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EL CAJON, Calif. (KGTV) — FBI investigators are searching for two men wanted for robbing an East County bank last month.Two men entered the Citi Bank location at 402 Fletcher Parkway in El Cajon on Dec. 27, 2019, just before 1:30 p.m. One men approached a teller and made a verbal demand for money while the second suspect remained in the bank lobby.After receiving an undisclosed amount of money, the suspects left the bank on foot in an unknown direction.The first suspect is described as a Caucasian man, in his late 40s to 50s, about 5-foot-9, with slender build. He had dark, possibly dyed, hair and a dark handlebar mustache. He was last seen wearing reading glasses, a camouflaged baseball cap, long sleeve blue shirt with a short sleeve red shirt on top, and boots.The second suspect was also described as a Caucasian man, in his late 30s, standing about 5-foot 10-inches tall, and with slender build. He was last seen wearing a navy blue baseball cap with a San Diego Chargers logo, dark-colored zip-up jacket, jeans, and sunglasses.Anyone with information is asked to call the FBI Violent Crimes Task Force at 858-320-1800 or Crime Stoppers at 888-580-8477. 1175

Economic uncertainty may be roiling the country right now, but that’s not stopping home sales. In some areas, like the suburbs of New York City, bidding wars are back. In July, one house in Orange, N.J. had 97 showings and 24 offers, according to the New York Times.That same month, .3 billion worth of residential real estate sold in the suburbs of Washington, D.C., according to the Washington Post, compared to .2 billion the year before—demonstrating just how much demand there is in some parts of the country. That demand has caused median home prices to spike. Prices in September are 13% higher than they were the same time last year, the largest increase since 2013, according to real estate listing firm Redfin.“We are seeing really interesting trends emerge from COVID that are causing demand to change to an all-time high at the same time that the supply of availability is at an all-time low,” says David J. Wilk, assistant professor of finance and director of the Real Estate Program at Temple University’s Fox School of Business.That means a lot of homes, especially those close to big cities, are suddenly worth a lot more. For homeowners, it’s an envious position: Their equity has bloomed. But what should they do with it? Here are three options.1. Sell Your HomePrices are high, so it’s time to sell, right? As with everything in real estate, it depends.Selling might be the right move for older homeowners who are looking to downsize to a smaller house, a condo or 55+ living. It also may be ideal for homeowners interested in moving to a lower-priced housing market—if the timing is right, and you absolutely know where you want to go.Dottie Herman, CEO of Douglas Elliman, a Manhattan brokerage firm, says it’s also not a bad time to cash out of the ‘burbs to make a city move if you’ve wanted to do so—especially to Manhattan, where sales were sluggish this spring and summer. “If you really love New York City and you believe as I do that it will come back, it’s a great time to buy in the city,” she says, adding that it might be another three to four years before prices rebound.Beware: Your New House Also May Cost MoreIf you want to stay in the same area, a jump in your home’s price most likely means the house you want has made the same leap.You can still consider trading up, especially if your lifestyle has changed because of the pandemic, and you anticipate it staying somewhat altered when we’re on the other side of it. That may mean more people in the house more of the time—and the need for the space to match. “If you can work from home and you don’t have to commute every day, then that drastically changes your decision matrix,” Wilk says.Falling Interest Rates Can Make a Move Make SensePlus, with interest rates for 30-year mortgages at record lows, getting a bigger mortgage now might make sense in the long term. Just make sure you can still afford the payments and aren’t necessarily banking on that home also becoming a big pay out down the road because the housing market is cyclical and eventually will fall down again.“Rushing to sell your house or buy a house because of the short term isn’t a prudent move,” says Danny McAuliffe, CFP, wealth advisor and head of planning at Perigon Wealth Management. “Making decisions based on what you can afford and make sense for you and your family, that is going to be a better situation for the long term.”If you’re thinking of making that high- to low-cost market move, Herman warns that you should at least live in the place first by renting to see if you really like it. This is especially true for seniors who dream of ditching colder climates for warmer places.Not only does it make sense to get a feel for the area in which you want to live that you can’t achieve while on vacation, but you also will learn if you have the temperament to be away from family for so long. Otherwise, you’ll cash out now and have to buy back in—and who knows what the market will be like then.2. Have Your Home Appraised to Ditch Mortgage InsurancePrivate mortgage insurance (PMI) is usually tacked onto your monthly mortgage payment if you put down less than 20% on the property when you purchased it. PMI is there to protect lenders in case you walk away. But if your home is suddenly worth more, you may hold enough equity to request to have PMI cancelled.To do this, you need to show lenders the home has increased in value, which means paying for a home appraisal. Those typically cost between 0 and 0. Meanwhile, PMI typically costs between 0.05% and 1% of the loan amount annually, which means the appraisal will pay for itself.If you’re staying put, you should also reassess your insurance to make sure it matches what your home is now worth, says McAuliffe. That’s because a policy based on a lower price may not cover the current value of the home, should the worst happen and you need to rebuild.“Specifically you want to make sure that the dwelling coverage in your homeowners policy is sufficient to rebuild your home if something catastrophic were to happen,” he says, adding that these policies typically exclude earthquake and flood insurance.3. Take Equity OutWith interest rates so low, taking some equity out is another option. You can use that money to make renovations to your current home—which may be tax deductible, says McAuliffe—or pay off high interest credit card debt—as long as you don’t then rack up debt on them again.You can take equity out in several ways, including through a home equity line of credit (HELOC) or a cash-out refinance, where you pull the equity out in, well, cash. Homeowners at least 62 years old also can take out a reverse mortgage, which lets them borrow from their home’s equity.Herman says money drawn from equity could be used to buy another property, either as a second home, or to rent out. But only think about becoming a landlord if you have tolerance for it and can cover the mortgage in the case the property is empty between tenants, or tenants stop paying.Just make sure that you aren’t taking all of the equity out. People who got in trouble in 2007 and 2008 “pulled all of their equity out,” Herman says. “When prices dropped, they were stuck because they had used all the equity up in their home for something else.” So don’t press your luck and strip your house of all its old and new equity, or else you may wind up with a house worth less than what you owe on it. 6432

During the second national lockdown in the United Kingdom, the country’s coronavirus cases dropped by about 30 percent, according to a new study.The report, from the Real-time Assessment of Community Transmission (REACT) program in the UK, looked at swab tests on more than 105,000 people between November 13 and 24.Researchers found about .96 percent of the sample tested positive for coronavirus. This compares to about 1.32 percent positive swab tests of a similar sample in a November 2 report.“Three weeks into the second national lockdown in England there has been a ~30% proportionate reduction in prevalence overall,” the REACT report concluded. However, “average absolute prevalence remains high at ~1%. Continued monitoring of the epidemic in the community remains essential until prevalence is reliably suppressed to much lower levels, for example, through widespread vaccination.”An estimated one in 100 people have coronavirus in the UK, according to the study.The UK’s lockdown started on November 5, and data has indicated there was a spike in cases right after, according to the BBC, as symptoms started to show before the effects of the lockdown.The four-week lockdown is set to be lifted Wednesday in the UK, and regions will fall into one of a few tiers based on the rate of infections in that area. The study’s authors said the latest round of test results show a higher prevalence of positive coronavirus tests in school-aged children, however they note schools have stayed open. The UK’s second lockdown kept schools open while the majority of other businesses closed and residents were asked to stay home and not socialize. The country has been paying 80 percent of employee wages during lockdown. They also found a higher prevalence of positive tests from healthcare workers compared to the October data.Researchers estimate the so-called coronavirus reproduction rate, or number of people who will contract the virus from one infected person, has dropped to about .88. Roughly, this means less than one person contracts the coronavirus from each infected person. 2095

EL CAJON (CNS) - A man suffered life-threatening injuries when he was shot multiple times, possibly at a two-vehicle traffic crash in El Cajon, a police lieutenant said With details still sketchy, a little after 9:45 p.m. Saturday police received several calls of loud noises in the area of the 1500 block of East Washington Avenue, where officers discovered a man who appeared to have suffered multiple gunshot wounds, said El Cajon police Lt. Walt Miller.Paramedics rushed him to an area hospital and officers also discovered a two-vehicle traffic crash in the same area.Multiple people fled from the crash, Miller said. Investigators were determining if the two incidents were related, he said.El Cajon police asked anyone with any information regarding either incident to call them at (619) 579-3311. 817

Disneyland Park has shut down two cooling towers at its park in Southern California following an outbreak of Legionnaires' disease.Orange County health officials said nine people who visited the Anaheim theme park in September developed the disease.An additional three people who had been to Anaheim but not Disneyland got sick too, said Jessica Good, a spokeswoman for the Orange County Health Care Agency. One patient, who had not visited the park and had additional health issues, died, she said.The 12 patients are between ages 52 and 94, and 10 were hospitalized, she said.CNN has reached out to Disneyland for comment but has not heard back."To date, no additional Legionella cases have been identified with potential exposure in Anaheim after September," Good said. "There is no known ongoing risk associated with this outbreak."Legionnaires disease is a severe form of pneumonia caused by Legionella bacteria, sometimes found in water systems. It is typically contracted by breathing mist from the water that contains it. The source of the mist can be air conditioning units in large facilities, showers or hot tubs. Legionnaires' disease is not contagious between humans.County health officials identified Disneyland Park as a common location of eight of the cases last month, and have been working to identify potential sources, Good said.Disneyland Park informed health officials this month that elevated levels of Legionella had been identified in two of its 18 towers, which were then treated and disinfected.Disneyland took the towers out of service on November 1 and told the health agency it had performed additional disinfecting and testing. It brought the towers back into service November 5, but two days later, they were taken out of service again,she said.Health officials subsequently issued an order that the towers remain shut down until they are verified to be free from contamination. The results of the tests will not be known for about two weeks. 1982