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People at events throughout the nation today, April 4, 2018 are remembering the assassination of civil rights leader Martin Luther King Jr., which happened 50 years ago at the Lorraine Motel in Memphis, Tennessee.MLK's legacy is being highlighted today with events at the National Civil Rights Museum, which is at that site. The day will include bell tolls across the nation at 6:01 p.m. Central Time, the moment when Dr. King was shot.There are also marches and other events in Washington D.C. and throughout the country. 540

OTAY MESA, Calif. (KGTV) - A housing development going up in the South Bay could be giving San Diego renters a better chance to become homeowners.That's because the attached homes that comprise the Playa del Sol master plan community in Otay Mesa start from the high 0,000s, which is just above the median price for the area. "This is an opportunity for the first-time home buyer," said Jimmy Ayala, division president for Pardee Homes, which is developing the community. The development, with some phases already complete, will ultimately grow to 800 units, all with two or more bedrooms. It's located just north of the 905 freeway at Caliente Road. RELATED: Making it in San Diego: Key saving steps helped renter buy her first homeAyala says the market has cooled in the last two years, and lower interest rates have helped turn renters into buyers. He says Pardee has its own mortgage company, so it is able to work with buyers who may not have a large amount of cash for a down payment. Ayala says typical monthly payments range between ,600 and ,200 a month, and most people put 5 to 10 percent down. "In this general vicinity, there's about 2,000 homes that are currently being rented and we draw from those folks who are cash flowing, so to speak, on a monthly basis but don't always have a down payment for a home," Ayala said. RELATED: Making It In San Diego: How housing got so expensiveAyala said currently there are two units available in the high 0,000s but that most are on the market 0,000s. The HOA fees for the complex run about 5 per month. Heather Evans, who is paying ,200 a month for her daughter to rent a room near Mesa College, said several of her relatives feel buying is out of reach. "I'd love to see her be a homeowner someday but I have nieces in the area, early 30s, that are renting," she said, adding her niece and her nieces husband pay ,000 a month for a one-bedroom apartment. Ayala said the homes are priced to market. The properties Pardee is selling in East County are available for 0,000 to 0,000, while those in Coastal North County are on the market for million to .5 million. Need more help? The San Diego Housing Coalition and San Diego County have resources to help first-time home buyers. 2272

People in Idaho are walking through their future homes before the walls go up. "It's like you're really there cooking in your kitchen walking to the fridge back to the sink," said the owner of Draftech Brendan Smythe. Incorporating virtual reality into the mix can mean big bucks saved for homebuyers. There's a big demand in Idaho's Treasure Valley home market. According to data, nearly a quarter of sales are of new homes, and the cost of land and construction is rising. Some builders say nearly ,000-30,000 can be saved by making changes before the fieldwork begins."The changes and modifications they know they would've made out in the field they can make them a lot sooner, earlier on, more cost-effective up front," Smythe said. Draftech is an architecture design firm in the Treasure Valley taking their 2D drawings and blueprints and bringing them to life."You have your husband or your wife right next to you in the kitchen you get a sense of size and space," said Smythe. VR also helps all hands on deck save money and time."It saves all parties time because when you're making those changes to real estate properties or buildings while they're being built that can extend your timeline, so it can be extremely costly," said Annie Morley, the president of the Idaho Virtual Reality Council.Interior designers are also included in the VR equation so that clients can make change to surfaces and colors of their floors and cabinets inside their home with local materials readily available."In a few years I guarantee there won't be a single home designed without virtual reality," Smythe said.  1680

Participating in a town hall discussion on Monday in the key battleground state of Florida, Joe Biden said he would implement a mandate of masks on federal property if elected president amid the coronavirus pandemic. The mandate would apply to places such as national buildings, Social Security offices and federal courthouses. Biden’s remarks stood in stark contrast with President Donald Trump, who made a point to remove his mask when he entered the White House on Monday after returning from the hospital. Trump is currently recovering from the coronavirus at the White House after a three-day stay at Walter Reed Medical Center.The primetime town hall featuring the former vice president was aired on NBC.Biden conceded that the president does not have the power to call for a nationwide mask mandate in all 50 states, but he would use the bully pulpit of the presidency to compel state and local leaders to enforce mask wearing in public spaces.“I would go out and I would call all of the governors to the White House, some probably wouldn’t come, and I would say… ‘take responsibility,’” Biden said. “Take responsibility and lay out the guidelines. One of the problems is this president said ‘I take no responsibility.’ Literally.“'It is not my responsibility.’ So if it is not his responsibility, he talked about this being like a time of war, we are under attack. As I said earlier, 200,000 plus have died, 50,000 plus a day are getting the virus (the average in recent days has been 40,000 per day), 1,000 per day or thereabout are dying, this is a national emergency.”Biden said that he was not surprised that Trump, his opponent in next month’s presidential election, was infected with the coronavirus.“Quite frankly, I wasn’t surprised,” Biden told NBC’s Lester Holt. “For the last three months, three times a week, I am on the telephone and on Zoom with some of the leading immunologists in the nation and they go through everything that is happening. So the idea that COVID does not spread in proximity when you don’t have a mask on and when you’re not socially distancing, when there are large groups of people, when your inside particularly, but even when you’re outside, that is not surprising.To watch the full town hall featuring Biden, click here. 2276

Police are warning about a terrifying phone scam where the person on the other end of the phone says they are holding a family member for ransom.One woman said she received one of these calls and it was the most frightening call she ever received.Natalie Bruser was heading home from work when her cellphone rang from a number she did not recognize."I answered, and it sounded like one of my kids crying, and I couldn't figure out who it was," said Bruser, who has three children. "They were crying super hard, and so I was hysterical."The sobbing young woman said she had been kidnapped. Bruser thought it sounded most like her daughter Nicole, who is in her 20s."It seems that a black Suburban pulled up, and people got out with guns," she said. "And Nicole started screaming."A man then got on the phone and said if Bruser wanted to see her daughter again, she needed to drive over at a gas station off Interstate 75 in Springboro, and get money from an ATM.The man said police were on their tail, and then he told Bruser to stay on the phone and not call 9-1-1. The man also said Bruser needed to act quickly or they would harm her daughter, who appeared to be still crying in the background."She was crying heavily," Bruser said. "And I said, 'Nicole, please calm down. I need to hear your voice. I need to really hear that you're OK.'"But it was all a scam.Luckily, Bruser was able to yell for help, and someone nearby called the police. Officers quickly sorted the situation out.It turned out that there was no black SUV with armed men inside, there was no police car in pursuit, and as for Bruser's daughter Nicole, she was home resting."I'm freaking out at this point. I don't know if they have her hostage or not," Bruser said. "So Springboro police actually went and banged on her door, and she was sleeping, and so here she was safe at home."How the scam worksIt's called the "virtual kidnapping scam."According to police, the caller is not local and does not even know your son or daughter's name. But panicked parents will grab hundreds of dollars, then run to the nearest Western Union desk to wire money for the release of their child.Reports from around the country say this is a very effective scam. The scammers usually tell their victims to stay on the phone and not let anyone know what is going on or they will harm their child.As for the black Chevy Suburban filled with kidnappers carrying guns, the scammers have seen action movies where this is a common trope.In a moment of panic however, it's easy to miss all the holes in the caller's story.So be suspicious of any strange phone calls that appear to be from a family member in distress. Make sure it is really your child."It can happen to anybody and it was so real," Bruser said.This is similar to the long-running grandparent scam, where someone calls and says, "Grandma, Grandpa, I got arrested and I need help."Before you do anything, call police, call a friend or call home.Chances are they are safe, and that way, you don't waste your money.___________________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 3344

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