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SAN DIEGO (KGTV) - Charles Schwab is the latest large investment firm to offer fractional stocks as a way to get more people to invest.The move puts more high-dollar, blue chip stocks within reach for younger customers."It's a big win to consumers in general," says Steven Fox, the owner of Next Gen Financial Planning. "That's particularly helpful for younger investors because they typically tend to have smaller accounts."A recent report says that 66% of millennials say they're afraid of the stock market. Fox thinks it's because that generation watched their parents go through multiple downturns and were turned off by its volatility.But, Fox says fractional stocks, and other new ideas from large companies are enticing more people to invest. He says many firms are starting to offer perks like zero-commission trades, fractional stocks, and on-line based accounts to help people save money and invest more."It may only be 1%, but for a lot of people over a long period of time, as you account grows more and more, that 1% can mean a difference of tens or hundreds of thousands of dollars that you would have available to pull out later in life."Fox says it also helps people keep a more diverse portfolio. He says this is the start of a shift to more direct indexing, where investors will be able to use fractional stocks to create their own groups of investments, rather than buying pre-set mutual funds or indexes."You're gonna see more technology come out that makes it easy to do direct indexing and consumers are going to see more and more options here," says Fox. 1585

SAN DIEGO (KGTV) — As states continue to count votes, one thing is clear: the pre-election polls were off again.Pollsters underestimated support for President Donald Trump by a wider margin than they did in 2016, prompting a number of theories about what went wrong and why changes adopted after the 2016 election proved ineffective.Heading into Election Day 2020, candidate Joe Biden led Trump nationally by an average of 8.4%, according to FiveThirtyEight’s polling average. We won’t know the final margin until all the votes are counted, but it looks like Trump’s support was underestimated by about 3.5%.That’s wider than the national popular vote miss in 2016, when the polls underestimated Trump’s support by 1.1%.“Polling emerged from 2016 with a black eye. This is fair to say a second black eye in 2020,” said Jay Leve of polling firm SurveyUSA.Leve said the industry thought it had corrected its 2016 mistakes. Polling in the 2018 midterms was very accurate.In 2020, pollsters made sure to weigh for education level and include enough non-college-educated white voters to try to capture a representative sample of the electorate.But state polls show it didn’t work. In Ohio, there was a nearly 8-point miss. In Wisconsin, there was a nearly 10-point miss. In Florida, the polls missed by 5 points and incorrectly showed Biden in the lead.“While pollsters attempted to correct for the mistakes that they made in 2016, President Trump was busy hammering home a narrative that, number one, the media is the enemy of the people. And number two, polls are fake polls,” Leve said.Leve thinks that skepticism and distrust caused Trump supporters to ignore pollsters at a higher rate, causing them to be underrepresented in samples.San Diego State political scientist Dr. Stephen Goggin says there are other theories as well.“Between mail-in balloting, the pandemic, between all the early voting and all the confusion it creates, it’s possible some of that played a role in creating the error we saw this time,” he said.Goggin said the pandemic may have made the models used to predict voter turnout less accurate this cycle. Many surveys heading into the election showed an unusual trend: Biden was polling better among so-called “likely voters” than among registered voters overall. Typically Republicans hold an edge among likely voters, Nate Cohn of the New York Times noted.There’s also some early data suggesting once the pandemic hit, Democrats started responding to surveys more frequently, something that could have shifted the poll numbers.There may have also been issues surveying certain demographic groups. Pre-election polls showed Biden chipping away at Trump’s lead with seniors compared to 2016, but Biden actually did worse than Clinton with that demographic in certain key states. Trump’s support among Hispanic voters in Florida also surprised pollsters. If exit polling data shows that trend continued in other states, it might explain about one-quarter of this year’s polling error, according to the New York Times.“Many of these errors are fixable when they find out what went wrong and you can still get high-quality samples,” Goggin said.Pollsters are planning to do detailed autopsies on the election once they have final turnout data and results by precinct. Polling firms will eventually post detailed data from their results to the Roper Center for more finely tuned analysis.ABC 10News used SurveyUSA this election cycle to poll 11 state and local races. The final polls accurately predicted the winner in all 11 races, although the margins weren’t perfect.The ABC 10News/Union-Tribune scientific polls actually overestimated Trump’s support in California by about 4 points, relative to vote totals as of November 12. 3757

SAN DIEGO (KGTV) - Computers have become a lifeline to San Diegans during the pandemic and a new partnership between the city and non-profit San Diego Futures Foundation could make it easier for people in need to get connected.Executive Director of San Diego Futures Foundation Gary Knight said the need skyrocketed the first three weeks of the shut down in March, "we distributed over half our annual inventory in that three weeks."That's more than 1,500 computers. The non profit partners with companies like Qualcomm, General Atomics and San Diego County to take on their old computers, refurbish them and connect them with people in need.City of San Diego Digital Strategy Manager Jen Lebron said 30,000 households don't have a computer, just within the city limits.Right now that means limited connection to healthcare, education and job seeking material."San Diego Futures Foundation has an incredibly broad reach, that way we can get these computers in the hands of students, seniors, veterans, foster families and non profits that really need the help," Lebron said.Michelle Sanudo recieved a computer from SDFF this month and said it's made her feel independent and successful. She's a single mom who relied on the library to entertain her four and one-year-old children while she worked."Really it was kind of like a sanctuary, I would get to do my paperwork for school, also apply for jobs," Sanudo said."When they closed the libraries that's when it hit me." She said the computer allows her to order groceries so she can keep her family safe during the pandemic and pursue her dream of becoming a medical assistant.As the need for computers continues in San Diego and SDFF's inventory wanes, they need more donations. That's where the city is stepping in. For the past year the city has been vetting the non profit. Wednesday the City Council Economic Development and Intergovernmental Relations Committee unanimously approved the partnership. Now it must go before the full council to receive approval. The item is on the docket for Tuesday, the 21st."We are ready with nearly 2,300 computers that we can give to San Diego Futures Foundation." Lebron said these computers have been stockpiled, in hopes of being used to better the community.If approved, the city would hand over the stockpile and have about 800 computers each following year to supply SDFF.Those computers could be in the hands of people like Sanudo by mid-August."We're not going to see this disappearing, the need for this is going to stay at a very high rate for a while," Knight said as we head toward the school year.If you would like to donate your computer to SDFF, please call and make an appointment to do a drive by drop off.If you would like to see how you can get connected with a computer, please click here. 2810

SAN DIEGO (KGTV) - At times, the last thing some people want to do is get home after a long day and cook dinner.Thankfully, Pisco Rotisserie and Cevicheria in Liberty Station is willing to help out and you can still make sure you get a hearty meal out of the experience.Pisco's Executive Chef Emmanuel Piqueras has a great recipe for a quinoa salad that will leave you full - whether you dine in or try it at home.The Dish:Quinoa SaladWhat You'll Need: 490

SAN DIEGO (KGTV) -- Behind the research board project that placed top 300 in the national broadcom master's STEM competition, is Scripps Ranch High's freshman, Agastya Sridharan. "It started when I was reading a Wall Street report saying google search results were bias and it was shocking to me."Agastya created a Google platform mock-up that surveyed people's perceptions on political candidates, based on search engine results. "I had a few political search results which were arranged in 5 different orders, one favoring a liberal, one favoring a conservative. Once I got the results back, I was shocked how much it changed people's perspectives by 30%."And it wasn't just his creativeness that got the judge's attention. He was also asked to answer two questions, one to offer a solution to the global wildfire issue. "You'd have a fleet of drones that'd detect fires with image processions and AI, that was my idea for solving the wildfires." His sharp responses then placed him in the top 30. "I just freaked out, it was incredible."Next month, Agastya will be competing in the final round as the contest goes virtual for the first time amid COVID-19. He said the most exciting takeaway so far, has been seeing others his age come up with real solutions that could change the world. "They've really tried to solve some of the problems pressing the world today. Like how to approach the problems our world face because we're going to be the ones inhibiting it, right?" 1482