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POWAY, Calif., (KGTV) — Six days after the City of Poway issued a Boil Water Order, some restaurants are reopening, after getting special permits from the Health Department. On her first day back to work, a server at Mainstream Bar & Grill got the surprise of a lifetime when she received a ,000 tip from a regular customer. It's been a while since hungry customers walked into the Mainstream Bar & Grill. Six days after receiving Poway's food facility closure notice, Mainstream is one of a few restaurants that are reopened. Mandated by the Health Department, they now have a modified eight-item menu with ingredients not prepared on-site, a boiled water hand-washing station, and disposable cups and utensils. RELATED: Poway could face fines as water boil advisory continues"We submitted a payroll today," restaurant manager Brian Harvey said. "Employees, we want them to get back to work as quickly as possible. Especially this time of year."It's a time when a lack of cash could be the difference between holiday cheer and holiday drear. "You do really want to budget," server Sarah Klein said. "You really want to figure out what you want to do for the holiday or how you are going to spend your money, so that was scary."Klein, a six-year veteran server, was out of a job for five days. But Thursday morning, she was back on her feet. She greeted and served her regulars without a hitch. She even chatted with one of them about how the water outage was affecting her family. RELATED: Poway school district sends parents action plan after water boil advisory issuedNext thing she knew, she was given what he called a "donation.""He came back with an envelope and 00 cash was inside for me!" Klein said. At first, she did not want to accept it. But she said the donor insisted that she take it. "Poway is like a family. And they come together in times of need, and it's definitely one of those times," Harvey said. RELATED: Poway small business owners worry as boil water advisory continuesKlein says she has no idea how she will spend the money but hopes to pay it forward somehow. "Gosh, I don't know. You know, just spend it on my son's birthday, it's this month. And the holidays. So now there is so much more we can do. So I'm just really proud to be in Poway," Klein said.Klein said the donor is also a Poway resident, going through the same water crisis, which is why this gift is even more precious. The City of Poway said they are working to restore the water by Friday. 2505

President Donald Trump on Tuesday embraced a line of defense offered by his attorney, Rudy Giuliani, that "collusion is not a crime," even though he continued to deny any alleged ties between his campaign and Moscow during the 2016 election."Collusion is not a crime, but that doesn't matter because there was No Collusion (except by Crooked Hillary and the Democrats)!" Trump tweeted.Speaking to CNN's "New Day" on Monday, Giuliani said he wasn't sure if collusion was a crime."Four months, they're not going to be colluding with Russia, which I don't even know if that's a crime, colluding about Russians," Giuliani, a former federal prosecutor, told CNN's "New Day." "You start analyzing the crime -- the hacking is the crime. ... The President didn't hack."Trump himself made a similar argument to The New York Times in December.Legal experts, however, have repeatedly said that anyone found collaborating with Russia on the 2016 election could be charged with other crimes, such as conspiracy, and special counsel Robert Mueller's investigation has not concluded.The-CNN-Wire 1088

PRAIRIE VILLAGE, Kan. — A Kansas City area family is celebrating a big win. They paid off more than 0,000 in student loan debt in a little over six years.Ashlyn Yarnell accumulated the debt in the process of becoming a family law attorney."That was my calling. That's what I knew I wanted to do, and that was the path to get there," Yarnell said.Because she attended college and law school on the heels of the recession, a lot of scholarship money dried up, leaving student loans as the only option."I did everything I could think of. I worked jobs, I lived with friends, lived with family when I could," she said.By the time Yarnell graduated, her debt total came to 0,500.Paying it all off seemed daunting at the time, but Yarnell and her husband, Drew, immediately got to work. They shared advice for others starting their debt journeys.Study your debt"It's like tackling an opponent. You've got to study that, you've got to learn about all the options you have to get rid of it," Ashlyn Yarnell said.She created a spreadsheet to track the balances of her loans and the total paid each month."We had a plan right out of school, how many years it was going to take, how we were going to handle this," Drew Yarnell added.Flexibility with that plan is important, as Drew said it took them slightly longer than they anticipated to pay off the debt.Consider refinancingWhen Ashlyn began paying off her loans, the interest rates were all over the map."Some were a low 2 percent interest rate," she said. "Some were as high as 10 percent."By refinancing, she was able to get the average rate down from 6.8 percent to 4 percent.Those considering refinancing student loans now should keep in mind payments on federal loans have been suspended interest-free through the end of the year."You really need to think twice about refinancing a federal student loan because you lose those benefits," said Brian Walsh, manager of financial planning for SoFi, the personal finance company Ashlyn used for refinancing.The Yarnells also refinanced their home in the spring to help with final loan payments.According to Walsh, there are some important factors to consider before taking that step. Look at the closing costs first."How many months is it going to take me to recoup those costs, and am I going to live in this house long enough? Otherwise refinancing your home might not be a good idea even if it is a lower interest rate right off the bat," he said.Celebrate small milestonesAt the start of the couple's repayment journey, the daily interest rate was ."Every day I imagined handing my lender a bill in addition to everything I already owed, and that was unacceptable to me," Ashlyn said.She and Drew celebrated as they were able to knock down that daily interest rate, eventually reducing it to just ."You don't have to wait until the very end to enjoy knocking off a certain number," Drew Yarnell said, "If you get to a milestone, I think it's important to celebrate it on the way."Be sure to set small goals within the long-term plan."You break it up into microgoals, and it helps you stick to it and kind of hit the reset button once you hit that goal a couple months down the road," Walsh said.The Yarnells reached their finish line in May, when Ashlyn submitted her last student loan payment."I was screenshotting everything. My husband was taking pictures," she said, "And there were not even tears, it was sobs of relief."With interest factored in, the total came to nearly 4,000.The couple wanted to take a trip to celebrate, but COVID-19 interrupted those plans. Instead, Ashlyn wants Drew to pick out something for himself since he came along on the debt repayment journey with no complaints."He is a total team player," she said.The Yarnells also started education funds for their two sons, Charlie and Jack.Here are some other tips from SoFi for paying down debt:Figure out your monthly spendingUse a budgeting app to stay on trackConsult an expert if developing a plan on your own is too difficultDon't be afraid to talk about your debtThis story originally reported by Cat Reid on kshb.com. 4126

POWAY, Calif (KGTV) -- The Poway Unified School District doesn’t plan to return to in-person learning following winter break, officials announced Tuesday.According to a letter sent to families, the district plans to suspend in-person learning for all students and schools for two weeks, from January 4 through the 15.During that time, district officials say all students will learn from home. “On-campus learning will resume Tuesday, January 19, 2021,” the district said.The district still awaits approval from the board at a Thursday meeting where the move could be solidified.Read the full letter to families below: 625

PORTERVILLE, Calif. (AP) — Police say a man was arrested after a 3-year-old picked up an unattended handgun and pointed it at a family member at a home in central California.Officials in Porterville say the gun was quickly taken away from the child and nobody was hurt.The Fresno Bee reported Saturday that officers responded after authorities got a call that a child had access to an unattended handgun.RELATED: 420

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