missouri during the night. tornado watches in effect for parts of the region this morning. al will have much more on the severe weather gripping that portion of the country. >> illinois also under the gun as well. kentucky getting hit. in fact, let's take a look at duluth, minnesota, getting battered with strong winds, driving snow as the north part of the same system makes it to the east. it will be affecting new england in the next 24 hours with up to a foot of snow or more. we'll have a live report from duluth coming up in a moment. >> sounds like important information, al. also coming up, other important information from our 911 team that's standing by, ready to answer your questions including questions about what happens to a joint credit card after a divorce. also, if you're unemployed and dealing with piling debt how do you prioritize which bills to pay first? we have advice coming up this morning. >> we have relationship advice, too. the question is do opposites really attract over the long term? you know, at the beginning you may have liked that your partner was touchy-feely, romantic. but sometimes the differences weigh on a couple. we'll talk about whether emotional opposites can work. >> we have a lot to get to. let us also check on the headlines in the morning. natalie is at the news desk. she can do that for us. natalie? >> good morning to you. we begin with the powerful storm system that unleashed more than a dozen reported tornadoes in kansas, missouri and nebraska. officials report at least one death and numerous injuries and the governor of kansas declared a state of emergency. an apparent tornado, as we saw in harveyville, kansas, caused major damage as you see in this live picture again. the upper midwest is bearing the brunt of what could be one of the worst snowstorms of the season. the weather channel's mike seidel is in duluth, minnesota, feeling the wrath this morning. good morning, mike. >> reporter: good morning, natalie. this is about as bad as it gets. we have winds gusting to 50 miles per hour, whiteout conditions, the winds coming off lake superior. the biggest storm they had this season in duluth before this only 3.2 inches. that was last saturday. they have a three-foot deficit in snowfall. i don't know if you can zoom past me. it's a whiteout. this is a raging blizzard across the north lands of minnesota. minneapolis has had rain and snow. up here we have six to ten inches, blowing and drifting snow. whiteout conditions through the morning. the snow will begin to back off this afternoon. it's all headed into the poconos. we have significant snowfall, probably the biggest storm in the boston area tonight and tomorrow morning. natalie? back to you in the studio. >> you poor thing. mike seidel. take care of yours out there. police released 911 calls from the ohio school shooting monday that left three students dead and two wounded. kevin tibbles has the latest now from chardon, ohio. >> reporter: the 911 tapes convey the panic of the moment but they also reveal just how quickly students and teachers responded to save lives. >> 911. >> chardon high school. we got shots fired. gunshots. multiple gunshots. >> reporter: the frantic sound of 911 callers on tapes released by police. >> we need help. we need help badly. >> reporter: by the time the alleged shooter was in custody, this town of 5,000 people had been changed forever. five of chardon's children had been shot. three are now dead. danny parmertor, 16. russell king, jr., 17. demetrius hewlen, 16. the teenager accused of this horror, t.j. lane, was brought to the courthouse wearing a bulletproof vest. where the judge ordered him to remain in custody for his safety and that of the community. >> detention is necessary due to the serious nature of the allegations and charges. >> reporter: in court lane appeared close to tears and was heard saying to family members i am sorry, i'm sorry. authorities say lane confessed to the shootings and while they have not talked about the motive behind this rampage, the prosecutor did offer insight. >> he chose his victims at random. this was not about bullying. this is not about drugs. this is someone who's not well. >> reporter: while one victim remains in the hospital, this community did receive some much needed good news. 18-year-old joy rickers, also shot, has returned home to her family. her survival first responders say thanks in part to fellow student travis carver who delivered first aid moments after shots rang out. >> it was instinct. she was in distress. she was hurt. so i helped her. >> reporter: as the reality of the tragedy sinks in, more than a thousand people gathered again in chardon. >> always let your friends know you love them. >> reporter: a small town coming together in solidarity and remembrance. as t.j. lane is only 17 years old he is considered a minor in ohio, but with three people dead he is likely to be tried as an adult. his next court appearance is scheduled for tomorrow. natalie? >> kevin tibbles in chardon, ohio, thanks so much. it was a good night for mitt romney as the gop presidential hopeful reclaimed his front-runner status with key wins in the arizona and michigan primaries. it was a narrow victory over rick santorum in michigan. romney's home state, but romney pulled in a solid win in arizona. now all eyes are on next tuesday's super tuesday as ten states head to the polls. a mother-daughter afternoon horseback ride in australia turned into a near death experience when both horses got caught in quicksand-like mud and a rescue became a race against time as the tide closed in, but mother nicole graham bravely pulled her daughter and her horse from the mud before returning to save her own trapped horse and getting herself stuck in the mud as she tried to free him. she held his head up as the water got higher and higher. her daughter ran to call for help and rescuers worked for three hours to save them. thankfully, all are doing okay now. now to al for a check of the weather. quite a remarkable rescue. >> amazing stuff. thank you so much. now we'll show you what's going on. this is harveyville, kansas. you can see all the devastation that's happened overnight. this is the most scary time for a tornado to hit because a lot of people are asleep. they don't get a chance to react. as we go to the maps and show you what's going on, tornado warnings until 8:15 this morning central standard time. you can see there in just to the north of bowling green, kentucky, we are looking at severe storms moving in. we have tornado watches in effect just north of memphis all the way into southern ohio until 1:00 eastern time. here is the line of thunderstorms making their way through parts of the mid mississippi river valley. a risk of severe weather. in fact, the national weather service upped it to a strong risk of severe storms from southern kentucky into northern dixie. the storms are moving from 60 to 70 miles per hour. north of this system we've got snow to talk about. it will be a big, wide swath of snow making its way across the country into the northeast and new england. icy conditions to the north of new york city, mostly rain in new york. but anywhere from six to 12 inches of snow from central minnesota into new england over the next 24 hours. ." >> good morning. the rain will arrive and stick around for a while. some of the rain could be heavy at times, time for today's money 911. our team of experts help tackle your financial problems. jean chatzky is "today" financial editor and host of "cash call" which debuted last night. excellent job. david bach, author of "debt free for life." and sharon epperson, personal finance consultant from cnbc. we have karen on the line from wisconsin. good morning. what's your question? >> caller: good morning. my ex-husband opened credit cards without my knowledge. can i contact the credit card companies and/or the credit bureau to have them removed from my credit report? >> what do you think? >> this should not happen in the first place. the thing that all people, but particularly all women who are not keeping an eye on the finances need to do is check your credit report at least a couple times a year. then you will know what credit exists in your name. so as for you, by all means go to the credit card company. they will very, very likely start a dispute process. they will go through an investigation, hopefully get it removed. you may want to make sure the card is closed so nothing else could be attached to your name. and they may likely ask for copies of your divorce decree. get everything in writing. please, check your credit car reports. annual credit report.com is free. >> joanne checking in via skype from florida. good morning. >> caller: good morning. my husband lost his job four months ago. we are currently living on my income which unfortunately doesn't cover our monthly expenses. we have just about exhausted our savings and i don't want to pull money b out of the 401(k)s. we have about $30,000 in unsecured credit card debt, minimum monthly payments are about $1,000. we have a second mortgage for a boat which is not attached to our primary home mortgage. if i have to default on some of the debt am i better off defaulting on credit card debt which is unsecured or the boat mortgage which is secure? >> she has to prioritize. >> caller: how will this affect my score? >> sorry about your husband losing his job. first of all, credit card debt is unsecured. if you are talking to a bankruptcy attorney they would tell you that's the debt you should default on. what i will tell you is i don't want you to be in a default position now. i want you to take advantage of what's called a forebearance plan. call the credit card company, tell them your situation. there are millions of people like you. apply for the debt management plan. what that will do is they will give you relief. they may reduce the interest rate to as much as 0% financing for a temporary period of time. they will freeze the credit card so you can't use them but by reducing the interest rate to zero they will also waive annual fees and late fees. it may take the $1,000 minimum payment down to $5 00. you have to go to a nonprofit consumer credit counseling organization. they can refer you to somebody. you should meet with the counselor this week. even if you call the credit card company they will more than likely refer you to the nonprofit counselor to get into a debt management plan. that's what you should do this week. >> do you really need the boat? sell the boat. >> that's a no-brainer. >> get rid of the boat. >> thank you so much. to skype again for helene from new york. what's your question? >> caller: i opened a 0% credit card for purchases and transfers. afterward i was told they would charge me a 3% fee with no cap. i'm not sure if it's worth it to transfer a balance at this point. i want to transfer around $7,000. i have about an 8.25% rate on the other card. >> you're right to take a step back here and think it over. a lot of people go through the same thing. the deals seem great and when you crunch the numbers and read the fine print it's not as terrific as it seems. 8.25% is a great rate for a credit card right now. a low rate card is about 11%. you're doing well. you have to figure out what the break even point is for the balance transfer to see that 3% that will cost you over $200 or the 8% interest you will pay monthly. basically you need to have that 0% rate for at least four months. as long as you get it for at least four months you're okay. but the other thing to consider is are you going to make timely payments? are you going to pay on time every time? the one time you miss is the time the 0% goes up to 11% or higher. then the benefit is gone. you have to think about whether or not it makes sense for you at this time. >> thank you so much. good luck. now one last question from jessica in north carolina. she writes, i paid off a $10,000 line of credit. but didn't close the account. my husband and i are trying to pay off debt and get a house. if i close the account will it look batd on my credit report? should i leave it open and not use it? >> it depends on how they are reporting to the credit bureau. it could be reported as installment or revolving line of credit. if it is revolving, don't close it. if it's reported as installment, close it without hurting you. but you need to pull the credit report in order to find out. >> check that report. thank you so much. jean chatzky, david bach and sharon epperson. still ahead, how to connect with your emotional opposite. we have advice to make it work over the long haul. later on, can lindsay lohan make a comeback? 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[ male announcer ] eggo® waffles. simply delicious. he thinks you're naked. it just looks like my milk chocolate is showing. only a fool would think i'd actually show up naked. so it's that kind of party...hit it! ♪ i'm sexy and i know it ♪ look at that body not financially. so we switched to the bargain detergent and i found myself using three times more than they say to and the clothes still weren't as clean as with tide. so we're back to tide. they're cuter in clean clothes. that's my tide. what's yours? this morning on today's relationships, when emotional opposites attract. relationships, of course, have ups and downs, but frustration can set in when you're not connecting emotionally. here to help us work through it is psychotherapist dr. ludwig and jeff guardier. good morning. >> good morning. >> we know opposites attract. that could be in terms of temperament, but we are talking emotional opposites. >> in terms of how you love. it might be an extrovert with an introvert, somebody who's cold finding somebody who's warm, very appealing. it's more in terms of your personality type and what you're drawn to. >> this could be the thing that attracts someone. the fact that they are different might be appealing. >> that's right. positive and negative, put it together. it really is a situation of where they are seeking that person that's different from themselves, something they may want a little bit more of that they are not able to do. >> some people think, all right, you have differences. it might be appealing at first but ultimately the relationship is doomed to fail. do you agree? >> not necessarily doomed to fail. but say you are attracted to somebody who gave you love that feels familiar but doesn't feel like enough. ultimately we want to feel loved in the right way. if somebody has a different loving style that doesn't get us to feel love, that will create problems that could end the relationship. >> you have to speak each other's language. >> i don't think it is doomed to failure if you are able to compromise and communicate what it is you really want from that person and how you can change. relationships are about change. >> there are three attachment styles. first is a secure person. the second is anxious person. the third is avoidant person. the secure person is -- >> this is most common. this person feels secure with intimacy. this is most people. >> yeah. >> affectionate, hand holding. >> feels comfortable being hugged, feeling love. doesn't push it away. >> the anxious person is what? >> that's a person who maybe loves too much as far as being demonstrative. they're insecure in themselves. they keep hugging and holding and doing all the things that guys sometimes run away from. >> doubting whether the other person loves them back? >> there is fear. they feel the other person doesn't love them enough. >> and the third type is the avoidant person. that sounds pejorative, but is there something wrong with a person who doesn't love affection? >> well, everybody is born with a certain kind of temperament. this is a person who feels suffocated by somebody who is too over demonstrative and they feel that they lose their independence. >> if they love in that way. but they do love and being -- i don't like the term -- i don't like that word! >> you have to understand everybody is a little bit mixeded. >> of course. of course still love but it's like, okay, that's enough. get off of me a little bit. i love you, it's okay. >> say you have hooked up with an emotional opposite. what are tips you have? the first one is to figure out how to ask for what you want and need. >> right. if you're with somebody who doesn't love you in the right way physically. then you can say, listen, i would like a hug maybe in private. it doesn't need to be in public. but be as specific as you can. >> you say to realize all connections are imperfect. >> right. they are imperfect. we love the way we do. don't force that person to be someone they are not. you can draw a little bit from them. but be willing to give back. that's what we talk about with compromise. >> just to add to that, maybe when you know your partner, know they are showing you love the way they show love. maybe they work really hard to support you. or do taxes for you. whatever the case may be. >> that's love. >> sounds like somebody you know. >> remember, you chose this person. >> you chose this person. >> live with it and make the best of it. >> good to talk with you. >> thank you. >> coming up, brighten up your look with bold makeup colors for spring. eat good fats. avoid bad. don't go over 2000... 1500... 1200 calories a day. carbs are bad. carbs are good. the story keeps changing. so i'm not listening... to anyone but myself. 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