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李亞男的轉變 B16時事論壇/分析 A4-5日本天災特輯 特2版 中国人在硅谷 C1-C4 認識胰臟腺癌 B12版 阿媽的夢 A19版 本月派發數量 100,000 時事 理財 信仰 健康 法律 教育 美食 地產 旅遊 真人真事 內容豐富健康,與您息息相關 5 May www.cchcsf.org 536 美國以五月的第二個星期天記 念母親的日子。中國人自小必 定聽過「孟母三遷」的事蹟。 孟子的母親用心良苦,為了讓 兒子在一個好的環境成長,不惜三次搬家。我們也必定唸過孟郊的「遊子 吟」:「慈母手中線,遊子身上衣。臨行密密縫,意恐遲遲歸。誰言寸草 心,報得三春暉。」散文作者冰心在她的文章中亦常有歌頌母愛的詞句。 的確,母親恩情如海深,我們無以為報,只能心存感恩,並盡力以行動表 達愛意。 母親節起源 1861-1865年間,美國進入了內戰時期 (又稱為「南北戰 爭」)。內戰對美國社會和民生產生了極大的影響;第一當 然是廢除了奴隸制度,解放了黑奴。另外由於戰爭的關係, 對軍備、鐵路運輸、造船等工業的勞動力需求隨之而增加, 形成美國工業的起飛。在這段工業化的浪潮中,工廠需要大 量的工人投入生產,所以當時大部份的美國人,都是勞動階 級。 經歷了內戰,美國低下層的人都學會爭取權益的重要,所 以工人都會自動組織起來,以群體力量與僱主們討價還價。 當時有一位名叫Ann Jarvis的女士,成為工人中的活躍份 子,致力為女性勞工爭取福利和待遇。Anna Jarvis其實本來 只是教會裡的主日學老師,但在內戰時期,因為看到滿地的 傷兵,便組織一班婦女到戰地去照顧受傷的軍人,而且不管 受傷的人屬於哪個陣營,她們都不計較。另外她又為那些軍 人的母親安排定期會面,互相安慰關懷。到了戰後,她更發 起舉行「母親友誼日」,尋求讓那些在戰亂中離散的母子重 聚。 可惜在成功爭取到全國認同「母親友誼日」前,Anna Jar- vis在1905年5月9日與世長辭。她的女兒Anna Marie自此繼承 了她的工作,結果於1914年,當時的威爾遜總統頒布每年五 月的第二個星期天為「母親節」,一方面以此記念天下的母 親,也記念一位非常有愛心的女性,Anna Jarvis。 當然,今天我們記念母親節,與當年Anna Jarvis發起「母 親友誼日」的原意有別,但母愛的無私,也是值得我們讚揚 的。事實上,現時世上大部份的國家都慶祝母親節,不過日 期就不一定在五月。例如大部份阿拉伯國家的母親節就在三 月份、泰國在八月、俄羅斯更在十一月底。 養子方知父母恩 我們小時候都不明白母親的關懷,甚至覺得她們很囉嗦, 根本不了解我們的心思。到長大以後,我們才稍能理解母親 關切之情;又或者到我們自己經歷生產的痛,養育的情後, 才體會那份血肉相連的愛。今天要報答母親的恩情,在母親 節送個禮物,或者吃個晚飯是否足夠表達我們的心意?但我 相信作為母親,最希望我們平時多回家吃飯,多向她傾訴心 事,多關懷她的生活,多告訴她:「媽媽,我愛你!」 表示方式多元化 每逢母親節,子女們都會用各種方式表達自己對母親的關 懷和敬意,如贈送賀卡、鮮花和禮物,或者以互通電話、電 子郵件、甚至網絡視頻等形式來表示問候。但近年不少商人 利用這天大搞新意,把母親節變得越來越商業化。根據美國 餐飲協會資料顯示,母親節是美國全年最多人出外吃飯的日 子。此外,美國人平均每年都花費約26億買鮮花、15億買 禮品,和七百萬購買賀咭。人們也喜愛送贈珠寶首飾給母 親。2008年美國人在母親節那天消費在珠寶首飾上的數字, 就佔了珠寶業全年收益的8%。 送她一束康乃馨 Anna Marie在1908年記念她母親的聚會中,在會場擺放了 500朵白色的康乃馨。自此以 後,康乃馨就成為了代表母愛 的花朵。直到今天,很多人 在母親節都會為母親送上一 束康乃馨,表達感謝的心。亦 有人喜歡在胸前插一朵康乃 馨。Anna Marie說過康乃馨是 她媽媽最喜愛的花。不過不知 是否白色的康乃馨不常有,大 多花店都會提議如果顧客的母 親仍健在,可以在胸前插上紅 色的康乃馨,而假如母親已離 世,便插上白色。2 當年中學會考「全軍覆沒」,媽媽情願自己節衣縮食來送我 到加拿大升學。在一個偶然的機會下找到一個提供Room and Board (包吃包住) 的家庭,租金也很相宜。 Briscoe一家四口:爸爸Gordon從事印刷工作。媽媽Arvilla 是典型的家庭主婦,笑容可掬,一天到晚都在廚房裡弄吃的。 兩個兒子Andrew和Gregory,一天到晚纏著我要學中文。 每天早上Arvilla都會為我預備豐富的早餐和午餐,她的孩 子們吃甚麼,我就吃一樣的。Arvilla也帶同我參加他們的家 庭旅行和聚會。我個就像他們家的一份子,他們的親人朋友都 認識我。離家別井的我,頓覺溫暖在心頭,那「家」的感覺是 很實在的。 因為父母不在身邊,有時我也免不了懶散。Arvilla又成為 我的監督,而且會查問我的成績。參加學校的晚間活動時,她 一定會問清楚我回家的時間,並督促我不可吸食毒品和大麻, 不可抽煙,不可亂搞男女關係。有幾次我晚了回家,Arvilla 竟在客廳中等我回來,勸說我不要學壞,要知道神創造人類, 我們要愛惜自己。我那時聽不明白,但Arvilla對我的關心和 愛我倒是感受得到。所以我也不敢放縱自己,免得令她失 望。我高中畢業的 時候,Arvilla哭 了,她們夫婦以監護 人身份參加我的畢業 典禮。 Briscoe一家都是基督徒,Arvilla常以她不能抗拒的笑容, 邀請我參加教會聚會。雖然偶爾也會拒絕,但她每個星期都會 不間斷的邀請。每次吃飯前,他們一家都會一起謝飯祈禱。有 時更會為我的救恩禱告。Arvilla常常找機會與我分享福音, 希望我可以接受基督的愛。 大學畢業後我回到香港工作,經歷了一些事情,明白神為人 捨命的愛,看到自己的不足,接受了耶穌作個人救主。我在 信件中把這消息告訴Arvilla,誰知道她竟撥了個長途電話給 我。她說她實在太高興,接著她高興得哭起來。不過她卻不忘 詢問我聚會教會的宗派,千叮萬囑我們要選擇教導真理的教 會。今天雖然她年事漸高,但通 電話時,她還是會問我教會生活 如何。知道我在神學院學習, 她很是安慰,希望我好好的為 神作工。母親節將近,我除了 掛念我肉身的媽媽,也非常想 念這位讓我認識耶穌基督大 愛的「媽媽」。 2 我信仰的「母親」 Willie 初為人母 • Amanda 以前只知道在母親節去挑選花和禮物來送給媽媽, 但是如今的母親節感受和以往有所不同。雖然現在 有無痛分娩,麻醉葯使我減輕許多痛楚。但當我親 身經歷過生産孩子的辛苦,回想起我媽媽的年代是 沒有無痛分娩,我真的不可以想象那是何等的艱 辛,令我真正感受到母親的偉大。我感謝主的保守 和看顧,祂的恩典實在是太美妙了! 幾年前,我從未想過 何時會去結婚,祂已爲 我預備。我很感激我丈 夫在我懷胎的時間的關 懷與陪伴;父母在我的 身旁提點與幫助;還有 教會的弟兄、姊妹的關 懷和慰問,令我可以健 康的誕下小ARIEL。這 一切是神奇妙的安排。 2

號角月報 美西北版 2011年 五月份

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    :

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    :408-725-8733:408-725-8791website:www.cfccsi.org, e-mail:[email protected] Williams Road, San Jose, CA 95129(Saratoga williams-25,57,58)

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    Pow-ell1524130Powell street1524Cabrillo1150

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  • A12 A11

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    ::::

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

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    51

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    Sunset Church

    9

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

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    1) - : 2011 514 () (9:30 am 12 pm) 1370 -19th Ave, SF, CA 94122 (Judah St. Irving St.) 2) : 20114236 18 : 1398 -19th Ave (Judah St. Irving St.) (415) 566-1232

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    Morgan Hill United Method-ist Church17175 Monterey RoadMorgan HillCA 95037Tel: 408-706-5996 ()

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

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    : 10

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    www.fremontchineseunitedmethodistchurch.orgTel : 510-657-7593 / 510-490-0696

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

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    3755 13 Ave.

    Oakland, CA 94610

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    201157

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    Sacramento

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

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    ::

    10:00am / Billingual

    Other California Areas

    845 1000 730 (916)422-4474

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    Blessed Life Church

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    /

    * * * * * /

    [email protected]

    4430 Willow Road Suites L & N Pleasanton, CA 94588() ()

    (925) 225-9888 www.bapec.us

    Pleasanton

    10 10 12

    5

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

    28 1012 1) 2) 100

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    Jason Yao (Job Lee)3:30pm 5:00pm

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  • : 536 8th Street, Oakland, CA 94607 510-893-3210

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    Fremont Chinese Independent Baptist Church

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    : (5/14/2011) :

    : : Joe Rose, (5/28/2011)

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    19371986

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    6: 5/21/2011: 1:00 - 3:00 pm: - 865 Jackson St. SF, CA 94134: Dr. Abraham Law and Annie Cheung Dr. Abraham Law : , , , , $10 6

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    $10

  • 1 A14

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    2() ............... $1182 () ............................................... $1184 () ............................... $1484 () ........................... $148()4 () ................................... $168** 2/7 $784(2/5.3/19.3/26) ................................................ $1887/() ///// () ....................... $3287/() ///// () ................................ $3287 () ///////// (2/5.3/19.3/26) ................................................ $4287() ////// (2/5.3/19.3/26) ......... $428

    210% OFF

    68$216+(10%OFF)

    4-7 ($150)

    * 1 () $58

    * 1 () $78

    * 171 () $78

    : WWW.WORLDNETHOLIDAY.COM E-MAIL : [email protected] : 1799 OLD BAYSHORE HIGHWAY, # 288, BURLINGAME, CA 94010 CST#:2079100-40

    A14

    () :1-866-697-9188 :(650)697-9188

    : (2 )!!!

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    210% OFF

    68$216+(10%OFF)

    4-7 ($150)

    * 1 () $58

    * 1 () $78

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    : WWW.WORLDNETHOLIDAY.COM E-MAIL : [email protected] : 1799 OLD BAYSHORE HIGHWAY, # 288, BURLINGAME, CA 94010 CST#:2079100-40

    18901984

    413000

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    VERNAL FALL43610!

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    20111128128

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    : $3,250() $2,000

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  • A15

    San Francisco Toyota ()William Lui

    : 415-592-0828E-mail : [email protected]

    2011SIENNA VAN

    3800 GEARY BLVD. @ 2ND AVE., S.F., CA 94118

    14429 Catalina St., San Leandro, CA 94577

    Francis HoBroker

    Lic #R01242890

    www.fasrealtyinc.com

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

    : 2801 San Bruno Ave., San Francisco, CA 94134 : (415)608-4347: 1752 Clear Lake Ave., Milpitas, CA 95035 : (408)722-2722

    B C-10

    0B

    Ron Ron Moving Co.

    415-585-2615510-504-8666408-482-3088

    Residential & Commercial Local & Long Distance Insured/Bonded

    Expert Packing & Container Services Piano & Organ Moving Specialists Full Services & Low Cost(Min 3hrs)

    23:T185236 7 days a week

    (Ma-rina Bay Sands Hotel and Casino) (Sentosa) (Theme Park) 57A (Sky Park)

    ()

    2002

    CEO

    Clarke Quay (Conference Centers)

    B

    Mountain View Chinese Christian Church

    Chinese Independent Baptist Church of Oakland

    Chinese Hospital

    San Jose Christian Alliance Church

    Dr. Jiayi Li, Gastroenterologist and Hepatologist at Palo Alto Medical Foundation, and adjunct assistant professor at Stanford175 E. Dana St., Mountain View, CA 94041

    Dr. Tony Chen, Internal Medicine and Pulmonology 2360 Mclaughlin Ave., San Jose, CA 95122

    Dr. Hans Yu, Internal Medicine 280 8th St., Oakland, CA 94607

    B B B?

    Herald Cancer Care Network

    Alameda Hep B Free Campaign

    CST #2094711-40

    2850 Quimby Road, Suite#115, San Jose, CA 95148 USATel: 1-408-238-9028 Fax: 1-408-238-9023 CST #2094711-40Website: http://www.winghangtravel.comEmail: [email protected] Skype: winghangtravel

    ** Buy 2 Get 1 or Get 2 Free** Buy 2 Get 1 or Get 2 Free**

    DHHS Region IX Office on Womens Health

  • 1 A16

    (408)375-5033(AGLA)

    1 A16

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    29 4,000

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    3

    Roger YanGeneral ManagerLic # OC22676

    (650)678-6830

    Eva TamSpecial Rep. Manager

    Lic # OE51275

    (415)608-0750

    Simon ChewSpecial Rep. Manager

    Lic # 0752730

    (415)661-3885

    Peter PoAssociate Manager

    Lic # 0C41696

    (408)666-3606

    An HoangAssociate Manager

    Lic # 0C35497

    (408)594-2375

    Thuy NgoAssociate Manager

    Lic # 0G70499

    (408)980-9925

    Thuy NguyenManagement Trainee

    Lic # 0E84837

    (408)655-6417

    Paula LauManagement Trainee

    Lic # 0G63039

    (888)570-0918

    Cona YanManagement Trainee

    Lic # 0F99238

    (415)215-7333

    Joseph BrayGeneral ManagerLic # O444578

    (925)251-0243

    An TranAssociate General Manager

    Lic # OA07622

    (408)623-4896

    Cindy TangAssociate General Manager

    Lic # OC09922

    (415)672-2046

    An TranAssociate General Manager

    Lic # OA07622

    (408)623-4896

    455 Hicky Blvd., Suite 500, Daly City , CA 94015 650-994-6680

    Carol LinManagement Trainee

    Lic # 0G88494

    (650)303-5981

    1 A16

    (AGLA)

    1 A16

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    29 4,000

    50505050

    10

    3

    Roger YanGeneral ManagerLic # OC22676

    (650)678-6830

    Mia WangAssociate Manager

    Lic # OD84526

    (408)318-3108

    Tom NieSpecial Rep. Manager

    Lic # OD61028

    (415)613-0972

    Eva TamSpecial Rep. Manager

    Lic # OE51275

    (415)608-0750

    Simon ChewSpecial Rep. Manager

    Lic # 0752730

    (415)661-3885

    Peter PoAssociate Manager

    Lic # 0C41696

    (408)866-3606

    An HoangAssociate Manager

    Lic # 0C35497

    (408)594-2375

    Steven LiuAssociate Manager

    Lic # 0G20733

    (415)806-9303

    Sandra ChuAssociate Manager

    Lic # 0E39754

    (650)393-9292

    Donna WuAssociate Manager

    Lic # 0G59371

    (415)272-8928

    David DaiAssociate Manager

    Lic # 0G36398

    (415)336-0166

    Thuy NgoAssociate Manager

    Lic # 0G70499

    (408)980-9925

    Sandy ZhaoManagement Trainee

    Lic # 0G09750

    (415)297-8577

    Thuy NguyenManagement Trainee

    Lic # 0E84837

    (408)655-6417

    Paula LauManagement Trainee

    Lic # 0G63039

    (888)570-0918

    Cona YanManagement Trainee

    Lic # 0F99238

    (415)215-7333

    Joseph BrayGeneral ManagerLic # O444578

    (925)251-0243

    An TranAssociate General Manager

    Lic # OA07622

    (408)623-4896

    Cindy TangAssociate General Manager

    Lic # OC09922

    (415)672-2046

    Amie ChanAssociate ManagerLic # OC77674

    (650)200-8669

    An TranAssociate General Manager

    Lic # OA07622

    (408)623-4896

    Timothy YehManagement Trainee

    Lic # 0E49525

    (408)375-5033

    Stephen Saint1951130 (Quito)2006 End of the Spear End of the Spear Stephen Saint

    Stephen Ste-phen1955 Stephen Nate Saint Auca

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    29 4,000

    50505050

    10

    3

    Roger YanGeneral ManagerLic # OC22676

    (650)678-6830

    Mia WangAssociate Manager

    Lic # OD84526

    (408)318-3108

    Tom NieSpecial Rep. Manager

    Lic # OD61028

    (415)613-0972

    Eva TamSpecial Rep. Manager

    Lic # OE51275

    (415)608-0750

    Simon ChewSpecial Rep. Manager

    Lic # 0752730

    (415)661-3885

    Peter PoAssociate Manager

    Lic # 0C41696

    (408)866-3606

    An HoangAssociate Manager

    Lic # 0C35497

    (408)594-2375

    Steven LiuAssociate Manager

    Lic # 0G20733

    (415)806-9303

    Sandra ChuAssociate Manager

    Lic # 0E39754

    (650)393-9292

    Donna WuAssociate Manager

    Lic # 0G59371

    (415)272-8928

    David DaiAssociate Manager

    Lic # 0G36398

    (415)336-0166

    Thuy NgoAssociate Manager

    Lic # 0G70499

    (408)980-9925

    Sandy ZhaoManagement Trainee

    Lic # 0G09750

    (415)297-8577

    Thuy NguyenManagement Trainee

    Lic # 0E84837

    (408)655-6417

    Paula LauManagement Trainee

    Lic # 0G63039

    (888)570-0918

    Cona YanManagement Trainee

    Lic # 0F99238

    (415)215-7333

    Joseph BrayGeneral ManagerLic # O444578

    (925)251-0243

    An TranAssociate General Manager

    Lic # OA07622

    (408)623-4896

    Cindy TangAssociate General Manager

    Lic # OC09922

    (415)672-2046

    Amie ChanAssociate ManagerLic # OC77674

    (650)200-8669

    An TranAssociate General Manager

    Lic # OA07622

    (408)623-4896

    1 A16

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    29 4,000

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    10

    3

    Roger YanGeneral ManagerLic # OC22676

    (650)678-6830

    Mia WangAssociate Manager

    Lic # OD84526

    (408)318-3108

    Tom NieSpecial Rep. Manager

    Lic # OD61028

    (415)613-0972

    Eva TamSpecial Rep. Manager

    Lic # OE51275

    (415)608-0750

    Simon ChewSpecial Rep. Manager

    Lic # 0752730

    (415)661-3885

    Peter PoAssociate Manager

    Lic # 0C41696

    (408)866-3606

    An HoangAssociate Manager

    Lic # 0C35497

    (408)594-2375

    Steven LiuAssociate Manager

    Lic # 0G20733

    (415)806-9303

    Sandra ChuAssociate Manager

    Lic # 0E39754

    (650)393-9292

    Donna WuAssociate Manager

    Lic # 0G59371

    (415)272-8928

    David DaiAssociate Manager

    Lic # 0G36398

    (415)336-0166

    Thuy NgoAssociate Manager

    Lic # 0G70499

    (408)980-9925

    Sandy ZhaoManagement Trainee

    Lic # 0G09750

    (415)297-8577

    Thuy NguyenManagement Trainee

    Lic # 0E84837

    (408)655-6417

    Paula LauManagement Trainee

    Lic # 0G63039

    (888)570-0918

    Cona YanManagement Trainee

    Lic # 0F99238

    (415)215-7333

    Joseph BrayGeneral ManagerLic # O444578

    (925)251-0243

    An TranAssociate General Manager

    Lic # OA07622

    (408)623-4896

    Cindy TangAssociate General Manager

    Lic # OC09922

    (415)672-2046

    Amie ChanAssociate ManagerLic # OC77674

    (650)200-8669

    An TranAssociate General Manager

    Lic # OA07622

    (408)623-4896

    Tom NieSpecial Rep. Manager

    Lic # OD61028

    (415)613-0972

    Sandy ZhaoAssociate Manager

    Lic # 0G09750

    (415)297-8577

    Mia WangAssociate Manager

    Lic # OD84526

    (408)318-3108

    Amie ChanAssociate ManagerLic # OC77674

    (650)200-8669

    Steven LiuAssociate Manager

    Lic # 0G20733

    (415)806-9303

    Timothy YehAssociate Manager

    Lic # 0E49525(408)375-5033

    David DaiAssociate Manager

    Lic # 0G36398

    (415)336-0166

    Sandra ChuAssociate Manager

    Lic # 0E39754

    (650)393-9292

    Kam MaManagement Trainee

    Lic # 0F65348

    (415)341-6268

    2011

    Donna WuAssociate Manager

    Lic # 0G59371

    (415)272-8928

    8

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  • 1 A17

    Critical illness

    Chronic illness

    Life Insurance

    Retirement income

    Terminal illness

    Quality of Life

    !

    /

    William ChowLic#0C30223650-339-9799

    Pauline ChanLic#0H07010415-203-3115

    Sarah YanLic#0H36980510-280-4986

    Yan ChenLic#0H25240415-939-5936

    Uzziah TsuiLic#0H12783415-425-9805

    Paula LauLic#0G63039510-375-8828

    Cona YanLic#0F99238415-215-7333

    Sandra Chu Lic#0E39754650-393-9292

    ? - Sandra:650-393-9292 Sandra20CIAM 2010 No. 1 office

    455 Hickey Blvd., Suite 500, Daly City,CA 94015. Tel:650-393-9292 Fax: 650-994-6682

    A17

    AGLA

    455 Hickey Blvd.,Suite #500, Daly City,CA 94105 4800 Great America Parkway,Suite # 415,Santa Clara,CA 95045

    License! License

    1-877-650-6870 E-mail:[email protected]

    2010320

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  • 1 A18

    510-790-3366

    E-mail: [email protected]. www. Family.cchc.org

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    2003

    (23:4)

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    (11:25-26)

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    0BAge Range Area 2* Area 3* 19 $132 $11720 $133 $11825 $140 $12430 $156 $13835 $187 $16640 $221 $19645 $248 $22050 $303 $26855 $363 $321

    *Area 2: San Mateo, Santa Clara (94303 only) and Sacramento *Area 3: San Francisco, Santa Clara,

    Doctor Visit $ 20 up to 4 times/year Annual Deductible $5000 Prescription Drugs (Generic Only) $10

    ( ) Dental Benefits

    Annual Deductible $25 Cleaning, Exam and X-Rays

    , , X- $ 0 Filling 20% Vision Coverage $50 24-Hour Nurse Telephone Service Hot Line

    *Area 2: San Mateo, Santa Clara (94303 only) and Sacramento*Area 3: San Francisco, Santa Clara

    Doctor Visit $ 20 up to 4 times/year Annual Deductible $5000 Prescription Drugs (Generic Only) $10 ( ) Dental Benefits Annual Deductible $25Cleaning, Exam and X-Rays , , X- $ 0Filling 20%Vision Coverage $5024-Hour Nurse Telephone Service Hot Line

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

    , 241 2.5

    1733 Oldtree Court, San Jose, CA 95131

    408-729-9019 www.capitolvilla.com

    Professional Help, Personal Care.

  • 1 A19

    (401)722-8877 T8p 333RooseveltAv.,Pawtcket,RI02860 (West Windsor, NJ 08550) (917)805-3381 W10:30p

    (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,MD21234Virgina 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,AL35756Nashville (615)337-5145 Su10p 107LyleLane,Nashville,TN37210GoldenWok 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,CO80219Phoenix (480)788-4977 T11p 890WRayRd.,Chandler,AZ85225

    (480)993-9497 W11p 4243WGreenwayRoad,Phoenix,AZ85023Arizona (520)906-9137 W,Su10:30p 1501NSahuaraAve.,Tucson,AZ85712LasVegas (702)368-3688 M11p 5630W.CharlestonBlvd.LasVegas,NV89146 (323)722-8888 T3:30p 869N.WilcoxAve.,Montebello,CA90640Torrance (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,CA91803SanDiego (858)675-8777x121 Su10p 12335WorldTradeDr.,#2-5,SanDiego,CA92128 (951)704-5472 M10p 40184ProvostCt.,Murrieta,CA92563 (661)397-4504 T10p();Sa8p() 203S.HStreet,Bakersfield,CA93304Fresno (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,CA94108SF (415)392-1500 Su8p 925StockonSt.,SanFrancisco,CA94108 W9:30a88 Chinese Restaurant, 15809 Channel St., San Lorenzo, CA 94580 (510)364-5166 M10p 1743DecotoRd.,UnionCity,CA94587 (209)832-5421 T11p 2025SonomaBlvd.,Vallejo,CA94590WalnutCreek (925)933-0112 M10:30p 2460BuenaVistaAve.,WalnutCreek,CA94598Oakland (510)501-3797 Su,Th10:30p 5238thSt.,Oakland,CA94607RohnertPark (707)584-7835 T3:30p 5850CommerceBlvd.,#B,RohnertPark,CA94928 (408)931-3232 W10p 10825NWolfeRd.,#220,Cupertino,CA95014Milpitas (408)206-8443 W10:45p 10DempseyRd.,Milpitas,CA95035Campbell (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:

    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,MD21234Virgina 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,AL35756Nashville (615)337-5145 Su10p 107LyleLane,Nashville,TN37210GoldenWok 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,CO80219Phoenix (480)788-4977 T11p 890WRayRd.,Chandler,AZ85225 (480)993-9497 W11p 4243WGreenwayRoad,Phoenix,AZ85023

    Arizona (520)906-9137 W,Su10:30p 1501NSahuaraAve.,Tucson,AZ85712LasVegas (702)368-3688 M11p 5630W.CharlestonBlvd.LasVegas,NV89146 (323)722-8888 T3:30p 869N.WilcoxAve.,Montebello,CA90640Torrance (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,CA91803SanDiego(858)675-8777x121 Su10p 12335WorldTradeDr.,#2-5,SanDiego,CA92128 (951)704-5472 M10p 40184ProvostCt.,Murrieta,CA92563(661)397-4504T10p();Sa8p() 203S.HStreet,Bakersfield,CA93304Fresno (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,CA94108SF (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,CA94590WalnutCreek (925)933-0112 M10:30p 2460BuenaVistaAve.,WalnutCreek,CA94598Oakland (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,CA95014Milpitas (408)206-8443 W10:45p 10DempseyRd.,Milpitas,CA95035Campbell (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:

    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,MD21234Virgina 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,AL35756Nashville (615)337-5145 Su10p 107LyleLane,Nashville,TN37210GoldenWok 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,CO80219Phoenix (480)788-4977 T11p 890WRayRd.,Chandler,AZ85225 (480)993-9497 W11p 4243WGreenwayRoad,Phoenix,AZ85023

    Arizona (520)906-9137 W,Su10:30p 1501NSahuaraAve.,Tucson,AZ85712LasVegas (702)368-3688 M11p 5630W.CharlestonBlvd.LasVegas,NV89146 (323)722-8888 T3:30p 869N.WilcoxAve.,Montebello,CA90640Torrance (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,CA91803SanDiego(858)675-8777x121 Su10p 12335WorldTradeDr.,#2-5,SanDiego,CA92128 (951)704-5472 M10p 40184ProvostCt.,Murrieta,CA92563(661)397-4504T10p();Sa8p() 203S.HStreet,Bakersfield,CA93304Fresno (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,CA94108SF (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,CA94590WalnutCreek (925)933-0112 M10:30p 2460BuenaVistaAve.,WalnutCreek,CA94598Oakland (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,CA95014Milpitas (408)206-8443 W10:45p 10DempseyRd.,Milpitas,CA95035Campbell (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, CA950541-408-986-8584

    1-408-986-8581

    www.heraldrgm.org (Grace Lee)Amen Tang)

    (Police siren sounds, Driver pulls over and stops on the right side of the road and waits)( )Driver: Sir, is something wrong?: Police: Did you know how fast you were going?Driver: Im sorry, but I didnt.Police: The speed limit is 35 mph and I clocked your speed at 58mph.3558Driver: No way! Police: I aimed my radar at you as you were coming down the bridge.Driver: Ive never driven that fast before.Police: Are you late?Driver: Yes, butPolice: Usually people speed when they are late. I need your drivers license and proof of insurance, please. I will get you out of here as soon as I can.Driver: Okay, thanks.

    1

    4988 Paseo Padre Parkway Fremont CA 94555

    Tel:510-818-9883

    1

    12

    1

  • 1 A20

    a+b+c+d+*0=0

    5

    2004411

    1

  • 1 B1

    Dublin East: 4288 Dublin Blvd, #206 Dublin West: 7485 Village Parkway

    Christian Preschool Afterschool Academic/Enrichment

    . . . . . . . . . . . . . . . . . . . .

    cchcSF

    P.O.Box 1047, Oakland, CA 94604-1047510 625 8881510.893.3220

    [email protected]

    FaxEmail

    Thomas Lam Chinese Christian Herald Crusades Advertising Accounts Manager

    Cell

    TGiF

    Thank God its Friday

    Twitter, Google, iPhone, Facebook!

    Facebook

    YouTube

    SkypeGmail phone

    FacebookJustAnotherFlutistYouTube

    TwitterTumblr

    Facebook

    text message

    text message

    1

    TGIF

    Think outside the box

    1834

    1

    180

    180

    180

    1

  • B2

    %DQDQD/HDI40$50 (536510-893-3210)

    Julie

    JulieJulie

    Stephen

    Tony

    MonicaFITMonicaMonica

    DIY (Do it Yourself)20

    DIY

  • B3

    Imperial Seafood Restaurant1680-G Willow Pass Road Concord, CA 94520 925-825-1318www.ImperialSeafoodRestaurant.com FAX: 925-825-1038

    11:00am-9:30pm 10:00am-9:30pm

    70

    3:00pm ~ 6:30pm

    $ 4.75 $ 5.50

    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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    : XO

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    $39.80/ ()

    ()

    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

    20102011131 1980

    2010 1970 2008 2008 37 34 20

    1970 600 1 / 3 5 30

    20106

    1

    30 60

    2

    8SalmonTilipaiTrout

    Tile fishSharkKing MackerelSwordfish

    Potassium -

    2010 4700 800 400 422 3400 350 422 496

    Dietary Fiber - 25 38 15

    6 5 3 3 3 39

    Calcium - 9

    D - DPomfretTunaDD

    2010

    (62010)

    :

    :

  • 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

    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

    License #: 01822178

    GRI, CDPE GRI - Graduate Realtor Institute CDPE -

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

    !

    :

    License #713937

    (510) 839-2191 (415) 822-5509117 E. 16th Street Oakland, CA 94606

    web : www.bestroofingca.com

    27

    (Anti-Steering)

    :

    1)

    (Consumer-Paid Compensation)

    2) (Lender-Paid

    Compensation)

    1)

    2)

    (Origination Fee &

    Discount Point)

    3)

    -

    Esther Man:

    (

    Metlife) NAMB (

    )

    41

    45

    NAMB

    1

    MIMI DU ()

    FremontNewarkUnion CitySan JoseCupertinoSunnyvaleSanta ClaraMountain ViewPalo Alto

    RE License #01304977

    :408-307-4489 :[email protected] World SVI Group

    DRE#: 01075397

    Email: [email protected]: www.EllenOsmundson.com

    (925) 939-7460 direct, (925) 890-4276 cell2005 Mt. Diablo Blvd., Walnut Creek, CA 94596

    English - Mandarin - CantoneseELLEN OSMUNDSON

    DRE#: 01075397

    Email: [email protected]: www.EllenOsmundson.com

    (925) 939-7460 direct, (925) 890-4276 cell2005 Mt. Diablo Blvd., Walnut Creek, CA 94596

    English - Mandarin - CantoneseELLEN OSMUNDSON

    DRE#: 01075397

    Email: [email protected]: www.EllenOsmundson.com

    (925) 939-7460 direct, (925) 890-4276 cell2005 Mt. Diablo Blvd., Walnut Creek, CA 94596

    English - Mandarin - CantoneseELLEN OSMUNDSON

    DRE#: 01075397

    Email: [email protected]: www.EllenOsmundson.com

    (925) 939-7460 direct, (925) 890-4276 cell2005 Mt. Diablo Blvd., Walnut Creek, CA 94596

    English - Mandarin - CantoneseELLEN OSMUNDSON

    20480 Pacifica Dr., # A, Cupertino, CA 95014

    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

    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

    8881 Consulting Tel: 510-625-8881 Fax: 510-444-8881E-mail: [email protected]

    Sales Agent Dre# 01822527

    K e l l y L a u

    < < 4 : 6 > >

    Norman Tang

    (

    )

    5%

    5%

    (Vivian Chan )2007

    (

    )

    Soft Story

    R1(ONE)

    R3

    (Single Family)

    Northridge

    2011

    1

    4

    (Derek Kam, ) ()

  • 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-reading2010 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-reading2010 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-reading2010 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 (

    )/ (

    )

    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-reading2010 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-reading2010 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 (

    )/ (

    )

    Section 8 90

    Section 8 (

    ) 1

    1

    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

    ,,, , ,

    Pleasanton 3245Dublin 4233,Alameda 2125Oakland, San Leandro, Hayward, Castro Valley

    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 dat