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SAN DIEGO (KGTV) — The Federal Reserve's decision to lower its key interest rate to near zero will help some San Diegans, but frustrate others.The Fed reduced its Federal Funds Rate to near zero for the first time since the Great Recession of 2008. The move, in reponse to the Coronavirus outbreak, will help keep auto loan rates low and mortgage rates near historic lows. It will also, however, lower earnings from interest bearing savings accounts. Greg McBride, chief financial analyst for Bankrate, predicted the economy to go into a recession, but said the low borrowing rates would help jump start spending once activity picks up again. "Coming out of that, one of the things that's going to give the economy a boost to recover from that will be these brutally low interest rates that entice consumers and businesses to resume borrowing and spending," McBride said. "Somebody concerned about losing their job is not going to go to go out and buy a car."Mortgage rates are already extremely low, with the average rate for a 30-year fixed is 3.36 percent. Still, that's above the all-time lows reached earlier this month, when the Federal Reserve made its first emergency cut. Mark Goldman, a loan officer for C2 Financial Corp., said there has been a rush to refinance since that earlier drop — a big reason why rates did not fall deeper."There's so much refinancing business going on right now that lenders can't stand a lot more business, so they price accordingly," Goldman said. Still, those mortgages rates will remain low as San Diego County enters what's typically its peak home buying season. 1613

SAN DIEGO (KGTV) - Thanksgiving with the Salvation Army will be different in 2020 because of the coronavirus pandemic."We knew that we were going to do something," says Captain Sean Kelsley, who oversees the Salvation Army East County Operations. "The question was, what would it look like?"For the past 30 years, the Salvation Army held large, family-style gatherings to feed people experiencing homelessness, the disabled, and families in need at Golden Hall for Thanksgiving. They plan for 1,800 people, plus volunteers.But a gathering of 2,000+ people is strictly forbidden under California and San Diego County COVID-19 guidelines.In its place, the Salvation Army will offer "grab-and-go" style meals at four locations around the county."We're just glad to be able to be here," says Captain Kelsey. "However people celebrate the holidays, they'll at least be able to get some turkey and some gravy and all that good stuff."People will also receive an additional bag of fruit and snacks with their meals.In addition to providing food, Captain Kelsey says it's a way to connect with people and help them through whatever hardships they face."It allows us to encourage people and find out about a situation that is so dire, that maybe we can wrap around that individual that family, get them plugged in, and get them connected so they can get back on their feet," he says.Service for the meals will start at 11 am at the following locations:Oceanside Corps: 3935 Lake Blvd, Oceanside, CA 92056Centre City Corps: 825 7th Avenue, San Diego, CA 92101Citadel Corps: 4170 Balboa Ave, San Diego, CA 92117El Cajon Red Shield Center: 1025 E. Main St, El Cajon, CA 92021 1671

SAN DIEGO (KGTV) -- The National Weather Service warned of minor coastal flooding ahead of a King Tide set to hit the San Diego County coastline Monday and Tuesday.The event forced the agency to issue a beach hazards statement from Sunday night through Tuesday evening.Surf will begin to build late Sunday, peaking Monday and Tuesday. By Tuesday night, the surf is expected to diminish, the agency said.High tides Monday will be 6.9 feet at 8 a.m. High tide on Tuesday will be 6.8 feet at 8:40 a.m.The agency warned that the King Tides will create water run-up into some beach parking lots and other low-lying areas.Beaches most prone to flooding include Sunset, Seal, Newport, Oceanside, Cardiff, La Jolla Shores and Imperial Beach.Elevated surf will also create strong rip currents and dangerous swimming conditions, the National Weather Service says. 861

SAN DIEGO (KGTV) - Sunset Hills Elementary school in Rancho Pe?asquitos has been honored for having the top-ranked School Safety Patrol in the city.The program is a partnership between San Diego Unified School District, Poway Unified School District, and the San Diego Police Department. Students participate by helping serve as crossing guards before and after school. Officer David Valdez, who oversees the team at Sunset Hills and four other schools, says the students learn leadership, community service, and volunteerism. "I have a lot of fun with them," Valdez told 10News. "It's great seeing them develop over the course of the school year."About 90 schools participate in the progam, encompassing 2,000 student volunteers. Each student is eligible to apply for the top honor of being designated as the "Colonel". This year, Sunset Hills student Maddie Smith won. "It's a great feeling," she said. "WHen you help a kid during something, even if it's just a small act, it makes you feel really good inside."Smith has ambitious goals. "I want to be the President when I grow up and I feel like this is a great way to lead me up to that. I will learn how to be a great leader, teamwork, a good citizen. I'll know how to help people." 1245

SAN DIEGO (KGTV) - The Community Resource Center, a non-profit dedicated to helping families in need, was able to overcome the COVID-19 pandemic and deliver holiday happiness to North County families.Every year, the CRC does their annual "Holiday Baskets" program, where families in need get a shopping spree-style day at the Del Mar Fairgrounds to get food, toys, clothing, and more for the holidays.But in 2020, the pandemic made the annual shopping spree impossible because of state and county health guidelines.So the CRC changed things up a bit, turning the event into a drive-thru.Now, instead of walking through a shopping area and picking out items, families will drive through the fairgrounds and have things handed to them in their cars."We'll have a pre-made box of food for each family, we'll have pre-made boxes of blankets for each family, and a pre-made box with family gifts," says CRC CEO John Van Cleef. "So the ability to choose gifts has changed this year, but we'll be providing puzzles, board games, and other family-based gifts."Because of the changes, the CRC could only assist 1,100 families, which is down from their usual 1,600.It may have been even fewer if not for the help of a 15-year old girl."There's always a way that we can help each other out," says Lucie Babcock, who has been volunteering with the CRC since she was 9.For the past five years, Lucie has held bake sales or lemonade stands to raise money for the CRC. She then uses the money to buy toys and gifts for the families.Because of the Pandemic, she couldn't do her usual fundraising.Instead, Lucie wrote letters to family and friends asking for donations. She raised 0."Even if it seems like maybe you don't have the connections to make a difference, there's always a way," she says.Van Cleef says people like Lucie inspire him to keep helping others.The Holiday Baskets event is Saturday, Dec. 4, but families must pre-register to participate. 1952

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