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Devante Lewis lives in East Baton Rouge. His view of the police who serve and protect his city is the result of decades of conflict between officers and people of color.“I know that any interaction I have could be the end of my life," he said.Not just in his hometown of Baton Rouge, but across the country.“As a Black man, police scare me. To the point where I don’t want to call them, because even if I call them for an incident I think I am justifiably right in, I’m afraid of what would happen to me," he explained. "If someone else alleges something because of the bias we have built-in and the stereotypes about Black people and particularly about Black men,” said Lewis.That’s something Baton Rouge Police Chief Murphy Paul is trying to change.“There are systems that we talk about that direct us in certain areas, that we need to have those courageous conversations on how could we police better," Chief Paul said.Chief Paul was hired in 2017 in the wake of the Alton Sterling killing. Sterling was selling CDs outside a gas station when a confrontation with two white Baton Rouge police officers led to his death. The incident sparked protests in the city and around the country.While he wants to make sure citizens feel safe when they interact with police officers, the chief has some hurdles to overcome, with one being the makeup of his department.Data from 2013 shows 55 percent of the people who live in Baton Rouge are Black, but Black officers only made up 29 percent of the police force.Researchers from the University of New Mexico found that when government and police diversity match its community, crime rates fall.Chief Paul says the number of Black officers has grown closer to 36 percent now, but the racial disparity is still an issue. One the chief says is much bigger than just skin color.“Our focus is on diversity, and not just diversity in race. We’re speaking on diversity in thought, diversity in religion, we want other minorities. So, we’re focusing on areas in recruiting in that way,” said Chief Paul“Systemic racism and white supremacy isn’t just a white cop with his knee on the neck of a black man," said Edward Goetz. Goetz studies race relations at the University of Minnesota.“It’s the system that creates that cop, it’s the system that tolerates that cop, and it’s the system that allows officers like him to escape punishment," Goetz explained.Almost 2,000 miles away from Baton Rouge, the effects of a mostly-white police force have taken an emotional toll on some of the people who live in Compton, California.“The sentiment was that the police were an occupying force,” said Dr. Keith Claybrook.Dr. Claybrook has lived in Compton his whole life. Now, he teaches African American studies at California State Long Beach.“When you can’t get basic needs met in the community, it’s not your community, When the businesses in the community are not owned by you, it’s not your community. When you do not control the schools in your community, it’s not your community,” said Dr. Claybrook.All these factors create feelings of distrust, and that distrust often gets aimed at the men and women paid to keep order in the community.Chief Paul says has implemented a number of policies to try and rebuild that relationship, including a six-month body camera review of officers if there is a complaint of misconduct, a community board to advise the department, and retraining police academy teachers to include implicit bias training.“So, it’s part of that evolving and listening to the community, listening to their concerns on how we police specifically in communities of color, how we’ve done that over the years, eliciting concerns on how we can be better,” said Chief Paul.But it’s not clear to people like Lewis and Dr. Claybrook if changes like this are enough.“Things have gotten better, then why are we having the same conversations with our children that our parents had with us that they’re parents had with them? But things are getting better?” asked Dr. Claybrook.“It doesn’t matter whether or not you are Alton Sterling at a gas station, whether or not you are Eric Garner outside of a convenience store or you’re Philando Castille, a school employee being responsible and respectable. In that sense, they all lost their lives,” said Lewis.They wonder how long will communities like Baton Rouge, Compton, and others have to wait before they feel safe under the watch of police. 4432

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

EL CAJON, Calif. (KGTV) -- In 1987, at the age of six, Cody Martinez moved from Pine Valley to the Sycuan Reservation to live with his grandmother."My dad is Kumeyaay and Hispanic that is my link to my maternal grandmother, who is a tribal member here at Sycuan," said Martinez, the Chairman of the Sycuan Band of the Kumeyaay Nation. "Going from Pine Valley to Sycuan wasn't too difficult; both were pretty rural.""San Diego County has the most Indian reservations within the county line in North America," he said. "There wasn't a lot of cultural events that I could recall. The first large cultural event that I could vividly remember was our first pow wow that we hosted in 1989. Today we have a full-blown cultural resource department and museum, and we have monthly cultural events."As Martinez grew older, his interest and involvement in the community also grew."At a young age, I realized that we had our own community, that had its own authority," he said. "We had a tribal council, we made our own laws, and we had our own rules, and I just knew that that's something I wanted to be a part of."In high school, Martinez said he volunteered in the tribal office and sat on different committees. As a young adult, he worked for Sycuan's gaming commission for a few years, then landed a seat in the tribal council as the tribal treasurer.After taking some time off after losing reelection as tribal treasurer, he later took a role in the planning and development department.Ultimately, Martinez would gain support from tribal families in 2014 and make his way into a leadership role, serving as the Sycuan Band of Kumeyaay Nation's Chairman.He was reelected in 2018 and currently holds the position."Sometimes, with all the political craziness and COVID craziness, I find solitude and reassurance that we get to manage our own community," he said.Martinez is thrilled to celebrate Native American Heritage Month again, hanging on to the rich history and keeping it alive by passing it all down to the next generations."The cultural exposure, I have two sons, 10 and 12, to their generation has definitely grown, their exposure and access to cultural enrichment. My sons were able to learn how to count in Kumeyaay and basic numbers and directions when they were very young," he said. "I make sure that I can get them to participate as much as possible; the Sycuan education center has a preschool and after school program, and there's cultural enrichment built into those programs."The Sycuan Cultural Resource Center and Museum also launched in 2016 at 910 Willow Glen Drive, El Cajon, CA, 92019. 2611

EL CAJON, Calif. (KGTV) — Arson investigators say evidence of a THC butane oil extraction lab was found in the East County home where a massive fire broke out Wednesday.The fire started just before 3 p.m. at 1660 Via Elisa at the home's master bedroom and back deck area, according to the Sheriff's Department.While it appeared the fire was most likely accidental, investigators said evidence "consistent with a THC butane oil extraction lab" was discovered. A followup investigation was ongoing as of Thursday.SDSO said no one was hurt in the fire, but two dogs, that may have been service canines, were killed. 620

Dick's Sporting Goods, the nation's largest sporting goods retailer, will stop selling assault-style weapons like the one used in the Parkland, Florida, high school shooting.The company said it will also raise the minimum age for all gun sales to 21. Dick's will not sell high-capacity magazines that allow shooters to fire far more rounds than traditional weapons without reloading, as well as other accessories used with weapons similar to the AR-15.The Parkland shooter, Nikolas Cruz, bought a gun at Dick's. The company said he did not buy the AR-15 that he used in the school shooting there.The company stopped selling those military-style semiautomatic weapons in its Dick's-branded stores after the Sandy Hook elementary school shooting in 2012, but it continued to sell those weapons at its 35 Field and Stream stores.Now it will pull those weapons from all of its stores.Walmart, the nation's largest retailer and a major seller of firearms, announced it would stop selling the military-style semiautomatic weapons in August 2015.There have been widespread calls for tougher gun control measures in the week since the school shooting. We at DICK'S Sporting Goods are deeply disturbed and saddened by the tragic events in Parkland. Our thoughts and prayers are with all of the victims and their loved ones. https://t.co/J4OcB6XJnu pic.twitter.com/WmT50BO7mx— DICK'S Sporting Goods (@DICKS) February 28, 2018 1428