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As you head to the stores for your back-to-school shopping, you may get suckered into buying items marked down as a sale. But there are a few things you should know before shopping if you want to save money.Jeff Kreisler, editor and chief of People Science, says in order to be a smart shopper, you have to pay attention to the "decoy price."“If something has three different versions," explains Kreisler. "The top version is too expensive, the bottom version is too cheap, and because we don’t really know how to value it, we chose what’s in the middle.”That middle item is not always the best deal. Also, don't get suckered into buying the newest item, which is usually overpriced. 712
Attention homeowners: if you haven't refinanced in the past year, you may want to think about it.Mortgage rates have dipped to a new low for the 11th time this year.This time, they're at the lowest point they've been since Freddie Mac started tracking rates almost 50 years ago.The national average for a fixed 30-year mortgage is 2.8%, and 2.33% for a 15-year mortgage.That's great news for people who are already in homes and want to stay there, but it won't help most buyers.Home prices are up an average of 15% over last year, as the inventory of available homes continues to fall. 593
As the debate over police defunding wages on in parts of the country, officials in Albuquerque, New Mexico have found a middle ground.Mayor Tim Keller recently introduced a plan to strip the police department of million each year to help create and fund a new department that would respond to certain 911 calls instead of police.He says the city is the first in the country to do this."It’s a public health approach to public safety,” said Keller.The new department would consist of service workers, public health personnel, and specialists who would respond to calls related to homelessness, mental illness, and drug overdoses."For modern history, every city has said we’ll either send police or fire,” said Keller. “It’s about restructuring, institutionally, how we respond.”"We’re not the experts. We go over there and a lot of times our officers don’t know what to do,” added Albuquerque Police Chief Michael Geier.Geirer says the introduction of the new department comes as a relief. His police department is already short-staffed with officers, so handing these calls off to specialized personnel would not only help his department but the public.“We’ll be able to handle the higher-priority calls, and then our response time, and our community engagement," he said. "There will be more trust in the community.”Greier says, to a degree, the Albuquerque Police Department has already started delegating certain calls to the fire department and it has spared officers from responding to nearly 15,000 calls in just the last few months--many of which could keep an officer on scene for hours.“We want to get past responding to the symptom of the root cause,” said Albuquerque Chief Administrative Officer Sarita Nair. “We want to get down to that root cause and start addressing issues there.”Mayor Keller says the move to create the new department was only made recently, so there will be substantial planning and public input before it actually goes into effect. 1979
AZUSA (CNS) - A 36-year-old homeless man, who authorities believe to be violent, is wanted by authorities for questioning Friday evening "in connection to starting" the 1,500-acre fire burning in Azusa, which investigators have determined to be arson.Osmin Palencia's last known residence is an encampment in the Azusa Canyon Riverbed, near the start of the Ranch 2 Fire, according to the Azusa Police Department.The Ranch 2 Fire was reported about 2:45 p.m. Thursday near North San Gabriel Canyon Road and North Ranch Road, according to the Azusa Police Department and Los Angeles County Fire Department, which called in a second- alarm response.A witness who lives in a riverbed near Mountain Cove told NBC4 an argument between two homeless men sparked the fire."There were two gentlemen in the back (of a homeless encampment) fighting and they were arguing over a bike and one guy said he'd burn the other guy out, and things got escalated to where the fire started," evacuee Jimmy Pockets told the station."Ran over to try to put it out but it just took off so quick."The blaze was 0% contained and had blackened about 1,500 acres as of 4:50 p.m. Friday, according to the Angeles National Forest. Fire officials had initially reported the blaze burned 2,500 acres, but firefighters updated the number after they "were able to more accurately assess fire size and map the area after the smoke inversion lifted" Friday afternoon.Residents in the Mountain Cove area of Azusa were allowed to go home Friday morning after evacuation orders were lifted because the blaze, re-named the Ranch 2 Fire, was no longer burning toward homes, according to Daniela Zepeda of the U.S. Forest Service."Firefighters did a really good job securing the perimeter of the fire closer to homes," Zepeda said. That is despite having an army of just 100 firefighters and waiting for reinforcements.Winds had calmed down to 5-10 mph with gusts up to 15 mph and relative humidity was 31% but extreme temperatures of 105-108 degrees were forecast, Zepeda said.Visibility in the area is a quarter-mile to a half-mile due to smoke, which makes it hard to get people to the remaining flames and the remaining fire is on terrain that is steep and difficult to access, she said.The name of the blaze was changed from the Ranch Fire to the Ranch 2 Fire to avoid confusion with the November 2019 Ranch Fire near the Mendocino National Forest and the July 2018 Ranch Fire that was part of the Mendocino Complex Fire, Zepeda said.Anyone with information about Palencia's whereabouts was encouraged to contact the Azusa Police Department at 626-812-3200. 2628
At least two protesters were struck by a vehicle toward the end of a protest in Bloomington.Protesters had gathered to demand arrests following a weekend incident at Lake Monroe where several people pinned a man in an apparent attempted lynching.The incident happened around 9 p.m in Bloomington near the Monroe County Courthouse as the protest was wrapping up.Hundreds of people had been taking part in a rally and protest march through Bloomington following an alleged racist attack at Lake Monroe where several men attacked and apparently attempted to lynch Vauhxx Booker, a Monroe County Human Rights commissioner. 626