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MIRAMAR, Calif. (KGTV) — Nearly 50 years after 15 men lost their lives at Naval Air Station Miramar, one man recounted his memories hoping to keep their story alive.Monday, Dec. 22, 1969 was Darwin Ludi's first day back from Christmas vacation. He was on rotation at the Balboa Naval Hospital in the morgue as a Navy Corpsman.When he walked in that morning he described the horrifying sight, "there were body bags along the hallway and I was like, 'What is going on?" RELATED: MCAS Miramar dedicates plaque to Marines killed in 1970 training crashHe said the men were unrecognizable. He said the initial shock stayed with him for months and to this day is his strongest memory."We did the autopsies over a couple of days and the smell just lingered," he said somberly.Photos from MCAS Miramar's archives capture the panic and pain. Around 10:30 a.m. one article says the pilot of an F-8 Crusader ejected after reporting low oil pressure and engine seizure. He said he had no control over the plane.After ejecting, the plane veered right, according to the article, straight into a hangar.RELATED: MCAS Miramar crucial training hub, as political tensions rise around the world"They had, from what I understand, probably 60 some people working in the hangar at the time," Ludi said.The article described a 'big ball of flame belch[ed] from the doorway' then more explosions. "With all the like I said ordnances and it was fuel tanks in there, they were blowing up," Ludi said.The article stated at least 12 were injured from the crash, two jets were destroyed, another damaged extensively. The damage initially tallied around million.Fifty years later he hopes telling their story will keep those who made the ultimate sacrifice from being forgotten, "as long as I'm around hopefully things like this come out, because it's important. It's important to the San Diego community."Important especially in the middle of the holiday season. 1944

Mortgage rates have risen about half a percentage point since September. What does that mean for you if you’re buying a home now or plan to buy one soon?For starters, don’t panic.When you’re buying a home, the mortgage rate matters, but it shouldn’t monopolize your attention, says Robert Frick, corporate economist for Navy Federal Credit Union. “You shouldn’t focus on the rate and let that scare you into making a hasty decision about buying a house,” he says.How rising rates affect your monthly payment 520

Millions of small businesses that received Paycheck Protection Program loans have been waiting for answers on how and when their loans would be forgiven. Now, the Small Business Administration has announced a plan that would forgive almost 70% of all the loans it gave out.“The new guidance that has come out from treasury department and the SBA aim to ease the process for applying for forgiveness of loans under ,000,” said Molly Day with the National Small Business Association.The new guidance forgives PPP loans that were ,000 or less, but also comes with a new rule. The rule allows businesses with no employees or businesses where the owner is the only employee, can now have most or all of their loan forgiven.Initially, most of the forgivable portion of a PPP loan was that which was used toward paying employees. The new rule also relaxes the scrutiny requirements on lenders to review documentation from small businesses proving how the money was spent.“A lot of small businesses don’t have employees, or they have one employee and that is themselves, adjusting that really makes it a lot more workable for the sole proprietors that are small businesses [and] are doing great work and deserve some assistance as well,” said Day.The forgiveness process laid out by the Small Business Administration does not have the usual red tape that comes with most government forgiveness processes. Business owners who received loans of ,000 or less have to fill out a one-page document, just released by the SBA, and have their lender process it.“I do think making the forgiveness process easier and more streamlined could help many small businesses,” added Day.With the loan debt hanging over their heads, many small businesses have been reluctant to take on additional debt or put more of their saving into their businesses. Relieving them of the loan burden could now allow them to do so and may result in saving some businesses that were on the brink.However, the SBA points out there’s no guarantee and is still pushing for continued support from Congress in the next stimulus bill. In addition, it is pushing for the SBA to extend the new guidance to loan 0,000 or less. 2195

Months into working from home, it’s time to check in with yourself. How is your work-life balance? Have you figured out when and how you work best? And when did you last shower?As work and home life meld, it’s difficult to maintain boundaries, stay productive and take care of your mental health amid the pandemic.Since work from home orders are likely to stick around for those lucky enough to do their jobs away from their workplace, now is a good opportunity to professionalize your work habits and find a sustainable setup for the coming months.Know yourself and work accordinglyYou may instinctively know when you’re at your peak performance and what conditions you need to achieve it. Some people are at their best right after they’ve had their morning coffee and settled in at a desk. Others might sleep in and then start work while still in bed.Clearly defining when and how you work best helps you set clear expectations for yourself and your colleagues.To understand when you’re most productive, career coach and entrepreneur Felecia Hatcher recommends conducting a time audit. Track your workday in 15-minute increments for one week. “A time audit is going to radically change your life personally, and then you get to showcase to your boss when your most productive times of day are,” Hatcher says.Keep track of your audit in a spreadsheet or a notebook, detailing meetings, lunch breaks, blocks of time dedicated to heads-down work, and stretches when you don’t get much done. This will reveal when you’re productive and when you might be better served taking a break, going for a walk or taking a power nap.Next, think about conditions that help you focus.Some need to sit in a specific spot to accomplish anything. Others might just need an internet connection, wherever that may be. Bari Tessler, a financial therapist who has worked from home for two decades, says that only you know how you work best.“Every day is different and you have to go with the flow,” says Tessler. “You just have to know who you are.” Ignore prescriptive guidance about not working from bed or getting dressed like you’re going into the office. Create the conditions you feel most comfortable with.Structure — and communicate — your balanceUse your insights about how and when you work best to flesh out your idea of work-life balance or something close to it. Then bring that plan to your colleagues for a candid conversation.“I always look at the equation of time, money, energy, family and health, and I make all my decisions from that,” Tessler says.Finding your personal balance might mean being more deliberate about what you’ve already been doing, or making changes.For example, if you found you’re not particularly productive during regular working hours, think of ways to mix it up. You might want to block out time midday to run errands or meditate. Or maybe you can work alternative hours, outside of the typical 9-to-5. This might be a necessity for parents as some school districts plan to start the school year with virtual learning.If you haven’t already, establish an ongoing dialogue with your manager and colleagues. Hatcher advises using what you learned during your evaluation to guide the conversation.“Structuring your time is about setting healthy boundaries personally and setting work boundaries,” Hatcher says. “And using what you learned from your time audit can help you have a data-driven conversation with your boss rather than anecdotal conversation.”You might have to make compromises, depending on job requirements, but you’ll be working from a good starting point.Give yourself a breakYou may have seen social media posts saying, “You’re not just working from home, you’re working from home in the middle of a global pandemic.” While that might come across as a little melodramatic, it’s true.Between managing personal and financial fears around the coronavirus pandemic and grappling with the national conversation around racial inequity, having to face your job as if everything is normal can be exhausting.Hatcher says: “Things are so weighty right now. … We’re so quick to say, ‘My life is falling apart but I gotta show up tomorrow,’ but no, don’t do that. Take a break.”If you’re feeling burned out by work or overwhelmed by the news, look into taking time off if your work situation allows. An internet-free staycation can help you unplug, center yourself and return to work refreshed.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletCan You Really Trust Your Payment App?Why You Might Not Want to Zero Out Every Credit CardWhat to Do When Your 0 Weekly Unemployment Check ExpiresSean Pyles is a writer at NerdWallet. Email: spyles@nerdwallet.com. Twitter: @SeanPyles. 4777

MIRAMAR, Calif. (KGTV) - A plaque honoring Marines killed in a military training crash that happened 50 years ago at MCAS El Toro was unveiled at MCAS Miramar Wednesday."Knowing answers has really allowed us to come together," the granddaughter of Maj. Walter Zytkewicz, who was in the crash, said tearfully.Dozens of family members traveled to MCAS Miramar, where the squadron now resides, for the dedication.Pati Davis Ruane traveled from Georgia and still remembers the crash."I was 7 years old and we lived on base at El Toro, we saw the black smoke, playing around outside and was like, 'Hey mom look!' and she was like, 'Oh it's just the crash crew practicing,'" Ruane said. It wasn't the crash crew. A C-130 was completing touch-and-go practices and crashed violently, ultimately killing four of the five Marines on board.Her father, K.C. Davis, was the only one who saw his kids grow up, "I remember my mom going to three funerals in one day."This journey started in January 2019. Johnathan Keene often visited his cousin's grave at Arlington National Cemetery."I go up to visit him twice a year, typically Memorial Day and Veteran's Day," said Davis. Keene was in the neighborhood, Jan. 15, on his way to pick up his wife from the airport, and noticed Zytkewicz's grave next to the grave of his cousin, Capt. Robert Walls. Zytkewicz was in the Marines, like his cousin, and died the day before Walls. He said that "grabbed" him.Up until that day, Keene knew his cousin died in a military crash, but it wasn't spoken of at the dinner table. He knew there must be a connection to the two men, so he started digging. He found three other Marines were on the same training flight July 30, 1970: Staff Sgt. Kenneth Davis, 1st Lt. Roger W. Mullins, and Cpl. Kenneth Metzdorf."Major Zytkewicz was two months away from retiring," Keene said, adding that Zytkewicz was studying to become a realtor.Keene said Metzdorf wasn't supposed to be on the flight but, "called his best friend and said 'hey could you go on this flight for me today?' So they switched and that cost him [his life]."Keene tracked down the redacted incident report and filled in the gaps with interviews from witnesses and Marines who knew the men on board."Witnesses say they waited too late to pull the plane out of the angle of attack and the plane hit, bounced, flipped upside down, hit again, bounced in the air, the left wing fell off, all four props fell off. The plane landed right in the middle of the air field. Flames and fuel streamed down the runway, they said it was basically a long stream of fuel and fire," he said.Keene was amazed to learn his cousin and Metzdorf walked through the flames following the crash, "the report listed 80 percent - 90 percent coverage of third degree burns. I can't even imagine how he walked out," he said.Mullins was killed on impact, found 50 yards from the plane with a broken leg. Walls, Zytkewicz and Metzdorf died days later from their injuries. Keene said Walls died from burns in his lungs.Davis passed away in 2013.The exact cause was redacted in the report but Keene believes the Marine Corps wants to preserve the honor of the pilot and protect his family."After the crash, the material that made up Marine Corps and Navy flight suits was changed. They thought it was a flame retardant material, unfortunately it burned and melted to their skin," he said.Keene hopes these difficult discoveries will fuel Marines' admiration. To keep their memories alive, Keene created a plaque with the team's names. The plaque sits on the wall just inside the entrance to the squadron's historical room."Every other Marine that goes through that squadron will see that plaque and realize there's five men that in some way or another touched their lives from either a safety stand-point or history and lineology of VMGR-352," Keene said. 3858

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