號角月報 美西北版 2011年 十月份

40
貴州遊記 A14 辛亥革命100週年 A17版 新增汽車天地版 B7 MCC買屋優惠 B4版 內容豐富健康,與您息息相關 CA 941 PRESORTED STD 文千歲的粵劇舞台 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 10 October www.cchcsf.org 536 世界衛生組織指出,思覺失調 (Early Psychosis)患者主要是 15至25歲的年青人。思覺失調 是指患者在思想及感覺上都出 現了問題。嚴重情況下更可能 與現實處境脫節。就好像大病 前的發燒一樣,初期病患者在 日常生活中已顯露變化。思覺 失調患者的邏輯跟現實偏離。 睡眠或飲食習慣失調、幻聽 (Auditory Hallucination)、 幻視 (Visual Hallucination) ,和妄想 (Delusion)。都是 思覺失調的跡象。如不及早醫 治,可能發展成精神分裂症或 其他重型精神病。 調 有時患者在沒有任何事實依據的情況下,堅信有人要加害於他。有時患者可能服從幻聽的命令,而導致危險發生。 許多人因此害怕這些精神疾病。有人甚至以為,思覺失調會傳染。事實上,思覺失調是一種疾病,問題出現在人的大腦發生故障。大部分患者 經藥物、輔導和心理療法後均可復元。近年研究更指出宗教信仰可以保護心理健康。 思覺失調主要症狀包括﹕ 1) 思想及言語紊亂 (Disorganized Thoughts and Speech) -- 談話內容貧乏、 缺乏主題、雜亂無章、語無倫次,以致別人難以明白理解。 2) 妄想 -- 不符合事實的錯誤信念而成的錯誤思想。 3) 幻覺 -- 看到、聽到或感覺一些不存在的影像或聲音。 思覺失調每年的新症發病率約每年在每一萬人中會有5個新發現的個案。目前全球約有2%人口有類似病症。一般人誤以為精神病患者有暴力傾 向,或擁有雙重人格。但其實思覺失調是一種腦部疾病,較大機會發生於青少年身上。 由於初期病症 (諸如情緒低落與脾氣暴躁等) 並不明顯, 跟一般情緒問題相似。 對這一疾病的了解是必要的。當病情惡化, 病人會出現思緒紊亂,影響學業或工作表 現。更嚴重的是,患者可能失去自理能力, 亦可能走上自殺之路。 思覺失調的成因至今尚未完全明確。像所有 的疾病一樣,病因包括生理 (Biological)、 心理與環境 (Psychosocial) 因素的互相影 響。 生理因素 (Biological Factors) 1) 毫無疑問,遺傳基因能增加思覺失調的 風險。近親患有精神病能大大提高患思覺失 調的機會。約有三成的患者有精神病的家族 史。 2) 母親在懷孕接觸到病毒會導致腦部不正 常的發育。 3) 患者腦內負責傳遞訊息的多巴胺 (Dopa- mine) 失去平衡。 4) 腦部缺氧或腦創傷與思覺失調是息息相 關的。 5) 使用大麻、軟性藥物及酗酒會令患思覺 失調的風險倍增。 心理與環境因素 (Psychosocial Fac- tors) 1) 意外事故或重大轉變帶來的壓力,能加 快思覺失調的發展。 2) 轉變環境時,如成為新移民、被社會排 斥/不被接納。 3) 受其他人的歧視。 思覺失調病發的階段可分 1) 潛伏期 (Prodromal Phase); 2) 活躍期 (Active Phase); 3) 康復期(Recovery Phase)。 每個階段所持續的時間會因人而異。 潛伏期 (Prodromal Phase) 許多研究一致認為這階段出現的症狀並不 容易識別。社交退縮和負面情緒是比較明顯 的症狀, 平均於發病兩年前出現。症狀發生 於青春期後,通常持續一至數年左右。抑鬱, 焦慮,和睡眠問題,開始打擾患者。家人通 常因為患者情緒不穩而意識到病情。 據接受研究採訪的患者描述,潛伏期的困境 包括﹕ 1) 對自我的迷惑 -- 「我是誰?」「我完全 迷失了自己,不得不提醒我關於我是誰。」 「感覺就像一個旁觀者。」 2) 全神貫注於不切實際的想法 -- 「我沉 迷於審議自己內心世界的不好。」「“我冥 想符號, 輪迴,生命到來的神秘主義。」 3) 負面情緒 -- 煩躁, 恐慌, 不穩定的情 緒。 4) 思想難以集中 -- 「我聽到有人笑我。 」「世界是由外星人擁有。」「我很痛苦, 我 大腦已死。」 研究更指出潛伏期患者可能逃學、離開大學 或工作。患者亦可能失去自理能力,終日將 自己困在家中,與社會隔絕。久而久之,家 屬對患者的怪異行為和情緒不穩變得麻木。 由於延誤醫治, 病情更能進一步的加深。 活躍期 (Active Phase) 一旦患者完全相信他們的妄想,他們已經 越過門檻,進入思覺失調的活躍期。 患者由 於思想和感覺不正常而出現各種行為或情緒 上的轉變。 他們開始失眠、自言自語、和出 現幻聽和幻覺。由於幻聽很多是對患者的惡 意批評,嚴重者甚至會做出自殘或傷害別人 的行為。 不少的思覺失調病人更需要住院觀 察。 我在精神科急診科(Psychiatric Emergen- cy)當值時,警方把一個衣冠不整的年輕男 子交給我。警察說此人於十字路口上不停地 跳舞和唱歌,幾乎釀成交通意外。當意識到 他說話胡言亂語,警方變得關注他的精神狀 態。警察也不知道他是誰,因他忘了自己的 名字,年齡,地址。在急診房間內,這個年 輕人繼續指天篤地、手舞足蹈、表情多多。 突然,他目不轉睛的盯著天花板多達十分 鐘。接下來,他閉著眼睛大叫﹕「天使正在 祝福我!」,他說他看到他周圍全是天使,然 後盯著我說﹕「魔鬼,魔鬼,你死吧!」我關 上了門後才發現患者手上持有一把小刀。 為什麼他會患上思覺失調? 他濫用毒品或 酗酒 (Illicit Drugs or Alcohol Abuse)? 他因為生理疾病(Medical Diseases) 而精神 錯亂,影響大腦的運作?或是他患有精神上的 疾病 (Psychiatric Diseases)? 這三個可能 性並不是相互排斥,都會產生思覺失調的症 狀。 濫用毒品或酗酒 (Illicit Drugs or Alcohol Abuse) 毒品和酒精都能導致成癮,濫用更能引起 精神混亂和其他異常行為。一研究發現,大 約三分之一的大學生曾經酗酒和濫用酒精。 從我的臨床經驗,不少大學生更濫用違禁藥 物,如可卡因(Cocaine)、安非他命 (Amphet- amine) 或大麻 (Marijuana)。 現已有證據顯示使用大麻,尤其在青少年期 頻密使用,會令患思覺失調的風險倍增。其 他軟性藥物及酗酒亦可引致一些思覺失調症 狀,又或令精神病的病情惡化。 我記得在醫學院當學生時,教授告訴我們老 年人甚少酗酒和濫用非法藥品。可是,當我 成為一名精神科醫生後,我發現事實可能並 非如此。在加州,警察或專業人員可以強制 任何因為精神異常有傷害自己、他人,或具 有嚴重殘障的人,接受72小時病情評定和精 神治療(72-hour hold)。其中,不少老人家 (26.7%)是因為酗酒和濫用藥物的緣故而演變 成精神異常。這百分比和其他年齡組別是沒 有什麼不同的。 筆者曾於2010年在醫院精神科學術期刊發表 一研究報告,這研究表明,嬰兒潮一代經歷 嬉皮世代伍德斯托克 (Woodstock)毒品洗禮, 相信大麻和LSD是「可以接受的非法藥物」。 但是,許多案例證明,長期使用會導致精神 異常。藥物濫用是不分經濟、種族、性別或 年齡的限制。濫用毒品或酗酒絕對能引致思 覺失調並加深病情! 生理疾病 (Medical Diseases) 研究表明有100多種生理疾病能偽裝成思覺 失調的狀況。常見的罪魁禍首包括不正常的 甲狀腺 (Abnormal Thyroid)。例如,甲狀腺功 能減退 (Hypothyroidism) 能導致抑鬱。 過 度活躍的甲狀腺 (Hyperthyroidism) 能導致 焦慮和情緒不穩。 除了癲癇、創傷性腦損傷(Traumatic Brain Injury)、失智症(Dementia)、腦腫瘤 (Brain Tumor)、肝功能衰竭 (Liver Failure)、性病 (Venereal Disease 尤其 HIV or Neurosyph- ilis)、細菌或病毒感染(Bacterial or Viral Infection)等等,也能導致思覺失調。許多 藥物, 如類固醇 (Steroid),也列出思覺失調 或情緒變化為他們的副作用。所以正確的診 斷,有助於病人可以藥到病除,節省數月的 無效治療。 (接下頁) 一位患有思覺失調潛伏期的大學生 告訴我﹕「幾個月前我首先注意到我的 世界慢慢不同,周圍的一切都有微妙的 變化。我的書看起來像微粒,我很難再 集中讀書。」她原本是一個非常勤奮的 學生,每一個學期GPA都是4.0。現在, 「“我很害怕做功課,我好像忘記了我 的英文。」(即使英語是她的母語。) 她 越來越少找她的好友,「我知道我講話 不清楚,他們不會明白我的。」(雖然她 是辯論隊的王牌。)她告訴我﹕「胡醫 ,我是沒有養貓的,但我近來經常 看到一頭貓住在我家。」她也有輕度幻 覺﹕「我在你這裡聽到風聲。」據研究 顯示,約四成的思覺失調患會從潛伏期 演進至活躍期的階段。 「我吸毒才會思覺失調,只要不吸便 OK!」一名16歲起吸毒的大一學生對我 說。但是,毒品會刺激大腦製造大量多 巴胺,從而引起思覺失調症狀,包括幻 聽、妄想被逼害、判斷力下降等,長期 吸食者會損害大腦功能,讓認知(Execu- tive Functioning)、記憶 (Memory) 及 集中力 (Concentration)均下降,絕對 不是「不吸便OK」。我相信這學生有很 大的機會不能畢業。 一位剛畢業的研究生找到了夢寐以求 的工作。不久,因為他很容易生氣、憤 怒,他被解僱了。他的未婚妻意識到這 不是慣常的他,所以帶他來求醫。研究 生說﹕「我經常感到腦袋準備爆炸。」 由於脾氣和性格改變太過不尋常,我決 定替他照腦。腦部磁力共振掃描 (Brain MRI) 顯示腦部顳葉 (Temporal Lobe) 異 常。腦電圖 (EEG) 證實顳葉癲癇 (Tem- poral Lobe Epilepsy)。 癲癇並不是 一種精神疾病,卻有思覺失調的症狀如 幻聽和幻視。它是由於大腦神經細胞過 度放電,而致大腦失去正常功能。症狀 會反覆發作,患者發作時會意識不清或 行為改變。癲癇是可以用手術 (Neuro- surgery) 或抗痙攣藥物 (Anti-Seizure Medication) 治療。如使用思覺失調藥 (Antipsychotic) 的話,顳葉癲癇引起 的幻視和幻聽可能更頻繁 。 作者簡介﹕胡啟贇醫生(Ben- jamin Woo, M.D.)現任洛杉 磯加大(UCLA)醫學院助理臨 床教授及主治醫師。榮獲07 年美國國家衛生研究院(NIH) 醫師獎,並出版過20份研究 論文。

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  • A14 100 A17

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    PRESORTED STD

    (Early Psychosis)1525 (Auditory Hallucination) (Visual Hallucination) (Delusion)

    1) (Disorganized Thoughts and Speech) --

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    3) --

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    ()

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    1)

    2)

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    LSD

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    100

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    (Execu-

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    (Brain

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    ,

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    85

    FriendshipAgapChurchisconvenientlylocatedinSouthSanJose(nearLosGatos)offofHighway85.

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    85

    FriendshipAgapChurchisconvenientlylocatedinSouthSanJose(nearLosGatos)offofHighway85.

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    The vision of Friendship Agap Church

    .

    To be a Chinese-American Church in Silicon Valley,

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    .... Friendship Agap Church Offers

    A Fresh Expression of Gods Love for You! Sharing the joy of Christian living Enjoying contemporary and traditional music Learning practical, helpful lessons from the Bible Nurturing children with love and bible truth Your whole family worship together in a bi lingual worship service.

    Sunday Gathering

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    10:0010:00

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    11:10

    How to find us:

    85Friendship Agap Church is conveniently located in South San Jose (near Los Gatos) off of Highway 85.

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    85

    FriendshipAgapChurchisconvenientlylocatedinSouthSanJose(nearLosGatos)offofHighway85.

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    11:10 Howtofindus:

    85

    FriendshipAgapChurchisconvenientlylocatedinSouthSanJose(nearLosGatos)offofHighway85.

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    Thereisaspecialchurchforspecialpeoplelikeyou!

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    .

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    AFreshExpressionofGodsLoveforYou!

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    Nurturingchildrenwithloveandbibletruth

    Yourwholefamilyworshiptogetherinabilingualworshipservice.

    SundayGathering Worship

    11:10 / 12:30

    Adult SundaySchool 10:00 10:00

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    11:10 Howtofindus:

    85

    FriendshipAgapChurchisconvenientlylocatedinSouthSanJose(nearLosGatos)offofHighway85.

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    AtFriendshipAgapChurch,therearenostrangersonlynewfriends.

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    Yourwholefamilyworshiptogetherinabilingualworshipservice.

    SundayGathering Worship

    11:10 / 12:30

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    85

    FriendshipAgapChurchisconvenientlylocatedinSouthSanJose(nearLosGatos)offofHighway85.

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    RIVER OF LIFE CHRISTIAN CHURCH

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  • A12 A11

    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

    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 Francisco,CA 94122

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

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    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 1

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

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    5

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    () :(), ()9:15am/ 11:00am 9:15am 11:00am

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    6

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

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    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

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    www.hoc.org

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    1. 10186-7 () Paul Zhang

    2. 10248-9 () Otto LinAM 1450 www.cchcRadio.org

    3. Santa Clara Valley Med-ical Center (751 S. Bascom Ave., San Jose, CA 95128), Valley Specialty Center (Building Q) Sobrato Cancer CenterB10108102210:00-11:30

    4. - / 20111029 9 AM 3 PM Sunnyvale Senior Center, 550 E Remington Dr., Sunny-vale, CA 94087200

    (408) 986-8584103cancer.cchc.org

    1029()113 (3288 Pierce St., Richmond, CA 94804) [email protected]

    ,,,Recovered,,,

    : 10/287:30(658 Gibraltar Ct. Milpitas, CA95035) :408-586-8688 :www.crosspointchurchsv.org10/29 7:30 (3638 Lawton Street, SF, CA94122):415-665-5550 :www.sunsetchurchsf.org/Chinese

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    20111112() Fremont Chinese Evangelical Church, 505 Driscoll Rd., Fremont, CA 94539

    2010www.ficfellowship.org

    1028i)ii)iii)

    20111028 () 11 (3288 Pierce St. Suite M138, Richmond, CA 94804)510-758-7324 ()510-526-5304 ()[email protected] ()[email protected] ()

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    : 4021 California St/2nd Ave. SF CA 94118: 415-221-7115 (11:00-4:00); 650-872-2563 (6:00)

    7

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    /1524 Powell Street, San Francisco, CA 94133

    : 415-982-0225

    1150 Cabrillo Street, San Francisco, CA 94118

    : 415-831-2313

    (1) 1524(2) 1150 Cabrillo St.

    : : ? () : 37365 Centralmont Place, Fremont, CA 94536Website: http://www.cibcfremont.org: (510)796-0114

    1029;2012?: 201110297830 : 1630 Grant Street, Concord, CA 94520 (Concord): (925)686-5678 :

    ;?,:().: 3635 (Lawton). 415-665-3332

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    7:30pm http://cccacoutreach.blogspot.com/

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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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    ::

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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

    :::

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

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

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

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    Berkeley Chinese Baptist Church: :

    :

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

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

    : 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

    1 unit 2.9" x 2"

    $ 48

    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

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    Oakland, CA 94610

    510-336-1908

    www.EastBayAlliance.org

    201157

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

    (925) 225-9888 www.bapec.us

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    (1:28)

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

    306 W. Eaton Ave., Tracy, CA [email protected]

    S p r i n g V a l l e y C h i n e s e C h r i s t i a n C h u r c h

    Fremont F i r s t Ch inese UMC2856 Washington Blvd., Fremont, CA 94539

    680Washington Blvd

    : 10

    :

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

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    : 9 10 45

    505 Driscoll Road, Fremont, CA 94539(Bridges Community Church C 300)

    :

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

    28 1012 1) 2) (812)

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

    Maranatha Christian Church

    ::

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    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

    8900 Double Diamond Pkwy., Reno, NV 89521(775) 828-4223 www.icacreno.org [email protected]

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

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    : ****

    : 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

    Chinese Independent Baptist Church

    280 Eighth Street, Oakland, CA 94607

    . . .

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    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

    !

    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

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    (closing date) pro-rate

    Title

    Insurance

    ()

    REMAX

    Margaret Kelly

    30

    5%

    4%

    8 6 5

    (

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    3

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    14

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    Notice of Sale ()

    5

    (

    )

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    14429 Catalina St., San Leandro, CA 94577

    Francis HoBroker

    Lic #R01242890

    www.fasrealtyinc.com

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

    CALHFAKeep Your Home

    California ()

    3(

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    36

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    http://www.keepyourhomecalifornia.org/

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    ()

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    Derek Kam Sr. Mortgage Loan Officer/Vice President Office: 650.867.8475 Cell:510.676.8883 [email protected]

    ( )

    ( )

    CRA#007780

    WILLIE LEUNG APPRAISAL SERVICE

    415-608-9680 650-878-1947

    CRA#007780

    415-608-9680 650-878-1947

    WILLIE LEUNG APPRAISAL SERVICE

  • 1 A16

    Donna WuASSOCIATE MANAGER

    CA LICENSE 0G59371(415) 272-8928

    Sandra ChuASSOCIATE MANAGER

    CA LICENSE 0E39754 (650) 393-9292

    Timothy YehASSOCIATE MANAGER

    CA LICENSE 0E49525(408) 375-5033

    David DaiASSOCIATE GENERAL MANAGER

    CA LICENSE 0G36398 (415) 336-0166

    DALY CITY OFFICE455 Hickey Boulevard, Suite 500

    Daly City, CA 94015(650) 994-6679

    SAN JOSE OFFICE2001 Gateway Place, Suite 201E

    San Jose, CA 95110(408) 392-0831

    Yan ChenCA LICENSE 0H25240

    (415) 939-5936

    Paula LauCA LICENSE 0G63039

    (510) 375-8828

    Cona YanCA LICENSE 0F99238

    (415) 215-7333

    Alice ChuCA LICENSE 0G77724

    (510) 513-9336

    Cindy LiuCA LICENSE 0H39556

    (650) 799-6796

    Joanne WanCA LICENSE 0G46137

    (415) 867-7748

    ROP QoL* 100% * * ROP()*

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  • 1 A17

    Peter PoAssociate Manager

    CA LICENSE 0C41696 (408) 666-3606

    Helen HouCA LICENSE 0 D49798

    (408) 678-0718

    Lily TanCA LICENSE 0E43351

    (408) 839-8596

    Rosa LiCA LICENSE 0G96082

    (408) 219-0139

    :

    ? , , , .

    Peter Po 408.666.3606

    : 2001 Gateway Blvd Ste 201E, San Jose, CA408.392.0831 Phone

    408.392.0837 Fax

    : 455 Hickey Blvd Ste 500, Daly City, CA650.994.6680 Phone

    650.994.6682 Fax

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    510-790-3366

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

    510-893-32101-888-663-85859:00am5:00pm

    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.

    HFRC Out-shine Your Anger Anger Management Class Series

    8/88/22 and 9/12 () 7 9 pm

    39155 Liberty St., Fremont, CA 94538

    Fremont Family Resource Center

    HFRC

    KaiserPermanenteEmail:[email protected]

    Website: http://family.cchc.org

    (510) 790-3366

    ,

    2003

    14,700

    5,700

    2010

    14,200, 5,200

    2003

    95%

    22.5

    E

    96% 97%

    ,

    30%-60%

    408986-8584

    http://

    cancer.cchc.org

    510-893-3210

    1-

    888-663-85859:00am

    5:00pm

    1

    1

    Herald Cares (Herald Interna-

    tional)

    9253-5Silicon

    Valley Christian Assembly, 3131 Bowers Ave., Santa

    Clara, CA 95054,

    408986-85849

    .

    1.

    2. 510-790-3366

    3.

    4.,

    5.

    HFRC

    - -

    :1) "" PO Box 1047, Oakland CA 94604-1047 2) http://www.heraldcancercare.org/books3) : 536-8th Street, Oakland, CA 94607

    : 510-893-32101. : 536-8th Street, Oakland, CA 94607

    2. P.O.Box 1047, Oakland, CA 94604-1047

    3. Paypal : http://www.heraldcancercare.org/books/book-order

  • 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:

    20

    20

    2

    4988 Paseo Padre Parkway Fremont CA 94555Tel:510-818-9883

    (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

    (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)516-5605Su3p,10:30pW10:30p301RiversideDr.,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:

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

    2 A19

    Briefing

    2

    Fire flower

    2

    90

    Chronicle

  • 1 A20

    60

    50

    20( vowel consonant) (Mas-ter Key)

    20

    www.petrosbookroom.org

    20

    2

    1

    7

    1960 :

    1972 .

    1986 1501991

    1992 1960

    2005

    2006 (Field Study)

    2010

    petros Pe-

    ter

    1954

    57

    30 2

  • 1 B1

    Financial Aid !

    1. Financial Aid 2. Financial Aid 3.

    : 4 0 8 . 2 4 2 . 6 3 6 5

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

    Christian Preschool Afterschool Academic/Enrichment

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

    Finite Math

    [email protected]

    80

    --Rachel Nghe

    2

    1011 - SAT

    -

    -

    - 20

    (Daniel Chin) DanielUC BerkeleyBerkeleyACISAT

    48161022$400

    SAT510-893-3210

    4

    -- Wilson Lam

    7298121410-12

    ..

    -- Cynthia Chu ()

    -- Emily Hoang

  • 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

    Fu-sion Fusion Taco Pizza () Fusion

    Fusion Fusion Fusion

    Fusion Fusion Fusion

    Fusion Fusion Fusion

    FUSION:1. 1 2. 2 3. 2 4. 1 5. 1 6. 1/2

    : 1. 1 2. 2 3. 1/2

    : 1. 2. 3 3.3

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    : 1. 2. 3. 1. 2. 6 30 3.

    Extra firm 1 (16) 2 1 1/2 1/4 1/4 (coleslaw mix) 4 6 2 1 1/2

    350 cooking spray30

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    1

  • B3

    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

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    $98

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

    $268

    ()()

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    $188

    $98

    ()()

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    $39.80/ ()

    ()

    $21.99

    1680-G Willow Pass Rd., Concord,CA 94520

    99

    Imperial SEAFOOD RESTAURANT (925)825-1318 (925)825-1038www.ImperialSeafoodRestaurant.com

    40

    8()

    2010

    Monounsatu-rated Fat(Polyunsatu-rated Fat)(Saturated Fat)(Trans Fat/Hydrogenated Fat)Omega 3Fatty AcidsCholesterolTriglyc-eride

    1(Saturated Fat)

    (Palm Oil)9%10%6%5%

    2 Monounsaturated Fat

    3 (Polyunsaturated Fat)

    4 (Trans Fat/Hydrogenated Fat)

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    (Nutrition Fact)(Trans Fat)(Total Fat) (Ingredients List)(Hydrogenated Oil) (Partial-ly Hydrogenated Oil)

    5Omega 3Fatty Acids

    Omega-3Omega-3Omega-3Omega-3

    6Cholesterol

    300215

    7Triglyceride

    Triglyceridetriacylglycerolstriacylglycerides

    2010OMEGA3

    216

    B3

    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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  • 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

    Simon Kim Lee

    Tel : 650-483-8250

    50

    NMLS # 323481

    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

    (MORTGAGE CREDIT CERTIFI-

    CATE)MCC

    (

    )

    (Tax Credit)

    15% (Contra Costa

    20%)

    (Tax Deduction)

    15%20%

    $13,750

    MCC$13750

    15%$2,062(TAX CREDIT)

    ($13,750) $2,062

    ($11,688),MCC

    $2,000

    MCC

    14429 Catalina St., San Leandro, CA 94577

    Francis HoBroker

    Lic #R01242890

    www.fasrealtyinc.com

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

    MCC

    MCC

    (PARTICIPATING LENDER)

    MCC

    MCC

    $676,478

    Non-Target Area

    $129,000

    $158,340

    Contra Costa ($665,088):

    Non-Target Area

    $110,760

    $129,220

    Alameda ($592,765):

    Non-Target Area

    $82,200

    $94,530

    MCC(COUNTY)

    MCC

    http://www.sfgov.org/site/moh_

    page.asp?id=48040

    CONTRA COSTAhttp://www.ccreach.org/

    ccc_publicFinance/mcc.cfm

    ALAMEDA http://www.acgov.org/cda/mcc_

    program/

    SANTA CLARA http://www.sccgov.org/

    portal/site/oah

    San Mateo http://www.co.sanmateo.

    ca.us/Attachments/housingdepartment/

    PDFS/firsttime_hb_chart_032011.pdf

    1

    Santa Clara ($570,000):

    Non-Target Area

    $103,500

    $119,025

    Santa Mateo ($663,309):

    Non-Target Area

    $99,400

    $114,310

    MCC

    Reissued MCCRMCC

    MCC

    MCC

    A6

    BankofAmerica

    Derek Kam Sr. Mortgage Loan Officer/Vice President Office: 650.867.8475 Cell:510.676.8883 [email protected]

    ( )

    ( )

    CRA#007780

    WILLIE LEUNG APPRAISAL SERVICE

    415-608-9680 650-878-1947

    1027()

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    91

    $20

    510-893-3210 415-759-3602

    :

    -

    -

    - 1031121

    Simon Kim Lee

    Lic. # 0G69196

    Tel : 415-368-6281

    199 California Dr., Suite # 200, Millbrae, CA 94030

  • 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: edyum@y