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SAN DIEGO (KGTV) — It can take close to 30 years for a renter in San Diego to save enough money for the down payment on a home.Experts say there are ways to speed up the process.Jennifer and Allan Uy just bought a home for their family of four but to make that possible, they moved in with Jennifer’s parents to save money. They paid off ,000 in debt and saved ,000 for the down payment.“It’s actually like adjusting in terms of watching television, and they had like the Disney Channel on, and we had to take turns so I could watch the news,” said Jennifer’s father.According to Hot Pads, it takes 28 years for a San Diego renter to save enough to put down 20 percent on a median-priced home. Moving in with parents can cut that down to 12 years.Relying on relatives may not be an option for many San Diegans.Todd Lane, president and CEO of California Coast Credit Union, says you don’t necessarily need to save as much money if you have a higher income.“Look for a program out there with a mortgage lender that offers you the option for not having to pay for mortgage insurance and making less than 20 percent down payment that’s really the key,” said Lane.Lane also suggests you avoid making big purchases prior to applying for a home loan.“Don’t just go out and borrow for a car loan just before your gonna go out and get an home loan; keep that older car,” Lane recommended.Financial adviser Dennis Brewster said aiming for a condo instead of a home is a great way to get in the home buying game.“Anything to start building the equity helps – instead of paying rent,” said Brewster.Other pro tips include using 401K investments for a down payment, or having relatives co-sign the loan. 1704
SAN DIEGO (KGTV) — Just days after San Diego County ordered a shutdown of indoor dining and San Diego Mayor Kevin Faulconer signed an executive order that makes it easier for restaurants to move seating outdoors, many restaurants are already opening up business outside.Johan Engman is the owner of Rise and Shine Hospitality, which has 18 restaurant locations under the umbrella. Ten of those are Breakfast Republic. He said about half of the 18 locations have expanded to include either sidewalk, parking lot, or shared courtyard space for tables.“Let’s not waste our time complaining or feeling sorry for ourselves. Let’s figure out what do we need to do to give us the best odds to survive this and let’s just do it,” said Engman.For the Pacific Beach Breakfast Republic location, he said there were about 170 seats prior to coronavirus. Once there were social distancing limits, he could seat about 80. With the new ban on indoor seating, that left only about 30 seats on his patio, so the addition of parking lot space will bump seating back up to about 80 people. He said financially, they’re taking a hit, but he made the decision to stay open to help his employees.“Not only seeing how financially detrimental that is, but the morale. So you lay off all your managers then you hire them back. Imagine them literally a couple weeks later you send that message again,” he said.Similarly, La Puerta is seeing the roller coaster of numbers. Owner Merritte Powell said the Gaslamp restaurant is also expanding onto the sidewalk. He said customers will notice a difference, but hopes something is better than nothing.“You’re sitting next to a building, next to a doorway, you’re also going to be a couple feet from a parked car,” he said, referring to the new setup.He said he’s hoping to add plants and lights eventually to make it more aesthetically pleasing and could see a permanent future for sidewalk dining like this if it is successful. He said this could be beneficial in areas like the Gaslamp that lack a lively presence that the outdoor dining will likely bring.Both business owners said the Department of Alcohol Beverage Control has been working quickly and efficiently to help get them the liquor permits they need for the parking lot. They also both are hoping the city votes to allow parklets next week, which they say will further expand seating and appeal. 2386

SAN DIEGO (KGTV) — It's always a good time to check on supplies and make sure you and your family are prepared for an earthquake.The County of San Diego recommends seven simple steps for earthquake safety:Fix potential hazards, like areas of your home that could pose a danger during an earthquake;Create a disaster plan with your family. The county's tips on how to handle a disaster here;Create a disaster supplies kit. The county also has tips on what to pack here;Fix your building's potential weaknesses;During earthquakes and aftershocks: Drop, Cover, and Hold-On;After the earthquake, check for injuries and damage; andWhen safe, continue to follow your disaster planSan Diego County recommends packing enough water, food, and supplies to last each member of the family at least three days. They also recommend that families practice their disaster plan so they're ready when an emergency happens.When an earthquake does happen, families should drop, find cover under something sturdy, and hold on to that cover. If there isn't anything sturdy, find an interior wall that is not near any heavy furniture or glass, scoot down and cover your head.If outside, find an open area away from buildings, trees, or anything overhead such as utility wires, sit down, and cover your head.While San Diego County has sparse earthquake activity compared to the rest of the state, one big enough can send tremors into our region.Residents can also sing up for AlertSanDiego mobile alerts from the county. Residents can also dial 2-1-1 for emergency updates. 1557
SAN DIEGO (KGTV) — Looking for dinner with a view?In San Diego, the best views are found up and down the county's coastline, according to OpenTable users. The dining website's rankings were pulled together 12 million reviews for more than 28,000 U.S. restaurants collected on OpenTable between June 2017 and May 2018.In San Diego, 10 restaurants took honors as one of the best places to grab something to eat that's just as beautiful as the scenery nearby: 479
SAN DIEGO (KGTV) - If you couldn't work, how far could you go without a paycheck? No one is immune to an unexpected injury or illness, and the financial hit can be devastating. The Social Security Administration (SSA) reports that one in four of today's 20-year-olds will become disabled for 90 days or more before retirement age. Having a plan for the long term can relieve a lot of stress if the unexpected does happen.One option is disability insurance; there's short-term and long-term. Disability insurance pays a portion of your income if you are suddenly unable to work because of illness, injury, or accident.You can get coverage through an employer or buy it from an insurer. According to State Farm, long-term disability insurance:Pays monthly income directly to you when you're unable to work because of a covered total disability.You choose the length of time you must be disabled before you start receiving benefits (Elimination Period) and the length of time you would receive benefits.Options include a five-year benefit period or a "to age 67" benefit option.Maximum monthly benefit amounts range from 0 to ,000, based on your income and occupation. You can customize your coverage with different riders.While different factors affect the cost, the annual price for a long-term disability insurance policy generally ranges from 1% to 3% of your annual income.According to the Council for Disability Awareness, 34.6 months is the duration of the average long-term disability claim.The nonprofit helps prepare people for unexpected injury through its five-step financial plan to give you a clearer understanding of your financial "big picture," including:Your sources of income, monthly expenses, and lifestyleThe impact a long-term disability could have on themPreparing a plan of action to address the crisisResources after life-changing disabilityMost people never expect a life-changing disability will happen to them, including San Diego resident Kat Blue. Blue was rear-ended at a red light on Feb. 1, 2018, and had previous head injuries before that."This one resulted in a concussion that just never went away," said Blue.A few weeks after the accident, Blue realized she could barely complete simple tasks like writing an email or talking on the phone. She suffered a traumatic brain injury (TBI), which would change her life forever. She constantly deals with nausea, dizziness, tetanus, and migraines. Blue has struggled to navigate the healthcare system and because she cannot work is constantly seeking resources so she can remain in San Diego."You have to advocate for yourself because there's no one within the system who is going to do it for you," said Blue. Blue says she does not have the resources to relocate and says San Diego offers a lot of support for TBI survivors. She's relied on Medicaid for medical care, which has helped with resources like a nurse care manager, but she says there are holes in the system."I'm still fighting to get a TBI specialist, I'm still trying to get a lot of the treatments and specialists and therapies that I believe could help me," said Blue. The San Diego County Health & Human Services Agency is ready to help San Diegans whose incomes have been impacted by an unexpected disability:CalFresh: Food assistance:Medi-Cal: Free or low-cost health coverage for children and adults with limited income and resources. If you qualify, you can enroll in Medi-Cal year-round.CalWORKS: Public assistance program that provides cash aid and services to eligible families that have a child(ren) in the home."You may not need our benefits today, but in the future, if you do we're here, and we encourage everyone to apply," said Rick Wanne, Director of Eligibility for the County of San Diego Health & Human Services Agency.Wanne says the County also has a close relationship with 211. "211 is a great resource for a number of reasons, they can provide general information over the phone about a whole variety of resources here in San Diego, additional food assistance, housing resources, where to find a local medical provider," said Wanne. Wanne said in addition to what the County offers many local nonprofits and other entities provide help.Blue says she's found the following resources helpful when advocating for herself:Legal AidCalifornia Department of Rehabilitation (DOR)Disability Rights CaliforniaBlue says she's also taken advantage of recreation opportunities through Sharp, some of which are free. Sharp also offers support groups for people with various disabilities. Another program that's been instrumental in Blue's recovery is Love Your Brain Yoga, a free program for TBI survivors. "A good part of my day is spent just trying to feel better, just trying to get well enough to do what I need to do that day," said Blue.Blue remains hopeful she'll get the care needed for her healing and says she'll continue to do everything possible to stay in the city she calls home. 4971
来源:资阳报