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EL CAJON (KGTV) - Amid the new COVID-19 restrictions, some local churches are expected to begin holding services outdoors.At Shadow Mountain Church in El Cajon, the sounds of the gospel have been a bit more crisp."Sound is incredible. No echoes, feels intimate ... like church," said Pastor David Jeremiah.Jeremiah says last month, when it became clear COVID-19 capacity restrictions would be too limiting indoors, they decided to move their services outside."Turned out to be a perfect amphitheater," said Jeremiah.A stage has been set up in one of their parking lots. The seating is sectioned off by families, each grouping set 6 feet apart. Services have been moved to the evening to escape the heat. Masks and bottled water are handed out to those who need them. Any singing is mostly limited to musicians on stage to minimize the coronavirus risk."It's our way of doing church. It's the only thing we can do so that's what we do," said Jeremiah.It's also going to be what other churches will do after recent coronavirus restrictions banned indoor church services. At the Good Shepherd Catholic Church in Mira Mesa, an email was sent out announcing weekend outdoor masses.In Poway, officials approved a plan to share park space with places of worship and fitness centers. The city of El Cajon is also weighing a similar plan. Jeremiah says those actions are much needed, because there is no substitute to gathering in person."Church is when God's people come together, and we want to make it possible for people to come together as much as possible, as much as we can, within the context of what we're experiencing with this pandemic," said Jeremiah. 1662

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

Drug kingpin Joaquin "El Chapo" Guzman will be examined by a psychologist next week after his lawyer argued the conditions of his confinement in New York have taken a toll on his memory and mental state.US District Judge Brian Cogan in Brooklyn granted permission Wednesday for Guzman to be evaluated following a defense motion alleging that solitary confinement in a cold, small cell at a federal lockup in Manhattan had the drug lord forgetting names and places and suffering from hallucinations, paranoia and depression."I'm not alleging that he's not competent" to stand trial, Guzman's new attorney, Eduardo Balarezo, told reporters after a pretrial hearing."I'm alleging that the conditions that he's been under for the last nine months or so are affecting his memory, affecting his ability to relay information that I need as his lawyer to defend him."Guzman, who is commonly known by his nickname "El Chapo," which loosely translates as "shorty," was extradited to the United States from Mexico in January and immediately brought to the federal courthouse in Brooklyn for his arraignment on a 17-count indictment.His trial in Brooklyn is set to begin in April 2018.Wednesday's hearingThe 60-year-old defendant, dressed in a dark blue prison uniform, entered the courtroom for Wednesday's brief hearing smiling and waving at his former beauty queen wife, Emma Coronel, and their six-year-old twin daughters. He followed the proceedings through an interpreter.Federal prosecutors have turned over 90,000 pages of discovery -- most detailing drug shipments and seizures -- but Balarezo said he took issue with government plans to wait until two weeks before trial to share the testimony of alleged collaborators."Every one of them is going to be here trying to reduce their sentence," the attorney said outside court.The head of the Sinaloa Cartel, Guzman is named in a sweeping 17-count indictment alleging that from 1989 to 2014 he led a continuing criminal enterprise responsible for importing and distributing massive amounts of narcotics and conspiring to murder rivals who posed a threat, according to federal prosecutors.Guzman is also charged with firearm violations related to drug trafficking and money laundering connected to the smuggling from the United States to Mexico of more than billion in cash from narcotics sales.Guzman has pleaded not guilty to the charges, which carry a minimum sentence of life in prison. Federal prosecutors also intend to seek a billion criminal forfeiture order against him.Years as a fugitiveGuzman has been confined to a solitary windowless cell, removed from the general population in a facility that is part of the federal Bureau of Prisons.Chasing 'El Chapo': Prison breaks, hideaways and life on the lamBefore hiring Balarezo, Guzman last summer retained attorney Jeffrey Lichtman, who represented John Gotti Jr. in a 2005 federal trial which ended with the dismissal of murder conspiracy charges.Prior to Lichtman, the man accused of running one of the world's largest drug trafficking organizations was represented by court-appointed public defenders.After more than a dozen years on the run after escaping from prison in 2001 -- allegedly by hiding in a laundry cart -- Guzman was again arrested in 2014.However, a year later he escaped through a hole in his cell block that led to a tunnel nearly a mile long. In 2016 Mexican security forces rearrested Guzman in Sinaloa.Mexican drug cartels take in between and billion annually from US drug sales, and a 2015 Congressional Research Service report estimates at least 80,000 people have been killed due to organized-crime-related incidents since 2006.RELATED: Mexico arrests top Sinaloa cartel heroin trafficker 3743

Doctors say a Massachusetts construction worker’s love of black licorice wound up costing him his life. Eating a bag and a half every day for a few weeks threw his nutrients out of whack and caused the 54-year-old man’s heart to stop, according to a report Wednesday in the New England Journal of Medicine. “Even a small amount of licorice you eat can increase your blood pressure a little bit,” said Dr. Neel Butala, a cardiologist at Massachusetts General Hospital who described the case. The problem is glycyrrhizic acid, found in black licorice and in many other foods and dietary supplements containing licorice root extract. It can cause dangerously low potassium and imbalances in other minerals called electrolytes.Eating as little as 2 ounces of black licorice a day for two weeks could cause a heart rhythm problem, the U.S. Food and Drug Administration warns.The death was clearly an extreme case. The man had switched from red, fruit-flavored twists to the black licorice version of the candy a few weeks before his death last year. He collapsed while having lunch at a fast-food restaurant. 1111

EL CAJON, Calif. (KGTV) - The pilot of a small plane made an emergency landing at a field and playground next to W. D. Hall Elementary School in El Cajon.The emergency landing happened around 4 p.m. Friday.The pilot says he took from Gillespie Field for a practice flight and was headed back to Gillespie for a landing when he ran out of fuel. He says his engine stopped, and he had to look for a place to land. He was able to glide onto the field safely.The plane hit a fence on the way down causing damage to a wing.The pilot says he has been flying for decades.No injuries were reported. 598

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