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SAN DIEGO (KGTV) - Life in San Diego is expensive. Most people would like to have more money, but they don’t always like talking about it. 10News is exploring solutions in our coverage of Making It in San Diego. The fear can grow when retirement comes closer. “You wake up and it’s already gone, and I’m in my early 60s and all of a sudden you have to plan for these things,” says Bob Bishop, who is close to retirement age. RELATED: Making It in San Diego: Not all 401Ks are equalThe SDFLC is a nonprofit group offering help to people at every stage of life, free of charge. “Planning, figuring out what it is you want to accomplish is the most important thing you can do,” says Chase Peckham, Director of Community Outreach at the SDFLC.Through programs like “Smart with your Money” and “Boost for our Heroes”, the center tailors its financial advice to the customer’s needs. RELATED: Making It in San Diego: Woman climbs out of 3,000 debt holeThe hardest part of the planning is asking for help. “We’ll hire somebody to come help us in our yard, we'll hire somebody to come fix our plumbing, so why not get help from financial experts and they see it every single day.” Experts offer one key tip to get started: pay yourself. “That way you know every single month what's leftover. You don't have to put away because you've already put away the amount you want to put away.” 1387

SAN DIEGO (KGTV) -- Local leaders, including Mayor Kevin Faulconer, gathered at a Menorah lighting at San Diego City Hall. Rabbi Zalman Carlebach says with so many recent events of anti-Semitism, it’s important for communities like San Diego to come together in the spirit of peace. "In light of the current events that are happening around the country, that this world could use some more light. America could use some more light."There are several Hanukkah events scheduled around San Diego. For a list of events click here. 535

SAN DIEGO (KGTV) — In their push to reopen schools, some political supporters of President Donald Trump have cited COVID-19 research from a group of San Diego scientists, claiming it’s evidence we could be close to herd immunity from the virus.But one of the authors of that research says that conclusion is way off.One of the most prominent supporters of the herd immunity conjecture is Dr. Scott Atlas, a neuroradiologist and senior fellow at Stanford University’s Hoover Institution who became an adviser to President Trump this month.“There’s a pretty good chance that herd immunity requires way less infections because of existing immunity out there,” Atlas said in a livestream conversation with San Diego County Supervisor Jim Desmond. “It actually may have already been reached in places like New York. We don’t know, but it’s possible.”Herd immunity is the level of protection needed to effectively stop the virus from circulating, thought to be about 70 percent of the population. The “existing immunity” to which Atlas is referring has to do with T cells.“It's just a misunderstanding of the science,” said Dr. Shane Crotty, a virologist at the La Jolla Institute for Immunology who co-authored the groundbreaking research on T cells in June.Crotty and his colleagues found that 50 percent of people unexposed to the novel coronavirus had T cells that could recognize it. Scientists refer to this as cross-reactive T cells, and the study was replicated in other countries.Proponents of the herd immunity theory take the number of people infected with the coronavirus, add the number of people with T cells that can recognize the virus, and come up with a number around the herd immunity threshold of 70 percent. But the math doesn’t work that way, according to Crotty, in part because T cells only kick in once a virus has hijacked cells, meaning T cells alone can't stop a pathogen in its tracks.“We’re not saying those 50 percent of people have protection like they’ve already had the virus,” Crotty said. “We’re saying those 50 percent of people have a head start in responding to the virus, which is a good thing but doesn’t affect herd immunity.”Since the novel coronavirus is a new pathogen, scientists did not expect people would have tools in their immune system capable of recognizing it. Unexposed people do not have cross-reactive antibodies, Crotty said.But in a study published this month in Science, Dr. Crotty and his colleagues offered a potential explanation for the surprising T cell results: they found these cross-reactive T cells also recognized four other coronavirus strains that cause common colds.Their theory: the T cells were created in response to other coronaviruses but can recognize SARS-CoV-2 like a distant relative.“It's a memory of a cousin,” Dr. Crotty said.That memory may speed up the body’s immune response, which can normally take about a week for an unknown pathogen, Crotty said. But scientists aren’t sure yet what role T cells actually play in clinical outcomes.“We have no data and and neither does anybody else as to whether these T cells really help or not,” Crotty said.To answer that question, scientists would need blood samples for lots of healthy people and then they would have to closely study individuals who got infected.The La Jolla Institute for Immunology is raising money for that kind of research, Crotty said, but they’re not there yet. 3417

SAN DIEGO (KGTV) -- In one San Diego neighborhood alone, around a half dozen residents have reported seeing rattlesnakes dangerously close to their front doors.The Department of Fish and Wildlife says avoid tall grasses and heavy brush if you can. And if your kids are playing in snake country — ditch sandals for a pair of boots.RELATED: Warm temps brings rattlesnake sightings across San Diego 408

SAN DIEGO (KGTV) - It could take more than three weeks for out-of-work Californians to get unemployment insurance payments.The California Employment Development Department (EDD) tells 10News, during normal circumstances, an Unemployment Insurance (UI) claim takes approximately 21 days from filing to payment.Right now, the circumstances in California are anything but normal.According to a report from the state's Legislative Analyst's Office, "Given the extraordinary number of applications received recently, as well as the expectation that claims will continue to increase over the coming weeks, the Legislature should anticipate that first benefit payments will take much longer than 21 days."The report states similar delays occurred in the Great Recession. EDD tells 10News they are currently experiencing a large increase in claims filed in their programs and have staff working overtime to keep up with the demand."Given the unprecedented increase in UI claims due to COVID-19, we have taken several steps — working around the clock, including Saturdays and Sundays, and redirecting hundreds of staff to process UI claims — to ensure every Californian gets benefits as timely as possible. We do not expect any significant delays at this time. Should the situation change, and delays arise, we will notify the Governor's office, stakeholders, and the public as soon as possible," an EDD spokesperson told 10News."We're seeing impacts higher than what we saw at the Great Recession," said Andrew Picard with the San Diego Workforce Partnership.This week the organization put out a report on potential impacts of COVID-19 on employment in San Diego County.The report stated, "In the first three days of partial closures (March 16-18), Californians submitted 190,000 unemployment insurance claims — more than quadruple the weekly average — and the March 19 statewide order to shelter in place will bring more layoffs."Between March 16 to 22, the Workforce Partnership received notices or phone calls from 52 employers that are considering or have executed layoffs or work-hour reductions for a total of 3,865 impacted workers. EDD said they encourage Californians to apply if they think they may qualify for benefits. Officials suggest using online services for faster processing, if possible. 2306