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Tuesday, April 16, 2013 – Daily News 5B Strategies to improve water supplies for Central Valley SACRAMENTO – The driest January through March on record is causing water supply challenges for much of California, particularly for the Central Valley Project agricultural water service contractors in the western San Joaquin Valley. The Bureau of Reclamation, working closely with the California Department of Water Resources, has implemented several actions to improve water supply conditions south of the Sacramento-San Joaquin Delta to the greatest extent possible and is preparing to implement certain additional actions in the near future. Five specific actions are improving CVP water supplies by more than 100,000 acre-feet to support current westside water allocations. Several other actions to augment future water supplies, including water transfers, could total another 200,000 acre-feet. In addition, new rescheduling guidelines implemented by Reclamation this past winter has allowed CVP contractors to carry over 225,000 acre-feet of their 2012 supplies for use in 2013. "Reclamation is currently working every prudent avenue, with our partner agencies and customers, to deliver water to where it is needed in this critically dry year," said Mid-Pacific Regional Director David Murillo. "For the long-term, successful completion of the BDCP, including a new diversion and conveyance facility, would have state of the art protections for the benefit of endangered fish species, would help restore some of the natural flow of water through the Delta, and would provide some certainty and stability to California's water supply." The CVP provides water for agricultural, municipal and industrial, and environmental purposes through complex processes, driven by numerous factors, including hydrology, operational limitations, environmental considerations, regulations, court decisions and a changing climate. Actions that have been included as factors in calculating the current CVP allocation for south-ofDelta water service contractors: • Delta-Mendota Canal Intertie: Use of the Intertie between the Delta-Mendota Canal and the California Aqueduct, located in bank CVP water for use in dry years. So far this year, Reclamation has approved the return of 20,000 acre-feet of banked CVP water to south-of-Delta water users for the 2013 water year. • Water Transfers: Reclamation approves the transfer of CVP water and enters into Warren Act contracts for the movement and storage of non-CVP water transfers. Reclamation is evaluating the quantity and timing of water transfer opportunities through the Delta this summer. Transfers allow CVP contractors to augment their CVP allocation. Potential transfers include north-to-south transfers of Yuba River water, estimated at 50,000 acre-feet; east-to-west transfers of 37,000 acre-feet; and San Joaquin River Exchange Contractor Long-Term Transfer Program transfers of about 62,000 acre-feet. Reclamation has approved a south-of-Delta water rights transfer of 12,000 acre-feet and San Joaquin Valley in-basin transfers of 5,620 acre-feet. More information on CVP water management is available at: http://www.usbr.gov/mp/PA/water /index.html. fits, with secondary benefits of improving Delta exports to the CVP and State Water Project. The water would be released from New Melones Reservoir in April and May, and a portion would be diverted for CVP and SWP use. About 30,000 acre-feet will likely be available for supplemental CVP allocation. • Refuge Groundwater Pumping: Groundwater wells in the Grasslands Resource Conservation District and the Grassland Water District will be available to pump additional water. Half of the water pumped will be used to meet refuge Level 2 water demands in lieu of using CVP water, with a like amount of water going back into the CVP yield for allocation to the west side of the San Joaquin Valley. The estimated total quantity of pumped groundwater will be about 4,000 acrefeet, making 2,000 acre-feet available to improve CVP supplies. Reclamation's actions to augment future water supplies include: • Water Banking: Since 2001, Reclamation has approved 20 requests from CVP contractors to Alameda County, west of Tracy. The Intertie has been used to improve water supplies by 38,000 acre-feet to date in 2013. • Yuba River Accord: Through agreement with the California Department of Water Resources, a portion of the water made available by the Yuba County Water Agency will add to CVP supplies this summer. After system losses, the CVP will likely receive about 24,000 acre-feet. • CVP Water Use Flexibility: Under a "flexibility" agreement, the San Joaquin River Exchange Contractors have used alternative sources of water supply early in the year to delay use of CVP water supplies from the Delta. This potentially provides more Delta water supplies for delivery to CVP water service contractors on the west side of the San Joaquin Valley during the peak irrigation season. About 9,000 acre-feet of water demand is projected to be shifted for user later in the year. • Stanislaus River Fishery Flows: Reclamation is accommodating the release of water from senior water rights holders on the Stanislaus River for fishery bene- Tri-County Sams Chapter enjoys first campout of the year in Gridley The Tri-County Sams Chapter of the Good Sam Club held its first campout of the year at the Gridley Inn & RV Park with 10 rigs in attendance. On Friday night they had dinner at the local Casa Lupe Restaurant with 16 people in attendance. On Saturday, most of the people left the park and ventured out for local day trips to see the area. Bob and Pearl Divine were Trail Bosses and decorated the clubhouse in a St. Patrick's Day theme for the Saturday night potluck dinner. In the evening, the group gathered for a roaring campfire and enjoyed the stars. This was the first time the group had camped at this RV Park and many of the members felt this was one of their favorite out- ings. The April 12-14, 2013 Campout will be held at the Mountain Gate RV Park with Ed and Reta Pereira as Trail Bosses. Some of the members will be meeting on Friday morning at 11:30 a.m. at The Cozy Diner in Red Bluff for lunch and then travel together to the RV Park. Consumers turn to BBB reviews SACRAMENTO — Better Business Bureau serving northeast California is experiencing a surge in consumers seeking BBB Business Reviews for mortgage brokers. The data suggests consumers are seeking brokers they can trust as refinances and purchases rise in popularity. In the first three months of 2013, BBB fielded nearly 6,000 inquiries into mortgage brokers locally, a 38 percent increase compared to the same period in 2012. Nationally, BBB reported an 18 percent increase, recording nearly 500,000 visits to BBB Business Reviews of mortgage brokers. "As property values slowly rise and interest rates remain low, BBB encourages those seeking a mortgage to be sure their lending journey is a smooth one," said Gary Almond, president of BBB Serving Northeast California. "Verifying the trustworthiness of a broker before doing business improves the likelihood of a satisfactory transaction." In addition to checking out your mortgage broker at necal.bbb.org, BBB suggests the following tips: Verify licensing. In California, a mortgage broker must be licensed by the California Department of Real Estate or California Department of Corporations. In some cases, the broker may be licensed by both entities. Utilize the multiple department license lookup and guide before engaging in services to ensure a full understanding of the scope of your broker's work. Ask questions. Find out what terms are associated with advertised rates. Ask whether the rates apply to fixed rate programs or adjustable rate programs. Understand that adjustable rate mortgages may cause your monthly payment to fluctuate at any time. Ensure proper disclosures are made. Upon completing a loan application, you should receive several disclosures. • The Real Estate Settlement Procedures Act (RESPA) requires that most borrowers receive a Good Faith Estimate. This document discloses all potential costs associated with your mortgage. • You should also receive a Truth In Lending Act disclosure within three days of completing your loan application. This document should include finance charges, your APR, amount financed, schedule of payments and the total amount paid after all payments are made. • A mortgage servicing disclosure should be provided to notify you of whether the lender can sell or transfer the servicing rights of the loan. Know that if servicing rights can or will be sold, you may be dealing with a different lender when making payments. • Other disclosures may be provided over the course of the process. It is important to read each disclosure and understand the contents. Be aware of fees. In most cases, a borrower can expect to pay an origination fee to the mortgage broker or loan officer. Find out if you are responsible for the cost of the appraisal and home inspection. Know that you may be responsible for funds paid to escrow agents, title companies and other involved entities. Consider other services included in your monthly payment. Should you pay less than 20 percent down, you may be required to purchase mortgage insurance. Some homes may require a homeowner's association fee to be paid. In other cases, your home insurance and taxes may be included in your monthly payment. Understand your right to rescind. When refinancing or purchasing a primary residence, a borrower has a threeday recession period after closing to review closing documents. However, if the refinance or purchase is made on a second home, there is no right to recession. 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