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RANCHO SANTA FE, Calif. (KGTV) -- The forward rate of spread has been stopped after a fire scorched several acres in Rancho Santa Fe Tuesday afternoon. According to Cal Fire, the blaze started on the 6000 block of Avenida Cuatro Vientos around 2 p.m. The agency said the fire burned through two to three acres. A resident of the neighborhood was at work and said his wife called him, crying and concerned about the flames moving up the hill."Fortunately, my next-door neighbor, who's been here for over 30 years, had a portable pool pump," said Dr. Afshar. "And he was the first to arrive on action to put out the flames that were in our backyard. By the time he had it controlled, the fire department was here."The homeowner believes the fire may have been started by crews hired to clear brush.Witnesses report seeing smoke as far away as Interstate 15. Video taken from the fire shows blackened hillside working its way up near a home perched atop the hill. 969

President Donald Trump threw some red meat to his base this week and claimed he was prepared to defy the Constitution and end birthright citizenship in the U.S.His comments led to cheers from immigration hardliners, outrage from his Democratic critics and a few notable rebukes from senior Republicans in Congress who usually stand behind him.Trump botched some claims about birthright citizenship, such as when he said the U.S. is the only country with that law. Many countries offer the same. A number of legal experts say it is highly unlikely he can end the practice with an executive order-- as did Speaker of the House Paul Ryan.The timing of the proposal dovetails with the President's broader efforts to make the midterm election about illegal immigration, a topic that animates his base. Trump and his allies tie birthright citizenship to the broader effort to curtail illegal immigration. 906

President-elect Joe Biden’s proposal to forgive ,000 of federal student debt as COVID relief could erase loan balances for 15 million borrowers and reduce balances for millions more, according to federal data.Broad student loan forgiveness could affect 45.3 million borrowers with federal student loan debt who owe a total of .54 trillion to the government. Wiping out ,000 each — as Biden calls for — would result in up to 9 billion canceled.Seth Frotman, executive director of the Student Borrower Protection Center, says removing the student loans “albatross around their financial lives” could mean the difference for consumers who aspire to buy a house, save for retirement or start a business.“Student loan borrowers across the spectrum — old, young, urban, rural, high-balance, low-balance, Black, white — are hurting with their student loans, and that was before COVID even hit,” Frotman says.For now, Biden’s proposal is just an amount, with no details to answer questions about which loans might be canceled, whether forgiven amounts would be taxed and if borrowers would have defaulted loans removed from their credit history. It also faces huge hurdles politically.But here’s how ,000 in forgiveness could affect some categories of borrowers.For 15 million borrowers, a slate wiped cleanMore than a third of federal borrowers could see their balances fall to zero with ,000 in debt cancelation. Among those, 7.9 million owe less than ,000 in student loans and 7.4 million owe between ,000 and ,000, according to federal data.These are also the borrowers most likely to default on their loans. Over half of those who default (52%) have less than ,000 of federal undergraduate debt, according to an analysis of federal data by The Institute for College Access and Success, or TICAS.That’s because those with lower debt amounts often have not completed their schooling, so they don’t reap the benefits of a degree that leads to a better paying job. Among those who default, 49% did not complete their program of study, TICAS found.Default has severe consequences: It can sabotage credit scores and trigger collection efforts that can include seizure of tax refunds and Social Security payments.Many of these borrowers are current on their payments. For them, forgiveness could help, but it might not be much of a boon to the overall economy, says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors.“If you owe ,000 and your payment is 0 — and that’s a lot of money to a lot of people — but you all of a sudden don’t have to pay 0 a month, I don’t see that 0 being put toward something that will stimulate the economy,” Mayotte says.For 19 million borrowers, some breathing roomThe typical student leaves school with around ,000 in debt, according to TICAS, an amount that can grow quickly with interest if students pause payments or go on repayment plans that allow them to make lower payments.Nearly 19 million borrowers owe between ,000 and ,000 in federal student loans, according to federal data. Without detailed execution plans from the Biden team, it’s trickier to say how these borrowers would be affected.For example, cancellation might not reduce the amount they pay each month, but it could draw their end date closer and lower the total amount they’d pay overall, due to interest. Or it might wipe out one loan completely but leave payments on others intact.For 11 million borrowers, a drop in the bucketHigher income households, as a whole, are the ones that hold the most debt.The high debt/high earner correlation makes sense because those who make more money tend to have more advanced education, according to findings from Georgetown University Center for Education and the Workforce. To get those advanced degrees, students rack up debt in the process.More than 8 million people owe the government between ,000 and 0,000 in student loans. An additional 3.2 million borrowers owe more than 0,000 on their federal loans, data show.A borrower repaying 0,000 on the standard federal 10-year plan at 5% interest would pay off the loans 15 months early if ,000 were forgiven.Forgiveness is still a big maybeThere’s also the question of how loan forgiveness could move forward: Will it be through Congress or executive action or not at all?“If anything can be done by executive action, [forgiveness] could happen very quickly,” says Robert Kelchen, associate professor of higher education at Seton Hall University. “I’m just not sure whether forgiving debt would withstand legal scrutiny.”Experts say any executive action could face lawsuits or be subject to judicial review, which would leave the fate of an order for forgiveness in the hands of the Supreme Court.“There are a lot of conservative judges, so I can imagine that many of them could be hostile to the policy,” says Wesley Whistle, senior advisor for policy and strategy, higher education at the public policy think tank New America.Mayotte said she is doubtful borrowers will see straight forgiveness since the reach of this type of pandemic relief wouldn’t be as broad as, say, providing supplemental unemployment or propping up small businesses.Forgiveness won’t happen before payments restartBiden proposed his forgiveness measure as part of COVID-related relief, but experts say there’s an even more pressing student loan concern that will come to a head before Biden starts his term — the end of the payment pause for student loan borrowers, which is set to sunset after Dec. 31.Doug Webber, associate professor of economics at Temple University, says he’s worried about the pitfalls of going “zero to 60” in one day with reinstating loan payments for a population that isn’t ready.“Once you give people a benefit, it’s always harder to take it back,” Webber says.The payment pause, known as a forbearance, has been in effect since March as part of the first coronavirus relief bill. President Donald Trump extended the relief through the end of the year, but neither the outgoing or incoming administration has committed to extending it again.While borrowers await the fate of forgiveness, they should contact their servicer to get enrolled in an income-driven repayment plan if they won’t be able to afford their payments. These plans set payments at a portion of their income and can be as low as zero if they’re unemployed.NerdWallet writer Ryan Lane contributed additional reporting to this story.More From NerdWallet10+ Student Loan Forgiveness Programs That Discharge LoansFederal Loans Are Paused Until 2021 — Should You Pay Anyway?Income-Driven Repayment: Is It Right for You?Anna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6765

RAMONA, Calif. (KGTV) -- Crews are responding to a brush fire north of Ramona near Lake Sutherland Friday evening.According to Cal Fire, the blaze started around 5:30 p.m. on the 21000 block of Sutherland Dam Road.The San Diego County Sheriff's Department said it is doing advisory evacuations, but no mandatory evacuations have yet been issued.The acreage of the fire is also unclear at this time. 406

RANCHO SANTA FE, Calif. (KGTV) - A Fairbanks Ranch home damaged in a fire was once listed on Airbnb as a ‘mega mansion’ for rent, multiple sources show. The home in the 6800 block of Spyglass Lane caught fire Sunday night and burned for two hours until the flames were knocked down. A cleaning crew was in the home but escaped without injury. A Zillow listing for the 20,000 square foot house indicated it was on sale for almost million. It was previously available for rent for ,500 per week.“Magnificent Venetian palace in chic guard-gated Del Rayo Estates in the exclusive enclave Rancho Santa Fe, minutes from the Golf Course, Del Mar Racetrack & Beach,” the listing on Zillow reads. “In the past, the property has generated 0,000 in income from short term rentals.” RELATED: Crews knock down Fairbanks Ranch mansion fireAlthough a previous Airbnb listing was removed by Monday, an article about the most expensive U.S. rentals on farandwide.com reported the home had been available for rent as of November 2018. There was no immediate word on whether the home had been rented Sunday. “This vast property in Rancho Santa Fe is 21,000 square feet, can accommodate up to 14 guests in seven bedrooms, and has an acceptable eight and a half bathrooms,” according to the article. Other amenities listed on Zillow included a bowling alley, yoga studio, wine cellar, elevator, guest house, 3,000 square foot kitchen, tennis court, and a pool with a waterfall. The cause of the fire remains under investigation. 1528