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RAMONA, Calif. (KGTV) - The San Diego County Sheriff’s sex crimes task force is investigating reports of a Ramona family who offered free train rides to families at their home, despite the presence of a registered sex offender.The Green family’s miniature railroad was years in the making. Recently, the family invited the Ramona community to visit the property.However, the Megan’s Law website reports 45-year-old Christopher Green, who lives at the home with his parents, is a registered sex offender. His convictions include lewd acts with a child under 14, the Megan’s Law site indicates.10News went to the Greens’ home to ask why the family didn’t let the public know about their son’s background. Green’s father would not go on camera but said his son has paid his dues, the incident was in the past, and the family is moving on. He added there would be plenty of supervision at the holiday train rides and said there’s more to his son’s conviction than meets the eye. Green’s father also said his son has a learning disability.The Sheriff’s Department issued a statement which reads in part, “The sexual assault felony enforcement task force was made aware of the event and has opened an investigation. We will be taking measures to keep the community in Ramona safe for this event.” 1298

Residents of a hospice in London woke up Sunday to a pleasant and sweet-smelling surprise: the flowers that surrounded the Duke and Duchess of Sussex on their wedding day.The donated flowers, which adorned both St. George's Chapel and St. George's Hall in Windsor on Saturday, were designed by Philippa Craddock and a team of florists from Buckingham Palace and Windsor Castle.The bouquets were made up of foxgloves, peonies, and white garden roses, many of which were sourced from the gardens and parkland of the royal-owned Crown Estate and Windsor Great Park.Kensington Palace confirmed that the flowers were donated to a number of charities and hospices. One recipient was St. Joseph's in Hackney, east London. "To see the faces of the patients when they received the flowers was just fantastic," hospice spokeswoman Claire Learner told CNN.St Joseph's has a long history of royal connections, having been visited by Queen Elizabeth II, Princess Diana and, most recently, Prince Edward, who toured the grounds in 2015, the hospice said.The ties to the royal family do not stop there. Pauline Clayton, an 89-year-old patient, once worked as an embroideress to Norman Hartnell, one of the Queen's dressmakers.She revealed that aged just 19, she worked for almost 50 hours on the train of the Queen's own wedding dress, according to the UK's Press Association.Clayton added that she thought the gesture to donate the flowers was "lovely."For Father Peter-Michael Scott, the hospice's lead chaplain, the gesture signified something altogether more fundamental."It is about the energy of love. We are absolutely thrilled by the flowers and wish them (Harry and Meghan) all the best for the future," he also told PA. 1732

Record unemployment rocked the real estate market. Now, interest rates are at record lows, giving many people a new way to save money by refinancing their current mortgage.Matthew Garcia, a senior loan officer with Supreme Lending, says now is a good time to refinance your home. "Absolutely. I mean, you’re looking at interest rates being at the most historic rates they’ve ever been. Rates have been in the 3% ranges before but now you’re seeing 30-year loans getting into the upper twos and middle twos, which is completely insane," said Garcia.Garcia says the industry is going through a refinancing boom that it hasn't seen since a few years after the Great Recession. Refinancing your mortgage, or essentially restructuring your current home loan under a new, lower interest rate, can be done for a couple different reasons."There’s two main types of refinancing you can do. There’s what’s called rate term refinance which means I’m simply refinancing the balance from any closing costs I might have and dropping the interest rates. That’s what called Rate Term, taking no additional cash out. Then there’s also cash out. Cash out refinances tend to be a bit more expensive. When I say more expensive, I mean the rates are slightly higher, more expensive in cost structure," said Garcia.For cash out refinancing, home owners who have likely owned their property for at least four or five years, are refinancing to take the extra cash from the increased equity in the home, and invest it in renovations or elsewhere."Where people can get into more danger is, they're taking out money because they want to go out and invest in other investment properties, go use that money to go out and buy other homes, speculate. That’s where it gets a bit dangerous. A lot of folks start watching their HGTV and think they're the expert and they're going to tap into this equity and go and do these things. There’s a lot more to it," said Garcia.Garcia says the last thing people want is to end up with two failed mortgages. He says the best reasons to refinance is debt consolidation or if it will save money in the long run.Josh Stech, CEO and co-founder of Sundae, a company that helps people with homes in bad condition get their properties sold, also says it's a good time to refinance because of how great the real estate market was doing before the COVID-19 pandemic."Rates are really low but also equity in homes was really high. We hit historic highs heading into the pandemic in terms of the amount of equity that homeowners have in their homes. Basically, the value versus the mortgage that they owe," said Stech. As for how long interest rates will last, Federal Reserve Chairman Jerome Powell has said they could be around for years. Sheck says, there's a chance interest rates could go even lower but there's already so much demand to refinance and banks can only process so many."I think as the fed is targeting a longer term near-zero interest rate environment, I think actually if you maybe wait a little bit you might play the game and win and get a lower interest rate because of the supply and demand I mentioned. I think it's a great time. It's hard to argue with record lows you haven't seen since 1971," said Stech.Experts recommend people who are considering refinancing to talk to a loan officer or financial advisor to make the best decision for their situation. But, if it's something they're interested in doing, to look into it while the rates are as low as they are. 3495

Price gouging continues to be a problem for Amazon shoppers, according to the U.S Public Interest Research Group (PIRG).A consumer watchdog says the price spikes are not based on normal supply and demand.“People are really struggling right now, and the last thing that they need to worry about is going to the store or going online and finding the products that they really need to keep themselves safe at ridiculous prices,” said Grace Brombach, a consumer watchdog associate with U.S. PIRG.U.S. PIRG found a wide range of products can cost two to 14 times more. For example, disinfecting wipes cost nearly on amazon, compared to about at other stores.They suggest making sure you know the average price and shopping around.As part of the HEROES Act, Congress passed price gouging legislation.Some states have bills to further define emergency products to fight price spikes. Still, U.S. PIRG expects this problem to continue.“We see situations like this come up in hurricanes and tornadoes, when people need to buy space heaters and electric lamps,” said Brombach. “And so, this will continue to be a problem going into the future if we don't address this issue now.”Early on in the pandemic, Amazon removed thousands of listings and third party sellers from its website for suspected price gouging.In August, Amazon said it was working to maintain its “fair pricing policy” while taking reasonable increases into account. 1439

President Donald Trump will meet Secretary of State Mike Pompeo on Thursday as the White House struggles to contain a spiraling crisis over a journalist's apparent death at a Saudi consulate.Trump stressed Wednesday that he does not want to abandon Riyadh as it comes under increasing pressure to explain the disappearance of Washington Post columnist Jamal Khashoggi, who has not been seen since entering the consulate in Istanbul, Turkey, on October 2.Trump denied that he was "giving cover" to Saudi Arabia, insisting that he wants to get to the bottom of what happened."I want to find out what happened, where is the fault, and we will probably know that by the end of the week. But Mike Pompeo is coming back, we're gonna have a long talk," he said. 767