5 Ways To Use Less Water At Home}

5 Ways to Use Less Water at Home

by

Jordan Rocksmith

Everyone wants to save money on their bills, and one of the easiest ways to do it is by learning how to use less water around the home. There are many ways to save water, and most of them don’t require too much of an effort on your part. You can also get help from companies like Curtis Bros Drilling & Pump Serviceto make your appliances as efficient as possible. Here are 5 ideas to get you started.

Switch to Showers

Baths can use up to twice as much water as the average shower. Use baths as the occasional treat rather than your everyday routine, and encourage others in the house to do the same. Try to limit your shower time as well. If you want to save even more money, collect some of your shower water with a bucket to use for watering your plants or flushing the toilet.

Turn off Your Faucets

[youtube]http://www.youtube.com/watch?v=vQ_UOBwfjPQ[/youtube]

Many people are in the habit of letting the faucet run while they brush their teeth, shave, or do the dishes. Although it may seem inconvenient to constantly turn your faucet on and off, it can save you several gallons of water a day.

Wait for a Full Load

Washing machines and dishwashers can be some of the worst offenders when it comes to wasting water, especially if you don’t wait for a full load. If you only have a few dishes, wash them by hand or wait for the next meal. Older machines are the least efficient, so if your appliances are more than ten years old, it’s time to consider upgrading to new models.

Use Low-Flow Appliances

Most appliances that use water around the home have undergone vast improvements over the last couple of decades, making them more efficient than ever. Low-flow showers, sinks, toilets, and other appliances use only a fraction of the water that older models use. Try replacing one or two a year, and you’ll quickly see the savings start to add up.

Fix Leaky Pipes and Appliances

That dripping faucet isn’t just annoying–it’s the sound of your money running down the drain! Leaky pipes and appliances can waste hundreds of gallons of water a year, and they can also cause water damage to your home. Keep an eye out for mold, excess moisture, and other signs of water damage so you can have the problem fixed by a company like Curtis Bros Drilling & Pump Service.

Keep an eye out for mold, excess moisture, and other signs of water damage so you can have the problem fixed by a company like

Curtis Bros Drilling & Pump Service

. To know more about us, visit

curtisbrosdrillingandpumpservice.com

.

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5 Ways to Use Less Water at Home}

New Australian industrial relations legislation passes House of Representatives

Friday, November 11, 2005

Wikinews Australia has in-depth coverage of this issue: Australian industrial relations legislation, 2005

The new Australian industrial relations legislation, dubbed “WorkChoices” by the Government, passed the House of Representatives November 10. It is to be considered next by the Senate.

The House session became tumultuous, with the Leader of the House Tony Abbott moving a motion to permit an hour to the consideration in detail stage of the bill, comparing the amount of debate on other bills to this one, stating “we have had very, very extensive debate” and that “members opposite are not interested in debating this bill, they are not interested in trying to improve this bill; they simply want to reject this bill”. The Manager of Opposition Business in the House, Julia Gillard (Abbott’s opposition counterpart), had noted that “more than 20 Labor members are going to be silenced by this motion which is gagging debate”, and when Abbott moved to put the question, “and, here we go, we are going to have a gag on a gag. You’re proud of that, are you? You’re proud of that?”

As Annette Ellis amongst others was one of the aforementioned speakers who had not the time to speak in the debate, she asked whether she could incorporate her speech into Hansard — the Government granted leave for all speakers who intended to speak but could not to incorporate their speeches into Hansard.

In the consideration in detail stage, the Federal Opposition had moved a number of amendments to the legislation, one which would effectively — as Stephen Smith had put it — “kill the bill”, another which would rename the bill to the “Workplace Relations Amendment (Cut Wages, Cut Conditions and Entitlements, No Fairness, No Work Choices) Bill 2005”, but this amendment was ruled out of order by the Speaker of the Australian House of Representatives, David Hawker.

These amendments failed due to the Government majority in the house, and subsequently the bill was successfully read a third time.

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Copiapó, Chile mining accident: in depth

Wednesday, October 13, 2010

The rescue of the Chilean miners trapped in the San José Mine in Copiapó, codenamed Operación San Lorenzo (San Lorenzo Operation), began on Tuesday night, at around 20:00 local time (23:00 UTC).

Florencio Ávalos was the first miner to be rescued, at 00:12 local time (03:12 UTC) on Wednesday. He was wearing a shirt signed by all his fellow miners. “The first miner is already with us. We saw it all, him hugging his wife Monica and his son Byron,” said President Piñera shortly after the first rescue. “We still have a long journey.”

“This will be recorded on every single Chilean heart forever,” Piñera added. “I hope the miners’ hope stay with us, just like the [February] earthquake victims’ [hope] and what the earthquake took off. We know that the disasters unite us all.”

All the 33 miners were rescued. The last miner, Luis Urzúa, was rescued at 21:55 Chile time (00:55 UTC). “It is a pleasure to be Chilean, [I’m] proud,” said Luis Urzúa to President Piñera. “In honour of the miners, their families, the rescuers […] let’s sing our national anthem. Viva Chile Mierda!,” said Piñera. Urzúa thanked Mining Minister Golborne and the First Lady Cecilia Morel for “fighting for their lives.” “I’m proud of my fellow miners,” Urzúa added.

Six rescuers, including a miner and a paramedic, descended to the miners’ shelter using the Fénix 3 capsule which was specially constructed for the rescue. They performed check-ups and talk with the miners before taking them back to the surface. The rescuers still don’t leave the mine.

The Fénix 3 capsules are 3.95 metres in height and weigh about 460 kilograms. They have an armour, an oxygen tube and a microphone. The occupants helmets contain an intercom to keep them in contact with the rescue team on the surface.

President of Chile Piñera assisted to the rescue. Bolivian President Evo Morales could not attend Carlos Mamani’s rescue. Mamani is the only Bolivian miner in the group.

A mass for the miners was conducted at 18:00 local time (21:00 UTC). The rescue takes between 15 and 20 minutes for each miner.

On Tuesday, Mayor of Copiapó Maglio Cicardini announced that the municipal schools in the city will have no classes this Wednesday “to transform the rescue of the Atacama’s 33 in a familiar meeting,” Radio Cooperativa reported.

“The miners will be taken to the Copiapó Regional Hospital for medical checkup, where they will have to stay for 48 hours,” Health Minister Mañalich said to Televisión Nacional de Chile.

Celebrations are taking place in several Chilean cities. In Santiago de Chile, people gathered in one of the most important points of the city, Plaza Italia. In Pichilemu, tens of cars are passing over its most important streets. In Copiapó, people gathered in its main square to assist a massive concert.

On August 5, 33 miners were trapped more than 700 meters (2,300 ft) underground, in the San José copper–gold mine, located about 40 kilometers north of Copiapó, Chile.

The youngest trapped miner is 19 years old, and the oldest is 63. There were several rescue attempts before reaching the miners’ shelter on August 22. The National Emergencies Office of Chile (ONEMI) released a list of the trapped miners on August 6, which included Franklin Lobos Ramírez, a retired footballer.

Chile is the worlds top producer of copper, according to The Economist. The San José Mine is owned by the San Esteban Mining Company (Empresa Minera San Esteban). The mine was closed down in 2007, after relatives of a miner who had died sued the company executives, but the mine was re–opened in 2008.

It was originally estimated that “it would take three to four months to complete the rescue of the trapped miners”. There were three plans to reach the miners: “Plan A” using a Strata 950 drill, “Plan B” using a Schramm T130XD drill, and “Plan C” using a RIG-422 drill. The first to reach the miners was “Plan B”, early on Saturday 9.

The last step of their rescue, announced by Health Minister Jaime Mañalich, was originally due to begin on Tuesday. Laurence Golborne, Minery Minister said “If it is possible, and the cement sets before and we don’t have any impediments to doing it, it would be wonderful,” in a press conference on Monday. The men will be extracted in a steel rescue capsule 54 cm (21 inches) in diameter.

On September 4, Chilean filmmaker Rodrigo Ortúzar announced plans to film a movie about the accident, called “Los 33” (“The 33”). The film will be released in 2011.

One miner is Bolivian, and the other 32 are Chilean.

Raúl Bustos, 40 years old, is an hydraulics engineer. He left his job in Talcahuano after the February 27 earthquake to work in the mine.

Daniel Herrera, 27 years old, is a lorry driver. He has acted as paramedic assistant in the mine. He said to La Tercera “the miners were unhappy with the psychologist in the rescue team.”

Claudio Acuña, miner, is fan of the Colo-Colo football club. The BBC reports he is aged 56, but El Comercio says he is 44.

Pedro Cortez is aged 24. He joined the mine with his friend Carlos Bugueño. Cortez is an electrician, and lost a finger in the mine a year ago.

File:Juan Aguilar with President Piñera.jpg

A native of Los Lagos, Juan Aguilar is 49 years old. Aguilar is married to Cristy Coronado, according to El Comercio. Aguilar works as a supervisor.

Mario Sepúlveda is a 39 years old electrician native of Parral; he is married. He has been the spokesman of the most of the miners’ videos. Mario Sepúlveda was the second miner to be rescued, on Wednesday at 01:10 local time (04:10 UTC).

Víctor Zamora is a 33 years old auto mechanic. Zamora is married to Jéssica Cortez, who confirmed she was pregnant while he was in the mine.

Osman Araya is 30 years old, and married. He began working as miner four months before the accident.

Florencio Ávalos is 31 years old. He is the brother of Renán Ávalos, who is also trapped in the mine. He worked as driver in San José. Ávalos filmed videos, sent later to his relatives.

Ávalos was the first miner to be rescued, on Wednesday at 00:10 local time (03:10 UTC).

Jorge Galleguillos, 56 years old, has worked all his life in the mine. He said in one video he was feeling unwell; he takes medication for hypertension.

Carlos Barrios is a 27 years old miner. His father, Antenor Barrios, told Agence France-Presse: “I find he’s very strong and has enthusiasm. He spoke loud and clear. I was excited.”

Franklin Lobos Ramírez is a 53 years old retired footballer. He played for Cobresal, Deportes Antofagasta, Club de Deportes Santiago Wanderers and Unión La Calera, and briefly for the Chile national football team. Lobos had worked as a truck driver in the mine.

Yonni Barrios, called “The Doctor”, is a 50 years old electrician. He has knowledge of first aid, and was given responsibility for monitoring the health of his colleagues. “I felt I was in hell,” Barrios said in a letter to his wife.

Carlos Bugueño, 27 years old, joined the mine with Pedro Cortez. Previously, he worked as a watchman.

Alex Vega Salazar is a 31 years old heavy machinery mechanic. He is married to Jessica Salgado, and celebrated his birthday in the mine on September 22.

Ariel Ticona is a 29 years old miner. His wife, Margarita gave birth to his daughter on September 14. She was named Esperanza (Hope), at Ticona’s request.

Richard Villarroel is a 27 years old mechanic from Coyhaique.

Edison Peña is a 34 years old miner. “I want to go out soon,” he said on his first contact with his relatives. “I want to be free, I want to see the sun,” he added. He is a fan of Elvis Presley.

Claudio Yáñez is 34 years old, and works as drill operator.

José Ojeda, 46 years old, is the master driller. Ojeda is widowed and diabetic.

Luis Urzúa is a 54 year old topographer. He is the shift-leader, and was the first miner to talk with authorities. He is known as Don Lucho among the miners. He draw plans of the area of the mine where they are trapped.

Urzúa will be the last miner to leave the mine.

José Henríquez is a 54 years old drill master. He is also an evangelical preacher, and has worked in mines for 33 years.

Víctor Segovia is a 48 years old electrician. He is in charge of writing down everything that happens in the mine.

Pablo Rojas is a 45 years old explosives loader. Married, he had been working less than six months in the mine.

Juan Illanes is a 51 year old miner. He was a sergeant in the Beagle border conflict between Chile and Argentina in 1978, the incident which almost provoked a war between the countries.

Illanes was rescued on Wednesday, at 02:07 local time (05:07 UTC).

Jimmy Sánchez, 19, is the youngest miner. He had been working in the mine for five months before the accident. His role is to check the temperature and humidity in the mine.

Samuel Ávalos is a 43 years miner. His wife Ruth said “he was addicted to the cocaine.” His role in the rescue is to check air quality in the area the miners are living. According to the BBC, “Ávalos has worked in the mine for five months.”

Mario Gómez, aged 63, is the oldest of the miners. He has worked 51 years as miner. His father was also a miner, and is nicknamed “El Navegao” (“The Sailed One”). He was thinking of retiring in November.

Gómez also wrote the message “Estamos bien en el refugio los 33” (“We are fine in the shelter the 33 [of us]”).

Segovia is 48 years old. He is married to Jessica Chille, who said “To hear his voice was a confort to my heart,” after talking with him for the first time in 24 days. His sister María, was nicknamed “La Alcaldesa” (“The Mayoress”) for her leading role at Campamento Esperanza. His father, Darío Senior, was trapped in a mine for a week, and suffered serious injuries after two other mining accidents, according to the BBC.

Carlos Mamani is a 23 years old heavy equipment operator. He is also the only non-Chilean miner; Mamani is Bolivian. He began working in the mine just five days before the accident.

He was rescued at 03:11 local time (06:11 UTC) on Wednesday.

Renán Ávalos is a 29 years old miner, single, who had been working for five months in the mine before the accident. Florencio Ávalos is his brother.

Omar Reygadas is a 56 year old electrician. He began working in the mine shortly before the accident.

Esteban Rojas is a 44 years old miner. Rojas is married to Jessica Yáñez.

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Instructions For Salton Yogurt Maker

Instructions For Salton Yogurt Maker By Atica Brewton

Making yogurt with the Salton Yogurt Maker is fun, easy and worry-free. A few things you’ll need are milk, powdered milk for thickening, a thermometer and a yogurt starter. Be sure your yogurt maker is clean before starting. It will provide a stable temperature for incubating the yogurt. In this article you will find the best instructions for Salton Yogurt Maker.

1. Add ½ cup of dry milk powder to 1 qt of whole or skim milk.

The milk should be heated on the stove to 185-190°F, stirring frequently.

2. While you’re waiting for the milk to heat, plug in your yogurt maker so it can be warming up.

3. Let the milk cool to 110-115°F. I usually place the pot in a large bowl of ice water, stirring the milk until it’s cooled to the right temperature.

4. Pour about 1/3 of the milk into a separate clean container and add ½ cup of plain yogurt with active cultures or 1 pack of yogurt starter. Stir until mixed evenly.

5. Pour this starter mix into the remaining milk and stir.

6. Finally, pour the milk into your pre-heated yogurt maker.

7. You should allow the yogurt to incubate 6-12 hours. The longer it is heated, the more tart the taste.

8. When the batch is done, put the container in the frigerator and allow it to cool for several hours or overnight. The yogurt will thicken as it cools.

Now you have a wonderfully delicious batch of plain yogurt. If you like it flavored, add some maple syrup, honey, fruit or jam.

Homemade yogurt is a healthy alternative to store-bought brands. You have control over the ingredients and there’s no risk of eating unhealthy additives and sugars. The Salton Yogurt Maker is inexpensive and easy to use. You don’t have to part with large sums of your hard-earned money for a more expensive unit. Making homemade yogurt is exciting and I hope you find these instructions for Salton Yogurt Maker useful.

The author’s website Yogurt Maker Enthusiast features tips on yogurt, using a yogurt maker, yogurt starters and homemade yogurt recipes.

On the campaign trail, June 2012

Thursday, July 5, 2012

The following is the eighth in a monthly series chronicling the U.S. 2012 presidential election. It features original material compiled throughout the previous month after a brief mention of some of the month’s biggest stories.

In this month’s edition on the campaign trail, a Green Party presidential candidate who announced his 2012 plans to Wikinews four years ago speaks to Wikinews once again, the candidate leading the California American Independent Party presidential primary discusses his campaign, and Wikinews explores whether Senator Rand Paul of Kentucky will be selected as the Republican Party vice presidential nominee.

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Paramedics protest outside New South Wales parliament

Tuesday, July 22, 2008

Paramedics employed by the Ambulance Service of New South Wales in Australia marched on the New South Wales parliament today. They called for the Government to sack Ambulance Service of New South Wales CEO Greg Rochford, hire 300 additional ambulance officers and 60 patient transport officers. Paramedics gave the Government 48 hours to agree to the proposed staffing levels or face industrial action.

“We are currently at the same levels of staffing that we had in 2002 and these not withstanding, also there’s been an increase in workload of 5 per cent per year every year since then,” said Health Services Union general secretary Michael Williamson.

The union also called for chief executive Greg Roachford and other senior management to be sacked over what has been described as a culture of bullying.

Retrieved from “https://en.wikinews.org/w/index.php?title=Paramedics_protest_outside_New_South_Wales_parliament&oldid=772703”

UK’s ITV cancels police drama “The Bill” after 27 years

Friday, March 26, 2010

British television network ITV announced today that it will cancel long running police drama The Bill. The Bill is one of the United Kingdom’s longest running drama series, having premiered the pilot episode, entitled “Woodentop”, in 1983.

The series has suffered from declining ratings despite an overhaul in 2009 which included a move to a post-watershed time slot. In a statement, ITV announced that the cancellation was part of a “creative rethink” and that the money saved from the cancellation would be put towards shorter-term dramas. ITV’s Peter Fincham said that “The Bill has been a fixture on our screens for more than 25 years and has been the home of some of the UK’s best serial drama storylines, and a great showcase for terrific scriptwriting and fine acting talent. But times change, and so do the tastes of our audience.” Fincham went on to explain that the decision to cancel the series was a “creative decision” rather than one intended to cut costs.

Ninety people are currently employed on the production team for The Bill and production company Talkback Thames announced that there was a possibility of a “significant number of redundancies”, but the company is entering into consultation with employees. The current series will end later in 2010 and ITV will not be recommissioning it. Investing in shorter-run dramas, ITV announced that, inter alia, a new short series written by Anthony Horowitz is forthcoming.

Retrieved from “https://en.wikinews.org/w/index.php?title=UK%27s_ITV_cancels_police_drama_%22The_Bill%22_after_27_years&oldid=2715787”

TD Financial to acquire Hudson United Bancorp

Tuesday, July 12, 2005

Canadian TD Financial Group has come to a deal with the regional U.S. bank, Hudson United Bancorp, to buy Hudson for US$1.9 billion. The new addition will be folding into itsMaine-based TD Banknorth, which is 51% owned by TD Financial. The acquisition will bring in 204 new branches and increase TD’s footprint to New Jersey, New York, Connecticut and Pennsylvania. In total this will give TD 590 branches, 751 banking machines and more than US$26-billion in deposits across eight northeastern states.

Hudson specialises in commercial real estate, consumer and credit card loans to individuals and businesses. The bank also had $8.85 billion US in assets at the end of it’s first quarter, on March 31. The company’s shares had been dropping in the course of the past year because of allegations of money-laundering violations and after an earnings warning, making it a good steal for TD. The acquisition will greatly increased TD’s influence in America.

This continues the recent trend for Canadian banks expanding into the U.S. where regulation on bank mergers is less strict than in their home country.

“This transaction delivers on our shared vision for growth and marks a significant milestone in TD Banknorth’s expansion strategy,” TD Bank CEO and president Ed Clark said in a statement.

Retrieved from “https://en.wikinews.org/w/index.php?title=TD_Financial_to_acquire_Hudson_United_Bancorp&oldid=1093868”

Life After Lap Band}

Life after LapBand

by

Dr. K. Huguet, MD

LapBand surgery is growing in popularity across the United States. So far, more than 150,000 people have had the weight loss surgery and that number is increasing each year. This type of bariatric surgery is meant for only the morbidly obese – people who are more than 100 pounds overweight or who are twice their ideal body weights.

Bariatric surgery is just the first step toward a new healthy life. What patients do after surgery is just as important – if not more important – than what the LapBand surgeon does. The effectiveness of the surgery depends upon the ability of the patient to change his or her diet and eating behavior.

Bariatric surgeons and their clinicians are dedicated to providing long term care for weight loss surgery patients. Often this commitment includes dietary and behavior modification suggestions as well as counseling support. Patients must attend between three and four follow up visits in the first year after their surgery to make sure they are on the path to recovery. These visits can include a review of the patient’s progress and a discussion of concerns or problems the patient is experiencing.

Each LapBand surgery patient is encouraged to eat a balanced diet and avoid problematic eating patterns that are characteristic of their previous lifestyle. A restrictive band that is placed around the stomach helps patients feel satisfied sooner and longer. The band is meant to reinforce good eating habits and the patient’s ability to be content with smaller meals. The LapBand will teach patients to eat solid food and make sure every bite is well chewed.

LapBand patients are also encouraged to incorporate physical activity and exercise into their routine when recommended by their physician. This will improve weight loss and overall health while building a better quality of life.

Use the following guide as an outline of what foods to eat, what foods to avoid and how to begin eating again once the LapBand is in place.

Immediately after the LapBand surgery, patients should sip water and eat ice cubes. For the following week, water and liquids with some calories are allowed, but patients should avoid drinking too much at once.

One to two weeks after the bariatric surgery, patients can drink thin liquids and clear broths. That means no vegetables, meat or cream in the broths. Skim or soy milk, sugarless popsicles and approved meal replacement shakes are also acceptable during this time.

For weeks three to four, patients should eat pureed foods that are similar to baby food. Make meals with proteins first, then slowly introduce vegetables into the diet.

At five weeks after LapBand surgery, patients can begin to eat soft foods; this includes tender cooked meats, fish, soft poached eggs and scrambled eggs. All meats should be chewed well to avoid obstructions. Patients should try to eat one to two ounces of meat or fish a day, one to two servings of fruit, one small portion of low sugar hot or cold cereal and a maximum of two cups of milk or low fat yogurt. All fats, such as butter and mayonnaise, should be eaten in extreme moderation.

Moving forward, patients are encouraged to eat the following foods:

Fresh fruit and vegetablesWhole wheat breadLow sugar cerealWhite meat chickenGround turkey breastFishSkim milkLow fat or fat free yogurtCalorie free beverages

The following foods should be avoided while the patient still has the LapBand:

Seeds or skin of fruits and vegetablesUntoasted or doughy breadBiscuits or white breadDry meatShrimpHigh fat cooking methodsJamDried fruitFried foodPeanut butterCorn, asparagus, broccoli and celeryNutsCoconutsPopcornCitrus fruit membranesFollowing these simple guidelines will ensure your LapBand surgery is a successful one.

Dr. Kevin Huguet, MD, of Bay Surgical Specialists, a group practice of board-certified surgeons specializing in general surgery,

bariatric surgery

and

lap band surgery Tampa

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Life after LapBand}

Chula Vista, California becomes model for blight control laws in the US

Tuesday, October 14, 2008

The San Diego, California suburb of Chula Vista has responded to the recent housing crisis with an aggressive blight control ordinance that compels lenders to maintain the appearance of vacant homes. As foreclosures increase both locally and throughout the United States, the one year old ordinance has become a model for other cities overwhelmed by the problem of abandoned homes that decay into neighborhood eyesores.

Chula Vista city code enforcement manager Doug Leeper told the San Diego Union Tribune that over 300 jurisdictions have contacted his office during the past year with inquiries about the city’s tough local ordinance. Coral Springs, Florida, and California towns Stockton, Santee, Riverside County, and Murietta have all modeled recently enacted anti-blight measures after Chula Vista’s. On Wednesday, 8 October, the Escondido City Council also voted to tighten local measures making lenders more accountable for maintenance of empty homes.

Lenders will respond when it costs them less to maintain the property than to ignore local agency requirements.

Under the Chula Vista ordinance lenders become legally responsible for upkeep as soon as a notice of mortgage default gets filed on a vacant dwelling, before actual ownership of the dwelling returns to the lender. Leeper regards that as “the cutting-edge part of our ordinance”. Chula Vista also requires prompt registration of vacant homes and applies stiff fines as high as US$1000 per day for failure to maintain a property. Since foreclosed properties are subject to frequent resale between mortgage brokers, city officials enforce the fines by sending notices to every name on title documents and placing a lien on the property, which prevents further resale until outstanding fines have been paid. In the year since the ordinance went into effect the city has applied $850,000 in fines and penalties, of which it has collected $200,000 to date. The city has collected an additional $77,000 in registration fees on vacant homes.

Jolie Houston, an attorney in San Jose, believes “Lenders will respond when it costs them less to maintain the property than to ignore local agency requirements.” Traditionally, local governments have resorted to addressing blight problems on abandoned properties with public funds, mowing overgrown lawns and performing other vital functions, then seeking repayment afterward. Chula Vista has moved that responsibility to an upfront obligation upon lenders.

That kind of measure will add additional costs to banks that have been hit really hard already and ultimately the cost will be transferred down to consumers and investors.

As one of the fastest growing cities in the United States during recent years, Chula Vista saw 22.6% growth between 2000 and 2006, which brought the city’s population from 173,556 in the 2000 census to an estimated 212,756, according to the U.S. Census Bureau. Chula Vista placed among the nation’s 20 fastest growing cities in 2004. A large proportion of local homes were purchased during the recent housing boom using creative financing options that purchasers did not understand were beyond their means. Average home prices in San Diego County declined by 25% in the last year, which is the steepest drop on record. Many homeowners in the region currently owe more than their homes are worth and confront rising balloon payment mortgages that they had expected to afford by refinancing new equity that either vanished or never materialized. In August 2008, Chula Vista’s eastern 91913 zip code had the highest home mortgage default rate in the county with 154 filings and 94 foreclosures, an increase of 154% over one year previously. Regionally, the county saw 1,979 foreclosures in August.

Professionals from the real estate and mortgage industries object to Chula Vista’s response to the crisis for the additional burdens it places on their struggling finances. Said San Diego real estate agent Marc Carpenter, “that kind of measure will add additional costs to banks that have been hit really hard already and ultimately the cost will be transferred down to consumers and investors.” Yet city councils in many communities have been under pressure to do something about increasing numbers of vacant properties. Concentrations of abandoned and neglected homes can attract vandals who hasten the decline of struggling neighborhoods. Jolie Houston explained that city officials “can’t fix the lending problem, but they can try to prevent neighborhoods from becoming blighted.”

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CEO Robert Klein of Safeguard, a property management firm, told the Union Tribune that his industry is having difficulty adapting to the rapidly changing local ordinances. “Every day we discover a new ordinance coming out of somewhere”, he complained. Dustin Hobbs, a spokesman from the California Association of Mortgage Bankers agreed that uneven local ordinances are likely to increase the costs of lending. Hobbs advised that local legislation is unnecessary due to California State Senate Bill 1137, which was recently approved to address blight. Yet according to Houston, the statewide measure falls short because it fails to address upkeep needs during the months between the time when foreclosure begins and when the lender takes title.

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