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SPRING VALLEY, Calif. (KGTV) — The son of a Spring Valley couple killed in an accident in Hawaii is honoring them by creating a space for others to find peace.“This isn’t going to get easier, it’s going to get harder," Joseph Harmes says as he talks about the death of his mom, Gladys, and step-father, George Novinger.The family was vacationing in Hawaii when Gladys and George were crossing a river and fell to their death in 2017. Now almost two years later, Harmes says he’s come to a cross roads with how he’s handling his grief.RELATED: San Diego man missing, wife dead after being swept over waterfall in Hawaii"I can either choose to be a victim of seeing my mom pass or I can make it my biggest reason to honor her in my actions," Harmes says.Though his mother has been honored by others with her work starting the House of Peru at Balboa Park, Harmes wants to honor her in a personal way. He’s doing so by creating the Hacienda Wellness Retreat Center on their property, the Vineyard Hacienda.Harmes says his mom always had a love for life, focusing on her mental, physical, and emotional needs. He wants to share that mentality with others. RELATED: Missing Chula Vista son surfaces in small Mexican town with no memory, mom saysThe center will feature life coaches, activities like yoga and physical training, and a quiet place to mediate and reflect.Guests will also learn a lot about Harmes’ mom with reminders of her all over the property, including a tiki statue that Harmes had made in honor of her because of her love for Hawaii — and a reminder of the last time he was with her. Another touch will be beautifying a koi pond which was a favorite spot for Gladys. He says she named a lot of the koi after aunts and uncles in Spain. But it’s the support Harmes says he doesn’t physically have anymore that reminds him every day of his loss. “I think the biggest thing I miss about her is that she was my biggest cheerleader," Harmes added. 1963

So last year 37,000 Americans died from the common Flu. It averages between 27,000 and 70,000 per year. Nothing is shut down, life & the economy go on. At this moment there are 546 confirmed cases of CoronaVirus, with 22 deaths. Think about that!— Donald J. Trump (@realDonaldTrump) March 9, 2020 308

Some say there’s a problem with the old proverb that if you give a man fish, you feed him for day, but if you teach a man to fish, you feed him for a lifetime.Some argue that in order to complete a task, or learn a life lesson, people need access to the right equipment and education from someone with the right experience.“We didn’t get an opportunity like this,” said Hanifah Chiku while practicing flyfishing with her 6-year-old grandson Kamal during an event hosted by Colorado Blackpackers, a nonprofit on a mission to provide free gear, outdoor excursions and education to ethnic minorities.“We meet those who are at the intersection of economic vulnerability and under-representation,” said Patricia Cameron, founder of Colorado Blackpackers, a group she started a few years ago with the hopes of expanding to other states.“The opportunity to provide more outdoor experiences for people of color across the country, absolutely,” Cameron said.During the flyfishing clinic, Chiku said her grandson is learning great lessons while enjoying the great outdoors“They afford the opportunities to give people this experience and to come out and participate in different venues,” she said.Helping people learn how to properly set up a reel and rod are volunteers like Eeland Stribling, who says these events give people of color unique opportunities.“I feel a lot more community when I see people who kind of look like me,” he said.The classes and gear are free, with people like Kyle Fulmer donating outdoor supplies from his company RovR Products.“We want people, it doesn’t matter where you’re from, to be able to have the same access and opportunity in the outdoors,” he said.Cameron says Blackpackers is helping people learn life lessons while creating their own proverbs.“My tag line is: economic equity and outdoor recreation,” she said. 1850

Some credit mistakes are a lot worse than others. Little ones, like paying a credit card bill a day late, may cost you a penalty fee, but that’s a relatively minor irritation — it’s not going to stand between you and a mortgage. Other seemingly small slip-ups can lead to full-fledged disasters.What makes a credit mistake haunt you?Some things can be reversed quickly. Running up credit card bills can tank your credit score, for instance, because the portion of your credit limits you’re usingis weighed heavily in credit scoring. But when you pay down the debt, the damage disappears as lower balances get reported to the three major credit bureaus, Equifax, Experian and TransUnion.Mistakes that have long-running ripple effects hurt the most, says credit expert John Ulzheimer. A late payment, for example, can get sent to a collection agency, then perhaps grow into a repossession or bankruptcy. Those batter your credit and stay on your credit record for years. Likewise, co-signing a loan for someone who is later unable to pay can hamstring your finances for a long time.Common mistakes that can hurt your financesMissing a payment: A payment that’s a little late might cost you a penalty fee, but your credit score won’t suffer because creditors can’t report your account as delinquent until it’s 30 days past due. If you have a high score, going 30 days late can knock as much as 100 points off your score — and it stays on your credit report for seven years. The damage gets worse if you let the account slide to 60 days past due, 90 days past due or more. Your score can recover, but it will take time. Catching up on that account, and keeping all other payments up to date and balances low, can help.Raiding retirement funds to pay debt: Most people don’t want to file for bankruptcy. Almost half of Americans say they would not file no matter how much credit card debt they had, according to a recent study commissioned by NerdWallet. Bankruptcy attorney Roderick H. Martin of Marietta, Georgia, says some of his clients have tapped — or even emptied — retirement savings in a desperate attempt to stay afloat. That often just delays the inevitable — “then they turn around and file for bankruptcy,” he says. Retirement savings are typically protected in bankruptcy, but money already withdrawn cannot be recovered.Co-signing a loan: Aaron Smith, a financial planner in Glen Allen, Virginia, says co-signing so a friend or relative can get credit is often a mistake. “My personal and professional opinion is if they can’t get it on their own, there must be a problem,” he says. If the primary borrower doesn’t pay as agreed, it can leave both your relationship and your credit in tatters. Even if the borrower repays as agreed, remaining on the loan can limit your borrowing capacity. Before you co-sign, ask if you can be taken off the loan at some point.Sometimes doing nothing is the mistakeWe may think we’re too busy to trouble ourselves with fine print or financial chores. Either can come back to bite us.Not checking your credit: “I think checking your credit is like going to your dentist for a cleaning,” says Elaine King, a certified financial planner and founder of the Family and Money Matters Institute. “You need to make a habit of doing it. If you wait too long, there can be some rotten stuff there.”A credit report isn’t exciting reading; it’s a summary of your past handling of credit. But “boring” is what you want — anything you didn’t expect to see is worth investigating in case it’s an error or a sign of fraud. Through April 2021, you can get a free credit report weekly from the three major credit bureaus by using AnnualCreditReport.com. Plan to check at least annually, and more often is better.Ignoring the details: Not knowing your credit cards’ interest rates or when a 0% interest rate ends can cost you.Knowing interest rates can tell you which card to use when you’re paying for a new transmission and need to carry that balance for a while, for instance. Knowing when a teaser rate ends can help you ensure you’ve paid off the balance by then. It’s important to read the fine print. Some cards — primarily store cards — charge deferred interest if there is still a balance at the end of the introductory period. That means the “savings” from the teaser rate are added to your balance, wiping out any benefit.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletSmart Money Podcast: Remote Work Burnout and Saving for CollegeI Refinanced My Mortgage. Here’s What Happened to My Credit ScoreA New Set of Shopping Tips in the PandemicBev O’Shea is a writer at NerdWallet. Email: boshea@nerdwallet.com. Twitter: @BeverlyOShea. 4739

SOUTHCREST (CNS) - A man was shot in the face in the Southcrest area Saturday evening. The 34-year-old was outside 4000 Boston Ave. when a white vehicle drove by around 5 p.m.According to San Diego Police Officer Robert Heims, the shooter fired several rounds from inside the vehicle, leaving the victim with non-life-threatening injuries. He was taken to a hospital.Police saw the suspect vehicle trying to escape and pursued it until it crashed.One person was taken into custody, but another was still at large. Gang detectives were investigating. 557

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