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SAN DIEGO (KGTV) - The cycle of debt is something a lot of people are desperate to break. One of the biggest challenges is keeping up with credit cards, payments and beating the interest rates. Now, a San Diego startup is offering people an opportunity to make purchases on items they may need for themselves or their families, without interest rates, credit checks, or penalties. Marc Schneider is the CEO of Zebit, an online shopping site designed to help people facing financial hardships, get on track, make payments and get what they need. “We’re trying to provide sort of an Amazon for the under-served,” said Schneider. RELATED: San Diego Workforce teams up with UCSD Extension to offer student loan alternativeWhile growing up, Schneider and his family faced financial struggles of their own. “I’ve supported my mother since I was 15 years old. I grew up in a mobile home with a separated family. Ended up being homeless on food stamps,” said Schneider. Now, Schneider is a successful entrepreneur, with Zebit hitting million in 2017, and million last year. “Zebit was built to change how consumers get access to credit, to give them a fair deal and have zero gotchas,” Schneider said. In order to make purchases on Zebit, you first need to create a profile which includes providing your current employment status and driver’s license. The company then uses that information to verify your employment and determine how much of a Zebit line you will receive. The Zebit line is similar to store credit or having a credit card, but without the interest rates and penalties and with the chance to make payments for purchases over a 6 to 12 month period of time. RELATED: Realtors expect busy spring for buyers and sellersFor example, a MacBook Air on Zebit may cost around ,273. The may break down to 8 upfront with 12 payments of a month. A five-piece dining set may cost around up front, with monthly payments around dollars.“We’ve heard stories like you save my Christmas, my daughter wouldn’t have had a birthday present if it wasn’t for you, I couldn’t get married because I didn’t have a way to finance an engagement ring,” said Schneider.Some of the items on Zebit can cost 5 to 10 percent more than some items on Amazon, however the company still stresses that their interest-free model and competitive prices makes it a great shopping experience that was designed with people who may not a lot of money, or struggle with credit card payments and interest rates. “I wanna build a big company that makes an impact on a consumer base, a consumer base that tends to be invisible that tends to be neglected and a consumer base that tends to really rip people off over time,” said Schneider. Schneider hopes his company will help others break their own cycle of debt. 2808

SAN DIEGO (KGTV) — The Martin Luther King Jr. Community Choir San Diego has filled the community with music, funded dreams, and kept African American history alive for three decades.The group started with a local alliance of ministers from different denominations who came together for an annual concert to raise funds for students aspiring to a career in visual and performing arts, according to the choir director Kenneth Anderson."I think they are woefully undervalued in our country the power of art and how it can connect and communicate and bring people together when we're so driven apart," 20-year choir member Dale Fleming said.In 1990, the singers decided to created the MLK Community Choir so they could sing year-round.Andersen said, "It was non-audition but somehow all of these different timbres and levels of musicianship come together to make a beautiful sound."The religious tone of the group has changed over the years. "Some don't really believe at all but we all believe in the power of music," Fleming said.They still sing gospel, and write their own hymns to keep Black history alive."A majority of the spirituals that survived were code songs. When they sang about leaders in the bible, especially Moses, but Jesus and God, that was code for Harriet Tubman," Anderson explained.The group has flourished, touring through seven countries, creating and selling CDs, even singing for Pope John Paul II at the Vatican in 2004. You may have also seen them at December Nights."He was alive the next year but not well enough to come out, so we ended up being at his last Easter mass," Anderson said.The next time they perform is at 7 p.m. on Feb. 22 at St. James by the Sea in La Jolla. 1709

SAN DIEGO (KGTV) — The military poured .1 billion into San Diego's economy, according to the Military Economic Impact Study released Thursday.The figure higher than expected, according to Executive Director of SDMAC Mark Balmert, due to more ships stopping in San Diego and more sailors and Marines coming to the region.The author of the report, Dr. Lynn Reaser, said these numbers back the idea the military is a mega-industry. She noted San Diego is home to one in every six of the nation's sailors.The study's results were announced across the bay from Naval Air Station North Island, at the Harbor Drive Annex. Mayor Kevin Faulconer was among the speakers and drove home the message: Don't take our military for granted."Those dollars are really going to help every portion of our city," Faulconer said.The focus of this year's study surrounded NAVWAR, Naval Information Warfare Systems Command. The Navy communications headquarters used to be known as SPAWAR. "The new plan is to develop those 70 acres into a technology hub with the NAVWAR headquarters at its center and that will change the Midway District. It will be wonderful for San Diego and it's wonderful for the Navy," Balmert said. "What that's going to mean for our national security for our entire country but also to connect the airport to the trolley," Faulconer added. NAVWAR produced billion in gross regional product and houses 26,000 jobs, according to Balmert, who described the jobs as, "among the better jobs in our community they're high tech jobs, high paying jobs."The study states more than four-fifths of the workforce hold at least a four-year college degree. About two-fifths hold a Master's or Doctorate degree.Reaser said those jobs are secure and will grow, "two-thirds of NAVWAR's employees work in cyber security which is a major emerging cluster in the overall county."Balmert said the future looks brights for San Diego's military growth. He said in the next five years we will double the amount of submarines at Point Loma and add another aircraft carrier to our home port. San Diego has two carriers that home port here, and one is currently ported. The USS Abraham Lincoln is coming back and will dock by the end of the year. 2233

SAN DIEGO (KGTV) - Sure thousands of San Diegans can't go a week without eating avocado, but how well do they truly know the magical fruit?Enter The Cado, a pop-up experience coming to Liberty Station this summer and offering a unique look at California's favorite food.Tickets must be purchased online ahead of time and are offered in limited quantity. Tickets are and children under 3 years old are free. Wednesday's will offer special family pricing. RELATED: Produce proposal? People using avocados to proposeGuests will be taken on an hour-long tour into what makes avocados so delicious and special to California. Exhibits will build upon each other, immersing visitors into the pit of avocado fun."Built out of 16 shipping containers fused together to create an expansive mobile structure, you’ll walk into our lobby and be fully immersed in a story as each exhibit builds on the one before," organizers say. "Get ready to see the California Avocado in a new light as you walk through the skin and into the fruit."Special avocado-themed tastings are also planned and organizers promise The Cado will be ripe for photography.The pop-up museum will run on select days from June 16 to July 15. 1254

SAN DIEGO (KGTV) - Sure thousands of San Diegans can't go a week without eating avocado, but how well do they truly know the magical fruit?Enter The Cado, a pop-up experience coming to Liberty Station this summer and offering a unique look at California's favorite food.Tickets must be purchased online ahead of time and are offered in limited quantity. Tickets are and children under 3 years old are free. Wednesday's will offer special family pricing. RELATED: Produce proposal? People using avocados to proposeGuests will be taken on an hour-long tour into what makes avocados so delicious and special to California. Exhibits will build upon each other, immersing visitors into the pit of avocado fun."Built out of 16 shipping containers fused together to create an expansive mobile structure, you’ll walk into our lobby and be fully immersed in a story as each exhibit builds on the one before," organizers say. "Get ready to see the California Avocado in a new light as you walk through the skin and into the fruit."Special avocado-themed tastings are also planned and organizers promise The Cado will be ripe for photography.The pop-up museum will run on select days from June 16 to July 15. 1254

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