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Cupertino

20548 Lomita Avenue,Saratoga, CA 95070 (408) 867-6264

Saratoga

17175 Monterey Rd.Morgan Hill, CA 95037(408)706-5996

Morgan Hill

4248 Solar WayFremont, CA 94538(510) 651-9631/9937

Fremont

35479 Dumbarton Court, Newark, CA 94560(510) 742-6848

Newark

7

www.hoc.org

www.hvfhoc.com

Sharon Chinese Bapt is t Church

415-397-6859 415-397-2828 981 Washington Street, San Francisco, CA 94108

Chinese Independent Baptist Church SF

::

::

9:45am 11:15am 9:45am 11:15am

GGCC AdvertisementSize: W 2.875 x H 4

San Francisco

1100 1115 1000 1000

****** 1. : 1811 34th Ave (Noriega )2.

1811 34th Ave, San Francisco, CA 94122415-831-2313

19th Ave. Chinese Baptist Church

1398 19th AvenueSan Francisco, CA 94122

9 AM 11 AM (415) 566-1232

1 A11

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24

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12/01/12 2

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01/05/13

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C h i n e s e C h r i s t i a n C h u r c h

10 Chester Ave., San Francisco, CA 94132( , 19th Ave. )

Tel : 415-317-4520 www.youtube.com/ccchurch10 www.ccchurch10.org

: : 1 1 : 0 0 : 9 : 3 0 - 1 2 : 0 0 : 7 : 0 0 - 9 : 0 0

? !

Immanuel Worshippers (ACM Canada) Derek Kwok dkbrother@gmail.com

2013216-18Union City408.887.5173:www.cffcusa.org

"..." (1:1)~?12/15/2012 (Sat)7:30pm -- 1620 Ir-ving Street (17-18th Ave. ), San Francisco, CA* $5, 128 (415) 664-3303 !

??? : : (Nellie): : : (MP4), : 408-265-8092 (Pinnie) 408- 644-3394523 8th St. Oakland 10:00-12:001/07/13 3/25/13 510-282-7669

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1/05/2013 3/30/2013 730 900 1030 1200 $55 65 $3020 http://www.cbcsj.org/chi-nese/info/index.html www.cbcsj.org2215 Curtner Ave., Campbell, CA 95008(408)371-6200

20121:303:00448 Francis Drive, San Jose, CA 95133408-926-2621

2012 10:30 1951 Sacramento Street Berkeley, CA94702510-848-8722

1811 34th Ave (Noriega

) SF (415)

831-2313

1228:3010:3010:307:30www.hopelutheranfremont.org3800 Beard Road, Fremont, CA 94555501-938-0505

()(510)237-0925solidrock_media@yahoo.com

1 A12South Bay

977 Shadow Brook DriveSan Jose, CA 95120Fax: (408) 997-2665

9:45am-10:20am 10:30am-12:00pm

Guidepost Gospel Church

6345 Janary Way San Jose, CA 95129 Tel : (408)927-9257

:408-725-8733:408-725-8791website:www.cfccsj.org4255 Williams Road, San Jose, CA 95129(Saratogawilliams-25,57,58)

: 8:30-9:40 10:00-11:10 10:15-11:15 11:30-12:40 ()

() 9:00-11:15

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(408) 371-6200 www.cbcsj.org

COMMUNITY BAPTIST CHURCH OF SAN JOSE

2215 Curtner Avenue, Campbell, CA 95008

RIVER OF LIFE CHRISTIAN CHURCH

408-625-4998 415-593-9280 510-576-6976916-307-4619 650-230-0823 925-871-2760 206-279-5939 425-606-3682 503-334-3501

www.rolcc.net 1-888-697-6522

8:30/9:45/11:15 AM 11:15 AM 9:45/11:15 AM 1:30 PM

Smartphone Apps . . . River of Life Rolcc

408-260-0257 408-748-3377

448-454 Francis Drive, San Jose, CA 95133 408-926-2621 www.scbc.net reachout@scbc.net

Southbay Chinese Baptist Church

:

:

10:00am 11:20am 7:30pm AWANA CLUB

:Larry Tong:(Peter Wang)

:(Joni Yee)

South Bay

The Point The Point Church of the Nazarene

,,,, . :

:Pastor Greg Gate : : :(408)813-5822 :fongschan@yahoo.com

: 3695 Rose Terrasse CircleSan Jose, CA 95148

: (408)270-7646:WWW.sjnazarene.com

http://www.cchcsf.org/church-directory

West Valley Christian Alliance Church

: 9:30am () 11:00am (), ,

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: 3003 Moorpark Ave., San Jose, CA 95128/: (408)244-9225 : www.westvalleyalliance.org


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San Bruno Chinese Church

250 Courtland Drive San Bruno CA 94066 Tel. (650)589-9760www.SanBrunoChineseChurch.org

: :

: 10:00 am 11:30 am : 8:00 pm : 7:30 pm :

Faith Community Church of Peninsula

,

10:00-11:30am

Belmont Community Center20 Twin Pines Lane, Belmont, CA 94002

Off Ralston, 2 Block West of El Camino Real : (650) 292-1217 : www.faithccp.org

Grace Gospel Christian Church

Reformed Church in America

: : Hilton Garden Inn 2000 bridgepointe Circle, San Mateo, CA 94404 : (650) 212-5858: www.gracegospel-rca.org

: :

9:30AM 11:00AM

: 234 9th Ave. San Mateo, CA 94401: (650)570-5877 () : (650)570-5334 web: www.ccba-sm.org Email: info@ccba-sm.org

Peninsula Chinese Alliance Church256 N. El Camino Real, San Mateo, CA 94401: (650) 343-7677 : www.p-cac.org

: :

9:30AM 9:30AM 11:00AM 11:30AM

Sacramento

3424 Fruitridge Road, Sacramento, CA 95820 916-421-8207

Maranatha Christian Church

::

10:00am / Billingual

845 1000 730 (916)422-4474

1000 845/1120 700 (916)422-4253

1120 1000 730 (916)422-4276

6656 Park Riviera Way,Sacramento, CA 95831(916) 422-6547www.ChineseGraceBibleChurch.org

RENO Immanuel Chinese Alliance Church

162 Hubbard Way, Reno, NV 89502(775) 828-4223 www.icacreno.org

linbenlin777@gmail.com

9:30 am 11:00 am 12:30 pm 2:00 pm

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Vallejo Chinese Christian Church

2025 Sonoma Blvd., Vallejo, CA 94590

Raymond Shih Lead Pastor

(707) 654-6253 vccc4u@yahoo.com

() 11:30 () 10:00 () 11:30

10:00 ( $20.00) Carlina Lee

Principal(510)-409-6818 lee8883@gmail.com

Other Areas

Hiring

()

1. 2. 3. () 4. 5.

352-328-4435 352-870-1665tia@ce.ufl.edu

Edward Kiang ( )Email: wienhao1@yahoo.com

1434 Bullard Avenue, Clovis, CA 93611(559) 360-2209

Valley Chinese Baptist Church

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Contact:PastoralSearchCommittee

E-Mail: svacsearch2012@gmail.com

:

:Mr. Clifton WongSan Francisco Chinese Baptist Church1811 - 34th Avenue, San Francisco, CA 94122 e-mail: CLIFTONCWONG@GMAIL.COM

510-893-3210:ad@cchcsf.org

www.chinesegracebiblechurch.org

Fellowship Pastor Search CommitteeChinese Grace Bible Church6656 Park Riviera Way, Sacramento, CA 95831 email: fpsc.cgbc@gmail.com

500

pastorsearch@ggcrc.org415200-6494

510-893-3210:ad@cchcsf.org

Associate Pastor 200

Ms.Jenny Mih10463 Noel Ave., Cupertino, CA 95014

sjcac.ms.search@gmail.com1975

http://sjcac.org/chi/cong/index.php

Jenny 408-973-9678

(http://www.gefcsf.org)

- -(M.Div) - - - - personnel@gefcsf.org

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Mr. Kelvin ChauSan Francisco Chinese Baptist Church1811 34th Avenue, San Francisco, CA 94122e-mail: kmchau@comcast.net

1 A13

510-893-3210

/5...1/8/2013 - 2/5/20135 10:00 - 12:00** **

4:00 - 5:15 3:30 - 5:30Fremont Chinese Independent Baptist Church37365 Centralmont Place,Fremont, CA 94536

()1/9/2013 - 3/20/2013 6 3:00 - 4:30$30.00

1/19/2013 - 5/11/2013, 2:00 - 4:00 $5.00

1:30 - 3:30

* 1/9/2013 - 3/27/2013 10:00 - 12:00 $5.00

()1/16/2013 - 3/27/20136 3:00 - 4:30$30.00

()

(Cali-fornia real estate license)

18

: (Real Estate Principles) (Real Estate Practice)12()(Real Estate Finance)

Rockwell In-stitute

1/5/2013 2/9/2013 (6) , 9:00 - 1:00$699.00

100 12/14/2012-2/15/201310 1:00 - 3:00 $10.00

- ???1/07/2013 3/25/201310:00 - 12:00: (Nellie) 510-282-7669

510-893-3210

,

1:30 - 4:00

: 10:00 - 4:00

510-893-3210

10:00 - 4:00

510-893-3210

!12/6/2012 10:30 - 12:00

- Party Bonny Yau Dr. Abraham Law 12/15/2012 10:0012:00** !!!

12/18/2012 2:303:30

12/1/2012 10:00 12:00

12/29/2012 11:00 1:00* (510) 893-6495 ()(510) 489-3460()

Cupertino (CCIC-Cupertino)

(Youth Minister)

1.

2.

3.

4.

5.

6.

7.

Contact: (Elder Liang Tsai Lin,

liangtsai@gmail.com, 408-996-2000)

Chinese Independent Baptist Church

280 Eighth Street, Oakland, CA 94607

. . .

ulylim@yahoo.com & altam1@comcast.net

787Pike Place

Market -

3

Portland SeattleSeattle Underground Tour Seattle ,

Seattle

Underground TourMagic Mouse Toys

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3 A14

Capitol VillaCapitol VillaCapitol Villa Residential Care Homes, Highest Quality Care for over 20 years

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Professional Help, Personal Care.

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1 A15 (Berber) 99%

(Ramadan)

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Imam ()Imam200dirham(US$22)

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1 A16

455 HICKEY BOULEVARD, SUITE 500DALY CITY, CA 94015-2631

The underwriting risks, financial and contractual obligations, and support functions associated with the products issued byAmerican General Life and Accident Insurance Company (AGLA) are its responsibility. AGLA does not solicit business in the states of New York and Wyoming.

Policies and riders are subject to limitations and exclusions and are not available in all states. See your agent for details. 2012 All rights reserved.CA30-12-02

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HANNA PHAMASSOCIATE MANAGER

CA LICENSE 0G58474(408) 568-0708

FOR MORE INFORMATION,PLEASE CONTACT:

AGLA gives us an opportunityto work and help our community,our family, and our team.

CONGRATULATIONS TO HANNA PHAMPROMOTED TO ASSOCIATE MANAGER OF SILICON VALLEY OFFICE

1983

1991

1989

2002

1

--

1 A17

2012

ROGER YANGENERAL MANAGERCA LIC 0C22676(650) 678-6830

AN TRANASSOCIATE G.M.

CA LIC 0A07622(408) 623-4896

DAVID DAIASSOCIATE G.M.

CA LIC 0G36398(415) 336-0166

DONNA WUASSOCIATE G.M.CA LIC 0G59371(415) 272-8928

EVA TAMSPECIAL REP MGRCA LIC 0E51275(415) 608-0750

SIMON CHEWSPECIAL REP MGRCA LIC 0752730(415) 661-3885

TOM NIESPECIAL REP MGRCA LIC 0D61028(415) 613-0972

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CONA YANASSOCIATE MGR

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CA LIC 0G66470(415) 370-3472

PAULA LAUASSOCIATE MGR

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TIMOTHY YEHASSOCIATE MGR

CA LIC 0E49525(408) 375-5033

MIA WANGASSOCIATE MGR

CA LIC 0D84526(408) 318-3108

TO OUR CLIENTS, COMMUNITY, AND FRIENDS

Thank YouFOR YOUR CONTINUED SUPPORT AND PATRONAGE

We wish you a very Happy Thanksgiving!

455 HICKEY BOULEVARD, SUITE 500DALY CITY, CA 94015-2631

THE UNDERWRITING RISKS, FINANCIAL AND CONTRACTUAL OBLIGATIONS, AND SUPPORT FUNCTIONS ASSOCIATED WITH THE PRODUCTS ISSUED BYAMERICAN GENERAL LIFE AND ACCIDENT INSURANCE COMPANY (AGLA) ARE ITS RESPONSIBILITY. AGLA DOES NOT SOLICIT BUSINESS IN THE STATESOF NEW YORK AND WYOMING. POLICIES AND RIDERS ARE SUBJECT TO LIMITATIONS AND EXCLUSIONS AND ARE NOT AVAILABLE IN ALL STATES.SEE YOUR AGENT FOR DETAILS. 2012 ALL RIGHTS RESERVED.CA30-12-03

CA30-0712-03

(Eric Moo)

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2.

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3.

510/790-3366

4.

1

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(50)1) ( $2.00, $4.00, $4.00) : 536-8th Street, Oakland, CA 94607 Tel :(510) 893-3210 : 667 S. King Street, Seattle, WA 98104 Tel :(206) 624-0988

2) ( $3.00, $5.00, $5.00, ) http://www.heraldcancercare.org/books

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(At the restaurant) Owner Good evening! How many? Table for five? Customer No, we have ten people altogether. Owner I see. We have a big table available now. But Im sorry that we are heavily booked later on. We will need the table at 7:30PM for our next guests.

Customer Wow! You really are busy tonight. Owner Is it a special occasion tonight? You all look so lovely! Customer Yes, it is my parents 46th wedding anniversary. Owner Congratulations! My blessings to your parents. Customer They are the ones who are late. Owner Please let the elderly take their time. Ill bring you the menus. Customer Thank you for your understanding. Well order right away. Owner No problem at all. How about some dessert on the house to celebrate? Customer Thats awesome! Thank you!

1-408-263-8585

(Kay)

1987 Kay

Castro

District

Kay

ESL(

)

Kay

Castro Market

!

Kay

( 2:13)

:

City College SF State U.

(Marketing)

(Fremont)

:

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(San Jose Alliance Church)

(David)Kay

David

1997

Kay

(Marketing and Sales)

Banana Leaf(

) 1999

(Milpitas)

David

Kay

Kay

David

2003

( Banana

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3:5-6

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Nashville (615)337-5145 Su10p 107LyleLane,Nashville,TN37210

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SF (415)392-1500 Su8p 925StockonSt.,SanFrancisco,CA94108

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RohnertPark (707)584-7835 T3:30p 5850CommerceBlvd.,#B,RohnertPark,CA94928

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Milpitas (408)206-8443 W10:45p 10DempseyRd.,Milpitas,CA95035

Campbell (408)927-9257 M10p 2615UnionAve.,Campbell,CA95124

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:M:,T:,W:,Th:,F:,Sa:,Su:;a:,p:

3131 Bowers Ave., Santa Clara, CA950541-408-986-85841-408-986-8581www.heraldrgm.orgAmen Tang)

2

4988 Paseo Padre Parkway,

Fremont CA 94555

Tel:510-818-9883

chifa168@gmail.com

(401)722-8877 T8p 333RooseveltAv.,Pawtcket,RI02860

(West Windsor, NJ 08550) (917)805-3381 W 10:30p

(908)268-3653 M 3p 5123 7th Ave., Brooklyn, NY 11220

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(412)853-5477 Th,Su10p 515MonroevilleAve.,Pittsburgh,PA15145

(717)227-2288 T9p 564 Shrewsbury Commons Ave., Shrewsbury, PA 17361

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(407)489-2228 S9p 2240W.FairbanksAve.,WinterPark,FL32789

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(317)748-6348 F11p 9035E.21stSt.,Indianapolis,IN46229

(269)375-0196 S10:30p 5334ParkviewAve.,Kalamozoo,MI49009

(414)906-9208 Su10p 2519EastKenwoodBlvd.,Milwaukee,WI53211

(608)516-5605Su8:45aW10:30p301RiversideDr.,Madison,WI53704

(469)360-7651 T2:30p 930W.ParkerRd.,#410,Plano,TX75075

(972)437-3466T10:30pT8:30p 1707CampbellTrail,Richardson,TX75082

T5:30p 275S.HazelCourt,Denver,CO80219

Phoenix (480)788-4977 T11p 890WRayRd.,Chandler,AZ85225

(480)993-9497 W11p 4243WGreenwayRoad,Phoenix,AZ85023

Arizona (520)906-9137 W,Su10:30p 1501NSahuaraAve.,Tucson,AZ85712

LasVegas (702)368-3688 M11p 5630W.CharlestonBlvd.LasVegas,NV89146

(323)722-8888 T3:30p 869N.WilcoxAve.,Montebello,CA90640

Torrance (310)325-7777x235 T10p 2780LomitaBlvd.,Torrance,CA90505

(562)352-0268 Th2:30p 16510BlackburnDr.,LaMirada,CA90683

(818)920-4647 Th8p 9950BalboaBlvd.,Northridge,CA91325

(805)241-5625 T10p 218W.JanssRd.,ThousandOaks,CA91360

(909)263-1293 W10p 19267ColimaRd.,#J,RowlandHeights,CA91748

(626)251-6486 W8a 219E.MissionRd.,SanGabriel,CA91776

(626)576-7688 T10p 2223W.CommonwealthAve.,Alhambra,CA91803

SanDiego(858)675-8777x121 Su10p 12335WorldTradeDr.,#2-5,SanDiego,CA92128

(951)704-5472 M10p 40184ProvostCt.,Murrieta,CA92563

(661)397-4504T10p();Sa8p() 203S.HStreet,Bakersfield,CA93304

Fresno (559)313-2836 F10p 4285N.BlackstoneAve.,Fresno,CA93726

(510)857-3797 M9p 38451FremontBlvd.,Fremont,CA94536

(415)397-3727 Su10a 431BushStreet,SanFrancisco,CA94108

(415)717-7522 F2p 818WashingtonStreet,SanFrancisco,CA94108

SF (415)392-1500 Su8p 925StockonSt.,SanFrancisco,CA94108

W9:30a88 Chinese Restaurant, 15809 Channel St., San Lorenzo, CA94580

(510)364-5166 M10p 1743DecotoRd.,UnionCity,CA94587

(510)409-0747T11p2025SonomaBlvd.,Vallejo,CA94590

WalnutCreek (925)933-0112 M10:30p 2460BuenaVistaAve.,WalnutCreek,CA94598

Oakland (510)501-3797 Su,Th10:30p 5238thSt.,Oakland,CA94607

RohnertPark (707)584-7835 T3:30p 5850CommerceBlvd.,#B,RohnertPark,CA94928

(408)931-3232 W10p 10825NWolfeRd.,#220,Cupertino,CA95014

Milpitas (408)206-8443 W10:45p 10DempseyRd.,Milpitas,CA95035

Campbell (408)927-9257 M10p 2615UnionAve.,Campbell,CA95124

(503)317-2383 M,T,Th,Sa10:30am 5415SEPowellBlvd,PortlandOR97206

(541)390-1528 Sa9p 2752RedOakDrive,Bend,OR97701

(206)725-6363 T7:30p 5801BeaconAve.S,Seattle,WA98108

:M:,T:,W:,Th:,F:,Sa:,Su:;a:,p:

2 A19

2

14

19

18

20

(517)

2

--

http://www.flying-life.com/

shop_content.php?coID=14

1 A20

1989101715

AlamedaFoster City

1017

()

Indepence

DayThe Day After Tomorrow

Daly City

Q

1

Alice

1 B1

Math/English/SAT/Test Prep

APSAT

California LocationsSan Francisco - 415-753-9529San Jose - 408-441-8462Oakland - 510-282-6625SF China Town - 415-398-3266Cupertino - 408-253-3980Newark - 510-585-7243San Ramon - 925-550-5973Fremont - 510-717-1681

Washington LocationsRenton - 425-333-7333Woodinville - 425-368-3008Northgate - 206-801-6688Redmond - 425-292-1818Bothell - 425-368-3069Issaquah - 425-272-1328Bellevue - 425-453-9532Seattle - 206-341-9914Lynnwood - 425-741-3000

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1

1011

SAT510-893-3210

481620131 (20) $400

- SAT

-

-

-

- 20

510-893-3210 www.cchcsf.org

510-893-3210

,

,

(mock interview)

?(

)

, (Duke University)

(University

ofCalifornia),

(Harvard),(MIT),

(Yale)

(alumni inter-

view),

,

,

,

,

,Benjamin

,

,

(thank you letter)

,

,

,

,

,

1

5

30

5

!

10am

544 Clement Street (6th Ave & 7th Ave)San Francisco, CA

94118

B2

%DQDQD/HDI

Little Hong Kong

Restaurant

11 9

10443 San Pablo Avenue, El Cerrito 510-524-0888

Ohana & Alohana San Leandro 1933 Davis St. #135A Tel. 510-383-9898 15555 E 14 St. #319 Tel. 510-481-8888

4.95 ; $4.95, , $6.95 !

10 ; exp. 3/31/10 20

Ohana & Alohana San Leandro

4.95 ; $4.95$6.95

B2

%DQDQD/HDI

Little Hong Kong

Restaurant

11 9

10443 San Pablo Avenue, El Cerrito 510-524-0888

Ohana & Alohana San Leandro 1933 Davis St. #135A Tel. 510-383-9898 15555 E 14 St. #319 Tel. 510-481-8888

4.95 ; $4.95, , $6.95 !

10 ; exp. 3/31/10 20

Ohana & Alohana San Leandro

10; exp. 3/31/1220

4.95 ; $4.95$6.95

VENUS TAM CAF'E

6267 JARVIS AVE.NEWARK,CA,94560

20956 HOMESTEAD ROAD #HCUPERTION,CA ,95014

TEL:510-744-1188FAX:510-744-1319

TEL:408-865-1122FAX:408-865-1166

1787 Landess Ave., Milpitas, CA 95035 () 408.956.8800 www.wokstarexpress.com Sun - Wed 9am - 9:30pm Thur - Sat 9am - 12am

WOK STAR EXPRESS

2 ()

()

: 35g 35g 84g 112g 34g 56g 112g ()

* ()tsp

:1. , , ;2. , 2;3. , ;4. ;5. ;6. 2, ;7. 25;8. ; 2, ; (, , .9. : 112g34; :112g

: 75g 1- 1 50g 100g 1/2TP1. 2; 2. 15;3. 10, ;4. , ; 1,; , ; 5. -

: 80g 80g/ 100g

: haricot bean 300g 100g 2 ~ 3

:1.), , 20,10, ;2.) , 3.) 1, ; , ;

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BLESSED GARDENPARTY & BUFFE AVAILBLE

ALL Day Delivery (for order over $15)

Mon-Sat : 11am-9:30pmSun : 4pm-9pmTel : 510-558-3168Fax : 510-225-0248ADD : 1428 San Pablo Ave.,Berkeley, CA 94702

Mon-Sat : 11am - 9:30pmSun : Close

Tel : 510-444-2991Fax : 510-444-2971ADD : 419 15th St., Oakland, CA 94612

$15.99

www.theblessedgarden.comwww.blessedgardenchinese.com

* ** 430

http://blessed.chinesemenu.com

395()

536()727()Clement544()

$16.88201510-444-2991

419 15th StreetOaklandCA

ABC

4

64%90%

:

:111.6

Teresa

8 8 E . 4 t h A v e . , S a n M a t e o , C A 9 4 4 0 1 ( 6 5 0 ) 3 4 3 - 6 9 8 8

$268

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()

$188

$98

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$39.80/ ()

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()

1 B3

(pumpkin)(butternut squash)/(acorn squash)/(spaghetti squash)(banana squash)(kabocha squash)(turban squash)

2~32111~2112~22:

C

AC

? (50-60)

Catherine Wong, RD, MPH

(Nutrition Facts)

(103)

57 0

0 1%

0 1%

0

0 0%

4 0%

15 5%

5 18%

0

1

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0

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0

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36 2%

21 7%

1 13%

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2

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1 B4

MORTGAGE CENTER CORP.

199 California Drive, Suite 200 Millbrae, California 94030

Cell:650-483-8250 Tel: 650-652-9000

skwlee3388@msn.com

Simon Kim Lee

Broker DRE Lic#00898196

()

(SHORT SALE)

Mimi Du (RE License # 01304977) Loan Consultant, Realty World SVI Group 408-661-6683 mimidu8@yahoo.com

Real Estate Financing Of All Types of

Properties in California

, !

Sophia Chan, CDPE :: Pleasanton, Dublin, San Ramon, Fremont, Newark, Union City... (925) 719-7033 Sophia@RemaxAccord.com www.SophiaChan.net DRE # 01722769

Office: * 5870 Stoneridge Mall Rd. Pleasanton * 39644 Mission Blvd. Fremont

B4

/

!

2.6%

30 ($417,000 )

4.25% 15

3.75%

8000

30

4 . 2 5 %

1,475.82 5%

1,610.46 134.6430

4 9

3 5

5/1

3.25%30 1305.62

(prepayment penalty)

Escrow

(closing date) pro-rate

Title

Insurance

()

REMAX

Margaret Kelly

30

5%

4%

8 6 5

(

)

3

1 5

www.irs.gov

MIMI DU ()

FremontNewarkUnion CitySan JoseCupertinoSunnyvaleSanta ClaraMountain ViewPalo Alto

RE License #01304977

:408-307-4489 :408-661-6683mimidu8@yahoo.comRealty World SVI Group

830 Stewart Dr., #147, Sunnyvale, CA 94085

www.Fai thfulReal ty.US

Real Estate & Loan Broker, NotaryDRE# : 01777074 NMLS ID: 344764 DRE# : 01863645 NMLS ID: 344790

J o y c e K u o William Chen

408.218.1900 408.888.9722

Joyce Kuo & William Chen

Joyce KuoJoyce2507@yahoo.com

William ChenWLChen888@yahoo.com



Cell:650-483-8250 Tel: 650-652-9000

skwlee3388@msn.com

Simon Kim Lee


()

(SHORT SALE)




, !



B4

/

!

2.6%

30 ($417,000 )

4.25% 15

3.75%

8000

30

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1,475.82 5%

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Title

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()

REMAX

Margaret Kelly

30

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8 6 5

(

)

3

1 5

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(Cornell)(Toxic Mold)

,

(Disclosure)

,

?

(In-Law)

1

(

)

()

()

(

Mule Team Borax)

1

1 B4



Cell:650-483-8250 Tel: 650-652-9000

skwlee3388@msn.com

Simon Kim Lee


()

(SHORT SALE)




, !



B4

/

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30 ($417,000 )

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8000

30

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()

REMAX

Margaret Kelly

30

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8 6 5

(

)

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--

()()

(dual

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responsibility)

(

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offer

open house

.

1

1. 2. 3. 4. 5. 6.

7. 8. 9. 10. 11. 12. 13.

REALTOR1

200739.5%2007

$665,000

2009

$290,000

(high-end)

$500,00039.8%

$800,00018.0%

MDA DataQuick

$417,000

(purchase lending) 36%

17.1%

2007

Hillsborough

(homeflipping)

2.6%

1.7%

0.9%Napa County

4.3%

(Foreclosure

resales)

2009

52%

26.1%

8%1

2009

90

(1)(2) (3) 90

(Section 8)

legalstanding

www.

HelpWithMyBank.gov.1

Vivian Hung

Cell : (510)343-6882 Fax : (510)263-6535Address : 1417 Everett St, Alameda, CA 94501Email : Vivi4Chu@yahoo.com

DRE#01831151 Realtor

License #: 01822178

GRI, CDPE GRI - Graduate Realtor Institute CDPE -

Phone : (650) 922-8028 Eamil : suetien@gmail.com Website : www.shutien.com Office : 430 N. El Camino Real, San Mateo CA 94401

!

E Z L o a n R e a l t y

Cell : 510.408.8529Tel : 510.832.0952Fax : 866.929.6348Web : www.ezloanrealty.comEmail: stephenliao2020@qq.com

408 8th Street Suite #A, Oakland, CA 94607

Stephen Liu

Real Estate AgentInvestment Specialist

DRE# 01341014

(1:7-8)

Kenny Lee

Tim ZhouREALTOR ,DRE#01792597

: 408-421-9200

: BayWinWin.com

E-Mail: Tim@BayWinWin.com

51020

Tim0.5~1.0

--

14429 Catalina St., San Leandro, CA 94577

Francis HoBroker

Lic # R01242890

E-mail: fho@fasrealtyinc.com

Of ce: 510-748-9033

Mobile: 510-409-8486

Jimmy He

jimmyhomes@live.com

NMLS LIC # 336551DRE LIC # 01877145

,

CASH OUT303.5%APR, 153.00%APR (

Pleasanton, Dublin, San Ramon ,Castro Valley Alameda, Oakland, San Leandro, Hayward

Office: Bay Home Investments & Loans17331 Hesperian Blvd, San Lorenzo, Ca 94580

Loan Consultant, Realtor

510-962-2428

1 B5

Robert Chen B.S.(), MBA(Duke), Ph.D.(UGA)Real Estate Broker, Trusty Realty

DRE License # 01327720

: 408-835-2455 Email : cbw6@yahoo.com

Direct: (510) 814-4848 Mobile: (510) 913-1600Fax: (510) 523-5743Email: rliu@HBRinfo.comReal Estate License: 01106012 Ringo Liu

Alameda


Francis HoBroker

Lic #R01242890

www.fasrealtyinc.com

E-mail : fho@fasrealtyinc.comOffice : 510-748-9033Mobile : 510-409-8486

Ed Yum

Alamo, Danville, San Ramon, Dublin, Pleasanton, Milpitas, Fremont, Union City, Newark

: (510) 396-0534: edyum@yahoo.com

DRE Lic#: 01883686

,,

sight-reading2010 2011 2 4 music@cchcsf.org

XXXXXXXXXXX

Quantum Real Estate 840 Hinckley Road #215 Burlingame, CA 94010 510-797-9222 510-552-0938 650-652-9399 normantang4@gmail.com

#01313859

Norman Tang Christie Ng Senior Loan Officer, Broker Associate,

J C Real Estate Investment Group, INC.

Direct: (415) 756-5435 Fax: (415) 680-2311

E-mail: jcre168@gmail.com 225 Hanover Street, San Francisco, CA 94112

DRE#01331327

Real Estates and Loans

B5

Randy Lui Broker, GRI, CRS, SRES,

e-Pro, RE Masters

Tel: 415-310-9872 Fax: 888-234-5644

Email: Info@RealTownPost.com www.BuyNSellSF.com

(

)

()

CA-DRE# 01237355

(Fannie Mae)

(REO) HOMEPATH

(foreclose)

(offer)

:www.homepath.com

HOMEPATH

HOMEPATH

(Pre-approval Letter)

HOMEPATH

HOMEPATH FINANC-

ING

HOMEPATH

( 3%)(

)

(

)

HOMEPATH

1 B5

Robert Chen B.S.(), MBA(Duke), Ph.D.(UGA)Real Estate Broker, Trusty RealtyDRE License # 01327720






Alameda


Francis HoBroker

Lic #R01242890



Ed Yum


: (510) 396-0534: edyum@yahoo.com

DRE Lic#: 01883686

,,


XXXXXXXXXXX


#01313859



Direct: (415) 756-5435 Fax: (415) 680-2311


DRE#01331327


B5


e-Pro, RE Masters

Tel: 415-310-9872 Fax: 888-234-5644


(

)

()

CA-DRE# 01237355

(Fannie Mae)

(REO) HOMEPATH

(foreclose)

(offer)

:www.homepath.com

HOMEPATH

HOMEPATH


HOMEPATH

HOMEPATH FINANC-

ING

HOMEPATH

( 3%)(

)

(

)

HOMEPATH





Alameda


Francis HoBroker

Lic #R01242890



Ed Yum


: (510) 396-0534: edyum@yahoo.com

DRE Lic#: 01883686

,,


XXXXXXXXXXX


#01313859



Direct: (415) 756-5435 Fax: (415) 680-2311


DRE#01331327


B5


e-Pro, RE Masters

Tel: 415-310-9872 Fax: 888-234-5644


(

)

()

CA-DRE# 01237355

(Fannie Mae)

(REO) HOMEPATH

(foreclose)

(offer)

:www.homepath.com

HOMEPATH

HOMEPATH


HOMEPATH

HOMEPATH FINANC-

ING

HOMEPATH

( 3%)(

)

(

)

HOMEPATH


Alameda

Jimmy He

jimmyhomes@live.com

NMLS LIC # 336551DRE LIC # 01877145

, ,, , , ,

+ + + Office: Bay Home Investments & Loans17331 Hesperian Blvd, San Lorenzo, Ca 94580


510-962-2428

RANDY LUIBroker, RE Masters, GRI, CRS, SRES, e-Pro

Tel: 415.310.9872E-Mail: R@BuyNSellSF.comwww.BuyNSellSF.comDRE 01237355

Brokers Connection Inc. 315 Montgomery Street, 9th Floor, San Francisco, California 94104

, , ,. , .

San FranciscoSilvie ThangPhone: 415-563-5390silvie.s.thang@wellsfargo.com

East BayDenny StellaCell: 925-584-0976stella.k.denny@wellsfargo.com

PeninsulaJoanna Yu Phone: 650-559-2000joanna.yu@wellsfargo.com

South BayKevin TranPhone: 408-772-2921kevin.b.tran@wellsfargo.com

Information is accurate as of date of printing and subject to change without notice. Please note, all other communications, legal documents and disclosures will be provided to you in English. Werecommend that you obtain the services of an independent third party interpreter to assist you as needed. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. 2009 Wells Fargo Bank, N.A. All rightsreserved. #417881 9/10-12/10

2009520

90

SB 896

90

10

90

90

90

()

Section 8

Section 8

90 (

)/ (

)

Section 8 90

Section 8 (

) 1

1

Office : 415-504-8888Fax : 800-876-1090 Cell : 415-756-5435

E-mail : jcre168@gmail.com

1533 Taraval St, San Francosco, Ca 94116

1 B5

Robert Chen B.S.(), MBA(Duke), Ph.D.(UGA)Real Estate Broker, Trusty RealtyDRE License # 01327720






Alameda


Francis HoBroker

Lic #R01242890



Ed Yum


: (510) 396-0534: edyum@yahoo.com

DRE Lic#: 01883686

,,


XXXXXXXXXXX


#01313859



Direct: (415) 756-5435 Fax: (415) 680-2311


DRE#01331327


B5


e-Pro, RE Masters

Tel: 415-310-9872 Fax: 888-234-5644


(

)

()

CA-DRE# 01237355

(Fannie Mae)

(REO) HOMEPATH

(foreclose)

(offer)

:www.homepath.com

HOMEPATH

HOMEPATH


HOMEPATH

HOMEPATH FINANC-

ING

HOMEPATH

( 3%)(

)

(

)

HOMEPATH





Alameda


Francis HoBroker

Lic #R01242890



Ed Yum


: (510) 396-0534: edyum@yahoo.com

DRE Lic#: 01883686

,,


XXXXXXXXXXX


#01313859



Direct: (415) 756-5435 Fax: (415) 680-2311


DRE#01331327


B5


e-Pro, RE Masters

Tel: 415-310-9872 Fax: 888-234-5644


(

)

()

CA-DRE# 01237355

(Fannie Mae)

(REO) HOMEPATH

(foreclose)

(offer)

:www.homepath.com

HOMEPATH

HOMEPATH


HOMEPATH

HOMEPATH FINANC-

ING

HOMEPATH

( 3%)(

)

(

)

HOMEPATH


Alameda

Jimmy He

jimmyhomes@live.com

NMLS LIC # 336551DRE LIC # 01877145

, ,, , , ,

+ + + Office: Bay Home Investments & Loans17331 Hesperian Blvd, San Lorenzo, Ca 94580


510-962-2428




, , ,. , .

San FranciscoSilvie ThangPhone: 415-563-5390silvie.s.thang@wellsfargo.com

East BayDenny StellaCell: 925-584-0976stella.k.denny@wellsfargo.com

PeninsulaJoanna Yu Phone: 650-559-2000joanna.yu@wellsfargo.com

South BayKevin TranPhone: 408-772-2921kevin.b.tran@wellsfargo.com

Information is accurate as of date of printing and subject to change without notice. Please note, all other communications, legal documents and disclosures will be provided to you in English. Werecommend that you obtain the services of an independent third party interpreter to assist you as needed. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. 2009 Wells Fargo Bank, N.A. All rightsreserved. #417881 9/10-12/10

2009520

90

SB 896

90

10

90

90

90

()

Section 8

Section 8

90 (

)/ (

)

Section 8 90

Section 8 (

) 1

1




, , ,. , .

3155 Kearney St., #150Fremont, CA 94538Cell. 415.205.0857Bus. 510.623.8800Fax. 510.623.0588

Esther ManSenior Loan ConsultantDRE # 01177289NMLS # 244684

# 24 # 105 %# 0 POINT 0 FEE ()

415-205-0857 esthercalcity@gmail.com

Real Estate Home Loan

(Wells Fargo Home Mortgage)

! !

Derek KamPrivate Mortgage BankerPrivate Mortgage BankingNMLSR ID 633695

Wells Fargo Home Mortgage | 301 University Avenue | Palo Alto, CA 94301MAC A0476-011Tel (650) 867-8475 | Cell (510) 676-8883 | Fax (866) 966-2870Derek.Kam@wellsfargo.com www.wfhm.com/derek-kam

(over flow)

wall

heater

( permit )

(permit)

1

Agnes Chan Low

(short

sale)

(The Fed-

eral Housing Finance Agency , FHFA)

(Servicer)

2012111

50

(Pe r m a n e n t

Change of Station, PCS)

6000

FHFA6

30

30

60

821

822111 1

CRA#007780

415-608-9680 650-878-1947

WILLIE LEUNG APPRAISAL SERVICE

Simon Kim Lee

Tel : 650-483-8250

50

NMLS # 323481

!"#$%

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Founders Mortgage3000 Alemany Blvd., San Francisco, CA 94112 !"#$%&'(

Grace Law

號角月報美西北版 2012年十二月份

Documents

號角月報美西北版 2009年 12月號 A刊

號角月報美西北版 2011年五月份

號角月報美西北版 2011年六月份

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