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CORONADO - San Diego residents and visitors say they are feeling the psychological impacts of the falling stock market when it comes to their investing and spending. The Dow Jones Industrial Average dropped more than 650 points on Monday, its worst Christmas Eve performance ever. "My IRA is hurting," said James Adams, going to lunch in Coronado. "I can't really do too much. It's too late to move money around now so we just have to weather it and hope it goes back up."The Dow has dropped 15 percent in the last three weeks, pushed by political gridlock leading to a government shutdown, trade wars, amid rising interest rates. Alan Gin, an economist at the University of San Diego, said people tend to spend more when the stock market is doing well because they feel wealthier. However, the opposite happens when the market is on the downswing. Paul Aliu, visiting from Washington D.C., said it's scary for him to check his 401(k). He said he was reconsidering a trip to the Zoo after he found out the ticket was more than . "I'm watching every dollar and every penny that I spend," he said.Dennis Brewster, a San Diego financial adviser, said it's important to think long term and not panic. Selling now locks in any losses. "It's hard to keep your perspective when we're in the middle of these declines," he said. "I encourage people to keep a longer term view." 1379

CORONADO, Calif. (KGTV) - Its been almost six months since a drunk driver destroyed an iconic flower shop, the Coronado Flower Lady.Shanel Albert had only taken over as owner a year before the accident happened. She's continued to operate despite many challenges along the way.The business took a financial hit, forced to sell their van and take out a loan.But from the wreckage came kindness and love from the community.Shanel's husband Steve worked tirelessly to build a new flower shop.His friends at WeldTec Designs let him use their shop and tools, all while helping him along the way. The business also received donations from a Go Fund Me page.The Coronado Flower Lady will first have a soft launch in the next week and then a grand re-opening with city leaders.  783

CINCINNATI, Ohio – The national “If You Give a Child a Book …” campaign will distribute over 165,000 books to kids in low-income households across the country this school year after raising 5,369 during its annual fundraiser this fall.The childhood literacy campaign is led by the Scripps Howard Foundation and supported by employees of The E.W. Scripps Company, members of the Scripps family and communities where Scripps does business in more than 40 markets across the country. The campaign helps Scripps fulfill its vision of creating a better-informed world.Beginning January 2021, each Scripps TV station and national brand will partner with schools and nonprofits in their communities to ensure the books go to children who need them most, whether they are learning in a traditional classroom setting, remotely or a hybrid of the two.Since the campaign’s first year in 2016, more than 352,000 new books have been donated to children facing poverty in communities served by Scripps businesses. With the additional funds raised through this year’s campaign, the total number of distributed books will surpass 500,000.The first ,000 raised during the campaign was matched through a generous gift from The Kroger Co. Foundation. Additionally, members of the Scripps family matched Scripps employee gifts toward the campaign and granted each Scripps station a match of ,000 toward their local campaigns.“Having access to books at an early age is an important predictor of a child’s success. In fact, kids who learn to read are more likely to graduate, to vote and to be civically involved,” said Liz Carter, president and CEO of the Scripps Howard Foundation. “That is why the need this year is particularly urgent, with the pandemic affecting access to books for many families. We are blown away by the generosity shown during such a historic year – it’s a true testament to Scripps’ commitment to the communities they serve daily and the collective impact we can achieve for the future of thousands of kids across the country.”Scripps businesses place high priority on giving back to their local communities, including raising more than million for food banks across the country in June.Learn more and donate at ifyougiveabook.com. 2254

CINCINNATI, Ohio — An Ohio man who falsely claimed in 2019 to be a long-missing boy received a mandatory two-year federal prison sentence on Tuesday after pleading guilty to aggravated identity theft.U.S. District Court Judge Michael Barrett gave Brian Rini, 25, credit for time served in jail, where Rini has been detained for nearly 21 months. That means Rini will be released from prison in about three and a half months.In April 2019, Rini told federal agents he was Timmothy Pitzen, an Aurora, Illinois, boy who disappeared at age 6 in 2011.Rini claimed he was also a sex trafficking victim who escaped from his captors.His lies prompted a massive federal, state and local investigation and raised the hopes of the Pitzen family, only to see them crushed again when the FBI soon exposed Rini's lie."I just want to say I'm sorry for what I've done and that I wish that I could just take it back," Rini said during a video hearing in Cincinnati. "I'm sorry for the family."Rini has twice before made bogus claims about being a juvenile sex trafficking victim and only admitted to the hoax this time after being confronted with the results of a DNA test, according to the FBI."He can't keep doing this. This is no way to live his own life and he really needs to think of the people that he hurts when he does this," said Assistant United States Attorney Kyle Healey, who prosecuted the case.Healey said Rini's lies prompted a major criminal investigation that pulled important law enforcement resources away from other cases, and caused "an enormous amount of unnecessary pain to the victim's family.""He needs to understand that when he tells lies like this it does cause damage. It hurts people," Healey said.Rini will be under court supervision for a year after his release from prison.He said he expects to return to northern Ohio and live with his father.This story was originally published by Craig Cheatham at WCPO. 1932

CLEVELAND — Who’s been at a store buying holiday gifts and then the cashier asks, “do you want to sign up for our credit card today?” They might offer a discount or something else, but should you sign on the dotted line?“They make it easy. They really make it easy,” Leanne Smith said.Smith is from Solon and knows how stores can tempt you with their credit cards, but she’s sticking to her Target Red Card for now.“I don’t think it’s a responsible thing for me to have one at every store,” she said.Tedd Rossman from CreditCards.com said that if you ever plan on carrying a balance, store cards aren’t going to be the best option for you.“While sometimes these store cards can work for you, most of the time, they’re not the most consumer-friendly option,” Rossman said.That’s because Rossman says the average store credit card has an interest rate of 25%, some as high as 29.99% such as Discount Tire, Big Lots and jewelry store cards like Kay Jewelers.“These cards are not as selective about credit quality, which is why the retailers and their bank partners say they have to charge such high-interest rates,” Rossman said.CreditCardInsider.com recently rated various popular store cards based on various things like interest rates.Here are those results:Target - 24.4%Old navy - almost 26% (25.99%)Walmart - roughly 18-27% (17.99%-26.99%) interestNathan Grant from CreditCardInsider.com said you shouldn’t just sign-up at the checkout on a whim even if there’s a discount offered or cashback incentives.“The percentage of interest you’re paying might end up calculating to be more than what you got from spending on the cards,” Grant said.According to Grant, some of the better retailer cards are:Amazon prime cards with lower interest rates—5% back on Amazon purchases and gift cards when you sign up. Target—higher interest rate, but 5% back. And the only one rated excellent is Costco’s card, which has a 15% rate and various cash back options and good rewards on gas purchases.But keep this in mind: In a survey of nearly 3,000 shoppers nationwide, more than 40% said they regretted signing up for a retail credit card. Plus, one out of five in the survey said they carried a balance from the last holiday season, and more than 50% said they’ve paid interest on a retail store card.“That’s kind of like a wake-up call even to myself to be like I got to make sure that I’m always smartly shopping if I’m using credit cards,” Grant said.For Smith, she said she’s only carried a balance a couple of times in the past 20 years because she knows “if you can’t pay it, you really shouldn’t buy it just because you have a credit card.”Retail credit cards can give you benefits especially if you’re loyal to the business. It could help you build credit, but you’ll want to pay off your balances every month and spend responsibly.And another thing to watch out for is deferred interest. Even if you owe just one dollar by the time the term ends, you could end up paying interest on the entire amount you initially financed.This story originally reported by Jonathan Walsh on News5Cleveland.com 3102

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