* are things that I need.

http://www.amazon.com/Nikon-Digital-3-5-5-6G-Zoom-Nikkor-Accessory/dp/B0021257SK/ref=sr_1_5?ie=UTF8&s=electronics&qid=1243010476&sr=1-5
This one costs $469.95 and comes with:
- Nikon D40 Digital SLR Camera*
- Nikon 18-55mm AF-S Lens*
- 4 Gigabyte Secure Digital Memory Card
- USB Card Reader
- Memory card Wallet
- Well Padded Multi Compartment Gadget Bag
- Deluxe Lens Care Cleaning Kit
- Full Size 59" Tripod with Case*
- Pack of LCD Screen Protectors
*I’d have to buy a second lens.

or
http://www.amazon.com/Nikon-D40-3-5-5-6G-Zoom-Nikkor-SecureDigital/dp/B000ZGU4V4/ref=sr_1_14?ie=UTF8&s=electronics&qid=1243010476&sr=1-14
This one costs $639.95 and comes with:
- Nikon D40 Digital SLR Camera*
- Nikon 18-55mm AF-S Lens*
- Nikon 55-200mm AF-S Lens*
- 4GB HC SecureDigital Class 6 (SDHC) Card
- USB SecureDigital Card Reader
- Image Recovery Software
- Nikon SLR System Case – Gadget Bag
- Memory Card Storage Wallet
- Precision Design 6-Piece Deluxe Cleaning Kit
- Cameta Microfiber Cleaning Cloth
*I’d have to buy a tripod.

so the only difference for me is that one comes only with a 18-55mm lens and a tripod(no second lens). and the other comes with 2 lenses but no tripod.

which one looks like a better deal?

Maybe you would have to buy a tripod. There are very few times photographers actually use tripods, when you look at the total shots vs. shots with a tripod. Maybe less than 5% of the time, so you could wait on the tripod. The second lens however, if you like to shoot action, sports or wildlife, the added lens will be a huge addition to our system.

Later you can buy a very good Tiltall tripod for under $120 when you really need one.