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SAN DIEGO (KGTV) - Life in San Diego is expensive. Most people would like to have more money, but they don’t always like talking about it. 10News is exploring solutions in our coverage of Making It in San Diego. The fear can grow when retirement comes closer. “You wake up and it’s already gone, and I’m in my early 60s and all of a sudden you have to plan for these things,” says Bob Bishop, who is close to retirement age. RELATED: Making It in San Diego: Not all 401Ks are equalThe SDFLC is a nonprofit group offering help to people at every stage of life, free of charge. “Planning, figuring out what it is you want to accomplish is the most important thing you can do,” says Chase Peckham, Director of Community Outreach at the SDFLC.Through programs like “Smart with your Money” and “Boost for our Heroes”, the center tailors its financial advice to the customer’s needs. RELATED: Making It in San Diego: Woman climbs out of 3,000 debt holeThe hardest part of the planning is asking for help. “We’ll hire somebody to come help us in our yard, we'll hire somebody to come fix our plumbing, so why not get help from financial experts and they see it every single day.” Experts offer one key tip to get started: pay yourself. “That way you know every single month what's leftover. You don't have to put away because you've already put away the amount you want to put away.” 1387

SAN DIEGO (KGTV) -- Local gym owners are faced with another difficult decision as San Diego County moves into the purple tier, the most restrictive of the state’s classifications of COVID-19 spread.Under the new regulations, gyms may not operate indoors, meaning those who cannot operate outdoors will be mandated to close.The restrictions take effect Saturday.RELATED: County moves into California's COVID-19 purple tier“You want your members happy. You want your staff happy. You’ve got to put food on your table. And you’re trying to do the right thing, you’re wearing a mask and you’re indoors, so it’s going to be just an unbelievable, worrisome time,” said Bryan Welch, general manager of the Point Loma Sports Club.Welch said the new restrictions will not have a significant impact on his gym because the Point Loma Sports Club had already moved 90% of its operations outside. But he said he empathizes with gyms that do not have usable outdoor space or a cooperative landlord.Even some gym owners that can move outside may not choose to do so. They say limits would force them to operate at an untenable loss, leaving them to choose between operating indoors in violation of public health orders or going out of business. One owner, who did not wish to be identified, told ABC 10News he plans to continue indoor operations in order to stay in business.RELATED: Restrictions to hit retailers as holidays approachWhile Welch is empathetic to gyms facing that tough decision, he said he believes the only way to safely reopen all businesses is for the portion of the public that has eschewed safety measures to commit to wearing masks and social distancing.“I think your freedom actually grows. And you have to wear a piece of cloth on your face. Who cares?” said Welch. 1783

SAN DIEGO (KGTV) — Jessica Mattly was all smiles Thursday, ironically, thanks to the state Employment Development Department.“For the first time they called me,” she said. “I didn't call them. It was great.”A representative from the EDD, which issues unemployment insurance payments, called Mattly to tell her that they finally processed her application for jobless benefits. They’d begin by sending her four weeks of backpay.Mattly’s had been trying to get through to the EDD since she lost her job at a San Diego resort in late March, when Coronavirus restrictions went into effect. She filed for unemployment immediately, but like thousands of other San Diegans, got a request from the EDD for identity verification.She submitted the necessary documents, but never heard anything back.“I would just keep dialing, and keep dialing, and keep dialing, and I understand the definition of insanity. I do. And it felt like that was my only option,” she said.Mattly kept running into walls, until she turned to State Sen. Ben Hueso’s office, which contacted the EDD on her behalf.That lead to Thursday's phone call.Others, like Audee Kammer - just wouldn't take no for an answer.The EDD denied her identity documentation twice. She called hundreds of times - finally appealing the denials and getting a telephone hearing with a judge, who authorized payments.“I could see how some people, it could just throw them into deep depression and despair,” she said. “I feel for a lot of people out there that are in my same situation that I was and don't have the drive to keep knocking on that door.”Meanwhile, the latest state numbers show more than 230,000 San Diego County residents are unemployed.The EDD says its funding has increased drastically since the pandemic began and is now undertaking a massive hiring effort.It has filled 900 new positions to process an unprecedented amount of claims - with an additional 1,900 openings.Sen. Hueso represents the 40th Senate District, which includes portions of the County of San Diego and all of Imperial County. If you don't reside in District 40, you should contact your elected representatives for your area. To find your representative, click here. 2201

SAN DIEGO (KGTV) - Like Pfizer, Moderna, AstraZeneca, and many others, INOVIO Pharmaceuticals has also raced to develop a COVID-19 vaccine this year.“We’ve been working really hard to move our vaccine through the stages of clinical testing. Some things have taken a little bit longer than we hoped. I think that’s kind of always the case when you’re trying to go at great light speed,” said Dr. Kate Broderick, INOVIO Pharmaceuticals Senior VP of Research & Development based in San Diego.Broderick said with funding from the U.S. Department of Defense, the biotech company started its Phase 2 clinical trial evaluating its DNA vaccine candidate, INO-4800.The first U.S. participants received a dose of the experimental vaccine earlier this month. Approximately 400 adults in the U.S. are expected to be enrolled in the trial by the end of the month.“We hope that in the early part of 2021, we’ll be going into a really large Phase 3 trial where we’re asking the question does our vaccine protect against the disease itself,” she said.Broderick said the company hopes to enroll about 6,000 participants initially in its Phase 3 trial once they get the green light to begin.A press release from the company last week stated that “The Phase 3 segment of the INNOVATE remains on partial clinical hold until INOVIO satisfactorily resolves the FDA’s remaining questions related to the CELLECTRA 2000 device that will be used to deliver INO-4800 into the cells of the skin.”Earlier data released from Pfizer and Moderna’s studies showing high vaccine efficacy was positive news for INOVIO.“We feel that we’re in a really good place. There’s eight billion people on the planet, and we’re certainly going to need quite a few different types of vaccines to ensure everybody is protected,” she said. “The Moderna and Pfizer vaccines are RNA vaccines; ours is DNA vaccine”Broderick said one significant benefit of INOVIO’S DNA vaccine candidate is it doesn’t have to be stored in low-temperature freezers, making it easier to ship out worldwide if approved.“In fact, we can keep it at room temperature, sitting on a desk somewhere for a year with no impact,” she said.INOVIO is projecting to have 100 million doses of its vaccine ready in 2021.“With these vaccines being approved, there is definitely an end in sight, but don’t let your guard down too fast,” she said. “Unfortunately, until everyone in the country gets vaccinated, we will still have to adhere to those kinds of annoying things, wearing masks, socially distancing. I know it’s frustrating, especially before the holidays, but just keep yourself safe and the people you love safe.” 2648

SAN DIEGO (KGTV) - Mayor Kevin Faulconer Wednesday called on the City Council to pass several proposals that he says will help increase San Diego's housing supply, lover development costs and promote smart growth. 221