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SAN DIEGO (KGTV) - The cycle of debt is something a lot of people are desperate to break. One of the biggest challenges is keeping up with credit cards, payments and beating the interest rates. Now, a San Diego startup is offering people an opportunity to make purchases on items they may need for themselves or their families, without interest rates, credit checks, or penalties. Marc Schneider is the CEO of Zebit, an online shopping site designed to help people facing financial hardships, get on track, make payments and get what they need. “We’re trying to provide sort of an Amazon for the under-served,” said Schneider. RELATED: San Diego Workforce teams up with UCSD Extension to offer student loan alternativeWhile growing up, Schneider and his family faced financial struggles of their own. “I’ve supported my mother since I was 15 years old. I grew up in a mobile home with a separated family. Ended up being homeless on food stamps,” said Schneider. Now, Schneider is a successful entrepreneur, with Zebit hitting million in 2017, and million last year. “Zebit was built to change how consumers get access to credit, to give them a fair deal and have zero gotchas,” Schneider said. In order to make purchases on Zebit, you first need to create a profile which includes providing your current employment status and driver’s license. The company then uses that information to verify your employment and determine how much of a Zebit line you will receive. The Zebit line is similar to store credit or having a credit card, but without the interest rates and penalties and with the chance to make payments for purchases over a 6 to 12 month period of time. RELATED: Realtors expect busy spring for buyers and sellersFor example, a MacBook Air on Zebit may cost around ,273. The may break down to 8 upfront with 12 payments of a month. A five-piece dining set may cost around up front, with monthly payments around dollars.“We’ve heard stories like you save my Christmas, my daughter wouldn’t have had a birthday present if it wasn’t for you, I couldn’t get married because I didn’t have a way to finance an engagement ring,” said Schneider.Some of the items on Zebit can cost 5 to 10 percent more than some items on Amazon, however the company still stresses that their interest-free model and competitive prices makes it a great shopping experience that was designed with people who may not a lot of money, or struggle with credit card payments and interest rates. “I wanna build a big company that makes an impact on a consumer base, a consumer base that tends to be invisible that tends to be neglected and a consumer base that tends to really rip people off over time,” said Schneider. Schneider hopes his company will help others break their own cycle of debt. 2808

SAN DIEGO (KGTV) — The holiday season kicks off, but not before some summertime fun takes hold of San Diego this weekend.The Wonderfront Music and Arts Festival is bringing a weekend packed with more than 70 bands, like Migos, J.I.D., Wild Belle, and Jhay Cortez, to town across several stages in downtown. The festival also promises to feature after parties, boat rides, delicious food and drinks, and interactive art.Liberty Station's Doggie Street Festival invites doggos and their owners out to enjoy a day filled with live music, dog contests, and yummy treats for owners and pets.RELATED:San Diego holiday tree lightings to catch this seasonTurkey trots, holiday runs in San Diego this seasonSkate away on one of San Diego's outdoor ice rinks this holiday seasonA slew of holiday activities hit San Diego, including Santee's holiday lighting celebration, Hotel Del Coronado's Skating by the Sea season, Encinitas Holiday Street Fair, and the annual Mother Goose Parade in El Cajon.THURSDAYSanta PhotosWhere: Westfield malls; Cost: -(Thursday-Sunday) The big man in red is making his way to San Diego for some Christmas fun this season! Photos with Santa are available now at several Westfield mall locations. Click the link above to search your nearest location and time available for photos.Skating by the SeaWhere: Hotel Del Coronado; Cost: -(Thursday-Sunday) Where else can glide along the ice right next to the surf? This rink at the Hotel del Coronado’s Windsor Lawn is built every holiday season. Part of your admission supports San Diego’s Make-A-Wish Foundation.FRIDAYWonderfront Music & Arts FestivalWhere: Downtown San Diego; Cost: -9(Friday - Sunday) Wonderfront Festival will bring more than 70 bands across seven stages on the city's waterfront from for a weekend of shows. Various parks and piers along the San Diego Bay will serve as venues for dozens of shows and hosts "festivals within a festival," featuring after parties, boat rides, a craft beer village, comedy, interactive art, and more. 18th annual Holiday Lighting CelebrationWhere: Santee Trolley Square; Cost: FreeSantee kicks off the holiday season with their annual tree lighting celebration at 6:30 p.m. But before then, locals can enjoy holiday crafts and games, carriage rides, photos with Santa, sledding, and more wintertime fun.SATURDAYWinter Paradice: Skate, Create and CelebrateWhere: Fleet Science Center; Cost: -The Fleet Science Center is getting into the holiday spirit with a special exhibit for winter. Take off your flip flops and get skating on a synthetic ice rink, make your own ornament, or create your own ice cream as a holiday treat at the Skate, Create, Celebrate exhibit. Special pricing and hours also invite guests out for late-night skating and cocktails.Craft Beer FestivalWhere: Del Mar Fairgrounds; Cost: Enjoy a sip of San Diego's finest craft beer during Del Mar's Craft Beer Festival, where brewers will roll out special seasonal and limited-release brews and even be on hand to answer all of your beer-related questions. Live music will be played throughout the festival and admission also grants visitors access to the day's races.Doggie Street FestivalWhere: Liberty Station; Cost: FreeBring your fiddo down to enjoy yummy treats and owners can enjoy live music, vet tips, dog vendors, a kids art area, and contests during Liberty Station's Doggie Street Festival. SUNDAY73rd annual Mother Goose ParadeWhere: El Cajon; Cost: FreeEl Cajon's annual Mother Goose Parade hits the streets at 1 p.m., following Main Street from El Cajon Blvd. to 1st Ave. Each "Chapter" of the parade brings several floats and bands down the parade route for onlookers, all leading up to Santa's arrival.Encinitas Holiday Street FairWhere: Coast Highway 101; Cost: FreeThe holidays are alive in Encinitas, as the Holiday Street Fair rolls in to offer locals handmade crafts, antiques, and imports for the gift-giving season. The fair will also celebrate the season with children's rides, food and drinks, and two stages of live entertainment.The Links at Petco ParkWhere: Petco Park; Cost: Starting at Limited tickets are still available for golfers to have a one of a kind experience golfing inside Petco Park. The Links transforms the ballpark to an immersive nine-hole course where golfers will tee off from homeplate and various spots inside the park's bleachers. 4403

SAN DIEGO (KGTV) - The family of the man killed on India Street on this month has identified him as David Hill. The 38-year-old was a pathology resident at Balboa Naval Hospital. In the Navy since 2004, Hill had reached the rank of Lieutenant Commander. He was an avid traveler, having visited dozens of countries. His mother, Carol Hill, said he had a goal of running a marathon on every continent. Hill had already checked off the hardest, Antarctica, though he had to get creative. “He did the 26 miles on the ship’s treadmill to fill that square!” said Hill's mother. RELATED: Pedestrian hit, killed near I-5 offrampA member of the San Diego Swim Masters team, he also swam in the Antarctic waters and was training for an island-to-island swim in the Galapagos next year. “He was a fanatic about being in shape,” said his brother, Matt. “Every morning he’d get up at 4 am and swim miles or he’d get up and run.” That’s what they believe he was doing the morning of Dec. 2. He had made it a few blocks from his apartment when he was struck by the driver of a minivan on India Street near Olive and Palm. Paramedics pronounced him dead at the scene. The 55-year-old driver of the minivan stopped and has cooperated with investigators. 1244

SAN DIEGO (KGTV) — The Federal Reserve's decision to lower its key interest rate to near zero will help some San Diegans, but frustrate others.The Fed reduced its Federal Funds Rate to near zero for the first time since the Great Recession of 2008. The move, in reponse to the Coronavirus outbreak, will help keep auto loan rates low and mortgage rates near historic lows. It will also, however, lower earnings from interest bearing savings accounts. Greg McBride, chief financial analyst for Bankrate, predicted the economy to go into a recession, but said the low borrowing rates would help jump start spending once activity picks up again. "Coming out of that, one of the things that's going to give the economy a boost to recover from that will be these brutally low interest rates that entice consumers and businesses to resume borrowing and spending," McBride said. "Somebody concerned about losing their job is not going to go to go out and buy a car."Mortgage rates are already extremely low, with the average rate for a 30-year fixed is 3.36 percent. Still, that's above the all-time lows reached earlier this month, when the Federal Reserve made its first emergency cut. Mark Goldman, a loan officer for C2 Financial Corp., said there has been a rush to refinance since that earlier drop — a big reason why rates did not fall deeper."There's so much refinancing business going on right now that lenders can't stand a lot more business, so they price accordingly," Goldman said. Still, those mortgages rates will remain low as San Diego County enters what's typically its peak home buying season. 1613

SAN DIEGO (KGTV) -- The Border Patrol is working to upgrade the fence that sits along the U.S.-Mexico border as more and more people attempt to cut through the barrier, forcing agents to spend time making repairs.According to the agency, an average of 540 cuts are made in the fence per year. Border Patrol says some tools enable crossers to cut through the fence in as little as 20 seconds.The agency added that, since 2016, the number of arrests at the border has seen a sharp increase. In 2016, 26,000 arrests were made. That figure rose dramatically in 2017 to 38,000 arrests.RELATED: As many as 15,000 troops to be deployed to borderThe project to upgrade the fence began over the summer and will eventually replace about 14 miles of scrap metal wall.U.S. Customs and Border Protection told 10News in June that the old fence was erected in the 1990s from Vietnam-era scrap metal.“The construction of this new substantial wall will improve overall border security, the safety and effectiveness of Border Patrol agents, the safety of the public, and will enhance the atmosphere for business and commerce in the area,” said Rodney Scott, Chief Patrol Agent for the San Diego Sector.RELATED: Border wall construction underway in South San Diego County  The upgrade comes as the Trump administration prepares to send thousands of troops to the border to provide logistical support as a migrant caravan approaches.As of Wednesday afternoon, the caravan was about 800 miles away from the U.S. 1508