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SAN DIEGO (KGTV) - At the end of the week, many federal government employees may find themselves in a financial bind as they arrive at their first pay period of the shutdown without a paycheck. Enrique, a federal contractor who did not want to use his last name, created a GoFundMe campaign to cope with the lack of funds. He asked for ,000 to cover his salary gap, posting a picture of his family to encourage donations. “This shutdown really affects me because once the shutdown ends I will not get back pay as a contractor,” Enrique said. Christian Rodriquez is a corrections officer at Metropolitan Correctional Center detention facility in downtown San Diego. His work is deemed essential, so he is working without pay."I'm going to have to borrow from family and friends to pay my mortgage, or get a loan," said Rodriguez.Some institutions, including Navy Federal Credit Union (NFCU), are offering no-interest loans to help workers through the crisis. Other banks, including Chase and Wells Fargo, encouraged affected customers to reach out for assistance.While some loans may have fair terms, government employees are warned to beware of so-called predatory lenders during the shutdown. The California Department of Business Oversight (CDBO) has established guidelines to protect borrowers from illegal and improper lending practices. The agency is warning government workers against excessively high fees and commissions, high interest rates, high-cost credit insurance, and refinancing with higher fees, known as “loan flipping”. CDBO experts have tips for anyone seeking a loan.Shop around: Compare interest rates and total costs of loans by several banks and credit unionsUse caution: Be wary of lenders who contact you first, or offers “only good for a short time”Ask questions: You have a legal right to know the total cost of the loan, the APR, monthly payments, and how long you have to pay it backThink before you sign: Make sure you understand all documents, and consider having someone else check them 2031

SAN DIEGO (KGTV) — Consumer spending in San Diego was down nearly .3 billion between February and April 2020, showing just how badly the COVID-19 pandemic crippled the local economy.Since stay-at-home orders began in March, SANDAG says taxable sales in the region dropped from an average of .3 billion to billion in April.The largest losses in the region were seen at apparel stores (an 83% decrease in sales) and restaurants (down 67%).On the other side, big-box retailers like Costco, Target, and Walmart have fared well, SANDAG says. Grocery stores and pharmacy, though, were actually down 10% in taxable sales. Home improvement sales were also up, likely due to stimulus checks, SANDAG adds."It is interesting to learn that grocery stores and pharmacy sales are actually down by 10%, while home improvement sales have spiked," said SANDAG Chief Economist Ray Major. "We can assume that during the pandemic, people had more time to work on outdoor landscaping, gardens, and other home beautification projects. Plant seed companies also saw increases-- nearly four times their average sales."Consumer spending among online retailers like Amazon increased 35% as well.SANDAG's report estimates that consumer spending will continue to be down through August, though slightly less each month. 1306

SAN DIEGO (KGTV) - As the country celebrates the 50th anniversary of the Apollo 11 moon landing, people in San Diego are looking back at how companies in this city helped NASA achieve the historic flight.You could argue that, if not for San Diego, the moon landing would never have gotten off the ground, or landed safely on the moon.Ryan Aeronautical Company built the lunar radar system that helped guide the lunar lander as it touched down on the moon's surface.General Dynamics built the Atlas Rockets that took some of the flights into outer-space."They didn't take them all the way up to the moon with the Atlas, but they helped set the stage to move forward to doing it," says San Diego Air and Space Museum Marketing Director David Neville.The museum has an Atlas Rocket on display at Gillespie Field, towering above the skyline. It also has the Apollo 9 capsule at Balboa Park.One of the docents at the museum worked on the antennaes that helped the capsules stay in constant contact with mission control."I can bring people over here and point to it and say that's what I did," says Ronald Pitcher, who volunteers at the museum and was an engineer working on the Mercury capusule, the Gemini and the Apollo spacecrafts. "It's a proud moment to be able to do that."Pitcher says he feels privileged to have played a small role in landing a man on the moon. He wishes the US had sent more people up."There's no question in my mind that we should go back," he says. "We should have done it when we had the technology and the poeple and experience and facilities in place."Saturday night, on the 50th anniversary of the landing, the Air and Space Museum will host a party to celebrate. They have family activities planned, including a special documentary screening.For more details on the party, click here. 1820

SAN DIEGO (KGTV) — Apple says it will temporarily close all of its California storefronts, as the number of coronavirus cases surge in the state, according to multiple media reports.The company's Golden State locations, including stores in Carlsbad, Chula Vista, Escondido, and two in San Diego, were all listed online as "temporarily closed" on Saturday.Apple says each store will be open for pickup of existing online orders, previously scheduled in-store Genius Support appointments, and previously reserved one-on-one shopping appointments made through Tuesday, Dec. 22.No date was listed online for when the stores would fully reopen.The closures come as California continues to see a surge in COVID-19 cases. Both the Southern California and San Joaquin Valley regions hit 0% ICU bed capacity and the state reported more than 43,600 new virus cases on Saturday. 875

SAN DIEGO (KGTV) — As the Padres take the field on Friday for their home opener against the Arizona Diamondbacks, fans will not be in the stands in the traditional sense.Instead, the Padres plan to deploy cut-outs of players' family members or loved ones, military members, and select fans to populate Petco Park's seats.During the season, fan cardboard cutouts will be placed in the Lexus Home Plate Club Seats behind home plate, according to the team. Every homestand will feature a different theme, starting with players' families and inspirational figures during opening weekend.RELATED: San Diego video game makers to help fill silence during MLB seasonPadres players and their families submitted photos, including pics of their pets, to be in their special cheer section. The team says 79 photos will be featured. Throughout the season, other themes will include Padres season ticket members, frontline workers, a celebration of Jackie Robinson Day, the 100th anniversary of the Negro League, military members, and first responders.Other chances for fans to get in the stands will be made available through Petco for a limited number of fans to be featured in the Barkyard by Petco section and through USAA for military members in the Military Appreciation Section (Section 325).RELATED: MLB playoffs expanded to 16 teams for 2020, reports sayThe cardboard cutout trend is being utilized more and more by teams during 2020's fanless season at ballparks amid the COVID-19 pandemic.One option has also been to feed in crowd noise. Sorrento Valley-based San Diego Studio, the creators of MLB The Show 20, were tasked with filling up the silence of the ballparks by calling on a large collection of real sounds for just about any play. 1745

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