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POINT LOMA, Calif. (KGTV) - A catamaran stuck in a Point Loma cave for nearly a week was pulverized by surf, according to the salvage crew.New photos and videos from Tow Boat US San Diego show unrecognizable pieces of fiberglass, and one hunk with the engine intact."There's no section left of the boat that looks like a boat at this point," Captain Tony Olson, with Tow Boat US San Diego, said.Last Friday morning two men on a fishing trip were rescued from a catamaran stuck inside a cave near the Point Loma Wastewater Treatment Plant. The men fell asleep while the boat was set to autopilot.The surf was so rough since the crash, salvage crews couldn't re-enter the cave until Thursday afternoon. "It just completely pounds that thing, bouncing it off the walls like a pinball... trying to get behind it, next to it, in front of it, is a bad place to be," Olson said.The divers took pictures and were prepared to pump out fuel when they realized there was no fuel to be found, "there are no fuel tanks left to be found, they're gone. So in the process of the boat coming apart they have floated away, it did not smell like fuel inside the cave at all," he said.Three pieces of the boat came back with the crew, two hunks of fiberglass, "part of a hatch possibly," Olson said, and a steering wheel.Friday morning the crew will devise a plan to pick up the rest. "Float larger sections out possibly drag them off and hoist them up to a boat we'll have waiting out there," Olson said.The divers possibly swimming out the smaller debris. Olson said the work will take more than a week to complete.Tow Boat US San Diego said they are working with the boat owner's insurance company. 1689

Plan to buy your first home in 2021? It’ll probably take months instead of weeks, and you might feel demoralized at times.That’s not negative thinking. It’s an acknowledgment that the road to homeownership has potholes. The journey can be bumpy, but the destination is worth it. When you know at the outset that you’re in for emotional highs and lows, it’s easier to shrug off those lows and keep on truckin’.Here’s why 2021 will be a rough year for first-time home buyers — and how to manage your emotions during the process.Why buying a home in 2021 will be toughThere aren’t enough homes for sale to meet demand. At the end of October, the most recent month with available data, 1.42 million existing homes were available for resale. At that month’s sales pace, it would take just 2.5 months to sell every home on the market — an all-time low, according to the National Association of Realtors. The supply of new homes for sale was enough for 3.3 months, tied with the previous month for a record low.Supply is low because buyers are pouncing whenever homes become available. Most existing homes sold in October — 7 in 10 — were on the market less than a month, according to the NAR.With a slender stock of homes selling fast, buyers have little power. “The control is in the seller’s hands because of supply and demand,” says Terri Robinson, a Realtor with Re/Max Select Properties in Ashburn, Virginia.Set realistic expectationsExpect months to elapse between the first step of checking your credit reports to the final step of closing on the home. “The first thing that I hope people understand is it’s not an overnight process,” says Marc J. Jenkins, a real estate agent with Prime Property Partners in Atlanta.Jenkins tells first-timer clients that it typically takes five to eight months to buy a home. Understanding that homebuying timeline “prepares them mentally, emotionally and financially to see this process through.” Would-be buyers are prone to burnout if they expect the process to take a month, he says.Everyone wants a bargain, but buyers need to recalibrate the meaning of that word so it applies to today’s competitive environment. “A bargain, if I were to redefine that, is the home that you want for the price that you’re willing to pay,” Robinson says.Know where you’ll compromiseMore than three-quarters of home buyers in their 20s and 30s made compromises, according to NAR’s 2020 Home Buyers and Sellers Generational Trends Report. The most common compromises had to do with the condition or price of the home.So before you start seriously looking at homes, decide what you need and what you won’t budge on. You may have a maximum price and commute time, a minimum size or other requirements. Those are your deal breakers. Write them down. Resist the temptation to compromise on deal breakers, even when you feel discouraged. For all else, keep an open mind.Make decisions fastIn today’s market, many homes are on the market for less than a month, so it’s important to make an offer quickly once you find one you like. Let your list of deal breakers be your guide. If a home meets your criteria, including an acceptable price, it may be worth making an offer. Again, quickly, because many sellers field multiple offers within a day or two of listing the home and planting a “for sale” sign in the yard.“Even as a first-time home buyer, they may have to make a quick decision whether or not to buy a home,” Robinson says. To have the offer taken seriously, have a preapproval letter from a lender and make a competitive offer, she adds.Don’t take rejection personallyWhen first-time buyers make offers, “they’re going to get rejected many times,” says Laura Moreno, host of the “First Time Home Buyer Podcast” and founder of a tech startup called HomeFlow that offers an all-in-one homebuying platform.As rejected offers pile up, they take it personally or feel worthless, Moreno says. “What I tell them is just breathe. It’s not a judgment against you.”You might get lucky and have your first offer accepted. But don’t count on it. Realize that for the seller, this is a business decision.Wait before you celebrateYour offer was accepted? Great! Just remember that the home inspection and lender’s appraisal are coming next, and either of them can knock the deal awry. The more excited you get about the seller giving your offer a thumbs-up, the more disappointed you’ll be if you have to give the deal a thumbs-down after the inspection or appraisal.Think about the seller’s needsYou’re focused on your own needs and problems. That’s understandable, but there’s a benefit to thinking about the seller’s needs, too.Jenkins advises making the offer attractive to the seller. That might mean keeping the inspection period short: maybe just three to five days, so the seller can put the home back on the market promptly if you’re dissatisfied with the inspection and decide to move on.Having a preapproval letter from a reputable mortgage lender, paying all of your own closing costs and paying some or all of your agent’s commission are other ways to meet the seller’s needs.Have a backup plan: Don’t buy yetAs fervently as you want to buy a house in 2021, your best option might be to wait until fortune favors you. By putting homebuying on hold for a few months, you give yourself time to save for a bigger down payment and build your credit, and for your local housing market to become less competitive.More From NerdWalletHow first-home shoppers can keep a cool head in a hot market4 market headwinds facing first-time home buyersThe credit score needed to buy a houseHolden Lewis writes for NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 5691

PHOENIX - Latest polling numbers released from the Secretary of State’s office shows Kyrsten Sinema has taken a slight lead over Martha McSally in the race for Arizona Senate.As of 5:30 p.m. Thursday, Sinema has 916,380 votes statewide, while McSally has 914,369.345,000 votes remain uncounted in Maricopa County while a small number of ballots remain uncounted as well in smaller counties.Officials estimate about 195,000 of those are early ballots, provisional, and out-of-precinct ballots that voters cast or dropped off on Election Day.It is one of the most-watched races across the country: will Martha McSally, a Republican, or Kyrsten Sinema, a Democrat, serve as Arizona's first congresswoman?Both are vying to fill Sen. Jeff Flake's seat after Flake's announcement in 2017 that he would not seek re-election.As preliminary results started to come in Tuesday evening, the two appeared to be in a dead heat with both flip-flopping for the lead. Maricopa County Recorder Adrian Fontes expects ballot counting to continue for several days. Officials will continue to update the results daily at 5 p.m. 1144

Owning a vehicle, or even renting one, can be very costly. But there's a company, referred as the Airbnb of cars, that claims to help you make and save money.The California-based company Turo is a peer-to-peer carsharing service. Christie and her husband heard about the online car rental service two years ago. With having to care for three children, they decided it was time to make some extra cash, so they posted their car for rent on Turo. "It's really just posting pictures of your car, and they set you up with a photographer if you want professional pictures done of your car," explains Christie.Depending on how new and nice your vehicle is, Christie says Turo allows you to price your car accordingly. Her Jeep Wrangler rents for 9 a day. At first, Christie says they raked in about 0 a month, which was just enough to pay the car payment. But as they got more reviews from renters, they were making enough to supplement an income. "I would say our profit, 0 at least," says Christie. "During the summer months, it can be up to ,400 in profit."Making that kind of money is great. But, Christie says there are a few sacrifices you have to be willing to make. "If somebody books last minute, it's kind of being able to rearrange my schedule to be able to meet them."A majority of the time, Christie has to drive 30 minutes to the airport to drop the car off with the renter at the airport. Another downside: a lot of miles have been put on her car. She says in just two years, renters have put 51,000 miles on her Jeep. Not only does Christie rent out her car, but she has actually rented a car through Turo while on vacation in Saint Louis. She says her family was on a tight budget. They found a compact car for 0 for an entire week.If she went through a well-known national car rental service, it would have cost her around 1 a week. She saved 1 by renting through Turo. When Christie meets a renter, she checks their driver's license and gives them the keys. It's that simple and easy to use.  2143

PASCO COUNTY, Fla. — An elementary school principal was arrested on Thursday for allegedly stealing 0 from a 9-year-old child.Pasco County deputies arrested Connerton Elementary School principal Edward John Abernathy.The Sheriff's Office say that on Oct. 23, the 9-year-old student, who is mentally handicapped brought some of his parents' money to school. When teachers realized how much money the child had, they took the money, counted it and put it in the principal's office.When the mother of the child went to school to get the money, deputies say the principal gave her only ,200 not the ,100 her child had brought to school."Subsequent investigation by deputies determined the principal kept the 0 difference," the Pasco County Sheriff's Office wrote in a press release.Deputies booked the 50-year-old Abernathy into the Pasco County Jail on one charge of grand theft.Officials with Pasco County Schools say that Abernathy will be placed on administrative leave as they investigate. 1048

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