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RANCHO BERNARDO (KGTV) - A 54-year-old man was pinned between two cars when he was rear-ended by a teen later arrested on suspicion of driving under the influence. The victim was towing his Nissan Sentra in a BMW when he stopped check the tow straps in the 14900 block of Camino Del Norte in Rancho Bernardo around 9 p.m. Saturday. Related: Valley Center wrong-way head-on crash As he stood between the two vehicles a 16-year-old boy in a 2000 Nissan Xterra rear-ended the vehicles and pinned him between both the BMW and Nissan Sentra.According to Officer Robert Heims, the force of the collision broke both of the man's legs. The injuries were deemed non-life threatening and the victim was taken to a hospital.Related: Suspected 16-year-old drunk driver arrested after crash A 54-year-old woman was also riding in the Sentra when the accident occurred. She complained of pain but was not hospitalized.The teen was arrested under suspicion of drunk driving charges.   1002

Record unemployment rocked the real estate market. Now, interest rates are at record lows, giving many people a new way to save money by refinancing their current mortgage.Matthew Garcia, a senior loan officer with Supreme Lending, says now is a good time to refinance your home. "Absolutely. I mean, you’re looking at interest rates being at the most historic rates they’ve ever been. Rates have been in the 3% ranges before but now you’re seeing 30-year loans getting into the upper twos and middle twos, which is completely insane," said Garcia.Garcia says the industry is going through a refinancing boom that it hasn't seen since a few years after the Great Recession. Refinancing your mortgage, or essentially restructuring your current home loan under a new, lower interest rate, can be done for a couple different reasons."There’s two main types of refinancing you can do. There’s what’s called rate term refinance which means I’m simply refinancing the balance from any closing costs I might have and dropping the interest rates. That’s what called Rate Term, taking no additional cash out. Then there’s also cash out. Cash out refinances tend to be a bit more expensive. When I say more expensive, I mean the rates are slightly higher, more expensive in cost structure," said Garcia.For cash out refinancing, home owners who have likely owned their property for at least four or five years, are refinancing to take the extra cash from the increased equity in the home, and invest it in renovations or elsewhere."Where people can get into more danger is, they're taking out money because they want to go out and invest in other investment properties, go use that money to go out and buy other homes, speculate. That’s where it gets a bit dangerous. A lot of folks start watching their HGTV and think they're the expert and they're going to tap into this equity and go and do these things. There’s a lot more to it," said Garcia.Garcia says the last thing people want is to end up with two failed mortgages. He says the best reasons to refinance is debt consolidation or if it will save money in the long run.Josh Stech, CEO and co-founder of Sundae, a company that helps people with homes in bad condition get their properties sold, also says it's a good time to refinance because of how great the real estate market was doing before the COVID-19 pandemic."Rates are really low but also equity in homes was really high. We hit historic highs heading into the pandemic in terms of the amount of equity that homeowners have in their homes. Basically, the value versus the mortgage that they owe," said Stech. As for how long interest rates will last, Federal Reserve Chairman Jerome Powell has said they could be around for years. Sheck says, there's a chance interest rates could go even lower but there's already so much demand to refinance and banks can only process so many."I think as the fed is targeting a longer term near-zero interest rate environment, I think actually if you maybe wait a little bit you might play the game and win and get a lower interest rate because of the supply and demand I mentioned. I think it's a great time. It's hard to argue with record lows you haven't seen since 1971," said Stech.Experts recommend people who are considering refinancing to talk to a loan officer or financial advisor to make the best decision for their situation. But, if it's something they're interested in doing, to look into it while the rates are as low as they are. 3495

Prisons across the country have suddenly become ground zero for the coronavirus.In California’s oldest jail, San Quentin State Prison near San Francisco, the number of cases has ballooned from less than 100 to more than 1,000 in two weeks.Attorneys in the area say the outbreak came from a transfer of inmates from the California Institute for Men to San Quentin.In the closed system that is a prison, it can make social distancing a challenge as there is only so much space to house inmates, particularly at a distance.Prison reform advocates say to solve the problem correctional facilities nationwide have turned to solitary confinement."The reports that I’m getting back now is not ‘Hey they put me in solitary for COVID-19.’ It’s, ‘They’re keeping me in solitary because of COVID-19,’” said Johnny Perez.Perez was formerly incarcerated at Riker’s Island in New York City for an armed robbery he committed when he was 21. He served 13 years for the crime, 3 of which were spent in solitary confinement, he says.“[It gave me] thoughts of suicide, volatility in my emotions,” said Perez. “I still need to sleep with the door open at night.”Perez says the experience in solitary can be similar for most people he knows, and thinks it is a dangerous way to combat COVID-19.“[The corrections system] treating you like an animal for the rest of your life says more about our system than it does about our individuals,” he said. “It is creating and lowering this standard of what it means to be put in solitary that is so low that it reverses all the work that we’ve done so far.”Perez is the director of the U.S. Prisons Program for the National Religious Campaign Against Torture, a group that works closely with the ACLU to form Unlock the Box, a national advocacy group fighting to end solitary confinement. Unlock the Box estimates the number of people currently in solitary confinement in U.S. prisons is 300,000; a large jump from the 60,000 it says was in solitary confinement in February.“There is a perpetuation and it is a really terrible cycle,” said Jessica Sandoval, campaign strategist for Unlock the Box. “[Inmates] are not going to report that they feel bad if that’s what the prison is going to do anyway so it’s pretty dangerous.”In an emailed response the Federal Bureau of Prisons did not respond to questions about solitary confinement in response to COVID-19, but it did say other measures it was taking to reduce the spread of the virus in the prison system through universal distribution of PPE, limited visits to those incarcerated, and no inmate transfers between facilities.Sandoval says medical isolation is a better practice, which does not strip inmates of many of their privileges. She also advocates early release for inmates nearing the end of their sentences or in the process of seeking parole."I think there needs to be a reckoning among corrections leaders and governors to say we’re going to do what’s right,” said Sandoval. "We’re going to save lives."According to the National Institute of Corrections it costs ,000 to house someone in solitary confinement for a year, as opposed to ,000 to house someone in the general prison population for a year. 3201

President Donald Trump will meet Secretary of State Mike Pompeo on Thursday as the White House struggles to contain a spiraling crisis over a journalist's apparent death at a Saudi consulate.Trump stressed Wednesday that he does not want to abandon Riyadh as it comes under increasing pressure to explain the disappearance of Washington Post columnist Jamal Khashoggi, who has not been seen since entering the consulate in Istanbul, Turkey, on October 2.Trump denied that he was "giving cover" to Saudi Arabia, insisting that he wants to get to the bottom of what happened."I want to find out what happened, where is the fault, and we will probably know that by the end of the week. But Mike Pompeo is coming back, we're gonna have a long talk," he said. 767

President Donald Trump's rebukes of Attorney General Jeff Sessions have included referring to him behind the scenes as "Mr. Magoo," The Washington Post reported Wednesday evening.Trump on Wednesday?lashed out again at Sessions?on Twitter for his oversight of the Justice Department.  311