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IMPERIAL BEACH, Calif. (KGTV) — Though it stands nearly 20-feet tall, The Spirit of Imperial Beach eludes some residents.  The 18-foot tall statue of a bronze surfer holding a longboard at his side stands tall just north of Imperial Beach Pier. At the foot of the statue, two children building sandcastles.The statue, designed by artist A. Wasil, was dedicated on Jan. 3, 2009, and aims to honor the IB community's cherished surfing and sandcastle history.Many consider IB one of the birthplaces of surfing.SURFINGImperial Beach has continued to provide both challenging and easy-going waves for surfers. Not only those who take to the waves, but those who design and shape boards have called IB home.According to the city, pioneers of surfing came to the Tijuana Sloughs as early as 1937 to shape their sport. While at times the waters in IB close to Mexico are in no condition to swim, the city remains proud of its place in surfing history.Not only does the statue commemorate surfing culture, but IB's outdoor surfboard museum also honors 25 prominent surfboard shapers, nine of which are local.SAND CASTLESSandcastles played a prominent role at Imperial Beach for more than 30 years. Castles, sea animals, and more were carefully crafted on the shoreline during the U.S. Open Sandcastle Competition.The event was canceled in 2011, due to increasing costs and a lack of volunteers.This gave rise to IB's Sun & Sea Festival, which has given a home for sand sculptors to continue their creative work. 1554

In an election year in the middle of a global coronavirus pandemic, a new study finds the majority of Americans, about 80 percent, are confident in-person polling places will be run safely.Survey respondents also seem to agree that it is important for Americans to learn who won the election within a day or two of Election Day, about 82 percent, but only about 50 percent feel confident this will actually happen.Other questions asked on a recent Pew Research Center study appear to have strong partisan divisions.When it comes to being confident about in-person versus mail-in ballots being counted, overall 90 percent of respondents feel good about in-person ballots being counted as voters intended.The confidence in mail-in ballots being counted as voters intended differs; just 37 percent of those who support President Donald Trump say they are confident in mail-in ballots, compared to 77 percent of those who support Democratic presidential nominee Joe Biden.These feelings lead to a 30-point difference in which supporters are planning to cast their ballot in person on Election Day; 50 percent of Trump supporters say they will vote in-person, while just 20 percent of Biden supporters say they will.Roughly 20 percent of both Trump supporters and Biden supporters reported they had already voted or planned to vote in-person during their state’s early voting.The sides also differ on their feelings about how Election Day will be administered around the country. About 90 percent of all survey participants have confidence in their local community elections to be run well.However, 72 percent of Biden supporters feel confident about elections around the country and just 50 percent of Trump supporters feel confident about elections being run well around the country.The survey was conducted the first week of October, talking to more than 11,900 American adults. 1884

In a crisis, long-term planning may lose out to quick and dirty solutions — regardless of the consequences.As the pandemic and its economic fallout continues, more cash-strapped consumers could fall into this trap if the Great Recession is any indicator.A recent report by the Consumer Financial Protection Bureau found that from 2007 through 2010, debt settlements — which can be financially risky — increased. Meanwhile, credit counseling, a debt relief option that keeps consumers in good standing with their creditors, declined.Before you hit a moment of crisis decision-making, understand how to think through debt relief options.Why debt settlement isn’t all it’s marketed to beYou’ve probably heard the radio ads or maybe received a robocall promising a solution to your debt that can cut what you owe by 50% or more.Debt settlement claims are as lofty as the industry’s marketing budget. But these programs aren’t all they’re hyped up to be — and the ads gloss over the downsides.With debt settlement, you stop making payments to creditors and instead direct your money to the debt settlement company, which holds it in an escrow account. Then, typically after several months, the company contacts your creditors and haggles to cut a deal where the creditor accepts less than originally owed. This period of waiting between when you stop paying creditors and the debt is settled (which isn’t guaranteed) is where things can go awry.“There’s no free lunch,” says Glenn Downing, a Miami certified financial planner. “There really are some significant trade-offs with debt settlement. I’d try to make it a last resort.”Debt settlement risks include:Leaving yourself open to lawsuits: When you stop making payments to creditors and debts go delinquent, you can be sued by the original creditor or by a debt collector who purchases the debt. Until the debt is resolved, either through full payment, settlement or bankruptcy, you’re at risk of being sued.Owing a tax bill: The IRS considers any amount of debt settled as taxable income.Saving less than what was advertised: Debt settlement companies often take a fee of around 30% of your original debt balance. So even if you did settle for 50% of what you originally owed, you won’t come out as far ahead as you might expect after you pay the fee to the settlement company. Additionally, your debt can continue to grow when you stop making payments, as late fees and interest are added to your balance.Credit damage: Missing payments and defaulting on your debts are among the worst things you can do to your credit. These marks stay on your credit reports for around seven years and will make you look risky to future creditors, which can result in you not being approved for credit or having to pay higher interest rates.A better choice for long-term financial healthWhat if there was a way to roll multiple credit card payments into one, at a lower interest rate — while preserving your good standing with your creditors?That’s what nonprofit credit counseling agencies offer. These organizations have arrangements with many credit card companies that provide a lower interest rate in exchange for regular monthly payments over three to five years to resolve your debt.But many consumers aren’t aware of these benefits, according to a 2018 Harris Poll survey commissioned by Money Management International, a nonprofit credit counseling agency. It found that 62% of the 2,012 respondents didn’t know credit counseling can roll multiple credit card debts into one payment. And 73% weren’t aware that credit counseling offers lower interest rates on credit card debt.There are some drawbacks if you use a credit counseling agency’s debt management plan. You typically need a regular income to qualify, and if you miss a payment, the agreement can be dissolved, leaving you to manage on your own.But for the long-term health of your credit profile, credit counseling is the clear winner. This debt relief tool generally keeps consumers in good standing with creditors since they’re making good on their obligations. The only harm to their credit profile would come from closing credit accounts, which some agencies require.To find a reputable nonprofit credit counseling agency, look for one that has been certified by the National Foundation for Credit Counseling or the Financial Counseling Association of America.Know when a third option might be bestBefore choosing debt settlement or credit counseling, consider whether:You’re barely able to make regular debt payments.Your monthly debt payments — excluding student loans and housing costs — exceed 40% of your take-home pay.Your debt burden is interfering with your quality of life, for instance keeping you up at night.If so, you might want to consider bankruptcy. Although it’s been stigmatized, this debt relief tool can resolve what you owe faster than credit counseling or debt settlement. In addition, credit scores can start to rebound quickly in the months after filing.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow Credit Counseling Can Help YouDebt Settlement: How It Works and Risks You FaceWhen Bankruptcy Is the Best OptionSean Pyles is a writer at NerdWallet. Email: spyles@nerdwallet.com. Twitter: @SeanPyles. 5312

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IMPERIAL BEACH, Calif. –  A former United States border patrol agent says he nearly lost his arm in 2010 after training in Silver Strand Waters in southern California.Joshua Willey says he contracted flesh-eating bacteria.“I just remember my arm was extremely swollen like I wanna say the size of a volleyball maybe, “ Willey said. “My family and I were told that I might have to have my arm amputated and that was hard to hear.”Willey joined the group, “Citizens against Sewage” Friday afternoon to demand action against the ongoing problem.President Trump is scheduled to visit San Diego next week to look at the border wall prototypes, and the group wants him to take a tour of the Tijuana River Valley and view the extensive sewage issues."Citizens against Sewage" also called for the commissioner of the U.S. International Boundary and Water Commission (IBWC) to resign or be reassigned for what they claim is a lack of action on the matter:IBWC sent the following statement to Scripps station KGTV in San Diego:"Our thoughts and prayers are with the Agent and his family. We have successfully pressed Mexico into taking emergency actions and that as a result fugitive illicit discharges are being intercepted.Mexico has told us and we are verifying that they are indeed taking steps to stop sewage from crossing the border. Commissioner Drusina will work until otherwise notified by the Administration." 1452

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