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EL CAJON, Calif. (KGTV) — A beloved visitor center and community "treasure" designed by a famed artist is routinely being turned into a trashed party pad.The small building, dubbed the Hubbell Kiosk, is located in the Crestridge Ecological Reserve. Designed by famed artist and architect James Hubbell, the partial build was destroyed by the Cedar Fire in 2003. The wood, clay and straw-filled project was rebuilt several years later.Then last month, Lands Manager Kyle Smith discovered a smashed skylight and a mess inside."Vomit, beer bottles, drug paraphernalia. It looked like a war zone went off," said Smith.The scene they left behind, including wrecked displays and broken chairs, has become a familiar one.Video surveillance has captured the party goers in five break-ins since early August. Some of the faces appear to be repeat revelers.The break-ins leads to thousands of dollars in repairs and extra security precautions. Endangered Habitats Conservancy, the non-profit that oversees the site, hopes someone will recognize the photos of the vandals. Smith has a message for the party-goers."You're not welcome here. Go party somewhere else," said Smith.If you have any information, you're asked to call the Alpine Sheriff's Station at 619-659-2600. 1272

Economic uncertainty may be roiling the country right now, but that’s not stopping home sales. In some areas, like the suburbs of New York City, bidding wars are back. In July, one house in Orange, N.J. had 97 showings and 24 offers, according to the New York Times.That same month, .3 billion worth of residential real estate sold in the suburbs of Washington, D.C., according to the Washington Post, compared to .2 billion the year before—demonstrating just how much demand there is in some parts of the country. That demand has caused median home prices to spike. Prices in September are 13% higher than they were the same time last year, the largest increase since 2013, according to real estate listing firm Redfin.“We are seeing really interesting trends emerge from COVID that are causing demand to change to an all-time high at the same time that the supply of availability is at an all-time low,” says David J. Wilk, assistant professor of finance and director of the Real Estate Program at Temple University’s Fox School of Business.That means a lot of homes, especially those close to big cities, are suddenly worth a lot more. For homeowners, it’s an envious position: Their equity has bloomed. But what should they do with it? Here are three options.1. Sell Your HomePrices are high, so it’s time to sell, right? As with everything in real estate, it depends.Selling might be the right move for older homeowners who are looking to downsize to a smaller house, a condo or 55+ living. It also may be ideal for homeowners interested in moving to a lower-priced housing market—if the timing is right, and you absolutely know where you want to go.Dottie Herman, CEO of Douglas Elliman, a Manhattan brokerage firm, says it’s also not a bad time to cash out of the ‘burbs to make a city move if you’ve wanted to do so—especially to Manhattan, where sales were sluggish this spring and summer. “If you really love New York City and you believe as I do that it will come back, it’s a great time to buy in the city,” she says, adding that it might be another three to four years before prices rebound.Beware: Your New House Also May Cost MoreIf you want to stay in the same area, a jump in your home’s price most likely means the house you want has made the same leap.You can still consider trading up, especially if your lifestyle has changed because of the pandemic, and you anticipate it staying somewhat altered when we’re on the other side of it. That may mean more people in the house more of the time—and the need for the space to match. “If you can work from home and you don’t have to commute every day, then that drastically changes your decision matrix,” Wilk says.Falling Interest Rates Can Make a Move Make SensePlus, with interest rates for 30-year mortgages at record lows, getting a bigger mortgage now might make sense in the long term. Just make sure you can still afford the payments and aren’t necessarily banking on that home also becoming a big pay out down the road because the housing market is cyclical and eventually will fall down again.“Rushing to sell your house or buy a house because of the short term isn’t a prudent move,” says Danny McAuliffe, CFP, wealth advisor and head of planning at Perigon Wealth Management. “Making decisions based on what you can afford and make sense for you and your family, that is going to be a better situation for the long term.”If you’re thinking of making that high- to low-cost market move, Herman warns that you should at least live in the place first by renting to see if you really like it. This is especially true for seniors who dream of ditching colder climates for warmer places.Not only does it make sense to get a feel for the area in which you want to live that you can’t achieve while on vacation, but you also will learn if you have the temperament to be away from family for so long. Otherwise, you’ll cash out now and have to buy back in—and who knows what the market will be like then.2. Have Your Home Appraised to Ditch Mortgage InsurancePrivate mortgage insurance (PMI) is usually tacked onto your monthly mortgage payment if you put down less than 20% on the property when you purchased it. PMI is there to protect lenders in case you walk away. But if your home is suddenly worth more, you may hold enough equity to request to have PMI cancelled.To do this, you need to show lenders the home has increased in value, which means paying for a home appraisal. Those typically cost between 0 and 0. Meanwhile, PMI typically costs between 0.05% and 1% of the loan amount annually, which means the appraisal will pay for itself.If you’re staying put, you should also reassess your insurance to make sure it matches what your home is now worth, says McAuliffe. That’s because a policy based on a lower price may not cover the current value of the home, should the worst happen and you need to rebuild.“Specifically you want to make sure that the dwelling coverage in your homeowners policy is sufficient to rebuild your home if something catastrophic were to happen,” he says, adding that these policies typically exclude earthquake and flood insurance.3. Take Equity OutWith interest rates so low, taking some equity out is another option. You can use that money to make renovations to your current home—which may be tax deductible, says McAuliffe—or pay off high interest credit card debt—as long as you don’t then rack up debt on them again.You can take equity out in several ways, including through a home equity line of credit (HELOC) or a cash-out refinance, where you pull the equity out in, well, cash. Homeowners at least 62 years old also can take out a reverse mortgage, which lets them borrow from their home’s equity.Herman says money drawn from equity could be used to buy another property, either as a second home, or to rent out. But only think about becoming a landlord if you have tolerance for it and can cover the mortgage in the case the property is empty between tenants, or tenants stop paying.Just make sure that you aren’t taking all of the equity out. People who got in trouble in 2007 and 2008 “pulled all of their equity out,” Herman says. “When prices dropped, they were stuck because they had used all the equity up in their home for something else.” So don’t press your luck and strip your house of all its old and new equity, or else you may wind up with a house worth less than what you owe on it. 6432

EL PASO COUNTY, Colo. -- You can't even step foot inside Paul and Jenny Fisch's home without wearing a breathing mask. Their dream home was destroyed after they thought the house was sold."I mean, there was just no words... the feces and the urine spread all over our white cabinets, all over our hardwood floor, it was even on the ceiling - 10-foot ceilings," said Jenny Fisch, the homeowner.The Fischs put their home on the market for 0,000 and the first offer they received was for full asking price. They were elated but there was a catch, the buyers wanted to rent the home with the promise they would close in three months."We were told these people were 100 percent qualified, there was no question about it," said Jenny Fisch.Everything seemed to be fine and they had no reason to doubt the offer. The realtor drafted up a contract with information about the loan and a closing date of January 31, 2018. The deadline came and went without the buyers closing on their home even though they were already living in it."What do we do? The only thing we have left to do is start an eviction," said Paul Fisch.The couple even attempted to work out a new deal with the would-be buyers so they could continue renting and eventually purchase the home. The buyers stopped paying rent and they had no choice but to evict them. It wasn't a quick process. Paul and Jenny Fisch weren't prepared for what they were about to find when they showed up to their home with a sheriff's deputy to finally kick the people out."When she walked out her face was like, 'it's bad," said Paul Fisch.Floors were covered in urine, there was feces everywhere and the smell was overwhelming. The house was absolutely filthy and completely trashed."And I lost it, I just lost it. I was like, 'I don't understand why we have to go through this.' I mean we hired people and now my beautiful dream home is covered in feces and I don't know how we're going to fix it," said Jenny Fisch.The buyer was pre-approved for a loan but only if he completed a program and improved his credit score. The lender said that never happened. This information was not made available to the Fischs and they only found out after the deal fell through.The couple said their agent and the buyer's agent assured them everything was good when they agreed to let the buyers rent. RE/MAX, the buyers realtor, said through a spokesperson that realtors don't qualify buyers and it is up to the lender."It's their fault and nobody wants to help us," said Jenny Fisch.The Fischs tried to filed a report with the El Paso County Sheriff's Office but they were told it was a civil matter. They also attempted to contact Child Protective Services because a child was in the home as well as animal control because seven dogs and three cats were found inside.It gets worse. Their insurance won't cover the damage. A spokesperson for Auto-Owners Insurance said they had no comment on the situation.Now the couple is paying a mortgage on a home they can't live in and trying to figure out how to come up with the funds to pay for repairs. The would-be buyers are nowhere to be found and a reporter has not been able to make contact with them."It was insane to me how somebody could live in such a nice home and in a matter of months, destroy everything," said Paul Fisch. 3362

Dr. Fauci discusses distributing the coronavirus vaccine to the public and returning to "normality": "If you're talking about getting back to a degree of normality, which resembles where we were prior to COVID, it's gonna be well into 2021. Maybe even towards the end of 2021." pic.twitter.com/FHhdWhSsFb— MSNBC (@MSNBC) September 11, 2020 347

EL CAJON, Calif. (KGTV) - The grieving mother of an accused thief filed a lawsuit Thursday against the homeowner who shot and killed her son.The civil suit identifies the homeowner as Michael Poe, and it stems from an incident in the early morning hours of March 11. Police say the homeowner woke up to the sound of glass breaking. He went outside and found someone breaking into his work truck. He told police there was a confrontation and he shot the thief.RELATED: Confrontation between?homeowner, suspected thief ends in deadly El Cajon shootingJoseph Mercurio was man killed. His mother Monika Anderson says Joe had a drug problem but was doing his best to stay sober.“He was on Suboxone, a drug to stay sober, and someone had stolen his Suboxone,” Anderson said. “Although it's really hard for me to imagine my son at  31 years of age would just start stealing, but I think he was just desperate for drugs and in a lot of pain. I don’t think he deserved to die over that.”Police are investigating the incident and no criminal charges have been filed. Anderson’s attorney, Dan Gilleon, says that investigation should not affect their civil lawsuit.“The bottom line is Joe shouldn't have died and at a minimum its because this guy didn’t act reasonably,” Gilleon said. “This is not the Wild West. If you decide to play that gunslinger role, then you’re going to end up losing everything you own.”The lawsuit does not specify an amount.“It’s like a mother’s worst nightmare,” Anderson said in tears. “I told Joe, time and time again how much he meant to me.”10News has tried to make contact with Poe several times since the shooting happened, but have not heard back.   1715

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