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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) — Included in the new defense budget bill just passed by Congress is what some call the most sweeping military housing reforms in decades. However, San Diego military families are concerned that a loophole will allow the private companies that oversee the housing developments to continue ignoring what they call "slum" conditions.10News has been digging for months into the problems reported by residents at local communities run by Lincoln Military Housing, one of the biggest companies in the industry. Residents say they have been plagued by mold, which has caused illness, as well as rodent and insect infestations, and shoddy maintenance and repairs.RELATED: .7 million awarded to Housing Commission to house military veterans"Lincoln Military Housing doesn't do a very good job of maintaining the infrastructure of these homes," says resident Erika Bradley.Bradley says the recent storms have led to more problems with leaks and mold. She says around 50 families living in the Santo Terrace community in Tierrasanta were forced to leave their homes and move into hotels.The new deal agreed to by Congress include the framework of significant reforms, including a tenant bill of rights, a strict set of regulations for how complaints should be handled, and an arbitration process that leaves the final decision in the hand of base commanders, rather than the companies. RELATED: Marine Corps family wins lawsuit against Lincoln Military Housing, after kids sickened by moldHowever, the language in the bill appears to indicate that the companies will not be forced to sign on to the new processes, making them voluntary. While the military and Congress can use the failure to agree to the processes as grounds to decide not to renew the contract with a company, most of the housing companies have long-term deals in place. That means it's possible that it could be nearly 30 years before some of them would be forced to consider making changes."It's kind of something that looks really good on paper," Bradley says, "but how does it actually help us in our day to day lives?"10News asked if Lincoln plans to agree to the new procedures. A spokesperson responded that the company is reviewing the provisions passed by Congress. RELATED: Navy takes action on complaints of mold, rats in military housingIn a statement to 10News, she said "Lincoln Military Housing, along with our military partners, have instituted a series of reforms to improve service for military families. We will continue to work with our partners on ways we can continue to improve service and strengthen the program.” 10News also reached out to Congresswoman Susan Davis and Senator Dianne Feinstein, who have both worked on military housing issues. Neither was available for an interview. 2794

SAN DIEGO (KGTV) - Monday activist groups rallied at events throughout the day with the same message, more needs to be done to stop police brutality."My son was not killed he was murdered," Richard Abuka's son, Alfred Olango, was shot and killed by police in El Cajon back in 2016.Monday morning he stood on the steps of the Hall of Justice with other activists dredging up tragedy, compelling people to hear their message that new policies to hold police accountable need to be put in place. They held a banner with the names of those lost at the hands of law enforcement throughout the county."I've been pulled over numerous times, ripped out of my car, my car searched just because I'm driving with tattoos," a former convict by the nickname "Flaco" said at the Teach-In event held at San Diego City College.The events all supporting the National Day of Actions to Stop Police Brutality."We don't need cops," panelists spoke on ways to find a solution."I do work with the police and the DAs department in training their officers, and I help run a restorative justice program that's city wide and I'm expanding it to county wide," Aeiramique Blake said. Blake

SAN DIEGO (KGTV) - Keeping kids active, while also letting them follow their passion, is a top priority for a lot of parents.But often it comes at a cost. A new study from CompareCards.com shows that 46% of parents spend more than ,000 a year on activities for their kids, and 27% spend more than ,000. "As much as we love our kids as parents, and as much as we want them to pursue their dreams, life is expensive in 2019," says Matt Schulz, an Industry Analyst with CompareCards.com. "Parents are spending an awful lot of money to keep their kids in these activities."According to the study, 62% of parents admit they go into debt to pay for it all. 64% of parents say the costs cause them added stress.RELATED: Making It In San Diego: Community colleges offer free tuition to San Diego students"It's important to support your kids and teach them to follow their dreams," says Schulz. "But you also have to be able to do so without ruining your own dreams."One San Diego parent thinks she has a way to help. Jessica Mendez is trying to launch an online marketplace where parents can trade used sports equipment to help defray the costs."Every season, kids grow," says Mendez. "Every few months you have to purchase new cleats, a new bat to grow with them."Mendez has four boys that have been involved in all kinds of sports. As they've grown, old equipment has piled up in her garage. She thinks other parents have the same stockpiles of gear going to waste.RELATED: Making it in San Diego: State offers money to help boost college savings accountsMendez is hoping to let parents trade equipment with each other."We're hoping to start small and grow in the future with a website," she says. Mendez thinks she can have the site up in about a year. She's asking other parents with similar stockpiles of gear to contact her at jessicasdhomes@gmail.com.Meanwhile, CompareCards says parents can get creative to cut costs when it comes to activities. Some of their ideas include:- Having kids use YouTube or other online videos for tutorials instead of private lessons- Putting their kids in cheaper, non-elite and non-travel leagues (like YMCA or local recreation center leagues)- Having age-appropriate kids do extra work and pitch in to pay for registration- Saying "No" when too many activities start to pile up- Combining travel for club sports with the family vacationRELATED: Making it in San Diego: Millions available for local studentsShawanee White, a mother of three, says she's sold some of her daughter's old equipment and toys online to help pay for registration. She also asked other family members to chip in some money instead of buying toys for birthday or holiday gifts.White says her family spends -6,000 a year on registration, travel and all the other costs associated with extracurricular activities. But it's worth it."I want them to be well rounded and exposed to many opportunities," she says, adding that the activities keep her kids away from doing anything that may get them into trouble.The study also found that nearly 80% of parents believe their child's activities could one day lead to income, whether in the form of a scholarship, job or side-hustle.Schulz says it's also essential to involve your children in discussions about how their activities factor into the budget."It makes sense to be open and honest with your kids about the cost of these things," he says. 3411

SAN DIEGO (KGTV) — Independent reviews by the FDA show the COVID-19 vaccines by Pfizer and Moderna have similar levels of safety and efficacy, although there are early indications of potential differences.Both vaccines rely on the same basic approach: jumpstarting the immune system with messenger RNA. The FDA confirmed their overall efficacy is essentially identical; 95 percent for Pfizer and 94.1 percent for Moderna.However, signals in the data suggest Moderna’s vaccine may better protect against severe cases of COVID-19, while Pfizer’s vaccine may work better in adults over 65. But experts warned those differences may just be statistical illusions.In Moderna’s study of 30,000 volunteers, 30 people got severe cases of COVID-19. All 30 of those cases were in the placebo group, suggesting the vaccine offers powerful protection against the most serious symptoms.In Pfizer’s trial of 44,000 volunteers, one vaccinated person got a severe case compared to 10 people in the placebo group.“We still need more data,” said Dr. Abisola Olulade of Sharp Rees-Stealy. “It's not a reason to recommend one versus the other.”In adults over 65, the efficacy of Moderna’s vaccine dipped slightly to 86.4 percent. Pfizer’s vaccine was 92.9 percent effective in people aged 65 to 74 and 100 percent effective in individuals 75 and up.“When I think people in the community look at that number, they might say, ‘Oh, that Moderna vaccine probably isn't as good for the older population compared to the Pfizer vaccine.’ But as a clinician looking at numbers, they're both amazing,” said UC San Francisco infectious disease expert Dr. Peter Chin-Hong.FDA scientists found both vaccines are safe but short-term side effects are common, especially with Moderna’s drug. Both vaccines are administered in two doses. The table below lists the percentage of vaccinated volunteers who reported a side effect after either dose, although side effects were most common after the second injection.Side effect Moderna PfizerFatigue 68.5% 62.9%Headache 63.0% 55.1%Muscle pain59.6%38.3%Joint pain44.8%23.6%Chills43.4%31.9%Fever14.8%14.2%Typically the symptoms went away in one day.“Just because a vaccine has side effects doesn’t mean it’s not safe,” said Dr. Olulade. “We know that side effects happen actually because your immune system is working and waking up. It's actually a positive thing.”The slight difference in side effects could be because of differences in the way researchers polled volunteers, or it could be something with the architecture of the vaccines, experts said.The companies use different tiny bubbles of fat to enclose the messenger RNA. Moderna’s bubble is a little stronger and more stable so it doesn’t need to be stored at sub-arctic temperatures.“It could be that [Moderna’s] elicits a little more inflammation than the other,” Dr. Chin-Hong said.Having slightly more side effects could be a sign that Moderna’s vaccine prompts a stronger immune response that might lead to longer-lasting immunity, but the durability of either vaccine remains one of the most pressing unanswered questions.The biggest difference may be where the vaccines are deployed. Since Pfizer's vaccine needs to be stored at such cold temperatures, experts said Moderna's vaccine may be prioritized for rural hospitals and community health centers that lack ultra-cold storage units. 3370

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