For more on this story check out www.helpsealthedeal.com and www.childrenspool.org
Webster defines " treasure" as "something of great worth or value",a "collection of precious things". There could be no better word to describe the San Diego Symphony.
I had the great fortune of attending the Jacobs Materworks series at our own Copley Symphony Hall and it was such a marvelous production. When one thinks of San Diego, I suppose they think about the amount sunshine , the beaches, the raw beauty of nature and these are just a few of the fabulous traits of our great city. But you just haven't lived until you attend a performance of one of the wonderful and magnificent symphony productions at Symphony Hall. Click here is see a virtual tour of Symphony Hall .
San Diego's Symphony Hall opened as the Fox Theater in November 1929, some twenty years after the first concert was given by the San Diego Symphony Orchestra. The luxurious interior of the concert hall is of the ornate French Rococo style. It was built as a lavish movie and vaudeville theater. By the mid-1980's the San Diego Symphony orchestra had its own home there in what was renamed the Copley Symphony Hall.
Nuvi Mehta gave the concert comments prior to and during the various musical piece presentations and he was a real joy to listen to with a powerful and melodic voice with marvelous intonation. Nuvi also gives speeches on the symphony itself as well as the masterpieces , as interpreted by Jahja Ling our masterful and world renowned Conductor. I felt almost exhausted myself watching him perform his magic in the Jacobs Materworks. He puts his heart, soul and whole body into the direction of some of the most magnificent musical talent I have ever heard perform. Jahja Ling ,our very own maestro is achieving international recognition in musical excellence as well as cultural leadership and within minutes of hearing his magical interpretations,you will clearly understand why.
There is so much to write about this wonderful cultural treasure here in San Diego. If you would like to know more please use the link provided here ,The Copley Symphony Hall to read more about this extraordinary treasure, right here in our city that awaits your visit to experience magnificent musical magic. I promise you , you will be enthralled!
A few months back I wrote a post about the Poseidon Resources in Carlsbad 
and their new technology to provide a Desalination plant where the old power plant is located at the Aqua Hedionda Lagoon in Carlsbad, California.
Desalination plants, though an expensive alternative for supplying water in areas of California where the supply has been stretched thin, has a bit of history that I learned today reading an editorial post in the local paper.
Get this, way back in the 60's under the Johnson administration there was additional rift between Cuba and the US well after the Bay of Pigs conflict and Cuba decided to cut of the water supply to the Guantanamo base in Cuba. Johnson was informed about a Desalination demonstration plant in Point Loma California under the authority of the Interior's Department of the Office of Saline Water ( I didn't know we had an Office of Saline Water). Built there by the US Navy, it had been successfully desalinating water for over a year and the Johnson Administration ordered that the plant be disassembled , moved and reassembled at Guantanamo Bay. Piece by piece it was disassembled packed and shipped and ultimately with in a short few weeks ,was rebuilt and is still to this day producing water for the military base in Cuba. 50,000 gallons a day.
The article was a fascinating read and impressed me about the will and determination in overcoming obstacles placed in our way by unfriendly countries. Johnson could have of course sought to confront Cuba but with better advisement from the Interior Department, overcame the water supply obstacle in a Herculean effort to supply the resources needed and at the same time avoid additional confrontation with this small but unfriendly country.
This is a very interesting story and if you are interested you can read entire story using this link. Desalination History in San Diego
I wrote a post a few weeks back about my neighbors house flooding while they were on vacation. This has happened to a great many neighbors and the fix is pretty costly. As far as I can tell, the choice is either re-route the plumbing from under the slab to the overhead through the walls and ceilings or re-lining the copper pipes with a silicone based epoxy.
For many homeowners in our area, this fix is just too costly to consider and they will take their chance that they will not become the next to suffer a breakdown. Many home owners insurance policies do cover the damage but not the fix of the initial problem.
The disruption from such a break in the plumbing system causes so much heartache that I well understand whichever way a homeowner chooses to think even if to mostly ignore the need for a fix.
I often have wondered why the insurance industry does not give a break if the homeowner takes the lead and remedy the issue before it becomes a problem. I guess for the same reason that health insurance companies don't give you a break for staying well or the life insurance industry does not give you a break for not dying.
The insurance industry is in business to insure against catastrophic loss and they are thriving. Meanwhile, I have the hard decision to choose which would be the better of the remedies, not if I will select a remedy or not.
The gentleman that was at my home today ,suggested that the chemicals in our water is breaking down the cooper. I asked the plumbing company next door working on the neighbors piping re-route, if what I was told earlier was accurate and they said they never heard of such a thing as the water affecting the pipes.
Checking further with other companies there seems to be more than one company's information that makes a good case that the water is actually deteriorating the copper pipes. This is certainly the first time I have ever come across that type of information. More research is warranted on that issue.
The plumbing company doing the work for my neighbor, assured me that the problem stems from vibrations in the copper piping and that the heat of the water causes it vibrate. If the piping is hitting some other hard or abrasive substance,, like a concrete edge or metal face plate it causes the pipes to vibrate until a pin hole starts and then the water pressure takes it's course and causes the pipe to fail. 
The company that produces the epoxy lining material for the re-lin in a later phone call feels strongly that the problem is not external on the piping but internal from the water itself. Either chemicals added or removed from the drinking water is deteriorating the piping.
Interestingly both of these arguments makes some sense but irrespective of what the cause it, the fact that it needs a remedy has increased both my understanding of the issues and those kinds of things that need to be brought forth to educate the public.
Much more needs to be learned on any specific treatment issue but I am fascinated that we take so for granted in our homes in California. Maybe we shouldn't be.
Just about the time when everyone was on the same page with the old FICO scoring system, Fair Isaac's Corp. is making some needed changes in the the way the formulas will be calculated. A glimpse of the new model will be available in Sept 2007. This change will only affect one reporting agency in 2007 and the others will implement it in 2008. Fair Isaacs says the new system is not that much different. The major change in the new system is in the way it looks at those that receive credit points who are authorized users on someone else's credit card.
People with little credit history or with poor credit will likely see their scores change significantly when they close this loophole. It will illuminate on the scores of millions of authorized users and their scores will be affected, either up or down as the system is implemented.
This change will mostly effect the younger adults that are trying to establish credit by attaching themselves to their parents credit cards. They ride the coat tails of their established parents credit to be able to circumvent the time required to establish for themselves. Married women who use the family credit cards, but have little credit on their own will also be affected.
Fair Isaac is closing this loophole because the lending industry has complained about abuses and said that the loophole was distorting the borrowers' true credit risk.
As a suggestion for those who become authorized users to help build their credit, they might consider switching to a joint account. That would allow the joint member to continue reaping the benefits of the primary cardholder's strong credit history. However it must be understood that doing so also poses some risks for the primary holder of the credit card. If the authorized user abuses the card it will affect the primary card holder credit as well. The primary cardholder can expect to see a change in their respective credit score.
As I was researching the available information for this post, it occurred to me that there is really no clear way for one to gather the information with any assurance that you have a handle on how their specific credit score was composed. Perhaps the new scoring system will take this into account and help create a more understandable way of how the score was composed.
MyFICO.com does give general guidelines on how the score is determined. Let me correct that, how your 3 scores are determined. Most people assume they have one FICO score when in fact there are 3. Each of the reporting agencies determines their own score based on what they have in their reports for the borrower seeking credit. So depending which one of the 3 reporting agencies (Experian,Equifax,and Trans-Union) individual score is used, will vary. Perhaps not by large numbers but they will each have a different score.
On the site MyFICO.com these are the general guidelines of the composition of the score.
35% of the score is determined by Payment History
30 % on Utilization ( by what percentage of your available credit are you using )
15% by your established Credit History
10% of the score based on Inquires
10% on your Mix of Credit ( installment credit, credit cards, mortgage, etc.)
When a lender then quotes you your FICO Score, they are usually quoting your average score by adding up all three and taking the average.
If you were buying car for instance, the dealership may only use one credit reporting service. Your score might be very different than if you were applying for a loan to purchase property. The Mortgage Brokers will most always need to factor in as much information as possible for the underwriters of the loan to consider when determining loan approval.
In adjusting the FICO scoring formula, Fair Isaccs who created and owns the formula, says that adjusting this formula is needed to protect the continued reliability and predictive power of the FICO Scores. Dr. Mark Green , the CEO of Fair Isaccs, said about the upcoming formula change, " We will do whatever it takes to protect the reliability and accuracy of FICO credit scores for lenders, and to ensure lenders can continue to use FICO scores with confidence when making their most important customer decisions". He added " We will continue working with lenders regulators and others in the credit reporting industry to end deceptive practices that misrepresent consumer credit histories for profit".
The new system will take some getting used to but in the longer run it may create a more reliable and accountable system. In the shorter run, a lot of people's scores will be changed and that may create some confusion and concerns for the borrowers.
The exact details of the new system will always be safeguarded by Fair Isaacs Corporation prevent competitors and critics from cracking their trusted system.
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I consider San Diego an excellent place to live and would love to share with you my enthusiasm for the numerous communities that encompass it. Looking forward to working with you. CA Lic # 01048160
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