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林修榮報稅需知 A7 展翅計劃特輯 A20版 淺談屋頂問題 B5 認識肝臟衰竭 B13版 內容豐富健康 與您息息相關 CA 941 PRESORTED STD 王祖藍不忘掉神 B16 時事 理財 信仰 健康 法律 教育 美食 地產 旅遊 真人真事 本月派發數量 100,000 農曆新年剛過去,相信大家都 收到許多的祝福語,當中一定 少不了的是「豐衣足食」、 「家肥屋潤」、「金銀滿屋」 、「多福多祿」等等。一般的 想法,「多」就是「好」;其 實,有時「多」未必是福,簡 單生活更教人活得輕鬆自在。 是被掉棄在垃圾堆中。 北美資源豐富,生活較為豐裕,對於物質,我們都採取 「寧濫莫缺」的原則。誰個家裡沒有幾部DVD機?有些人一家 兩口,卻擁有五部車子;一些人甚至有幾部電腦;像王小姐這 樣的人,其實大有人在! 現代社會和科技進步,我們的生活水準相對提高,物質越見 豐富。但享受豐盛的代價,卻是越來越少的時間、越來越多的 煩瑣事、與人的關係來越來複雜,甚至疏離、越來越大的精神 和肉體壓力等等。所以近年很多人都推崇「簡單生活」。但我 們的生活真的可以簡單嗎?要實踐「簡單生活」,又應如何起 步? 聽起來似乎容易,但要實踐簡單的生活,原來是一點也不簡 單的。有時我們希望有所成就,或者做一些有意義的事,但一 個似乎簡單的意念,實踐起來竟變得無比的複雜。所以在過程 中,我們要不斷檢視,然後重新把事情簡單化。不然的話,事 情只會更複雜,我們每天也只有變得混亂和沮喪。 何謂「簡單」? Jonathan Ive是蘋果電腦Apple設計部門的主管,他認為: 「清除雜物不是簡單生活的條件,而是它的結果。簡單生活 的精髓,而是在清理和整理的過程中,瞭解該物件存在(或不 需存在)的意義。」所以「簡單生活」是一種生命的意義和目 標。是視乎我們是否有智慧選擇生活或生命中重要和需要的 人、事和物。問題是,我們是否知道哪些人、事和物是重要的 呢?又是否清楚你的人生目標呢? 三大原則 根據專家的意見,要開展簡單的生活,必須先訂下幾個大原 則: (一)所謂「簡單生活」其實旨在認清生命中最為可貴的事 物,然後依據這目標,把微不足道的事剔除或減少。我們不必 過度要求自己的生活即時改變,因為「簡單生活」是一個旅 程,而不是終極。有時我們也要因應社會或時代的轉變而需作 出調整。 (二)我們不可能取悅每一個人。有些時候我們可能需要向 一些人說「NO」,你不可能解決所有人的的問題!要記得唯有 我們懂得說「NO」,我們才有能力對重要的人和事說「YES」! (三)滿足欲望並非快樂的唯一途徑。如果我們誠實的把我 們心裡的重要事物寫下清單,你會發現大部份都會是我們的主 觀願望。有時我們以為有了金錢,一切的困難都可以解決,而 我們都從此便會快快樂樂的活下去。列出你「想要」和「需 要」的東西,你會發現你真正需要的,是金錢根本買不起的。 例如家庭溫暖,是要付出時間、關懷和愛的,你是否願意為這 些而放下你的欲望? 2 王小姐每次約會朋友都遲到,朋友覺得火上心頭,但仍給王小姐一個解釋的機會。誰知王小姐的解釋卻讓他們啼笑皆非。「對不起,我向大家 陪不是吧!但我實在有困難,因為我擁有超過一百雙鞋子,每次出門,我單是選款色、襯顏色,不知不覺的已花上一個小時,所以才會遲到的! 」如果的王小姐只擁有兩雙鞋子,她可能不會成為住眾人眼中的「遲到大王」吧! 中國人有不少農曆新年的傳統習俗,喻意送舊迎新;例如年廿八,我們便會「洗邋遢」(大掃除),一家人努力清理家居。Helen說:「年廿 八大掃除時,我才驚覺家裡原來儲存了許多物品,很多是多年沒有用過的,有些根本是全新的,已忘記了它們的存在;甚至更有兩、三件同樣 的,想必是忘記之前已買了,後來再買一個同款式的。」 不知道是不是北美的房子太大,我們總覺得還有空間可以儲存雜物,一概有用無用、是新是舊,全部都留下來,這裡找個雜物架,那裡找個紙 箱,把它們「先放一邊」,但這些東西可能自此就不見天日,到了幾年後主人才把它們翻出來,卻因為款式已舊,或者放置太久已壞掉,最後還 實踐:衣食住行 家中的大小家務,總像做也做不完似的。所以有四 個字是要緊記的:Automate (自動化) 、Eliminate (減除) 、Delegate (分配/分工) 和Hire Help (聘請幫手) 。 對大部份女性而言,買衣服的欲望是無止境的。 所以有人說過:「女性的衣櫥裡,永遠都欠一件衣服!」 Agnes家境不俗,父母和丈夫也從來沒有阻止她買衣服。誰 知她不斷的買,但不久前買回來的衣服卻還在盒子和袋中 裡,就這樣堆呀堆的,家裡的盒盒袋袋已塞滿了客房,丈夫開始投訴,她便往娘家的客房 塞。後來她「洗心革面」,決心實行簡單化,所以她把衣櫥的衣物減至基本程度,而且以一 件換一件的原則購買衣服;也就是說,先丟掉舊的,才買一件代替。 中國人一直奉行「民以食為天」,為了吃一頓好的,我們會毋懼艱難、不怕路遠、 也不介意所要付出的精力和時間。我們不是要大家虐待你的肚腹,而是除非你的時間多得用 不完,否則我們不必要為每頓飯都大費周章。不妨多用一些簡易食譜和食材做飯,(例如雞 蛋) 既有益,又方便。 清除家中無用的物件。作家Elaine St. James為我們提供了一個好辦法。她提議我們 把一些未能決定是否丟掉的雜物放入紙箱中,然後把紙箱放到一角。二年以後,如果你從沒 需要把內裡的物件取出的話,那就直接把紙箱丟掉就可以了!另外把書桌整理整齊。能把桌 面的文件和雜物整理妥當,不但心境更舒暢,將來要找東西也就更方便快捷。 啟動迅速購物系統。很多時候我們到超市買東西,都會在店內行大運 (不斷打轉), 浪費很長的時間,結果還是漏買這個,多買那個的。聰明的做法,是選定一家購物的店鋪, 了解店中的擺設,然後每次購物前均把需要購買的物品分類,列入清單,那麼到了超市時, 只需走一大圈,便可購齊清單上的東西。專家分析,這種購物方式,都可省上一半的金錢和 時間。 終止訂閱雜誌和派報服務。其實以現今的科技,可以很方便的在網上閱讀報章和雜 誌,根本無須訂閱報刊。到頭來我們家中只會堆放一疊疊的舊報紙和雜誌,制造垃圾,徒佔 空間。 盡量把自己的裝扮簡單化。簡單不等同醜陋。例如你可以留直髮,既自然又容易打 理;避免多買潮流尖端的服飾,因為這些可能都只是短期流行,倒頭來浪費金錢;不要隨便 相信或貪便宜購買劣質的護膚品,很多時我們購買的都是一個不實際的希望。 穿過的衣物要立即掛回衣櫥,有時我們懶惰的把它堆放一旁,結果一堆再堆,到衣 服變成一座大山的時候,要下決心收拾就更難,要花的時間亦更多。同一道理,用完的物 品,個最好也即時放回原處。 2 Simple Life 實踐: 財務安排 聖經警告說﹕「貪財是萬惡之根」。簡單(與簡樸)的生活需要對金錢與財富有正 確的態度,對上帝賜予的有知足與感恩的心,「因為我們沒有帶甚麼到世上來,也不能帶 甚麼去,只要有衣有食、就當知足。」 家庭財務安排的第一步,是有一個合理和清楚的預算(Budget),然後每天將開支 記帳,並定時將開支與預算作比較。一個沒有做預算和記帳的家庭,大多沒有訂下財務目 標,用錢也是缺乏整體計劃,有時碰巧月終剩下一點錢,但更多時候可能入不敷出,而要 動用積蓄或利用信用卡借貸。一年下來才發覺家庭債務增加了,卻無法確定問題到底出在 那裏。這些家庭可能覺得需要增加收入來應付支出,其實問題往往不在於收入不夠,而在 缺乏理財計劃,家庭成員沒有同一財政目標,也分不出「需要」(Need)與「慾望」(De- sire)之間的區別,花起錢來多是「即興式」,既缺乏計劃,也沒有自制,更不要說有短 期和長期的財務目標了。 養成定期定額的儲蓄習慣,最好是在工資中扣起儲蓄,既可以得到稅務好處,又 可以利用「平均成本」(dollar cost averaging)方式逐步投資。由於401-K之類儲蓄計劃 又稅務好處,即使僱主不提供任何Matching金額,也應該盡量利用。除了存入的金額可以 在報稅時不當為收入之外,中等收入家庭還有可能取得「退休儲蓄抵稅額」。 按本身對風險承受的能力與意願,為儲蓄投資訂下適當的資金分配(asset allo- cation),然後不要時常去轉換投資項目,每年檢討一次。盡量不作短線買賣,平時不要 不斷查看投資成績,應該讓其逐步成長。投資股票應該多用共同基金或「交易所基金」 (ETF),以達省時與省費用的效果。 自己不想管理或不善管理投資者,應該聘用專業投資顧問代勞,起碼應該有專業 人士每年為投資作檢查。最好聘用「按時收費」(Fee Only)的顧問,以避免「利益衝突」。 充份運用保險去減低風險。購買充足的「定期壽險」去保障家人,確定汽車保險 有足夠的責任賠償金額,接近50歲的夫婦考慮購買「長期護理保險」。 擁有房地產的家庭,應該盡早訂立「生 前信托」,作好遺產規劃的安排。 將報稅需要的記錄從年初便妥善組織 好,到報稅時既輕鬆又不會漏報。 減少信用卡、退休儲蓄帳戶、銀行帳戶 等,多一個帳戶便多一些麻煩和風險。 2

號角月報 美西北版 2013年 三月份

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  • 1 A7

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  • 1 A8

    Grace Chinese Lutheran Church of South King County

    11()

    111700 Edmonds Ave NE, Renton, WA 98056

    4

    2415 S. 320th St. NE, Federal Way, WA 98003206-409-3389 425-985-8108

    [email protected] [email protected]

    () 100

    1:30-3:15

    ()

    4:306:15

    King667

    667 S King St, Seattle, WA

    98104

    206-

    624-0988

    Bethel Chinese Lutheran Church

    6553 40th Ave NE, Seattle, WA 98115 11 ()

    11 10

    7

    11--1 ()

    [email protected]

    (206) 524-7631 http://100.bclc-seattle.org

    6571

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    $50,000

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    :-611 S Lane St Seattle

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    A S I A N B O O K O N E

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    3/9 (Sat) 7:00 PM, Westminster Chapel () 13646 NE 24th Street, Bellevue, WA 98005

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    Both nights: Bilingual; Free Parking; Child care provided for 3-5 year-old; 5 and older are welcome to the program.

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  • 1 A9 A9

    *

    MONARCH TRADING CORPORATION

    Kitchen Equipment for Restaurants and Churches Sales/Design/Installation/Build/Consulting

    Licensed, Insured, Bonded Contractor

    Tel(206) 763-6161 Fax: (206) 763-6168

    Out of State toll free: 1-866-823-4638 E-Mail: [email protected]

    Open: M-F 9am to 6pm, Sat 11am-4pm

    948 South Doris Street, In Georgetown by Boeing Off 5900 Airport Way South, Seattle, WA 98108

    E-Mail: [email protected] www.SkylineProperties.com

    606 120th Ave., NE, D-204, Bellevue, WA 98005

    (206)200-5087 (206)789-6688

    Michael Oh

    SKYLINE PROPERTIES, INC.

    CHINESE EGG NOODLES & FORTUNE COOKIES

    TSUE CHONG COMPANY, INC. 800 SOUTH WELLER ST., SEATTLE, WA 98104

    TEL:(206)623-0801 FAX:(206)382-2688 E-Mail: [email protected]

    Chinese Noodles.

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    , O'Asian Kent Eva Li Tasha Bistro Cafe Tasha Sawabini

    ( P h i l Smart,Sr.)

    (General Patton)

    1989 (Rotary Club)

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    7

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    (Hurt)(Hunger)(Homeless)(Unemployed)(Youth)(Old)(Illiterate) (Drugged)

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    70

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    1989

    65

    25

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    GlaxoSmithKline SHARE

    2008

    25

    2010 9 25

    ()

    (Hyatt Regency Bellevue)

    206.721.3630 [email protected]

    www.kinon.org

    4416 S Brandon St.,

    Seattle WA 98118

    815 S Weller St, Suite 212 Seattle, WA 98104

    Chef Tony Wu of OAsian

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    show

    1

    A9

    *

    MONARCH TRADING CORPORATION

    Kitchen Equipment for Restaurants and Churches Sales/Design/Installation/Build/Consulting

    Licensed, Insured, Bonded Contractor

    Tel(206) 763-6161 Fax: (206) 763-6168

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    Open: M-F 9am to 6pm, Sat 11am-4pm

    948 South Doris Street, In Georgetown by Boeing Off 5900 Airport Way South, Seattle, WA 98108

    E-Mail: [email protected] www.SkylineProperties.com

    606 120th Ave., NE, D-204, Bellevue, WA 98005

    (206)200-5087 (206)789-6688

    Michael Oh

    SKYLINE PROPERTIES, INC.

    CHINESE EGG NOODLES & FORTUNE COOKIES

    TSUE CHONG COMPANY, INC. 800 SOUTH WELLER ST., SEATTLE, WA 98104

    TEL:(206)623-0801 FAX:(206)382-2688 E-Mail: [email protected]

    Chinese Noodles.

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    Wonton Wrappers

    Egg Roll Wrappers..

    , O'Asian Kent Eva Li Tasha Bistro Cafe Tasha Sawabini

    ( P h i l Smart,Sr.)

    (General Patton)

    1989 (Rotary Club)

    (Bill Gate,Sr.)

    7

    888HHHUYOID121 24 8 8 8

    (Hurt)(Hunger)(Homeless)(Unemployed)(Youth)(Old)(Illiterate) (Drugged)

    (Bruce Lar-son) (Find the way to give yourself away)

    70

    25

    1989

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    GlaxoSmithKline SHARE

    2008

    25

    2010 9 25

    ()

    (Hyatt Regency Bellevue)

    206.721.3630 [email protected]

    www.kinon.org

    4416 S Brandon St.,

    Seattle WA 98118

    815 S Weller St, Suite 212 Seattle, WA 98104

    Chef Tony Wu of OAsian

    Chef Tasha of Tasha Bistro Cafe

    Chef King Wai of House of Hong and Kent Li of Red Lan-tern

    Chef Cai Yong of Dim Sum King

    show

    A9

    *

    MONARCH TRADING CORPORATION

    Kitchen Equipment for Restaurants and Churches Sales/Design/Installation/Build/Consulting

    Licensed, Insured, Bonded Contractor

    Tel(206) 763-6161 Fax: (206) 763-6168

    Out of State toll free: 1-866-823-4638 E-Mail: [email protected]

    Open: M-F 9am to 6pm, Sat 11am-4pm

    948 South Doris Street, In Georgetown by Boeing Off 5900 Airport Way South, Seattle, WA 98108

    E-Mail: [email protected] www.SkylineProperties.com

    606 120th Ave., NE, D-204, Bellevue, WA 98005

    (206)200-5087 (206)789-6688

    Michael Oh

    SKYLINE PROPERTIES, INC.

    CHINESE EGG NOODLES & FORTUNE COOKIES

    TSUE CHONG COMPANY, INC. 800 SOUTH WELLER ST., SEATTLE, WA 98104

    TEL:(206)623-0801 FAX:(206)382-2688 E-Mail: [email protected]

    Chinese Noodles.

    Fortune Cookies..

    Wonton Mein

    Wonton Wrappers

    Egg Roll Wrappers..

    , O'Asian Kent Eva Li Tasha Bistro Cafe Tasha Sawabini

    ( P h i l Smart,Sr.)

    (General Patton)

    1989 (Rotary Club)

    (Bill Gate,Sr.)

    7

    888HHHUYOID121 24 8 8 8

    (Hurt)(Hunger)(Homeless)(Unemployed)(Youth)(Old)(Illiterate) (Drugged)

    (Bruce Lar-son) (Find the way to give yourself away)

    70

    25

    1989

    65

    25

    24

    2 0 0 0

    GlaxoSmithKline SHARE

    2008

    25

    2010 9 25

    ()

    (Hyatt Regency Bellevue)

    206.721.3630 [email protected]

    www.kinon.org

    4416 S Brandon St.,

    Seattle WA 98118

    815 S Weller St, Suite 212 Seattle, WA 98104

    Chef Tony Wu of OAsian

    Chef Tasha of Tasha Bistro Cafe

    Chef King Wai of House of Hong and Kent Li of Red Lan-tern

    Chef Cai Yong of Dim Sum King

    show

    A9

    *

    MONARCH TRADING CORPORATION

    Kitchen Equipment for Restaurants and Churches Sales/Design/Installation/Build/Consulting

    Licensed, Insured, Bonded Contractor

    Tel(206) 763-6161 Fax: (206) 763-6168

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    Open: M-F 9am to 6pm, Sat 11am-4pm

    948 South Doris Street, In Georgetown by Boeing Off 5900 Airport Way South, Seattle, WA 98108

    E-Mail: [email protected] www.SkylineProperties.com

    606 120th Ave., NE, D-204, Bellevue, WA 98005

    (206)200-5087 (206)789-6688

    Michael Oh

    SKYLINE PROPERTIES, INC.

    CHINESE EGG NOODLES & FORTUNE COOKIES

    TSUE CHONG COMPANY, INC. 800 SOUTH WELLER ST., SEATTLE, WA 98104

    TEL:(206)623-0801 FAX:(206)382-2688 E-Mail: [email protected]

    Chinese Noodles.

    Fortune Cookies..

    Wonton Mein

    Wonton Wrappers

    Egg Roll Wrappers..

    , O'Asian Kent Eva Li Tasha Bistro Cafe Tasha Sawabini

    ( P h i l Smart,Sr.)

    (General Patton)

    1989 (Rotary Club)

    (Bill Gate,Sr.)

    7

    888HHHUYOID121 24 8 8 8

    (Hurt)(Hunger)(Homeless)(Unemployed)(Youth)(Old)(Illiterate) (Drugged)

    (Bruce Lar-son) (Find the way to give yourself away)

    70

    25

    1989

    65

    25

    24

    2 0 0 0

    GlaxoSmithKline SHARE

    2008

    25

    2010 9 25

    ()

    (Hyatt Regency Bellevue)

    206.721.3630 [email protected]

    www.kinon.org

    4416 S Brandon St.,

    Seattle WA 98118

    815 S Weller St, Suite 212 Seattle, WA 98104

    Chef Tony Wu of OAsian

    Chef Tasha of Tasha Bistro Cafe

    Chef King Wai of House of Hong and Kent Li of Red Lan-tern

    Chef Cai Yong of Dim Sum King

    show

    206-396-3173 [email protected]

    A9

    *

    MONARCH TRADING CORPORATION

    Kitchen Equipment for Restaurants and Churches Sales/Design/Installation/Build/Consulting

    Licensed, Insured, Bonded Contractor

    Tel(206) 763-6161 Fax: (206) 763-6168

    Out of State toll free: 1-866-823-4638 E-Mail: [email protected]

    Open: M-F 9am to 6pm, Sat 11am-4pm

    948 South Doris Street, In Georgetown by Boeing Off 5900 Airport Way South, Seattle, WA 98108

    E-Mail: [email protected] www.SkylineProperties.com

    606 120th Ave., NE, D-204, Bellevue, WA 98005

    (206)200-5087 (206)789-6688

    Michael Oh

    SKYLINE PROPERTIES, INC.

    CHINESE EGG NOODLES & FORTUNE COOKIES

    TSUE CHONG COMPANY, INC. 800 SOUTH WELLER ST., SEATTLE, WA 98104

    TEL:(206)623-0801 FAX:(206)382-2688 E-Mail: [email protected]

    Chinese Noodles.

    Fortune Cookies..

    Wonton Mein

    Wonton Wrappers

    Egg Roll Wrappers..

    , O'Asian Kent Eva Li Tasha Bistro Cafe Tasha Sawabini

    ( P h i l Smart,Sr.)

    (General Patton)

    1989 (Rotary Club)

    (Bill Gate,Sr.)

    7

    888HHHUYOID121 24 8 8 8

    (Hurt)(Hunger)(Homeless)(Unemployed)(Youth)(Old)(Illiterate) (Drugged)

    (Bruce Lar-son) (Find the way to give yourself away)

    70

    25

    1989

    65

    25

    24

    2 0 0 0

    GlaxoSmithKline SHARE

    2008

    25

    2010 9 25

    ()

    (Hyatt Regency Bellevue)

    206.721.3630 [email protected]

    www.kinon.org

    4416 S Brandon St.,

    Seattle WA 98118

    815 S Weller St, Suite 212 Seattle, WA 98104

    Chef Tony Wu of OAsian

    Chef Tasha of Tasha Bistro Cafe

    Chef King Wai of House of Hong and Kent Li of Red Lan-tern

    Chef Cai Yong of Dim Sum King

    show

    2012

    67

    rainbows@

    therainbows.org 206-734-

    7000

    www.therainbows.org 1

    (Fair Housing)

    (Section

    8 voucher)?

    ( )

    -

    (1)

    /(Section 8

    voucher)

    (2)

    Seattle Office for Civil Rights

    810 Third Avenue, Suite 750

    Seattle, Washington 98104

    A9

    *

    MONARCH TRADING CORPORATION

    Kitchen Equipment for Restaurants and Churches Sales/Design/Installation/Build/Consulting

    Licensed, Insured, Bonded Contractor

    Tel(206) 763-6161 Fax: (206) 763-6168

    Out of State toll free: 1-866-823-4638 E-Mail: [email protected]

    Open: M-F 9am to 6pm, Sat 11am-4pm

    948 South Doris Street, In Georgetown by Boeing Off 5900 Airport Way South, Seattle, WA 98108

    E-Mail: [email protected] www.SkylineProperties.com

    606 120th Ave., NE, D-204, Bellevue, WA 98005

    (206)200-5087 (206)789-6688

    Michael Oh

    SKYLINE PROPERTIES, INC.

    CHINESE EGG NOODLES & FORTUNE COOKIES

    TSUE CHONG COMPANY, INC. 800 SOUTH WELLER ST., SEATTLE, WA 98104

    TEL:(206)623-0801 FAX:(206)382-2688 E-Mail: [email protected]

    Chinese Noodles.

    Fortune Cookies..

    Wonton Mein

    Wonton Wrappers

    Egg Roll Wrappers..

    , O'Asian Kent Eva Li Tasha Bistro Cafe Tasha Sawabini

    ( P h i l Smart,Sr.)

    (General Patton)

    1989 (Rotary Club)

    (Bill Gate,Sr.)

    7

    888HHHUYOID121 24 8 8 8

    (Hurt)(Hunger)(Homeless)(Unemployed)(Youth)(Old)(Illiterate) (Drugged)

    (Bruce Lar-son) (Find the way to give yourself away)

    70

    25

    1989

    65

    25

    24

    2 0 0 0

    GlaxoSmithKline SHARE

    2008

    25

    2010 9 25

    ()

    (Hyatt Regency Bellevue)

    206.721.3630 [email protected]

    www.kinon.org

    4416 S Brandon St.,

    Seattle WA 98118

    815 S Weller St, Suite 212 Seattle, WA 98104

    Chef Tony Wu of OAsian

    Chef Tasha of Tasha Bistro Cafe

    Chef King Wai of House of Hong and Kent Li of Red Lan-tern

    Chef Cai Yong of Dim Sum King

    show

    419-21

    ChineseBaptistChurch April19(Friday),7:30p.m.()

    KirklandChineseChurchofNazarene April20(Saturday),7:30p.m.()

    KentChineseAllianceChurch April21(Sunday),11:00a.m.()

    206-684-4500

    [email protected]

    www.seattle.gov\civilrights\ 1

  • 1 A10

    Grace of God Alliance Church

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    Grace of God Alliance Church

    10:15am 9:00am 38325 Cedar Blvd., Newark, CA 94560 (510)668-1989 [email protected] : www.ggac-cma.org

    Grace of God Alliance Church

    10:15am 9:00am 38325 Cedar Blvd., Newark, CA 94560 (510)668-1989 [email protected] : www.ggac-cma.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

    Forerunner Christian Church

    39620 Sundale Drive, Fremont, CA 94538Tel 510-656-8900 Fax 510-656-8989

    (Stevenson Blvd. Sundale Drive )

    9:30am 10:00am (//)7:30pm

    ()www.forerunner.cc 510-657-3800 510-657-3816()

    7485 Village Parkway, Dublin, CA 94568 () 925-479-0189

    Parkway Chinese Baptist Church

    :::

    ::

    9:30 9:3011:00()7:00-8:30()

    2715 Prince St., Berkeley, CA 94705 510-654-8137 510-658-6135

    Chinese For Christ Berkeley

    : : : : 9:40am11:00am :

    Berkeley Chinese Baptist Church: :

    :

    : 1951 Sacramento Street, Berkeley, CA 94702: 510-848-8722

    : http://www.bcbc-berkeley.org/chinese/

    Prince of Peace Church and School 900 / 1030 1030 1030

    38451 Fremont Blvd, Fremont CA 94536

    :510-793-3366x263 E-mail:[email protected] www.popfremont.org

    E a s t B a y A l l i a n c e C h u r c h

    :

    9:30 () 11:00 (/)

    3755 13 Ave.

    Oakland, CA 94610

    510-336-1908

    www.EastBayAlliance.org

    201157

    .

    ..

    : ****

    : 10:30 : 9:30: 6678 Owens Drive, Suite 102 Pleasanton, CA 94588: (925) 463-0306: www.TVBOLCC.net

    :

    ****: 10:30: 9:30: 6678 Owens Drive, Suite 102 Pleasanton, CA 94588: (925) 463-0306: www.TVBOLCC.net

    Christ Community Chinese Alliance Church

    19741 Hathaway Ave,Hayward, CA 94541

    : : : : : :

    9:30am11:00 am 9:[email protected]

    Fremont Chinese EFC

    505 Driscoll Road, Fremont CA 94539

    9 10 45

    www.fcefc.us Tel: 510-668-0929

    10:00AM 10:00AM /

    10:00AM 7:00PM 7:00PM ------------------------------------------------------------------------------------------------------------

    1615 Carlson Blvd., Richmond, CA 94804 /510-524-9610 www.gccubed.org

    10:00AM 10:00AM /

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    1615 Carlson Blvd., Richmond, CA 94804 /510-524-9610 www.gccubed.org

    10:00AM 10:00AM /

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    1615 Carlson Blvd., Richmond, CA 94804 /510-524-9610 www.gccubed.org

    10:00AM 10:00AM /

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    1615 Carlson Blvd., Richmond, CA 94804 /510-524-9610 www.gccubed.org

    10:00AM 10:00AM /

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    ( Trinity Evangelical Free Church )7200 Schmidt Ln, El Cerrito, CA 945305 5 7

    ()9

    (Trinity Evangelical Free Church ) 1030 () 1030 ()

    www.lifelutheranchurch.org [email protected]

    7200 Schmidt Ln., El Cerrito, CA 94530 510-381-2255

    5Trinity Evangelical Free Church

    (7200 Schmidt Ln, El Cerrito, CA 94530)9

    (523 8th St, Oakland, CA 94607)

    1. (9/15/201212/15/20123 430) () Trinity Evangelical Free Church2. III (9/17/201212/17/2012; 730930) 3. I (9/15/201211/17/2012; 91130) Trinity Evangelical Free Church

    ()Saturday 5:30 AM Junior High & High School Group Fun-static Explorers for Kids (Age: 3-12) 7:30 PM SEED Group (Age: 18-25): Worship & Bible study

    510-221-4182

    ( Trinity Evangelical Free Church )7200 Schmidt Ln, El Cerrito, CA 945305 5 7

    ()9

    (Trinity Evangelical Free Church ) 1030 () 1030 ()

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    7200 Schmidt Ln., El Cerrito, CA 94530 510-381-2255

    5Trinity Evangelical Free Church

    (7200 Schmidt Ln, El Cerrito, CA 94530)9

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    1. (9/15/201212/15/20123 430) () Trinity Evangelical Free Church2. III (9/17/201212/17/2012; 730930) 3. I (9/15/201211/17/2012; 91130) Trinity Evangelical Free Church

    ()Saturday 5:30 AM Junior High & High School Group Fun-static Explorers for Kids (Age: 3-12) 7:30 PM SEED Group (Age: 18-25): Worship & Bible study

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    ( Trinity Evangelical Free Church )7200 Schmidt Ln, El Cerrito, CA 945305 5 7

    ()9

    (Trinity Evangelical Free Church ) 1030 () 1030 ()

    www.lifelutheranchurch.org [email protected]

    7200 Schmidt Ln., El Cerrito, CA 94530 510-381-2255

    5Trinity Evangelical Free Church

    (7200 Schmidt Ln, El Cerrito, CA 94530)9

    (523 8th St, Oakland, CA 94607)

    1. (9/15/201212/15/20123 430) () Trinity Evangelical Free Church2. III (9/17/201212/17/2012; 730930) 3. I (9/15/201211/17/2012; 91130) Trinity Evangelical Free Church

    ()Saturday 5:30 AM Junior High & High School Group Fun-static Explorers for Kids (Age: 3-12) 7:30 PM SEED Group (Age: 18-25): Worship & Bible study

    510-221-4182

    ( Trinity Evangelical Free Church )7200 Schmidt Ln, El Cerrito, CA 945305 5 7

    ()9

    (Trinity Evangelical Free Church ) 1030 () 1030 ()

    www.lifelutheranchurch.org [email protected]

    7200 Schmidt Ln., El Cerrito, CA 94530 510-381-2255

    5Trinity Evangelical Free Church

    (7200 Schmidt Ln, El Cerrito, CA 94530)9

    (523 8th St, Oakland, CA 94607)

    1. (9/15/201212/15/20123 430) () Trinity Evangelical Free Church2. III (9/17/201212/17/2012; 730930) 3. I (9/15/201211/17/2012; 91130) Trinity Evangelical Free Church

    ()Saturday 5:30 AM Junior High & High School Group Fun-static Explorers for Kids (Age: 3-12) 7:30 PM SEED Group (Age: 18-25): Worship & Bible study

    510-221-4182

    Saturday 5:00 PM Worship & Bible Study for - Fun-static Explorers for Kids (Age: 3-12) - Junior High & High School Group (Age: 13-17) - SEED Group (Age: 18-25)

    ()1030 () 1030 ()

    1. (1/12/2013230 4) () Trinity Evangelical Free Church2. V (1/14/2013730 930) 3. II (1/19/20134/27/2013; 730845) Trinity Evangelical Free Church

    ( Trinity Evangelical Free Church )7200 Schmidt Ln, El Cerrito, CA 945305 5 7

    ()9

    (Trinity Evangelical Free Church ) 1030 () 1030 ()

    www.lifelutheranchurch.org [email protected]

    7200 Schmidt Ln., El Cerrito, CA 94530 510-381-2255

    5Trinity Evangelical Free Church

    (7200 Schmidt Ln, El Cerrito, CA 94530)9

    (523 8th St, Oakland, CA 94607)

    1. (9/15/201212/15/20123 430) () Trinity Evangelical Free Church2. III (9/17/201212/17/2012; 730930) 3. I (9/15/201211/17/2012; 91130) Trinity Evangelical Free Church

    ()Saturday 5:30 AM Junior High & High School Group Fun-static Explorers for Kids (Age: 3-12) 7:30 PM SEED Group (Age: 18-25): Worship & Bible study

    510-221-4182

    ( Trinity Evangelical Free Church )7200 Schmidt Ln, El Cerrito, CA 945305 5 7

    ()9

    (Trinity Evangelical Free Church ) 1030 () 1030 ()

    www.lifelutheranchurch.org [email protected]

    7200 Schmidt Ln., El Cerrito, CA 94530 510-381-2255

    5Trinity Evangelical Free Church

    (7200 Schmidt Ln, El Cerrito, CA 94530)9

    (523 8th St, Oakland, CA 94607)

    1. (9/15/201212/15/20123 430) () Trinity Evangelical Free Church2. III (9/17/201212/17/2012; 730930) 3. I (9/15/201211/17/2012; 91130) Trinity Evangelical Free Church

    ()Saturday 5:30 AM Junior High & High School Group Fun-static Explorers for Kids (Age: 3-12) 7:30 PM SEED Group (Age: 18-25): Worship & Bible study

    510-221-4182

    ( Trinity Evangelical Free Church )7200 Schmidt Ln, El Cerrito, CA 945305 5 7

    ()9

    (Trinity Evangelical Free Church ) 1030 () 1030 ()

    www.lifelutheranchurch.org [email protected]

    7200 Schmidt Ln., El Cerrito, CA 94530 510-381-2255

    5Trinity Evangelical Free Church

    (7200 Schmidt Ln, El Cerrito, CA 94530)9

    (523 8th St, Oakland, CA 94607)

    1. (9/15/201212/15/20123 430) () Trinity Evangelical Free Church2. III (9/17/201212/17/2012; 730930) 3. I (9/15/201211/17/2012; 91130) Trinity Evangelical Free Church

    ()Saturday 5:30 AM Junior High & High School Group Fun-static Explorers for Kids (Age: 3-12) 7:30 PM SEED Group (Age: 18-25): Worship & Bible study

    510-221-4182

    : 38075 Mission Boulevard, Fremont, CA 94536 Tel: 510 792-2782 Website: www.tccbc.org

    10:00a.m. 10:00a.m.11:30a.m. 10:00a.m.:8:00p.m.AWANA7:25p.m.()

    Tri-City Chinese Baptist Church

    ::

    Willow Glen

    Santana Row

    Valley Fair Shopping Center

    Townsend

    /

    1

    9:30am - 10:45am

    11:00am - 12:15pm

    9:30am - 10:30am

    9:30am - 10:30am

    11:00am - 12:00pm

    Church information:West Valley Christian Alliance Church3003 Moorpark Avenue, San Jose, CA [email protected]

    West Valley Christian Alliance Church 3003 Moorpark Ave,San Jose,CA

    New Life Christian Church 10 :45 a.m. (12:20p.m. ) : 9 :30 a.m. : 7:30 p.m (

    43216 Christy Street, Fremont, CA. 94538 (Freeway 880 Auto Mall Pkwy. Christy)

    408-318-8764 510-378-6627

  • 45

    Cumberland Presbyterian Chinese Church

    865 Jackson Street, San Francisco, CA94133Tel 415-421-1624 Fax 415-421-1874

    Website www.cumberlandsf.orgEmail [email protected]

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

    10:00am () 8:40am 11:30am

    9:30am 11:15am

    San Francisco

    1150 Vicente Street, (at 23rd Ave.), San Francisco, CA 94116 Tel:(415)564-3301 Fax:(415)564-3627 www.sfcac.org

    San Francisco Chinese Alliance Church

    ::

    9:15am

    11:00am

    9:15am / 11:00am

    9:15am

    8:00pm

    :

    11:00am

    9:15am

    9:15am / 11:00am

    11:00am

    :

    :Time: Sunday 4:00 P.M.

    1474 Southgate Avenue, Daly City, CA 94015 With Large Parking Lot)

    : 415-963-1444 : 415-806-8957

    Cornerstone Grace Evangelical Baptist Church

    San Francisco Evangelical Free Church

    756 Union St., (Powell & Mason), S.F., CA 94133 (415)391-0699 8:45am 10:00am 11:30am 9:00am 12:15pm 3:00pm 6:00pm http://www.sfefc.org

    -

    : 10:00 11:30 : 8:30 11:30(): 11:30 : 8:30 -12:45

    //

    3638 Lawton St., San Francisco, CA 94122 :415-665-5550 :415-665-4575: [email protected] : www.sunsetchurchsf.org/Chinese

    Sunset Church

    ()

    Website: www.fupcsf.org Email: [email protected]

    BURLINGAME

    1740 Sloat Blvd., (at 35th Ave) S.F.()10:45

    1500 Easton Dr., (at El Camino Real) ()11:15

    : 415-759-3700 415-731-0377()

    :

    1978

    Home of Christ Church

    465 West Portal AveSan Francisco, CA 94127 (415) 564-2099

    San Francisco

    71 Bay Road Menlo Park, CA 94025 (650) 323-5550

    Menlo Park

    10340 Bubb Road,Cupertino, CA 95014 (408) 996-8208

    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

    19th Ave. Chinese Baptist Church

    1398 19th AvenueSan Francisco, CA 94122

    9 AM 11 AM (415) 566-1232

    1 A11

    2013

    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

    ? !

    24

    /

    03/02/13 :,,

    03/16/13

    04/06/13 ,?

    04/20/13

    1811 34th Ave(Noriega)

    SF(downtown#71)

    (415)831-2313

    , 465 West Portal Avenue, San Francisco, CA94127 (415)5642099, www.hocsf. Org

    3169am4:30pm ,,,,, (38075 Mission Boulevard, Fremont, CA 94536)/:4157177522, [email protected]/Fremont5107923457 [email protected]/San Jose 4086790956 [email protected]/6262412916 [email protected]: 21($200)NCCBA, 110 Juan Bautista Circle, San Francisco CA 94132

    3635 LAWTON( )42nd4156653332

    3638 LAWTON()42nd

    420()7:30pm (2006)02215 Curtner Ave,Campbell,CA 950084083716200

    1100 1115 1000 1000

    1811 34th Ave, SF CA 94122(Noriega )( downtown #71 )415-831-2313:

    San Francisco Chinese Baptist Church

    7 8()10713()10US$500():(Being)(Knowing)(Doing)[email protected]

    9:30-10:4533527 Western Ave., Union City, CA 94587:(925)[email protected].

    (Community Baptist Church of San Mateo) 10:30 11:00 26 KTSF 15 So. Humboldt Street, San Mateo, CA 94401(650) 342-0959www.cbcsm.org

    (Rev. Patrick Tang)201331623()9:00am4:00pm (2)(Southbay Chinese Baptist Church) 448 Francis Dr., San Jose, CA 95133$100$80(3/9)$6/4082658092(Pinnie) Email:[email protected]

    33527 Western Ave., Union City, CA 94587510 509719510:0011:15 11:3012:30 (510)5097195(925)[email protected]

    .

    380 21st Avenue, SF, CA 94121(415)6653479: tonyfang@att. net,www.fccsf.wordpress.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) 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 [email protected]

    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 :[email protected]

    : 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 (), ,

    : : , :

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

    West Valley Christian Alliance Church

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

    : : , :

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

    West Valley Christian Alliance Church

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

    : : , :

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

    West Valley Christian Alliance Church

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

    : : , :

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

    West Valley Christian Alliance Church

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

    : : , :

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

    West Valley Christian Alliance Church

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

    : : , :

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

    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: [email protected]

    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

    [email protected]

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

    (/ )

    Vallejo Chinese Christian Church

    2025 Sonoma Blvd., Vallejo, CA 94590

    Raymond Shih Lead Pastor

    (707) 654-6253 [email protected]

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

    10:00 ( $20.00) Carlina Lee

    Principal(510)-409-6818 [email protected]

    Other Areas

    Hiring

    Edward Kiang ( )Email: [email protected]

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

    Valley Chinese Baptist Church

    !

    !Silicon Valley Alliance Church (Milpitas, California) www.svac-cma.org

    ; ;;

    ..

    Contact:PastoralSearchCommittee

    E-Mail: [email protected]

    510-893-3210:[email protected]

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

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

    () 9:00-11:15

    !

    : : Samson Ou : Joey Wang Ken Chan

    -(:Sunnyvale, CA) () ()

    [email protected] (408)732-7810 Pastor Long Chiang

  • www.chinesegracebiblechurch.org

    Fellowship Pastor Search CommitteeChinese Grace Bible Church6656 Park Riviera Way, Sacramento, CA 95831 email: [email protected]

    (http://www.gefcsf.org)

    - -(M.Div) - - - - [email protected]

    1 A13

    510-893-3210

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

    4:00 - 5:15 3:30 - 5:3037365 Centralmont Place,Fremont, CA 94536

    4/3/2013 - 6/26/2013 10:00 - 12:00 $5.00

    ????,,!: (, , ), , , : Jackie Koo:4/09/2013 - 5/21/201313 12:00 - 1:30$78.00:3/26/2013 - 5/17/201313 10:00 - 11:30$78.00:

    2/6/2013 - 4/10/201310 2:00 - 4:00$10.00

    LINE DANCE

    3/20/2013 - 4/5/2013 (6) 10:0011:00 11:1512:15 $30(6)

    1:30 - 3:30

    () 1.,2.,, Music Sprout Piano Studio / Musikgarten3()3/16 6/22 (;5/25)10:0010:35()$128(,$69)()$35(,CD, )12()

    ()1.2.,,,:34;( )3/16 6/22(;5/25)10:4511:30()$156(,$89)()$44(,CD,12,)12 ()

    () 1.,,2., 612 ; 3/16 6/22 (; 5/25 )()(68)11:45-1,75(911)1:30-2:45,75 8, $88.88()():$58(,CD,8)

    Fred Man(316330-430581545

    3/84/26/2013(3/29,7)10:00 12:00$70.00

    4/3/2013 - 6/12/2013 6 3:00 - 4:30$30.00

    4/10/2013 - 6/19/20136 3:00 - 4:30$30.00

    - 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 4/08/2013 6/24/2013, 10:00-12:00:(Nellie) 510-282-7669,US$10US$10()

    510-893-3210

    1:30 - 4:00

    10:00 - 4:00

    , 10:00 - 4:00

    ,

    2013 2/9/2013 4/13/2013 1: 523 8th St, Oakland, CA 94607: , 10:00 3:00 , 10:00 4:00 2: 8-14 Ross Alley, SF, CA 94108: , 10:00 4:00 3: 1811 34th Ave, SF, CA 94122: , 10:00 2:00

    510-893-3210

    ! 10:30 - 12:00

    I3/23/2013 10:00 12:00* (510) 893-6495 () (510) 489-3460 ()

    : - (Univeristy of California, Berkeley )[****]Miss Geralyn Concepcion Yparragu-irre (- ):(,,)(,,,)3/2/2013 ()12:00 - 2:00

    : Community CollegeMs. Quinci Lee (,City College of San Francisco)11124/13/2013 ()10:00 - 12:00

    : : : 3/21/2013 (): 2:30 3:30

    Chinese Independent Baptist Church280 Eighth Street, Oakland, CA 94607

    . . .

    [email protected] & [email protected]

    The Point

    ATSM.Div. M.A. in Counseling M.A. in Marital and Family Therapy

    Bob Lam (650-776-5414)[email protected]

    510-893-3210:[email protected]

    [email protected]

    :,,.,,. 909-489-4217 [email protected]

    12405 SW Butner Rd Beaverton, OR 97005

    : [email protected]

  • 1 A14

    Rockport

    Rockport

    RockportRockport(Main Street)

    Rockport (Frozen Mocha)

    Halibut Point State Park (Gott Avenue, Rockport, MA 01966)

    Rockport 501

    2

    20139301011

    510-893-3210

    : $3,400

    ($700)

    () $2,100

    ($10)(520)15

    $40041() HEI

    41.41

    ()

    2013 3 23 () 8:45 - 4:30pm 523-8th Street, Oakland (3)

    2013 3 19

    2013 4 6 () 8:45 - 4:30pm 101 Vista Grande Ave., Daly City, CA, 94016 (Daly City BART)

    2013 4 2

    $10 () CCHC CCHC Caner Care Training, 536 8th Street Oakland CA 94607

    www.heraldcancercare.org/contact-us

    510-893-3210 www.heraldcancercare.org/contact-us

  • 1 A15

    1

    5201150--2500019501,8004,0003,300199753

    801.36%

    16

    33.51

    1

    34

    1

    330

    ()

    Jelly Belly

    Vacaville

    $49 17$40

    510-893-3210

  • 1 A16

    The underwriting risks, financial and contractual obligations and support functions associated with products issued by American GeneralLife Insurance Company are its responsibility. American General Life Insurance Company does not solicit business in the state of New York.

    2013 All rights reserved.

    2001 Gateway Place, Suite 201ESan Jose, CA 95110

    (408) 392-0831

    We congratulate Roger Yan and his entire staff fromour Silicon Valley Area offices on this great achievement.

    From left to right: Scott A. German, LUTCF, CLF, Executive Vice President and Chief Distribution Officer;James A. Mallon, President; Roger Yan, General Manager; and Wade Hampton, Vice President of Sales

    Mr. James A. Mallon, President of AIG Life and Retirement,congratulating Roger Yan, General Manager of AGLA's #1 leading office of 2010-2012.

    Roger Yan, General Manager of AGLA's LEADING OFFICES of 2012 and his staffhave managed an unprecedented feat of being the

    Leading offices for the 3rd year in a row!

    CONGRATULATIONS TO OUR #1 LEADING

    CA30-0213-01

    200211

    201211

    1001010

    BessieBessie

    1994

    Bessie

    T

    ()

    2012

    Bessie

    Bessie

    Bessie

    1

    B8

  • 1 A17

    2012

    The underwriting risks, financial and contractual obligations and support functions associated with products issued by American GeneralLife Insurance Company are its responsibility. American General Life Insurance Company does not solicit business in the state of New York.

    2013 All rights reserved. CA30-0213-02

    WE LOOK FORWARD TO MORE CONTINUED SUCCESS IN THIS YEAR OF THE SNAKE 2013!

    455 Hickey Boulevard, Suite 500Daly City, CA 94015

    (650) 994-6679

    Roger and his staff continue to protect and serve their Asian communitywith Life Insurance you don't have to Die to Use.

    ROGER YANGENERAL MANAGER

    CA LICENSE 0C22676

    AN TRANASSOC. GENERAL MANAGER

    CA LICENSE 0A07622

    DAVID DAIASSOC. GENERAL MANAGER

    CA LICENSE 0G36398

    DONNA WUASSOC. GENERAL MANAGER

    CA LICENSE 0G59371

    EVA TAMSPECIAL REP MANAGERCA LICENSE 0E51275

    SIMON CHEWSPECIAL REP MANAGERCA LICENSE 0752730

    TOM NIESPECIAL REP MANAGERCA LICENSE 0D61028

    AN HOANGASSOCIATE MANAGER

    CA LICENSE 0C35497

    SANDRA CHUASSOCIATE MANAGER

    CA LICENSE 0E39754

    PETER POASSOCIATE MANAGER

    CA LICENSE 0C41696

    HANNA PHAMASSOCIATE MANAGER

    CA LICENSE 0G58474

    CONA YANASSOCIATE MANAGER

    CA LICENSE 0F99238

    ALICE CHUASSOCIATE MANAGER

    CA LICENSE 0G77724

    CECILIA LEEASSOCIATE MANAGER

    CA LICENSE 0G12324

    LILY LIUASSOCIATE MANAGER

    CA LICENSE 0H37352

    PAULA LAUASSOCIATE MANAGER

    CA LICENSE 0G63039

    DEBBIE SZETOASSOCIATE MANAGER

    CA LICENSE 0G66470

    TIMOTHY YEHASSOCIATE MANAGER

    CA LICENSE 0E49525

    MIA WANGASSOCIATE MANAGER

    CA LICENSE 0D84526

    OFFICE OF 2010, 2011, AND 2012!!!

    CA30-0712-03

    27 (19721999)

    6000

    2002

    30

    100

  • 1 A18

    510-790-3366

    E-mail: [email protected]. http://family.cchc.org

    510-893-3210

  • A19

    (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)

    :

    ?

    (San Jose Alliance Church)

    (David)Kay

    David

    1997

    Kay

    (Marketing and Sales)

    Banana Leaf(

    ) 1999

    (Milpitas)

    David

    Kay

    Kay

    David

    2003

    ( Banana

    Leaf

    )

    3:5-6

    ( 12:26b) Kay

    David

    ...

    : 211 Topaz Street, Milpitas, CA 95035. : 408-263-8585

    2002 Consumer Business Review Banana Leaf Banana Leaf (More than just a restaurant, Banana Leaf has become a destination)

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

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

    (908)268-3653 M3p 51237thAve.,Brooklyn,NY11220

    (347)804-4293 M11a 156-03HoraceHardingExpwy.,Flushing,NY11367

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

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

    (917)208-7883(267)210-3078 M10:30p 237S.10thStreet,Philadelphia,PA19107

    (301)875-1099 Su11p 12306EugnenesProspectDr.,Bowie,MD20720

    (301)229-8233 Su11p 4953BethesdaAve.,Bethesda,MD20814

    (301)437-8181W10:30p 13101DamestownRd.,Gaithersburg,MD20878

    (347)944-7684 W11:30p 3441KeswickRd.,Baltimore,MD21211

    (410)465-5548 M12p 1800CromwellBridgeRd.,Baltimore,MD21234

    Virgina Beach (757)717-6745 M11p 228PritchardRd.,VirginiaBeach,VA23452

    (703)820-1010 T10a 6071LeesburgPike,FallsChurch,VA22041

    (770)310-2855 W 11:30p 4434BrittRoad,Tucker,GA30084

    (678)462-8098 Su5:45p

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

    (407)877-2036 F8p 4846BlueMajorDr.,Windermere,FL34786

    (407)574-9450 Su8p 5600W.ColonialDr.,Suite108,Orlando,FL32808

    (407)420-1703 T7p 5323BambooCt.,Orlando,FL32811

    (256)881-7403 M10p 2130MetroCircle,Huntsville,AL35801

    (256)797-2105 T2:30p 12090#PCountyLineRd.,Madison,AL35756

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

    GoldenWok 859)816-3329 T11p 1781PatrickDr.,Burglington,KY41005

    (614)263-9287 T10:30p 4141MazieRoad,Columbus,OH43224

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

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

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

    (608)516-5605 Su3p,10:30pW10:30p 301RiversideDr.,Madison,WI53704

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

    (972)437-3466 T10:30pT8:30p 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

    (707)315-7078 T11p 2025SonomaBlvd.,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

    (408)893-4604 T11p 2116NewportAve.,SanJose,CA95125

    (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:

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

    2

    4988 Paseo Padre Parkway,

    Fremont CA 94555

    Tel:510-818-9883

    [email protected]

    (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

    (347)804-4293 M11a 156-03HoraceHardingExpwy.,Flushing,NY11367

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

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

    (267)210-3078 M 10:30p 237 S. 10th Street, Philadelphia, PA 19107

    (301)875-1099 Su11p 12306EugnenesProspectDr.,Bowie,MD20720

    (301)229-8233 Su11p 4953BethesdaAve.,Bethesda,MD20814

    (301)437-8181W10:30p 13101DamestownRd.,Gaithersburg,MD20878

    410274-4550 W11:30p 3441KeswickRd.,Baltimore,MD21211

    410274-4550 M12p 1800CromwellBridgeRd.,Baltimore,MD21234

    Virgina Beach (757)717-6745 M11p 228PritchardRd.,VirginiaBeach,VA23452

    (703)820-1010 T10a 6071LeesburgPike,FallsChurch,VA22041

    (770)310-2855 W 11:30p 4434BrittRoad,Tucker,GA30084

    (678)462-8098 Su5:45p

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

    (407)877-2036 F8p 4846BlueMajorDr.,Windermere,FL34786

    (407)574-9450 Su8p 5600W.ColonialDr.,Suite108,Orlando,FL32808

    (407)420-1703 T7p 5323BambooCt.,Orlando,FL32811

    (256)881-7403 M10p 2130MetroCircle,Huntsville,AL35801

    (256)797-2105 T2:30p 12090#PCountyLineRd.,Madison,AL35756

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

    GoldenWok 859)816-3329 T11p 1781PatrickDr.,Burglington,KY41005

    (614)263-9287 T10:30p 4141MazieRoad,Columbus,OH43224

    (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

    133

    470

    1.

    100

    125

    2.

    3.

    4.

    5.

    6.

    7. 3

    2

    Peggy itores

    Peggy

    17

    18

    ,

    828

    2

  • 1 A20

    -- Amy Lin

    ()-- Tammy Liang

    -- Ben

    -- Elanor Chen

    510-893-3210 (B12013)

    1) - 6/227/6 (10am 5 pm)

    2)(7/26-8/8)

  • 1 B1

    Dublin West: 7485 Village Parkway Dublin East: 4288 Dublin Blvd, #206 (Ulferts Center)

    925.719.3924 www.Seed2Sprout.org

    SEED2SPROUT LEARNING CENTER

    PRESCHOOL ACADEMY & DAYCARE

    , /

    AFTERSCHOOL ACADEMY

    ,,,,

    SPRING CAMP, SUMMER CAMP

    , ACADEMIC ENRICHMENT FUN

    AP SAT

    BestinClassEducation.com

    Best in ClassEducation Center

    TM

    formerly BrainChild Education Center

    Math English SAT Test Prep

    ($100)

    2013430

    Sunnyvale & Lake Oswego centers only

    Sunnyvale, CA448 E El Camino RealSunnyvale, CA 94087

    408.768.1335

    Lake Oswego, Or16318 Bryant Rd.

    Lake Oswego, Or 97035503.734.7467

    New Ce

    nter!

    New Ce

    nter!

    OregonNW Bethany Center503.734.7467

    Washington CaliforniaBellevue425.453.9532

    Seattle206.341.9914

    San Francisco 415.753.9529

    SF - China Town415.398.3266

    Issaquah425.272.1328

    Northgate206.801.6688

    San Jose

    408.441.8462

    Cupertino408.253.3980

    Bothell425.368.3069

    Woodinville425.368.3069

    Oakland510.282.6625

    San Ramon925.550.5973

    Redmond425.292.1818

    Lynnwood425.741.3000

    Newark510.585.5969

    Fremont510.717.1681

    Renton425.333.7333

    MarylandGaithersburg301.887.7337

    SE Portland Center503.734.7467

    ...

    -10

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    -/

    -10+ years as a Guidance Counselor at the most competitive private & public high schools in San Francisco. Fluent in Cantonese, Mandarin, Toishanese & English

    -Frequent educational speaker on higher education topics

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    (Oscar)

    5

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    2,000

    T

    2 2 6

    1

    Yahoo

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    .....

    Benjamin S. Bloom(

    )

    50%30%

    20%

    (Piyajie, 1896--1980)

    48%46%

    45%28%

    1

  • Little Hong Kong

    Restaurant

    11 9

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

    :[email protected]

    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 ()

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    : 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, ; , ;

    :

    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

    mushroom

    maesrhum

    mouche

    mushroom myxes

    toadstool

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    $16.88201510-444-2991

    419 15th StreetOaklandCA

    395()

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    1 B2

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    $2.50$3.50

    DIY

    30312

    500 300 100

    100$10

    315

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    :

    Tel: (510) 857-1010www.thebol.us

    Foster Farm

    $1

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  • 1 B3

    Catherine Wong, RD, MPH

    32580

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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

    [email protected]

    Simon Kim Lee

    Broker DRE Lic#00898196

    ()

    (SHORT SALE)

    Mimi Du (RE License # 01304977) Loan Consultant, Realty World SVI Group 408-661-6683 [email protected]

    Real Estate Financing Of All Types of

    Properties in California

    , !

    Sophia Chan, CDPE :: Pleasanton, Dublin, San Ramon, Fremont, Newark, Union City... (925) 719-7033 [email protected] 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

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    Title

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    REMAX

    Margaret Kelly

    30

    5%

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    8 6 5

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    408-661-6683650-308-8837. [email protected] License #01304977

    Mimi(

    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 [email protected]

    William [email protected]

    MORTGAGE CENTER CORP.

    199 California Drive, Suite 200 Millbrae, California 94030

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

    [email protected]

    Simon Kim Lee

    Broker DRE Lic#00898196

    ()

    (SHORT SALE)

    Mimi Du (RE License # 01304977) Loan Consultant, Realty World SVI Group 408-661-6683 [email protected]

    Real Estate Financing Of All Types of

    Properties in California

    , !

    Sophia Chan, CDPE :: Pleasanton, Dublin, San Ramon, Fremont, Newark, Union City... (925) 719-7033 [email protected] 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

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    (prepayment penalty)

    Escrow

    (closing date) pro-rate

    Title

    Insurance

    ()

    REMAX

    Margaret Kelly

    30

    5%

    4%

    8 6 5

    (

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    www.irs.gov

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    (Offer)

    Alameda

    20

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    ()

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    10

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    10

    1 B4

    MORTGAGE CENTER CORP.

    199 California Drive, Suite 200 Millbrae, California 94030

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

    [email protected]

    Simon Kim Lee

    Broker DRE Lic#00898196

    ()

    (SHORT SALE)

    Mimi Du (RE License # 01304977) Loan Consultant, Realty World SVI Group 408-661-6683 [email protected]

    Real Estate Financing Of All Types of

    Properties in California

    , !

    Sophia Chan, CDPE :: Pleasanton, Dublin, San Ramon, Fremont, Newark, Union City... (925) 719-7033 [email protected] 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

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    3.25%30 1305.62

    (prepayment penalty)

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    (closing date) pro-rate

    Title

    Insurance

    ()

    REMAX

    Margaret Kelly

    30

    5%

    4%

    8 6 5

    (

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    www.irs.gov

    --

    ()()

    (dual

    agency)

    (fiduciary

    responsibility)

    (

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    (

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    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 : [email protected]

    DRE#01831151 Realtor

    License #: 01822178

    GRI, CDPE GRI - Graduate Realtor Institute CDPE -

    Phone : (650) 922-8028 Eamil : [email protected] Website : www.shutien.com Office : 430 N. El Camino Real, San Mateo CA 94401

    !

    Kenny Lee

    Tim ZhouREALTOR ,DRE#01792597

    : 408-421-9200

    : BayWinWin.com

    E-Mail: [email protected]

    51020

    Tim0.5~1.0

    --

    14429 Catalina St., San Leandro, CA 94577

    Francis HoBroker

    Lic # R01242890

    E-mail: [email protected]

    Of ce: 510-748-9033

    Mobile: 510-409-8486

    Jimmy He

    [email protected]

    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

    Per-

    mit

    1

    408-940-6508

  • 1 B5

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

    DRE License # 01327720

    : 408-835-2455 Email : [email protected]

    Direct: (510) 814-4848 Mobile: (510) 913-1600Fax: (510) 523-5743Email: [email protected] Estate License: 01106012 Ringo Liu

    Alameda

    14429 Catalina St., San Leandro, CA 94577

    Francis HoBroker

    Lic #R01242890

    www.fasrealtyinc.com

    E-mail : [email protected] : 510-748-9033Mobile : 510-409-8486

    Ed Yum

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

    : (510) 396-0534: [email protected]

    DRE Lic#: 01883686

    ,,

    sight-reading

    2010

    2011 2 4 [email protected]

    XXXXXXXXXXX

    Quantum Real Estate 840 Hinckley Road #215 Burlingame, CA 94010 510-797-9222 510-552-0938 650-652-9399 [email protected]

    #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: [email protected] 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: [email protected] 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

    : 408-835-2455 Email : [email protected]

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

    DRE License # 01327720

    : 408-835-2455 Email : [email protected]

    Direct: (510) 814-4848 Mobile: (510) 913-1600Fax: (510) 523-5743Email: [email protected] Estate License: 01106012 Ringo Liu

    Alameda

    14429 Catalina St., San Leandro, CA 94577

    Francis HoBroker

    Lic #R01242890

    www.fasrealtyinc.com

    E-mail : [email protected] : 510-748-9033Mobile : 510-409-8486

    Ed Yum

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

    : (510) 396-0534: [email protected]

    DRE Lic#: 01883686

    ,,

    sight-reading

    2010

    2011 2 4 [email protected]

    XXXXXXXXXXX

    Quantum Real Estate 840 Hinckley Road #215 Burlingame, CA 94010 510-797-9222 510-552-0938 650-652-9399 [email protected]

    #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: [email protected] 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: [email protected] 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

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

    DRE License # 01327720

    : 408-835-2455 Email : [email protected]

    Direct: (510) 814-4848 Mobile: (510) 913-1600Fax: (510) 523-5743Email: [email protected] Estate License: 01106012 Ringo Liu

    Alameda

    14429 Catalina St., San Leandro, CA 94577

    Francis HoBroker

    Lic #R01242890

    www.fasrealtyinc.com

    E-mail : [email protected] : 510-748-9033Mobile : 510-409-8486

    Ed Yum

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

    : (510) 396-0534: [email protected]

    DRE Lic#: 01883686

    ,,

    sight-reading

    2010

    2011 2 4 [email protected]

    XXXXXXXXXXX

    Quantum Real Estate 840 Hinckley Road #215 Burlingame, CA 94010 510-797-9222 510-552-0938 650-652-9399 [email protected]

    #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: [email protected] 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: [email protected] 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

    Direct: (510) 814-4848 Mobile: (510) 913-1600Fax: (510) 523-5743Email: [email protected] Estate License: 01106012 Ringo Liu

    Alameda

    Jimmy He

    [email protected]

    NMLS LIC # 336551DRE LIC # 01877145

    , ,, , , ,

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

    Loan Consultant, Realtor

    510-962-2428

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

    Tel: 415.310.9872E-Mail: [email protected] 01237355

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

    , , ,. , .

    San FranciscoSilvie ThangPhone: [email protected]

    East BayDenny StellaCell: [email protected]

    PeninsulaJoanna Yu Phone: [email protected]

    South BayKevin TranPhone: [email protected]

    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 (

    )/ (

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    Section 8 90

    Section 8 (

    ) 1

    1

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

    E-mail : [email protected]

    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

    : 408-835-2455 Email : [email protected]

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

    DRE License # 01327720

    : 408-835-2455 Email : [email protected]

    Direct: (510) 814-4848 Mobile: (510) 913-1600Fax: (510) 523-5743Email: [email protected] Estate License: 01106012 Ringo Liu

    Alameda

    14429 Catalina St., San Leandro, CA 94577

    Francis HoBroker

    Lic #R01242890

    www.fasrealtyinc.com

    E-mail : [email protected] : 510-748-9033Mobile : 510-409-8486

    Ed Yum

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

    : (510) 396-0534: [email protected]

    DRE Lic#: 01883686

    ,,

    sight-reading

    2010

    2011 2 4 [email protected]

    XXXXXXXXXXX

    Quantum Real Estate 840 Hinckley Road #215 Burlingame, CA 94010 510-797-9222 510-552-0938 650-652-9399 [email protected]

    #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: [email protected] 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: [email protected] 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

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

    DRE License # 01327720

    : 408-835-2455 Email : [email protected]

    Direct: (510) 814-4848 Mobile: (510) 913-1600Fax: (510) 523-5743Email: [email protected] Estate License: 01106012 Ringo Liu

    Alameda

    14429 Catalina St., San Leandro, CA 94577

    Francis HoBroker

    Lic #R01242890

    www.fasrealtyinc.com

    E-mail : [email protected] : 510-748-9033Mobile : 510-409-8486

    Ed Yum

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

    : (510) 39