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SAN DIEGO (KGTV) - A San Diego insurance agent who cheated 15 victims out of nearly .5 million was sentenced Wednesday to nine years in prison.Shawn Heffernan, 43, pleaded guilty in February to 29 felony counts of fraud and other charges, according to the San Diego County District Attorney’s Office.Heffernan would often convince clients to surrender existing life insurance policies and purchase new ones. The practice, known as “churning” or “twisting”, led to hefty commissions for Heffernan and steep penalties for clients, prosecutors said. Heffernan also collected investment funds and spent them on personal items including a Maserati, jewelry, and a lavish wedding, according to the District Attorney. Eight of Heffernan’s victims were senior citizens.“Stealing money from investors, and defrauding them out of their hard-earned savings, especially when some of the victims are senior citizens, is disgraceful and will not be tolerated,” District Attorney Summer Stephan said.  1011

SAN DIEGO (KGTV) -- A new study by Zillow shows that homebuyers with lower credit scored pay more for the same homes than buyers with excellent credit scores.According to Zillow, borrowers with excellent credit scores could get a mortgage with a 4.5 percent annual percentage rate.Borrowers with a fair credit score could get a 5.1 percent rate. Over the lifetime of a 30-year mortgage, that means a buyer with a fair credit score may end up paying an additional ,000 over the lifetime of the loan.In San Diego, where the median home value in March of 2018 was 5,300, Zillow estimates that homebuyers with fair credit will pay ,000 for the same home.The difference is only amplified in more expensive markets, Zillow says. In addition, the penalty for lower credit scores tends to be higher."When you buy a home, your financial history determines your financial future," said Zillow senior economist Aaron Terrazas. "Homebuyers with weaker credit end up paying substantially higher costs over the lifetime of a home loan. Of course, homeowners do have the option to refinance their loan if their credit improves, but as mortgage rates rise this may be a less attractive option."Zillow says that even if homeowners don’t pay the full 30-year term on a loan, the annual cost of a lower credit score can still add up to 0 a year. 1346

SAN DIEGO (KGTV) -- A new trend is challenging people to put down their phones, but many people report feeling anxious when separated from their devices. Called nomophobia, short for no more phone phobia, 73 percent of teens in a recent addiction study reported feeling anxious when their phones had no charge according to the National Institute on Drug Abuse for Teens. That same study found that the teens checked their phones once every 23 minutes. READ: School locks up students cell phones to improve grades, prevent cyber-bullying"I have 4 kids and go to school full time, I need my phone with me," one person said on a 10News Facebook poll."I could go a few weeks or a month easy," another added. New research suggests that our phones keep us in a persistent state of anxiety that’s only relieved by checking our phones Dr. Nancy Cheever told ABC News. Her research suggests phone-induced anxiety works on a positive feedback loop. According to a Rutgers University study, cellphone distraction in the classroom can lead to lower grades. The report lays out how dividing your attention between your phone and real life has serious consequences on how much information you retain. Meanwhile, Cheever warns that little is known about the long term health effects anxiety from phones could cause. 1309

SAN DIEGO (KGTV) – A local medical spa is coming under fire for offering a coronavirus treatment that costs thousands of dollars but the spa director defends his actions.Dr. Jennings Staley operates Carmel Valley’s Skinny Beach med spa which specializes in treatments like Botox and laser hair removal. He says he’s been dealing with a lot over the last few days.“Death threats. My wife was in tears all day Saturday fielding phone calls from people who say I'm an unethical doctor,” he tells 10News.RELATED: Instacart employees threaten to strike, say job is currently too risky during COVID-19He's being accused of being unethical for advertising COVID-19 treatment packs with hydroxychloroquine and azithromycin. Last Friday, screen shots shared with 10News revealed his new COVID-19 treatment pricing plans which go up to nearly ,000 for a family resistance pack which includes, in part, the prescription drugs and vitamin C. “It just seems to me that it's a way to profit off of people's fear,” says Seattle-area family practitioner Dr. Leanne Kildare. RELATED: What's the difference? Cold vs. Flu vs. Coronavirus SymptomsWhen she saw the ads, she was stunned.One ad description reads in part, "Dr. Staley will evaluate your symptoms via telemedicine” and "if needed, a nurse or Dr. Staley will visit you at your home" for further evaluation and potential in-home COVID-19 testing and possibly start a treatment pack, which is "now available by prescription only through Skinny Beach med spa." “It doesn’t sit well,” adds Dr. Kildare.“I knew it would be a little bit controversial because there was the controversy around the fact that hydroxychloroquine wasn't approved until Sunday night but I didn't think people would be so angry,” Dr. Staley tells 10News.The FDA gave emergency approval Sunday to distribute hydroxychloroquine to hospitals, despite the potential side effects like heart problems, and lack of studies showing the medication's benefits.“I would not prescribe the medication without seeing the patient and evaluating them first,” Dr. Staley says.He tells 10News that he's treating about 20 patients with possible COVID-19 symptoms and he's only charging a few of them for his services. He adds that he doesn't have test kits yet and he has not yet prescribed any of them the hydroxychloroquine.Dr. Kildare believes it’s irresponsible to offer the drug outside of a controlled hospital setting.“I wouldn't take the risk. I wouldn't do it at this point in time,” she tells 10News.The ads have been taken down but Dr. Staley says he's still offering the treatments and he'll do them for free if patients can't afford them. 2654

SAN DIEGO (KGTV) -- A measure that would increase San Diego's hotel tax is heading to the ballot on March 3 and a recent poll shows how San Diegans feel about Measure C. Measure C would increase San Diego’s hotel visitor tax from 10.5 percent to 11.75, 12.75 and 13.75 percent depending on hotel location through at least 2061.The money would go toward expanding the convention center, funding homelessness programs and fixing San Diego roads. According to the “Yes on C” campaign, the measure would create 7 million for homeless programs in the first five years of the initiative. The campaign also says the measure would create 7,000 jobs. RELATED: Here's what happens if voters approve Measure B - Newland SierraAs far as roads, the measure includes “dedicated finding for fixing our streets.” If passed, money would go toward repaving an additional 150 miles of city streets every year. The measure also includes criminal penalties if politicians misuse the funds, according to the campaign. A new poll shows how San Diegans are feeling about the measure. The measure requires two-thirds supermajority to pass. A 10News-San Diego Union-Tribune poll shows that, as of February, 61 percent support the measure while 21 percent are opposed and 18 percent are undecided. “A majority of San Diegans are uniting behind Measure C because it is straight forward in its approach to tackling the city’s most pressing issues with a tax on tourists, not San Diegans," said Greg Block, a spokesman for the Measure C campaign. "People already know Measure C will help with homelessness, street repair and job creation by expanding of the Convention Center."Michael McConnell, an advocate for the homeless, is leading the opposition and warns the measure has “loopholes and risks.”"They are hiding up to Billion in bonds with no guarantee that money will be spent the right way," he said in a statement. "It does not even guarantee any housing and services for homeless families, seniors or veterans. We can’t trust the supporters who have taken money from a private prison company and been exposed for paying for support."Below is a breakdown of how the money would be spent: From the date the tax takes effect through the city’s fiscal year 2023-2024, the revenue from the tax would be allocated as follows: 59% to Convention Center purposes; and 41% to homelessness programs and services. After Fiscal Year 2023-2024, revenue from the increase would be allocated: 59% to Convention Center purposes; 31% to homelessness programs and services; and 10% for street repairs. 2575

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