chile, where the scene is just remarkable, those 33 miners who have been trapped under ground for 70 days now, are being brought to the surface one at a time. just an incredible reunion with their family members. and it's wednesday, that's the day we always like to help folks with their financial emergencies, with our "today's" money 911, today we'll be telling you how to put away a little bit of money even if you're living paycheck to paycheck. we'll be answering oppressive money questions "today." >> how do you plan a holiday celebration? sharing tips on how to get stains out of your dress or jacket if you party too much. tips on how to get stains out fast and easy. also earlier we talked about hollywood couple courteney cox and david arquette who talked about it on a very candid radio interview about their relationship. >> that's crazy. >> it you want to get back together it might be crazy. >> that trial could become permanent. let's go inside, amy robach standing at the news desk. we have got a check of the headlines. >> good morning, matt, good morning, everyone. 33 miracles at the mine after being trapped half a mile under ground for more than two months. 33 miners in chile are being hoisted to freedom. "today" national correspondent natal natalee morales is in copiapo, chile. >> the rescuers are now continuing ahead of schedule, the 11th miner jorge diaz, the hugs and the tears and the emotional scene that continues to play out over and over again here "today." a miracle at the mine after 70 days, trapped under ground, the first miner emerged. just after midnight local time wednesday morning, 31-year-old florencio avalos made to it the surface. his 7-year-old son made it to the surface. the family reunited for the first time in more than two months. in a tent not far away, florencio's brother watched on tv. it's an unbelievable scene here, it's impossible to have a dry eye, as you can see, the very first moments, the very first hugs, one of the most emotional experiences, seeing the grown men out there, the reporters covering this story, everybody's crying. one hour later, the second miner emerged. mario sepulveda embraced his wife. then an unexpected moment, sepulveda reached inside a bag and pulled out some rocks, handing them out to rescuers as souvenirs, and this miner known as the comedian as the bus laughed it up with the president of the chile. every hour on the hour, rescue after rescue, after rescue. over and over these brave men won the hearts of people all over the world. 33 miners, once strangers, now international heroes. and the mine minister now says he tweeted just a short while ago that they have been able to increase the speed of the rescue operation, one miner every about 45 minutes or so. meanwhile an interesting point here is that chile's children, the school children have actually been given the day off from school, amy, so they are celebrating this almost as a national holiday. >> as it should be. natalee morales in chile, thank you. nato says six service members were killed today by three separate attacks in afghanistan and in a separate report, eight crewmembers died when a plane crashed outside kabul. and just back from sudan, george clooney met with president obama asking that he do all he can to stop the violence. clooney said in his words, if there is some way to get ahead of this and stop it before it happens, we better. a georgia woman was stunned when she received an electric bill for more than $1 billion. a company official laughed at the mistake and then quickly fixed it. it is now five minutes past the hour and here's al with another check of the weather. >> did she do this when he did it? let's check your weather and see what's happening, we have got a lot of rain down in southern florida, you can see hurricane paula down there just -- we have got a lot of sunshine, beautiful weather in the pacific northwest. the heat continues out west. 91 in san francisco. warmer in san francisco than it is in l.a. 98 for phoenix. we're looking at sunshine through the >> it is a significantly cooler today than yesterday. high temperature of 67 under mostly sunny great music for "today's" money 911. whether you're living paycheck to paycheck or saving for retirement. our team of experts is here to help. we have got jean chatzky, author of "money 911." and the author of "start over finish rich." let's get started. we have got an e-mail, our first question is from kelly, she asks, i have $50,000 in student loans a 15,000 car loan and $8,000 in credit card debt, my husband and i do contribute to our 401(k) plans at work. how can i save more for the future when i'm living paycheck to paycheck. should i stop contributing to my 4 1 k and focus that money towards bringing down my credit card debt? >> see if you can qualify for some sort of income based repayment program that could lower your payment. bottom line is i don't want you to stop contributing to your 401(k). you may have to make a more difficult choice. look at the rent that you're pay foggi ing for that apartment in the city. maybe you can look a little further outside the city or another borough. >> you don't want to dip into that savings to pay for your credit cards. make sure you have some emergency savings too. >> let's head out to the west coast via skype, let's say hello to annie who's joining us. what is your question? >> my husband and i were married for 17 years and he just passed away. >> i'm sorry to hear that. >> thank you. we kept our finances separate including our house and in going through his finances, it looks like he was very far in debt. >> how much credit card debt are we talking about? >> six figures. >> and you did not co-sign for any of these credit cards? >> that is correct. >> that's the good news, and i'm really sorry about your husband's loss. first of all, when someone passes away, the estate basically has to be settled. so typically what will happen is the estate is settled and debts are paid off first and anything that's left over is paid out to the beneficiary. in your case, if the estate has more debt, quite clearly what will happen is that you more than likely will not pay those credit card debts. depending on the state, every state has a different law. you're in a different state right now. if you get yourself an attorney and you fight this, you're going to come out and you're going to win, because you didn't co-sign for the loan, your husband patched passed away, you had no knowledge of his credit card dead, and you can show that you didn't use anything that he bought. so i would get an attorney before you pay any of those debts off. >> thank you and again, we're sorry for your loss. now let's go to janice from cherry hill, new jersey. janice, how are you? >> i am fine, thank you and good morning to all of you. >> what's your question for the panel. >> my husband is here as well and we both want to thank you all for taking our call. we are retired and we have been advised to put our retirement funds into a variable annuity. could you please explain what variable annuities are and if you think they're a wise investment for retire retirees. >> janice and joel are very smart to be looking into what these are because i'm not a huge fan of them. they can be very confusing and very expensive. but basically here's what a variable annuity is, you're going to take a chun of course your retirement fund and put it in this investment insurance hybrid and you can select from the ones that they make available to you and then you're going to get a regular payout, like a paycheck, it's going to go pannup and down based on the market's variations. why i'm not a big fan is sometimes you can take a big chunk of that payout to go to those fees and that can be very expensive. and there are a lot of different types of annuities that you can choose from, you want to make sure that the person that's trying to sell it to you doesn't have a financial incentive to try and get you to get this product. if you're getting social security, you're getting a guaranteed income stream there. and if you have any kind of a pension plan, you might not need to borrow, you might look at all the options that you v. >> a variable annuity is an investment account and you're paying for insurance inside a variable annuity to have tax deferral. you don't need a variable annuity inside a tax deferred account. >> janice and joel, i hope that helped you out. thanks so much. for those of you on the east coast, sharon epperson is going to be sticking around in the next hour to answer your urgent financial questions. don't let a stain ruin your party. we're going to show you five family friendly getaways for that next big vacation with the kids. but first, these messages. wow... what is it? 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[ female announcer ] olay regenerist. ♪ now the healing power of touch just got more powerful. introducing precise from the makers of tylenol. precise pain relieving heat patch activates sensory receptors. it helps block pain signals for deep penetrating relief you can feel precisely where you need it most. precise. only from the makers of tylenol. it's happened to most of us at one point or another, you're at a party, someone bumped into your glass of wine. rosemary ellis is editor-in-chief of good ho housekeeping magazine. let's get to the red wine, your top or whatever is ruined. >> the unavoidable red wine stain, someone is always backhanding at a dinner party. but there's an easy fix. i'm going to make a mess here. so this is what happens. what you want to do right away is get a towel or a paper towel and blot up the excess. >> a lot of people think club soda or water. >> water is fine and you can use club soda too. but first of all you want to get the main amount of liquid out and then you do want to sponge it with cold water, and there's a really easy trick that you can do, so you can take, you want to dilute the stain and then put a paper towel underneath and a paper towel above. this is very well secured here. and then you can just take a serving dish, and put it on top and let it sit and while you're finishing your dinner party, the paper towels under the weight of the serving dish will help absorb the wine. the salt is a great trick. you just take the salt shaker and you put a little mountain of the salt right on top. cover the stain completely, just keep going and you leave it alone until the next day, and the stain will dry up into the salt, wait until it's totally dry and it will not be there at all. >> people end up with a lipstick smear on your collar. >> this is what you get. it's a tough stain to get out, but there's a very easy fix. just get one of the premoistened makeup remover towel lets, you want to squeeze it until you see the liquid. >> makeup remover won't hurt what you're trying to remove? >> you turn it upside down, and you want to dry this out, not rub it in. and you squeeze it until you can see it come out and then you transfer it. and then you tamp it and sort of rub it. you only have to do this for a few minutes. it's very nice, it makes a transfer and then you're done. >> let's get to the salsa. >> salsa is tough, because tomatoes really stain so what you do, is when you've got salsa on, again, the first thing you want to do is you take off the extra, you turn it upside down, you rinse it with water. okay, so i'm just going to dip it here too. okay, and then what you want to do is, you treat it with -- you turn it over, you treat it with a little stain remover treater and you let that sit for a few minutes. >> what if the item is dry-clean only. >> this works on table -- most table cloth and napkins are not dry-clean only. what i would do is i would blot it immediately. the sooner you treat a stacin, the easier it comes out. you take white vinegar, a little vinegar will actually negate the licopene and that takes the color out. >> and gravy. >> you don't even have to get up from the table. what you want to do is you take the end of the spoon or a knife and you scrape the excess off. and here's a great trick. get a piece of bread. put it down. cover it up. this will absorb the stain. >> you're great with stain removal. >> this is an oil based stain so water won't work on this. >> rosemary ellis, thank you very much, i think people will find this valuable information. up next, they heated up our plaza on monday, 51 sexie 1 hot bachelors in the country. enjoy things again. to [ woman #3 ] i feel these aches and pains. [ woman #4 ] the guilt. [ man ] my sleep just isn't right. [ woman #5 ] i'm so anxious. [ man #2 ] i need to focus. 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[ female announcer ] granola nut clusters from nature valley. 100% natural nuts and granola in bite-size clusters. it's a little bit of nature... a little bit better. ♪ and nature approves. ♪ granola nut clusters from nature valley. the taste nature intended. on tuesday, we introduced you to 51 of the hottest fashions from across the country, courtesy of cosmo magazine. we thought they all deserved to win. but last night the 2010 bachelor of the year was crowned and this morning, editor-in-chief is here with that bachelor. what do you door go a living? >> i cook at a restaurant in cleveland. >> he cooks. women like that. and who nominated you? >> a friend of mine from college, his now ex-girlfriend. >> his now ex-girlfriend. why did you all choose him? it was a tough choice? >> great body, great personality and he's a martushev. -- chef. >> how do you feel about the win? >> it's awesome. i certainly wasn't expecting it and i'm a lucky guy. >> are you happily single or are you looking to change that status? >> let's see what happens now, what got me here was happily single so we'll see what happens. >> did you find any love interests at the bachelor party last night? >> i had a good time. >> congratulations, nick, we appreciate the segment every year. next up, local news and weather. . we knew the perfect place to go. man: cheers, everyone. i guess i did okay. i knew they'd love him. introducing olive garden's two new sacchetti dishes. stuffed pasta pouches filled with four italian cheeses. with herb marinated chicken breasts in a garlic cream sauce. or with savory sauteed shrimp. both served with our unlimited salad and breadsticks. it was a great time. and good practice for my parents. olive garden. when you're here, you're family. go-gurt is specially made to freeze and thaw by lunch time? so kids can have their favorite yogurt in their lunch box go-gurt. freeze it. thaw it. eat it up. thaw it. bob ehrlich says he wants to fix maryland. but he increased state spending by record amounts. ehrlich raised $3 billion in taxes and fees... including property taxes... and a 40% increase in college tuition. and now he's made over $1 billion in new promises... with no plans to pay for them... except for cutting education. cuts that will lay off teachers and increase class sizes. that's not a budget. and bob ehrlich's not the kind of leader... we can trust. cooked numbers, false attacks. the truth? frank kratovil is ranked one of the 10 most independent members of congress. frank kratovil does not follow anybody's party line he looks at his district, his family, the community, and that's the important thing to him. endorsed by the chamber of commerce, the nra, veterans, and police officers. as a career prosecutor i made decisions on facts not politics, in washington i've tried to do the same. i'm frank kratovil and i approve this message. >> live, local, latebreaking. this is a wbal-tv 11 news update. >> it is going to be a nice day today, but cooler than the last couple of days. beginning of the week we were in the 80's. today we will be 64 and 69 under mostly sunny skies. good chance for rain on thursday. is going to get chilly with a chance for the demographic study i proved to be most popular, males 11 to 24. of course you don't look a day over 12. does the force require you to work out? >> no, ma'am, because of my boyish good looks, muscle mass and acceptance as a police officer. >> courtney cox and david arquette met on the scene of "scream." they have a 6-year-old daughter together. they announced they're going through a trial separation. they say they're going to be parents and best friends. they were pretty candid about what was going on. . >> also ahead, if you're planning on a vacation, but you're looking for a place with a lot of activities for the kids, we're going to show you a lot of places. >> something close to my heart and my tummy, southern cooking from chicken and cornbread casserole, upside down cake, oh, my goodness, we're going to show you some favorite down home recipes. >> when you see this book, it's like o1001 recipes. >> there's a lot of butter in those recipes, you need it every once in a while. good for the soul. >> let's take a look and show you what's going on, we have got sunshine up and down the east coast, it's going to hot in san francisco. 91 degrees, sunny and hot, mild up in new england. we have got heavy rain down in florida. already feeling the effects of hurricane paula. heavy rain moves into the northeast tomorrow, showers in the pacific northwest. hot in the southwest, some showers around the great lakes, sunny and warm, gulf coast into the mid mississippi river valley and on into the central plains. >> we are off to a quiet but cool start. temperatures in the 80's this afternoon. closer to average and that's your latest weather. >> thank you. and the reason behind the split of courteney cox and david arquette. if you fight to sleep in the middle of the night, why go one more round ? 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[ man ] ♪ today the world looks mighty fine ♪ [ women ] ♪ pop-tarts happy sunshine time! ♪ [ man ] ♪ grab a pop-tart and you might just start ♪ ♪ to sing songs like a meadow lark ♪ ♪ stretch and yawn ♪ blow a kiss to mom ♪ cause pop-tarts mornings are the bomb ♪ ♪ so, rise and shiiiiine ♪ cause pop-tarts mornings are the bomb ♪ ♪ your favorites, in pieces. activia is better than ever! hey, you guys. want to try activia's great new taste? isn't this the yogurt that, you know... helps regulate your digestive system. ooh, i think i'll pass. no, no, no! trust me. it is beyond tasty. mmm! wow! i can't believe it, i love it! mmm, this is really good! new best tasting activia ever! ♪ activia now you can join the fight against breast cancer every time you enjoy an activia. give hope with every cup of activia. . they're calling it a trial separation, courteney cox and david arquette not only come confirmed they split up but they have been apart for quite some time. >> reporter: she may be a cougar now, but to most of us, she'll always be that neurotic friend. >> i have been waiting my whole life to be engaged and unlike some people, i only plan on doing this once. >> reporter: her real life friendship with david arquette was a hollywood marathon, after they first met on the set of "scream." but she may have screamed a bit tuesday when arquette took to the airwaves with this. >> we have not had sex in quite a -- at that time, a month or so. >> reporter: just a day after the couple announced that they were separating to better understand themselves arquette calls into howard stern's radio show to air some of their pillow talk. >> she said i don't want to be your mother anymore. i got it. >> reporter: he wanted to fend off rumors of infidelity and he says the couple was on a break of sorts. >> i had sex with a girlfriend once. >> so she's not your girlfriend. >> under the terms of our separation, i was allowed to meet other people. >> the other person is reported to be jasmine waltz, well known in celebrity circles. she was even accused of punching lindsay lohan at one point. but she had no comment tuesday on any relationship with arquette. >> when her name came up, it was ant big surprise to people in hollywood that he might have been hooking one this girl. >> reporter: will it matter in a possible divorce? most agree, probably not. >> it could, but from a legal perspective, it has no play. >> courtney is free to see other people too. >> maybe. >> she wanted to be just friends with her spouse, so is there a "friends" curse. it seems that they only have about a 50/50 chance of living in wedded police. matthew perry, still single. the exceptions, lisa coup droe and david sch-- as for courtene cox and david arquette, both say they're just friends. >> great vacation ideas to that get away with the kids right after this. 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[ ma announcer ] old el paso super stuffers. 33 larger shells. feed your fiesta. but when i take four pork chops and sprinkle on a packet of hidden valley ranch, i get something that's anything but traditional... ranch pork chops. [ male announcer ] hidden valley ranch. mix it up. [ male announcer ] hidden valley ranch. mmmmmm. mmmmmm. wow! you have got to be kidding me. 80 calories? light & fit has 80 calories versus 100 in the other leading brand. light & fit. irresistible taste. fewer calories. i love light & fit. a lot of vacation destinations are offering activities designed with your little ones in mind. the best getaways, you're going to show us some great places to go with the kids. i think all parents are looking for that, and for them to have some structured activities. do most places offer directed activities? >> they're tried and true. some places do have things included, some places don't. we have two clear signs we're going to be talking about. on a cruise ship, everything's included. so you know you don't have to worry at all. >> we're getting into that peak travel time so are there still some good deals to be had out there? >> if you're still thinking about your thanksgiving and christmas plans, we're talking about look widely and good prices attached. >> let's start with the inn at palmetto bluff. >> this is the property that nabs number one in all the u.s. and canada. it's beautiful, it's plantation style. there are no cars allowed. so you can really enjoy nature up close and personal. >> next we have the water color inn in florida. and they actually have a kid's camp there? >> they have a kids camp and a teens camp because the older kids don't like to hang out with the younger kids and they don't even like to be called kids. they actually have a great program. they are number one in florida. and actually i love, which is a friday night kids night which basically to me means that basically that means that the parents -- >> free baby sitting. >> parents night out, whether you want to go to the spa or to a great restaurant. 600 acres of powdery white beach. >> the homestead in. if you are looking for lots of activities, the homestead inn is the place to go. it dates back to 1902, so this is a place with a lot of historic southern charm. and everybody loves a little southern hospitality. if you want to go fly fishing, trail riding, they have an arcade, they have a bowling allie. there's nothing you can't do. $185 a night, starting rate. >> it seems like that would be so expensive. >> it has almost 500 rooms so you're likely to find availability there which is very important. >> let's talk about those cruise offers. the first one you're going to tell us about is a larger cruise ship, we know that disney knows how to do kids really well. >> disney knows how to do kids and a lot of people don't realize that disney knows how to do cruising. so you're going to get the welcome from mickey mouse. the kids are going to be able to play with snow white or send darrell la. there's also adult entertainment away from kids because they're going to be so busy they won't even miss you. >> we keep talking about alone time, adult time. but that's really what it's all about. >> a vacation isn't just for your kids, it's for you so you need a little r and r. >> let's also talk about another cruise ship, this is a smaller one for families. it's affiliated with national geographic. does this mean it's going to be a little bit more adventurous? >> you know exactly what you're talking about. whether you're going to the gal lgal -- you're going to get, their staff to guest ratio is 1 to 16. that means there's not a lot of guests there. it is expensive, but these trips of a lifetime. these trips to the galapagos, you're not going to get the same experience if you're there with people who are not trained. they have underwater moving vehicles like a submarine almost that people can use. and microscopes that are video microscopes so when you pick up something from the ocean, you can examine it. >> trips of a lifetime. >> exactly. >> coming up next, "today's" kitchen. but first this is "today" on nbc. i need a home performance with energy star audit. this sensor will show why my living room gets too hot and too cold! get up to $2,450 dollars in rebates and keep saving with home performance with energy star. get started at bgesmartenergy.com. ♪ brendan haywo here with recipes from his new cookbook, 1,000 ways to cook southern. this is one big book and it's got a lot of recipes. you start with a cast iron skillet. this is one of the most versatile pieces of equipment you can have in the kitchen. >> what you can do now is you can pick them up at your local grocery store. but the one that you get from your mother or your grandmother, they can be a little bit rusted so i'm going to show you how to season it. take some vegetable shortening and i go ahead and rub it well into the cast iron skillet. just rub it, and once this is done, you stick it into a 350-degree oven for about an hour, upside down with a little sheet of aluminum foil to catch the oil. that's it. >> so you've got a chicken cornbread casserole? >> we can actually flip it out. and whenever i flip, i always make sure that the plate is substantially larger than my actual pan. so we flip it over. >> and the flower's in there. >> and we can get a little wedge to this and it makes the best cornbread and the pan is just so versatile. >> you don't want to buy cornbread, you want to make this? >> you can use a mix if you want. i'll not hold it against you. i'm going to show you another versatile way that you can use a cast iron skillet. we're actually going to make a casserole. this is our chicken and cornbread casserole, it's kind of like a cornbread sandwich. i want you to stir together the cornbread. and once you do that, we just layer half of that into the bottom. just half. and i'm going to finish sauteing this with a little bit of oil. so what we're going to do is we're going to add the rotisserie chicken here, you can pick that up at your local store. we're going to add that into this. then i want you to dump in the eggs right there, and the mushrooms and the seasoning, that's red pepper and a little bit of sour cream. go ahead and mix that up. >> that's all good. and we're going to layer it right in here. there you go. and then we pop it with the remaining cornbread mixture that we have. now we're done, all we have to do is let this rest for a second. slide it into a 350-degree oven for about five minutes, then we're going to put some cheese on top. there's one more thing you can do with cast iron. breakfast, lunch, dinner and dessert. what we have is our pineapple upside down cake. i want you to put the cherries in there. >> maraschino, cherries. i. >> i actually used a cake mix. we're all about making it easy. >> the judges took some points off. >> but what you can do to make cake batter taste better, we added a little bit of the pineapp pineapple juice. >> so you put that on. >> i came to help you. >> we put this in a 325-degree oven for about 30 minutes or so. try that. >> and then this is our fen initiated cornbread chicken casserole. . >> 1001 ways to cook. >> live, local, latebreaking. this is a wbal-tv 11 news update. >> we are off to a quiet start on this wednesday. mostly sunny skies this afternoon. temperatures are going to be cooler than in the last couple of days. today, mid-to-upper-60's. good chance for rain tomorrow. showers on friday. showers on friday. i'm frank kratovil and i approve this message. the real andy harris. his past attacks have been called deceptive, his new attack, false. harris voted for deregulation increasing our electric bills by 72% it's not surprising, harris always sides with the big guys. he opposes cracking down on wall street and supports tax breaks for companies that ship jobs overseas. harris even opposed making big insurance cover cancer screenings. andy harris' extreme ideas will cost us.