For most, this week’s colder forecast means wearing an extra layer, or turning up the thermostat. But for the region’s unhoused residents, lower temperatures can make life much more difficult. Then, California has poured billions of dollars into reducing homelessness in recent years, but residents and state and local officials are frustrated over an apparent lack of progress. Later, we remember Rose Schindler, a Holocaust survivor and longtime San Diego resident who passed away last week at 93. Plus, San Diego writer Jac Jemc is the author of the new novel "Empty Theatre," which is out today. Finally, this week marks the return of the Writer’s Symposium by the Sea on the campus of Point Loma Nazarene University. Pulitzer Prize-winning author William Finnegan will be the featured writer on Wednesday evening.