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In a newly released documentary that debuted during the Rome Film Festival, Pope Francis made a statement supporting same-sex civil unions, the first pontiff to take that stance.“Homosexual people have the right to be in a family. They are children of God,” Francis said in one of his sit-down interviews for the film called “Francesco.” He went on to say “You can't kick someone out of a family, nor make their life miserable for this. What we have to have is a civil union law; that way they are legally covered.”Patrick Ambrosio, a leader in the San Diego gay and catholic community, said hearing this news feels like a step in the right direction.“In my Catholic faith, I’ve had a lot of struggles. I’m still blessed to know I still have a lot of support from my fellow catholics that are still supporting openly gay people like myself after all these year,” said Ambrosio.While the statement is a first and could create change in some parts of the world, Kevin Eckery, spokesperson for the Catholic Diocese of San Diego, said it won’t change anything in California.“Marriage is two different aspects. You’ve got the legal aspect which is we’ve got a marriage license from the state of California. And the religious aspect,” said Eckery.The Pope’s message addressed civil unions, not the sacrament of marriage, which has to be between a man and a woman. This will not change. Eckery added that the Pope has a history of making comments of support toward the gay community, so this is nothing new.“Nothing is changing about sacramental marriage and marriage within the Church. It’s just his way of reflecting on the laws surrounding marriage and the dignity of the individual,” said Eckery.For Ambrosio, it might not be a direct change locally, but it’s a step in the right direction. He hopes same-sex couples will someday be able to participate in the sacrament of marriage.“Seeing this on the news today is such a great exposé for the civil liberty, the civil union because it’s the first step to getting to that stage,” said Ambrosio. 2049

If you’ve been thinking about buying a car, experts say now is the time to shop. Dealers are offering more incentives than ever before to get drivers back on the road, and because of the coronavirus, you can stay home and find a good deal.“It’s the way the world is going now,” said recent car buyer, Stephanie Given. “Everything’s online.”Given is an ICU nurse working on the frontline of the pandemic, and in the midst of the health crisis, badly needed a new car.“We needed that second vehicle, the more reliable vehicle that we knew would be reliable in this time,” said Given.Her nearly 15-year-old ride was giving out, but, walking in to a dealership made Given anxious. “I have been under a little stress in my work life and personal life, and I was kind of dreading the stress of buying a car,” she said.So, she started her search online. “I found the car online through the Carmax app, and I was kind of let down when I saw the car was in Las Vegas, and it was just a couple seconds and they said, ‘We can ship it to you,’ and I said, ‘What? That’s amazing!’” said Given. Not only did she find the car she was looking for online, she did all the paperwork at home. “I kind of had a hybrid experience. I did my part online and then came to the dealership to pick up and take possession of the car,” she said.Given’s experience is now becoming the norm. Dealers are making it possible to do everything, from shopping to financing, from your couch. Some dealers, like Carmax, will even drop off the car at your door.“We want to take the scary four-hour dealership visit that you’d expect, and allow you to do as many things as you want at home,” said Corey Haire, the Vice President of sales at Carmax.“You can do everything from a virtual walk around where they’ll walk around the vehicle with a facetime phone call and take direction from the consumer as to what they want to look closer at,” said Karl Brauer, an Executive Publisher at Kelley Blue Book and Autotrader.Brauer believes this new way of doing business is here to stay. “I think it’s proving more efficient on both sides,” he said.Brauer said the car industry is expecting to see a big bounce back through the summer and fall. “People are moving into more confident, purchasing mindsets,” he said.According to Brauer, new car sales are down by about 31% compared to spring 2019, but used car sales haven’t taken such a hit—down only about 6%.“I think there are a lot of people are thinking maybe they want their own personal vehicle in lieu of public transportation, but these people aren’t buying a car because they’ve dreamed of one or have wanted one, this is purely for functional purposes,” said Brauer.So if you’re looking for a deal, Brauer said the first step is research, and then, look for combined offers.“We’ve seen deals for 0% financing, which were getting pretty rare recently. We’ve seen deals like deferred payments for three to four months, but we’ve hardly ever seen both of those at the same time,” said Brauer. Some dealers are offering longer term loans too. “If you’re looking at a new vehicle, and one of these 0% 72 or 84-month loans are available to you, that’s real money you’re saving over that kind of time,” he said.If you want the new car smell without the new car price, check out a 2019 model. “They were going to be hard to sell anyways with the 2020 cars coming out, but now they’re even harder to sell with all the incentives going on for the new cars,” he said.Brauer reminds buyers that, with any purchase, make sure you’re financially ready. For Given, she said the car and the price were just right, and the online process sweetened the deal.“I do think it was a little bit of retail therapy. I did something for me during this time, and I needed to do that, but it also filled a need, so it was a win-win,” she said.Need help researching the best car for you? Visit resources HERE. For tips on the car buying process, click HERE. 3949

I will be announcing my Supreme Court Nominee on Saturday, at the White House! Exact time TBA.— Donald J. Trump (@realDonaldTrump) September 22, 2020 157

IMPERIAL BEACH, Calif. (KGTV) - The daughter of PGA star Phil Mickelson will make her acting debut in a movie partially shot in San Diego.Sophia Mickelson has a featured role in Ruta Madre, a coming of age story about a singer who discovers his family and roots on a road trip through Baja.According to the movie's website, Ruta Madre deals with issues of self-identity in a bi-national region."It reflects the feeling of many Latinos, especially Mexicans, who have emigrated or were born here, but who have not they feel neither from here nor from there,” director and screenwriter Agustín Casta?eda said in a 2016 interview.Mickelson plays "Daisy," the lead character's childhood crush. She says the story has meaning for people on both sides of the border.RELATED: San Diego film highlights bi-cultural relationship with Mexico"One of the messages that stood out a lot to me is the importance of family," says Mickelson. "Having strong roots in the SD community as well made me want to revisit those kind of family connections and place more value on it."Mickelson's family is well known in San Diego. Her father, Phil, has won 44 events on the PGA tour, including 5 major championships. He's arguably, San Diego's favorite golfer.Sophia hopes the city will embrace her film career the same with people here have rallied around her father. But she says her parents have done a great job of supporting her dreams while not putting any pressure on her."I think they're very supportive of me having my own path and not having to do anything in line with what they've done," she says. Sophia also told 10News she hopes to go behind the camera for her career and work as a director.She's not the only young star of the movie with San Diego ties.Jordi Bertran, who plays a young version of Daniel, is from San Diego as well. He's known around town for roles he's had on stage at the Old Globe."This film feels like a San Diego film," he says. "The story is ultimately about finding your roots. That's really important now because a lot of times it's easy to forget where we come from."For more information about Ruta Madre, including how to watch it in San Diego, click here. 2180

In a crisis, long-term planning may lose out to quick and dirty solutions — regardless of the consequences.As the pandemic and its economic fallout continues, more cash-strapped consumers could fall into this trap if the Great Recession is any indicator.A recent report by the Consumer Financial Protection Bureau found that from 2007 through 2010, debt settlements — which can be financially risky — increased. Meanwhile, credit counseling, a debt relief option that keeps consumers in good standing with their creditors, declined.Before you hit a moment of crisis decision-making, understand how to think through debt relief options.Why debt settlement isn’t all it’s marketed to beYou’ve probably heard the radio ads or maybe received a robocall promising a solution to your debt that can cut what you owe by 50% or more.Debt settlement claims are as lofty as the industry’s marketing budget. But these programs aren’t all they’re hyped up to be — and the ads gloss over the downsides.With debt settlement, you stop making payments to creditors and instead direct your money to the debt settlement company, which holds it in an escrow account. Then, typically after several months, the company contacts your creditors and haggles to cut a deal where the creditor accepts less than originally owed. This period of waiting between when you stop paying creditors and the debt is settled (which isn’t guaranteed) is where things can go awry.“There’s no free lunch,” says Glenn Downing, a Miami certified financial planner. “There really are some significant trade-offs with debt settlement. I’d try to make it a last resort.”Debt settlement risks include:Leaving yourself open to lawsuits: When you stop making payments to creditors and debts go delinquent, you can be sued by the original creditor or by a debt collector who purchases the debt. Until the debt is resolved, either through full payment, settlement or bankruptcy, you’re at risk of being sued.Owing a tax bill: The IRS considers any amount of debt settled as taxable income.Saving less than what was advertised: Debt settlement companies often take a fee of around 30% of your original debt balance. So even if you did settle for 50% of what you originally owed, you won’t come out as far ahead as you might expect after you pay the fee to the settlement company. Additionally, your debt can continue to grow when you stop making payments, as late fees and interest are added to your balance.Credit damage: Missing payments and defaulting on your debts are among the worst things you can do to your credit. These marks stay on your credit reports for around seven years and will make you look risky to future creditors, which can result in you not being approved for credit or having to pay higher interest rates.A better choice for long-term financial healthWhat if there was a way to roll multiple credit card payments into one, at a lower interest rate — while preserving your good standing with your creditors?That’s what nonprofit credit counseling agencies offer. These organizations have arrangements with many credit card companies that provide a lower interest rate in exchange for regular monthly payments over three to five years to resolve your debt.But many consumers aren’t aware of these benefits, according to a 2018 Harris Poll survey commissioned by Money Management International, a nonprofit credit counseling agency. It found that 62% of the 2,012 respondents didn’t know credit counseling can roll multiple credit card debts into one payment. And 73% weren’t aware that credit counseling offers lower interest rates on credit card debt.There are some drawbacks if you use a credit counseling agency’s debt management plan. You typically need a regular income to qualify, and if you miss a payment, the agreement can be dissolved, leaving you to manage on your own.But for the long-term health of your credit profile, credit counseling is the clear winner. This debt relief tool generally keeps consumers in good standing with creditors since they’re making good on their obligations. The only harm to their credit profile would come from closing credit accounts, which some agencies require.To find a reputable nonprofit credit counseling agency, look for one that has been certified by the National Foundation for Credit Counseling or the Financial Counseling Association of America.Know when a third option might be bestBefore choosing debt settlement or credit counseling, consider whether:You’re barely able to make regular debt payments.Your monthly debt payments — excluding student loans and housing costs — exceed 40% of your take-home pay.Your debt burden is interfering with your quality of life, for instance keeping you up at night.If so, you might want to consider bankruptcy. Although it’s been stigmatized, this debt relief tool can resolve what you owe faster than credit counseling or debt settlement. In addition, credit scores can start to rebound quickly in the months after filing.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow Credit Counseling Can Help YouDebt Settlement: How It Works and Risks You FaceWhen Bankruptcy Is the Best OptionSean Pyles is a writer at NerdWallet. Email: spyles@nerdwallet.com. Twitter: @SeanPyles. 5312

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