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But I have to tell you, an 8020 -- for those of you who don't know -- means that this is a person who bought a house with no money down. He got two loans, one for 80 percent, one for 20 percent.
The truth of the matter is both of those loans eventually will start to go up. A thousand dollars is a lot of money. Sweetheart, if I were him, I would probably either be looking to refinance and fix it at a lower interest rate, if I could -- chances are he won't be able to -- or sell the house, I'm sorry to say.
KING: Another e-mail from Alexis in New Port Richey, Florida: "I'm 46. I still have student loans, totaling about $40,000. I work two jobs. I'm trying to get those loans paid off ASAP. What's the best way to do it?"
ORMAN: Well, the question is should you really be getting -- wanting to get your loans paid off as soon as possible?
Again, remember, many student loans you are able to lock in a low interest rate. There are student loans of a few years ago that you could have locked in 2.77 percent interest. And, if you make under $50,000 a year, guess what?
Up to $2,500 a year is tax deductible. So, are you sure you want to pay off those student loans?
Some of you who have student loans at those low interest rates, you should stretch them out for as long as you possibly can and don't pay them off.
If that is the case, I'd rather see you take the money you would have used to pay off the student loans and start saving it for a down payment on a house, to put into retirement, to get yourself out of credit card debt.
However, if you're at a higher interest rate, the best way to pay it off is to get every penny you can and put it toward your student loan debt.
It's really that simple. It's not that complicated, everybody.
KING: E-mail from John in St. Louis: "Suze, my bank offers an identify theft protection plan for $12.29 a month. Would you consider this a wise investment or waste of money?"
ORMAN: Well, it depends on the company offering it, but probably it's a waste of money, because most identity theft kits out there are reactive rather than proactive -- reactive meaning once they see something has happened to your FICO score or on your credit report, that's when they actually notify you that something'...
If I were you, the easiest way to protect your identity -- and it won't cost you much to do so -- is just simply -- and every single person can do it -- put a fraud flag on your three credit reports. And that way they have to tell you anyway when somebody's taken, you know, are applying for credit for you. That's the b...
KING: One more call.
Aventura, Florida, hello.
UNIDENTIFIED FEMALE: Good evening, Larry.
Happy new year.
KING: The same to you.
UNIDENTIFIED FEMALE: And I'd like to speak to (INAUDIBLE)...
KING: What's the question?
UNIDENTIFIED FEMALE: My question is, I have a private mortgage.
UNIDENTIFIED FEMALE: And I pay 9 percent interest...
UNIDENTIFIED FEMALE: ...for 15 years.
What could I do or who could I go to, to get a mortgage privately, you know, from a bank where I don't have to pay 9 percent?
My FICO score is 640.
ORMAN: Well, your FICO score -- the highest FICO score range is 760 to 850. A 640 FICO score currently is not a good FICO score. And given the credit crunch that we're going through, banks right now are looking for borrowers who have a FICO score of 700 or above, and they have some money to put down.
So you might not be able to get a loan right now.
Do you have money or equity in that home?
ORMAN: You do?
So what you should do is you can go onto many of the online companies, such as LendingTree.com. You might want to go onto Lending Tree -- I have no connection with them whatsoever -- where you just simply go on, put in the information and see if you are qualified for a loan.
KING: Are you...
ORMAN: And if you are, then you know where to go.
KING: All right, we are almost out of time.
Are you optimistic?
ORMAN: I am optimistic.
Listen, do I think that the economy is in trouble?
Do I think a lot of personal people are in trouble?
Do I think we're going to get through this?
Is it going to be easy?
KING: Thank you, doll.
ORMAN: Thanks.
Happy new year, Larry.
KING: The same to you, dear.
Suze Orman. The new book is "Women and Money: Owning the Power To Control Your Destiny."
Rachel Ray of kitchen fame is next.
Don't go away.
RAY: A little bit of butter because everything's better with butter. I was really just killing time, chopping time. Ha-ha.
Look, how good does that look?
How good does that look, kids?
How gorgeous is that?
KING: We now welcome Rachael Ray, a return visit to LARRY KING LIVE. She is kicking off her second season in syndication, very successful, too. A "The New York Times" best selling cookbook author and as well as syndicating, she's also one of the superstars of the Food Network and reminds us that the year is 5767 in the...
Are you surprised at how well the show's done?
RACHAEL RAY, CHEF: You know, we were so busy just going to work every day and trying to build something that we loved and believed in, none of us, not one person on the staff was, you know, really looking at that until after it happened and it's wonderful. Yeah, it's terrific to be received.
KING: What surprised you?
RAY: Everything. You know? Everything. How much the viewers really have fun being a part of the show. How quickly they -- they were calling out to us and giving us great stories and giving us great feedback and just becoming a part of the whole process.
That really shocked me. You know, we had like 80,000 people signed up for tickets within, you know, the first month of our show and now it's 110,000 or something. It's crazy.
KING: What time slot are you generally in?
RAY: A lot of mornings, a lot of mid-days, afternoons. We are happy to be anywhere at any time.
KING: We went over to get a special peek at Rachael Ray's set-up yesterday and we did a little videotape. Watch.
KING: All right, Rachael Ray.
RAY: How you been?
RAY: Been eating well?
KING: I'm watching -- no.
RAY: Look at you. You're too skinny.
KING: Yes, I'm not eating well. Feed me, feed me.
RAY: I will. Please welcome --
UNIDENTIFIED MALE: Music. Take it. RAY: I'm getting a sing along. I have to put my business in. This is all of the great clothes I get to wear. That's a perk, baby. Fourth outfit, now we're doing change number five. This is where we make all the food for the green rooms.
KING: Do you always cook something new every day?
RAY: Oh my gravy, yes.
KING: My gravy?
RAY: My gravy. You know how you know this is a real home, it's got a real junk drawer complete with take-out menus.
KING: This is fantastic.
RAY: Isn't it terrific? It doesn't feel like a set. It feels like a home away from home. I love it here.
KING: Who designed that set? It is a fantastic set.
RAY: Joe Stewart, an amazing, amazing guy. But I decorated it.
KING: You never saw a blue refrigerator.
RAY: I love - our big chill it's called and we're raising money for an organization. We're having everybody sign a duplicate of that fridge, so you can go online at Charity Folks. You are on there.
KING: Now there's the downside of celebrity. You become a celebrity, a major figure. So therefore, you are the subject of tabloids.
RAY: I don't consider that a downside. I really don't.
RAY: No, I don't.
KING: They write about your marriage. You don't consider that a downside?
RAY: When John and I reported to be getting a divorce in the midst of it, we were having our only weekend off of the whole summer and John was making me a margarita. You know? A friend texted me, oh my god, I just heard, I'm so sorry.
If that's the only downside to the greatest life, I mean, my life is better than winning 10 lotteries. I do exactly what I would do on a day off from any other job for a living. I chat, I cook and I travel. And that's what I love to do. And I get to do the Yum-o! organization. We're trying to teach kids and their famil...
RAY: But all of that wouldn't be possible without that. Who cares?
KING: Did it bug you to have to publicly deny something?
RAY: No, not at all. I mean, again, if you look at it the right way, it is kind of flattering because they must say you helped sell papers to keep writing stuff about you.
KING: Do you have any idea where it came from?
RAY: No and I don't care.
KING: Wouldn't that bother you?
RAY: You know, I was a waitress, grew up in restaurants. People gossip about each other in restaurants, in any sort of job. You can work for a factory that makes gadgets and people are going to gossip about each other. That is just human nature. So, they print it up if you happen to happen to make a living on televisio...
KING: How did John react?
RAY: First he was angry, then he was sad. My mother's furious. Now we act react kind of the same way. We really do laugh about it because that's all you can do. My grandfather had a great rule. My mother taught it to us as kids. You have two choices in life, and that is it. You can either laugh or you can cry. You have...
KING: If you let the tabloid upset you.
RAY: You look silly. You just look silly. There are so many things that are truly sad going on in the world, to waste your time and energy on that is just silly.
KING: Were you surprised, though, at it? Were you surprised that you became a celebrity?
RAY: I was shocked that anybody wants to talk about me to that extent. I don't feel like a celebrity. I grew up in a service industry. I still consider myself very service oriented. You know? I still consider myself pretty much a waitress. I want to bring my customer, in this case my viewer or my reader, exactly what t...
I don't feel very much different in my day-to-day life and people don't treat me like a celebrity. When people come up to me, and they come to the show, they laugh, they giggle, they give me a hug. They bump me on the shoulder, they swap recipes. They talk to me like I'm like their next door neighbor, not like I'm some...
RAY: Of the hour-long show?
KING: Yeah.
RAY: Three or the equivalent of. Yesterday, the day you were there, we taped from five different episodes in one day.