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SAN DIEGO (KGTV) -- It’s almost time for kids to head back to school, and for parents, that means safety is top-of-mind.Luckily, there are a ton of apps to help your child stay safe.Whether you need to monitor their online activity or give them peace of mind by being able to report suspicious activity at school, there is something for every need. We’ve compiled a list of safety apps below: 405
SAN DIEGO (KGTV) - Investors are watching carefully to see if interest rates keep dropping, or if they may eventually dip below zero in the United States.Recently, former Chairman of the Federal Reserve Alan Greenspan said it's a possibility, as rates have remained historically low for the past few years.In San Diego, the results of a negative interest rate would be good news for some and bad news for others."Low rates are a double-edged sword," says Dennis Brewster of SagePoint Financial. "If you're a borrower, if you're looking to buy a house today, mortgage rates have never been lower. But if you're a saver and you have money in the bank or in a CD, your rates are pretty poor."Brewster says the interest rate tends to drop when growth in the US is slow, both for the population and the Gross Domestic Product. He says that's what's happening now, as the baby boomer generation is getting older and later generations have fewer children. Brewster says slower population growth leads to slower economic growth because there are fewer people in the workforce, which means company production is down, and so is spending. He says that is happening despite record low unemployment.As for negative interest, Brewster says the average San Diego shouldn't worry since it's unlikely to happen."I wouldn't change your long term plans," he says. "The economy can move forward through high or low rates." 1411

SAN DIEGO (KGTV) — Military families say the squalid living conditions detailed in a new report by the Military Family Advisory Network released Wednesday don't fully portray their struggle.In Murphy Canyon, the issues range from mice, to dry rot to rust. Shelby Stevens' husband is in the Navy, and they've been stationed in San Diego for three years. On the porch she pointed out what looked like half painted pergolas and said they were full of dry rot. Inside there is no microwave, and the kitchen was much the same as it was originally in the 1990's. "We've got ant problems, roaches, mice," Stevens showed 10News her shed in the back yard. Inside there's half a dozen mice traps, with little black dots covering the floor. Stevens says those are mice droppings.On her phone, an image of a dead mouse, she said her dog killed. These issues echoed throughout the military community.A woman who didn't wish to be identified, for fear of retaliation, said her closet door had loose rusted screws she had to keep out of her toddlers' reach. She said the repair work on a clogged toilet was shoddy, saying the men left mold, and poop around the base of the toilet.The new report by the Military Family Advisory Network breaks down the problems renters face by base. For San Diego military families, the top two issues are maintenance and mold."We absolutely know that the nearly 17,000 who responded to our questionnaire, this is their reality," Shannon Razsadin, Executive Director of MFAN, said.The survey went out last January and ran for a week. Razsadin hopes the report gives military families a tool to create change.The military moms who spoke with 10News say it's not a complete picture of what they're dealing with. Stevens said 17,000 people across the country is a very small part of the military community as a whole. She said in the last several months their service has declined."We've had no shows from maintenance men, we've had no shows from contractors who are scheduled to come out to my house, no show, no call. The office hasn't been in contact with any of us," she says.Her sense of despair growing, "these are the kinds of conditions we're living in," she said tearing up.The women said they pay more than ,000 a month and say the high cost of living is what keeps them in the military housing.10News reached out to Lincoln MIlitary Housing and recieved a comment Thursday morning: 2416
SAN DIEGO (KGTV) -- Like most people who’ve worked decades towards retirement, Danielle Schulte has some ideas on how she’ll spend it."Initially I’m going to sleep in late, read the newspaper, yes, I still read paper!”Schulte is an Employee Relation Specialist for UC San Diego and hopes to retire in about six years.While she's been saving since graduating college, Schulte wishes she'd saved more, especially watching the market plunge in recent days.“Because I am getting close to retirement, I don’t have as much comfort in giving it time to even out,” said Schulte.She hired a financial advisor 13 years ago and continues to fine-tune her plan, currently looking into annuities."He has been really good in helping me not to panic, helping me invest my money in stable securities as best you can, given the market," said Schulte.Dennis Brewster is a financial advisor for SagePoint Financial. He too says it's not the time to panic.“Right now we’re down about 10 percent, that’s normal, it’s just that we haven’t had anything for so long, I think that's what makes it a little tougher, we haven’t had any declines," said Brewster. "We’ve been spoiled a little bit the last few years, on average [the decline] is usually 14 percent a year.”However, Brewster says those looking to retire soon need to pay attention and plan ahead with their 401(k)."The last thing you want to do is get too aggressive going into retirement, so somebody getting closer to retirement should be concerned, they don't want to get too extreme but do want to be a little more careful because you don't have 30 years to make it up."Schulte remains confident in the groundwork she’s laid on her retirement plan and is hopeful she can turn off the alarm clock for good in six years. 1772
SAN DIEGO (KGTV) -- It's almost time for kids to head back to school, and that may have some parents considering their children's options. In California, parents have many options, including educating children at existing private schools, through a charter or independent study program, or by opening a private home-based school.But make no mistake; it’s a big undertaking. The State of California requires those choosing to homeschool their children to file a private school affidavit.RELATED: Back to school shopping comparison: Wide price range between Target, Staples, othersParents must provide all curricular, instructional and other materials. State rules also require parents to keep track of their children’s attendance.Another factor to consider is college. The state urges parents schooling at home to learn about student admission or eligibility at specific colleges and technical schools.RELATED: Tax-free weekend 2018: Participating states, dates and what you can buyFor parents considering homeschooling, it’s also important to know that the alternative diploma equivalencies for students who don’t attend public school are the GED or the California High School Proficiency Exam. 1217
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