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CARLSBAD, Calif. (KGTV) - The purchase of a dream home nearly turned into a nightmare for a Carlsbad family, as they narrowly avoided a costly escrow scam.In late July, Greg Shoman and his wife were just days from closing on a four-bedroom home when he thought he got an email from his escrow officer with wiring instructions for the down payment to be sent that day. In the email, the escrow officer said she was busy and could only talk by email, before sending him a calculation of the closing costs. "You see so many emails and documents during the process, and you start to become numb to it ... Everything on the email - from the masthead to the signature - looked like the emails we had been receiving from the escrow company during the process," said Shoman.Shoman went to his bank to wire the money. His bank happened to be the same bank the money was to be transferred to, and the bank confirmed the routing number matched a non-business account in Wisconsin, not a California escrow company. After a call to the real escrow company, he learned the emails were fakes."Surprised and angry, and then ultimately relieved you didn't give away several hundred thousand dollars," said Shoman. Shoman isn't alone. According to the FBI, Americans lost 0 million to real estate fraud last year. In many cases, the scammer identifies pending home sales through the MLS and real estate sites and hacks the emails of someone involved in the sale, before sending out false wiring instructions."Be aware, be vigilant, and call your escrow company. Don't be afraid to triple check," said Shoman's realtor, Ilana Huff of Pacific Sotheby's.Shoman says the FBI is investigating his case. He says a closer look at the emails revealed the email address in the scam message was different from the email address of the real escrow officer. 1838

CAMERON PARISH, La. – Hurricane Laura made landfall along the Louisiana coast, specifically near the community of Cameron. Not much information has come out from there, in part because several of the roads that lead down there remain flooded. Highway 27, one of the main roads in and out of the communities of Creole and Cameron, is covered in water.A deputy with the sheriff’s office said they had not been able to return to their station in Cameron. They left Wednesday before the storm.The roads are barely passable there – in order to get to an elevated bridge on 27, drivers need to use a gravel shoulder between the main road and the waterway that runs next to it. About 12 miles from the shore, the road begins to flood.It can be a little deceiving here in coastal Louisiana because the coast is made up of bayous and marshes.Some people have taken it upon themselves to bring their personal boats in an attempt to get to some of those communities along the coast.The sheriff’s office said some people did ride out Hurricane Laura in some of those coastal communities, but communications have been spotty at best. As for the roads, the water will need to recede, before the recovery there can truly begin. 1220

CHICAGO, Ill. -- Historical housing practices in the U.S. have put many communities of color at a disadvantage. It’s not necessarily due to individuals being racist. It’s due to housing policies nearly a century ago that still affects people of color today, otherwise known as systemic racism.Chicago is a classic example of a city that’s still very segregated. Marketta Sims was born and raised in Chicago. She lost her mother at 14, was incarcerated for more than a decade, and upon being released, she became homeless.“Homelessness is mentally, physically, spiritually, emotionally draining,” Sims said.Sims says she was on the streets for a year and a half.“What’s my meal for the day? What am I going to wear? How am I going to take a bath?" Sims said. "And then people look at you like ‘oh, they just want to be lazy.' Some people actually have jobs and be actually homeless. And work like I did. I worked, and still was homeless.”Sims joined a program through a homeless shelter, moved into transitional housing and now she lives in an apartment with her fiancé. However, it wasn’t easy. She says it took a lot of hard work and determination to get there.“They make sure that you have to jump through all type of loopholes to get to housing,” Sims said.To understand the disadvantages people of color face currently, we must understand what was going on in the housing realm back in the 1930s. Kendra Freeman is the director of community engagement with the Metropolitan Planning Council in Chicago. The Metropolitan Planning Council is a planning and policy-change not-for-profit organization founded in 1934 to improve housing conditions in the city of Chicago. It was also in the 1930s that a practice called "redlining" made its way across the nation.“Redlining was an intentional process that was used by the real estate industry and the financing industry to really color-code communities and steer where lending happened," Freeman said. "So essentially if you’re in a majority black community or community of color, typically those were colored red and rated as undesirable high-risk neighborhoods.”Think of it as a stop light. Green meant it was a good community to invest in, blue meant it was fairly good, yellow meant you should take a step back and red was deemed hazardous. A lender or government agency was able to make decisions on who gets a mortgage and who doesn’t by looking at the maps and experts say it was a discriminatory practice based on the race and ethnicity of people who lived in a certain neighborhood.“It’s all remarkably racist,” Dr. Robert Nelson at the University of Richmond said.Dr. Robert Nelson is the director of Digital Scholarship Lab at the University of Richmond which has been working to develop an atlas of U.S. history. One project is called Mapping Inequality and shows how cities in the U.S. were broken up.It wasn’t just Black communities. Other minorities were singled out as well: Syrian, Japanese, Latino, Polish, and even Jewish. Dr. Nelson says it’s important to note redlining was a federal program produced by the federal government with federal oversight and it nationalized lending practice standards.“These are not maps that were just produced by banks that had discriminatory lending practices," Dr. Nelson said. "This is the federal government saying discriminatory racist lending policies is best practice in the industry.”Dr. Nelson says money was channeled to white, middle-class families, causing inter-generational wealth. In other words, they were able to build wealth and pass it on as inheritance to their kids.“Typically in America the way that you build wealth is through home ownership and real estate," Freeman said. "So when you look back to my grandfather, your grandfather and their ability to buy a home, and traditionally you get a job, buy a home, you raise a family and you build equity in that home – and you can use that equity to do things like send your kids to college or invest in a business, or help your grandchildren with a down payment for their first home.”Even though redlining became illegal through the Fair Housing Act of 1968, Co-Executive Director Giana Baker with the Chicago Area Fair Housing Alliance says decades of the practice contributed to racial disparities we see now and the disinvestment in Black communities for generations is clear.“If we take those same maps in that era that were created through the Home Owner Loans Corporation, those same communities on the west and south sides are communities where they have a rich legacy in the people who live there, but we also see that those are the communities that there are food deserts where there may not be grocery stores,” Baker said.Baker says even she is impacted.“In the community that I live in – which is a suburb outside of Chicago, but it is a predominantly Black suburb that has been disinvested – my house does not have the same value that it would have if I was just one neighborhood over.”There’s no easy solution to eliminating barriers of housing for people. Baker says her organization is advocating for everyone to have equal access to affordable housing, meaning people would be able to pay their rent and still have money left over for groceries, childcare and medical expenses.According to Freeman, the first step in American society should be shifting perceptions so people of color are seen as human beings with an equitable opportunity for housing and wealth. Then comes programs – like the one that helped Sims find housing – but what will make the most difference is a change in policy.“We can do things to help improve conditions through programs, but if you don’t get to the core of changing policy that holds those inequities in place, then you’re not changing the problem,” Freeman said.Changing policy is part of the work Freeman and her team is trying to do at Metropolitan Planning Council. However, she says it will take everyone to do the hard work of structural change.“Know that housing is a human right," Sims said. "I will stand and I will fight.” 6061

Catholic schools in the 39 central and southern Indiana counties that make up the Archdiocese of Indianapolis could deny enrollment to transgender students.As stated in a new policy, the decision would be made on a case-by-case basis."From a personal compassionate standpoint, you're hurting kids now," Belinda Drake said. "This has gone too far."Drake is a part of the LGBTQ community. She's also a candidate for state senate."Our educational system is supposed to be welcoming, it is supposed to be inclusive, it is supposed to provide everyone access," Drake said. "Now our most vulnerable children have to battle this."It's an eight-page document that calls for each decision to be made case-by-case. It notes students who may be confused on their sexuality can be admitted if they follow church teachings."I was heartbroken because at the end of the day they are discriminating against children," Drake said.The change goes on to say that children who have switched from their birth sex in any way may not be admitted."Policies have to include everybody regardless of how you love, how you identify, you still deserve an education," Drake said. "Our state is making progress. This was, to me, a slap in the face of what our Supreme Court just decided."The Archdiocese of Indianapolis released the following statement: 1330

CHICAGO (AP) — Chicago's Second City comedy theater is up for sale. The sale, announced Tuesday, is the second in the company's 60-year history. In a statement released by investment banker Houlihan Lokey, co-owner Andrew Alexander said a sale presents the opportunity for Second City to continue to succeed well into the future. Second City suspended all its shows and classes in early March due to the COVID-19 pandemic until further notice. Second City faced controversy in June when Alexander stepped down from the training and performance troupe due to allegations of racism within the company. Second City was an early training ground for "Saturday Night Live" players including John Belushi, Dan Aykroyd, Gilda Radner, and Chris Redd. 749