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SAN DIEGO (KGTV) — After the polls close on Election Night, ABC News and the other major networks will start projecting winners and “calling” races, in some cases well before the official vote counts are finalized.They’ll do it by relying on data from a New Jersey-based company called Edison Research.Edison provides exit polls, survey data, and vote counts for ABC, NBC, CBS and CNN. The company has provided data for this group of networks, known as the National Election Pool, since 2004.“We know what we're doing is really, really important,” said the company’s president Larry Rosin.In certain races, networks will project a winner shortly after the polls close, sometimes before state election officials report any official vote totals. Such a projection is nicknamed an “insta-call” in the news business.Networks only make insta-calls in races where Edison’s exit polls and telephone surveys in the days leading up to the election show a decisive winner, Rosin said.ABC News only issues a projection when statistical models overseen by a team of mathematicians and elections experts show a winner with 99.5 percent confidence.Each network has its own team of experts that crunch Edison’s numbers. Fox News makes projections based on data provided by the Associated Press.When a race is close, the network decision teams turn to more complicated math.“It’s a matter of looking at that historical vote all the way down to the precinct or county level and comparing how the vote is coming in, in that state up to that point,” said Rosin.On Election Night, Edison has thousands of employees fanned out in virtually every county across the nation, monitoring the vote count as it comes in and manually reporting the totals when necessary. There are other employees whose job is to check the numbers for accuracy.Edison’s data helps networks understand how preliminary vote totals compare to the way regions voted in the past, which is an important metric in an election forecast.“If every precinct was just a little bit more Republican than it had been four years ago, you have a good sense that all the other precincts that are similar will likely be a little more Republican, and the Republican will do a little better than four years ago,” Rosin said as an example.Using those kinds of trends, the networks then forecast how many ballots are still left to be counted, and what kind of ballots those are -- either in-person early votes, in-person votes on Election Day, or mail-in votes.At that point it comes down to a formula, comparing the known reported votes to the outstanding votes a candidate is likely to gain.“It’s a very high pressure project, but I’m proud to say that no network has made an incorrect call since the 2004 cycle,” which was Edison’s first year providing election data to the networks, Rosin said.The company started doing this after the debacle in 2000, when networks incorrectly called the race in Florida between George W. Bush and Al Gore. Rosin said a lot of things have changed since then.“The pressure to make calls correctly really superseded the pressure to call quickly,” he said.This year could be a challenging one to forecast, Rosin said, with so many more mail-in ballots because of the pandemic. Mail-in ballots take longer to process because election workers have to compare the signature on the mail-in ballot against the signature a voter has on file.For that reason, Rosin said it may take a while for the networks to call races in certain key battleground states that start their counting process late, like Pennsylvania and Michigan. 3594

SAN DIEGO (KGTV) — A Scripps Ranch woman who contacted Team 10 about problems with her Samsung refrigerator is now receiving a full refund after Team 10’s story aired.Stephanie Nivinskus bought her Samsung french door refrigerator in December 2014. It cost her nearly ,000. She said she had issues roughly six months after she bought it. "It's been a headache since the beginning," Nivinskus told Team 10 in September.The first problem was the ice maker does not function properly, according to Nivinskus."The ice just gathers and collects up there. It makes it so it doesn't work," Nivinskus said.She also has issues with the temperature of the refrigerator. The FDA says a safe temperature inside a refrigerator is 40 degrees or below. During the initial interview with Team 10, the thermometer inside of Nivinskus' refrigerator read about 56 degrees."Having spoiled food is a real problem," she said. RELATED: Samsung customers upset over broken ice makers and high temperatures on fridgesNivinskus said a Samsung representative called her after Team 10’s first story. Shortly after, a full refund for her refrigerator was processed.“Thank you so much for helping us because fighting by myself, I was getting a whole lot of nowhere,” Nivinskus said.Samsung is currently facing a class-action lawsuit regarding the broken ice makers. There are also more than 5,400 people in a Facebook group demanding a recall of Samsung refrigerators.In an email, a Samsung spokesperson told Team 10 in response to the initial story: "At Samsung we stand behind all of our products, including our refrigerators, and want to ensure our customers are completely satisfied. If a customer encounters any problem with their product or service, we encourage them to reach out to us directly at 1-800-SAMSUNG so we can provide assistance."Nivinskus said she spoke to customer service before contacting Team 10. She is encouraging other customers dealing with similar problems not to give up. "Keep fighting,” she said. “They need to take responsibility for this and you need to get what you paid for." 2092

SAN DIEGO (KGTV) - According to the San Diego Association of Governments, the unemployment rate in San Diego County was just under 16% at the end of June. The good news is that number is down from the 25% unemployment in May. Still, more than 250,000 San Diegans are unemployed, and many are hurting financially. However, ABC 10News did discover a select group that plans for unforeseen events such as the COVID-19 pandemic, and they seem to be doing just fine. What's their secret? FIRE.FIRE stands for Financial Independence Retire Early. We profiled this group back in November. Last fall, we met Jennifer Mah, a money coach and Community Manager for the San Diego FIRE chapter called Choose-FI before screening a documentary on the subject. And we learned then that many in the Financial Independence community save an average of 40% of their income. So we wanted to know, how are they doing now in the middle of this financial meltdown?"This is the first time in an economic downturn or instability that I've ever had a sense of strength," says Mah over a recent Zoom interview.And Jennifer's not alone. She introduced us to two couples with diverse stories."As soon as quarantine started and I was laid off, that was super scary for me," adds Grace Damazo.But not as scary for Grace and Mike Damazo had they not been part of the Choose-FI community. The Damazo's are a self-described frugal couple in their 30's. Yes, they save more money than many of their peers, but they're also investing in real estate. And before the pandemic hit, they sold one of their cars to cut back on expenses. If they travel, they do it with credit card bonuses, meal prep to save instead of eating out, and if they do, they take advantage of happy hours or specials."And also Grace, cutting my hair," says Mike laughing.From the looks of it, Grace is doing a great job with those clippers, and it all adds up. Mike's position in the Navy is, of course, considered essential. But Grace, a fitness instructor, was laid off at a big box gym and immediately transitioned her clients online. The pandemic only has them doubling down on saving."It was a realization that this was the right path, at least for us, and we need to fast track it," adds Grace.And then there is Wendy and Curtis Mays. A couple in their 50's, with six kids. If you think 50 is too late to start saving, think again. The Mays claim they were in a million-dollar hole just three years ago, and then they found Choose-FI."It's been a long time of having that fear in the back of our minds, and to not have it anymore is just incredible," says a relieved Wendy Mays.Wendy and Curtis sold their house and started renting because they could save more money and pay down debt. Family outings are free when possible, like a trip to the beach. They've paid down so much debt; Wendy was able to quit her full-time job and co-host her own financial consulting business. Curtis says the key is moving past the stigma of debt, talking with others, and figuring out what works best."They're able to do it, and we're able to do it, we just put it in our form with our platform, with our background, with our kids," adds Curtis Mays.Both couples were on what they call a 50-50 plan. 50% of their income goes straight to savings, and 50% to pay down debt. But in these uncertain times, they say they're saving even more because you never know what tomorrow will bring. 3417

SAN DIEGO (KGTV) -- A water main break flooded streets and cars in North Park Sunday morning. According to authorities, the break happened near University and Polk Avenue around 4 a.m. The water flowed down to Florida Drive and Pershing Drive where a driver got stuck in rising water, according to police. Police say the man is a doctor who was heading to work at the nearby Navy Medical Center and didn’t know how deep the water was. Crews on scene were able to get the man out of his car. He was uninjured. Crews were forced to shut down eight different valves to get the flow of water to stop. No homes or businesses were injured. 642

SAN DIEGO (KGTV) -- A sea of purple covered Mission Bay Park as thousands showed up to ride, run and walk for epilepsy awareness.The event is Sharon's Ride, Run, Walk.  Sharon’s Ride was started by Dr. William Rosenfeld honor Dr. Rosenfeld’s sister, Sharon,  who was killed in a bicycle accident while bicycling cross country. She was also a nurse and teacher who cared deeply about epilepsy. Dr. Rosenfeld is the chairman of the event nationwide.   Participants could choose from a 15-mile bike ride or a 5k run or walk around Mission Bay.   The money raised benefits the Epilepsy Foundation of San Diego County.   678