California
We moved from California to Texas after a wildfire destroyed our home. Our income is lower, but we love the state.
 
- Gerardo and Tomi Ruiz moved from San Bernardino, California, to San Antonio, Texas, in September.
- They moved with their two young sons after a nearby fire destroyed their rented home.
- The couple loves Texas for its cheaper cost of living and the people but misses California’s food.
This as-told-to essay is based on a conversation with Gerardo Ruiz, 29, and Tomi Ruiz, 26, native Californians who moved from San Bernardino, California, to San Antonio in 2024. The following has been edited for length and clarity.
Gerardo: My wife, Tomi, and I are from San Bernardino, California. We met at a party in 2019 and married last April.
San Bernardino isn’t as nice as it used to be. Many things, like homelessness and gang activity, seem to have gotten worse in recent years.
Tomi: There were things we liked about California. I had family only about an hour away. I loved being in the snow or at the beach whenever I wanted.
We had been talking about leaving California for a while because the cost of living was dramatically increasing. We had discussed Texas, Arizona, or maybe Utah, but we weren’t serious about it.
A fire finally pushed us to leave
                            
                            
                          
                                                         
                             Courtesy of Gerardo and Tomi Ruiz
                             
                                  
                            
Tomi: In September, the Line Fire broke out in Highland, California, next to my grandparents’ house.
We were renting a house on the other side of town. The Line Fire wasn’t directly threatening our house at first, but our neighbor’s home caught fire. They said it started from an ember from the Line Fire.
It was terrifying. We were asleep, and suddenly, my husband woke up to what sounded like a huge explosion. I felt him pushing me and yelling.
When I sat up, I saw flames coming through our bedroom window, not even six feet away.
Gerardo: We have two kids, Anthony, who is 3, and Charlie, who is 1. We grabbed them both and ran outside.
Tomi: We both ran out in our underwear because we didn’t have time to get clothes.
The fire destroyed about half of our house, plus there was smoke damage everywhere.
Gerardo: We lost almost everything in our bedroom and the dining area.
Tomi: We were just in shock. We sat outside staring at the house for a long time.
Gerardo: The Red Cross gave us some money for a hotel.
We had to restart our lives somewhere
Tomi: A few days later, our landlord told us they had to terminate the lease because they couldn’t estimate how long the repairs would take and couldn’t put us in another place in the meantime. We were homeless and realized that we had to start all over again.
We discussed staying in California, but starting a new lease in the state is expensive with a deposit, the first month’s rent, and all the fees.
We figured if we had to start over completely, we’d be better off starting in Texas.
Gerardo: My brother has lived in San Antonio for about 10 years. We came out to visit a few years back and just fell in love with the city.
Tomi: We packed up what we had left, my husband took out his 401(k), and we drove to Texas.
Texas is so much more affordable
Gerardo: Our first impression of Texas was how cheap the rent is. We paid about $2,350 in San Bernardino for a 3-bedroom, 1-bathroom apartment. We’re now in a two-bedroom, two-bathroom place in San Antonio and pay $1,250.
Tomi: We first applied for a few houses, but the wait took forever. We decided to apply for an apartment and got approved the next day. We stayed in a hotel for three weeks until we got approved for the apartment.
In addition to rent being cheaper, gas is much cheaper, which is great for us because we have pretty big cars.
Gerardo: Car registration is, too.
Tomi: Groceries, however, seem to be about the same.
While the cost of living is more affordable here, the pay is lower.
I’m a certified phlebotomist, and in California, I was making about $25 an hour. Here in Texas, I got some offers ranging from $16 to $20 an hour, and I accepted one. I’m making less than I was in California, but with the money we’re saving, it’s not too big a difference.
Gerardo: I’m a tow truck driver. I worked two driving jobs in California, making $21 an hour and $24 an hour.
I expected to be able to find a similar job in Texas, but once I got here, it was more difficult than I thought. The highest-paying towing job I could find was for a little more than $15 an hour.
For now, I’ve been holding off on getting a job to watch the kids since we don’t know many people here in Texas who could babysit.
The state has exceeded our expectations
Tomi: We just fell in love with Texas. It’s so much greener than we expected. We thought it would be all desert and cowboys, but San Antonio has many nice parks and playgrounds. It feels very family-oriented.
Gerardo: The environment out here is great. My wife has some PTSD from the fire, and it’s nice that it’s not as dry.
Tomi: You definitely feel the Texas heat, though. It was still so hot on Halloween. We’re used to a breeze in October.
It also snowed since we’ve been here, which is uncommon for San Antonio. We love the snow.
There have been some challenges, but we made the right choice
Gerardo: The hardest adjustment has been the food. Even the McDonald’s here tastes different. Texas street tacos are not like California street tacos at all.
There was incredible Hawaiian barbecue in California. Since we moved, I haven’t been able to find similar food.
Tomi: Texas has been so good to us. I felt like I was home right away. I feel like I’ve connected with the people. Everyone is so kind.
Gerardo: Our goal is to stay in Texas long-term, but we want to move to Amarillo, Texas, eventually. It snows there more often, and we love the cold.
Tomi: I’m so glad we moved. It was scary when we decided to do it, but we had nothing to lose and made it work.
Gerardo: The recent fires in Los Angeles were terrible, and we’re praying for everyone involved.
The reassurance of not having to worry about wildfires here like we did in California has been a huge plus already.
 
																	
																															California
Exclusive: FBI searched California real estate firm linked to bad bank loans
 
														 
Item 1 of 2 The podium for the director of the Federal Bureau of Investigation is seen at FBI headquarters in Washington, U.S. June 14, 2018. REUTERS/Yuri Gripas/File Photo
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On September 11, FBI agents searched Continuum’s Newport Beach, California, offices, law firm Paul Hastings wrote in a September 12 letter seen by Reuters.
Representatives for Continuum did not respond to emails and calls seeking comment. The FBI is an enforcement arm of the Justice Department. Spokespeople for the agencies did not respond to requests for comment. An attorney for Cantor Group said the firm upheld the terms of the Zions and Western Alliance loans and did not provide comment on the government scrutiny.
Allen Matkins, a law firm that represents other entities linked to Continuum, wrote in an October 2 letter that it learned on September 11 that certain of its clients were the subject of search warrants “in connection with a pending criminal investigation,” and that a grand jury had been convened in the case.
Prosecutors typically convene a grand jury when they intend to gather more evidence. The letters did not say which specific criminal authority was leading the case or what potential misconduct or individuals it was focused on.
Criminal investigations do not necessarily mean any wrongdoing has occurred and many do not result in charges.
Reuters is reporting the FBI search and probe for the first time. The government scrutiny could have ripple effects for what legal filings and public records show is a complex web of investors and lenders tied to Continuum’s real estate dealings, some of which are entangled in civil litigation.
Paul Hastings and Allen Matkins are representing parties embroiled in a complex real estate dispute. The letters relate to those proceedings. The Allen Matkins letter was disclosed in a California court.
When asked about the letter by Reuters, a lawyer for Paul Hastings said the firm was “working to unravel multiple levels of alleged fraud,” but did not provide more details.
Allen Matkins did not respond to calls and emails seeking comment.
PASSIVE INVESTORS
Zions on October 15 sued Cantor Group fund guarantors Andrew Stupin and Gerald Marcil, among others, to recover more than $60 million in soured commercial and industrial loans. The next day, Western Alliance flagged that it had sued the pair and a different Cantor fund in August to recover nearly $100 million.
Both suits allege key information was misrepresented or not disclosed, breaching the loan terms. Western Alliance also alleges fraud on the part of the Cantor fund.
Continuum acquires and manages distressed real estate assets for groups of investors, and its largest investors include Stupin and Marcil, according to a February arbitration ruling related to the real estate dispute. That ruling found Cantor “consists solely” of Continuum’s legal owner, Deba Shyam, and shares the Continuum offices. Shyam did not respond to calls and emails seeking comment.
Cantor upheld its contractual obligations and was transparent with its lenders, while the loans were audited and independently reviewed multiple times over the years, said the Cantor attorney Brandon Tran, who also represents Stupin and Marcil.
The pair are passive investors in Cantor and held no operational roles, he added. Cantor in legal filings has disputed that the Western Alliance loan is in default.
In a statement, Marcil said he had invested in several of Continuum’s properties. He denied wrongdoing and said that he was a victim.
Spokespeople for Zions and Western Alliance did not respond to requests for comment.
Reporting by Douglas Gillison and Chris Prentice; Editing by Michelle Price
Our Standards: The Thomson Reuters Trust Principles.
California
California sues truck-makers for breaching zero-emission sales agreement
 
														 
California air quality officials have sued four truck manufacturers for breaching a voluntary agreement to follow the state’s nation-leading emissions rules, the state announced Tuesday.
What happened: Attorney General Rob Bonta’s office filed a complaint Monday in Alameda County Superior Court, arguing that the country’s four largest truck-makers — Daimler Truck North America, International Motors, Paccar and Volvo North America — violated an enforceable contract that they signed with the California Air Resources Board in 2023.
The lawsuit comes two months after the manufacturers filed their own complaint in federal court, arguing the agreement — known as the Clean Truck Partnership — is no longer valid after Republicans overturned California’s Advanced Clean Truck rule in June through the Congressional Review Act.
Why it matters: The move sets up a fight to determine whether the federal system or state courts — where CARB would have a higher likelihood of prevailing — will review the case.
California
California sues USDA over halted SNAP benefits, warning 41 million Americans are at risk
 
														 
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