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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) -- Mayor Kevin Faulconer is among local leaders expected to leave for Mexico City Sunday morning. The trip, which includes Imperial Beach Mayor Serge Dedina, is meant to strengthen ties between the border. The mayors plan to discuss border infrastructure projects, pollution in the Tijuana River Valley and economic ties with leadership in Mexico. RELATED: Trump threatens to 'close' parts of US/Mexican border if Mexico doesn't immediately halt immigrationThe trip comes as President Trump said he would shut down the border with Mexico if the country doesn’t handle the wave of asylum seekers entering the U.S. The San Diego Regional Chamber of Commerce says shutting down the border would have severe consequences. “Our daily lives are effected by the border crossings and how long that takes. So we certainly wish that not to be something to be toyed with,” said Jason Wells, Executive Director of the San Ysidro Chamber of Commerce. The San Ysidro Port of Entry is the busiest land crossing in the U.S. with nearly 100,000 vehicles and pedestrians crossing every day. 1098

SAN DIEGO (KGTV) -- Kristi's a full-time 5th grade teacher and her sister, Heather, is the director of compliance and relations at San Diego State, Heather also runs a small tattoo removal business on the side.When COVID came around, the sisters added even more to their plate."We're both born entrepreneurs and always are thinking about solutions," says Heather.While Heather was creating a COVID training guide for her employees as her small business prepared to reopen, the sisters stumbled upon an idea that could help small business owners navigate some of their own challenges."We started brainstorming and began to go through pieces, did the research and provided a training for her employees and thought,'oh my gosh, if she needs this everyone's going to need this,'" Kristi recalled. That's when Small Business Employee Training was born. Their safety course takes in-depth COVID-19 information, along with CDC guidelines and regulations, and transforms it all into a 30-minute safety course for employees. "In the state of COVID, there was a lot of fear and anxiety around going back to work. How does that happen, what are the requirements," Kristi said.Since the course have became available, over 300 employees have taken the course through their employers."The goal is an employee would enter the workplace, go through a training, and understand what COVID is and how to keep themselves and other safe in the workplace."The course is only and employees receive a certificate of completion afterwards. 1526

SAN DIEGO (KGTV) -- Local San Diego County attractions announced Sunday that they will close as a stay-at-home order takes effect in Southern California.The restrictions for the region begin at 11:59 p.m. on Sunday.SeaWorld announced a temporary closure beginning December 7. The closure will remain until the region’s zoos are allowed to reopen, the amusement park said.“During this time, our veterinarians and animal care experts will continue to provide the animals that call SeaWorld San Diego home the same high level of care," SeaWorld said in a statement. "Our animal rescue and rehabilitation operations will also continue to conduct their important work that is a hallmark of our company."RELATED STORIESCounty urges San Diegans to heed new health orders as COVID-19 cases surge'The rules are changing once again' Mayor Kevin Faulconer responds to Newsom's new shutdownsSan Diego restaurant workers dread latest shutdownThe San Diego Zoo, San Diego Zoo Safari Park, and Birch Aquarium also announced closures starting December 7.“We continue to have essential and dedicated staff on grounds at both parks, ensuring that the wildlife in our care continue to thrive. The urgent nature of our work to save species is unchanged, even in the face of this pandemic. Species will continue to disappear from the planet at an accelerated rate if we do not remain steadfast in fulfilling our mission. We keep at the forefront of our thoughts the well-being of these dedicated employees and the many volunteers who make our parks such special places to visit. We look forward to the day we get to welcome our guests back,” the zoo said.LEGOLAND California has not officially announced closing, but the park's website has changed the last day of its holiday event from Jan. 10 to Sunday, Dec. 6. The USS Midway Museum also closed to visitors on Sunday.The news comes as the region fell below the 15% ICU threshold, triggering the restrictions.The State Department of Public Health said the entire Southern California Region, including San Diego, Los Angeles, Orange, Riverside, Imperial, Inyo, Mono, San Bernardino, San Luis Obispo, Santa Barbara, and Ventura counties fell to 10.3% ICU capacity on Sunday. 2211

SAN DIEGO (KGTV) - It is Tax Day, and if you’re like most Californians, you’re probably wondering what happened to the nice refund you’re used to getting. Or worse, you owe the government this year. So how do you Make it in San Diego on Tax Day? We found an expert who can help.It's the worst sticker shock imaginable. You're used to a little something back from the government every year in the form of a refund, but suddenly you find yourself with a hefty bill. And the feds don't look kindly on late payments."I always tell people: if you owe money, the first step is don't panic," says Ariel Jurow-Kleiman an Assistant Professor of Law at the University of San Diego. Jurow-Kleiman should know. She's helped people in this situation many times before as a tax attorney and now teaches tax law at USD. Here's the problem."The Federal tax laws were changed in a way that will dramatically affect California residents," explains Professor Kleiman.And that's probably what hit you, too. Many itemized deductions you used to get were either tossed out or capped. "It used to be you could deduct all of your state income taxes," adds Jurow-Kleiman.Now those California income taxes are capped at ,000. And your house, the interest on the mortgage was capped too - double whammy. So, if you owe, here's the first step: do not put off filing. "Absolutely, it is so important to file your taxes on time even if you think you're going to owe," says Professor Kleiman, emphasizing the point. There are penalties for filing late: 5% of your tax liability and up to a maximum of 25%. So, let's say you owe 00 and didn't file for a month, that alone will cost you at least an extra . So, file right away, and pay what you can now."There is interest, it fluctuates, right now it's 6%. It compounds daily so every day, every week that you owe there is a little bit more interest that's added on," warns Jurow-Kleiman.That compound interest can accrue quickly but Professor Kleiman says there are options. You could file for an extension and pay the full amount later. Or you could work out an installment agreement but know some fees could be tacked on. In some cases, paying off your taxes with a credit card could be cheaper than the interest from the government."If you're considering owing money to the government versus owing money to a private lender,” adds Professor Kleiman, “It's very often better to borrow money from a private lender and pay your taxes."However, Professor Kleiman adds that’s not always the case. She advises avoiding payday lenders or someone who charges very high-interest rates. And there is help, especially for those with low incomes, the elderly and the disabled.We have provided links to the Volunteer Income Tax Assistance Program and the local Taxpayer Advocate. For local low income clinics you can call the University of San Diego LITC at (619) 260-7470 or Legal Aid Society of San Diego LITC at (877) 534-2524.Finally, make sure you don’t fall into this situation again next year by checking that you have the proper withholding in your paycheck. You can discuss that with your Human Resources representative at work or a tax expert. 3181

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