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Buying a home can be nervewracking, especially if you’re a first-time home buyer. Not only is it probably the biggest purchase of your life, but the process is complicated and fraught with unfamiliar lingo and surprise expenses.To make the first-time home buying journey a little less stressful, NerdWallet has compiled these 25 tips to help you navigate the process more smoothly and save money. 404

CAMP PENDLETON, Calif. (KGTV) — Shortly after the De Luz Fire ignited on Camp Pendleton Wednesday, an unnamed Gunnery Sergeant jumped into action to evacuate more than 70 students.The brush fire broke out on base just after 12 p.m., prompting several precautionary evacuations of nearby structures, including schools, businesses, and hundreds of homes in the DeLuz Housing area.While there were no students or staff at Mary Fay Elementary School at the time of the fire, the base says, there were 73 students at the nearby Child Development Center that needed to be evacuated.An unnamed Gunnery Sgt. with the Provost Marshall’s Office commandeered a city transit bus to evacuate the children and residents, the base said. Emergency Services Battalion police and fire crews, along with NCIS agents, also helped transfer each student to the evacuation point to be reunited with their families."This Gunnery Sgt. exhibited but one example of the brave, fast-thinking actions that were taken this day," a release from Camp Pendleton officials said.Within three hours of sparking, the De Luz Fire was largely stamped out by firefighters as high temperatures brought an elevated threat of wildfires to the county on Wednesday."Their quick and heavy response, deploying all available units and requesting aid from CAL FIRE/San Diego County Fire Authority, allowed for residents to return to their homes within four hours after evacuating," the release added.The only loss from the fire was an NCIS government vehicle, according to officials. No structures were lost, besides an electrical transformer and slight roof damage to a home as well. No injuries were reported. 1670

CAPE CORAL, Fla. - It all started with a high school assignment.Megan O’Grady says she had to write about a topic that she felt passionate about in her life.As the daughter of a law enforcement officer who had recently learned of the deaths of five officers during a 2016 protest in Dallas, it wasn’t hard for her to share what she was feeling at the time.That paper would soon turn into a passion project and the nonprofit, Blue Line Bears.Four years later, the group has dispersed more than 700 teddy bears - sewn with the uniforms of fallen law enforcement officers and given to loved ones that have been left behind.“Taking that uniform shirt and making it into something that can be held and cuddled...it gives them comfort and a little bit of their loved one back,” the 18-year-old tells FOX 4.She says prior to this year, Blue Line Bears filled five to ten requests per week from agencies across the country.“Now, it can be up to like 20 or 30”.Megan’s father is Master Sergeant Patrick O’Grady with the Cape Coral Police Department.He says agencies from all over reach out to the group for bears.O’Grady says they also use the website Officer Down Memorial Page to keep track of impacted families.According to the site, there was 148 line of duty deaths in 2019.This year and at the time of this story, the website reports that the number is already 247.The site says most of those deaths are related to COVID-19 and gunfire.“At any time, we can have over 100 shirts waiting to be turned into bears,” O’Grady says.With an increase in demand comes the need for an increase in space.That’s why the nonprofit is now expanding to an official location in Cape Coral.Megan says the new space will serve as a place to hold meetings and a go-to location for the community to purchases merchandise.She says she's most excited that it will also provide a bigger workspace to prepare the keepsakes that bring support to many families.Because as Megan, now in her first year of college, says, “There’s always a lot of bears to be made.”The O'Gradys say the new location will be complete by the end of the year.The address for the new storefront is 3032 Santa Barbara Boulevard.Click here for more information about Blue Line Bears.This story was first reported by Shari Armstrong at WFTX in Fort Myers, Florida. 2315

CARLSBAD, Calif. (KGTV) - The purchase of a dream home nearly turned into a nightmare for a Carlsbad family, as they narrowly avoided a costly escrow scam.In late July, Greg Shoman and his wife were just days from closing on a four-bedroom home when he thought he got an email from his escrow officer with wiring instructions for the down payment to be sent that day. In the email, the escrow officer said she was busy and could only talk by email, before sending him a calculation of the closing costs. "You see so many emails and documents during the process, and you start to become numb to it ... Everything on the email - from the masthead to the signature - looked like the emails we had been receiving from the escrow company during the process," said Shoman.Shoman went to his bank to wire the money. His bank happened to be the same bank the money was to be transferred to, and the bank confirmed the routing number matched a non-business account in Wisconsin, not a California escrow company. After a call to the real escrow company, he learned the emails were fakes."Surprised and angry, and then ultimately relieved you didn't give away several hundred thousand dollars," said Shoman. Shoman isn't alone. According to the FBI, Americans lost 0 million to real estate fraud last year. In many cases, the scammer identifies pending home sales through the MLS and real estate sites and hacks the emails of someone involved in the sale, before sending out false wiring instructions."Be aware, be vigilant, and call your escrow company. Don't be afraid to triple check," said Shoman's realtor, Ilana Huff of Pacific Sotheby's.Shoman says the FBI is investigating his case. He says a closer look at the emails revealed the email address in the scam message was different from the email address of the real escrow officer. 1838

California Attorney General Xavier Becerra and top education leaders in the state announced Thursday that California was suing the Trump administration in an attempt to stop a directive that would force international students to leave the country should their schools conduct classes exclusively online.Immigrations and Customs Enforcement (ICE) announced on Monday that students on F-1 and M-1 visas would either need to leave the country or transfer to a school where in-person classes were taking place or else face deportation."Shame on the Trump Administration for risking not only the education opportunities for students who earned the chance to go to college, but now their health and well-being as well," Becerra said in a press release. "Today, President Trump appears set to do just that — amidst a global pandemic of historic proportions. Not on our watch."Becerra was joined in the lawsuit by the chancellors of both the state's university and community college systems.California is the first state to file a lawsuit against the directive. Harvard and MIT filed lawsuits against the administration earlier this week.NBC News reports that there were more than 40,000 international undergraduate and graduate students during the 2019 fall semester.According to NAFSA: Association of International Educators, international students contributed billion to the U.S. GDP during the 2018-19 school year. 1422

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