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EAST COUNTY (CNS) - One person was killed and two people were seriously injured Saturday in a head-on collision in Dulzura, Cal Fire officials said.The collision happened at 6:35 a.m. on state Route 94 near Community Building Road, according to Cal Fire, with one victim taken to a hospital by air ambulance and another by ground ambulance.The California Highway Patrol said a vehicle went off the side of the road about 50 feet down an embankment and was totaled.Traffic on SR-94 was stopped in both directions for several hours while the accident was cleared and investigated. Traffic resumed in both directions at 11:30 a.m., according to Caltrans San Diego.FOLLOW TRAFFIC INCIDENTS, ROAD EVENTS, AND CONSTRUCTION AREAS IN OUR TRAFFIC MAPhttps://www.10news.com/traffic 779

Economic uncertainty may be roiling the country right now, but that’s not stopping home sales. In some areas, like the suburbs of New York City, bidding wars are back. In July, one house in Orange, N.J. had 97 showings and 24 offers, according to the New York Times.That same month, .3 billion worth of residential real estate sold in the suburbs of Washington, D.C., according to the Washington Post, compared to .2 billion the year before—demonstrating just how much demand there is in some parts of the country. That demand has caused median home prices to spike. Prices in September are 13% higher than they were the same time last year, the largest increase since 2013, according to real estate listing firm Redfin.“We are seeing really interesting trends emerge from COVID that are causing demand to change to an all-time high at the same time that the supply of availability is at an all-time low,” says David J. Wilk, assistant professor of finance and director of the Real Estate Program at Temple University’s Fox School of Business.That means a lot of homes, especially those close to big cities, are suddenly worth a lot more. For homeowners, it’s an envious position: Their equity has bloomed. But what should they do with it? Here are three options.1. Sell Your HomePrices are high, so it’s time to sell, right? As with everything in real estate, it depends.Selling might be the right move for older homeowners who are looking to downsize to a smaller house, a condo or 55+ living. It also may be ideal for homeowners interested in moving to a lower-priced housing market—if the timing is right, and you absolutely know where you want to go.Dottie Herman, CEO of Douglas Elliman, a Manhattan brokerage firm, says it’s also not a bad time to cash out of the ‘burbs to make a city move if you’ve wanted to do so—especially to Manhattan, where sales were sluggish this spring and summer. “If you really love New York City and you believe as I do that it will come back, it’s a great time to buy in the city,” she says, adding that it might be another three to four years before prices rebound.Beware: Your New House Also May Cost MoreIf you want to stay in the same area, a jump in your home’s price most likely means the house you want has made the same leap.You can still consider trading up, especially if your lifestyle has changed because of the pandemic, and you anticipate it staying somewhat altered when we’re on the other side of it. That may mean more people in the house more of the time—and the need for the space to match. “If you can work from home and you don’t have to commute every day, then that drastically changes your decision matrix,” Wilk says.Falling Interest Rates Can Make a Move Make SensePlus, with interest rates for 30-year mortgages at record lows, getting a bigger mortgage now might make sense in the long term. Just make sure you can still afford the payments and aren’t necessarily banking on that home also becoming a big pay out down the road because the housing market is cyclical and eventually will fall down again.“Rushing to sell your house or buy a house because of the short term isn’t a prudent move,” says Danny McAuliffe, CFP, wealth advisor and head of planning at Perigon Wealth Management. “Making decisions based on what you can afford and make sense for you and your family, that is going to be a better situation for the long term.”If you’re thinking of making that high- to low-cost market move, Herman warns that you should at least live in the place first by renting to see if you really like it. This is especially true for seniors who dream of ditching colder climates for warmer places.Not only does it make sense to get a feel for the area in which you want to live that you can’t achieve while on vacation, but you also will learn if you have the temperament to be away from family for so long. Otherwise, you’ll cash out now and have to buy back in—and who knows what the market will be like then.2. Have Your Home Appraised to Ditch Mortgage InsurancePrivate mortgage insurance (PMI) is usually tacked onto your monthly mortgage payment if you put down less than 20% on the property when you purchased it. PMI is there to protect lenders in case you walk away. But if your home is suddenly worth more, you may hold enough equity to request to have PMI cancelled.To do this, you need to show lenders the home has increased in value, which means paying for a home appraisal. Those typically cost between 0 and 0. Meanwhile, PMI typically costs between 0.05% and 1% of the loan amount annually, which means the appraisal will pay for itself.If you’re staying put, you should also reassess your insurance to make sure it matches what your home is now worth, says McAuliffe. That’s because a policy based on a lower price may not cover the current value of the home, should the worst happen and you need to rebuild.“Specifically you want to make sure that the dwelling coverage in your homeowners policy is sufficient to rebuild your home if something catastrophic were to happen,” he says, adding that these policies typically exclude earthquake and flood insurance.3. Take Equity OutWith interest rates so low, taking some equity out is another option. You can use that money to make renovations to your current home—which may be tax deductible, says McAuliffe—or pay off high interest credit card debt—as long as you don’t then rack up debt on them again.You can take equity out in several ways, including through a home equity line of credit (HELOC) or a cash-out refinance, where you pull the equity out in, well, cash. Homeowners at least 62 years old also can take out a reverse mortgage, which lets them borrow from their home’s equity.Herman says money drawn from equity could be used to buy another property, either as a second home, or to rent out. But only think about becoming a landlord if you have tolerance for it and can cover the mortgage in the case the property is empty between tenants, or tenants stop paying.Just make sure that you aren’t taking all of the equity out. People who got in trouble in 2007 and 2008 “pulled all of their equity out,” Herman says. “When prices dropped, they were stuck because they had used all the equity up in their home for something else.” So don’t press your luck and strip your house of all its old and new equity, or else you may wind up with a house worth less than what you owe on it. 6432

Eight-time MLB All-Star pitcher Roy Halladay died on Tuesday at the age of 40 in a plane crash in the Gulf of Mexico, just off the coast of Pasco County, Florida, law enforcement officials confirmed.The crash occurred early Tuesday afternoon. Officials originally said that a plane with a tail number matching Halladay's private aircraft had gone down in the Gulf of Mexico. Halladay was the only person on the two-seater plane that crashed just off Holiday, on Florida's Gulf coast north of the Tampa Bay area, Pasco County Sheriff Chris Nocco said.Halladay was twice named as a Cy Young Award winner. He won the award in 2003 as a member of the Toronto Blue Jays, and won the award again in 2010 as a member of the Philadelphia Phillies. Halladay retired at the end of the 2013 season after compiling a career 203-105 record in the MLB. "We are numb over the very tragic news about Roy Halladay's untimely death," the Phillies said in a statement. "There are no words that describe the sadness that the entire Phillies family is feeling over the loss of one of the most respected human beings to ever play the game." 1166

Disinformation is a problem the country has been dealing with since the past election, but trolls are now getting more specific and targeting communities of color, specifically Black communities.“Bad actors use real cultural issues and conversations happening in Black communities and other communities of African descent and start injecting disinformation and false ideals,” said Jessica Ann Mitchell Aiwuyor, founder of the National Black Cultural Information Trust.A lot of the issues brought up by “bad actors” include talks of reparations and other conversations about slavery.These are real issues that need attention, but trolls will include false information. This ends up causing friction within Black communities and dissuades people from voting.The National Black Cultural Information Trust has made it a goal to counteract this type of disinformation.“So, what we are doing is putting out public service announcements, we are holding teach-ins, we are hosting webinars, we're doing interviews with scholars and activists so they can answer these questions directly,” said Aiwuyor.The group will also use tools to show if accounts have troll-like behavior.It also plans on building coalitions with Black immigrants and Latinos. 1246

EL CAJON, Calif. (KGTV) - A Granite Hills High School math teacher is under investigation for serious allegations of misconduct, the Grossmont Union High School District said Tuesday, the first day of the new school year.Ryan Braun was placed on paid administrative leave August 8 after the district learned of the allegations, a spokesperson said.The alleged misconduct happened outside of school hours and off-campus, according to the Grossmont Union High School District.RELATED: Granite Hills High teacher resigns amid misconduct allegationsLaw enforcement officials and the district will continue the investigation and if misconduct occurred, Braun might be dismissed, the district said. 700

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