. high heat in the northeast, everyone. down to the mid-atlantic states in the 90s. heat indices lower than that. the heat and dry air stays in place along the west coast. it warms up in washington and oregon. look for the eastern great lakes down to the lower tennessee valley to see some rough weather today with a cold front coming through. and the gulf states are going to see some residual rain as well. claudette is now out of the way, though, for the state of and that's a quick look at your weather. we'll be back on the plaza at 8:00. in the meantime, julie, we'll send it back to los angeles. up next, the laternsech aar a desperate searchor m aissing mom in georgia. (announcer) the brands you love cost less at walmart. and people love fruit of the loom underwear. ♪ i love the nightlife get all the latest colors and styles at an unbeatable price. save money. live better. walmart. ♪ fresh and tasty naturally ♪ so, do a dollop, do, do a dollop of daisy ♪ ♪ do a dollop, do, do a dollop of daisy ♪ ♪ do a dollop, do, do a dollop of daisy ♪ all free clear 2x concentrated detergent. all free clear's powerful clean is free of the ingredients you'll find in most detergents: no perfumes... no dyes... no preservatives... free clear is specially designed for people with sensitive skin and has powerful stainlifters, so you can trust it to get the job done right. free clear is the number-one detergent recommended by dermatologists... so, for a pure clean, all free clear is all you need. and people love hanes underwear. ♪ i like to shake my boo-tay keep your family comfortable with no ride-up underwear at an unbeatable price. save money. live better. walmart. now to the desperate search for 38-year-old kristi cornwell, who vanished one week ago. officials have questioned 150 sex offenders in georgia and plan to interview more in north carolina. the search for 38-year-old kristi cornwell continued monday. investigators from more than 15 law enforcement agencies scoured the wooded area near blairsville, georgia, where she disappeared. divers searched the nearly lake for clues. >> this blue circle represents everything inside that circle that has been searched so far within a three-mile radius of the abduction site. >> police are investigating whether cornwell's abduction was targeted or random. one possible link, she was a probation officer as late as 2002. cornwell on her cell phone with her boyfriend when she disappeared told him she believed a car was following her. soon after he heard her struggling. monday, cornwell's mother spoke with "the early show." >> well, it's the worst nightmare of our lives. not knowing where your child is, if they're safe or not. >> joining us now from dedham, massachusetts, is criminologist jack levin of northeastern university. good morning, sir. >> good morning. >> police believe kristi cornwell was abducted while using her cell phone. what does it tell you about who took her? >> you know, the cell phone, i think, tells us a lot. most of these abductions are committed by people who know the victim very well. so if she hadn't been on the cell phone with her boyfriend, he may have been the prime suspect, but we know he was far away from the crime scene. second thing is that she, the victim, mentioned to her boyfriend that a car was following her. if she had recognized the car, she might have told her boyfriend that. and finally, she never mentions to him that she knows the person who grabbed her. she does mention to him that she's being taken. the first thing that someone would have said, if the abductor had been a friend or a neighbor or someone she knew pretty well was, hey, john, ralph, joe, what are you doing here? just let me say one more thing. it's possible that we're talking about two abductors, one who drove the car and the other who grabbed her and actually did the abduction. >> okay. so chances are you're thinking she did not recognize the person or people who took her, but do you think they knew who she was? because she apparently used to work as a probation officer as recently as 2002. do you think there's something there? >> well, you know, the police cannot rule that out. i mean, they have to look at her probationers. after all, she had worked in a prison. she had a large number of clients. but it seems to me she would have probably recognized one of her clients if she had known him very well. so it's either a stranger or an acquaintance, but it isn't, in my view, someone she knew very well. >> in the final seconds, should police expect to get any clues from this cell phone that they found belonging to her? >> you know, i think -- i doubt it. you know, one thing we know as a clue is that they probably, the abductors, drove her miles away because they found the cell phone more than two miles from the crime scene. but if the abductors had thought that there were clues on the cell phone, they wouldn't have thrown it out the window. they would have kept it. >> unless they're not very smart. maybe we'll find fingerprints, which hopefully they're looking into it. jack levin -- >> let's hope so. >> jack levin, we thank you. up next, alarming news for millions of people with a common eerdso. you're watching "the early show" on cbs. when morning comes in the middle of the night, [ rooster crow ] it affects your entire day. to get a good night's sleep, try 2-layer ambien cr. the first layer dissolves quickly... to help you fall asleep. and unlike other sleep aids, a second dissolves slowly to help you stay asleep. when taking ambien cr, don't drive or operate machinery. sleepwalking, and eating or driving... while not fully awake with memory loss for the event... as well as abnormal behaviors... such as being more outgoing or aggressive than normal, confusion, agitation and hallucinations may occur. don't take it with alcohol... as it may increase these behaviors. allergic reactions such as shortness of breath, swelling of your tongue or throat may occur... and in rare cases may fatal. side effects may include next-day drowsiness, dizziness, and headache. in patients with depression, worsening of depression, including risk of suicide may occur. if you experience any of these behaviors or reactions... contact your doctor immediately. wake up ready for your day-- ask your healthcare provider for 2-layer ambien cr. light & fit has 80 calories versus 100 in the other leading brand and a taste you'll find... [sluuurrrrpppp!] irresistible. light & fit. great taste, fewer calories. come on. good girl.] mollie's never looked better. i really was amazed to see the change in her coat. people stop us when we're walking, and they'll say, "did you shine up her spots?" [ woman announcing ] just another way purina one... unlocks the brilliance of nature... to transform the life of your dog. for us to see the difference in mollie-- we were really excited about it. it just makes you feel wonderful. [ announcer ] it's amazing what one can do. oh, yeah, time for a little "me time." perfect paws. a little rub. bit of a trim. looking sexy! when you demand the very best... oh, yeah. it's a dog's life. you have to try cottonelle ultra toilet paper. come to papa. it's the ultimate way to be kind to your behind. i'm in the lap of luxury. yep! look in your bag, made you something. (announcer) it's more than just that great peanut taste, choosing jif is a simple way to show someone how much you care. choosey moms, choose jif. on this morning's "healthwatch," sleep apnea, which affected 24 million adults. this disorder increases the risk of death for middle aged and older people by up to 46% in the most severe cases. look at that, 17% increase even in moderate cases. here with potentially life-saving advice is our own dr. jennifer ashton. good morning. >> good morning, maggie. >> that seems surprising to me. what about you as a doctor? >> physicians are have known for quite some time that sleep apnea is not good for you. but this is the first time that numbers were put to the actual risk. 46% increased risk of death for those people who had more than 30 episodes of disorders sleep per hour. that's a huge number. >> that means it's not something we can afford to ignore. what exactly is sleep apnea? >> when someone is sleeping, there's a soft tissue part in the back of the throat, in the upper airway, that can collapse, blocking the passage of air in and out. when that happens, the blood oxygen levels drop, and therefore you kind of wake up with a start. if that happens once, it's really not a problem. but it doesn't just happen once, it happens repeatedly. again, over the course of the night, as little as 11 minutes of this type of episode can really increase the risk of death. >> what are some symptoms we should be looking for? >> there's a couple of things. number one, snoring. we're not talking about a little bit of snoring. loud snoring, restless sleep. if you're waking up many times during the night. and if you have excessive daytime exhaustion, you want to talk to your doctor about getting a test, a sleep study, to determine whether you have sleep apnea. we'll be right back. you're watching "the early show" on cbs. >> announcer: "cbs healthwatch" sponsorefa talk about a wake up call. i had a heart attack at 57. my doctor told me i should've been... doing more for my high cholesterol. what was i thinking? but now i trust my heart to lipitor. when diet and exercise are not enough, adding lipitor may help. unlike some other cholesterol lowering medications, lipitor is fda approved to reduce the risk... of heart attack, stroke, and certain kinds of heart surgeries... if you have several common risk factors... or heart disease. lipitor has been extensively studied... with over 16 years of research. lipitor is not for everyone, including people with liver problems... and women who are nursing, pregnant, or may become pregnant. you need simple blood tests to check for liver problems. tell your doctor if you are taking other medications, or if you have any muscle pain or weakness. this may be a sign of a rare but serious side effect. i learned the hard way. but you may be able to do something. have a heart to heart with your doctor... about your risk. and about lipitor. cvvo: when you can serve yourat family breakfast from walmart, vo: for a little over $2 a person. mom: just one breakfast a week and the savings really add up. save money. live better. walmart. cncn the energy to get the economy humming again. the energy to tackle challenges like climate change. what if that energy, came from an energy company. every day, chevron invests $62 million in people. in ideas. seeking, teaching, building. fueling growth around the world, to move us all ahead. this is the power of human energy. chevron. can you become prettier from a pill? we'll put some to the test to find out if beauty can be bought. it's the ultimate summer vacation. >> i don't know about you, but we've instituted camp obama at my house. >> from paris to africa to the grand canyon, we' look at sasha and malia's excellent adventure. and popping the question. why some women are making waves with man-gagement rings. we'll tell you what they are "early" this tuesday morning, august 18th, 2009. welcome back to "the early show." i'm julie chen in los angeles. maggie rodriguez, jeff glor, and dave price are in new york. harry is off this morning. what a crowd you guys have behind you. >> they heard you. >> i guess so. >> they're all looking for man-gagement rings for dave. >> that's nice. i want to hear all about that. >> there's nothing wrong with that. >> not at all. also ahead, if your child is headed off to college, you may be worried about them overdrawing their accounts or racking up too much debt on their credit cards. this morning we're going to have advice for you on how they can handle their finances on their own and be responsible. maggie? >> also, jules, speaking of back to school, we're going to show you the hot new clothing trends for kids. there you see malachi dressed as a biker, and jane in the varsity trend. we'll show you what else is hot for school. >> chances are your kids aren't going to get the kind of lunch we're going to see prepared here. chef eric ripert from le bernardin is going to prepare a lunch for us. maggie and i have been speaking french all morning either though none of us know the language. >> that's a quick look at your weather picture -- what am i saying? that's amazing. let's throw it inside to russ. we'll see you for weather in just a couple of minutes. russ, we're on all cylinders this morning. >> dave, it's all about you. >> you're a good man, charlie brown. this morning in the atlantic hurricane bill is turning into a whoppers. bill is already a category 2 storm. 300 miles across with 100 mile an hour winds. it's expected to strengthen further, but forecasters cannot say if it will hit the east coast of the u.s. or stay out to sea. in afghanistan, pre-election violence intensified further this morning. a suicide bomber hit a western convoy leaving kabul. at least seven people were killed, including two u.n. workers. more than 50 were wounded. and beginning in mid-october, the u.s. takes on the h1n1 flu virus with only 45 million doses of flu vaccine. that is far less than 120 million doses the government expected. earlier the head of the national vaccine program told us, there will be enough for those who need it most, youngsters, pregnant women, and healthcare workers. >> i think the people who are on that list need to anticipate there's going to be a vaccine available for them, talk to their doctors, talk to their health departments, and start to think about where they're going to get the vaccine when it becomes available. >> gellin says an extra 20 million doses will become available every week. it's now 8:03. now it's his turn. dave price is on the plaza with another check of the weather. hello, david. >> hey, russ. you know, we can't plug everything that comes to the plaza or talk about everyone who's here, but i must confess i'm a little bit biased today because the cornell university class of 2013 is here. about 100 strong, and i'm just so proud of you. it's just such a great place. so for everyone watching in the finger lakes area in ithaca, these people are coming your way. happy birthday to you as well, my dear. let's take a check of the weather and see what's happening all across the country. let's go to the maps right now and take a look at bill. it is continuing, as russ mentioned at the top of the news cast, to track towards the north and the west. it is several days out. whether it makes landfall along the eastern shores remains a very big question at this point. we are expecting it to begin to track on a more northerly track. bermuda still is a major concern, but as far as u.s. landfall, it's a big question, and it's a far way out. let's take a look at the national maps now, see what's happening in the eastern great lakes stretching down to the lower tennessee valley, you're going to look for some storms popping up. some could be strong. that's a strong cold front moving through. in the central plains and southern plains, watch for a combination of hail and high winds, thunder and lightning as storms roll through today. heat and dry weather continues in california, and it warms up in the pacific northwest. that's a quick look at your weather >> announcer: this weather report sponsored by walmart. save money. live better. walmart. >> i have been trying to get this woman to talk all morning, but she just won't come out of her shell. we'll see you in the next half hour. that's a quick look at your weather picture. julie, over to you. >> thanks a lot, dave. up next, sasha and malia's excellent adventure. we'll see what the presidential daughters did on their summer vacation. you're watching "the early show" on cbs. (mom) my son loves rice krispies treats. girls, maybe next year. (announcer) start their school year off right with great tasting snacks at an unbeatable price. save money. live better. walmart. it's what doctors recommend most for headaches. for arthritis pain... in your hands... knees... and back. for little bodies with fevers.. and big bodies on high blood pressure medicine. tylenol works with your body... in a way other pain relievers don't... so you feel better... knowing doctors recommend tylenol... mo than any other brand of pain reliever. all free clear 2x concentrated detergent. all free clear's powerful clean is free of the ingredients you'll find in most detergents: no perfumes... no dyes... no preservatives... free clear is specially designed for people with sensitive skin and has powerf stainlifters, so you can trust it to get the job done right. free clear is the number-one detergent recommended by dermatologists... so, for a pure clean, all free clear is all you need. children of presidents often get to see and experience things that other kids only dream of. and the obama girls are no exception. cbs news white house correspondent bill plante has more on what sasha and malia did on vacation. >> reporter: when malia and sasha go back to school and turn in the papers that say what i did on my summer vacation, they're going to have one heck of a story to tell. if you want to meet the youngest diplomats, look no further. >> i don't know about you, but we've instituted camp obama in my house. >> reporter: camp obama consists of globetrotting around the world from paris to rome to russia to africa and also hitting the hot spots right here at home. >> michelle obama, in kind of crafting this so-called camp obama, is really mindful of wanting to expose the girls to things they haven't seen. >> reporter: it's not at all uncommon for presidents to bring their children along for the ride. >> the bush daughters toured europe, but usually alone or with their mom. chelsea clinton with her mother, india, many places. this is the first in recent memory that i've seen where they travel as a family. with the father. this is a great opportunity to see some places and learn some things. i would say that this is a family that likes to be together. >> i'm always mindful that the pressures of the job not get in the way of me spending time with malia and sasha. >> reporter: but is the travel inappropriate at a time of recession? katie couric asked the president. >> do i think the american people think that, because those hardships, i shouldn't spend a little time with my daughters? i don't think that's how the american people think about it. >> reporter: the obamas see this as a family learning experience to travel with their children, and the white house points out that the obamas pay for all the travel costs associated with the children's travel. and camp obama, by the way, isn't over. it continues next week at martha's vineyard. julie? >> can i enroll? you and me both, bill. bill plante outside the white house. thanks a lot. now let's head back to new york and maggie. >> i'm coming too, guys. thanks a lot, jules. they say you are what you eat. some cosmetic companies are putting that to the test. here with some edible beauty products is nutritionist keli glassman. she's a contributor to "women's health" magazine. good morning. you brought a burchl of products. give us an overall of what these products are. is there anything controversial here? anything potentially dangerous? >> these actually all have been tested, and they are all, in following their dosage, they are all acceptable. >> they're all natural? >> they're not necessarily all natural ingredients, but they're all acceptable in the dosage that's recommended on the label. now, we know that there are certain nutrients found in foods that can improve our overall skin health. what they've done here is taken some of those nutrients and put them into powder and pill form. at women's health, we put them to the test. >> let's start with the first one. this is a powder that you put in water, and it's supposed to give you a tan. i can see from the orange color why it might do that. >> exactly. this is supposed to tan you from within. the beta carotene caused bigmentation, which will darken our skin. you take a packet once a day. after two weeks you're supposed to look a little l more tan. our tester was more bronze. was hoping for more results, but was more bronze. have you ever seen someone who the palms of their hands look orange? that's because they're eating too much food with vitamin a and beta carotene, like carrots. i'm not surpriseded this works. >> it could potentially make you look orange. >> don't overdo it. exactly. >> it tastes like tang. >> it does. a little citrusy. >> this one smells like chocolate. what is it supposeded to do? >> this one is a power shake. basically, it's a shake with added beauty nutrients in it. 600 milligrams of calcium and biotin, which is good for your hair, make your hair shiny. you have two scoops with one cup of water two times a day. our tester said she used it as sort of a weight control method because she replaced her snacks with it. she actually started to lose a little bit of weight. she also said her skin was shinier and her hair was shinier as well. so that was a good thing. she also said it tasted like a milkshake. regardless of any beauty benefits here, it's really an overall proportion snack for any woman. that calcium i like too. >> don't forget it does have calories. >> 150 calories and 15 grams of protein. that's good too. >> what's this one about? >> this one is a pill for our skin to even and brighten our skin tone. the nutrients found in this are antioxidants from citrus, which are supposed to even out our skin by inhibiting hyperpigmentation. you took two pills a day with a meal. our tester found her skin did look less blotchy. whether or not your skin looks less blotchy, it's a very good overall antioxidant mix. we know antioxidants fight free radicals. so that may reduce fine lines and wrinkles. >> this is supposed to reduce acne. >> this is a pill, one to two capsules a day. the pill has certain nutrient ins it that are supposed to regulate oil production. when you regulate oil production, you're going to reduce the chances of an acne breakout. the nutrients found in this -- and the tester also did say her skin was a little less oily. you can find some of those same nutrients in foods like brazil nuts, whole grains. so remember the beauty foods too. very important to eat those beauty foods as well, first and foremost. >> and this is a shake that's supposed to turn back the hands of time? >> turn back the clock. this one's a shake. nutrients are certain lippeds that are supposed to help our own cells regenerate. our tester said her skin looked more hydrated. for that reason, she felt like her wrinkles were reduced a little bit. >> can't you get that from drinking more water? >> absolutely, which you should do, eight cups a day. that will automatically improve the glow and radiance of your skin. the powder form will be absorbed better than a pill. that's a little bonus. eat those beauty foods first and foremost. use this as a pooft if you need something extra. >> for more information on all of these products, go to our website, earlyshow.cbsnews.com. coming up next, engagement rings for men, man-gagement. we'll talk about that. bicycle, i've missed you. gathering dust, as pollen floats through the air. but with the strength of zyrtec ® , the fastest, 24-hour allergy relief, i promise not to wait as long to go for our ride. with zyrtec ® i can love the air ™ . what do you say to a spin around the color wheel? - to paint with primer already mixed in? - ♪ yeah yeah yeah... - test samples instead of can commitments? - ♪ whoo! - what do you say we dip into our wallets less... - ♪ are you feeling it? - ...and grab ahold of the latest tools out there... - ♪ oh! ...so we can quit all that messing around with extra steps - and get busy turning our doing dials up a notch? - ♪ whoo! ♪ oh! more saving. rl cbre doi. nge th- that's the power of the home depot. - ♪ yeah yeah yeah. popping the question has gone new age these days. instead of the guy getting down on one knee, some women are giving their man a diamond ring. question is does it work. we asked some new yorkers how they feel about man-gagement rings. >> i don't know how i'd feel about you getting on one knee in the middle of a restaurant. but, yeah, why not? i deserve something nice too. >> that physical representation of a relationship is fine, but i'm more into it for the emotion. >> i'd want to be proposed to as opposed to proposing to someone. >> i'm kind of old school, i guess. i'm not real into it. i wouldn't do it. personally. >> if it was like an anniversary or something like that, but for marriage, no. the guy has to propose. >> interesting concept, to say the least. joining us now, "details" magazine senior editor ian daly and cooper lawrence, syndicated radio host and author of "the cult of celebrity." good morning to both of you. ian, what is going on? >> new things are going on. they're equal, making the same amount of money. why not? >> you wrote about this in the most recent issue of "details." what do guys think about it? >> i think with most things it depends on who you ask. i think people are keeping an open mind about it. you know, i think it's flattering. it's always nice to be asked. >> it is. we take a look -- we do have some man-gagement rings right here. we can take a look at some of them. cooper, we should explain. this is not necessarily a new concept, right? >> no. this started in world war ii when men would go to war and were in the foxholes and wanted something to remind them of their betrothed. i don't know if the rings were this this elaborate, but they did have something on their finger. that's where it all start. >> these are elaborate. there are diamond in these rings, jewels. this is not a simple sort of ring. is there a reciprocal sort of thing? does the man get one and the woman? >> we talked about this on my radio show last night, and i was amazed at how many men called and said, yeah, i have a man-gagement ring. it's the same ring i got for my spouse or spouse to be, and they got matching rings. and i asked them why? they said, because i want to say to the world that i'm taking. they're in jobs where there's a lot of women around, and they want to say, unh-unh, back off. >> after they get married, does the man-gagement ring stay on, or does it come off? >> that's interesting. there's not a set tradition for this the same way there's a set tradition for women's engagement rings. people do it different ways. a lot of times the guy will take it off and keep it as a keepsake when he puts the actual wedding ring on. or he takes it off the day of the wedding, put it back on, and it becomes his wedding band. >> just don't wear it around your neck on a chain. >> enormous gold chain. >> there are other ways to show your love. >> cooper, jewelry stores say this is a trend that's growing, shockingly enough. they're interested in selling more. do you see it more? >> i do see it more. here's what's interesting. it's a misnomer to think it's a way to sell more jewelry, a way to sell more diamonds. most of the people that i spoke to on the radio show were going and buying $15 rings at flea markets. they weren't buying elaborate rings and spending money. >> men aren't going to show their rocks off. it's not about the size of their rocks. >> fair enough. >> i think you can get away with less. >> i'm just saying wow. ian daly and cooper lawrence, thank you very much. maggie, over to you. >> he's going to watch that back tonight and go, did i say that? what do you guys think about man-gagement rings? >> i'm a traditionalist. i think it's kind of silly. >> i'm a traditionalist too. >> i don't know of any guy that has one. >> a rule for me -- and i don't know if julie will agree -- the less jewelry on a man, the better. >> i agree. you don't want to see too much shine or glitter. it gets a little bit cheesy, you know what i'm saying? >> it reminds me of the '80s. julie, you're miss pop culture. those speidel bracelets that everyone wore. >> not the i.d. ones? >> yeah. the speidel i.d. bracelets. >> it's not the '80s anymore. dave is shocked, you mean, i'm not supposed to be wearing this? >> i'll take it ovulaff later t. >> what if a woman propose snd >> that's okay. >> it's just the ring that bothers you. jeff? >> i probably wouldn't do it, but to each his own. >> you ought to run for office. >> congressman jeff glor, ladies and gentlemen. >> if anyone wants to do it, great. it's kind of a strange trend. i think it's a plot to sell more rings. >> if men want to wear it and show off their rocks, that's fine, ian. >> don't be fooled by the rocks that i got. >> we'll be right back. cbs@a guys remember, we're a solar system. mars is down...and... um, it's only 10am. who hasn't had their jimmy dean breakfast this morning? mmmm! now lets orbit i feel awesome. you're all awesome. jimmy dean breakfast sandwiches, fight the morning fade. but there's one little friend you don't want him to meet. the flea. just one in your home can turn into thousands-fast, infesting carpets, furniture, even your bed. to stop an infestation, ask for frontline plus. it quickly kills fleas, their eggs, and larvae-even ticks. it's waterproof. and one dose lasts all month long. fleas are nobody's friends. ask for the vet's #1 choice for dogs and cats-frontline plus. welcome back to "the early show." school is in session here on our plaza. we've got some of the cutest kids around to show us the hottest back to school outfits for the young fashion trend setters in your home. >> and some advice for the parents of older students who are college bound, kids who could easily bust their budgets by racking up the credit card debt. we'll tell you how to avoid it. and fine dining made simple by master chef eric ripert of le bernardin. he's going to teach us easy lunch recipes. and i want to talk about someone who means a lot to me and our entire show. there's carol story. hi, carol. >> hi, julie. >> after 21 years of hard work and dedication working on "the early show," today is carol's last day. >> bye. >> no, not bye. >> carol, i just want to say -- no, it's not bye, but it is good luck. you are retiring, moving out of new york city, going to raleigh, north carolina. >> yes. >> carol, i have to say, in all my ten years of working on this show, you get the award for the most positive, upbeat person. this is how carol story comes into work, and you have to translate what this means. this is how i would describe you. you come into work like this. ♪ every day. she does her little carol story dance and that little song. ♪ >> in the last year and a half, carol has been assigned to me as my personal producer, and every morning, no matter how early it is, she has that attitude and always a bounce in her step. we're going to miss you so much. >> thank you, julie. >> we wish you so much luck, carol. let's hear it for carol story. 21 years. >> we love carol story. >> we do. >> it's been so much fun, you guys. it's like coming to the playground every day. you get to meet interesting people, and it's fun, and stuff goes wrong, and it's great. and stuff goes right to, by the way, really. >> can you once a week call us at 4:30 and just go -- ♪ >> i'm going to be on the 4:30 conference call in the morning. >> maggie and i are excited about our move to north carolina. >> where's your man-gagement ring? >> it's inside. >> good-bye, carol. good luck to you with everything. carol story, everything. jules, you ready for weather? >> let's do it, dave. ♪ . >> the carol story weather forecast. none of us can do it like her. here we go. high heat continues. folks, mid-atlantic states up through the northeast, keep that in mind. we're talking about heat indices in the mid-90s, uncomfortable, and even potentially dangerous. watch those particularly with respiratory issues. now, as we go to the eastern great lakes and stretch on down to the lower tennessee valley, watch for thunderstorms. those will continue tomorrow. the heat is returning to the pacific northwest into the 80s and once again climb frg there. hot weather and dry weather out on the west coast. that fire danger continues. 90s are dry in texas, everybody. and, again, keep in mind as we head into tomorrow, we are talking about the possibility, as we continue to track hurricane bill, of it moving north and to the west. not a threat to land yet. we're watching bermuda for the end of the >> i want to thank everyone from the new york fringe festival for coming out, and i want to thank this young lady for making me a name tag to use for the rest of the day. that's a quick look at your weather picture. maggie, to you. >> announcer: this portion of "the early show" sponsored by the florida department of citrus. florida orange juice, healthy, pure and simple. this morning on our series "back to school early," we're taking a look at the hottest fashion trends for kids. chassie post is contributing editor at "cookie" magazine, and she's brought the cutest kids i've ever seen to be in our fashion show. >> hi, maggie. thanks for having me. >> i don't know about your 4-year-old, but my 4-year-old is all about what am i going to wear tomorrow? i want to wear this dress. i don't want to wear these pants. >> remember the night before your first year of school. at "cookie" we call it school year zs. what am i going to wear? am i going to be in fashion? we have the hottest trends for any type of kid. >> let's start with the varsity trend. >> that's jane and marty. we're calling this the varsity sport trend. this is teen sport inspired, kind of the '50s, cheerleader and jock look. on jane, we've got a great little letterman inspired blazer and a fun little cheerleader style skirt. these looks are both from jcpenney under $35. we've paired it with knee socks and the saddle shoe. it's back. >> you don't have to spend a lot of money to be fashionable. >> the saddle shoes are $12 from payless. >> i wore those. >> aren't they adorable? on marty we've got the updated version of the varsity baseball jacket from h and m and emblazoned with letters and patches. over a vintage looking football jersey from the children's place. we love this look with a classic jean from gap kids. >> what a little stud. >> go team. >> the next one, i don't know if parents would allow this one. they probably should let the kids express themselves. >> yes. darby and malachi. my school year's resolution is not to argue with my little boy every morning before he gets dressed. >> if he wants to be biker punk, let him. >> let them express themselves in clothing before being little rebels at home. >> first look, we've got darby. she's got a cute black leather jacket with a puffed sleeve, great details from h and m. she's wearing a mini skirt. this buffalo check is the pattern of the season. you're going to see it everywhere. and we paired it with little striped tights, and these boots are patent leather sort of doc marten style boots. >> they are too cool. >> on malachi, he's wearing the buffalo check but in a bright yellow hoody from land's end $35. it's really warm. he's wearing the punk staple, the super skinny black jeans. we've got a skull scarf and some chains. this is a rebel with a cause. we hope that's to do your homework. >> thanks, guys. next, if you like the way sasha and malia look, you can get inspired by the first family. >> lola and ben, come on up. we're calling this first family inspired. as you can see, this look is based on the classic. it's classics with a twist. sort of updated versions. on lola this is a classic silhouette. in grays and bright. this is crew cut by j. crew. they actually designed sasha and malia's inaugural outfit. it makes it more modern. ben, look at ben. he is totally presidential. >> yay for ben. >> we've got a really classic look. never go wrong with a navy blazer, tie, oxford shirt, and his khakis from gap kids are made slouchy. built in presidential cool. >> i love the conversion. >> our last one is british invasion. >> lindsey. this is all about '60s mod london. >> those are nice yellow pants. >> aren't they great? >> yeah. >> everything skinny in the '60s. starting with lindsey, we saw a lot of faux fur. she's got a faux fur vest and glitter is '60s london. she's got a great glitter union jack t-shirt and the leopard leggings. leopard was huge in the '60s, huge today. >> i love it. >> now on fella, his look, super mod. mick jagger has nothing on fella. his great vest is from 77 kids by american eagle. the great thing about it is, if you turn around, fella, look at those guitars. >> beautiful. >> how isn't that cool? >> thank you so much, kids. chassie, thank you. you can't go wrong. there's something for everyone here. if you want more on these fashions, go to the website, earlyshow.cbsnews.com. over to you, jeff. >> maggie, thank you very much. if you have kids heading off to college, you might be worried how they'll handle their finances once they're on their own. pam krueger is host of pbs' "money track," and she's here with important money management tips. a big topic of discussion as kids head off to school or back to school, get the credit cards for the first time. you say one of the most important things. we hear about budgets. budgeting is very important. how do you make a budget the right way? >> it's all about setting yourself up for success and, by the way, taking the stress out of the whole discussion. let's face it. you're going to have the talk about money, whether it's now or whether it's later, as their career goes on. making a budget. keep it super simple. the idea is to sit down at the table. >> this is how much you have. this is how much you can spend. >> this might be the first opportunity, think about it, that the parent has to really explain to the child, this is how much money we can afford to help you spend, and this is what we don't have. honesty is big on the part of the student, being realistic about what you're really going to be spending your money on. be it sports. be it coffee drinks, manicures. what are you really going to spend your fun money on? >> if we're being realistic, we can do the math. we break it down. they're in college for ten months out of the year. >> call it ten months. exactly. >> divide how much they can do or how much they can spend over the ten months. >> if you're fortunate enough to have graduation gift money, savings towards college, these are expenses above and beyond tuition and room and board. so call it $4,500, say, for ten months. divide that by ten. what do you get? $450 a month. that's your budget. that's what you have to live on to spend money on every month. and then you go back up to your expenses and make sure that you're realistic. and if you're not, that's where you're going to find that you're way off. >> let's talk credit cards. a lot of kids have credit cards when they go off to college. what do you do about credit cards? >> this is interesting. 84% of college students right now on campus are walking around with a credit card in their wallet right now. when they graduate, they have an average of $4,100 in debt. >> staggering number. >> so making sure that your child doesn't use credit the wrong way and actually uses it to build the credit history is absolutely key. i recommend start with a debit card for the first three months. remember that budget we just built? the way the debit card is going to help you stay on track is you're going to see your spending, but you can only spend what's in your checking account by using a debit card. then apply for a credit card. >> so the first three months, the debit card. move into the credit card, but one only. as far as watching their spending goes, because parents don't want to be snooping necessarily, but how do you make sure they're not spending too much? >> you know what i say? as a condition on my giving you money to my student, to my child, i have to be able to sit down with you, say, once every couple of months and watch those kids' accounts online. almost every bank, every credit card allows you to go online and monitor spending. and that's what you want to do. you want to maybe have a meeting by phone. maybe just once every couple of months and check in to make sure you're tracking because you don't want this to get out of control. the whole idea is to build a solid credit history for the future. let's face it. a lot of times parents are not so good at managing their own budget. >> exactly. those meetings are very important. the one final point is setting up the auto bill pay. pam krueger of pbs "money watch," thanks so much. for more money management tips, go to our website, earlyshow.cbsnews.com. now back to maggie. >> thanks, jeff. our next guest is one hot etymologist. marina orlova is the author of the new book "hot for words." she's here to answer our questions about the english language and teach us some words. good morning, marina. >> good morning, maggie. >> before the book, you had the website, hotforwords.com, which has gotten so many hits. >> 230 million hits. >> do you think it's the words or it's snu >> that's the question everybody asks. i think it's both, you know. >> either way, they're learning. what exactly does the word etymology mean? >> it comes from the greek origin of words. ety, which means true, and mology, which means words. >> the longest word in the english language, i would really love to try and say it. you can tell me if i'm saying it right. >> i have it here. >> oh, my god. a-plus for you. >> now you say it. >> i have the russian accent. >> it's sexier when you say it for some reason. what does it mean? >> it means a lung disease when you inhale the volcanic ash. it's a weird disease. if you get it, i don't think, if you come to the doctor, it's very hard to pronounce. you might get misdiagnosed. >> let's talk about three educated ways to give somebody an insult. you say that somebody is nice but platitudplatitudenous. >> it means you're boring. >> to say that someone is pusillanimous in the face of danger. >> you are a coward. it comes from two words, little and spirit. basically, you're saying you have a little spirit. >> the next one. you can say someone is easy on the eyes but capryllic on the nose. >> that means you smell like a goat. >> like what? >> a goat. >> okay. i've never met someone who smells like a goat. >> it comes from the italian word capyra, which means a goat. >> what does pulcritudinous. >> it means you're beautiful. sounds like a disease, but it's actually not. >> what if you're concubescent? >> that means you're senseual. >> and lastly formicate. >> sounds like a tpyo but it's not. it means creeping like an ant. from the latin formicate, which means crawling like a little ant. that's the words i have in my book. you guys, check it out. >> yes, check it out. lots more words on the book and on the website. >> full of new words and going behind the history of the words. >> thank you so much, marina orlo orlova. up next, a five-star lunch courtesy of famed chef eric ripert. we're watching "the early show" on cbs. as you probably know, eric ripert is executive chef at restaurant le bernardin and author of "return to cooking." >> he's not all about fancy food. eric is here to show us a great summer lunch can be surprisingly simple to make. eric ripert, good morning to you. >> good morning. i'm going to show you something my grandmother was doing which is a croque monsieur. >> a classic with a twist. >> it has ham usually. we're doing it with smoked salmon and swiss cheese. i just have to cover it like that. and i paint it with some butter and the butter will give a nice crust to the croque monsieur, and then we're going to put it in the pan like that. i paint again a little bit on top. so when i flip it over, i'll have a nice color. it's very simple. it can be even more sophisticated if you want to do a luxurious dish. you can put caviar. you can do it with smoked salmon. >> is the point that, just because it's an eric ripert recipe doesn't mean you can't do it at home? >> no. as you can see, it's a, b, c. >> very easy. >> see, the bread takes a nice color very quickly. >> look at that. great. >> becoming crunchy. that's where it will be very, very nice. >> that's not on there for long. it's only a minute or so. >> it's only a minute because the fire is very, very high. it's what we want. now i'm doing a salled asalad, call it salad monique, which is the name of my mom. she was making salads in summer with the vegetables from the garden. >> where did you grow up? >> i grew up in the south of france, so we had tomatoes and cucumbers and corn and asparagus. >> so you put a little salt and pepper? >> salt and pepper on it, some olive oil. we're not making an expensive viniagrette. a little bit of balsamic vinegar, just like that. >> simple. >> it takes two minutes. what you have to remember for the olive oil is that it's for one vinegar, two is olive oil when you use balsamic. >> our croque monsieur is ready. >> very important to keep the smoked salmon not too cooked so it doesn't become dry and over salty. you just have to slice it, of course. >> he even slices well. >> it's just to make it a little bit nicer for presentation. >> thank you. >> absolutely. >> that looks fantastic. >> you will see it's very delicate. again, like i said, very simple. and here i need the vegetables on the side. with the salad on the side. and then i mix it together again. because the vegetables need a bit more salt and pepper. >> dave would love this. he loves salad. >> i would actually love this? >> of course. >> and tell us about dessert. >> and then for the dessert, a very simple tart with the plums baked for about ten minutes. and in 15 minutes you have a nice salad, the croque monsieur with the smoked salmon and the dessert. if you have ice cream at home, just a scoop of ice cream. >> you can have more of chef eric's recipes on our website, earlyshow.cbsnews.com. julie, plum tart? >> oh, i wish. only he can make something look so elegant and hearty at the same time. it looks so delicious. >> have a great day. your local news is next. we all have confidence and we all have doubt. but when the moment comes... what's going to win? 's rehe to confidence. gillette helps you look, feel, be your best. gillette. the best a man can get. with more eligible models to choose from than anyone. if yoer cnk lu w qualifies to be recycled, you can get a $3500 or $4500 government rebate. a us jnondd!t anceun if you qualify for the clunker rebate, u somay al qualify for 0% apr for 72 months. that means you can buy a '09 fmabuli $mo27bua 1 nth after a $3500 government reba adondo ay n pwnnt. p go to chevy.com for details. it's tuesday mornolorm ogt kik cumberland 73. our time lapse tower cam reveals haze in the atmosphere and our weather certainly feels like middle to the end of august with some uncomfortable middle and lower 90s approaching the area. southwest winds at seven. the humidity is 71%. here's more numbers. annapolis 76. it is 72 manassas. 81 already in anqu. co here's bu e thqutico. r reda tesathe e-itopr lo loop. keep your toe the west across west virginia. thunderstorms through charleston an a couple pop up here as we get the heat of the day. safe around lunch, 86 and partly cloudy. a couple of thunderstorms are possible at 5:00. 91 for the hot high and we have some action in the tropics i will be telling you about income a bit. here's angie with the traffic. we have action on the roads out there. a couple of tieups in maryland. that tops our traffic news. four minutes from the 9:00 hour and 50 westbound at 197 an accident is blocking the left lane and the hov lane. also on whitehall road that is where we have more crash activity. please be careful. watch for crews. we will take it outside and show you a live shot of the outer loop. the capital beltway. actually, that's new hampshire at 108. obviously drivers are stopped at a light. very volume light right now. colesville road and georgia avenue things are moving nicely. skip that and take it to 395. here's the shot. a smooth ride to the district. delays are starting to break apart nicely past duke street. now i will pass the pa baton over to weather kim. >> thank you. hurricane bill a category two storm in the atlantic. i think as all the computer models are hinting it won't be taking a swing at the east coast but could get strong tidal rip tides out of it as we think of the week. as for the weather we will be dancing around the 90-degree mark the next several days. scattered thunderstorms today and a couple more tomorrow and on friday. this will be a stronger front and behind it look at the weekend weather forecast. nice conditions moving in. 85 on saturday and 82 on sunday. the 9:00 a.m. show is up next. you have an appointment with us. see you there.