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SAN DIEGO (KGTV) - The cycle of debt is something a lot of people are desperate to break. One of the biggest challenges is keeping up with credit cards, payments and beating the interest rates. Now, a San Diego startup is offering people an opportunity to make purchases on items they may need for themselves or their families, without interest rates, credit checks, or penalties. Marc Schneider is the CEO of Zebit, an online shopping site designed to help people facing financial hardships, get on track, make payments and get what they need. “We’re trying to provide sort of an Amazon for the under-served,” said Schneider. RELATED: San Diego Workforce teams up with UCSD Extension to offer student loan alternativeWhile growing up, Schneider and his family faced financial struggles of their own. “I’ve supported my mother since I was 15 years old. I grew up in a mobile home with a separated family. Ended up being homeless on food stamps,” said Schneider. Now, Schneider is a successful entrepreneur, with Zebit hitting million in 2017, and million last year. “Zebit was built to change how consumers get access to credit, to give them a fair deal and have zero gotchas,” Schneider said. In order to make purchases on Zebit, you first need to create a profile which includes providing your current employment status and driver’s license. The company then uses that information to verify your employment and determine how much of a Zebit line you will receive. The Zebit line is similar to store credit or having a credit card, but without the interest rates and penalties and with the chance to make payments for purchases over a 6 to 12 month period of time. RELATED: Realtors expect busy spring for buyers and sellersFor example, a MacBook Air on Zebit may cost around ,273. The may break down to 8 upfront with 12 payments of a month. A five-piece dining set may cost around up front, with monthly payments around dollars.“We’ve heard stories like you save my Christmas, my daughter wouldn’t have had a birthday present if it wasn’t for you, I couldn’t get married because I didn’t have a way to finance an engagement ring,” said Schneider.Some of the items on Zebit can cost 5 to 10 percent more than some items on Amazon, however the company still stresses that their interest-free model and competitive prices makes it a great shopping experience that was designed with people who may not a lot of money, or struggle with credit card payments and interest rates. “I wanna build a big company that makes an impact on a consumer base, a consumer base that tends to be invisible that tends to be neglected and a consumer base that tends to really rip people off over time,” said Schneider. Schneider hopes his company will help others break their own cycle of debt. 2808

SAN DIEGO (KGTV) — The 19th annual True Blue Luncheon celebrated the bravery shown by three officers who shared their experience in the Rolando shooting almost a year later.The very shield that protected Officers Francisco Roman and Dan Bihum was at the luncheon, helping SD Police Foundation donors understand what their money is going toward. The shield is hefty, with a steel plate inside, according to Officer Trevor Philip.Bihum said he saw two bright flashes, "two of the rounds struck me." "He literally fell right in front of me it was probably one of the hardest moments of my life," Roman said.RELATED: Body camera video shows San Diego Police shooting in RolandoThat night, June 23, 2018, the distress call from a neighbor concerned about Joe Darwish turned into a gunfight injuring two officers and ultimately ending with Darwish's death.The shield was handed to Roman and Bihum while they were trapped in the hallway."As soon as Francisco got the shield in front of them he took another volley of gunfire and two of the rounds hit the shield," a SWAT Officer said."Just a great feeling because we had some form of protection," Roman said. Both officers struggled to share, as they relived the moments on that day."The shield absolutely saved our life," Roman said tearing up. He looked away, clenched his jaw and continued, "it definitely saved us for sure."Thursday, they shared their story with a room full of donors in the Harbor Island Sheraton. Their goal is in sharing their trauma, they hoped to inspire San Diegans to open their wallets and help them buy 758 more shields so that their brothers and sisters in blue are protected. The money raised by the luncheon goes to the San Diego Police Foundation, who helps buy whatever the department needs. In 2018, the luncheon raised 0,000. This year they hope to raise 5,000.The 19-year tradition has a new name and has been filling the gap between city funds and SDPD's needs. 1957

SAN DIEGO (KGTV) -- The man suspected of driving into and setting fire to a Raytheon building in San Diego last month appeared in court Wednesday. Daniel Hector Mackinnon, 36, pleaded not guilty at his Wednesday arraignment. Mackinnon was charged with two counts of malicious destruction of a building by means of fire in late April. According to authorities, on April 24, an explosion occurred at the Raytheon building on the 8600 block of Balboa Avenue. RELATED: Man accused of slamming into Raytheon building federally chargedA complaint filed in federal court says surveillance video shows a Toyota Prius drive into the side of the building before a man can be seen in the back of the car. Authorities say the man then opened the back hatch when a fireball shot from the side of the vehicle and the man fled. According to the complaint, two empty magazine cartridges and remnants of a melted gas container were found inside the car. The Prius also had two different stolen California license plates. RELATED: Driver arrested after car crashes into defense contractor building in Kearny MesaMackinnon was later arrested after entering the US from Mexico at the Otay Mesa Port of Entry. According to court documents, he was driving a Buick with stolen license plates. 1278

SAN DIEGO (KGTV) — The City of San Diego could make the unorthodox move of refusing to reveal a directory of its 11,000-plus employees.A new memo from City Attorney Mara Elliott's office says officials fear doing so could increase the risk of cyber attack. "You have indicated that releasing all City employee email addresses at once could create a potential threat to the City's cybersecurity because it would make it substantially easier for bad actors to launch phishing attacks against the City, which could interrupt critical City operations," says the Sept. 20 memo. The Union-Tribune recently made a California Public Records Act request for names, work email addresses and phone numbers of all city employees, which is disclosable under the act. Cyber security experts say public agencies have been facing a barrage of hacking attempts because they control critical civic operations. Last year, hackers shut down some operations at the Port of San Diego, and the city of Atlanta has spent millions to recover a system after a ,000 ransomware attack. Ted Harrington, an executive partner at Independent Security Evaluators, said hackers often try to get victims to open attachments in emails, known as phishing. "It's an attack method where when the victim either clicks a link or downloads an attachment, that automatically installs some sort of malware or directors that particular victim to a malicious website, and then all kinds of bad things can happen from there," he said. The City Attorney's memo existing case law suggests there are circumstances where not disclosing the list of workers outweighs the public interest in disclosing them, but leaves it up to the city on a final determination. Jeff Light, the editor and publisher of the Union-Tribune, said in a statement that he understands the cyber security concern, but that it shouldn't keep the information from being disclosed. "Public information law in California says that 'access to information concerning the conduct of the people’s business is a fundamental and necessary right of every person in this state,'" Light said. "I don’t see how that principle squares with this theory that the government should not reveal the phone extension or email of a city employee."The City Attorney memo notes that while the city may not release a full directory, residents do have access to contact information for city officials they may need to contact. It says the decision should be made based on credible facts and information. 2511

SAN DIEGO (KGTV) - Thanksgiving with the Salvation Army will be different in 2020 because of the coronavirus pandemic."We knew that we were going to do something," says Captain Sean Kelsley, who oversees the Salvation Army East County Operations. "The question was, what would it look like?"For the past 30 years, the Salvation Army held large, family-style gatherings to feed people experiencing homelessness, the disabled, and families in need at Golden Hall for Thanksgiving. They plan for 1,800 people, plus volunteers.But a gathering of 2,000+ people is strictly forbidden under California and San Diego County COVID-19 guidelines.In its place, the Salvation Army will offer "grab-and-go" style meals at four locations around the county."We're just glad to be able to be here," says Captain Kelsey. "However people celebrate the holidays, they'll at least be able to get some turkey and some gravy and all that good stuff."People will also receive an additional bag of fruit and snacks with their meals.In addition to providing food, Captain Kelsey says it's a way to connect with people and help them through whatever hardships they face."It allows us to encourage people and find out about a situation that is so dire, that maybe we can wrap around that individual that family, get them plugged in, and get them connected so they can get back on their feet," he says.Service for the meals will start at 11 am at the following locations:Oceanside Corps: 3935 Lake Blvd, Oceanside, CA 92056Centre City Corps: 825 7th Avenue, San Diego, CA 92101Citadel Corps: 4170 Balboa Ave, San Diego, CA 92117El Cajon Red Shield Center: 1025 E. Main St, El Cajon, CA 92021 1671