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SAN DIEGO (KGTV) - At the end of the week, many federal government employees may find themselves in a financial bind as they arrive at their first pay period of the shutdown without a paycheck. Enrique, a federal contractor who did not want to use his last name, created a GoFundMe campaign to cope with the lack of funds. He asked for ,000 to cover his salary gap, posting a picture of his family to encourage donations. “This shutdown really affects me because once the shutdown ends I will not get back pay as a contractor,” Enrique said. Christian Rodriquez is a corrections officer at Metropolitan Correctional Center detention facility in downtown San Diego. His work is deemed essential, so he is working without pay."I'm going to have to borrow from family and friends to pay my mortgage, or get a loan," said Rodriguez.Some institutions, including Navy Federal Credit Union (NFCU), are offering no-interest loans to help workers through the crisis. Other banks, including Chase and Wells Fargo, encouraged affected customers to reach out for assistance.While some loans may have fair terms, government employees are warned to beware of so-called predatory lenders during the shutdown. The California Department of Business Oversight (CDBO) has established guidelines to protect borrowers from illegal and improper lending practices. The agency is warning government workers against excessively high fees and commissions, high interest rates, high-cost credit insurance, and refinancing with higher fees, known as “loan flipping”. CDBO experts have tips for anyone seeking a loan.Shop around: Compare interest rates and total costs of loans by several banks and credit unionsUse caution: Be wary of lenders who contact you first, or offers “only good for a short time”Ask questions: You have a legal right to know the total cost of the loan, the APR, monthly payments, and how long you have to pay it backThink before you sign: Make sure you understand all documents, and consider having someone else check them 2031

SAN DIEGO (KGTV) - Around the world in eight and a half years, one couple returns to San Diego after almost a decade of sailing. Neal Schneider and his wife Ruth left San Diego on their 48-foot sailboat in December 2010. Schneider tells 10News, “I felt like there was an invisible hand grabbing the front of my shirt saying come on you got to do this.” He initially thought it would take them four years to circumnavigate. 38 countries and 49,000 miles later, they ended up taking a little longer. Their path took them to Mexico, French Polynesia, Tonga, New Zealand, Fiji, Thailand, and Africa and beyond. In fact, they decided to spend one whole year living in Thailand. During their adventures there were times where they flew back to the United States. Two of their children got married and they attended the weddings. As the couple prepares for the final leg of their trip, Schneider says, “we are very excited on the verge of being emotional”. An eye-opening experience for the Schneiders, “what a fabulous world this is, but I’ll tell you, I think one of our favorite places in all the places is San Diego.” They are expected to arrive Tuesday evening and dock at San Diego Yacht Club. Upon arrival, the San Diego Harbor Police will escort them into the bay with a water display overhead. 1304

SAN DIEGO (KGTV) — Business associations in North Park and Normal Heights are pushing back against a plan organizers say could bring more customers to their parts of town.Leaders from both business improvement districts are expressing coronavirus-related concerns over a scavenger hunt the city and the San Diego County Bicycle Coalition are planning beginning Aug. 12 and lasting two weeks. "It's unpredictable, especially in this environment, when you're going to invite people to get out of their house for the first time," said Scott Kessler, who leads the Adams Avenue Business Association. "We just don't know what to expect."Organizers say the event is all about social distancing. Participants download an app called Scavify, which they use to do things like find landmarks or answer trivia questions. Local businesses decide how much they want to be involved. "Most of this engagement is done outside, socially distanced, and it's just about highlighting businesses and community organizations," said Sylvie Froncek, program director at the Bike Coalition. But the business organizations say they are concerned about a lack of organization and late notice. "We welcome shoppers, diners and people in need of essential services but we do not support any gatherings that cannot be managed or overseen for safety protocols. Bike events have traditionally brought great benefit to North Park because of the number of people who see them as a way to connect with friends while enjoying outdoor activity," Angela Landsberg, who directs the North Park Main Street Association, said in a statement. "Unless these events can be managed to ensure proper safety for our community at this time we believe they could do more harm than good."Others say that fear is unfounded. The coalition held a scavenger hunt earlier in July in Imperial Beach, an event Councilman Mark West said was such a big success that they have scheduled another one."No one needs to be afraid of this, they need to embrace it and enjoy it because it's good for businesses, it's good for families and it gets you outside," West said. In a statement, the City of San Diego says the event is a safe and virtual opportunity to support local business. It says it continues to seek creative ways to support local business and encourage healthy options. 2327

SAN DIEGO (KGTV) — Anxiety is growing along La Jolla Boulevard after months of drive-by vandals shattering the windows of businesses, homes and cars."It's a little terrifying, random, and I don't know when it's going to happen," said David Heine.Heine owns Beaumont's Eatery. Last Saturday, just before 7 p.m., a customer parked a car across the street."Just crossed the street onto the sidewalk, when we heard the smash. Their car window shattered. At the same time, rocks came through our awning," said Heine.Heine says the rocks tore through the vinyl awning and struck his hostess, who wasn't injured."The rocks bounced past kids on the patio. It's a dangerous situation," said Heine.It's a danger that isn't going away. The incident is the latest of five similar incidents here in the past few months. Along a mile-and-a-half stretch of La Jolla Blvd., a similar story has been unfolding: Kitchen and car windows shattered, along with windows of other businesses like the Baskin-Robbins.Megan Murphy, co-owner of Verdes El Ranchero restaurant, just finished replacing her second rock shattered window. But this Saturday night, a clue emerged from her new cameras. In the video, a dark sedan pauses to let two people cross the street, before a person wearing red leans out of the window and appears to toss something out. At the same time, rocks appear on the ground near the pedestrians. The rocks recovered have been about an inch long, but they've been thrown with velocity. A handful of people have been hit, but there have been no serious injuries."One of these times someone is going to get seriously hurt, and it's not okay ... not kids being kids. It's vandalism," said Murphy.Heine says each incident has occurred at night and generally on the weekend. Anyone with information is asked to call San Diego Police at 619-531-2000. 1849

SAN DIEGO (KGTV) — Brendan Watters had big plans for Ballast Point the moment his company took control March 2. That includes creating new beers, and driving a wrapped bus around San Diego for two months announcing that the iconic craft brewery was back under local control. All of that hit a snag two days after sale closed, when Gov. Gavin Newsom announced a State of Emergency because of the coronavirus outbreak. "So basically a week after we were closing up operations," said Watters, the brewery's CEO, who moved to San Diego after the sale. "We had to pivot straight away."Watters' company, Kings and Convicts, bought Ballast Point from Constellation Brands, a Fortune-500 beverage company that paid billion for the San Diego brewer in 2015. Watters declined to disclose the sale price, but did confirm it was less than billion. He said Ballast Point, which launched in San Diego in 1996, lost some of its local charm under an international brand. He says he plans to bring that back, with two new beers launching this summer and an emphasis on design, such as the famous oceanic art that accompanies each one. Still, he faced an unprecedented challenge two days after closing. The tap rooms all shut down, eviscerating 50 percent of its revenue (Watters estimates total revenue fell as much as 60 percent). Watters says the brewery focused on its distribution, and was aided by a federal stimulus loan. Now, the Miramar and Little Italy tasting rooms are reopening with social distancing alterations, such as spaced out tables, and smartphone ordering systems. Watters says he was able to recall most of the brewery's 550 employees. He says Ballast Point can last with the reduced capacity in the short-term, but the longer this goes, the harder it will be. 1780

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