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SAN DIEGO (KGTV) - Too many young military families in San Diego are finding themselves trapped in mountains of debt, not knowing where to turn.It's a devastating problem that the nonprofit Support the Enlisted Project (STEP) is working to tackle."It's a real challenge, and I think we are setting these families up for failure a lot of the times," said Tony Teravainen, CEO and Co-founder of STEP. "Their wage with all their allowances, E4 and below, 100% of them are below HUD's low-income level."RELATED: San Diego woman climbs out of 3,000 debt holeTeravainen says families often don't ask for help until things have gotten really bad. STEP helps prevent roughly seven evictions each month for young military families. "As a country, we don't have great financial habits. And what we see is when families enter the military we put additional burdens on them, and a lot of times this pulls them further, further into debt. We ask them to move their houses every two to three years; service members can be deployed at least a third of the time."The goal is to get as many families in need into their Emergency Financial Assistance (EFA) Program.RELATED: Making it in San Diego: Millennials outpace Generation X in both total debt and long-term savingsThe EFA Program is a unique social-work and change-management based program that was specifically designed to move military and veteran families from a financial crisis to a lifetime of financial self-sufficiency. Each family gets a social worker who helps them create a budget and set goals for the future.Teravainen says 4,500 families have come through the program since it was created in 2012 and they have a 90% success rate."A success story to me is a family that can change their behaviors," said Teravainen. Families in need of help can learn more on the STEP website. 1846
SAN DIEGO (KGTV) -- We’ve known for a while that COVID-19 hits people over 65 especially hard, but a study published Wednesday from researchers in San Diego offers new insight into why that happens.The numbers are staggering: if you’re 65 or older, your risk of winding up in the hospital from COVID-19 is five to 11 times higher than someone under 30. Your risk of death is at least 90 times higher, according to data from the Centers for Disease Control and Prevention.Researchers at the La Jolla Institute for Immunology say the reason why older people fare so much worse appears to be from a lack of T-cells, a type of white blood cell that can decline with age.“Some viruses get controlled by one part of the immune system. Some viruses get controlled by another. In this case it seems that T-cells really do a lot of the work,” said Dr. Shane Crotty, one of the authors of the study published Wednesday in the journal Cell.Dr. Crotty and his colleagues looked at 50 people infected with the virus, and they measured the three elements of the adaptive immune system in detail: antibodies, helper T-cells and killer T-cells.Then they compared the measurements to how people fared against the virus. Some patients in the study group had severe cases, others had mild infections.The researchers found that people with all three branches of the adaptive immune system tended to fully recover. People with severe cases of the virus often lacked one or more of the immune branches, and it was particularly evident in older people.“Our data indicated that of the older individuals, it was particularly the ones that had fewer T-cells to start that look like they really struggled to control this virus,” Dr. Crotty said.As we age, we have fewer T-cells to send after invading pathogens. “That collection of T-cells gets smaller. So it’s harder to recognize a new virus,” Crotty said.Among the 748 deaths in San Diego County reported as of Wednesday, 87% were people aged 60 and older.The findings from LJI may have implications in the search for a vaccine against COVID-19. The data suggests that vaccine-makers may want to target a drug that elicits all three branches of the immune response, Dr. Crotty said. Some vaccine approaches, such as inactivated virus vaccines, only elicit two of three branches, not killer T-cells. However, Crotty said it was too soon to rule any candidates. Two strong branches produced by a vaccine could potentially cover for the lack of a third, he said.Crotty said the findings could help vaccine-makers interpret results from the clinical trials and find the right dosing.“Is a given vaccine a good vaccine, and you just need a booster immunization?” he said. “Does it work well in one population but it doesn’t help in the elderly because it doesn’t generate a T-cell response, for example? Those are the scenarios when this type of knowledge will come into play.” 2906

SAN DIEGO (KGTV) - SAN DIEGO (KGTV) - It’s not easy to break into San Diego’s housing market, but what happens when you finally make that big purchase? Zillow and Thumbtack ranked San Diego third in the nation for the hidden costs of homeownership.The housing analysts broke down the expenses of maintaining a home in addition to a down payment and monthly mortgage payments. Unavoidable costs, including property taxes, insurance and utilities, were a factor, along with routine maintenance.In San Diego, the hidden costs amounted to ,257 a year, with unavoidable expenses of ,087 and maintenance at ,170.RELATED: Nearly 1K?salary needed to buy San Diego homeThe national average for the hidden costs of homeownership was ,390. In San Jose, the figure reached ,655. San Francisco was slightly lower at ,758. Indianapolis was the cheapest city in the nation, with ,220 going toward hidden costs.“Ongoing maintenance costs and annual fees are some of the most common surprises for first-time home buyers after they finally become homeowners. While they are shopping, buyers tend to focus on their monthly mortgage payments, but other needs quickly add up after move-in,” said Zillow Senior Economist Aaron Terrazas. “The list price is just the beginning of understanding the costs that come with being a homeowner, and it’s important to understand what other expenses you may have to account for when determining what you can afford.”RELATED: 5 Most expensive cities in San Diego CountySmart Asset has a property tax calculator for homebuyers.Wondering where your property taxes go? The County of San Diego has a breakdown. 1656
SAN DIEGO (KGTV) - U.S. Coast Guard crew members rescued seven people off the coast of La Jolla from a sinking yacht Friday. The vessel began taking on water Friday morning when the call for help came in. Coast Guard, San Diego Lifeguards, and U.S. Navy members all responded."You have to be pretty Johnny-on-the-spot whenever you're hovering over a boat like that," pilot Treston Taylor said. "Especially lowering and hoisting people up and down."A water pump was also lowered to the sinking ship to help buy crews time."For those people on that vessel, they were very excited. Their adrenaline was pumping," Lyman Dickson, the Coast Guard swimmer lowered to the yacht, said. "It's a very intense situation for them."No injuries were reported during the rescue. 795
SAN DIEGO (KGTV) — Witness video shows the moment San Diego Police opened fire on a pursuit suspect in Logan Heights Monday.The video starts with the suspect, identified Tuesday as 30-year-old Enrique Aguilar, walking in the middle of the street, it appears toward the direction of police. Yells of "drop the gun" could be heard as Aguilar continues walking down the street.As Aguilar proceeds toward officers, police say he pointed a weapon at officers. A hail of gunfire rings out and Aguilar falls to the ground.RELATED: Foot pursuit ends in officer-involved shooting in Logan HeightsTwo officers then approach Aguilar and place him in under arrest.Aguilar was taken to a nearby hospital with non-life threatening injuries.Two officers involved in the exchange of gunfire were not injured. 800
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