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POINT LOMA, Calif., (KGTV)— Rainy conditions did not deter thousands of people from participating in the Second Annual Walk Against Hate-San Diego. “I walk for peace and for equal rights for people,” a pre-teen participant said. Three thousand five hundred people joined the Anti-Defamation League’s biggest event of the year, walking to show that San Diego is no place for hate. “Especially in the aftermath of something that is so tragic happening to our community,” ADL-San Diego’s Director of Development, Lindsey Zipkin said. Still fresh in the minds of participants is the Poway Synagogue Shooting on April 27, 2019. Zipkin said there was a huge jump in registration, right after the tragedy.“It gives people a really great way to come together to support one another and to celebrate diversity and respect. And really show that this is really what San Diego is about. No place for hate and not that terrible things that just happened to us,” Zipkin said. 10News also spoke to 15-year-old Nadiv Meltzer, who said the incident opened up a serious dialogue at home. His father, Rabbi Scott Meltzer, talked to him about overcoming bias and hate. “I think it’s not ideal that we needed such as an exhibition of hate and violence to get people together, but I think it’s important that people do get together,” Meltzer said. Together they walked, in the name of love and inclusivity.“Understanding that things like that can happen, but it’s our job not to let that stop us from expressing ourselves religiously or being who we actually are," Meltzer said. "I think that’s really important,” 1600

PALA, Calif. (KGTV) - A North County family lost everything in a fire but their dog, thanks to a man who ran into a burning home. Firefighters yelled at Jose Guzman to stop as he ran past them into the house in Pala this week. "When I ran through curtain of fire where my van was and fence, I didn't know what was behind that, decided to come here anyways,” said Guzman. Guzman didn’t care about belongings; he wanted to save his pit bull, Gabbana. "I knew my dog was here, I knew she was here,” he said. “I ran through here tried to stay in the middle this was going, this was on fire, couldn't see anything." Gabbana was hiding behind the toilet. "All I wanted was to get my dog, I came in here, I didn't hesitate, I just, I had to get her, she's part of the family." Guzman, his wife, and two daughters had only lived in the home two months. "There's nothing that survived, nothing, all our savings were here." Guzman managed to save what mattered. "Me and family would've been destroyed, we love that dog, I'm sure there's people that would do the same thing,” Guzman said. While firefighters caution against untrained people running into fires, Guzman's rescued had a happy ending. No one was hurt and the community is helping the family through GoFundMe. 1268

People who care about their credit scores tend to obsess about some things they probably shouldn’t, such as the possibility they might have too much credit.Let’s bust that myth right upfront: The leading credit scoring formulas, FICO and VantageScore, don’t punish people for having too many accounts. And right now, having access to credit could be a lifeline.In June, the median duration of unemployment was nearly 14 weeks, according to the U.S. Bureau of Labor Statistics. “Median” is the halfway point, which means half of the unemployed had been out of work longer. After the Great Recession, the median length of unemployment peaked at 25 weeks.Most households don’t have enough emergency savings to get through extended unemployment. Access to credit ultimately could be what staves off eviction, keeps the lights on and puts food on the table.Obviously, you can have too much credit if it would tempt you to spend recklessly. And the more accounts you have, the easier it might be to forget a payment — which can be devastating to your scores — or fail to detect signs of fraud.But that doesn’t mean you should worry about applying for the credit you need in the misguided notion that having too much credit is bad for your scores.“It’s not about the number of accounts,” says Ethan Dornhelm, FICO’s vice president of scores and predictive analytics. “It’s about how those accounts are handled.”It’s not how many cards, but how you use themBefore the advent of modern credit scores in the 1980s, lenders did worry that people who had access to a lot of credit would suddenly run up big balances, then default, says credit expert John Ulzheimer, who formerly worked for FICO and for Equifax, a credit bureau. But data scientists have since learned otherwise. People who had been responsible with credit in the past tend to continue being responsible.“I’ve got a gajillion credit cards,” Ulzheimer says. “I could charge up every single one of my cards tomorrow, but I’m not going to do that.”Although you can’t have too much credit, you can have too much debt. Having big balances relative to your credit card limits, or a bunch of cards with balances, can definitely hurt your scores, credit scoring experts say.“There’s no right number of credit cards,” says Jeff Richardson, senior vice president marketing and communications at VantageScore Solutions. “But if you have 22 cards and they all have balances, that can add up.”Even small balances and balances you pay in full can be problematic. Credit scoring formulas consider how many of your accounts have balances and how much of your credit limits you’re using, among other factors. The scoring system uses the balances reported by your creditors, which are generally the amounts from your last statement. You could pay those balances off promptly, but they still show up on your credit reports and affect your scores.Credit-building strategiesIf you’re trying to polish your credit, Ulzheimer recommends using one or two credit cards and not charging more than 10% of their limits. That may require making more than one payment each month to keep the balances low or asking issuers for higher credit limits.If you do use more than a couple of cards, paying the balances off before the statement closing date will typically result in a zero balance being reported to the credit bureaus, and that can be good for your scores.Be careful about canceling unused cards, however. Closing credit accounts can hurt your scores, since it reduces your total available credit. If you’re concerned a lender might close an unused card, you can use it occasionally and immediately pay off any charges so you have a zero balance on the statement closing date.If your credit scores are already high, however, Ulzheimer questions how much effort you should invest in making them higher. Once your scores are over 760 on the commonly used 300-850 scale, you’re getting the best rates and terms lenders offer.Another thing people worry about, but probably shouldn’t: inquiries. Applications for credit typically have a minor impact on your scores and any impact fades within a year. But Ulzheimer says people are often convinced otherwise.“It’s crazy how many questions I get about inquiries, and they are so meaningless in the grand scheme of things,” Ulzheimer says. “People love to obsess about little things that don’t really have a whole lot of influence.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: How to Travel Safely, and How to Handle Old DebtsTransition From Work-at-Home Novice to ProCan You Really Trust Your Payment App?Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4764

OTAY MESA, Calif. (KGTV) - Eight border wall prototypes constructed in South San Diego County are in the process of being dismantled Wednesday, according to Customs and Border Protection officials. "At this point, we have learned a lot from them, but we don't necessarily have a purpose or use for them anymore, and we will be bringing them down," a CBP official told CNN. RELATED: EXCLUSIVE: Candidate describes border wall prototype “Those are not things that the [congressional] language necessarily precludes and they're items that we have been able to add to our tool kit," added the official. The prototypes, which stand 30 feet tall, are in the path of the secondary border fence project, a Border Patrol source told 10News. The Department of Homeland Security hired companies to build the prototypes, which were finished in October 2017. Over two months, Customs and Border Protection officials tested the walls using power tools, hand tools, and other methods. The CBP evaluated the prototypes to determine if anyone could get through by climbing or digging. RELATED: Photos: A look at the border wall prototypes Some reports have suggested the prototypes didn't do well in tests conducted by breaching experts, though the results haven't been made public, CNN reported. None of the companies that built the prototypes are currently building portions of the wall on the southern border, according to a CBP official.CNN contributed to this report. 1463

Police in Massachusetts shared some friendly advice on Facebook for any crafty criminals: Don't make your own license plates at home.The Hopkinton, Massachusetts Police Department shared a photo of a car they'd recently pulled over that was sporting a rear license plate that was made using cardboard and markers. 326