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SAN DIEGO (KGTV) - Small businesses are the heart of San Diego's economy, but for those looking to start one, the process can feel overwhelming. It's a gap the nonprofit lender Accion has been working to fill for the last 25 years. "Sometimes thinking about getting a loan can be scary, and I think one of the things we really try to do through our process with our staff is really walk alongside that business owner," said Elizabeth Shott, CEO of Accion. Since they began in 1994, Accion has loaned million to roughly 3,100 small businesses."We're teaching them about their credit, about their finance, and their cash flow. So through the loan process they're getting a lot of one-on-one education from our staff team," said Shott.On Accion's website, you can apply for a loan as well as learn about free resources available in San Diego. Some free resources include:Legal clinics at universities San Diego Small Business Development CenterA patent attorney available once a month at the libraryFrancisco Moreno, owner of Tacos La Mezcla, is one of the many entrepreneurs who's received both a loan and guidance from Accion. “I guess the unknown is really scary, financially it can be really stressful," said Moreno. After Moreno successfully launched his food truck he was able to open a restaurant with help from Accion. Shott cautions businesses to be careful when getting any loan, being sure to ask questions and understand the terms and fees. Her staff often hears about predatory lenders online which can ultimately cost a business far more than they're able to afford. Their partner nonprofit CDC compiled this list to help entrepreneurs in thinking about the questions/info they should know prior to getting a loan. 1737

SAN DIEGO (KGTV) – San Diego’s tourism industry is preparing for a hit with restrictions and travel advisories in place ahead of the holidays.Since the onset of the coronavirus pandemic in March, research shows the San Diego region has lost .6 billion in tourist money.Last week, Gov. Gavin Newsom announced California, Oregon, and Washington were issuing a travel advisory, asking people to self-quarantine for 14 days if they’ve traveled out of the state or out of the country.The announcement coincides with the CDC urging Americans to stay home and not travel over the holidays.Local hotel owner Bob Rausch said he believes this won’t just hurt his business, but San Diego’s tourism in general. Rausch said tourism is an important part of the city’s economy.“Even if you don’t work directly in the industry, you likely are getting the benefits of tourism,” said Rausch. “I don’t see any good news for the next six months because it’s not our peak season, there are no corporate travelers coming because of all the restrictions. And there aren’t any groups allowed in the state. And leisure travelers are being told to stay home and that was our only business.”It's grim news for business owners who are trying to keep their doors open, and economists are predicting it will take five years for San Diego’s tourism to recover. 1339

SAN DIEGO (KGTV) - San Diego State University students can earn extra credit in a sociology class if they take a quiz calculating their "white privilege."Professor Dae Elliott is the purveyor of the 20-question quiz that urges students to evaluate situations and determine if their skin color has benefitted them in some way.Featuring scenarios like: “I can be late to a meeting without having the lateness reflect on my race,” and, “I can choose blemish or bandages in flesh color and have them more or less match my skin,” the quiz ranks a person’s privilege by tallying up the points they get for each question.In short, the higher one’s score, the higher their privilege.“I basically made it clear there’s a variety of privileges,” said Elliott, “we all have certain privileges.”Students of all ethnicities can take the quiz and can earn the same extra credit regardless of their white privilege score, according to Elliott.SDSU College Republicans president Brandon Jones says the quiz is racially divisive and his friends in Elliott’s class feel like they are being singled out.“I think what she was trying to do is racially bring people together,” said Jones, “but instead she’s excluding a whole group of people on campus.”Elliott says the evaluation is not about color, but a way in which everyone can understand each other better.“We need to listen to each other,” said Elliott, “give each other the same respect we give our own subjectivity.”Click here to see the quiz 10News obtained from a student in the class. 1557

SAN DIEGO (KGTV) - Some parents at a San Diego Unified School District campus are asking district officials for help with challenges they say are brought on by new, later start times.This fall, three schools implemented SDUSD's "Healthy Start Times" program, beginning classes at 8:35 a.m. The District has cited multiple studies that show later start times have positive effects on the health and academic performances of students.RELATED: Three San Diego schools to switch to later start times in 2019But some parents say the District isn't doing enough to help families who still have to drop their students off at school before 8 am, so the parents can get to work on time.Angel Caturay is one of those parents. He drops his son, Angel Miles, off at the San Diego School for Creative and Performing Arts at 7:30 a.m. each morning. Angel Miles then has to wait outside of the school's locked gates until 8 am.10News went by the school at 7:40 a.m. on Thursday morning and found more than two dozen other students also waiting. Some said they had been there since 7 am. Aside from one parking lot attendant, there was no adult supervision.The gates at SCPA don't open until 8 a.m. School begins at 8:35 a.m."Who's responsible?" Caturay asks. "When you drop your kids off, you feel the school should be responsible while they're here at school."In a statement, a district spokesperson told 10News that, "Students left without supervision is a safety risk... the principal has been working with parents to help them identify solutions."Caturay wants to know if the library, cafeteria or classroom could be opened for students to wait in. His son says it's challenging to use that time for homework."There's a lot of groups just sitting down and talking," says Angel Miles. "There are no tables. You're bending your back over, and that can get uncomfortable."The District addressed the issue in a letter to parents last year. Part of it reads, "just because some parents may be unable to provide healthy sleep hours for their teens does not mean that school district policy should prevent all of their teen students from getting the amount of sleep doctors say they need to be healthy and safe."The District plans to have every high school go to the later start times by next fall. Meanwhile, the California Legislature recently passed SB 328. The new law will require all middle and high schools in the state to start later in the day. It specifies start times no earlier than 8 am for middle schools, and 8:30 a.m. for high schools.Governor Newsom has not signed the bill yet, and it wouldn't go into effect until 2022. Former Governor Jerry Brown vetoed a similar bill in 2018, saying start times are an issue that individual school districts need to decide.RELATED: Proposed bill would require later start times for middle and high schoolsCaturay says he understands the decision that SDUSD made. When he emailed the principal at SCPA, he was told about the District's bus program. District files show that costs 0 per year for the first student, 0 for the second. Caturay says he can't afford that, and neither can many other families.He hopes the District can do a little more to accommodate families like his. "It would be nice if they could open up the library," he says. "At least they (the students) could get some work done, study work ahead of time. Then their time wouldn't be wasted just sitting here." 3429

SAN DIEGO (KGTV) -- Smoke from a fire burning in Mexico is visible throughout San Diego Thursday. The blaze is burning roughly five miles into Mexico amid hot, windy conditions. According to Cal Fire, the fire poses no threat to the U.S. at this time. The agency said, however, it is monitoring the situation and will send a response if the fire threatens San Diego County. RELATED: San Diego County forecastThe blaze comes as a Santa Ana winds and high temperatures move through the region. A red flag warning was issued for much of San Diego County through Friday. “Winds will get stronger during the day today peaking overnight into Friday early afternoon. Northeast to easterly sustained winds will reach 20 to 35mph with gusts of 40 to 65mph and isolated gusts up to 75mph while humidity levels will plummet into the single digits,” said 10News meteorologist Megan Parry. RELATED: How to prepare for a wildfire in CaliforniaA high wind warning is also in effect from 8 p.m. Thursday through 2 p.m. Friday for the inland and mountain communities. On top of the wind, a heat advisory was issued from 10 a.m. Thursday through 5 p.m. Friday. 1151