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SAN DIEGO (KGTV) -- Like most people who’ve worked decades towards retirement, Danielle Schulte has some ideas on how she’ll spend it."Initially I’m going to sleep in late, read the newspaper, yes, I still read paper!”Schulte is an Employee Relation Specialist for UC San Diego and hopes to retire in about six years.While she's been saving since graduating college, Schulte wishes she'd saved more, especially watching the market plunge in recent days.“Because I am getting close to retirement, I don’t have as much comfort in giving it time to even out,” said Schulte.She hired a financial advisor 13 years ago and continues to fine-tune her plan, currently looking into annuities."He has been really good in helping me not to panic, helping me invest my money in stable securities as best you can, given the market," said Schulte.Dennis Brewster is a financial advisor for SagePoint Financial. He too says it's not the time to panic.“Right now we’re down about 10 percent, that’s normal, it’s just that we haven’t had anything for so long, I think that's what makes it a little tougher, we haven’t had any declines," said Brewster. "We’ve been spoiled a little bit the last few years, on average [the decline] is usually 14 percent a year.”However, Brewster says those looking to retire soon need to pay attention and plan ahead with their 401(k)."The last thing you want to do is get too aggressive going into retirement, so somebody getting closer to retirement should be concerned, they don't want to get too extreme but do want to be a little more careful because you don't have 30 years to make it up."Schulte remains confident in the groundwork she’s laid on her retirement plan and is hopeful she can turn off the alarm clock for good in six years.  1772

SAN DIEGO (KGTV) - It’s getting harder and harder to buy a home in San Diego. But according to Veterans United Home Loans, VA loans in California are surging, and they’re up 15 percent this year in San Diego.Navy veteran Robert Streets and his wife Corrie are part of that surge."There was a large cabinet that came out here, and we knocked that down," says Streets in his recently remodeled kitchen.The Streets are proud to show off their new home. After renting for years, they're first time home buyers as of July, purchasing a condo in the heart of North Park.RELATED: Making It in San Diego: Sailor gets proactive to find housing"I remember the first feeling that I got when we got our keys, and we got into the house, and I was like, 'Wow,'" adds Streets with a sense of relief. "I own this, and I can do whatever I want. I don't have to ask somebody if I can put a hole in the wall or hang a picture."While Millennials are struggling to buy in San Diego, Millennial Veterans are surging in home purchases, up 61 percent according to Veterans United with an average purchase price of almost 0,000. And for the Streets, it was made possible using a VA Loan. "They got all the paperwork together, all the legal stuff sorted out, and they actually made the condo VA qualified so that we were able to use our VA loan. Which wouldn't have ever been in here if it wasn't for that," says Corrie Streets.The Streets are far from alone. VA purchase loans in California are up 66 percent from 2013 to 2018."This is either the most financially advantageous path or, in some cases, it’s the only feasible path to homeownership," says Chris Birk.RELATED: Making it in San Diego: Millennials outpace Generation X in both total debt and long-term savingsBirk is Director of Education at Veterans United Home Loans. He says in some cases veterans and service members, if they qualify, can get a VA loan for no money down. The average 30-year rate for June was 4.2 percent, better than most conventional loans. "They don't have to build pristine credit,” adds “Birk. “And one of the biggest benefits is that so many veterans and service members aren't weighed down by student loan debt."And then there are vets like Wendell Stone. He and his wife Tessie rented for 30 years. That's when their daughter-in-law Aurora Perez, a realtor at Century 21, helped them understand they could qualify for a VA loan."They were able to purchase a home with my help in the Temecula area,” says Perez. "And then they were able to purchase another home in Oceanside and turn that into an investment property."Currently, there is a 0,000 cap on VA loans in San Diego County. But Perez says the laws are about to change and next year if a veteran or service member can qualify, there will be no cap for VA loans.Are you a veteran or service member in the market for a new home? Here’s your complete guide to the VA Home Loan. 2911

SAN DIEGO (KGTV) -- Many families throughout San Diego County are struggling due to the coronavirus pandemic, making the otherwise cheery holiday season less than ideal.Despite hard economic times, many throughout the region are finding ways to give back in 2020.Although volunteering may look different this year, there are plenty of opportunities to help out, from donating to food banks to fostering an animal.Feeding San DiegoNot only can you donate to help feed families, students, and seniors in need through Feeding San Diego, but your help also keeps the group's food distributions running and supports mobile pantries.And with ABC 10News, you can help us provide millions of meals to San Diegans during our Month of a Million Meals through Dec. 31. Last year, the campaign raised more than 5.1 million meals. Learn how you can help here.San Diego Food BankThe San Diego Food Bank has more than doubled the number of people it’s providing food assistance to during COVID-19. From mid-March through October, the organization distributed more than 37 million pounds of food. The food bank says all volunteer shifts have been booked through the fall, but you can still sign up to volunteer at a later date here. You can also donate money. The organization says for every given, 5 meals can be provided.Father Joe's VillagesHelp support Father Joe's Villages and provide aid to individuals battling homelessness in San Diego. Donations can help provide housing, meals, health care, and education to those in need locally. Anyone interested can donate money, goods, a vehicle, or their time to help. Learn more about how to help.The Salvation ArmyIt wouldn’t be Christmas without the famous Red Kettles. However, this year, the organization is taking its campaign online. With a few mouse clicks, you can help the Salvation Army support bill assistance, homeless shelters, and food pantries across San Diego. To donate to the Red Kettle Campaign online here.And despite the pandemic, The Salvation Army is asking volunteers to answer the call and become a Christmas Kettle Bell Ringer. Click here to sign up.San Diego Humane SocietyThe Humane Society has temporarily suspended its volunteer recruitment and onboarding due to the coronavirus, but that doesn’t mean you can’t give back. The organization is still accepting donations. Donations will help the group provide medical care, shelter, and food to homeless animals. Of course, pet adoptions are still running this season as well. You can also sign up to foster a pet. Visit the humane society's website to learn how to adopt or foster a pet, or donate.Red Cross San DiegoYou can also help the Red Cross San Diego's humanitarian and disaster relief efforts for those in need. Donations with help support safe shelters, hot meals, care, and comfort for people who have lost everything to a disaster.The Red Cross is also supporting the critical need for blood during this time. Click here to learn how you can donate blood.San Diego Blood BankThe San Diego Blood Bank is in need of volunteers to donate blood, especially during the holiday season. The bank aims to collect more than 350 units of blood each day in order to meet the needs of local patients who are battling life-threatening conditions. One pint of blood can save up to three lives. You can sign up for an appointment here. 3357

SAN DIEGO (KGTV) - If you owe San Diego County property taxes, the deadline to pay is not changing.The County Treasurer-Tax Collector’s office tells 10News state law governs when property taxes are due and payable.In a statement, a spokesperson for the department said, “The second installment of property taxes is due no later than April 10. State action would be required to change the date. Critical county, school, and local city financial obligations are dependent on property taxes. They fund essential public services, including coronavirus response.”Several local politicians have pushed for state officials to change the deadline to allow property owners to pay their taxes late without consequence.Last week, San Diego City Council President Pro Tem Barbara Bry wrote a letter to the governor asking him to consider an Executive Order directing all county treasurer-tax collectors to defer April 10, 2020, property tax payments until July 15, 2020. The letter states, “This is in line with the announcement that both the Internal Revenue Service and California Franchise Tax Board are postponing tax deadlines until July 15, 2020 due to the COVID-19 pandemic.”Assemblywoman Lorena Gonzalez has publicly asked San Diego County Treasurer-Tax Collector Dan McAllister to waive late payment penalties.“State law already allows Mr. McAllister to waive any fees and the 10 percent penalty for late payments on a case-by-case basis. I would urge him to use that power to relieve San Diego County’s homeowners and businesses of these penalties during this dire situation we are experiencing,” Gonzalez said in a statement to 10News.The California Association of County Treasurers and Tax Collectors posted a statement on its website stating that tax collectors have the authority to handle specific scenarios where a taxpayer cannot physically pay their taxes on April 10 due to quarantine, illness or closure of the tax collector’s office as a result of COVID-19. The statement continues, “In such cases, the Tax Collector will utilize their authority pursuant to Revenue and Taxation Code (RTC) 4985.2. to waive interest or penalties that would otherwise be imposed or collected with respect to a delinquent second installment of property taxes levied for the 2019-2020 fiscal year on residential real property.”The San Diego County Treasurer-Tax Collector’s office told 10News that McAllister has no authority to extend the April 10 deadline as outlined in state law. However, taxpayers unable to pay on time can submit a penalty cancellation request after the April 10 deadline. The department reviews these requests on a case-by-case basis, and general guidelines are provided on the request form. A spokesperson for the office said all property owners who can pay their taxes on time are encouraged to do so. This revenue helps keep the government running and provides vital services that the public relies on, especially in times like these. Taxpayers can pay online, via telephone or by mail. Using an e-check at sdttc.com is completely free. 3061

SAN DIEGO (KGTV) -- It's not unusual to collect Christmas decorations year-round, but using them to cover every inch of a late model Dodge Caravan is pretty unique.He's known to many as the "Christmas Man of San Diego," whose van conversion continues to turn heads and spark smiles — no matter the season or social distance."He's a trans-dimensional emperor of over a google-plex of universes," said Larry Bogaert, as he stands with his pet parrot, Emerald Eagle, on his forearm. "I'm his Prime Minister and his daddy."In his mid-60s, Bogaert is a man with a big imagination who loves to share tales, turning his late-model Dodge Caravan into a storytelling canvas."I have Peter Pan, Wendy, Tinker Bell and the Boys going to Never Never Land," Bogaert shares.Almost every square inch of his vehicle features his own hand-drawn depictions of famed children's stories, mostly from English literature."And then I have Fezziwig's warehouse here," Bogaert says, pointing to various images on the car. "If you remember Scrooge did his apprenticeship at Fezziwig's.""For some things, I have a plan in mind, but other things as I buy things or acquire things you think, Oh, I can use that on the castle," Bogaert says, pointing to the roof of the vehicle which is covered by a towering display of church-like spires and angels. The hood is plastered with its own 3-D display of a miniature snow-covered town. And the sides of the van are covered in paint pen drawings all by his hand.The vehicle is a head turner and as we talk to Bogaert a couple of bicyclists stop to take pictures. Bogaert waves: "Thanks!" he says, before turning back to our camera, "99.9% of the time people give me the thumbs up. I've even had cops drive by and give me the thumbs up."Though, Bogaert admits there have been a few tickets over the years concerning visibility issues. But the former bus driver insists he's very good at using his side mirrors. Besides that, his inspiring creation has proven a good defense."One time the judge threw it out of court because she said her kids loved my car. She said case dismissed," he recalls.Another woman stops by on foot, "I like it. I think it's a positive message and we certainly need that now more than ever."Uncertain times for many, and Bogaert can relate to the feeling."With the coronavirus going on you should see how many people cheer my car because it's just something uplifting during these times," says Bogaert. "I like to be optimistic with the car. I like to be optimistic for myself if I can be. But I do get depressed."Underneath a kaleidoscope of ornaments inside the van, there is a snug space, where Bogaert sleeps, as — for the moment — this is his home."I bought a grocery store up in Crescent City. I always wanted to live in the redwoods," Bogaert said.He says that business venture years ago didn't go as planned, and the financial ramifications remain. But he doesn't dwell, as he focuses attention on another part of the van.After all, he and Emerald Eagle have a "google-plex of universes" to run. And they are, apparently, ever-expanding."I am adding more towers and a few more parts to it. I have some stuff inside that will go on in the next week or few days," said Bogaert. 3229

来源：资阳报