MOORLACH UPDATE — Concordia, Second Harvest and Bottom 50 Cities — November 27,2019

Annual Christmas Open House at Second Harvest

Let me wish you a wonderful Thanksgiving! I hope you enjoy the holiday this week and then please accept my invitation to come to my District Office’s annual Holiday Open House on December 6th at Second Harvest Food Bank at the Great Park in Irvine.  The invitation is below.

Second Harvest recently had photographer Robert X. Fogarty in town to assemble a portfolio of individuals with a saying or phrase written on their body.  I chose Proverbs 22:9. The OC Register provides my photo below.

Concordia University Irvine  

As a young accountant, working for Richard G. Boyer, C.P.A. in the late 70’s, I was part of a team that prepared monthly financial statements for the new Christ College Irvine.  I remember attending a groundbreaking ceremony back when their Turtle Rock location was basically a barren hill and Charles Manske was the college’s President.

Who would know that some 40 years later, I would have a son-in-law who would not only graduate from the campus, now named Concordia University Irvine, but would also marry my only daughter in its original church (with the blue roof).  My sister-in-law, Stephanie, a Pepperdine University grad, would earn her Masters at Concordia. This institution, located in my Senate District, is a very special place for my family. It was an amazing honor to participate in their recent dedication of new buildings.  It’s covered in their publication below.

Cities 433 to 482 — The Bottom 50

This tenth and final segment of California’s cities, ranked by their per capita unrestricted net positions, concludes this series.

Two Orange County cities are included, Brea (#434) and Costa Mesa (#448), where my District Office is located.

Several cities in this grouping still have not completed their Comprehensive Annual Financial Report (CAFR) for June 30, 2018:  Benecia (a former state Capital), Westmorland, Fort Jones, Amador, Compton, Coalinga and Isleton. I have estimated their unrestricted net deficits based on historical trends.

The State Auditor recently ranked the city of Compton as the number 1 fiscally challenged city.  Why?  Because it hasn’t prepared a CAFR since 2013.

Carmel by the Sea had not prepared their CAFR since 2014.  The 2018 CAFR reflected a significant unrestricted net deficit, which explains their 431 ranking drop in the standings.  The same is true for the city of Bishop, thus explaining their 348 point drop.

Other than that, most of the bottom 50 cities from last year’s listing are still in the bottom 50 standings.

Rank City Population UNP 2018 (Thousands) UNP/ Capita 2017 Rank Rank Change
433 Redondo Beach 68,677 ($118,477) ($1,725) 429 -4
434 Brea 44,890 ($78,107) ($1,740) 438 4
435 Lodi 67,121 ($117,535) ($1,751) 428 -7
436 Bishop 3,922 ($6,897) ($1,759) 88 -348
437 Gardena 61,246 ($107,848) ($1,761) 407 -30
438 Colton 53,724 ($94,872) ($1,766) 446 8
439 Pinole 19,236 ($34,045) ($1,770) 391 -48
440 Benicia 27,499 ($49,272) ($1,792) 442 2
441 El Monte 117,204 ($210,560) ($1,797) 411 -30
442 Westmorland 2,325 ($4,305) ($1,852) 220 -222
443 Fort Jones 739 ($1,373) ($1,858) 221 -222
444 Amador 186 ($346) ($1,860) 222 -222
445 West Covina 108,245 ($201,952) ($1,866) 441 -4
446 South San Francisco 67,082 ($129,834) ($1,935) 458 12
447 Compton 99,872 ($194,491) ($1,947) 412 -35
448 Costa Mesa 115,296 ($224,658) ($1,949) 444 -4
449 Los Angeles 4,054,400 ($8,022,270) ($1,979) 451 2
450 Coalinga 16,791 ($33,303) ($1,983) 443 -7
451 Santa Barbara 94,807 ($189,963) ($2,004) 456 5
452 San Rafael 60,651 ($122,577) ($2,021) 460 8
453 Hayward 162,030 ($327,598) ($2,022) 452 -1
454 El Cerrito 24,939 ($50,908) ($2,041) 461 7
455 San Gabriel 40,920 ($83,870) ($2,050) 449 -6
456 Redlands 71,196 ($148,371) ($2,084) 440 -16
457 Big Bear Lake 5,512 ($11,560) ($2,097) 395 -62
458 Hawthorne 88,772 ($199,077) ($2,243) 437 -21
459 Torrance 149,245 ($354,180) ($2,373) 462 3
460 Pacific Grove 15,660 ($37,783) ($2,413) 468 8
461 Mill Valley 14,963 ($37,004) ($2,473) 455 -6
462 Pasadena 144,388 ($362,358) ($2,510) 465 3
463 San Jose 1,051,316 ($2,667,125) ($2,537) 459 -4
464 Jackson 4,679 ($11,898) ($2,543) 369 -95
465 Isleton 837 ($2,210) ($2,640) 466 1
466 San Fernando 24,602 ($66,465) ($2,702) 450 -16
467 Alameda 78,863 ($218,481) ($2,770) 453 -14
468 Sausalito 7,226 ($20,916) ($2,895) 470 2
469 Monrovia 38,787 ($122,000) ($3,145) 469 0
470 Monterey 28,323 ($91,012) ($3,213) 472 2
471 Carmel by the Sea 3,750 ($12,141) ($3,238) 40 -431
472 San Francisco 883,963 ($2,950,772) ($3,338) 474 2
473 Inglewood 113,559 ($388,751) ($3,423) 471 -2
474 Cathedral City 54,791 ($209,365) ($3,821) 477 3
475 Culver City 39,860 ($162,306) ($4,072) 478 3
476 Berkeley 121,874 ($502,673) ($4,125) 476 0
477 Palm Springs 47,706 ($212,860) ($4,462) 467 -10
478 Santa Fe Springs 18,335 ($90,543) ($4,938) 473 -5
479 Richmond 110,967 ($625,067) ($5,633) 480 1
480 Oakland 428,827 ($2,444,868) ($5,701) 479 -1
481 El Segundo 16,784 ($129,410) ($7,710) 481 0
482 Vernon 209 ($118,217) ($565,632) 482 0

25th Anniversary Look Back

The Moorlach Memo concludes with Chapter 10.   You can tell that the 1994 campaign for Orange County Treasurer-Tax Collector was a rather all-consuming endeavor.  All the more so with the Federal Reserve Board continuing its continued raising of overnight interest rates. You can see my passion 25 years ago in this editorial submission.

For the “prudently aggressive” reference, see MOORLACH UPDATE — We’re Out! Sort Of — July 2, 2017.  Regretfully, my warnings were too precise.

For the introduction and first nine chapters, see:

Intro — Context — MOORLACH UPDATE — Constitutionally Flawed Legislation — November 5, 2019.

Chapter 1 — Introduction — MOORLACH UPDATE — Business, Electricity and Top 48 Cities — November 7, 2019

Chapter 2 — Hold to Maturity — MOORLACH UPDATE — 3P, Cities 49 to 96 and Holding to Maturity — November 12, 2019

Chapter 3 — We Do Not Mark To Market — MOORLACH UPDATE — Measuring Insincerity and Cities 97 to 144 — November 13, 2019

Chapter 4 — Prognosis —  MOORLACH UPDATE — Officers, Audits, CIRM and Cities 145 to 192 — November 14, 2019

Chapter 5 — Current Media Revelations —  MOORLACH UPDATE — SB 640 and Cities 193 to 240 — November 18, 2019

Chapter 6 — Scaring Credit Markets — MOORLACH UPDATE — PSPS and Cities 241 to 288 — November 19, 2019

Chapter 7 — Borrowing to Invest — MOORLACH UPDATE — 2020-21 Budget and Cities 289 to 336 — November 21, 2019

Chapter 8 — Odessa — MOORLACH UPDATE — Audit Results and Cities 337 to 384 — November 25,2019

Chapter 9 — Appropriate Response — MOORLACH UPDATE — Appeal to D.C. and Cities 385 to 432 — November 26, 2019


If you want to make a killing, be prepared to be killed. Citron and Swan have flushed safety of principal and liquidity down the proverbial toilet for higher yields. A sophomoric investment error for someone who refers to it as “prudently aggressive” — this title wins the “oxymoron of the year award.”

Bear markets have a way of removing the Citrons and Swans of the world from the market place. Should the portfolio disintegrate–heads will roll. Get ready for recalls and key administrative and finance director dismissals. We will have a financial wasteland and the costs will be felt by those directly responsible and, unfortunately, those who voted them in. Should interest rates go back down and we do not change our investment strategy, then we will have dodged the bullet but set ourselves up for the real Armageddon in the next rate increase cycle.

These issues are of a very serious nature. There are other counties and municipalities around the country facing them, too. You need to be informed. It is your money. The lessons learned from my campaign are twofold: first, the public should not rely on patronizing and politically motivated quotes from sources like Citron or Swan, who have their rears in the sling; and, secondly, we desperately need to elect leaders who are more financially prudent with our tax dollars. In the meantime, keep your eye on interest rates, and pray that they go down.

Dear World photographs by photographer Robert X. Fogarty, lean against a wall just prior to being hung at the Second Harvest Food Bank in Irvine on Thursday, November 21, 2019. The portraits are of people who are clients, volunteers, donors, and staff, each with a written message, quote, phrase or word from the participants photographed. (Photo by Mark Rightmire, Orange County Register/SCNG)

Concordia University Irvine Celebrates Grand Opening of Music, Worship, & Theology Building

Opening of the Borland-Manske Center is the university’s newest building

Nearly 800 people were in attendance to witness the final step to the completion of Concordia University Irvine’s (CUI) newest building, the Borland-Manske Center (BMC), home of the university’s Music Department and Christ College School of Theology and Church Vocations. On Sat., Oct. 5 students, faculty, and alumni gathered together to bless and dedicate the new building.

The dedication ceremony included reflections by Theology Christ College faculty and speeches by elected officials. “It’s been an honor seeing Concordia University Irvine grow from that little Lutheran college on a hill to what it is today,” said California State Sen. John Moorlach. A ribbon cutting followed the ceremony symbolizing the official completion of the building. Inside, self-guided tours and performances by various Concordia ensembles then ensued.

The naming distinction commemorates the vision of Concordia’s founding President, Rev. Dr. Charles Manske and the philanthropic generosity of Mike and Caryn ’85 Borland of Newport Beach, CA.

The 37,500 square foot space is composed of two wings—one home to the Music Department and one home to Christ College School of Theology and Church Vocations. The Borland-Manske Center serves as the intersection of musical tradition and theological foundation, values core to the Lutheran faith.

A new recording studio has also found home in the Borland-Manske building’s music hall. “Concordia’s new studio was designed by John Storyk of New York-Based Walters-Storyk Design Group (WSDG) who is quite possibly the world’s preeminent acoustician and studio designer,” said CUI Professor of Music and Director of Commercial Music Steve Young. In addition to designing educational recording complexes for NYU and Berklee College of Music, WSDG has played an integral role in the creation of acoustic designs for NYC’s Jazz at Lincoln Center, and studios used by high profile artists such as Adele, Alicia Keys and Jay Z. “While CUI is fortunate to partner with such a prestigious studio designer, the students are the real beneficiaries as they get to learn and grow in a world class facility!”

The 1,110 square foot recording studio will be used as a recording, teaching, and rehearsal space. Given Concordia’s proximity to the Los Angeles music industry, the space provides a venue for students and alumni to grow and gain professional for the workforce. Both choral and instrumental ensembles will use the professional recording studio, as will the Music Department’s newest major program–Commercial Music.

The main floor of the Music building is composed of an orchestra hall, choral rehearsal hall, percussion room, and piano instruction room. The top floor also accommodates practice rooms, and faculty studios for special practice and instructional tutorials. The lower floor houses a live recording room with three isolation booths, a control room, classrooms, an open office suite, faculty offices, student lounge, and conference and breakout rooms. The studio is tied into the orchestral and choral rehearsal rooms, allowing for multiple ensembles to record simultaneously.

The Christ College Wing of the building is home to Concordia’s school of theology, church vocations, and philosophy as well as the graphic design program. Updated classrooms, conference rooms, offices and a dedicated library for theological works help comprise this wing. The newly dedicated library for theological works includes a broad range of important and engaging sources on a wide range of theological topics.

“A great advantage of having the library located in the Christ College wing of BMC is that students using the library are close to the faculty who are teaching their courses, so they can ask questions or engage in discussions that they would not have if they had to consult these works in the general library,” stated CUI Associate Dean of Christ College Rev. Dr. David Loy.

New technology-enabled classrooms in the wing also expand the student’s capacity to learn and supplies professors with new possibilities to work. “A number of the rooms in Christ College are equipped for active video conferencing for distance education. Just this afternoon, I taught a class in which my students were in a BMC room while I am away at a conference out of state. That’s a true blessing,” said Professor of Theology and Dean of Christ College Rev. Dr. Steven Mueller. With Concordia being the only university that provides a bachelor’s and master’s degree for Directors of Christian Education online, this technology can help boost this program and connect professors with their students around the nation.

The Borland-Manske Center addresses the need for modernized classrooms, lecture halls, rehearsal halls, and office growth and expansion as original facilities have aged since 1976 when the campus was built. With the rise of enrollment in music degree programs is another reason for construction of the new building.


Concordia University Irvine (CUI) is a non-profit Lutheran Christian liberal arts four-year university that prepares students for their vocations—their callings in life. Concordia offers undergraduate and graduate programs in education, nursing, theology, business, and athletics administration. CUI’s undergraduate program is distinctive because of its nationally recognized core curriculum, Enduring Questions & Ideas, and its Lutheran heritage that provides a thoughtful and caring Christian community that lives out the theology of “Grace Alone. Faith Alone.” Concordia is a U.S. News Top Tier Regional University and has been named by The Chronicle of Higher Education as one of the fastest growing private nonprofit master’s institutions. The university is part of the Concordia University System, the second largest education ministry system in the United States just behind the Catholic Church. Concordia Irvine—the only NCAA DII university in Orange County—enrolls about 4,000 students annually and is a designated Hispanic-Serving Institution (HSI).


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