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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 census count impacts everyone living in the United States, from determining how much federal money cities and counties receive to how many representatives states get in Congress. Everyone living in the country regardless of age, race, and citizenship status is asked to fill the survey out. But San Diego and Imperial Counties are notoriously difficult to get an accurate count, the second most challenging region in the entire country. For the 2020 census, over 100 community organizations and civic groups in San Diego are working together to reach "hard to count" populations.“Some of the ethnic groups are the ones that are hard to count, such as the African Americans, the Hispanic, Asian Pacific Islanders, as well as immigrant and refugee populations are really hard to count," said Nancy Sasaki, President & CEO of United Way of San Diego County.United Way of San Diego County is leading the Count Me 2020 campaign. Sasaki went on to say veterans, homeless people, and children are often left out too. The county was awarded two major contracts, totaling .22 million, to coordinate Census 2020 outreach for hard to count populations in San Diego and Imperial Counties.The Supreme Court will rule whether the controversial citizenship question will be added to the census, a decision is expected by June. 1349

SAN DIEGO (KGTV) - The coronavirus pandemic, combined with a recently enacted state law, has created a new problem along San Diego's streets and boardwalks.Business owners say they're being overrun by vendors who set up makeshift stores and crowd sidewalks and walkways, while also luring customers out of long-established businesses."It's pretty much a free-for-all," says David McDaniel, the owner of Paradise Cove near Crystal Pier. "Anybody can sell anything, anywhere."He's partially correct. A new state law, Senate Bill 946, went into effect in 2018. Passed by the legislature and signed by Gov. Jerry Brown, it decriminalizes street vending, telling cities that they can create their own guidelines and can only enforce them with tickets for vendors who violate the rules, instead of criminal charges.Several cities in San Diego County, including Carlsbad and Vista, were quick to establish their regulations. San Diego still hasn't.As more vendors set up shop, the Pacific Beach Town Council is asking city leaders to move the process along."We're calling on city leaders to end the swap meet on our boardwalks now," says Brian White, the President of the Pacific Beach Town Council. "We have lots of pedestrian traffic, bicycles, skateboards. There really is no room for this type of vending activity."Earlier this month, the Town Council sent a letter to Mayor Kevin Faulconer and the City Council asking for specific rules.The San Diego City Council started to establish new rules for vendors in 2019. Faulconer sent a draft ordinance to the Economic Development Committee.It would have prohibited vendors on the boardwalk and other high traffic areas. It also would require business permits, set hours for vending, establish distances from public facilities, require vendors to follow health and safety rules, and several other rules.That ordinance passed the committee unanimously on July 25, 2019.The city then held three public forums about it in October. But it never went to the full council for approval."It is an issue that's becoming a real problem. We definitely need to get some regulations going with this," says City Councilmember Jennifer Campbell, who represents Pacific Beach and Mission Beach."It's really up to the mayor's office to bring us these recommendations to City Council," says Campbell.ABC 10News reached out to Faulconer to see why there has been a delay in moving the draft ordinance forward. In a statement, Ashley Bailey, the mayor's Deputy Director of Communications, says, 2526

SAN DIEGO (KGTV) - The cost of living in San Diego doesn’t always make it easy for local families to take vacations. Hotels and home rentals can drain a family’s savings. 10News reporter Jennifer Kastner found a local family that’s able to go jet setting without breaking the bank, thanks to a home exchange network.Dana Fallentine, her husband, and their four kids have been taking incredible vacations at an impressive savings. “[We’re talking] thousands and thousands and thousands of dollars,” she tells 10News. Fallentine found the website Love Home Swap, which connects users with homeowners around the world. Arrangements can be made to do temporary home trades.The fee is 0 a year. Compare that to the most recent average U.S. hotel price, which is 0 a night, according to Statistica. Members can swap homes or use points to stay in rental homes. Type in where you want to go and when. Browse the options to see photos and amenities, and then start chatting with the owner. For privacy and security, Love Home Swap does ID verification. For protection, phone numbers, email addresses and home addresses are not made visible on the website.The Fallentine family's most memorable experience was from a swap they did with an Italian family. The Italians got to the Fallentine's home the night before the Fallentine's flew off to the Italians' home in Rome.“I took them to Costco. They bought all this food and then they said, ‘Oh, we're going make you guys dinner.’ I’m like, ‘Totally! I’m not going to pass up a meal by real Italians. I mean, that's crazy!’”Fallentine says when her own family home-swaps, having access to another home’s kitchen is one of the biggest cost-savers.“If you're thinking about the food aspect, just to be able to cook your own food is amazing and [you have a] full kitchen with everything you need,” she adds.Another perk is having access to a home's laundry room. It allows the Fallentines to save on airline baggage fees, because now they can carry-on backpacks and wash their clothes at the vacation homes. For a family wanting to live large on a small budget, she says Love Home Swap has been a game changer. “It saves money. It’s just common sense, basically,” says Dana. 2235

SAN DIEGO (KGTV) - The holiday shopping season is here and you probably have a long list of presents to buy that will set you back hundreds, even thousands of dollars. But you might think twice about overspending on Black Friday or Cyber Monday when you take a closer look at the FIRE movement to help you make it in San Diego. Amon Browning and his wife Christina were recently featured on ABC News. The San Francisco couple just retired, and they’re only 40 years old. “I was making ,000 a year, and Christina was making about ,000 a year,” says Amon Browning. In just eight years, they managed to save million by investing 70 percent of their income through a method called FIRE, which is short for Financial Independence, Retire Early. RELATED: Making It in San Diego: Debt-free couple leaves San Diego to fast-track retirementIt sounds impossible, but it’s true.“Have a seat anywhere, it’s fun!” says a smiling Jennifer Mah looking over a crowded San Diego theatre. Mah is the Community Liaison for a local FIRE Chapter in San Diego called Choose FI, as in Financial Independence. It’s a movement that’s growing. “Welcome to the screening of Playing with Fire,” says Mah as the crowd cheers. RELATED: Is retiring in your 40s possible? This man says he's done itShe’s talking about ‘Playing with Fire: The Documentary.’ About 100 people gathered to watch the documentary shown only in select theaters. They gathered to learn what it takes, mostly significant financial sacrifices, to retire early. “The American Dream is getting a college degree, and this job, and this white picket fence. But all of that has this huge debt behind it,” claims a woman interviewed for the documentary.The goal of the film is to get people thinking about where they spend their money. “The consumerism culture is harmful. It really hurts people,” says another man as video of a massive Black Friday rush appears on the big screen.Ultimately, the documentary portrays how consumerism and marketing place so many Americans on the edge of bankruptcy. “We are spending money we don’t have to buy things we don’t need to impress people we don’t know,” says another man in the documentary in an ominous tone. RELATED: The 6 big retirement mistakes — and one way to avoid themBut he’s not that far off. A recent survey from Charles Schwab found 59 percent of adults live paycheck to paycheck. Nearly half, 44 percent, have credit card debt, and only 38 percent have an emergency fund. Those in the Choose FI community are the opposite. “People in the FI Community have a savings rates upwards of 40 percent,” says Mah. Meaning nearly half of their income is going into savings. Everyone in the movement is different in their quest to save and retire early; there’s no one specific way to do it. “Some things that most people cut: really expensive cable, really expensive phone bills, streaming services,” adds Mah. For others, it’s more drastic, like downsizing a house or giving up an expensive car for a used one. RELATED: Living life on their own terms: Couple shares how they retired in their 30's“It’s just about being resourceful, number one, and taking responsibility, number two,” says Kyle Lasota, a young entrepreneur who came to see the documentary. “Until you decide to take responsibility, nothing is going to happen. Everything is always going to be out of your control.”“Even if I don’t reach financial independence, retire early, I think I will be better for trying than not to try at all,” says Mah. The FIRE movement takes a great deal of sacrifice. To be successful like the Brownings, you must reduce spending, pay off your debts, and maximize your savings by setting aside 40 to 60 percent of your income. Finally, you must have 25 times the amount you plan to spend annually in retirement. 3809

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