Thank you for your help. I think that you are right in the fact that it is a fungus no that you have bought it to light. However, I only water it during the morning hours. there is a couple other things I should say before I go start cutting on George (yes I named the tree, kinda brings a little more closeness..and I talk to it too..LOL) I Live in Mission Viejo CA which is just south of Los Angeles so the climate has a little or no humidity normaly except now during the rainy season) I also keep the tree inside most of the time in a eastern window. I check the soil with a toothpick daily and usually have to water on Sundays. this is the first time I have kept a Bonsai inside, but it is doing the best so far until the black sposts on the tips. Like I stated before, there is alot of good growth, which I didn't think I would see till spring. I tell you all this in the hopes that you come up with the same conclusion about the fungus and i can correct it without hesetation. I just hate cutting on George, but if it is good for it I'll take care of it.
Thank You Again,