Yay for Obama winning!!! Yay for California voting for the 'right' man for the job. :D
His site:
change.gov
Monday, November 10, 2008
Monday, November 3, 2008
Voting overseas for US expats
Why is voting overseas so difficult?
Interactive US election map
Also check out this site: If the whole world could vote
Not long till the election now!!
Interactive US election map
Also check out this site: If the whole world could vote
Not long till the election now!!
Monday, October 27, 2008
Access to voting information
With the election hotting up and only 8 days to go now Google have set up voting information. Check it out here!
Sunday, September 21, 2008
Saturday, September 20, 2008
Most stressful cities in the USA
America's most stressful cities - Forbes article
1. Chicago, Ill.
With 7.3% unemployment and a gallon of gas going for just under four bucks, the Windy City has some economic headwinds that result in a perfect storm for stress. Chi-town’s pollution problems (it ranked No. 7 in terms poor air quality) and lack of breathing room (it's No. 2 in terms of population density) couple to create a Midwestern Molotov cocktail of stress.
2. New York, N.Y.
New York City has the third least affordable housing when you look at local mortgages versus income, making it tough to get ahead. Whether you rent or own, you won’t have much space unless you are rolling in dough. The Big Apple is packed to the core, coming at No 1. in terms of population density with in 786 housing units per square mile. You can smell the ambition in this city, but you might smell something else. New York had the ninth worst air quality of the 40 major metro areas we looked at.
3. Detroit, Mich.
Detroit used to thrive as the epicenter of the American auto industry. But massive layoffs at Ford and General Motors contribute to a 9.4% employment rate, the highest in the e country. What's more, the industry that is now cutting jobs probably won’t offer to fix the pollution it created. Detroit was No. 9 on our ranking in terms of air quality. On the upside, the slack demand for homes has made housing cheap. Detroit has the second most affordable homes relative to income in the country.
4. Los Angeles, Calif.
Individuals living in the City of Angels deal with a 7.5% unemployment rate, the second least affordable homes relative to income in the country and the worst air quality in the country. Los Angelinos also have to fret about health concerns and often need to stay indoors when the smog gets really bad. Throw in expensive gas and this car-dependent city has a lot to stress about.
5. San Francisco, Calif.
There are 7.2 million residents in the City by the Bay, and they’ve got cause for stress. San Francisco ranks as the fourth least affordable city in terms of housing relative to income, and its citizens pay more per gallon of gas than anywhere else in the country. Tack in 359.8 housing units per square mile, the ninth highest population density of the 40 major metro areas we looked at, and you’ve a recipe for anxiety.
6. San Diego, California
The Southern California city known for its sunny Mediterranean climate, rich naval history and Latin flavor thanks to the border it shares with Mexico has got a problem: Its homes cost too much for those looking to buy, which makes it tough for residents to take out a mortgage and get ahead. This affordability issue has lead to a lot of buckled mortgages--a major source of stress for residents and local businesses. San Diego’s 6.4% unemployment rate, the tenth highest in our ranking, doesn’t help either.
7. Cleveland, Ohio
8. Salt Lake City, Utah
9. Providence, R.I.
10. Philadelphia, Pa
1. Chicago, Ill.
With 7.3% unemployment and a gallon of gas going for just under four bucks, the Windy City has some economic headwinds that result in a perfect storm for stress. Chi-town’s pollution problems (it ranked No. 7 in terms poor air quality) and lack of breathing room (it's No. 2 in terms of population density) couple to create a Midwestern Molotov cocktail of stress.
2. New York, N.Y.
New York City has the third least affordable housing when you look at local mortgages versus income, making it tough to get ahead. Whether you rent or own, you won’t have much space unless you are rolling in dough. The Big Apple is packed to the core, coming at No 1. in terms of population density with in 786 housing units per square mile. You can smell the ambition in this city, but you might smell something else. New York had the ninth worst air quality of the 40 major metro areas we looked at.
3. Detroit, Mich.
Detroit used to thrive as the epicenter of the American auto industry. But massive layoffs at Ford and General Motors contribute to a 9.4% employment rate, the highest in the e country. What's more, the industry that is now cutting jobs probably won’t offer to fix the pollution it created. Detroit was No. 9 on our ranking in terms of air quality. On the upside, the slack demand for homes has made housing cheap. Detroit has the second most affordable homes relative to income in the country.
4. Los Angeles, Calif.
Individuals living in the City of Angels deal with a 7.5% unemployment rate, the second least affordable homes relative to income in the country and the worst air quality in the country. Los Angelinos also have to fret about health concerns and often need to stay indoors when the smog gets really bad. Throw in expensive gas and this car-dependent city has a lot to stress about.
5. San Francisco, Calif.
There are 7.2 million residents in the City by the Bay, and they’ve got cause for stress. San Francisco ranks as the fourth least affordable city in terms of housing relative to income, and its citizens pay more per gallon of gas than anywhere else in the country. Tack in 359.8 housing units per square mile, the ninth highest population density of the 40 major metro areas we looked at, and you’ve a recipe for anxiety.
6. San Diego, California
The Southern California city known for its sunny Mediterranean climate, rich naval history and Latin flavor thanks to the border it shares with Mexico has got a problem: Its homes cost too much for those looking to buy, which makes it tough for residents to take out a mortgage and get ahead. This affordability issue has lead to a lot of buckled mortgages--a major source of stress for residents and local businesses. San Diego’s 6.4% unemployment rate, the tenth highest in our ranking, doesn’t help either.
7. Cleveland, Ohio
8. Salt Lake City, Utah
9. Providence, R.I.
10. Philadelphia, Pa
Thursday, September 11, 2008
La Jolla - most expensive community in America
The best places in San Diego blog just posted this article on La Jolla being named the most expensive community in America (in a study done by Coldwell Banker).
The article is here but what I found interesting were the comparisons between California and other states, and the USA to other countries and cities in those countries.
I have no idea where or how they got their data but in figures I've seen before I had no idea there was such a huge price gap between Sydney and Perth, or that Shanghai was that expensive for housing! Interesting... hmm...
The article is here but what I found interesting were the comparisons between California and other states, and the USA to other countries and cities in those countries.
I have no idea where or how they got their data but in figures I've seen before I had no idea there was such a huge price gap between Sydney and Perth, or that Shanghai was that expensive for housing! Interesting... hmm...
Tuesday, September 9, 2008
Japanese connection
There seems to be an Asian/Chinese/Japanese area in San Diego called Kearny Mesa. I just re-visted the San Diego Turtle blog where there was a clip of a Japanese supermarket and bookstore. Ahhhh bookstore! I am obsessed with bookstores and I LOVE Japanese art/craft/design books. They are so beautiful and awesome (I can only read a little bit but I get by on the pictures). When I was in Taiwan earlier this year I was constantly searching for Japanese stuff (surprisingly there is quite a lot of it).. I just love Japanese food, clothes, books, cosmetics/skin care. They make such awesome things which are cool and nice and beautiful and good quality!
Sunday, August 31, 2008
Long time no post (SSN revisited)
Related post
It's been a while since I posted in here. I haven't forgotten about this blog, I just haven't thought of anything interesting to write or post about!
I had a bit of a setback a few weeks ago when I turned up to the US consulate in Sydney and was told I couldn't go in without an appointment. It used to be that citizens didn't need one but now they do (since September 2007 apparently). So I had to be turned away. They gave me a little business card and told me to call this number to schedule an appointment.
I had to listen to 10 minutes of recordings only to be told to go to their website, or I could leave a message. Once I got to the part about leaving the message, I still had to listen to another 5 minutes of recorded messages. I was frustrated but persisted, but in the end noone called me back! Btw, the only time you can speak to a human operator is between 2-4pm Sydney time.
Anyway, I went to one of my favourite stores and a place where I knew had free internet, the Apple Store, on George St. I made an appointment for the soonest available date (20 August). However, then I later this was a bad move and it would not be wise to miss out my class that day, so I had to reschedule for another date, and now that date is in October. I looked and looked online and couldn't actually find out how to cancel my appointment(!!) so I just sent them an email and amazingly got a reply within a few minutes saying it had been cancelled for me. Since, there were obviously humans on the other side (LOL) I decided to shoot them another email asking them the correct procedure for doing all of this (just to double check) and this is what they had to say:
Since I already have all those documents and photocopies ready now all I have to do is wait for my date and turn up! Fingers crossed it's a speedy process towards the 3 month end and not 6 months!
It's been a while since I posted in here. I haven't forgotten about this blog, I just haven't thought of anything interesting to write or post about!
I had a bit of a setback a few weeks ago when I turned up to the US consulate in Sydney and was told I couldn't go in without an appointment. It used to be that citizens didn't need one but now they do (since September 2007 apparently). So I had to be turned away. They gave me a little business card and told me to call this number to schedule an appointment.
I had to listen to 10 minutes of recordings only to be told to go to their website, or I could leave a message. Once I got to the part about leaving the message, I still had to listen to another 5 minutes of recorded messages. I was frustrated but persisted, but in the end noone called me back! Btw, the only time you can speak to a human operator is between 2-4pm Sydney time.
Anyway, I went to one of my favourite stores and a place where I knew had free internet, the Apple Store, on George St. I made an appointment for the soonest available date (20 August). However, then I later this was a bad move and it would not be wise to miss out my class that day, so I had to reschedule for another date, and now that date is in October. I looked and looked online and couldn't actually find out how to cancel my appointment(!!) so I just sent them an email and amazingly got a reply within a few minutes saying it had been cancelled for me. Since, there were obviously humans on the other side (LOL) I decided to shoot them another email asking them the correct procedure for doing all of this (just to double check) and this is what they had to say:
If you have neither applied for a Social Security Number (SSN) nor has anybody applied on your behalf in the past, you may submit your application in person at the Consulate. If you believe you may have been issued a number in the past, you may contact the Social Security Administration Regional Office (SSA) at the U.S. Embassy, Manila, Philippines (0011 632 525 6481, Manila Time is approx. two to three hours behind Sydney Time) and confirm your identity with them. If you are able to satisfactorily establish your identity, SSA will forward your SSN to the Consulate and you must then schedule an appointment and appear with current photo identification to receive your number. We will also assist you with applying for a replacement card.
If you are certain that you have never received an SSN, you may schedule your appointment as a Notary Service and appear at the Consulate to submit your application. You must present the following original documentation at the appointment:
· Birth certificate
· Current photo identification
· Evidence to support all name changes, such as marriage certificates, divorce decrees, certificates/court orders of name change (if applicable)
· Progressive evidence of physical presence outside the United States from the earliest date of departure to present. This evidence must be submitted by U.S.-born applicants who resided outside the U.S. for an extended period. Evidence may include but is not limited to school records/transcripts and dated school photographs, real estate lease agreements, vehicle registrations, utility bill/statements, etc.
Please also provide one clear photocopy of each original document. We will review the originals, retain the photocopies and return the originals to you. We will forward the application and your supporting documents to SSA, Manila for processing which can take three to six months. SSA will respond to the address you indicate on your application.
Regards,
American Citizen Services
U.S. Consulate General, Sydney
Since I already have all those documents and photocopies ready now all I have to do is wait for my date and turn up! Fingers crossed it's a speedy process towards the 3 month end and not 6 months!
Wednesday, August 13, 2008
Healthy eating, healthy living
I've heard from various people and sources that most people in San Diego are into fitness and health, actually most of Southern California is. My guess is because the weather is so great and comfortable all year round (enabling you to do lots of outdoor activities) and Hollywood is nearby, everyone is quite image conscious and wants to look good! Actually I don't know what the reasons are but I like it.
I don't think I'm as fit as I could be but I think I'm pretty healthy. I don't smoke or drink alcohol, coffee or soda. I've never had a weight problem. I don't eat greasy food and haven't eaten McDonalds or fries in over a year. I rarely eat sweets or have dessert (but love chocolate!) I don't go to the gym (but I used to) and I currently live in a walkable neighborhood so try to walk wherever and whenever I can. I'm totally not obsessive about it though. I think a healthy body and healthy mind is very important though. I can't wait to go snorkeling in La Jolla!
Well anyway, in LA they have decided to ban all new fast food restaurants and give calorie listings for menu items.
Interesting...!
I don't think I'm as fit as I could be but I think I'm pretty healthy. I don't smoke or drink alcohol, coffee or soda. I've never had a weight problem. I don't eat greasy food and haven't eaten McDonalds or fries in over a year. I rarely eat sweets or have dessert (but love chocolate!) I don't go to the gym (but I used to) and I currently live in a walkable neighborhood so try to walk wherever and whenever I can. I'm totally not obsessive about it though. I think a healthy body and healthy mind is very important though. I can't wait to go snorkeling in La Jolla!
Well anyway, in LA they have decided to ban all new fast food restaurants and give calorie listings for menu items.
Interesting...!
Sunday, August 3, 2008
Big Mac index
From The Economist:
THE Big Mac Index is The Economist's light-hearted guide to exchange rates. The index is based on the theory of purchasing-power parity, which says that exchange rates should move to make the price of a basket of goods the same in each country. Our basket contains just one item, a Big Mac hamburger. The exchange rate that leaves a Big Mac costing the same everywhere is our fair-value yardstick. Many of the currencies in the Fed's major-currency index, including the euro, the British pound, Swiss franc and Canadian dollar, are overvalued and trading higher than last year's burger benchmark. Only the Japanese yen could be considered a snip. The dollar still buys a lot of burger in the rest of Asia too. China's currency is among the most undervalued, but a little bit less so than a year ago. The full index is available on our website by 7pm London time on Thursday July 24th.
Saturday, August 2, 2008
Walkable neighborhoods revisited
(green = walkable, red = car dependent)
I decided to revisit the Walkable neighborhoods website again.
Walk score San Diego rankings
It's such a cool site!
I figure there's plenty of time to have the 4 bedroom house with white picket fence and large yards but right now I'd be happy living in a convenient, walkable neighborhood in preferably a high-rise building.
Neighborhood Score
1 Core 96
2 Cortez Hill 95
3 Gaslamp Quarter 94
4 Marina 90
5 Little Italy 89
6 Park West 88
7 East Village 83
8 Kensington 82
9 Mission Valley 81
10 Midtown 81
11 Normal Heights 81
12 Rolando 78
13 Ocean Beach 75
14 North Hills 75
15 Pacific Beach 74
16 West University Heights 73
17 La Jolla Village 71
18 Kearny Mesa 71
19 Balboa Park 70
20 Carmel Mountain 69
21 Loma Portal 69
22 Old Town 69
23 College Area 68
24 City Heights West 68
25 Egger Highlands 67
26 Southcrest 66
27 City Heights East 66
28 Palm City 66
29 Clairemont Mesa 65
30 Roseville 65
31 Memorial 65
32 Talmadge 64
33 Grant Hill 64
34 North Clairemont 64
35 El Cerritos 63
36 Midtown District 63
37 Mountain View 63
38 Darnall 62
39 Lincoln Park 62
40 Bird Land 62
41 Moreno Mission 61
42 Chollas View 61
43 Bay Park 60
44 University City 60
45 Grantville 60
46 Oak Park 59
47 Linda Vista 58
48 Mount Hope 57
49 Bay Ho 56
50 Mira Mesa 56
51 Torrey Pines 55
52 La Jolla 55
53 Webster 54
54 Mission Bay 53
55 Del Cerro 53
56 South Park 53
57 Carmel Valley 52
58 Serra Mesa 51
59 Nestor 50
60 North City 50
61 Lake Murray 48
62 San Ysidro 48
63 Bario Logan 47
64 Valencia Park 47
65 Allied Gardens 44
66 Emerald Hills 44
67 Del Mar Heights 44
68 San Carlos 42
69 Paradise Hills 42
70 Jomacha-Lomita 42
71 Sorrento Valley 42
72 Tierrasanta 40
73 Rancho Penasquitos 38
74 Rancho Bernadino 37
75 Sky Line 36
76 Sabre Springs 36
77 Wooded Area 34
78 Encanto 33
79 Gateway 33
80 Alta Vista 31
81 Scripps Ranch 31
82 Bay Terrace 29
83 Miramar 10
Is it a coincidence that the most walkable areas are also some of the most expensive? ;)
Earthquake should be San Diego wake-up call
Signs on San Diego news link
...Over the past few years, small earthquakes have hit near Borrego Springs, Julian, Coronado, off La Jolla and near Mexicali in northern Baja. Yesterday's quake was larger, but still fairly routine, experts said.
“This will happen anywhere in Southern California every so often,” said Jean-Bernard Minster, a geophysics professor at the Scripps Institution of Oceanography.
Though the area isn't as seismically active as Los Angeles and San Francisco, fault lines run throughout the county. One, the Rose Canyon fault, goes through the city of San Diego. Not only that, but other fault lines near the region – especially the San Jacinto and San Andreas faults to the east – could cause considerable damage here if they unleash quakes.
Minster said geologists are especially concerned about the southern portion of the San Andreas fault, which extends roughly from the Salton Sea to Wrightwood. That portion usually breaks every 220 years or so but hasn't done so since 1680, he said...
Thursday, July 31, 2008
Museums in San Diego
A selection of the wonderful museum offerings in San Diego... enjoy!
San Diego Natural History Museum
Address:
1788 El Prado,
San Diego,
CA 92101
Phone:
619.232.3821
Museum Hours:
Daily 10 AM – 5 PM
The Museum is closed on Thanksgiving and Christmas Day.
Admission Prices:
General Admission (Giant-screen theater included with admission)
Adult $13
Senior (62+) $11
Active military, youth (13–17), student (with ID) $8
Child (3–12) $7
Child 2 and under FREE
Museum of Contemporary Art, San Diego
Address:
700 Prospect Street
La Jolla,
CA 92037-4291
Phone:
858 454 3541 (24-hour recorded information)
Hours:
11 AM - 5 PM Friday through Tuesday
11 AM - 7 PM Thursdays
Closed Wednesday
Admission:
General Admission $10
Military/Seniors $5
25 and under Free
25 and under free is generously supported by QUALCOMM.
MCASD Members Free
Admission is valid for 7 days at all MCASD locations.
Free Museum admission Thursday evenings from 5 to 7 PM
Maritime Museum of San Diego
Street Address:
Maritime Museum of San Diego
1492 North Harbor Drive
San Diego, CA 92101
Phone :
619-234-9153
Hours of Operation:
Open every day of the year
9:00 a.m. - 8:00 p.m.
(open until 9:00 p.m. Memorial Day - Labor Day)
General Admission*:
Adults $14
Seniors (62 and over) $11
Active Military (with valid military ID) $11
Children (6-17) $8
Children 5 and under are free
Museum members are always free
San Diego Art & Space Museum, Balboa Park
Address:
San Diego Air & Space Museum
2001 Pan American Plaza
Balboa Park, San Diego, CA 92101
Phone:
(619) 234-8291
Regular Hours of Operation:
* The Museum will be open normal hours this year on New Years Day.
* Normal Hours**
* 10:00 a.m. - 4:30 p.m.
* With admission until 4:00 p.m.
* Summer Hours
* (Memorial Day through Labor Day):
* 10:00 a.m. - 5:30 p.m.
* With admission until 5:00 p.m.
* Closed:Thanksgiving Day and Christmas Day
Regular Museum Admission Fees:
* Adults (12 and over): $15
* Senior/Student/Retired Military w/ ID: $12
* Youth: (3-11 years)* $6
* Flight Adventure Center: $5 for 20mins
* Doron Simulator: $4 per person
* Max Flight Simulator: $6 person $12 solo
* Combo Ride - One ride on each simulator: $8 per person
* SDASM Members: FREE
* Children 3 and Under: FREE
* Active Duty Military: FREE
* Restoration Tours - Adult:** $5
* Restoration Tours - Senior/Student:** $4
* Restoration Tours - Junior:** $3
San Diego Museum of Art, Balboa Park
LOCATION
San Diego Museum of Art
1450 El Prado
Balboa Park
San Diego, California
PHONE
(619) 232-7931
MUSEUM HOURS
Tuesday through Sunday
10 a.m. to 6 p.m.
Thursdays
10 a.m. to 9 p.m.
Memorial Day through Labor Day
(Extended through September 25, 2008!)
Museum Admission Prices
ADMISSION
Members Free
Adults $10
Seniors (65+) and Military $8
Students with ID $7
Youths (6-17) $4
Children 5 and under Free
The museum of photographic arts, Balboa Park
Address:
1649 El Prado, Balboa Park
San Diego, CA 92101
Phone:
619-238-7559 (Phone)
Directions:
MoPA is located in the Casa De Balboa building, east of the main traffic circle and central fountain.
Hours:
Galleries
Open: Tuesday through Sunday 10:00am – 5:00pm
*Closed Mondays
(*Hours vary during Special Events)
Closed: Every Monday, Thanksgiving Day, December 25th, January 1st, and July 4th. Galleries close at 2pm on December 24th and December 31st.
Administrative offices
Closed on Thanksgiving, Friday after Thanksgiving, December 25th (with intermittent days closed the week of Christmas through New Year's), January 1st, Martin Luther King Day, Presidents’ Day, Memorial Day, July 4th, and Labor Day.
Admission Prices:
Gallery Admissions:
$6 adults
$4 students, seniors and military
FREE to members and children under 12. Become a member.
FREE to public on the second Tuesday of the month
FREE to school groups with advanced reservation
Film Admissions vary. See the film pages for admission information.
Museum of San Diego history
Address:
1649 El Prado, Suite #3
San Diego, CA 92101
Phone:
(619) 232- 6203
Opening hours:
Daily, 10am – 5pm. Closed Thanksgiving, Christmas and New Year’s Day.
Admission Prices:
$5 Adults,
$4 Seniors (65+), Students and Military (I.D. required),
$2 children ages 6-17,
Free children under 6.
San Diego Historical Society members receive unlimited free admission.
San Diego Automotive Museum, Balboa Park
Address:
San Diego Automotive Museum
2080 Pan American Plaza
San Diego, CA 92101-1636
Phone:
619-231-2886
San Diego Museum of Man
Address:
San Diego Museum of Man
1350 El Prado
Balboa Park
San Diego, California 92101-1616
Phone:
(619) 239-2001
Opening hours:
Open daily:
10 a.m. to 4:30 p.m.
Closed:
Thanksgiving
Christmas
New Year's Day
Admission Fees:
Adults – $10.00
Youth (ages 13-17 years) – $7.50
Children (ages 3-12 years) – $5.00
Seniors (62+) – $7.50
Students (with ID) – $7.50
Active Military (with ID) – $7.50
Children under 3 – FREE
Members – FREE
California Surf Museum
Address:
California Surf Museum
223 N. Coast Highway Oceanside, CA 92054
Phone:
(760) 721-6876
Hours:
Open Daily 10am to 4pm Except Major Holidays.
Admission:
Free, Donations Welcome!
More museums inside Balboa Park listed here.
San Diego Natural History Museum
Address:
1788 El Prado,
San Diego,
CA 92101
Phone:
619.232.3821
Museum Hours:
Daily 10 AM – 5 PM
The Museum is closed on Thanksgiving and Christmas Day.
Admission Prices:
General Admission (Giant-screen theater included with admission)
Adult $13
Senior (62+) $11
Active military, youth (13–17), student (with ID) $8
Child (3–12) $7
Child 2 and under FREE
Museum of Contemporary Art, San Diego
Address:
700 Prospect Street
La Jolla,
CA 92037-4291
Phone:
858 454 3541 (24-hour recorded information)
Hours:
11 AM - 5 PM Friday through Tuesday
11 AM - 7 PM Thursdays
Closed Wednesday
Admission:
General Admission $10
Military/Seniors $5
25 and under Free
25 and under free is generously supported by QUALCOMM.
MCASD Members Free
Admission is valid for 7 days at all MCASD locations.
Free Museum admission Thursday evenings from 5 to 7 PM
Maritime Museum of San Diego
Street Address:
Maritime Museum of San Diego
1492 North Harbor Drive
San Diego, CA 92101
Phone :
619-234-9153
Hours of Operation:
Open every day of the year
9:00 a.m. - 8:00 p.m.
(open until 9:00 p.m. Memorial Day - Labor Day)
General Admission*:
Adults $14
Seniors (62 and over) $11
Active Military (with valid military ID) $11
Children (6-17) $8
Children 5 and under are free
Museum members are always free
San Diego Art & Space Museum, Balboa Park
Address:
San Diego Air & Space Museum
2001 Pan American Plaza
Balboa Park, San Diego, CA 92101
Phone:
(619) 234-8291
Regular Hours of Operation:
* The Museum will be open normal hours this year on New Years Day.
* Normal Hours**
* 10:00 a.m. - 4:30 p.m.
* With admission until 4:00 p.m.
* Summer Hours
* (Memorial Day through Labor Day):
* 10:00 a.m. - 5:30 p.m.
* With admission until 5:00 p.m.
* Closed:Thanksgiving Day and Christmas Day
Regular Museum Admission Fees:
* Adults (12 and over): $15
* Senior/Student/Retired Military w/ ID: $12
* Youth: (3-11 years)* $6
* Flight Adventure Center: $5 for 20mins
* Doron Simulator: $4 per person
* Max Flight Simulator: $6 person $12 solo
* Combo Ride - One ride on each simulator: $8 per person
* SDASM Members: FREE
* Children 3 and Under: FREE
* Active Duty Military: FREE
* Restoration Tours - Adult:** $5
* Restoration Tours - Senior/Student:** $4
* Restoration Tours - Junior:** $3
San Diego Museum of Art, Balboa Park
LOCATION
San Diego Museum of Art
1450 El Prado
Balboa Park
San Diego, California
PHONE
(619) 232-7931
MUSEUM HOURS
Tuesday through Sunday
10 a.m. to 6 p.m.
Thursdays
10 a.m. to 9 p.m.
Memorial Day through Labor Day
(Extended through September 25, 2008!)
Museum Admission Prices
ADMISSION
Members Free
Adults $10
Seniors (65+) and Military $8
Students with ID $7
Youths (6-17) $4
Children 5 and under Free
The museum of photographic arts, Balboa Park
Address:
1649 El Prado, Balboa Park
San Diego, CA 92101
Phone:
619-238-7559 (Phone)
Directions:
MoPA is located in the Casa De Balboa building, east of the main traffic circle and central fountain.
Hours:
Galleries
Open: Tuesday through Sunday 10:00am – 5:00pm
*Closed Mondays
(*Hours vary during Special Events)
Closed: Every Monday, Thanksgiving Day, December 25th, January 1st, and July 4th. Galleries close at 2pm on December 24th and December 31st.
Administrative offices
Closed on Thanksgiving, Friday after Thanksgiving, December 25th (with intermittent days closed the week of Christmas through New Year's), January 1st, Martin Luther King Day, Presidents’ Day, Memorial Day, July 4th, and Labor Day.
Admission Prices:
Gallery Admissions:
$6 adults
$4 students, seniors and military
FREE to members and children under 12. Become a member.
FREE to public on the second Tuesday of the month
FREE to school groups with advanced reservation
Film Admissions vary. See the film pages for admission information.
Museum of San Diego history
Address:
1649 El Prado, Suite #3
San Diego, CA 92101
Phone:
(619) 232- 6203
Opening hours:
Daily, 10am – 5pm. Closed Thanksgiving, Christmas and New Year’s Day.
Admission Prices:
$5 Adults,
$4 Seniors (65+), Students and Military (I.D. required),
$2 children ages 6-17,
Free children under 6.
San Diego Historical Society members receive unlimited free admission.
San Diego Automotive Museum, Balboa Park
Address:
San Diego Automotive Museum
2080 Pan American Plaza
San Diego, CA 92101-1636
Phone:
619-231-2886
San Diego Museum of Man
Address:
San Diego Museum of Man
1350 El Prado
Balboa Park
San Diego, California 92101-1616
Phone:
(619) 239-2001
Opening hours:
Open daily:
10 a.m. to 4:30 p.m.
Closed:
Thanksgiving
Christmas
New Year's Day
Admission Fees:
Adults – $10.00
Youth (ages 13-17 years) – $7.50
Children (ages 3-12 years) – $5.00
Seniors (62+) – $7.50
Students (with ID) – $7.50
Active Military (with ID) – $7.50
Children under 3 – FREE
Members – FREE
California Surf Museum
Address:
California Surf Museum
223 N. Coast Highway Oceanside, CA 92054
Phone:
(760) 721-6876
Hours:
Open Daily 10am to 4pm Except Major Holidays.
Admission:
Free, Donations Welcome!
More museums inside Balboa Park listed here.
Wednesday, July 30, 2008
Los Angeles earthquake
So it was reported about 13 hours ago that a strong earthquake hit Los Angeles sending shocks throughout California (including San Diego) and even to Las Vegas. It had a magnitude of 5.4 on the richter scale. Thankfully noone was injured or killed. Earthquakes are such incredibly destructive things. I hope that's the end we hear of that!
Potential expat Aussies with the greenback blues
An interesting report by the Sydney Morning Herald
Interesting article. I love the chart comparing prices!
Interesting article. I love the chart comparing prices!
July 29, 2008
FOR decades it has lured some of Australia's best and brightest to foreign shores - drawing them with the promise of spending power that made their local currency look weak.
But the US greenback is being challenged by the Australian dollar, and it is making expatriates think twice about where to pitch their tents and what they can afford to put in them.
Recruitment agencies, expatriate organisations and industry groups say working in the US may not carry the attraction it used to for Australians.
Some are choosing instead to go to Europe, others are seeking different salary packages, while a few are even asking to be paid in Australian dollars.
"Roughly a third of Australians who emigrate do so primarily to increase their income, so the value of the US dollar is definitely a consideration," said Daniel Tehan, director of trade and international affairs at the Australian Chamber of Commerce and Industry.
"There are a whole range of factors which influence the decision about where to work, but if you can make twice as much because of the exchange rate in Europe, you would have to take that into account."
Australian Bureau of Statistics figures show that although the US remains one of the most popular destinations for Australians wanting to live overseas, the number of new arrivals is declining. About 340 fewer Australians travelled to the US to live in the past year than did so in the 12 months before.
The number moving to Britain rose by 780 over the same period, while those bound for China rose by 264. Those who do go to the US are asking for higher salaries to compensate for the poor exchange rate or leaning more towards packages with housing and holidays.
"You do hear about people asking for the car, the rent, the childcare rather than a straight salary," said Tim Oberg, Europe manager for the Australian expatriate organisation Advance.
"We joke that America is the new Thailand: a great place for a cheap holiday."
Expats in the US whose pay cheques come from home are revelling in the spending power. It is cheaper for an Australian to live in San Francisco than here.
A comparison of the two cities shows both have had soaring rents and house prices in recent years, with San Francisco's median house price of $500,000 not far behind Sydney's $550,000. Median household incomes are even closer, with Sydney ($63,000) slightly behind those in the US ($65,000).
But the price of petrol, luxury items, clothing and alcohol in the US has turned San Francisco into a bargain basement for Australians.
Judith Scrimshaw, who moved to San Francisco from Perth in February and is paid in Australian dollars, said many items were much cheaper: "You can buy a Revlon lipstick for $5 which would cost you $18 in Australia."
On the other side of the coin, another expat, Tim O'Connor, is paid in US dollars and would think twice about doing the same again: "A lot of Australians want to come to the US, make some good money and go home; it wouldn't make sense to do that with the current exchange rate."
Monday, July 28, 2008
Going Global - Jobs that take you around the world
A few weeks ago I borrowed this book from the library. It wasn't something I was looking for, but something I stumbled upon by accident.
You can actually read large extracts of it here on the Google books site.
I'm not sure if there are any Aussies reading my blog but I say if you are young, and single, or even if you are just young(ish) with no kids - do it! I would say that 99% of people would not regret having moved/lived overseas for some time of their life.
This book is really helpful. It covers legalities, technicalities and features lots of interviews with people working in different fields in different countries.
I'll quote some interesting comments:
(page 38):
(page 51):
(page 57):
(page 60):
(page 76):
(page 89):
(page 103):
(page 110):
There is also lots of information on applying for jobs in general. I highly recommend it. It's a great read!
You can actually read large extracts of it here on the Google books site.
I'm not sure if there are any Aussies reading my blog but I say if you are young, and single, or even if you are just young(ish) with no kids - do it! I would say that 99% of people would not regret having moved/lived overseas for some time of their life.
This book is really helpful. It covers legalities, technicalities and features lots of interviews with people working in different fields in different countries.
I'll quote some interesting comments:
(page 38):
London has been undoubtedly the best thing I've ever done. I think immersing yourself in another culture - even one that your own culture is based upon - is a massively rewarding and eye-opening experience. Living away from the comforts of home forces you to learn and grown as a person. For me, it kind of puts the world (and where I belong) into perspective. I've always loved Australia and seeing through the eyes of another culture has, in a way, made me love it even more. What I never expected to happen is that I've grown to love England too, and I know I'll take that feeling home with me when I go.
(page 51):
It was very hard to adjust to the difference in lifestyle. Although the people in the UK are a lot like Australians (similar sense of humour, friendly), I found it hard to get used to the different climate. I know it sounds a bit silly, but a few friends who came to live and work in the UK chose to go home early, because they missed the beaches and outdoor lifestyle!
Having said that, I like living over here and the UK feels like home now - it is actually hard for me to remember what it was like to live and work in Australia!
(page 57):
What is the process of going overseas on a company transfer?
First of all, you need to secure a job, and this generally involves an internal interview and selection process. The company then arranges work permits, visas, and so on. Depending on the country it can take two to three months to have everything in order.
Once you arrive, it probably takes around three months to settle in and find your way around.
(page 60):
Are the Sydney and San Francisco offices similar to work in?
You'd think that, moving to another English-speaking country, you wouldn't encounter an language problems but some terms and phrases are not interchangeable! I often need to ask people exactly what they mean, to clarify things and thus avoid misunderstandings.
(page 76):
Any tips for people hoping to work in the USA?
The all-important thing is finding a way to work here. Once you've got the visa, definitely come. Australians are very well received. We always attract a crowd at parties, and a lot of business comes from referrals.
The day-to-day mechanics of life can be difficult at first. There are all these little things you have to stop and think about. But I love being a little bit different to everyone else!
(page 89):
There is an interview with Shawn Grogan - a senior research associate at the Scripps Research Institute but they spelt La Jolla La Jollas! Oh dear.
Is the life-work balance adequate?
Moving to California, starting a new job, purchasing a home with my wife and adapting to a new lifestyle - I would say that the balance has been all over the place. Now that I have been here one year, I would rate it as fair and I hope to spend more time with my wife - that would make it excellent.
I have flexible hours. There is no specific time when I should be in the lab, except for preplanned meetings. In most cases, I can take off time when needed. I do not have to see patients or stick to a fixed schedule. I can put my work in the freezer and come back to it later.
What do you do in your spare time?
Spend time with my wife. Home renovations. Go to the gym, swim and try to roller-blade. Hope to swim and go boogie boarding in the summer.
(page 103):
How did you go about the search for journalism work in Amsterdam?
When I arrived in the Netherlands, I had to start work urgently and was offered a job by my Dutch brother-in-law as an assistant air-conditioning installation mechanic. The funny thing is, I knew nothing about the trade, couldn't speak Dutch and was sent to work with a mechanic who couldn't speak English... The message is that the right job can be hard to come by overseas, so you have to be patient, play your cards right and build up contacts. Don't head overseas thinking it will be easy street because it's not. It's hard work, but rewarding work...
Contacts are a journalist's lifeblood. the media is a small world, where you are accepted on recommendations. I hire freelancers primarily via recommendations from other journalists I know. It is important to build good contacts and make sure you respect those contacts. Never burn bridges, as they say. I found my present job through and old colleague who put me in touch with financial news service Bridge (which later went bankrupt). Am Amsterdam Bridge employee eventually introduced me to Expatica.
(page 110):
What is it like living and working in other cultures?
...One benefit of being a foreigner in this situation is the 'expat' community - the support and understanding you receive from other foreigners might surprise you. Sometimes the sense of isolation is still a bit overwhelming. But in the case of Sweden, people seem delighted to introduce you to local customs, from kayaking to pagan festivals.
There is also lots of information on applying for jobs in general. I highly recommend it. It's a great read!
Saturday, July 26, 2008
Comic-Con San Diego 2008
One of the most exciting events to hit San Diego... is the Comic Convention 2008, held at the:
San Diego Convention Center
111 W. Harbor Drive
San Diego, CA 92101
Australian star Hugh Jackman made an appearance, as reported in the New York Times. It proved to be a highly successful and star studded event. Here is another report from the UK Times.
I wish I could be there! Make sure you go if you are in San Diego :)
Some nice pictures from my favorite photo site, Flickr:
Lego Batman and Robin - Michael_Soliman
Jabba the Hutt (Star Wars) - Michael_Soliman
Stargate - Jewel Staite, Robert Picardo and Richard Dean Anderson
People in costumes from Batman (The Huntress, The Joker, Poison Ivy, Plastic Man, and The Question) - Michael_Soliman
Some guy in a Shrek costume - Lantern Waste
San Diego Convention Center
111 W. Harbor Drive
San Diego, CA 92101
Australian star Hugh Jackman made an appearance, as reported in the New York Times. It proved to be a highly successful and star studded event. Here is another report from the UK Times.
I wish I could be there! Make sure you go if you are in San Diego :)
Some nice pictures from my favorite photo site, Flickr:
Lego Batman and Robin - Michael_Soliman
Jabba the Hutt (Star Wars) - Michael_Soliman
Stargate - Jewel Staite, Robert Picardo and Richard Dean Anderson
People in costumes from Batman (The Huntress, The Joker, Poison Ivy, Plastic Man, and The Question) - Michael_Soliman
Some guy in a Shrek costume - Lantern Waste
Thursday, July 24, 2008
America's Increasingly unaffordable cities
America's Increasingly unaffordable cities
America's Most Expensive Cities
1. New York, N.Y.
2. Los Angeles, California
3. Miami, Florida
4. Honolulu, Hawaii
5. San Francisco, California
6. Chicago, Illinois
7. White Plains, N.Y.
8. Houston, Texas
9. Boston, Massachusetts
10. Washington, D.C.
America's Most Expensive Cities
1. New York, N.Y.
2. Los Angeles, California
3. Miami, Florida
4. Honolulu, Hawaii
5. San Francisco, California
6. Chicago, Illinois
7. White Plains, N.Y.
8. Houston, Texas
9. Boston, Massachusetts
10. Washington, D.C.
The cost of living
Reuters writes that Moscow's living costs are now 1.5x as expensive as New York City's. It then goes on to say...
Time and time again I've read that San Diego is an 'expensive' city but coming from Sydney, I barely bat an eyelid. Also with the US Dollar going down, there has never been a better time to move there!
Mercer's 2008 report puts New York City at position #22 on the cost of living chart. It is beaten by (in order) Moscow, Tokyo, London, Oslo, Seoul, Hong Kong, Copenhagen, Geneva, Zurich, Milan, Osaka, Paris, Singapore, Tel Aviv, Sydney, Dublin, Rome, St Petersburg, Vienna, Beijing and Helsinki.
So given NYC is the most expensive place to live in the US, the fact that San Diego is still considered 'expensive' doesn't worry me in the slightest. Getting a decent-paying job is the main aim, and then the cost of living shouldn't matter as much... right? Afterall, it's all relative!
Mercer said currency trends accounted for many of this year's shifts in city rankings, with the rouble, euro, and several other currencies all gaining against the U.S. dollar and making U.S. cities in general seem comparatively cheaper.
"On the bright side, the U.S. dollar's loss of value may serve to attract globally mobile executives to business centres such as New York, Chicago and Los Angeles," said Mitch Barnes, another principal at Mercer.
"The difference in cost of living can be significant, particularly for those executives with families," he said.
Time and time again I've read that San Diego is an 'expensive' city but coming from Sydney, I barely bat an eyelid. Also with the US Dollar going down, there has never been a better time to move there!
Mercer's 2008 report puts New York City at position #22 on the cost of living chart. It is beaten by (in order) Moscow, Tokyo, London, Oslo, Seoul, Hong Kong, Copenhagen, Geneva, Zurich, Milan, Osaka, Paris, Singapore, Tel Aviv, Sydney, Dublin, Rome, St Petersburg, Vienna, Beijing and Helsinki.
So given NYC is the most expensive place to live in the US, the fact that San Diego is still considered 'expensive' doesn't worry me in the slightest. Getting a decent-paying job is the main aim, and then the cost of living shouldn't matter as much... right? Afterall, it's all relative!
Huge gorgeous photos
Here are some photos of gorgeous Balboa Park, La Jolla, University of Southern California (USC) and various other places.
Perfect weather...
Can't remember if I've mentioned it on this blog before but good, nice, sunny weather is really important to me. Humidity is also important. I tend to get nasty, itchy, red, blistery eczema the moment it becomes too humid or too dry. I could move to Queensland (Australia) which also has great weather and lots of sunshine but for me the population density is too low, and it's too humid there. I despise rain (yes I know we need it!) and cloudy days. I don't mind a few clouds but not totally overcast days. I find it really affects my mood and makes me grumpy.
For year-round great weather it doesn't really get much better than Hawaii IMHO but San Diego comes pretty close. It's colder overall than Honolulu but still great with few rainy days and not too humid and lots of sunshine (I'm just going by what I've read of course).
Some say it's the city (in the US) which has the best weather. Not only that, Mexico is a hop, skip and jump away and the snow and mountains and desert are not far away either. WHO WOULDN'T WANT TO LIVE THERE?
According to City Rating San Diego is one of the top 10 cities voted by readers (the others being Atlanta, New York city, Houston, Austin, Seattle, Denver, Charlotte and Boston - not in any particular order).
They also have extensive data on the weather in San Diego.
For year-round great weather it doesn't really get much better than Hawaii IMHO but San Diego comes pretty close. It's colder overall than Honolulu but still great with few rainy days and not too humid and lots of sunshine (I'm just going by what I've read of course).
Some say it's the city (in the US) which has the best weather. Not only that, Mexico is a hop, skip and jump away and the snow and mountains and desert are not far away either. WHO WOULDN'T WANT TO LIVE THERE?
According to City Rating San Diego is one of the top 10 cities voted by readers (the others being Atlanta, New York city, Houston, Austin, Seattle, Denver, Charlotte and Boston - not in any particular order).
They also have extensive data on the weather in San Diego.
Wednesday, July 23, 2008
Change of dates
OK so I wrote on April 18 of this year that I was going to move to San Diego in August, and now it's nearly August. Well lot of things have happened since April and unfortunately I can't go until early-mid next year. But I'm still going! I can't do all this research for nothing, right? I'm definitely going, even if it's the last thing I do ;)
Monday, July 21, 2008
Books: Who's your city?
Some books that I feel are relevant to me. They may be relevant to you too!
Who's Your City?: How the Creative Economy Is Making Where to Live the Most Important Decision of Your Life
Extracts:
Wow, this is interesting because I was only just talking to a friend the other day about Newtown, which is the bohemian/artsy/gay neighborhood in Sydney and where property prices have skyrocketed over the last 5-10 years.
Queue the "Awww..." But seriously, I do think there is definitely some truth to that.
I think this is really interesting and probably something most people never think about. I mean, most people just live where their parents decided to bring them up and never venture outside their own home town. I was once destined for that life but now I could never go back to the humdrum of the same-ol same-ol. Plus, with nothing to tie me down - no kids, no mortgage, the world is my oyster! :) But getting deep here, I really do think that once you move and live overseas (as I did recently) you really do grow a lot spiritually and for me that was really important. You don't know what kind of person you really are, or want to be, or can be unless you are out of your element and left to deal with things that are strange and unfamiliar...
Here's another book by the same author:
The Rise of the Creative Class: And How It's Transforming Work, Leisure, Community and Everyday
Who's Your City?: How the Creative Economy Is Making Where to Live the Most Important Decision of Your Life
Extracts:
But a disturbing new study has found a solution to the housing slump: Live next to gay people. The study's author measured changes in income and property values using something called the Bohemian-Gay Index.
"Now while that may sound like another name for the San Francisco phone book, folks, it is BAAAD NEWS! This study found that the artistic, bohemian, and gay populations increase housing values in the neighborhoods and communities they inhabit. According to that, I guess people these days want a house with a view of some goateed beatnik playing his bongos while he smokes a clove cigarette and chisels a sculpture of k. d. lang.
"The theory is that tolerant communities, where homosexuals are likely to reside, nurture an open-minded culture of creativity, which can lead to innovations like Google, or YouTube, or ShirtlessHunksBaggingGroceries.com.
Wow, this is interesting because I was only just talking to a friend the other day about Newtown, which is the bohemian/artsy/gay neighborhood in Sydney and where property prices have skyrocketed over the last 5-10 years.
Others, meanwhile, will argue that while jobs, money and schooling are surely important, the most critical decision in life is picking the right life partner-- someone who will support you in all your endeavors and love you unconditionally along the way. Those who study human psychology agree: Loving relationships, their studies find, are key to a happy life. My mother knew this intuitively. She turned down many college-educated suitors to marry my dad, a factory worker and World War II veteran with an eight-grade education. "Richard," she would say, "it was the best decision of my life by far. Sure, some of those other guys made more money. But love is what is really important. I was madly in love with your father every day of my entire life."
Queue the "Awww..." But seriously, I do think there is definitely some truth to that.
Maybe this seems so obvious that people overlook it. Finding the right place is as important as -- if not more important than -- finding the right job or partner because it not only influences those choices but also determines how easy or hard it will be to correct mistakes made along the way. Still, few of us actually look at a place that way. Perhaps it's because so few of us have the understanding or mental framework necessary to make informed choices about our location.
The place we choose to live affects every aspect of our being. It can determine the income we earn, the people we meet, the friends we make, the partners we choose, and the options available to our children and families.
Place also affects how happy we are in other, less palpable ways. It can be an island of stability in a sea of uncertainty and risk. Jobs end. Relationships break up. Choosing the right place can be a hedge against life's downsides... It's exponentially easier to get back on your feet when your location has a vibrant economy with lots of jobs to choose from, or a lot of eligible single people in your age range to date.
I think this is really interesting and probably something most people never think about. I mean, most people just live where their parents decided to bring them up and never venture outside their own home town. I was once destined for that life but now I could never go back to the humdrum of the same-ol same-ol. Plus, with nothing to tie me down - no kids, no mortgage, the world is my oyster! :) But getting deep here, I really do think that once you move and live overseas (as I did recently) you really do grow a lot spiritually and for me that was really important. You don't know what kind of person you really are, or want to be, or can be unless you are out of your element and left to deal with things that are strange and unfamiliar...
Here's another book by the same author:
The Rise of the Creative Class: And How It's Transforming Work, Leisure, Community and Everyday
Best Cities for Tech Jobs
From Business Week...
Summary:
1. San Jose/Silicon Valley
2. Boulder, Colo.
3. Huntsville, Ala.
4. Durham, N.C.
5. Washington, D.C.
6. Manchester, N.H.
7. Colorado Springs, Colo.
8. Austin, Tex.
9. Palm Bay-Melbourne, Fla.
10. Albuquerque, N.M.
11. San Diego
12. Raleigh, N.C.
13. San Francisco
14. Oakland, Calif.
15. Boston
16. Seattle
17. Boise, Idaho
18. Portland, Ore.
19. Denver
20. Kansas City, Mo., and Kansas City, Kan.
21. Orange County, Calif.
22. Dallas-Fort Worth
23. Baltimore
24. Detroit
25. Salt Lake City
26. Minneapolis-St. Paul
27. Atlanta
28. Sacramento
29. Albany, N.Y.
30. Ventura, Calif.
Full listing:
1. San Jose/Silicon Valley
Jobs per 1,000: 285.92
Total: 225,343
Rank: 3
Growth: 3%
Average wage: $144,828
Salary Rank: 1
Biggest sector: computer systems design
Area employers: Google (GOOG), Intel, Hewlett-Packard, Apple (AAPL)
2. Boulder, Colo.
Jobs per 1,000: 230.45
Total: 30,533
Rank: 38
Growth: 1%
Average wage: $96,077
Salary Rank: 6
Biggest sector: computer systems design
Area employers: IBM, Level 3 Communications (LVLT)
3. Huntsville, Ala.
Jobs per 1,000: 188.46
Total: 28,806
Rank: 40
Growth: 1%
Average wage: $65,848
Salary Rank: 50
Biggest sector: engineering services
Area employer: Bechtel
4. Durham, N.C.
Jobs per 1,000: 155.94
Total: 33,454
Rank: 36
Growth: 8%
Average wage: $95,551
Salary Rank: 7
Biggest sector: R&D and testing labs
Area employer: Duke University
5. Washington, D.C.
Jobs per 1,000: 132.02
Total: 295,834
Rank: 2
Growth: 2%
Average wage: $92,718
Salary Rank: 9
Biggest sector: computer systems design
Area employer: Sprint Nextel
6. Manchester, N.H.
Jobs per 1,000: 123.89
Total: 21,695
Rank: 49
Growth: 0%
Average wage: $81,683
Salary Rank: 21
Biggest sector: measuring and control instruments manufacturing
Area employer: Verizon
7. Colorado Springs, Colo.
Jobs per 1,000: 122.43
Total: 25,498
Rank: 45
Growth: -3%
Average wage: $74,673
Salary Rank: 29
Biggest sector: computer systems design
Area employer: Hewlett-Packard
8. Austin, Tex.
Jobs per 1,000: 121.40
Total: 68,760
Rank: 23
Growth: 3%
Average wage: $100,536
Salary Rank: 3
Biggest sector: electronic components manufacturing
Area employer: Dell (DELL)
9. Palm Bay-Melbourne, Fla.
Jobs per 1,000: 115.56
Total: 20,705
Rank: 52
Growth: -1%
Average wage: $68,838
Salary Rank: 39
Biggest sector: electronic components manufacturing
Area employer: Raytheon (RTN)
10. Albuquerque, N.M.
Jobs per 1,000: 112.80
Total: 34,432
Rank: 32
Growth: 1%
Average wage: $65,853
Salary Rank: 49
Biggest sector: R&D and testing labs
Area employer: Intel
11. San Diego
Jobs per 1,000: 96.99
Total: 106,358
Rank: 13
Growth: 1%
Average wage: $92,328
Salary Rank: 10
Biggest sector: R&D and testing labs
Area employer: Qualcomm (QCOM)
12. Raleigh, N.C.
Jobs per 1,000: 94.58
Total: 37,144
Rank: 31
Growth: 3%
Average wage: $74,285
Salary Rank: 31
Biggest sector: computer systems design
Area employer: IBM
13. San Francisco
Jobs per 1,000: 93.84
Total: 79,442
Rank: 19
Growth: 3%
Average wage: $118,518
Salary Rank: 2
Biggest sector: computer systems design
Area employers: Salesforce.com (CRM), Genentech (DNA)
14. Oakland, Calif.
Jobs per 1,000: 93.43
Total: 81,406
Rank: 17
Growth: 1%
Average wage: $96,930
Salary Rank: 4
Biggest sector: computer systems design
Area employer: Ask.com, owned by IAC Interactive (IACI)
15. Boston
Jobs per 1,000: 92.78
Total: 191,690
Rank: 4
Growth: 2%
Average wage: $95,100
Salary Rank: 8
Biggest sector: computer systems design
Area employer: Massachusetts General Hospital
16. Seattle
Jobs per 1,000: 90.74
Total: 127,680
Rank: 9
Growth: 7%
Average wage: $96,197
Salary Rank: 5
Biggest sector: software publishers
Area employers: Microsoft (MSFT), T-Mobile USA (DT)
17. Boise, Idaho
Jobs per 1,000: 89.78
Total:
Rank: 51
Growth: -1%
Average wage: $70,066
Salary Rank: 37
Biggest sector: computer systems design
Area employer: Micron Technology (MU)
18. Portland, Ore.
Jobs per 1,000: 84.41
Total: 73,735
Rank: 20
Growth: 4%
Average wage: $78,958
Salary Rank: 25
Biggest sector: semiconductor manufacturing
Area employer: Intel
19. Denver
Jobs per 1,000: 77.90
Total: 80,542
Rank: 18
Growth: 0%
Average wage: $87,901
Salary Rank: 13
Biggest sector: telecommunications serviecs
Area employer: Qwest Communications International
20. Kansas City, Mo., and Kansas City, Kan.
Jobs per 1,000: 75.78
Total: 62,118
Rank: 24
Growth: 3%
Average wage: $72,411
Salary Rank: 32
Biggest sector: telecommunications services
Area employer: Sprint Nextel (S)
21. Orange County, Calif.
Jobs per 1,000: 73.77
Total: 100,895
Rank: 14
Growth: 1%
Average wage: $81,914
Salary Rank: 20
Biggest sector: computer systems design
Area employer: Allergan (AGN)
22. Dallas-Fort Worth
Jobs per 1,000: 71.91
Total: 176,010
Rank: 5
Growth: 2%
Average wage: $83,133
Salary Rank: 18
Biggest sector: telecommunications services
Area employers: AT&T, EDS (EDS)
23. Baltimore
Jobs per 1,000: 69.03
Total: 71,211
Rank: 22
Growth: 2%
Average wage: $79,144
Salary Rank: 24
Biggest sector: computer systems design
Area employer: Northrup Grumman (NOC)
24. Detroit
Jobs per 1,000: 68.24
Total: 115,082
Rank: 12
Growth: -3%
Average wage: $80,109
Salary Rank: 23
Biggest sector: R&D and testing labs
Area employers: The Detroit Medical Center, St. John Health
25. Salt Lake City
Jobs per 1,000: 66.97
Total: 34,344
Rank: 33
Growth: 7%
Average wage: $59,572
Salary Rank: 57
Biggest sector: computer systems design
Area employer: Qwest Communications International (Q)
26. Minneapolis-St. Paul
Jobs per 1,000: 64.59
Total: 98,059
Rank: 15
Growth: 0%
Average wage: $75,630
Salary Rank: 28
Biggest sector: computer systems design
Area employer: Mayo Clinic
27. Atlanta
Jobs per 1,000: 63.93
Total: 126,672
Rank: 10
Growth: 2%
Average wage: $82,372
Salary Rank: 19
Biggest sector: telecommunications services
Area employers: AT&T (T), IBM (IBM)
28. Sacramento
Jobs per 1,000: 63.9
Total: 43,699
Rank: 29
Growth: 3%
Average wage: $83,518
Salary Rank: 15
Biggest sector: telecommunications services
Area employers: Intel (INTC), Hewlett-Packard (HPQ)
29. Albany, N.Y.
Jobs per 1,000: 62.85
Total: 20,373
Rank: 53
Growth: 2%
Average wage: $76,592
Salary Rank: 27
Biggest sector: research and design, and testing labs
Area employers: General Electric (GE), Verizon (VZ)
30. Ventura, Calif.
Jobs per 1,000: 62.80
Total: 17,255
Rank: 60
Growth: -4%
Average wage: $69,707
Salary Rank: 38
Biggest sector: engineering services
Area employer: Amgen (AMGN)
---
Well that's good that San Diego scores highly on that chart because I plan to get a job in the tech (IT) area.
30 Best Cities for Tech Jobs
By Albert Sun
Tech geeks, take note: Silicon Valley is still the center of the technology universe, but if you're thinking about a career in computing and want to avoid the Bay Area's sky-high cost of living, consider another locale—say, Durham, N.C., or even Huntsville, Ala.
Flip through this slide show for a glimpse of the 30 cities boasting the most high-tech jobs per capita. The American Electronics Assn., a trade group, compiled statistics on 60 cities using Labor Dept. data from 2006, the most recent period for which it's available. The slides rank cities by tech job density and include data on total jobs, growth in that total from 2005, average annual IT salary, ranking by salary, and biggest sector in each city.
Slides also include tech or health-care employers in the region, based on information from City-Data.com and other sources.
Summary:
1. San Jose/Silicon Valley
2. Boulder, Colo.
3. Huntsville, Ala.
4. Durham, N.C.
5. Washington, D.C.
6. Manchester, N.H.
7. Colorado Springs, Colo.
8. Austin, Tex.
9. Palm Bay-Melbourne, Fla.
10. Albuquerque, N.M.
11. San Diego
12. Raleigh, N.C.
13. San Francisco
14. Oakland, Calif.
15. Boston
16. Seattle
17. Boise, Idaho
18. Portland, Ore.
19. Denver
20. Kansas City, Mo., and Kansas City, Kan.
21. Orange County, Calif.
22. Dallas-Fort Worth
23. Baltimore
24. Detroit
25. Salt Lake City
26. Minneapolis-St. Paul
27. Atlanta
28. Sacramento
29. Albany, N.Y.
30. Ventura, Calif.
Full listing:
1. San Jose/Silicon Valley
Jobs per 1,000: 285.92
Total: 225,343
Rank: 3
Growth: 3%
Average wage: $144,828
Salary Rank: 1
Biggest sector: computer systems design
Area employers: Google (GOOG), Intel, Hewlett-Packard, Apple (AAPL)
2. Boulder, Colo.
Jobs per 1,000: 230.45
Total: 30,533
Rank: 38
Growth: 1%
Average wage: $96,077
Salary Rank: 6
Biggest sector: computer systems design
Area employers: IBM, Level 3 Communications (LVLT)
3. Huntsville, Ala.
Jobs per 1,000: 188.46
Total: 28,806
Rank: 40
Growth: 1%
Average wage: $65,848
Salary Rank: 50
Biggest sector: engineering services
Area employer: Bechtel
4. Durham, N.C.
Jobs per 1,000: 155.94
Total: 33,454
Rank: 36
Growth: 8%
Average wage: $95,551
Salary Rank: 7
Biggest sector: R&D and testing labs
Area employer: Duke University
5. Washington, D.C.
Jobs per 1,000: 132.02
Total: 295,834
Rank: 2
Growth: 2%
Average wage: $92,718
Salary Rank: 9
Biggest sector: computer systems design
Area employer: Sprint Nextel
6. Manchester, N.H.
Jobs per 1,000: 123.89
Total: 21,695
Rank: 49
Growth: 0%
Average wage: $81,683
Salary Rank: 21
Biggest sector: measuring and control instruments manufacturing
Area employer: Verizon
7. Colorado Springs, Colo.
Jobs per 1,000: 122.43
Total: 25,498
Rank: 45
Growth: -3%
Average wage: $74,673
Salary Rank: 29
Biggest sector: computer systems design
Area employer: Hewlett-Packard
8. Austin, Tex.
Jobs per 1,000: 121.40
Total: 68,760
Rank: 23
Growth: 3%
Average wage: $100,536
Salary Rank: 3
Biggest sector: electronic components manufacturing
Area employer: Dell (DELL)
9. Palm Bay-Melbourne, Fla.
Jobs per 1,000: 115.56
Total: 20,705
Rank: 52
Growth: -1%
Average wage: $68,838
Salary Rank: 39
Biggest sector: electronic components manufacturing
Area employer: Raytheon (RTN)
10. Albuquerque, N.M.
Jobs per 1,000: 112.80
Total: 34,432
Rank: 32
Growth: 1%
Average wage: $65,853
Salary Rank: 49
Biggest sector: R&D and testing labs
Area employer: Intel
11. San Diego
Jobs per 1,000: 96.99
Total: 106,358
Rank: 13
Growth: 1%
Average wage: $92,328
Salary Rank: 10
Biggest sector: R&D and testing labs
Area employer: Qualcomm (QCOM)
12. Raleigh, N.C.
Jobs per 1,000: 94.58
Total: 37,144
Rank: 31
Growth: 3%
Average wage: $74,285
Salary Rank: 31
Biggest sector: computer systems design
Area employer: IBM
13. San Francisco
Jobs per 1,000: 93.84
Total: 79,442
Rank: 19
Growth: 3%
Average wage: $118,518
Salary Rank: 2
Biggest sector: computer systems design
Area employers: Salesforce.com (CRM), Genentech (DNA)
14. Oakland, Calif.
Jobs per 1,000: 93.43
Total: 81,406
Rank: 17
Growth: 1%
Average wage: $96,930
Salary Rank: 4
Biggest sector: computer systems design
Area employer: Ask.com, owned by IAC Interactive (IACI)
15. Boston
Jobs per 1,000: 92.78
Total: 191,690
Rank: 4
Growth: 2%
Average wage: $95,100
Salary Rank: 8
Biggest sector: computer systems design
Area employer: Massachusetts General Hospital
16. Seattle
Jobs per 1,000: 90.74
Total: 127,680
Rank: 9
Growth: 7%
Average wage: $96,197
Salary Rank: 5
Biggest sector: software publishers
Area employers: Microsoft (MSFT), T-Mobile USA (DT)
17. Boise, Idaho
Jobs per 1,000: 89.78
Total:
Rank: 51
Growth: -1%
Average wage: $70,066
Salary Rank: 37
Biggest sector: computer systems design
Area employer: Micron Technology (MU)
18. Portland, Ore.
Jobs per 1,000: 84.41
Total: 73,735
Rank: 20
Growth: 4%
Average wage: $78,958
Salary Rank: 25
Biggest sector: semiconductor manufacturing
Area employer: Intel
19. Denver
Jobs per 1,000: 77.90
Total: 80,542
Rank: 18
Growth: 0%
Average wage: $87,901
Salary Rank: 13
Biggest sector: telecommunications serviecs
Area employer: Qwest Communications International
20. Kansas City, Mo., and Kansas City, Kan.
Jobs per 1,000: 75.78
Total: 62,118
Rank: 24
Growth: 3%
Average wage: $72,411
Salary Rank: 32
Biggest sector: telecommunications services
Area employer: Sprint Nextel (S)
21. Orange County, Calif.
Jobs per 1,000: 73.77
Total: 100,895
Rank: 14
Growth: 1%
Average wage: $81,914
Salary Rank: 20
Biggest sector: computer systems design
Area employer: Allergan (AGN)
22. Dallas-Fort Worth
Jobs per 1,000: 71.91
Total: 176,010
Rank: 5
Growth: 2%
Average wage: $83,133
Salary Rank: 18
Biggest sector: telecommunications services
Area employers: AT&T, EDS (EDS)
23. Baltimore
Jobs per 1,000: 69.03
Total: 71,211
Rank: 22
Growth: 2%
Average wage: $79,144
Salary Rank: 24
Biggest sector: computer systems design
Area employer: Northrup Grumman (NOC)
24. Detroit
Jobs per 1,000: 68.24
Total: 115,082
Rank: 12
Growth: -3%
Average wage: $80,109
Salary Rank: 23
Biggest sector: R&D and testing labs
Area employers: The Detroit Medical Center, St. John Health
25. Salt Lake City
Jobs per 1,000: 66.97
Total: 34,344
Rank: 33
Growth: 7%
Average wage: $59,572
Salary Rank: 57
Biggest sector: computer systems design
Area employer: Qwest Communications International (Q)
26. Minneapolis-St. Paul
Jobs per 1,000: 64.59
Total: 98,059
Rank: 15
Growth: 0%
Average wage: $75,630
Salary Rank: 28
Biggest sector: computer systems design
Area employer: Mayo Clinic
27. Atlanta
Jobs per 1,000: 63.93
Total: 126,672
Rank: 10
Growth: 2%
Average wage: $82,372
Salary Rank: 19
Biggest sector: telecommunications services
Area employers: AT&T (T), IBM (IBM)
28. Sacramento
Jobs per 1,000: 63.9
Total: 43,699
Rank: 29
Growth: 3%
Average wage: $83,518
Salary Rank: 15
Biggest sector: telecommunications services
Area employers: Intel (INTC), Hewlett-Packard (HPQ)
29. Albany, N.Y.
Jobs per 1,000: 62.85
Total: 20,373
Rank: 53
Growth: 2%
Average wage: $76,592
Salary Rank: 27
Biggest sector: research and design, and testing labs
Area employers: General Electric (GE), Verizon (VZ)
30. Ventura, Calif.
Jobs per 1,000: 62.80
Total: 17,255
Rank: 60
Growth: -4%
Average wage: $69,707
Salary Rank: 38
Biggest sector: engineering services
Area employer: Amgen (AMGN)
---
Well that's good that San Diego scores highly on that chart because I plan to get a job in the tech (IT) area.
Sunday, July 20, 2008
More on applying for a social security number
About 2 years ago I bought this Suze Orman book. For those that don't know she writes about money and financial issues and has her own tv show. Actually back then I didn't know she had her own show but I looked up a few reviews on Amazon and her book seemed to be the best for what I needed at the time.
Now, I never actually finished reading it because it seemed at least half of it was based on the American system (which was useless to me as an Australian living in Australia). But last night I picked it up again and almost couldn't put it down! All of a sudden everything made sense. The FICO score, opening a bank account, borrowing money, mortgages, etc etc. It even had a small section on getting a job - great!
So with that in mind, I kept thinking to myself - is there a way to apply for a SSN before I arrive in the US? Considering my whole financial future relies on this number and my credit score...
So of course I went to my good friend Google for information. I should preface this by saying that I'm already a US citizen but have lived in Australia for most of my life so this article will only help you if you're in the same boat (ie US citizen living abroad, moved away from US at a young age so never had a SSN) but there may be links that are helpful to you too.
Grant Holliday - An Aussie in Seattle
This is such an informative site. It is easy to read and understand and nicely laid out. Grant talks about how to get an E-3 or E-3D visa and how to drive in the USA. This is not relevant to me but particularly useful for any Aussies wishing to work/live in the USA. I noted his description of the US Consulate in Sydney (which I've been to several times) and the security there. It actually is the most secure place I've ever been to, it's pretty scary. Lots of queues, x-ray machines, waiting, chaperoning, waiting, queues, etc. There is no toilet there either so if you need to go you need to go back down from the 59th floor to the 10th floor and then queue and wait all over again!
FAQ for international students
Various common questions and answers.
Chat transcript with the US Embassy in Canberra, Australia
Kind of like a FAQ it features random questions and answers about citizenship and Social security issues. There was one question which was particularly relevant to my situation and that is:
Social Security foreign offices addresses worldwide
Now, this is interesting because it says if you are in Australia or New Zealand you need to go to Manila in the Philippines. However, upon further research if you simply want to apply for a SSN you can do it in Sydney.
US Consulate General, Sydney: American Citizen services
This page says pretty much the same thing "The Social Security office at the American Embassy in Manila, Philippines, provides direct service to Social Security beneficiaries living in Australia."
Initial Benefit Claims: 1-800-750-030 Toll free from Australia
This number is only available Mondays, Wednesdays and Fridays 12pm- 5pm Sydney time (10am - 3pm Manila Time)
General Enquiries: 0011-632-525-6481
Fax Number: 0011-632-522-1514
Email: ssad.varo.manila@ssa.gov
Mail:
Social Security Division
U.S. Department of Veterans Affairs
Regional Office
American Embassy
1131 Roxas Boulevard
Ermita 0930 Manila
Philippines
Now I realize they are talking about people who want to claim SS benefits.
Socialsecuritygov: Social Security FAQ for international residents
Aha! Now this is the page I needed to find in the first place. I clicked on the first question "I live outside of the U.S. How do I contact Social Security?"
It then tells me: I live outside of the U.S. How do I contact Social Security?
Social Security International Operations
It mentions Manila again...
No no no! I don't need to go to Manila.
There was something else I found which was more relevant and accurate. I went to the US Consulate in Sydney website, typed 'social security number' into the search box and then followed some links to the US Embassy in Canberra website which gave me these links and pieces of information:
Applying for a Social Security Card
(Or to change your name on your Social Security Card)
Documents you need to apply for Social Security Card
First time applicants 12 years or older: you must submit your application in person to the Consulate General serving your area.
All other applicants: you may submit your application by mail to the Consulate General serving your area. (Please include a self-addressed pre-paid Registered or Express Post Platinum envelope or Courier satchel for return of your original documents).
If you are changing your name, please also submit original documents (e.g. marriage certificate) to support this.
All supporting documents presented with the application must be either originals or copies certified by the issuing authorities.
If an applicant is unable to sign his/her name, then original photo identification of the signing parent/legal guardian must also be included with the application.
Related links:
Social Security FAQs for U.S. Citizens outside of the U.S.
Individual Taxpayer Identification Number (ITIN)
Download the Social Security Number application form (PDF) here
Interesting to note that they allow A4 paper! Just as well, I have no idea where to buy US letter sized paper around here.
---
Are you confused yet? I sure am!
To summarize:
• I'll read through the list of documents I need to bring.
• Go to the US consulate in Sydney (in Martin Place) between 8am-11:30am Monday-Friday (their opening hours)
• Bring and show them the documents and the filled in application form
• Attend the interview
• Wait patiently for the SSN/card to come in the mail. Hopefully it won't take six months to get but if it does, so be it.
---
Now, I never actually finished reading it because it seemed at least half of it was based on the American system (which was useless to me as an Australian living in Australia). But last night I picked it up again and almost couldn't put it down! All of a sudden everything made sense. The FICO score, opening a bank account, borrowing money, mortgages, etc etc. It even had a small section on getting a job - great!
So with that in mind, I kept thinking to myself - is there a way to apply for a SSN before I arrive in the US? Considering my whole financial future relies on this number and my credit score...
So of course I went to my good friend Google for information. I should preface this by saying that I'm already a US citizen but have lived in Australia for most of my life so this article will only help you if you're in the same boat (ie US citizen living abroad, moved away from US at a young age so never had a SSN) but there may be links that are helpful to you too.
Grant Holliday - An Aussie in Seattle
This is such an informative site. It is easy to read and understand and nicely laid out. Grant talks about how to get an E-3 or E-3D visa and how to drive in the USA. This is not relevant to me but particularly useful for any Aussies wishing to work/live in the USA. I noted his description of the US Consulate in Sydney (which I've been to several times) and the security there. It actually is the most secure place I've ever been to, it's pretty scary. Lots of queues, x-ray machines, waiting, chaperoning, waiting, queues, etc. There is no toilet there either so if you need to go you need to go back down from the 59th floor to the 10th floor and then queue and wait all over again!
FAQ for international students
Various common questions and answers.
Chat transcript with the US Embassy in Canberra, Australia
Kind of like a FAQ it features random questions and answers about citizenship and Social security issues. There was one question which was particularly relevant to my situation and that is:
Q: My daughter was born in the U.S. and came to Queensland with her mother and me when she was 6. She doesn't have a social security number and when we contacted the consulate to apply, we were told that she needed to come to the consulate in person for an interview and that it could take up to 6 months for a US-born applicant! Why does a 14 year old need to travel all the way to Sydney and why does it take so long?
A: Post September 11th 2001 security laws and regulations required Social Security to strengthen the integrity of the Social Security number process. The regulations are applied uniformly all over the world. If your daughter lived in the U.S. she would need to apply at the Social Security Office nearest to her, because she's in Australia, that is in Sydney. The process takes so long because of the need to verify all of the information on the application.
Social Security foreign offices addresses worldwide
Now, this is interesting because it says if you are in Australia or New Zealand you need to go to Manila in the Philippines. However, upon further research if you simply want to apply for a SSN you can do it in Sydney.
US Consulate General, Sydney: American Citizen services
This page says pretty much the same thing "The Social Security office at the American Embassy in Manila, Philippines, provides direct service to Social Security beneficiaries living in Australia."
Initial Benefit Claims: 1-800-750-030 Toll free from Australia
This number is only available Mondays, Wednesdays and Fridays 12pm- 5pm Sydney time (10am - 3pm Manila Time)
General Enquiries: 0011-632-525-6481
Fax Number: 0011-632-522-1514
Email: ssad.varo.manila@ssa.gov
Mail:
Social Security Division
U.S. Department of Veterans Affairs
Regional Office
American Embassy
1131 Roxas Boulevard
Ermita 0930 Manila
Philippines
Now I realize they are talking about people who want to claim SS benefits.
Socialsecuritygov: Social Security FAQ for international residents
Aha! Now this is the page I needed to find in the first place. I clicked on the first question "I live outside of the U.S. How do I contact Social Security?"
It then tells me: I live outside of the U.S. How do I contact Social Security?
If you are in Canada, British Virgin Islands or Samoa, you may obtain services from an SSA Field Office.
In countries where there are a relatively large number of Social Security customers, American embassies and consulates have personnel who have been specially trained to provide a full range of services, including the taking of applications for benefits.
For phone numbers and addresses of offices serving customers outside of the U.S. see Service Around the World.
Social Security International Operations
It mentions Manila again...
No no no! I don't need to go to Manila.
There was something else I found which was more relevant and accurate. I went to the US Consulate in Sydney website, typed 'social security number' into the search box and then followed some links to the US Embassy in Canberra website which gave me these links and pieces of information:
Applying for a Social Security Card
(Or to change your name on your Social Security Card)
Documents you need to apply for Social Security Card
First time applicants 12 years or older: you must submit your application in person to the Consulate General serving your area.
All other applicants: you may submit your application by mail to the Consulate General serving your area. (Please include a self-addressed pre-paid Registered or Express Post Platinum envelope or Courier satchel for return of your original documents).
If you are changing your name, please also submit original documents (e.g. marriage certificate) to support this.
All supporting documents presented with the application must be either originals or copies certified by the issuing authorities.
If an applicant is unable to sign his/her name, then original photo identification of the signing parent/legal guardian must also be included with the application.
Related links:
Social Security FAQs for U.S. Citizens outside of the U.S.
Individual Taxpayer Identification Number (ITIN)
Download the Social Security Number application form (PDF) here
Interesting to note that they allow A4 paper! Just as well, I have no idea where to buy US letter sized paper around here.
---
Are you confused yet? I sure am!
To summarize:
• I'll read through the list of documents I need to bring.
• Go to the US consulate in Sydney (in Martin Place) between 8am-11:30am Monday-Friday (their opening hours)
• Bring and show them the documents and the filled in application form
• Attend the interview
• Wait patiently for the SSN/card to come in the mail. Hopefully it won't take six months to get but if it does, so be it.
---
Saturday, July 19, 2008
San Diego: a playground for kids and adults
Here is a great report from TravelMuse covering neighborhoods and suburbs, restaurants, tourist attractions and other sites of interest, beaches, hotels and more!
There's even gondola rides in Coronado Bay. Cool!
There's even gondola rides in Coronado Bay. Cool!
Wednesday, July 16, 2008
San Diego Blogs
I haven't put these in my links list because they may not appeal to everyone. Unfortunately there doesn't seem the be that many good blogs about life in San Diego...
The Best Places in San Diego! - Reviews and articles about various interesting places in San Diego, not necessarily touristy or picturesque places.
The San Diego Traveler - List interesting happenings in and around San Diego.
SD Urban - a blog about San Diego's urban neighborhoods, featuring many photos. One of the more relevant, interesting and up-to-date blogs.
Staying classy in San Diego - one of the better blogs featuring restaurant reviews, events, and photos.
My very own eating San Diego blog - Restaurant reviews and Recipes.
San Diego Daily Photo - one photo per day. One of the best blogs!
Fear and Loathing on Golden Hill - Life, happenings and politics in the Golden Hill/South Park area (warning: has music when you load the blog up).
San Diego Turtle - Cute blog name. One of the newest personal SD blogs. Features photos and videos.
Go San Diego Travel Blog - A list of loads of great, fun things to do in San Diego.
Hybrid Photography - San Diego Wedding Photography - If you enjoy looking at beautiful photos of happy couples this is a great blog. There are also other types of portrait photos using beautiful San Diego as the backdrop.
LAist - OK so it's about L.A. "up the road" but it's interesting to read and sometimes the articles can be relevant to San Diego too or the US in general.
SanDiegoish - similar to LAist but smaller. It bridges the gap between "news" and "personal blogs".
Oh! San Diego - One woman's life in San diego
San Diego Blog - Random articles. Blog could be better if it had longer articles and pitures.
San Diego Real Estate Blog - a guide to buying property in San Diego.
San Diego Momma - a personal account of a stay-at-home mom in San Diego. Updated very regularly.
SoCal Cabbie - the life and times of a cabbie in Southern California.
Photographs of San Diego, CA - A beautiful photoblog but unfortunately has not been updated for several months
Coronado Life - nice blog about Coronado Island but unfortunately has not been updated since November 007.
San Diego Moves on Moving San Diego - A blog by some removalists, interesting but not updated since August 2007.
Expat in California - tips for your transfer/relocation, but unfortunately has not been updated since June 2007.
San Diego - Finest City - Nice personal stories and articles but not updated since July 2007.
The Best Places in San Diego! - Reviews and articles about various interesting places in San Diego, not necessarily touristy or picturesque places.
The San Diego Traveler - List interesting happenings in and around San Diego.
SD Urban - a blog about San Diego's urban neighborhoods, featuring many photos. One of the more relevant, interesting and up-to-date blogs.
Staying classy in San Diego - one of the better blogs featuring restaurant reviews, events, and photos.
My very own eating San Diego blog - Restaurant reviews and Recipes.
San Diego Daily Photo - one photo per day. One of the best blogs!
Fear and Loathing on Golden Hill - Life, happenings and politics in the Golden Hill/South Park area (warning: has music when you load the blog up).
San Diego Turtle - Cute blog name. One of the newest personal SD blogs. Features photos and videos.
Go San Diego Travel Blog - A list of loads of great, fun things to do in San Diego.
Hybrid Photography - San Diego Wedding Photography - If you enjoy looking at beautiful photos of happy couples this is a great blog. There are also other types of portrait photos using beautiful San Diego as the backdrop.
LAist - OK so it's about L.A. "up the road" but it's interesting to read and sometimes the articles can be relevant to San Diego too or the US in general.
SanDiegoish - similar to LAist but smaller. It bridges the gap between "news" and "personal blogs".
Oh! San Diego - One woman's life in San diego
San Diego Blog - Random articles. Blog could be better if it had longer articles and pitures.
San Diego Real Estate Blog - a guide to buying property in San Diego.
San Diego Momma - a personal account of a stay-at-home mom in San Diego. Updated very regularly.
SoCal Cabbie - the life and times of a cabbie in Southern California.
Photographs of San Diego, CA - A beautiful photoblog but unfortunately has not been updated for several months
Coronado Life - nice blog about Coronado Island but unfortunately has not been updated since November 007.
San Diego Moves on Moving San Diego - A blog by some removalists, interesting but not updated since August 2007.
Expat in California - tips for your transfer/relocation, but unfortunately has not been updated since June 2007.
San Diego - Finest City - Nice personal stories and articles but not updated since July 2007.
America's top 50 jobs
Employment Spot Link
Here are the top 50 jobs that are both growing faster than the average for total employment (13.0 percent) and have annual earnings above median of $28,770.
Here are the top 50 jobs that are both growing faster than the average for total employment (13.0 percent) and have annual earnings above median of $28,770.
1. Registered nurses: $52,330
2. Postsecondary teachers: $51,800
3. General and operations managers: $77,420
4. Elementary school teachers, except special education: $43,160
5. Accountants and auditors: $50,770
6. Business operation specialists, all other: $53,460
7. Computer software engineers, applications: $74,980
8. Maintenance and repair workers, general: $30,710
9. Carpenters: $34,900
10. Computer systems analysts: $66,460
11. Secondary school teachers, except special and vocational education: $45,650
12. Computer software engineers, systems software: $79,740
13. Physicians and surgeons: $145,600
14. Network systems and data communications analysts: $60,600
15. Automotive service technicians and mechanics: $32,450
16. Licensed practical and licensed vocational nurses: $33,970
17. Management analysts: $63,450
18. Computer support specialists: $40,430
19. Lawyers: $94,930
20. Network and computer systems administrators: $58,190
21. Police and sheriff’s patrol officers: $45,210
22. Middle school teachers, except special and vocational education: $43,670
23. Plumbers, pipefitters, and steamfitters: $41,290
24. Financial managers: $81,880
25. Computer and information systems managers: $92,570
26. Sales representatives, services, all other: $47,000
27. Fire fighters: $38,330
28. Dental hygienists: $58,350
29. Paralegals and legal assistants: $39,130
30. Sales managers: $84,220
31. Chief executives: $140,350
32. Self-enrichment education teachers: $30,880
33. Physical therapists: $60,180
34. Pharmacists: $84,900
35. Medical and health services managers: $67,430
36. Sales representatives, wholesale and manufacturing, technical and scientific products:
$58,580
37. Employment, recruitment, and placement specialists: $41,190
38. Property, real estate, and community association managers: $39,980
39. Child, family, and school social workers: $34,820
40. Heating, air conditioning, and refrigeration mechanics and installers: $36,260
41. Real estate sales agents: $35,670
42. Special education teachers, preschool, kindergarten, and elementary school: $43,570
43. Legal secretaries: $36,720
44. Training and development specialists: $44,570
45. First-line supervisors/managers of housekeeping and janitorial workers: $29,510
46. Administrative services managers: $60,290
47. Public relations specialists: $43,830
48. Radiologic technologists and technicians: $43,350
49. Sales and related workers, all other: $31,380
50. Personal financial advisors: $62,700
Your first apartment - How much will it cost?
I just found this basic guide for housing costs. The article is aimed at college kids but nevertheless useful for any newcomer to a different city! It also contains a link to a great rundown on the credit score I just talked about.
Your First Apartment: How Much Will the First Month Cost?
Application
approx $30 to $50 per app
Your landlord-to-be won’t just take your word that you’re good for the monthly rent-you have to fill out a formal application AND pay a fee so they can check your credit rating. (See, I told you your credit score would be important).
First Month’s Rent
varies by location and apartment size
Oh the joy of scraping together a month’s worth of rent before you even move in (you’ll probably have to pay this well before your move-in date!). Hopefully you’ve saved your summer earnings, because this could be a sizeable bill.
My first off-campus apartment-a 2br/2ba in San Diego-cost $1,600/month. That meant that I and each of my 3 apartment-mates had to cough up $400/mo. But then again, San Diego is one of the top 10 most expensive cities to rent in,, so unless you’re living in New York, LA, or another metropolis, you probably won’t be paying that much.
Check out sites like Rent.com, ForRent.com, and Craigslist.org to get an idea of average pricing for rentals in your area.
Security Deposit
approx same cost as one month's rent
This is basically security for the landlord–this fee is for any damage you do to your apartment over the course of living there. If you take good care of your apartment, you will probably get a good portion of this amount back.
Last Month’s Rent
same as first month's rent
Most apartment complexes in my area don’t charge this, but every once in a while you’ll come across a lease agreement that requires you to hand over the last month’s rent early, too. Personally, I’d recommend looking for an apartment that doesn’t require this fee upfront.
Utility Deposits
In addition to monthly bills, utilities and such like gas, electricity, water, trash service, internet, phone service, and cable all tend to require start-up fees. Some cable, phone, and internet companies will waive your start-up and installation fees, so be sure to ask them to when you sign up!
You can probably expect the following amounts for the rest of your start-up fees: For gas and electric, you can approximate about $75/ea, trash service will vary (and is sometimes included in your rent). For more realistic pricing for your area, check with your landlord.
Parking Fee
You may also have to pay for a parking sticker or parking space assignment. Usually this is a one-time fee, but in larger cities you may see a monthly fee for parking.
Australian dollar 25 year high
I must be crazy to want to move from Australia to the US!!
From The Age :
From The Age :
Dollar remains above 97 US cents
July 14, 2008
The Australian dollar has opened stronger after posting a fresh 25-year high over the weekend on the back of a weaker US dollar.
The local currency soared to above $US0.9700 for the first time since the days of a fixed exchange rate as continued credit market concerns battered the US currency.
At 7am, the Australian dollar was trading at $US0.9705/12, up one US cent from Friday's close of 0.9605/09. During the weekend offshore session, the Australian dollar traded between a low of $US0.9607 and a high of 0.9718.
The Australian dollar reached $US0.9668 on June 30 this year, but had not been above $US0.9700 since February 16, 1983, when it hit $US0.9710.
Reports the US government may be forced to take over troubled government-sponsored mortgage backers Fannie Mae and Freddie Mac caused investors to scale back expectations of US interest rate rises and sell the US dollar.
The US dollar suffered a broad based fall against a range of currencies, and came within one US cent of its record low of $US1.6019 versus the euro, reached in April this year.
''The financial system woes in the US persist, with Fannie Mae and Freddie Mac in trouble,'' RBC Capital Markets senior currency strategist Sue Trinh said.
''It was all bad news for the US dollar.''
The US Treasury department was expected to issue a statement today (AEST) regarding its support for the two companies and what action it might take to ensure their survival.
''That's got markets on tenterhooks waiting on a potential rescue package,'' Ms Trinh said.
Ms Trinh said the momentum from the weekend session could ''easily carry the Aussie higher, or allow it to sustain the gains'' from the weekend session.
AAP
More on the credit score rating system
Warning: long article!
This seemingly complicated topic needs to be addressed, I think. I'm a newbie to all of this myself so I just went in search for some more information which should hopefully make it easier to understand how to get a credit rating score in the US if you have been previously living in another country.
First of all a credit score in the US is extremely important. It seems to be far more important than in most other Western countries and your financial future depends on this one three-digit number.
Your credit rating is related to your social security number. Which means if you've never had one before, then you don't have a credit rating in the eyes of the USA. So if you had a credit rating in your previous country of residence (and I'm sure most people over the age of 18 do) then it doesn't count for anything which could be good or bad.
Apparently, having no credit rating is actually worse than having a bad one.
Now, the dilemma is most people won't lend you money without a good credit rating but you can't get a good credit rating without having some sort of credit! No credit = no credit score, no credit score = no credit.
So what should you do?
1. Get a social security number.
Social Security card FAQ
Social Security card application form
Office contact details in San Diego:
Allow yourself plenty of time and go into one of the offices armed with all your paperwork. Photocopy everything prior to your visit – this will assist the counter assistant and maybe cut your waiting time down, a little. This office is notorious for keeping you waiting.
Once you get to the counter, DO NOT allow them to keep your original passport, they should take the copies and they should suffice. Providing that everything is in order, the forms are completed correctly; you will be told that your social security number will be sent in the post. This can take anything from 7 to 14 business days, depending on the State in which you reside.
Once you receive this in the mail, you are now in the system and legally allowed to apply for credit.
2. Open up a bank account
Do your research and make sure the bank you choose meets all of your needs (especially transfers to/from your home country) and that their fees and charges are low. (I'll be doing some more research later into which banks are good for Australians moving to the US so hopefully blog about that soon).
Some say to choose one of the big boys such as Bank of America or Bank One, not the 'mom & pop' ones or the credit unions. For the first 90 days your account will be 'red-flagged' -- there's nothing you can do about this but wait it through. The bank is waiting to see whether you're just trying to cash a forged cheque [US: check] and run. This means that everything will take a lot longer to clear. The banks run a 'bad boy/girl' list called ChexSystems. At all costs make sure you keep yourself off this little horror, otherwise you'll find it almost impossible to open an account anywhere.
Open a savings or cheque/check account.
Also ask to open a Visa or Mastercard 'secured card' with a credit limit of anywhere between $300 and $1000. When the 90 days is up, don't delay any longer than necessary as the most difficult factor you are facing in building up your credit is termed 'insufficient credit history'. The bank will require a deposit into a savings account of an amount equal to your credit limit. This money and the account are locked for a period of one year. The card should be free or at minimal cost, but you may need to pay a small service fee on the savings account.
Do not view this card as a credit card because it isn't! Rather, consider it as your first step on that road to credit bliss. You should aim to use around one-third of your credit monthly but never use more than 50% of your limit. The reason for this is that the credit scoring system will flag you as 'over extended' if you use any more than half your limit. Use the card at the supermarket (US: grocery store), pharmacy (US: drug store), drycleaners, etc. Do not use it to rent a car or book a hotel room as these purchases will often place a hold on funds in excess of the amount you are charged, which could put you in default on the card agreement. In addition, avoid using it on the Internet or anything else that could produce reoccurring charges, e.g. newspaper subscription or gym membership. (One of the classic rip-offs over here is for a company with your credit card details to keep signing you up for new products and services and charging them to your credit card). Be retentive about it! Keep a running total in your wallet, then pay the bill fully immediately after it's posted online.
This method should cost you less than $20 in fees, no interest charges and is proven to work.
3. Other things to do:
4. Your credit score:
FICO is a mathematical model created by the Experian credit bureau as a tool for lenders to use in evaluating the risk associated with lending you money. FICO stands for Fair Isaac Company, the company that created the original scoring model. Similar models have been programmed by the other credit bureaus but they are all referred to as FICO scoring.
Credit scores are designed to measure the risk of default by taking into account various factors in a person's financial history. Although the exact formulas for calculating credit scores are closely guarded secrets, the Fair Isaac Corporation has disclosed the following components and the approximate weighted contribution of each:
35% — punctuality of payment in the past (only includes payments later than 30 days past due)
30% — the amount of debt, expressed as the ratio of current revolving debt (credit card balances, etc.) to total available revolving credit (credit limits)
15% — length of credit history
10% — types of credit used (installment, revolving, consumer finance)
10% — recent search for credit and/or amount of credit obtained recently
Current income and employment history do not influence the FICO score, but they are weighed when applying for credit. For instance, an unemployed individual with no sources of income will not usually be approved for a home mortgage, regardless of his or her FICO score.
A FICO score is between 300 and 850, exhibiting a left-skewed distribution with 60% of scores between 650 and 799. According to Fair Isaac the median score is 723 (half of scores above and below) whereas according to Experian (using the Fair Isaac risk model) the average credit score is 678 (lowest scores are farther from the median than the highest scores). The performance of the scores is monitored and the scores are periodically aligned so that a credit grantor normally does not need to be concerned about which score card was employed.
Each of the major credit unions may and probably will report your credit slightly differently, i.e. you’ll actually have 3 slightly different credit scores. To solve this little inconsistency, lenders will calculate a ‘tri-merged’ score when you’re taking out a major loan, i.e. the average score from all three major bureaux.
Only credit will build your credit score, i.e. you have to borrow money and pay it back to get a credit score. Paying the rent, utility bills can not and will not build you any credit. However, failing to pay these or paying them late can reduce your credit.
5. Other tips:
References.
Most of the wording in this article is paraphrased or quoted from:
Credit Essentials in the USA
Credit and finance in the USA
Metafilter: International Credit history
Social Security office locations
Social Security Administration (SSA)
Wikipedia: Credit score
This seemingly complicated topic needs to be addressed, I think. I'm a newbie to all of this myself so I just went in search for some more information which should hopefully make it easier to understand how to get a credit rating score in the US if you have been previously living in another country.
First of all a credit score in the US is extremely important. It seems to be far more important than in most other Western countries and your financial future depends on this one three-digit number.
Your credit rating is related to your social security number. Which means if you've never had one before, then you don't have a credit rating in the eyes of the USA. So if you had a credit rating in your previous country of residence (and I'm sure most people over the age of 18 do) then it doesn't count for anything which could be good or bad.
Apparently, having no credit rating is actually worse than having a bad one.
Now, the dilemma is most people won't lend you money without a good credit rating but you can't get a good credit rating without having some sort of credit! No credit = no credit score, no credit score = no credit.
So what should you do?
1. Get a social security number.
Social Security card FAQ
Social Security card application form
Office contact details in San Diego:
- Link
Phone Numbers:
Toll-Free 1-800-772-1213
TTY 1-800-325-0778
Office Hours:
MONDAY - FRIDAY:09:00 AM - 04:00 PM
Except Federal Holidays - Addresses:
SOCIAL SECURITY
1333 FRONT STREET
SAN DIEGO, CA 92101
Directions to Our Office:
THE OFFICE IS IN A TWO STORY BLDG LOCATED ON THE CORNER OF FRONT AND ASH STREET, JUST TO THE NORTH OF THE "COMMONWEALTH" HIGH RISE. THERE IS NO FREE PARKING. PARKING METERS LOCATED IN THE SURROUNDING AREA AND PAY PARKING LOTS LOCATED ON ASH ST AND FRONT ST. THE TROLLEY IS 3-4 BLOCKS TO THE SOUTH. BUS STOPS LOCATED ON: FRONT ST, ASH ST,"A" ST, & FIRST ST. - 8505 AERO DR
SAN DIEGO, CA 92123
Directions to Our Office:
CORNER OF AERO DRIVE AND AFTON ROAD, WEST OF HIGHWAY 15. - 367 VIA VERA CRUZ
SAN MARCOS, CA 92078
Directions to Our Office:
HWY 78 TO SAN MARCOS BLVD. GO WEST TO VIA VERA CRUZ. TURN RIGHT. OFFICE IS TWO BLDGS DOWN ON RIGHT AT THE CORNER OF BOARDWALK - 2160 S EL CAMINO REAL
OCEANSIDE, CA 92054
Directions to Our Office:
LOCATED OFF HWY 78 & EL CAMINO REAL, NORTH OF THE TARGET SHOPPING CENTER & SOUTH OF FIRE MOUNTAIN RD ON THE EAST SIDE OF THE STREET.THE BUILDING IS SET BACK OFF THE STREET,PARTIALLY BLOCKED FROM VIEW. - GROUND FLOOR
2530 E PLAZA BOULEVARD
NATIONAL CITY, CA 91950
Directions to Our Office:
LOCATED AT THE CORNER OF PLAZA AND EUCLID 2 BLOCKS EAST OF I-805 PLAZA OFF RAMP-BEHIND AUTO ZONE AND ALL AMERICAN CAR WASH. - 846 ARNELE AVE
EL CAJON, CA 92020
Directions to Our Office:
I-8 EAST: JOHNSON AV EXIT, NORTH UNDER FREEWAY; LEFT ON ARNELE I-8 WEST: EXIT MAIN ST, GO EAST. LEFT ON MARSHALL, RIGHT ON ARNELE - 626 L STREET
CHULA VISTA, CA 91911
Directions to Our Office:
TO GET TO THE NEW OFFICE TAKE I 5 AND EXIT L ST AND HEAD EAST. FROM I 8 05 EXIT L ST/TELEGRAPH CANYON AND HEAD WEST.L ST & BROADWAY
Allow yourself plenty of time and go into one of the offices armed with all your paperwork. Photocopy everything prior to your visit – this will assist the counter assistant and maybe cut your waiting time down, a little. This office is notorious for keeping you waiting.
Once you get to the counter, DO NOT allow them to keep your original passport, they should take the copies and they should suffice. Providing that everything is in order, the forms are completed correctly; you will be told that your social security number will be sent in the post. This can take anything from 7 to 14 business days, depending on the State in which you reside.
Once you receive this in the mail, you are now in the system and legally allowed to apply for credit.
2. Open up a bank account
Do your research and make sure the bank you choose meets all of your needs (especially transfers to/from your home country) and that their fees and charges are low. (I'll be doing some more research later into which banks are good for Australians moving to the US so hopefully blog about that soon).
Some say to choose one of the big boys such as Bank of America or Bank One, not the 'mom & pop' ones or the credit unions. For the first 90 days your account will be 'red-flagged' -- there's nothing you can do about this but wait it through. The bank is waiting to see whether you're just trying to cash a forged cheque [US: check] and run. This means that everything will take a lot longer to clear. The banks run a 'bad boy/girl' list called ChexSystems. At all costs make sure you keep yourself off this little horror, otherwise you'll find it almost impossible to open an account anywhere.
Open a savings or cheque/check account.
Also ask to open a Visa or Mastercard 'secured card' with a credit limit of anywhere between $300 and $1000. When the 90 days is up, don't delay any longer than necessary as the most difficult factor you are facing in building up your credit is termed 'insufficient credit history'. The bank will require a deposit into a savings account of an amount equal to your credit limit. This money and the account are locked for a period of one year. The card should be free or at minimal cost, but you may need to pay a small service fee on the savings account.
Do not view this card as a credit card because it isn't! Rather, consider it as your first step on that road to credit bliss. You should aim to use around one-third of your credit monthly but never use more than 50% of your limit. The reason for this is that the credit scoring system will flag you as 'over extended' if you use any more than half your limit. Use the card at the supermarket (US: grocery store), pharmacy (US: drug store), drycleaners, etc. Do not use it to rent a car or book a hotel room as these purchases will often place a hold on funds in excess of the amount you are charged, which could put you in default on the card agreement. In addition, avoid using it on the Internet or anything else that could produce reoccurring charges, e.g. newspaper subscription or gym membership. (One of the classic rip-offs over here is for a company with your credit card details to keep signing you up for new products and services and charging them to your credit card). Be retentive about it! Keep a running total in your wallet, then pay the bill fully immediately after it's posted online.
This method should cost you less than $20 in fees, no interest charges and is proven to work.
3. Other things to do:
- Apply for a department store card (JC Penny, Sears, etc) or gas card (Mobil, Shamrock, etc) and make sure you pay it on time and in full every time
- Apply for a car loan.
Six months later: You've got your single secured credit card with a reputable institution that posts its data to the credit bureaus in a timely manner, you've run the account perfectly, you've wisely ignored all other solicitations for cards as you don't want to be flagged as 'desperate for credit'. You will now have a Fico score. It's a pathetic and miserable one, but one nevertheless.
We need a nice spread of credit accounts on our report and the next one to head for is the car (US: auto) loan. Hopefully, you've been saving your money. Get something around the $10k to $15k mark. This is going to require some homework. First of all, get yourself over to the best advice possible at www.carbuyingtips.com and learn how it all works over here. Read it all and follow its advice before you go anywhere near a dealer.
We need to find a 'first-time buyers auto loan with no pre-payment penalty'. You'll probably have to stick with a main dealer for this one, although there's no harm in trying the Internet lenders (ELoan, Capital One, etc). Do remember that each loan application on your credit report will ding your score by around 5 points. Multiple applications within a two-week period for the same type of loan should, in theory, only produce a single 5-point fall. Therefore, choose your dealer and purchase before allowing anybody to run your credit. If you've given any of them your social security number it's too late, they'll have run your credit faster than an Italian government stays in power. Some may require at least one-year's work history, with others you will get away with as little as 6 months.
Here's the game plan but don't tell the lender or dealer (as they often make more profit on the loan than the car and will get upset): we want to pay the lowest amount in interest charges but rack our credit limit up the highest. Expect an interest rate of anywhere between 14% and 21%. Aim to put a minimum of 30% down; then pay the loan off as quickly as possible. The ideal situation is to have the money up front but still take the loan. Here's an example: Car costs $12k, down payment $4k (enough to make then feel very secure), so there's $8k out on the loan.
Expect the paperwork for paying the loan to come through around 6 weeks after taking out the loan. As soon as you've got the payment details, make you first payment as $7400, clearly marking your payment 'Extra payment to principal ONLY'. Then make 5 monthly payments of $100 each, finally closing the loan out on around the seventh month with the accrued interest. There shouldn't be any problem with this as you don't need to make the minimum payment every month if you're ahead of the payments.
The reason for keeping the loan going for more than six months is to balance receiving a good score against minimal interest payments. Any less length in the loan and it won't count towards your score. Total cost in terms of interest and those nasty little fees that they oh-so love (e.g. 'releasing the title') is probably less than a hundred or so dollars. But the future savings you'll look forward to on starting to have a good credit score are infinite.
4. Your credit score:
FICO is a mathematical model created by the Experian credit bureau as a tool for lenders to use in evaluating the risk associated with lending you money. FICO stands for Fair Isaac Company, the company that created the original scoring model. Similar models have been programmed by the other credit bureaus but they are all referred to as FICO scoring.
Credit scores are designed to measure the risk of default by taking into account various factors in a person's financial history. Although the exact formulas for calculating credit scores are closely guarded secrets, the Fair Isaac Corporation has disclosed the following components and the approximate weighted contribution of each:
35% — punctuality of payment in the past (only includes payments later than 30 days past due)
30% — the amount of debt, expressed as the ratio of current revolving debt (credit card balances, etc.) to total available revolving credit (credit limits)
15% — length of credit history
10% — types of credit used (installment, revolving, consumer finance)
10% — recent search for credit and/or amount of credit obtained recently
Current income and employment history do not influence the FICO score, but they are weighed when applying for credit. For instance, an unemployed individual with no sources of income will not usually be approved for a home mortgage, regardless of his or her FICO score.
A FICO score is between 300 and 850, exhibiting a left-skewed distribution with 60% of scores between 650 and 799. According to Fair Isaac the median score is 723 (half of scores above and below) whereas according to Experian (using the Fair Isaac risk model) the average credit score is 678 (lowest scores are farther from the median than the highest scores). The performance of the scores is monitored and the scores are periodically aligned so that a credit grantor normally does not need to be concerned about which score card was employed.
Each of the major credit unions may and probably will report your credit slightly differently, i.e. you’ll actually have 3 slightly different credit scores. To solve this little inconsistency, lenders will calculate a ‘tri-merged’ score when you’re taking out a major loan, i.e. the average score from all three major bureaux.
Only credit will build your credit score, i.e. you have to borrow money and pay it back to get a credit score. Paying the rent, utility bills can not and will not build you any credit. However, failing to pay these or paying them late can reduce your credit.
5. Other tips:
- Try not to give out your social security number wherever possible. Identity theft is common.
- Get a 'cross-cut' shredder for personal information. Identity theft is common.
- Check your credit report every year. A good additional check is to watch for the APR interest rate on your credit card statements unexpectedly jumping up. This can happen when there's a black mark on your credit record.
Register with all three credit bureaux to stop unsolicited offers. - Opt out of unsolicited 'convenience checks' being mailed when you open a credit card. Insist!
- Credit cards for Australians without a US credit history or score:
https://www.apply123.com/apply123/lowrates.php. Use the code AAATA (related to American Australian Association).
The terms seem excellent (ie 0% for balance transfers and purchases for first 9 billing cycles) and of course the biggest benefit is that you'll get approved without a US credit history and thereby start building one.
References.
Most of the wording in this article is paraphrased or quoted from:
Credit Essentials in the USA
Credit and finance in the USA
Metafilter: International Credit history
Social Security office locations
Social Security Administration (SSA)
Wikipedia: Credit score
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