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IMPERIAL BEACH, Calif. (KGTV) - A new event venue is honoring the history of the South Bay, while giving people a gorgeous view for their parties and meetings.Salt Drift Pointe, at 536 13th Street, has 13,000 square feet of space. It includes a main room, a bar, patio, pier and more."It's a huge blank space," says Co-Owner Richard Inunza of the venue. "We've got a great atmosphere and great views."Inzunza and his co-owner Terry Snyder designed the venue specifically to try and pay homage to the South Bay. The "rustic wall" in the event space is painted to reflect the colors of the bay. And the name, Salt Drift Pointe, refers to the industrial history of the region.RELATED: New Chula Vista event space highlights city's rich history"When Rich and I thought about the name for this place, we wanted to grab the natural landscapes," says Snyder. "As you can see from the beautiful views we have of the salt ponds and the old salt mines, we wanted to include the salt."Salt played a big part in the South Bay story. According to San Diego History Center Historian Andy Strathman, it was the first industry that helped the region shift away from a farm-based economy during the late 1800s."You could build very large settling basins to bring the saltwater in and allow it to evaporate over time," says Strathman. "You would get the water increasingly saline, and eventually, you could harvest the salt."In the 21st century, the South Bay has shifted its economy again, trying to attract more tourists. The new Chula Vista Bayfront project is expected to bring in more than billion every year once it's completed.Inzunza and Snyder say it's fitting that a new business like theirs, which will tap into the hospitality industry, honors the past."We hope families can come and enjoy this place for years," says Snyder.To celebrate, Salt Drift Pointe is hosting a free grand opening party on Oct. 30. The public is welcome to stop by and take a look at the new venue from 5 - 8 p.m. 1993

In a crisis, long-term planning may lose out to quick and dirty solutions — regardless of the consequences.As the pandemic and its economic fallout continues, more cash-strapped consumers could fall into this trap if the Great Recession is any indicator.A recent report by the Consumer Financial Protection Bureau found that from 2007 through 2010, debt settlements — which can be financially risky — increased. Meanwhile, credit counseling, a debt relief option that keeps consumers in good standing with their creditors, declined.Before you hit a moment of crisis decision-making, understand how to think through debt relief options.Why debt settlement isn’t all it’s marketed to beYou’ve probably heard the radio ads or maybe received a robocall promising a solution to your debt that can cut what you owe by 50% or more.Debt settlement claims are as lofty as the industry’s marketing budget. But these programs aren’t all they’re hyped up to be — and the ads gloss over the downsides.With debt settlement, you stop making payments to creditors and instead direct your money to the debt settlement company, which holds it in an escrow account. Then, typically after several months, the company contacts your creditors and haggles to cut a deal where the creditor accepts less than originally owed. This period of waiting between when you stop paying creditors and the debt is settled (which isn’t guaranteed) is where things can go awry.“There’s no free lunch,” says Glenn Downing, a Miami certified financial planner. “There really are some significant trade-offs with debt settlement. I’d try to make it a last resort.”Debt settlement risks include:Leaving yourself open to lawsuits: When you stop making payments to creditors and debts go delinquent, you can be sued by the original creditor or by a debt collector who purchases the debt. Until the debt is resolved, either through full payment, settlement or bankruptcy, you’re at risk of being sued.Owing a tax bill: The IRS considers any amount of debt settled as taxable income.Saving less than what was advertised: Debt settlement companies often take a fee of around 30% of your original debt balance. So even if you did settle for 50% of what you originally owed, you won’t come out as far ahead as you might expect after you pay the fee to the settlement company. Additionally, your debt can continue to grow when you stop making payments, as late fees and interest are added to your balance.Credit damage: Missing payments and defaulting on your debts are among the worst things you can do to your credit. These marks stay on your credit reports for around seven years and will make you look risky to future creditors, which can result in you not being approved for credit or having to pay higher interest rates.A better choice for long-term financial healthWhat if there was a way to roll multiple credit card payments into one, at a lower interest rate — while preserving your good standing with your creditors?That’s what nonprofit credit counseling agencies offer. These organizations have arrangements with many credit card companies that provide a lower interest rate in exchange for regular monthly payments over three to five years to resolve your debt.But many consumers aren’t aware of these benefits, according to a 2018 Harris Poll survey commissioned by Money Management International, a nonprofit credit counseling agency. It found that 62% of the 2,012 respondents didn’t know credit counseling can roll multiple credit card debts into one payment. And 73% weren’t aware that credit counseling offers lower interest rates on credit card debt.There are some drawbacks if you use a credit counseling agency’s debt management plan. You typically need a regular income to qualify, and if you miss a payment, the agreement can be dissolved, leaving you to manage on your own.But for the long-term health of your credit profile, credit counseling is the clear winner. This debt relief tool generally keeps consumers in good standing with creditors since they’re making good on their obligations. The only harm to their credit profile would come from closing credit accounts, which some agencies require.To find a reputable nonprofit credit counseling agency, look for one that has been certified by the National Foundation for Credit Counseling or the Financial Counseling Association of America.Know when a third option might be bestBefore choosing debt settlement or credit counseling, consider whether:You’re barely able to make regular debt payments.Your monthly debt payments — excluding student loans and housing costs — exceed 40% of your take-home pay.Your debt burden is interfering with your quality of life, for instance keeping you up at night.If so, you might want to consider bankruptcy. Although it’s been stigmatized, this debt relief tool can resolve what you owe faster than credit counseling or debt settlement. In addition, credit scores can start to rebound quickly in the months after filing.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow Credit Counseling Can Help YouDebt Settlement: How It Works and Risks You FaceWhen Bankruptcy Is the Best OptionSean Pyles is a writer at NerdWallet. Email: spyles@nerdwallet.com. Twitter: @SeanPyles. 5312

Illinois Democratic Sen. Tammy Duckworth gave birth to a baby girl Monday, her office announced, the first US senator to do so while in office."Bryan, Abigail and I couldn't be happier to welcome little Maile Pearl as the newest addition to our family and we're deeply honored that our good friend Senator (Daniel) Akaka was able to bless her name for us -- his help in naming both of our daughters means he will always be with us," Duckworth said in her office's statement.In her statement, Duckworth used the event to advocate that rules should be changed so she can bring her baby to Senate votes.Duckworth had her first child in 2014, when she was serving in the House of Representatives.An aide close to Duckworth told CNN she's doing well and taking 12 weeks to bond with her new daughter and take care of her family. She's staying in Washington, DC, for her maternity leave and is available to vote as needed.When she gave birth to her first daughter, she took her maternity leave at her home in Chicago, but this time she and her and her husband decided that she would give birth in the DC area in case she needs to vote, the aide said.Akaka -- a Democrat from Hawaii who served in Congress for more than three decades -- died Friday at age 93. He was previously responsible for giving Duckworth's first daughter, Abigail, her middle name of O'kalani.Duckworth is a retired Army lieutenant colonel who was a helicopter pilot in the Iraq War. She was the first female double amputee from the war after suffering severe combat wounds when her Black Hawk helicopter was shot down. After retiring from the Army, she was elected to Congress in 2013. 1670

In a security policy that has been implemented in many stadiums and arenas around the country, large bags will soon be banned inside Cinemark's movie theaters, the company has announced. The ban will go into effect on Thursday at all of its theaters. Cinemark is the parent company of chains such as Rave Motion Pictures, Century Theatres, CineArts and Tinseltown. Bags larger than 12 inches by 12 inches by 6 inches will not be permitted. Exceptions may be made for medical equipment and diaper bags. Cinemark said there will not be anywhere to check bags. The chain also said that the company reserves the right to inspect all bags entering its theaters. A Century Theatre, which is owned by Cinemark, was the scene of a mass shooting in July 2012, when 12 were killed and 58 were wounded by a gunman. Survivors and families of the victims sued Cinemark claiming the company did not take adequate safety and security precaution. A US federal judge then threw out most of the claims against Cinemark in 2013.  1078

If you are still out of work, chances are the bonus unemployment check has helped you out. The 0 weekly bonus passed by Congress earlier this year helped millions of Americans who lost their job due to the pandemic. OUT OF TIMEThe benefit is set to expire on July 31, however because of payment schedules, this week will be the final week of the benefit. Congress is not expected to pass a new round of relief by next week although they could offer back-pay should relief legislation eventually pass. WHY IT MIGHT NOT BE EXTENDEDDemocrats have called for extending the benefit or at the very least enhancing current unemployment payouts. Republicans, however, are more skeptical, with some believing the incentive is stopping Americans from returning to work or looking for new work. THIS WEEK IS CRUCIALNegotiations are well underway and this week will be full of developments. That's because Congress is back from their Fourth of July recess. Senator Mitch McConnell and Rep. Kevin McCarthy, both GOP leaders in Congress, met with President Donald Trump at the White House today. On Tuesday, Trump Chief of Staff Mark Meadows and Treasury Secretary Steve Mnuchin will attend meetings on Capitol Hill. President Trump is even rumored to potentially make an in-person appearance on Capitol Hill this week. Everything from expanding small business loans to another stimulus check is expected to be included in the negotiations. 1438

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