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SAN DIEGO (KGTV) -- Emily Lake opened Sisters Pizza in Hillcrest last summer to honor her sister Kate, who passed away at an age too young.Her restaurant features a wall of framed pictures of sisters and people who are like sisters - many who have become regulars at the neighborhood eatery. "People have contributed pictures of them and their sisters, them and their friends, and it's not just women. It's anybody who has a close relationship," Lake says. Lake says business had been going even better than expected, until the coronavirus outbreak. Now, her restaurant and those across the county have been reduced to takeout and delivery. "Being any sort of small business owner, and such a brand new one too, we're just navigating scary waters and doing the best we can," says Lake, who owns the restaurant with her husband Trevor. Lake estimates that 60 to 70 percent of their revenue is gone forever. That's because standard insurance policies do not cover loss of business for viruses and bacteria. "I thought that it would be a force majeure or considered an Act of God, and unfortunately it is not," Lake says. "Even in our catastrophe insurance, which would cover earthquake or other natural disasters, this pandemic is not included."But those in the insurance industry say it's an uncertain situation. That's because businesses aren't contracting or closing because they themselves have become infected. Instead, they are doing so because the government is telling them to. One San Diego insurance broker told 10News businesses should make a claim regardless. If it's denied, so be it. Lake said she'd look into that option."At this point we'll pull out all the stops in order to stay in business," Lake said. Meanwhile, California's Department of Insurance is advising all business owners to contact their insurance companies to go over options. A department spokesman added that insurance Commissioner Ricardo Lara is communicating with state and federal authorities on options for businesses. 2014

SAN DIEGO (KGTV) - From a small chicken stand, Charlie Boghosian built an annual tradition.Every year, San Diegans and tourists visit the Del Mar Fairgrounds to see what Boghosian has delivered. Is it fried [insert food here]? Almost guaranteed."Chicken" Charlie started working at the Del Mar Fairgrounds when he was 14-years-old. But his love for cooking began far sooner.SAN DIEGO FAIR COVERAGE: 416

SAN DIEGO (KGTV) - Feeling overwhelmed by bills? 10News is exploring solutions for making it in San Diego and found there may be a way around the mountain of debt.A recent study by Lendedu suggests companies are open to allowing consumers to negotiate their bills. Using data provided by the company Truebill, Lendedu analyzed which companies tend to be more generous in negotiating with customers.Satellite service providers were analyzed in the report. Customers of SiriusXM had the highest success rate in negotiations, according to Lendedu. Consumers had negotiation success rates in the 80s with three other companies, Suddenlink, Centurylink, and Dish Network, the report showed.The study went on to note, “When it came to how much companies actually knocked off the average customer’s bill, SiriusXM once again led the way; the average SiriusXM customer was able to decrease that monthly charge by 40 percent or more. Immediately behind SiriusXM was CenturyLink, ADT Security, and DirectTV, who all fell into the 25 to 29 percent range in terms of the percentage the bill was decreased by post-negotiations.”RELATED: Making it in San Diego: How to deal with large medical bills"They're looking at who you are as a consumer," said Steven Osinski, a sales and direct marketing professor at San Diego State University. Osinski says the way businesses make their money, especially when it comes to services, is through recurring revenue. Once you're signed up, many will cut deals to keep you."There’s an industry term that we call churn, and basically what happens is it costs about five to ten times on average more money to obtain a new customer then it does to keep one," said Osinski.If you're thinking about trying to negotiate, Osinksi says companies are looking at certain factors before they agree to different terms.RELATED: Making It in San Diego: San Diego woman climbs out of 3,000 debt hole"They’re looking at who you are as a consumer,” he said. “Are you paying your bills on time, are you prompt, do you have extended coverage, have you been with them for a long time."Osinski says don't be afraid to ask companies for a lower price. You never know what they might say. 2199

SAN DIEGO (KGTV) -- Governor Gavin Newsom is set to visit San Diego Friday in a last-minute push for proposition 13. Newsom will make a stop at Dana Middle School at 8 a.m. as part of his statewide get-out-the-vote tour. Proposition 13 would authorize billion for K-12 schools as well as universities and community colleges. Newsom has said that the bond money would prioritize modernizing schools as opposed to new construction. RELATED: Everything you need to know about Proposition 13 - school and college facilities bondThose against proposition 13, including the Howard Jarvis Taxpayers Association, say it would cause an increase in local property taxes and add to state debt and interest costs.“Like all bond debt, that must be paid ahead of any other priorities, even law enforcement,” the association says. “If there is a recession, too much debt puts us at risk of a reduction in services or demands for emergency tax increases at the worst possible time.”The California Legislative Analyst says the state would pay billion in total - billion in principal and billion in interest. The payments would be made over 35 years from the General Fund, Ballotpedia says. 1196

SAN DIEGO (KGTV) -- For the first time in nearly 100 years, an integrated company of male and female recruits at MCRD San Diego are about to begin their journey into becoming Marines. These future Marines will be led by graduates from MCRD's first ever integrated Drill Instructor Course. Now the mission of the course is to screen, train, and further develp leadership and command presence of selected Marines, in order to successfully perform duties of a drill instructor."We are taking them from the leadership skills, that they had in the fleet, and further refining them here," says Major Lynn Stow, Director of the MCRD San Diego Drill Instructor Course. "The drill instructor's goal is to successfully transfer recruits into United States Marines."Fifty-seven Marines are scheduled to graduate from the grueling 57 day course, and for the very first time, the graduating class will include 3 females."Getting the opportunity to come here was almost like divine intervention, everything just kind of fell into place," says student Sargent Stephanie Fahl. "To come here and make it this far, I'm really proud of myself."These future drill instructors at MCRD are looking forward to changing the lives of young 17 and 18-year-old recruits. "The change I'd like to instill in the recruits is to obviously maintain that discipline that's a staple of recruit training,"says student Sargent Stephanie Jordi. "I'd also like to inspire them and teach them how to become leaders even from that lowest level." Student Sargent Ikea Kaufman feels being a drill instructor is about teaching recruits how to be men and women."There is more to life than social media and all that. There is actually responsibility."And while Drill Instructor Course is very rigorous, the payback is immense. "You have contributed to the mission of making Marines. You have been able to take these recruits from day one and transform them into Marines. They are going to look up to you as their role model." 1991

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