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SAN DIEGO (KGTV) — It can take close to 30 years for a renter in San Diego to save enough money for the down payment on a home.Experts say there are ways to speed up the process.Jennifer and Allan Uy just bought a home for their family of four but to make that possible, they moved in with Jennifer’s parents to save money. They paid off ,000 in debt and saved ,000 for the down payment.“It’s actually like adjusting in terms of watching television, and they had like the Disney Channel on, and we had to take turns so I could watch the news,” said Jennifer’s father.According to Hot Pads, it takes 28 years for a San Diego renter to save enough to put down 20 percent on a median-priced home. Moving in with parents can cut that down to 12 years.Relying on relatives may not be an option for many San Diegans.Todd Lane, president and CEO of California Coast Credit Union, says you don’t necessarily need to save as much money if you have a higher income.“Look for a program out there with a mortgage lender that offers you the option for not having to pay for mortgage insurance and making less than 20 percent down payment that’s really the key,” said Lane.Lane also suggests you avoid making big purchases prior to applying for a home loan.“Don’t just go out and borrow for a car loan just before your gonna go out and get an home loan; keep that older car,” Lane recommended.Financial adviser Dennis Brewster said aiming for a condo instead of a home is a great way to get in the home buying game.“Anything to start building the equity helps – instead of paying rent,” said Brewster.Other pro tips include using 401K investments for a down payment, or having relatives co-sign the loan. 1704

SAN DIEGO (KGTV) - Investors are watching carefully to see if interest rates keep dropping, or if they may eventually dip below zero in the United States.Recently, former Chairman of the Federal Reserve Alan Greenspan said it's a possibility, as rates have remained historically low for the past few years.In San Diego, the results of a negative interest rate would be good news for some and bad news for others."Low rates are a double-edged sword," says Dennis Brewster of SagePoint Financial. "If you're a borrower, if you're looking to buy a house today, mortgage rates have never been lower. But if you're a saver and you have money in the bank or in a CD, your rates are pretty poor."Brewster says the interest rate tends to drop when growth in the US is slow, both for the population and the Gross Domestic Product. He says that's what's happening now, as the baby boomer generation is getting older and later generations have fewer children. Brewster says slower population growth leads to slower economic growth because there are fewer people in the workforce, which means company production is down, and so is spending. He says that is happening despite record low unemployment.As for negative interest, Brewster says the average San Diego shouldn't worry since it's unlikely to happen."I wouldn't change your long term plans," he says. "The economy can move forward through high or low rates." 1411

SAN DIEGO (KGTV) - It's one of San Diego's crown jewels. The Hotel Del Coronado has been a landmark of America's Finest City since 1888.While its walls are steeped in history, recently, rumors swirled that a face-changing paint job to the hotel's lobby was coming.Facebook users on the "Coronado Happenings" page voiced worries that the iconic hotel planned to paint its wood-finished lobby white.Do you have a fact or fiction question? Submit your question to 10News here.Those rumors, however, are just that, according to the hotel.Hotel Del Coronado's Public Relations Director Sara Baumann told 10News there were discussions of possible upgrades to retail shops on the hotel's lower level, but nothing regarding painting planned for the lobby. Nothing has been set in stone for any upgrades in any space, as well, Baumann added.Could that change even be made to a National Historic Landmark? According to the National Parks Service, "property owners are free to make whatever changes they wish if Federal funding, licensing, or permits are not involved." 1086

SAN DIEGO (KGTV) — Lime can still operate its dockless scooters and bikes in San Diego, after the city's petition to revoke the company's permit was denied.Tuesday, a hearing officer reportedly refused the city's petition to revoke Lime's Shared Mobility Device (SMD) permit. The city argued that Lime violated municipal code on several occasions.“Lime is pleased with today’s decision and we appreciate the hearing officer for recognizing our compliance in San Diego. As San Diego’s longest serving operator, we value our partnership with the City and look forward to continuing to serve the community," Lime said in a statement.RELATED: City Council committee OKs changes to dockless scooter, bike lawIn August, Lime was made aware of the city's intent to revoke their SMD permit after they said the company failed to address speeding violations within the city's geofenced areas. A letter to Lime from the city's Development Services Department claimed the company had violated San Diego Municipal Code on July 13, July 14, and Aug 1.Dockless scooters and bikes are required to have a 8 mph speed restriction in high-traffic areas areas like Spanish landing and near Petco park, and as low as 3 mph along the Embarcadero and the Martin Luther King Jr. Promenade."The Mayor has made it abundantly clear that operators who don’t follow rules meant to protect public safety could lose their permit and no longer do business in San Diego anymore. That’s exactly what is being done in this case," a statement from the city said.Lime argued that they were in fact in compliance, adding at the time "it is unfortunate they have chosen to move forward with this hearing" and offering to demonstrate their compliance to the city in a letter from Lime to Mayor Kevin Faulconer.After approving an initial package of rules in April, the city council is set to consider adding new regulations on dockless scooters and bicycles, including:A rider curfew from midnight to 5 a.m.;Usage of one device per government ID;A fine structure and punitive actions for companies that violate regulations;Eliminating the original ordinance's provision that allows for temporary fleet spikes during large events;Authorizing the city to reduce a company's fleet size if it poses a public safety hazard;Authorizing the city to suspend a company outright for multiple violations; andRequiring the eventual use of geofencing technology to keep riders from traversing the city's sidewalks. 2468

SAN DIEGO (KGTV) — It's a time-honored tradition among many families: Everyone hunkers together in the family car, maybe with some hot cocoa, and drives around the neighborhood to see Christmas lights.And in San Diego, several neighborhoods stretching from the North County to South Bay give residents plenty of lights to watch sparkle.Light displays can range in subtlety, but that's not where we're sending you. These neighborhoods are home to locals who throw the electric bill out the window in December and celebrate the season with brilliant illumination.We've also included local attractions that will put on their best Clark W. Griswold impression with displays and events for families this month.(Navigate the map above for more information on locations.)North CountyOceanside Harbor Parade of Lights: Boats decked out with lights will parade through Oceanside Harbor on Dec. 14 at 7 pm. More info.San Marcos: The lights kick on for "Christmas on Knob Hill" at Knob Hill Road from Nov. 28 to Dec. 30 from 5 p.m. to 9 p.m. Santa also pays a visit Dec. 13 - 23. More on dates and times of the display here.Legoland: Legoland's holiday fun runs Nov. 23 through Dec. 31, with cheer around every turn. Santa and toy soldiers will spread fun throughout the park with photo ops for children, and Fun Town will decorate a 30-foot Lego Christmas tree with more than 400 Lego ornaments. More info.Carlsbad: The "Carlsbad Christmas House" lights up with flamingos and penguins, animated window displays, dancing with Santa, and the Land of Misfit Toys at 7607 Romeria Street. More info.San Diego Botanic Garden: Botanic Wonderland brings Holiday Nights in the Garden to town with thousands of lights and Santa from Dec. 3 – 8; 10 – 15; 17 – 23; and 26 – 30 from 5 p.m. to 8:30 p.m. More info.Rancho Bernardo: Homes lining the cul-de-sac of Tristania Pl. are dressed top to bottom with lights, spelling out "hope," "joy," and "Noel" across homes plus much more.Carmel Mountain: Homes in the Fairway Village area of Carmel Mountain will be decked out in lights! Check out the lights from Dec. 1 to Jan. 1 from dusk to 10:30 p.m. nightly, plus the public block party on the Saturday before Christmas. More info.Poway: "Candy Cane Lane" covers Hickory Ct., Hickory St., Butterwood Ct., and Rockrose Ct. in Poway, beginning the weekend after Thanksgiving until at least Jan. 1. More info.Rancho Penasquitos: "Christmas Card Lane" can be found on Oviedo St. off Black Mountain Rd. Homes create plywood "cards" with Christmas themes or cartoons and light displays from dusk until about 10 p.m. throughout December. More info.Scripps Ranch: "Merry-tage Court" can be found at Stonebridge Pkwy and Merritage Ct. covered in bright holiday themes throughout December from dusk until about 10 p.m. nightly.East CountyLakeside: Homes on Paseo Palmas Dr. can be seen dressed up in lights this season, as lights string together each home on the street. There may even be a special appearance by The Grinch on the 21 (8 p.m.) and 22 (7 p.m.)... Visitors can see the displays from 5 p.m. to 10 p.m. throughout December. More info.Santee: "Starlight Circle" or "Sunburst Santee" covers Tomel Ct. off Magnolia Ave. Residents have their own schedule for how long lights will be up, but visitors can usually catch them from about 5:30 p.m. to 10 p.m. More info.El Cajon: Homes on Pepper Dr. will be dressed up in festive holiday lights. The hilltop street becomes a neighborhood beacon every holiday season. More info.Lemon Grove: Lemon Grove's "Santa Claus Lane" can be found on Sheri Lane.Central San DiegoTierrasanta: Visit 5306 Belardo Dr. for a decked out light display and nightly beginning the Saturday after Thanksgiving. More info.Clairemont: Clairemont's "Clairemont Christmas Park" on Lana Dr. & Jamar Dr.Mission Bay: The Family Holiday Party and Parade of Lights hits San Diego on Dec. 14. Santa Claus and live entertainment will greet families before more than 100 boats light up the waters around Mission Bay. More info.SeaWorld: The holidays kick off at SeaWorld Nov. 23 through Jan. 5, 2020. The park's new Sesame Street Christmas Village brings a glistening tree, holiday lights, and storytime to guests. Rudolph the Red-Nosed Reindeer will have his very own Christmastown area and light the park's 40-foot Christmas tree every night. More info.Balboa Park: December Nights will cover Balboa Park in holiday cheer on Dec. 6 and 7, bringing light displays, bands and performances, attractions, shopping, and delicious foods from the park's International Cottages to Spanish Village. More info.San Diego Zoo: Check out "Jungle Bells" at San Diego Zoo from Dec. 13 — 23 and Dec. 25 — Jan. 5. The park will run daily light shows, live entertainment, and an all new "aurora" light experience blends 3-D projections with music and lights into a dazzling show. More info.Bankers Hill: "The Forward House" in Banker’s Hill is located at Ivy St. and 1st Ave. and has been a neighborhood holiday tradition for years. The house will be lit generally from 5 p.m. to 10 p.m. More info.San Diego Bay: Boats dressed in lights and colorful decorations will glide along the San Diego Bay Parade of Lights on Dec. 8 and 15 before thousands of onlookers starting at 5 p.m. each night. This year’s theme will be Comic-Con on the Bay. More info.South BayChula Vista: "Christmas Circle" is on Whitney St. and Mankato St. in Chula Vista. Homes along the streets will be lit up throughout December from dusk until about 10 p.m. each night. 5521