號角月報美西北版一零年一月號 A刊 Herald Monthly SF Jan 10 Section A

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% (Ranking)* (Est. Annual Tuition Fee) (Percent Difference) 21 $10,302 1 $34,830 238% 2 $34,290 233% 3 $36,000 249% 4 $33,324 223% 4 $37,380 262%

:

% (Ranking)** (Est. Annual Tuition Fee) (Percent Difference)UC Berkeley 1 $10,302 UCLA 2 $10,302 University of Virginia, VA 2 $9,870 -4%University of Michigan at Ann Arbor, MI 4 $13,856 34%University of North Carolina at Chapel Hill, NC 5 $11,400 11%College of William and Mary, VA 6 $11,100 7%Georgia Institute of Technology 7 $7,056 -32%UC San Deigo 7 $10,302 University of Illinois at Urbana Champaign, IL 9 $13,060 27%University of Wisconsin at Madison, WI 9 $9,313 -10%**

150(University of California ) 32% $10,000()

2009 (US News and World Report) 3 (U.C. Berkeley)(UCLA) (U.C. San Diego)65 2124 (Ivy League)

(Nobel Prize) (Harvard University)3235 (Princeton University) (Yale University) 116 (California Institute of Technology) (Stanford University) 1716 (Academic) (Research) (Engineering Program) (Business Administration)

(Public) 20(Private):

32% (Financial Aid)

! 55,000!

,> B12! A16! A5 !

www.cchcsf.org

!

A2

SAT

()

()( 22:6)

(Blue and Gold Opportunity Plan) 7 (Grant) PELL GRANTCAL GRANT 7

( B1 )

4 2

FAFSA CAL GRANT GPA VERIFICATION FORMG P A (California Student Aid Commission)

(Automatic Zero)() SSI 1040A 1040EZ 2009 1040A 1040EZ (Adjusted Gross Income) 3 3 5(Simplified Need Test) (Scholarship) APIASF

200 $2500 $5000http://www.apiasf.org/scholarship_apiasf.html 2010 APIASF 2010 1 18 http://www.moneyradio.org/showSubCategory.php?SCID=5441 10% 10 1 (Home Equity Line of Credit) (Subsidized Student Loan)(Unsubsidized Loan)PLUS Loans 7.9% (Community College) $26 www.cchcsf.org

30-32%

Alex

Josephine:

A3

So help me God) Rev. Rick WarrenRev. Joseph Lowery)

Michael New-dow(Freedom from Re-ligion Foundation) John Robertsso help me God)

(God save the United States and this honorable Court)

,:In God We Trust Alameda Betty Tong :(510)834-7232 www.PacificJustice.org

PACIFIC JUSTICE INSTITUTE

2006 90% 85% 1997 Focus on the Family

CTA

35 18 1 23 11 Embarcadero Justin Herman Plaza

11 San Juan

Alameda Lesson 9Pacific Justice Institute 2009 12 Alameda

Roesch Kevin Snider

Snider Castro Valley

San Lorenzo

2009 foreclosure

tent city,

,, Ahmadinejad

2010

A4

BankofAmerica

Derek Kam Sr. Mortgage Loan Officer/Vice President Office: 650.867.8473 Cell:510.676.8883 [email protected]

8 521

STUDIO

$450 510-882-1871

(

)

(

)

(Golden State)GOLD RUSH 6 ? 13

13 2004 2007 13

6 (Texas), (Washington) (Income Tax)

(Legislature)

()

(Statute of Limitation)()

3 3 4 ()

Pain and Suffering

(Annuity) http://www.moneyradio.org/showSubCategory.php?SCID=4295

SmartMoney 59 The Wrong Direc-tion ()

(Variable Annuity) (Whole Life Insurance)

A variable annuity could easily end up costing five times as much. Those taxes and

fees eat up returns. The biggest problem with whole life is that it is too expensive. 5-7%

(The smarter move? Buy much cheaper term insurance, then max out your retirement account.)

(Donna Wu) Lic # OG59371

1-888-889-8873 415-272-8928 E-Mail: [email protected]

720 1+1

2635 N. First Street, Suite 102 San Jose, CA 95134 408-922-0600

A5

Christina Cheung, CIC, CRM, SPHR Principal, ISU Insurance Services Cheung & Associates

45-49 5.65%

(DEPENDENT) FAFSA 46 58

(Equity)$8,500

EOP, ()(Grant)(Work Study)EOP

(Savings Bonds) (Beneficiary)

(Financial Aid)

(AGI) 10 () 24 24 $5,700

(Grant)

5.6%(Subsidized Student Loan)

Youngs Beauty Salon ( ) 510.683.0709

41255 Fremont Blvd, Suite 102, Fremont, CA 94538 ()

Young Brothers Painting (Since 1977) 510.508.6531

A6

(J. Wesley)

(Parkinson ()(I am the greatest)

(1427) 36

(

)

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, (415) 476-3889

A7

77 Josh McDowellGivers, Takers, and Other Kinds of Loves

Josh McDowell Givers, Takers, and Other Kinds of Loves

.

(

)

Oregon http://www.go2g.com/

()

(Make offer)() offer subject to inspection)

()

( Estoppel)

30 15 (balloon payment)

MORTGAGE CENTER CORP.

199 California Drive, Suite 200 Millbrae, California 94030

Cell:650-483-8250 Tel: 650-652-9000 Fax:650-652-9811

[email protected] Simon Kim Lee

Broker DRE Lic#00898196

()

Lasker ()

(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 Since 1983

, !

Sophia Chan, :: Pleasanton, Dublin, San Ramon, Fre-mont, Newark, Union City...

(925) 719-7033 [email protected] www.SophiaChan.net DRE # 01722769

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

A8

(S h o r t Sale) 6 9 GODDARD

Home Affordable Fore-closure Alternatives Program (HAFA) Making Home Affordable

HAFA

(Loan Modification) HAFA http://www.car.org/governmentaffairs/federal/ustreasuryfap/

HAFA (Foreclosure) HAFA (Fannie Mae)(Freddie Mac) 72 9 7 50

Lasker

Lasker

Lasker

OPEN HOUSE 70 Lasker 10 OFFER

OFFER

OFFER OFFER OFFER

Lasker Lasker

ESCROW OFFICER

Escrow Offi-cer(Title Company) Escrow

Escrow Escrow Officer Title Officer

Escrow Escrow Offi-c e r Preliminary Title Search Escrow Officer Escrow

Officer Escrow Officer Escrow Officer

(Title Insurance)

$1600

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

408-835-2455 Email: [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

A9

Randy Lui Broker, GRI, CRS, SRES,

e-Pro, RE Masters

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

Email: [email protected] www.BuyNSellSF.com

3-5%(Median Income) 60-120%

20% 20% HUD

$60,000 15%

80%

$60,000 20% 100%$50,000

20%

() (Certified Lender) 11 (Alameda, Hayward, San Leandro, Pinole, An-tioch, South San Francisco, Brisbane, Walnut Creek, San Pablo, Hercules Pittsburg ) Bay Area Home Buyer Agency

Bay Area Home Buyer A g e n c y 4 1 5 - 5 6 1 - 5 6 0 0 www.myhomegateway.com .

415-701-5500www.sfgov.org/moh

51 0 -23 8 - 30 15 www.oaklandnet.com

1 2 3 4

$67,750 $77,450 $87,100 $96,800

1 2 3 4

$60,300 $68,900 $77,500 $86,100

1 2 3 4

$46,350 $53,000 $59,600 $66,250

1 2 3 4

$67,750 $77,450 $87,100 $96,800

()

8 6 5 8

5 2009 11 7 2010 5 1 2010 7 1 3

5 8 5 2009 11 7 2009 11 6 11 6 11 6 11 6 (S e c o n d Home) 80 2009

5405 1040 67 (HUD-1 Settlement Form) 5405

2010 5 1 7 1 W - 4 ALLOWANCE 2010 (Estimated Tax) FHA HUD

h t t p : / /w w w . f e d e r a l h o u s i n g t a x c r e d i t . c o m / p d f /HUD_Mortgagee_Letter_2009-15.pdf

8

8 6 5 2009-12

http://ftp.irs.gov/pub/irs-drop/n-09-12.pdf TENANCY IN COMMON 8 8 6 5

8 6 5 8

8-10 pm AM 1450

1855 S. Winchester Blvd.Campbell, CA 95008Tel:(408)871-7201Fax:(408)871-7202

10:00-10:45am 11:00-12:15am

Guidepoint Gospel Church

(Orchard City Hall)Campbell Community Center1 West Campbell AvenueCampbell, CA 95008

: Rev. L. Thomas Wong

Community Baptist Church of San Jose

408-371-6200 www.cbcsj.org2215 Curtner Avenue, Campbell, CA 95008

:

:

:::

::

Ark Baptist Church

South Bay

RIVER OF LIFE CHRISTIAN CHURCH

408-625-4998 510-576-6976 415-593-9280 650-230-0823 916-307-4619

503-334-3501 206-279-5939 425-606-3682

():1-888-MY-ROLCC (1-888-69-76522)

: www.rolcc.net

: 8:30AM / 10:00AM / 11:30AM:11:00AM:10:00AM:Pioneer Kids Sunday School Kids Church

:1177 Laurelwood Rd; Santa Clara, CA 95054(101San Tomas Expressway)

:

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

::

:

9:30am 11:00am 7:30pm AWANA CLUB

:Larry Tong :Pinnie Wu

:408-725-8733:408-725-8791website:www.cfccsi.org, e-mail:[email protected] Williams Road, San Jose, CA 95129(Saratoga williams-25,57,58) :) 8:45-9:45 10:00-11:10 10:15-11:15 11:30-12:40 ()

() 9:00-11:15

: : Samson Ou Janet Fan : Joey Wang Ken Chan

!

/

(408) 838-0152E-mail : [email protected](408) 371-6200E-mail : [email protected]

/

Chinese Grace Evangelical Free Church

:Pastoral Search Committee for Chinese CongregationChinese Grace Evangelical Free Church7812 224th St., SE, Edmonds, WA 98026Or E-mail : [email protected] Website : www.seattlechinesegrace.com

: 510-364-3197

: [email protected]

()

3638 Lawton Street, S.F., CA 94122

www.sunsetchurchsf.org/chinese [email protected] Attn: Mr. K. C. Chew

A10

408-362-0121 408-203-8236 408-203-8632

Email: [email protected]

San Jose WEST VALLEY COLLGLE ASSOCTATED STUDENT ORGANIZATIONASO Danny Hsu

408-362-0121, 5034 Page Mill Drive, San Jose, CA 95111

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

1347 Richardson Ave., Los Altos, CA 94024 (650) 964-5241 www.logosbc.org

Logos Baptist Church

-

,

930 11 930 11 Awana Club

8

2128 4248 Solar Way, Fremont, CA 94538(510)651-9631

(510)739-6313

[] ()!

3635(Lawton) (415)665-3332

A12 A11

Glorious Light Christian Church

10 Chester Ave., S.F. CA 94132 415-585-2306 / 408-253-1910 www.glorious-light.net

() (/)

1620 Irving Street, San Francisco (17th 18th Ave) 415-664-3303 www.SFSCBC.org [email protected]

Sharon Chinese Baptist Church

::

::::

11:00am /9:30am 7:30pm 7:30pm 10:00am

::2:00pm-6:00pm

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 11:00am

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

San Francisco

19th Ave. Chinese Baptist Church

1398 19th Avenue, San Franciscon,CA 94122

9:00AM 11:10AM 7:00PM (415) 566-1232

:

::

::

Tel 415-751-2242 Fax 415-751-6389 Address 378-18th Ave., San Francisco, CA94121-2317Website : http//ggcrc.org

Golden Gate Christian Church (A Ministry of the Christian Reformed Church)

9:15am/ 11:00am 9:15am 11:00am

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

()

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()

:

: Senior Pastor: Rev. George Sanusi

:Time: Sunday 4:00 P.M.

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

: 650-892-8230 : 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

() (411 Airport Blvd., Burlingame, CA 94010)

(650)344-2299

1

5 1. 1187-8 () (408)263-8585108 2. 1258-9 () JoyLife ClubAM 1450

www.cchcRadio.org 3. 1912310:00 AM-11:30 AM 211 Topaz St., Milpitas, CA 95035

3

//

Attn : SPSC (Ryan Wang) Chinese Grace Bible Church 6656 Park Riviera Way, Sacramento, CA 95831 Email : [email protected]

ChineseGraceBibleChurch.org

: website:www.hoc.org

, Marcus Givens ()71 Bay road, Menlo Park, ca 94025Tel: 650-323-5550 Fax: 650-323-5560 9:30aM 11:00aM 9:30aM 9:30aM 11:00aM 11:00aM www.hoc1.orG

, 465 W. Portal Ave., S.F., CA 94127 Tel: 415-564-2099: 9:15AM : 10:30AM: 8:00PM : 8:00PM () (), 4248 Solar Way, Fremont, CA 94538 Tel: 510-651-9631/510-651-9937: : 9:30AM : 9:30AM11:00AM :1:15PM 10:00-11:30AM 8:00-9:30PM 10:30AM-12:00PM 8:00PM , , , ()

, , , , , 10340 Bubb Road, Cupertino, CA 95014 Tel: 408-996-8208 Fax: 408-996-9306: 9:30am, 11:00am 5:00pm: 9:30am 11:00am: 9:30am, 11:00am : 11:00am: 9:30am : 6:30pm : 7:30pm , : 7:30pm , (), ,

, , , , , : Rev. Eric Maxwell20548 Lomita Ave. Saratoga CA 95070 Tel: 408-867-6264 Fax: 408-867-6880/: 9:00-9:50am /: 10:00-11:30am : 9:00am : 8:00pm : 10:00am : : 7:30pm , 4:00pm () 6:00pm (), 7:00 ()

, 35479 Dumbarton Ct., Newark, CA 94560 Tel: 510-742-6848 : 9:15am : 11:15am 10:00am: 8:00PM () 8:00pm , , , , , , , !1/8/03, 11:30am 26KTSFCable4:30pm32KMTPCable

280 10(Parkin-sons Disease)

280 (510)452-1772

6

4

2010 23- 24

:CCM Gospel Center

8-14 Ross Alley, San Francisco, CA 94108: 415-398-5457 : 415-398-7420

: [email protected]

: ( , CD): , ,

25 , , , !, ,

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20102010()

1494 California Circle, Milpitas, CA 95035408-586-8351 [email protected] www.cwts.edu

2

213210975 N Wolfe Road, #201A, Cupertino, CA 95014(408)992-9220

13400 W. Middle Road, Tracy, CA 95304 209-835-4673 ext.122 209-833-5350 www.southwinds.org [email protected]

Southwinds Chinese Church, Tracy

::

::

9:00am / 10:30am 9:00am / 10:30am 10:00am/8:45am / 10:30am

:

East Bay

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

Sharon Chinese Baptist Church

::

::

9:15am11:00am

www.lifelutheranchurch.org [email protected]

1963 Carlson Blvd., Richmond, CA 94804 510-526-5304

10

12

7

1996Graduate Theological Union

1030 ; ()

(13510-526-5304)

1. (II) 1/9/2010 - 4/10/2010 (10) 2. 1/7/2010 4/8/2010 (730) 1-13 (102100)

()

5327 Jacuzzi St., Unit 3E2 & 3H, Richmond, CA(80 Central Ave ) /(510)524-9610 : www.gccubed.org

Great Commission Christian Church

::

:

:

()()()

Silicon Valley Alliance Church @ Newark 10:15am 9:00am 38325 Cedar Blvd., Newark, CA 94560 (510)668-1989 [email protected] : www.svacnewark.org

East Bay Alliance Church

: 9:30am()/11:00am() 3755 13 Ave. Oakland,CA 94610 510-336-1908 www.eastbayalliance.org

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()

505 Driscoll Road, Fremont, CA 94539(Bridges Community Church C ) 510-668-0929 www.fcefc.org

Fremont Chinese Evangelical Free Church

::

9 10 45

Sacramento

3424 Fruitridge Road, Sacramento, CA 95820 916-421-8207 916-421-8029

Maranatha Christian Church

::

10:00am / Billingual

Other

Renton Chinese Alliance Church

13232 156th Ave SE, Renton,WA98059:www.rcacseattle.org

:P O Box 2667 Renton, WA 98056: 12:30 12:30

/ : 12:30

(Pastor Henry Wong) (Pastor Ray Choi)(425)802-9878 (425)306-0393 [email protected] [email protected]

/EVANGELICAL CHINESE CHURCH

651 NW 81st St., Seattle, WA 98117 2321-173rd Ave., Ne, Redmond, WA 98052

Tel: (206) 789-6380 Fax: (206)782-3684Email: [email protected]

Website: www. ECCSeattle.org : :

Mid-Peninsula

A12

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

B

: 523 8th Street, Oakland, CA 94607 510-893-3210

10:00-11:30

2010201024

1 , 10:00 4:00

10:00 2:00

2 10:00 4:00

35 6:30 9:30B $980.00

: 12 - (6): 100 - (6) 100

**41**

2010 5

4

20105

$10

1/6/09 () 1:00pm-3:00pm

100*: 7

$25(8)$15(4)

1/9/2010 9:30am-11:30am

, , ,

:

(e-mail account)

3/8-3/29 () 10:00am-12:00pm $40

$51/16-5/22 2:00pm-4:00pm

1/081/151/221/29

2/5 2/122/292/26

()

:(- )

2/13/2010 :

2/27/2010

1/09/2010 :

1/23/2010 :Rose Wang () (510) 522-0924 () (510) 489-3460 ()

10:00 am - 12:00 pm

4:00-5:15

1:00-2:45

4:00-5:15

http://youtube.com/kowkauyeungmay

(510) 893-3210

4:00-5:15

1:00-2:45

4:00-5:15

http://youtube.com/kowkauyeungmay

(510) 893-3210

A13

A14A14A14

73

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(price

tag)

This advertisement has been translated from English for your convenience.All applicationsfor coverage and all policies or contracts that may be issued are written in English only. You may request an English version of this document. If there is any discrepancy, the English version is the official document.

220

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Tel: 408-980-9925

Offices: 4800 Great America Parkway, Suite 415, Santa Clara, CA 95054 and 2171 Junipero Serra Blvd #540, Daly City, CA 94014

This advertisement has been translated from English for your convenience. All applications for coverage and all policies or contracts that may be issued are written in English only. You may request an English version of this document. If there is any discrepancy, the English version is the official document.

A15

510-282-6208

1-800-670-8448

(JONAS YUE)

www.selectquote.com/chinese

:US$20US$40US$70

[email protected]

510152030

CCHC

715 E. Mission Rd., San Gabriel, CA 91776P.O. Box 1047, Oakland, CA 94604-1047 156-03 Horace Harding Expressway

Flushing, NY 11367

300 Steelcase Road West, Unit 28, Markham, Ontario, L3R 2W2 Canada

1-718-359-2030 1408 [email protected]

CCHC, 48 Allen Street,New York, NY 10002

20091127,085.00

462,000

10,000

CCHCPO Box 1047, Oakland, CA

94604-1047200911162009121514,134.55

201152008

2009815136

CCHC48 Allen St., New York, NY 10002

20092006,000

700200610512

27

3,00020061

5

20082

CCHC48 Allen St., New York, NY 10002

Full GPA4.0

(Love is like a magic penny.) CCHC48 Allen St., New York, NY 10002

A16

A01CMYKA02CMYKA03CMYKA04CMYKA05A06A07CMYKA08CNYKA09CMYKJ C Real Estate Investment Group, INC.

A10CMYKA11A12A13CMYKA14CMYKA15CMYKA16CMYK

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號角月報 美西北版 一零年 一月號 A刊 Herald Monthly SF Jan 10 Section A

號角月報美西北版一零年一月號 A刊 Herald Monthly SF Jan 10 Section A