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SAN DIEGO (KGTV) -- Katie Malone's birthday celebration in Mexico turned into a nightmare after a horrifying parasailing accident in Mexico.The San Diegan is still recovering after a rope disconnected from the boat she was on. Katie was blown around for 45 minutes in the air before falling hundreds of feet to the ground.Katie did not have medical trip insurance, while she was abroad her condition worsened. Donations helped pay for treatment and an emergency life flight from Mexico to San Diego.She's not alone. According to Generali Global Assistance, 80% of travelers do not have adequate trip coverage.The biggest mistake is assuming your health care coverage at home will be enough, according to Brad Rutta."We often hear of travelers cranking up credit card bills because there are coverage gaps with international plans they are not aware of, there are a lot of different components. You can buy travel insurance with an airline or booking site but the most comprehensive coverage will come directly from your insurance carrier."Medical evacuations are often not covered and can cost more than 0,000. Rutta says be as prepared as possible, read your policies and understand your coverage.Travel insurance generally costs 5-7% of the trip. 1259

SAN DIEGO (KGTV) -- Investors say an Oceanside company that promised a green and environmentally friendly way for people to invest their money, instead left them with nothing.Team 10 has spoken to multiple people who said they invested with the Pacific Teak Reforestation Project, managed and developed by Pacific Management Group.On the company’s website, Ron Fleming is listed as PMG’s founder and chairman of the board. The website states the reforestation project “provides individuals, businesses, and institutions around the world with the opportunity to build their financial future, while saving one of the earth’s most precious and scarce natural habitats: the tropical rainforest.” The company said as the trees matured and grew larger, so did profits. The website stated that "in the time it takes teak trees to grow from seedlings to maturity--after only 15 full years of growth--[the] asset's value will likely increase as many as ten times based on historical price trends." Investors would then benefit from that profit.Mark Baker, who lives in Tucson, said he and Fleming grew up together and their mothers were best friends. In 2010, he invested ,000 of his retirement money into Pacific Teak.“That money to me was going to be part of my legacy to help my grandkids go to school,” Baker said.In 2014, he said he invested another 0,000. To this day, he said he has not received any return on that investment. “I’ve had to make a plan B for my retirement,” Baker said.Team 10 spoke to at least six people who invested with Pacific Teak. Their teak tree purchase agreements show the investors paid anywhere from nearly ,000 to nearly 0,000 for a teak tree project in Costa Rica.“It was a green investment... they were planting and they were redeveloping land that had been the victim of slash and burn techniques by the locals,” said Greg Robertson, another investor who currently lives in Rome, Italy.Robertson met Fleming on a flight in the late 1990s. “That developed into a friendship,” he said.He invested nearly ,000 in the project. “This was a very green project. It was long term,” he said. “It was all positives.”It was positive at first, but Robertson said it changed as time went on. “No monthly letters or annual business account letters... nothing. Zero,” Robertson said. “It was unusual.”Michael Tillman said he put in more than ,000 with Pacific Teak in early 2009. He has not received any money on his investment.“It’s just the stress of trying to figure out where I’m going to recoup this money to send my daughter to school,” Tillman said.Tillman said investors were given teak forecasters, which showed how much trees gained in value over the years. “So, I’m looking at the low end which is ,000... and I’m thinking, that’ll cover maybe a semester or two,” he said.Tilllman said he started to sense something was wrong a couple years ago when they stopped hearing from Fleming. Tillman got in contact with other investors, like Baker and Robertson, and discovered many people had not received any return on investment. “I’m already stressed out because for so long, I thought that it was taken care of,” Tillman said.Team 10 reached Fleming via email. He said he “resigned himself from executive position in Pacific Management Group the later part of 2013 due to health issues.” He also said that he left prior to Hurricane Otto in 2016, which he alleged caused catastrophic damage to the project.”The investors said they were not aware of Fleming’s retirement in 2013, as he never communicated that to them. The investors also said they were not informed of any hurricane damage until after they questioned Fleming for updates.“I was devastated. I never thought it was part of his character,” Baker said.A spokesperson with the Department of Business Oversight—which is now the California Department of Financial Protection and Innovation—said Fleming was not supposed to operate in California. The DBO issued a desist and refrain order in 2016. It said Pacific Teak and Pacific Management Group did not have the proper permit to be in business. In addition, the state found the company “misrepresented that investors would receive substantial profits.” It also found the company was in violation of the Corporate Securities Law. The state said Fleming and the company “misrepresented to investors this investment opportunity was low- risk.” Fleming never responded to Team 10’s follow up questions, only writing that he was “super busy” with his youngest daughter getting married.Fleming’s attorney contacted Team 10, telling me the “matter is complex and there are many unfounded rumors, along with misstatements, that have been circulating.“The fact is that Mr. Fleming has done nothing unethical in connection with his association with Pacific Management from which he resigned in 2013. I would request that you and your employer be very careful in what you publish in this matter,” wrote attorney Dominic Amorosa.He added in a separate email: "I am not sure whether you can find any investor in the United States who believes that an investment must necessarily be successful notwithstanding any foreseeable or unforeseeable events." The investors are still in disbelief about the turn of events and hope they will able to recoup some of their money. “He didn’t care about us at all, just about himself,” Robertson said.“He messed up so many lives. So many lives,” Baker added.Investors said they reported Fleming to the FBI. A spokesperson said they could not confirm or deny any investigation, but will take appropriate action if it is warranted. 5616

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) - Loved ones are speaking out more than a week after a bloody melee that injured eight guards at Donovan state prison in Otay Mesa.The violence erupted two Sundays ago, around 4 p.m., inside the recreation yard. Corrections officials say there were about 20 inmates in the yard when one of them attacked a guard. His fellow guards rushed to help. In the mayhem that followed, four inmates allegedly assaulted guards. Six of the guards suffered stab wounds.Christina Armstrong's longtime boyfriend, correctional officer Malcolm Billingsley, was in the middle of it."The best way I hear him describe it is a 'melee, just chaos' ... There was so much going on, it was hard for him to pinpoint each action that was taken," said Armstrong.Corrections officials say a warning shot by one of the guards ended the altercation. As the guards were rushed to hospitals, news filtered out to loved ones."It was frightening not knowing for several hours what was going on. It was terrifying," said Armstrong.Billingsley was not stabbed, but suffered a back injury and possible nerve damage to his hand."It's hard for him to everyday things. He can't take care of our son, let alone play with him. He's in a lot of pain," said Armstrong.His fellow guard Roland Milan was stabbed in the face and suffered a brain bleed. His wife Marcy says he's had four plates inserted into his face."A stab wound to the face, to the mouth area. All his upper teeth were knocked out," she said.Sources say in all, eight guards were injured, including one with a fractured bone in his back.Armstrong says because of an ongoing investigation, she can't reveal details of the melee, but says the guards fought hard for their lives and the lives of their fellow guards."They are all heroes. Malcolm went to work that day to carry out his duty as a correctional officer an he became a victim but his strength and courage allowed him to come home a hero," said Armstrong, choking back tears.Corrections officials say the four inmates could face attempted murder charges.Gofundme campaigns have been set up for both Milan and Billingsley to help with expenses. 2147

SAN DIEGO (KGTV) - Lupus patients were shocked and scared when they found out they couldn't get a refill of their life-altering prescription, due to COVID-19.Grandmother Michele Fumar said her daughter has had lupus, an autoimmune disease, since she was 11. She's 27 now, married with two young kids.Her daughter got an email from Kaiser Permanente reading in part, "in order to keep an essential supply of hydroxychloroquine (Plaquenil) for critically ill COVID-19 patients, we have placed a temporary freeze on refills."She was just shocked, we were all shocked," Fumar said about reading that email. "This drug is very important to maintain her health so yes it is just very frustrating."The kind of lupus her daughter has attacks her kidneys. Even while taking her prescription she's had complications. Fumar said her daughter became ill at the mall several years back, suddenly weak with a headache. That trip to the emergency room turned into a week long hospital stay.Fumar said her daughter has been trying to wean off of the medication with no luck thus far. "She only has 16 days left of her prescription." Now they're both scared. Her daughter was told to space out the medication, but they don't know how that will affect her health.Janae Lessnau was just diagnosed with lupus in January. On average it takes six years to get diagnosed with lupus, meeting several criteria from several specialists, the Lupus Foundation says.Lessnau said the drug has already had a huge impact on her life, "it helps with fatigue, it helps with the joint pain. It's not really affecting my kidneys or any vital organs right now but not being on it, it could increase the spread, you know increase the process."Lessnau said she felt lucky to pick up her monthly prescription Tuesday at CVS. She heard at the pharmacy she won't be able to get a refill in the future.In contrast, CVS put out a statement reading in part, "With client consent, CVS Caremark is setting appropriate limits on the quantity of each of these medicines for potential use in treating COVID-19. Members who already take these medicines for approved uses will be able to bypass the new quantity limits.""We all feel bad for the patients who may be suffering from COVID-19 but it's not a proven solution," Fumar said. Lessnau agreed adding, "when did we get to the point where we pick and choose lives?"The Lupus Foundation is contacting politicians in Sacramento for help, hoping to find a solution."Right now, today we can't say yes there is a shortage, I don't believe that's true. But what I am afraid of is it will be very quick, because if people are hoarding the drug it will turn out to be like the toilet paper," Executive Director of the Lupus Foundation Southern California Division Elizabeth Savage said.After reaching out to Kaiser Permanente they said they are re-evaluating their policy. 2874