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SAN DIEGO (KGTV) - Membership has its benefits in San Diego."The Big Exchange" offers members of more than 30 participating San Diego County museums free admission from May 1 -18.The program, put on by the San Diego Museum Council, is offered as a special thank you to members of San Diego's local institutions.RELATED: Family fun at Belmont ParkThis May, members can check out special exhibits including Art of the 20th Century at the San Diego Museum of Art, The Cerutti Mastodon Discovery at the Natural History Museum, and more around town.Each member can take advantage of free admission for up to four people per membership at any of the participating museums: 684

SAN DIEGO (KGTV) — It’s an online service that brings groceries right to your doorstep, but some who work for Instacart told Team 10 they are being treated unfairly.Instacart entered the San Diego market in 2016. It basically works like Uber, where people can sign up to be “shoppers” and fill orders for a fee.Jacquelyn Westby signed up for Instacart to make extra cash.“We shop for groceries and then deliver using our own vehicles, our own gas,” Westby said. She recently graduated from grad school and is looking for a job in the field of occupational therapy. Instacart helped keep her afloat as she dealt with growing bills.“This job was the difference between homeless and not. Being able to eat and not,” Westby said.Westby said Instacart changed its pay structure over the past couple months. A company spokesperson said changes were meant to improve the shopper experience, adding things like “pay per mile” and estimated earnings. Westby, however, said the new pay formula has made things worse.“Before I could easily work a four hour shift in the morning or the afternoon and make 0 [to] 0 and be done with my day,” Westby said. “Now, I’m working 12 hours a day and sometimes I’ll make upwards of . Sometimes, it’s .”She said tip is now factored into total earnings from Instacart. Westby also said while heavy pay is added for heavier items, it is not consistent.“I think it’s about the bottom dollar. What’s happening is not fair,” Westby said.In a statement to Team 10, an Instacart spokesperson wrote in part: 1545

SAN DIEGO (KGTV) - It’s getting harder and harder to buy a home in San Diego. But according to Veterans United Home Loans, VA loans in California are surging, and they’re up 15 percent this year in San Diego.Navy veteran Robert Streets and his wife Corrie are part of that surge."There was a large cabinet that came out here, and we knocked that down," says Streets in his recently remodeled kitchen.The Streets are proud to show off their new home. After renting for years, they're first time home buyers as of July, purchasing a condo in the heart of North Park.RELATED: Making It in San Diego: Sailor gets proactive to find housing"I remember the first feeling that I got when we got our keys, and we got into the house, and I was like, 'Wow,'" adds Streets with a sense of relief. "I own this, and I can do whatever I want. I don't have to ask somebody if I can put a hole in the wall or hang a picture."While Millennials are struggling to buy in San Diego, Millennial Veterans are surging in home purchases, up 61 percent according to Veterans United with an average purchase price of almost 0,000. And for the Streets, it was made possible using a VA Loan. "They got all the paperwork together, all the legal stuff sorted out, and they actually made the condo VA qualified so that we were able to use our VA loan. Which wouldn't have ever been in here if it wasn't for that," says Corrie Streets.The Streets are far from alone. VA purchase loans in California are up 66 percent from 2013 to 2018."This is either the most financially advantageous path or, in some cases, it’s the only feasible path to homeownership," says Chris Birk.RELATED: Making it in San Diego: Millennials outpace Generation X in both total debt and long-term savingsBirk is Director of Education at Veterans United Home Loans. He says in some cases veterans and service members, if they qualify, can get a VA loan for no money down. The average 30-year rate for June was 4.2 percent, better than most conventional loans. "They don't have to build pristine credit,” adds “Birk. “And one of the biggest benefits is that so many veterans and service members aren't weighed down by student loan debt."And then there are vets like Wendell Stone. He and his wife Tessie rented for 30 years. That's when their daughter-in-law Aurora Perez, a realtor at Century 21, helped them understand they could qualify for a VA loan."They were able to purchase a home with my help in the Temecula area,” says Perez. "And then they were able to purchase another home in Oceanside and turn that into an investment property."Currently, there is a 0,000 cap on VA loans in San Diego County. But Perez says the laws are about to change and next year if a veteran or service member can qualify, there will be no cap for VA loans.Are you a veteran or service member in the market for a new home? Here’s your complete guide to the VA Home Loan. 2911

SAN DIEGO (KGTV) - Libraries across San Diego County adapted quickly during the coronavirus pandemic, offering digital options for people to continue reading, researching, and connecting with the community."It's hugely important," says Migell Acosta, the San Diego County Library System Director. "People need libraries for serious study and recreational reading and then their information needs.""We knew that our main services were going to be reference, picking up library material and connecting to our technology," adds Ady Huertas, the Supervising Librarian of Youth and Family Services for the City of San Diego. "Luckily, during this time, we've been able to maintain that service, and we're really happy that we're able to do that."Moving to digital services when the pandemic forced branches to close took some adjustments but ultimately proved successful.Libraries moved money in their budgets from buying physical books to buying ebooks so people could have more options to download. The County library system went from 2 million ebook downloads in 2019 to 3 million in 2020 and amassed the state's 2nd most extensive digital library.The City Library created a virtual hub on Facebook to connect with people through storytime, videos, and more. It quickly grew to more than 2,000 followers."We went from creating some basic programming daily to having multiple programs per day for all ages," says Huertas. "We have a schedule. We have storytimes, book clubs, book talks, crafts, stem, learning opportunities, and we even have mindfulness programs and other folks we collaborate to create the content."Both systems also gave out nearly 30,000 take-home summer reading kits to keep kids excited about literacy.The County sent magazines and paperback books to members of the homeless population living in shelters and hotels.Libraries also expanded their online learning options. The County's high school diploma program for people aged 19 and up graduated 25 people during the pandemic and currently has 100 more enrolled.They also offered access to Linda.com, an online learning library of "how-to" videos."I love YouTube like everybody else," says Acosta. "But these are classes that are more business skills, how to do a presentation, accounting skills, and then deep level computer skills."They've had several thousand hours' worths of videos already viewed on the service since they added the service.In the spring, libraries were able to add in-person pick up of books. Over the summer, they offered limited access for people to come into the branches.They also made it easier for people to become library customers by offering library cards with only a phone number or email address.To help address the equity gap, libraries also allowed people to check out computers and other devices. They also expanded wifi signals at the branches to have internet access for people sitting outside the library.Library officials say the new emphasis on digital has made them better libraries in the long run."Whenever there's a challenge to be met, and you step up to the challenge, personally or as an institution, you become better for from that experience," says Huertas. 3187

SAN DIEGO (KGTV) -- It's almost time for kids to head back to school, and that may have some parents considering their children's options. In California, parents have many options, including educating children at existing private schools, through a charter or independent study program, or by opening a private home-based school.But make no mistake; it’s a big undertaking. The State of California requires those choosing to homeschool their children to file a private school affidavit.RELATED: Back to school shopping comparison: Wide price range between Target, Staples, othersParents must provide all curricular, instructional and other materials. State rules also require parents to keep track of their children’s attendance.Another factor to consider is college. The state urges parents schooling at home to learn about student admission or eligibility at specific colleges and technical schools.RELATED: Tax-free weekend 2018: Participating states, dates and what you can buyFor parents considering homeschooling, it’s also important to know that the alternative diploma equivalencies for students who don’t attend public school are the GED or the California High School Proficiency Exam. 1217

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