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EL CAJON, Calif. (KGTV) - An El Cajon police officer's encounter with a group spray-painting graffiti ended in remarkable fashion early Wednesday morning.Sgt. Mike Murphy was on patrol around 2 a.m. when he got a radio call reporting people in dark clothing tagging along Heart Drive."Saw three males with dark clothing. Hit them with a spotlight and told them to have a seat, which they all did," said Sgt. Murphy.Two other patrol officers were called to the scene. The three men in their late 20s had spray paint under their nails, with fresh paint on the sidewalk and the wall of a business. Sgt. Murphy decided to take a closer look."I saw messages, not of hate, but of peace and love ... the peace sign and 'BLM.' Just had a discussion. 'You're not trying to say anything mean or hateful. Why did you choose a wall?' I understand the frustration of everything going on. Talked about, if this happened to their house, would they be upset? They apologized, and all agreed the avenue they chose was a wrong one. And they came up with, 'What if we fix this?' I said, 'I'd like to help you with that,'" said Sgt. Murphy.Sgt. Murphy, who says he had enough to make an arrest, decided to let them go and asked them meet at the same location that same evening, where he would help them clean up."Having them arrested, how is that going to help the message they're trying to put out? The vandalism would still be on the wall," said Murphy.At 7 p.m. Wednesday, the three men showed up with paint and rollers. Together with Sgt. Murphy, they painted over the graffiti."These men were true to their word. What better way to show not just how the department treats its citizens, but how the citizens treat our city. We all make mistakes, and sometimes we have to be given the opportunity to come back from a mistake," said Sgt. Murphy.The three men have decided to they will create a plywood art installation. Sgt. Murphy has promised to help them find a venue. 1961

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

Dr. Anthony Fauci again broke with President Donald Trump on several key aspects to the administration's response to the coronavirus pandemic during a conversation at Georgetown University on Tuesday.Notably, Fauci said that while schools' goal should be to reopen in the fall, the decision should be left up to local districts in areas where the virus is surging."We should try as best as possible to keep kids in school," Fauci said. "...however, that's going to vary depending on where you are in the country."Fauci said in areas where the virus isn't prevalent; schools should feel comfortable reopening to students. But in areas where cases are spiking — Fauci identified Arizona, California, Florida and Texas as states where the pandemic is the worst — the decision should be left to local officials.He added that districts should "make a decision based on the judgment that the safety of the children and safety of the teachers is paramount."President Donald Trump has called for all schools to reopen in the fall, and threaten to withhold federal funding in districts that choose not to open to students.In addition, Fauci also broke with Trump on testing. While Trump has said as recently as Saturday that spiking case numbers in America are the result of a high volume of tests, Fauci pointed out that other troubling specifics are on the rise."There's no doubt it's both (the number of tests and the uncontrollable spread of the virus that are causing case numbers to rise)," Fauci said.He added that the percentage of positive tests to the total number of tests taken is on the rise in many parts of the country. He also pointed out the hospitalizations are also up throughout the country and added that deaths may rise in the coming days.However, Fauci added that he does not believe the average amount of deaths will rise to the level of where they were in the spring, adding that the average age of a COVID-19 patient is skewing younger than it was earlier in the pandemic.Finally, Fauci was asked who Americans should trust during the pandemic."Trust respected medical authorities...who have a track record of telling the truth," Fauci said. He included himself among the group of "respected medical authorities."The discussion was hosted both by Georgetown's Institute of Politics and Public Service and the Global Health Initiative.Fauci's comments come as the White House continues to sideline him from official briefings with the Coronavirus Task Force, of which he is a member. It also comes days after reports emerged that White House officials were "concerned" about Fauci's recommendations during the pandemic, including advice from earlier this year in which he urged Americans not to wear masks.Initially, Fauci did recommend that Americans avoid wearing masks in an effort to keep from emptying an already-depleted stockpile of personal protective equipment. He has since made an about-face and has urged all Americans to wear masks. He's also admitted that the mixed messaging has been detrimental in slowing the spread of the virus."We have to admit it, that that mixed message in the beginning, even though it was well-meant to allow masks to be available for health workers, that was detrimental in getting the message across," Fauci told NPR earlier this month. "No doubt about it."Meanwhile, other White House officials — like Surgeon General Jerome Adams — also initially recommended against the use of masks. President Donald Trump has also spread disinformation about the virus, and retweeted claims that "everyone is lying" about the disease — including the CDC.On Monday, Trump claimed that despite Fauci's lack of public appearances, the two still have a "good" relationship. 3723

Easter, Passover, Holi, and Ramadan were just a few of the religious milestones that used virtual tools during the pandemic to replace traditional observation. But what about robot priests, artificial intelligence and online houses of worship? The intersection of technology and spirituality is coming much faster than many expected.In the 1983 Star Wars film Return of the Jedi, artificially intelligent android C3P0 finds out what it’s like to become the subject of worship.“They think I’m some sort of God,” he said, as fuzzy creatures hover around him chanting in prayer.But the intersection of machines and religion is happening in real life.In Japan, monks at an ancient temple hear sermons from a robot avatar of the Buddhist goddess of mercy. In India, an automaton performs one of Hinduism’s most sacred rituals, and in Germany, a robot gives blessings to thousands of protestants.“You could punch in the language, for example, in which you would request the blessing,” said Teresa Berger, a professor of Catholic theology at the Yale University Divinity School.Some are now asking whether the next step is an artificially intelligent spiritual leader and whether counsel from A.I. could ever replace the guidance of a cleric.“I think that's a really important question that we need to wrestle with just as we're also wrestling with the hypothetical possibility of encountering intelligent life from other planets,” said Jennifer Herdt, stark professor of Christian ethics at Yale University Divinity.The pandemic has forced millions around the world out of their churches, temples, synagogues and mosques into virtual congregations.“We've been recording our sermons. We've been posting them online, Facebook and YouTube and Instagram,” said Hisham Al Qaisi, Imam of the Islamic Foundation in Villa Park, IL. “A lot of other Islamic centers are doing the same, trying to keep the community engaged digitally.”Professor Berger argues that whether virtually or in-person the physicality of being present remains. And rather than being disembodied, the technology actually allows more connectivity in some cases. She found that to be true during a recent church experience where parishioners used the chat feature during a sermon.“In this particular digitally-mediated community, people talked to each other throughout the service much more than we might do in a brick and mortar sanctuary,” said Berger.In recent years, Facebook CEO Mark Zuckerberg has suggested the social network could address declining church attendance, offering the same sense of community traditionally found in brick and mortar houses of worship. It's something Herdt says may be challenging.“Is this about creating profit for Facebook or is this about truly ministering to the spiritual needs of people trying to keep those things separate would be very difficult,” she said.Still, just how exactly technology will alter manners of worship will undoubtedly continue to evolve, say experts like Herdt.“I'm sure we're going to see some dramatic transformations in the future.” 3064

DOWNTOWN (CNS) - A man was stabbed Sunday in downtown San Diego, police said.At around 2:20 p.m., two men became involved in a physical altercation near the intersection of C Street and Seventh Avenue, and one stabbed the other twice in the stomach, San Diego Police Officer Dino Delimitros said.The victim, who was in his 50s, suffered injuries that were not considered life-threatening, Delimitros said.The suspect is described as a man wearing black pants, and he remains at large. 497