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SAN DIEGO (KGTV) - At the end of the week, many federal government employees may find themselves in a financial bind as they arrive at their first pay period of the shutdown without a paycheck. Enrique, a federal contractor who did not want to use his last name, created a GoFundMe campaign to cope with the lack of funds. He asked for ,000 to cover his salary gap, posting a picture of his family to encourage donations. “This shutdown really affects me because once the shutdown ends I will not get back pay as a contractor,” Enrique said. Christian Rodriquez is a corrections officer at Metropolitan Correctional Center detention facility in downtown San Diego. His work is deemed essential, so he is working without pay."I'm going to have to borrow from family and friends to pay my mortgage, or get a loan," said Rodriguez.Some institutions, including Navy Federal Credit Union (NFCU), are offering no-interest loans to help workers through the crisis. Other banks, including Chase and Wells Fargo, encouraged affected customers to reach out for assistance.While some loans may have fair terms, government employees are warned to beware of so-called predatory lenders during the shutdown. The California Department of Business Oversight (CDBO) has established guidelines to protect borrowers from illegal and improper lending practices. The agency is warning government workers against excessively high fees and commissions, high interest rates, high-cost credit insurance, and refinancing with higher fees, known as “loan flipping”. CDBO experts have tips for anyone seeking a loan.Shop around: Compare interest rates and total costs of loans by several banks and credit unionsUse caution: Be wary of lenders who contact you first, or offers “only good for a short time”Ask questions: You have a legal right to know the total cost of the loan, the APR, monthly payments, and how long you have to pay it backThink before you sign: Make sure you understand all documents, and consider having someone else check them 2031

SAN DIEGO (KGTV) -- Beaches in San Diego are expected to be packed for the Fourth of July weekend as other nearby counties shut down their beaches over coronavirus concerns.Local law enforcement agencies are prepared for the influx in beachgoers, but many are hoping and wondering if people will follow San Diego County’s facial covering and social distancing requirements.On Friday, ABC 10News crews observed visitors at Mission Beach keeping their distance from each other and most of them wearing facial coverings.Many visitors came to the beach early to secure spots for what will likely be a busy weekend.The Cotus family, visiting San Diego from Arizona, heard about Gov. Gavin Newsom closing beaches where coronavirus numbers are rising. But the family took the chance that San Diego beaches would stay open.“We figured this morning we got the kids up. OK, let’s take a chance; either we can get to the beach or we can’t. If not, there’s a pool at the hotel,” Edward Cotus said.Law enforcement agencies said they will be out this weekend reminding people about the rules. However, they say it will be up to the public to follow them.The Cotus family said they understand why people don’t like wearing the face coverings, but they believe it’s everyone’s responsibility to do their part in controlling the spread of this virus.“We all have to be responsible and just try to really implement social distancing on our own. It seems like a lot of the public doesn’t understand; you just have to do that on your own,” Cotus said. 1539

SAN DIEGO (KGTV) — As Seaworld San Diego reopens its doors this weekend, an East County grandmother and passholder says she and her grandson won't be making a visit.Visiting SeaWorld is one of Rose Becker's favorite things to do with her 4-year-old grandson Vincent."He just loves walking around and looking at the dolphins, orcas, and sea lions," said Becker.So when SeaWorld announced they would be reopening, she got excited.RELATED: Several San Diego County businesses to reopen indoors with limits under new guidance"I was planning on taking him Sunday. Was so excited to hear SeaWorld was back open. My grandson was so excited ... and then my excitement, down to frustration," said Becker.She was frustrated because of the cost. SeaWorld is opening through its weekend Zoo Days Bayside BBQ and Brews events. It's reservation only with a limited capacity. The park's attractions will be limited to outdoor animal exhibits and shows. A ticket will include food, drink, and merchandise. Passholders like Becker get a complimentary ticket but must pay for the lanyard for the food and beverages. She would receive a more-than-50% discount, but Becker still has to shell out for Vincent and herself, a cost she can't afford.RELATED: North County leaders join Legoland to demand state give direction for businesses to open"I'm retired and on a limited income ... I'm very frustrated and angry that I can't take my grandson to go visit SeaWorld, when it's open to the public who wants to pay for a special ticketed event, and not to us who have been paying all this time as passholders," said Becker.She's not alone. In the past few days, ABC 10News has received emails and Facebook messages from passholders upset about having to pay for the extra cost."We're being treated like second class citizens in essence," said Becker.SeaWorld plans to hold the weekend events until late September, and then reassess a true opening. The park has announced it will be extending expiration dates for passholders and upgrading them to the next tier of benefits. 2061

SAN DIEGO (KGTV) - Complaints about red-light runners are mounting at a busy intersection in Mira Mesa.Jacob Rogers, 12, says his dad was recently driving him through the intersection, when this happened.   219

SAN DIEGO (KGTV) -- Cool zones are open around San Diego County as the weather heats up. The cool zones, spread out throughout the county, provide designated air-conditioned facilities that provide a place to beat the heat. According to county officials, the cool zones provide a place where seniors and others can congregate to protect their health and reduce individual energy costs. The program has been in operation since 2001. The County Health and Human Services Agency Aging and Independence Services partners with San Diego Gas and Electric to provide the service. Click here for a complete list of county cool zones and their hours of operation. Check out the list below for tips on beating the heat: Slow down. Be your most physically active during the coolest part of the day, usually between 4-7 a.m. Pace yourself when engaging in physical activity.Stay indoors as much as possible. If air conditioning is not being used, stay on the lowest floor. Keep shades down and blinds closed, but windows slightly open.Electric fans do not cool the air, but they do help sweat evaporate, which cools your body.Take a cool shower, bath or sponge bath.Avoid using the oven.Wear lightweight, loose-fitting, light-colored clothing. Light colors will reflect away some of the sun's heat.Air out hot cars before getting into them.Never leave children or pets inside vehicles at any time, even with the windows cracked. Temperatures inside a vehicle can reach lethal levels no matter what the weather is like.Drink more fluids than usual even if you do not feel thirsty.Water is the safest liquid to drink during heat emergencies. Avoid drinks with alcohol or caffeine; they make the heat's effects on your body worse.Eat small meals and eat more often. Avoid foods that are high in protein, which increases metabolic heat.Avoid using salt tablets unless directed to do so by a physician.If you take diuretics, ask your physician about a lower dosage during hot weather.If it is safe to do so, leave windows open at night. Open windows on two sides to create cross ventilation.Place a piece of cardboard covered with aluminum foil in sunny windows to reflect sunlight and heat away from the house.Vacuum, clean or replace air filters regularly for maximum cooling efficiency.If affordable, install outdoor awnings or sunscreens.Call your physician if you feel you may be experiencing a heat-related illness. 2412