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SAN DIEGO (KGTV) -- The cost of housing in California isn’t just affecting first-time home buyers, it’s also taking a toll on retirees, according to a report from Global Atlantic Financial Group. The research, based on data from more than 4,000 people nationwide, found that retirees in California spend nearly ,575 a month: 30 percent more than the average retiree in the U.S. at ,008.Housing costs that build up during working years also take a toll. Nearly half of California’s non-retired residents ages 40 and up owe an average of 4,876 on their mortgages, compared to the national average of 4,770. Global Atlantic claims that sky-high housing expenses force California residents to make sacrifices during retirement, including cutbacks on restaurants and entertainment, travel and vacations and charitable giving. Almost 40 percent of retirees nationwide are spending more than they expected."Many Americans adjust their lifestyles and cut spending once they see how quickly costs can add up in retirement," says Paula Nelson of Global Atlantic. She says it's an important lesson for those currently in the workforce to understand. "While older retirees are collecting income from employer-sponsored retirement plans, such as pensions, younger and future retirees may not receive the same benefits. Not only have pensions gradually become less common, but the data shows that younger retirees are also less likely to have much saved in other defined contribution plans, like 401(k)s," says Nelson.More than half of retirees wish they'd handled their financial planning differently, according to analysts. The top three regrets include not saving enough, relying too much on Social Security, and not paying down debt before retiring. 1758

SAN DIEGO (KGTV) -- The COVID-19 pandemic has brought uncertainty to school districts across the state. With health conditions changing daily, so does the look of your child's education in the fall.This week an announcement of 100% distance learning from the state's two largest school districts sent some parents into an immediate panic."I was very taken aback," said San Diego mom Leona Smith.How long will classes be virtual? At this point, there's not a clear-cut answer. Parents are left with a lot of questions about how virtual and hybrid programs will impact their kids' education and their family."What are the resources going to be? How is it going to be laid out? What is the time spent? Is it going to be more structured through the distance learning than I felt it had been?" Smith said.Los Angeles Unified and San Diego Unified school districts made their course public, while other districts are still determining what the first day of school will look like, and some already have students back on campus.Statewide, there is no one-size-fits-all answer, but there are requirements districts need to follow."Most parents don't know there is a minutes requirement for each day," said Kevin Gordon with Capitol Advisors Group. "There's actually an annual minutes requirement that we have to hit for kids, and then there's actually a minimum number of days per year that we have to hit – 180 days, generally, and 180 minutes, generally."Gordon said a school day requires a minimum of 180 minutes or three hours of education at lower grade levels and 240 minutes or four hours for high school students.Gordon said those are minimum time standards and most districts exceed that.Reporter Adam Racusin asked him about class sizes."While they are lower than they used to be, they aren't the 20 to 1 that we would like them to be. And in all the upper grades they are absolutely exceeding 30 to 1 in most California classrooms," Gordon said.Imagine the challenge for districts that are bringing students back onto campus while following social distancing guidelines."It's not about cutting class sizes in half, it's like cutting class sizes into thirds," Gordon said.Another area of concern surrounds students who may need more support and instruction than they can get through typical distance learning.In California, once a child is found eligible for special education, the family will participate in the process by attending an individualized education program or IEP. It's both a process and a written document."It becomes almost like a contract and it says here's what the school district is going to do for the student" said special education attorney Timothy Adams."Parents really need the school district to help them, especially in circumstances where the student has really complex needs and requires a variety of in-person, therapeutic services that are delivered usually through their IEP. We need the school districts to implement those services," he explained.Many parents will have to wait for answers, while districts work to make plans flexible enough to adapt to changing community conditions.We reached out to the California Department of Education about guidance for districts regarding hours of learning a day, class sizes, and special education and did not hear back. 3304

SAN DIEGO (KGTV) — The month of love is upon us, which means couples planning to tie the knot on Valentine's Day don't have long to request a ceremony with the county.The San Diego County Clerk’s office is accepting appointments for couples wanting to renew their vows or get married on Feb. 14."We are excited to offer walk-in services at our historic downtown office on the waterfront for Valentine’s Day and don’t want couples to miss their chance at a Valentine’s Day wedding," said County Clerk Ernie Dronenburg. The downtown office (at 1600 Pacific Highway, Suite 273) will be open from 8 a.m. to 5 p.m. for marriage licenses and ceremony appointments. Ceremonies can be performed at Waterfront Park or inside at ceremony rooks overlooking the bay.The County Clerk accepts walk-in services at its downtown location only and appointments are required at Chula Vista, San Marcos, and Santee offices.Non-confidential marriage licenses cost and an additional if a couple would like their ceremony to be performed by city staff in English or Spanish.Appointments can be made online at County Clerk's website or by phone at 619-237-0502. 1153

SAN DIEGO (KGTV) -- The big concern for many health care workers during the coronavirus pandemic is their protective gear. “It's a scary time with not knowing exactly what's coming at us,” said Jay O’Brien, a local nurse and a representative for the Sharp nurses’ union.“A lot of nurses are very concerned that we don't have the proper equipment. The biggest concern is the lack of N95 masks,” O’Brien said. The masks block at least 95 percent of airborne particles, but there is now a shortage due to the pandemic.Nurses at UC San Diego said they had been wearing N95 masks when interacting with a suspected COVID-19 patient, but the Centers for Disease Control has loosened their guidelines. Now, they are used only during more complicated procedures, such as intubations.UCSD nurse Tiffani Zalinski wrote over the weekend on Facebook that the N95 respirators were "confiscated by the administration and were being distributed on a case-by-case basis." She was upset over the change, saying she works with patients "fresh out of surgery" and the N95 respirator were “the only thing that is going to protect" her. Zalinski adds she "will not willingly be exposed to this disease and inadvertently spread it to others if I have choices and means to protect myself and you."A UCSD spokesperson told Team 10 the new guidelines still represent the "appropriate standards of care."O'Brien said he understands the CDC change. “If we burn through all the N95s now, if things get really bad as this crisis continues, then we're going to run out and have nothing at all,” O’Brien said.“I have no reason to think it's going to get better very soon, hopefully the precautions that we're taking are going to slow things down so that we can safely take care of people,” he added. 1775

SAN DIEGO (KGTV) -- Summer of '85, the community of Normal Heights was devastated by a fire that claimed 69 homes but no lives. October, 2003, the Cedar Fire broke out in the Cleveland National Forest and exploded across San Diego County. The largest wildfire in California history to that point, it killed 15 people and destroyed thousands of homes. Hardest hit were Scripps Ranch and Tierrasanta.Four years later, another firestorm raced through the north county, killing two and featuring wind gusts of over 100 miles per hour. The Witch Fire forced the evacuations of half a million people in San Diego County.Our sister TV station in Denver asked for help in covering a wildfire that burned for almost a month in Colorado. I provided live reports for KMGH, there, and KGTV, here in San Diego. Much more rugged terrain and restricted access than here in California.December of last year, the Lilac Fire ignited near Bonsall and strong winds pushed it toward the coast, wiping out 72 residences in Rancho Monserate Mobile Home Park.. An enormous earthquake shook Mexico City in September, 1985. Tremors measured 8.0 and aftershocks almost as strong. 10News hopped onto a flight the next morning and we covered the destruction and rescue efforts. We had just paused after a full day of shooting; our batteries depleted and being re-charged when another aftershock rumbled through. Everyone in the hotel where we had set up base, emptied into the street at a dead run. A many as 10,000 people were believed to have died in those quakes. A year later we returned to report on recovery efforts.We drove to the Northridge quake, which hit in January, 1994; magnitude of 6.7, killing 57 and injuring 8700. In the midst of driving snow in Julian. Battered by a winter storm on the Oceanside Pier.A giant boulder crashed onto a house in Rancho San Diego in 2000. Fortunately, no one was home when the 140-ton house guest dropped in.Rainbow Creek was the site of a desperate search for a 5 year old boy who'd been swept away in flood waters early last year.We just observed the 10 year anniversary of an FA-18 jet crash into two homes in University City. Four were killed in that tragedy.PSA Flight 182 will never be forgotten. A Cessna collided in mid-air with the jetliner over North Park, claiming 144 lives and and 22 homes. It was in 1978. There've been many tributes. 2375