B01 B02 B03 B04 B05 B06 B07 B08 B09 B10

B11 B12 B13 B14 B15 B16 B17 B18 B19 B20

(Christmas, December 25th) (paid vacation) (skiing) (snowman) (vacation house) (Christmas Tree) (Santa Claus) (Jesus Christ) () (Before Christ) (Anno Domini - ) (Bethlehem)

(M e r r y CHRISTmas) (Christmas is the season of sharing) (Merry CHRISTmas) (Happy Holidays)

15

?(Easter) (Spring Break) (redemption)

?

- 10

-- A8 www.cchcsf.org

( - 17)

B02

19 20

6

15 ( )

Little Hong Kong Restaurant 11 9 10443 San Pablo Avenue, El Cerrito510-524-0888

-

Restaurant Peony

PacificRenaissancePlaze,Suite2883889thStreet,Oakland,CA94607 Tel:(510)286-8866

YING KEE RESTAURAN(BUFFET ) , 5%; /, , ; , ; $5.25()

3 - 9:30PM, $15.00,

10%!

: 387 9t h St reet () , O akland, CA 94607: 9:30AM - 9:30 PM :

510-465-1888

Banana Leaf -

Dine In Take Out Caterinwww.catering-ohana.com 10% off Family Dinnerw/ Ad Exp 11/30/09 1933 Davis Street, Ste 135A,, San Leandro, CA 94577 (510)-383-9898

Evergreen Garden Restaurant Vietnamese Cuisine3100 18th Street (At Corner of Harrison) San Francisco, CA 94110 (415) 621-8531 Monday-Saturday, 11:00AM-10:00PM Open Lunch & Dinner

-

Ohana Hawaiian BBQ

Alohana Hawaiian Grill15555 E 14th Street, Ste 319, San Leandro, CA 94578 (510)-481-8888

New Items: $3.95 $4.95 $1.75

B03

8:00pm-9:00pm AM1450:1-415-543-8255 www.cchcRadio.org

()

()

36 48 , 4842 4 7 (8:8) (2221)

100-12510,000 (HBV) HBV 5-10%H B V5 HBV HBV 80% HBV 25% HBV 35 65 30

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2009 9-1111-1

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4 HBV 1 (5:7 )

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Edward Zhao, DDS 450 Sutter Street, Suite 1640, San Francisco, CA 94108 415-956-7744

B04

() loan modification 98 2009 10 11 1 5 ( ) (Preapproval Letter) (Credit Score) 2010 (Median Price) 3.3 28 2.3 52 7 5 ()

() -- Multiple Offer) Offer 5% 20% 5 Offer (Counter-Offer) (Short Sale) (REO Bank Owned)

Offer (Concession) 10 1-3% (Back-Up Position) 6 (As Is)*

Agent

(Dual Agent) DA-11 DA-11 40 Agent 35 Agent 38 AS IS AS IS AS IS (contingency clause) (Toxic Mold)

*

() Rain Carter 70 50 20 (Agency Relationship Disclosure)

7 Rain Carter

Listing Open House

AS IS?AS IS AS IS AS IS

MORTGAGE CENTER CORP. 199 California Drive, Suite 200 Millbrae, California 94030 Direct: 650-259-0386 Cell:650-483-8250 Tel: 650-652-9000 Fax:650-652-9811

Simon Kim LeeBroker DRE Lic#00898196

Email:

Real Estate Financing Of All Types of Properties Since 1983

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

, !

(SHORT SALE)

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

B05

...

680 580 OAKLAND SAN JOSE TRI-VALLEY http://www.ci.dublin.ca.us/pdf/Packet7-28-09.pdf http://www.ci.dublin.ca.us/ DepartmentSubLevel2.cfm?PL=exp&SL=comdev&dsplyID=425 2. (Below-Market Priced Homes) Dublin BMR http://www.ci.dublin.ca.us/DepartmentSubLevel2.cfm? PL=exp&SL=comdev&dsplyID=1241 6 http:// www.ci.dublin.ca.us/DepartmentSubLevel2.cfm? PL=exp&SL=comdev&dsplyID=1242

2 6 SIDING 1 4 104% 1 SIDING 1 4 1 5 102.2% 98.5% 94.6%(ATTIC) 93.5%

CITY OF PLEASANTONPleasanton 1. (Down Payment Assistance Program) 2-6 3.5% 6 10 3 3 10 10 3 http://www.ci.pleasanton.ca.us/pdf/hsg-dpa-brochure.pdf http://www.ci.pleasanton.ca.us/community/ housing/ 2. (Below-Market Priced Homes) Pleasanton 10 20

CITY OF SAN RAMON CONTRA COSTA COUNTY American Down Payment Initiative (ADDI) 6% http://www.ci.antioch.ca.us/CitySvcs/ CDBGdocs/County-Flyer.pdf

TOWN OF DANVILLE (MODERATE INCOME UNIT) 35 43 20 10 3 http://www.ci.danville.ca.us/default.asp? serviceID1=980&Frame=L1

44% (Home Office) 59% (Deck) 72% (Landscaping) 30% 60% (Contractor) (WWW.CSLB.CA.GOV) (Workers Compensation)

CITY OF LIVERMORE1. $66,250 3 3% http://www.ci.livermore.ca.us/housing_assistance/documents/ DPAFlyer.pdf http://www.ci.livermore.ca.us/ housing_assistance/downpayment_assist.html 2 Affordable Homeownership Opportunity 10 7

CITY OF DUBLINDublin 1. 10% 3.5% $602,500 10 7 Dublin 62

XXXXXXXXXXX

Norman Tang#01313859

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

J C Real Estate Investment Group, INC. Real Estates and Loans

Christie Ng

DRE#01331327

Senior Loan Officer, Broker Associate, VP

normantang4@gmail.com

Direct: (415) 756-5435 Fax: (415) 680-2311 E-mail: jcre168@gmail.com

225 Hanover Street, San Francisco, CA 94112

510-280-4898

Robert Chen B.S.(), MBA (Duke), Ph.D.(UGA) Real Estate Broker, Trusty RealtyReal Estate License # 01327720 408-835-2455Email: cbw6@yahoo.com

B06

()

800-1000pm AM1450 415-543-8255 1-866-366-1818www.cchcradio.org www.moneyradio.org

PUMP AND DUMP Radio Shack Radio Shack ( AT&T T-Mobile) Radio Shack 5 26

Uninsured Motorist Coverage UM (Underinsured Motorist Coverage)

() UM UM (DEDUCTIBLE)UM UM

( ) (IRS) (Excise Tax) 2006-2007 Radio Shack Radio Shack Radio Shack

( )

COBRA COBRA 65% COBRA (PRE-EXISTING CONDITION) (HEALTH SAVINGS ACCOUNT) (HIGH DEDUCTIBLE)

Mr. Kwong ()M-F 8:30am to 5pm, San Francisco

Derek Kam Sr. Mortgage Loan Officer/Vice President Office: 650.867.8473 Cell:510.676.8883 Derek.kam@bankofamerica.com

BankofAmerica

Lowest Price Term Life,

Success Training Center

(Contractor B) (C-10) (Tax Preparer)

2801 San Bruno Ave., San Francisco, CA 94134 (415) 608-4347

638 Webster St., Suite 210 Oakland, CA 94607 (510)610-9590

PEOPLES CHOICE FINANCIAL SERVICES

(Debt Settlement) (Short Sale)(Loan Modification) (Foreclosure) $500

925-683-1332

B07

Full Discretionary Account ( ) 2% ()

709 () 709

IRA IRA 2%

15% 1031 (Like Kind Exchange)

$2000 $3000 (QUALIFIED DIVIDEND) 15% 15%

50 ( 401-K ) (Single Life Cash Annuity) (Cash Annuity) (Immediate Annuity) ( ) 50 6% 5% 1%

$13,000 12 53 10 MEDICARE 62 66 2 100% 62 25.83% 65 35 62 $700 66 2 $1,100 http:// www.ssa.gov/planners/calculators.htm

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1. 2. (Employee) (Independent Contractor) (Withholding Tax) (Self Employment Tax) 7.6% () C

8-10 AM 1450

IRA IRA I-BOND

Christina Cheung, CIC, CRM, SPHR Principal, ISU Insurance Services Cheung & Associates 2635 N. First Street, Suite 102 San Jose, CA 95134 408-922-0600

B08

1

20news@cchcsf.org 1-510-893-3220,

/ ChineseBaptistChurchSanJose 2215CurtnerAve,Campbell,CA CommunityBaptistChurchSanMateo 15SouthHumboldtStreet,SanMateo,CA GreatShepherdChineseBaptistChurch 20307MarshallStreet,CastroValley,CA SunsetBaptistChurch 3635LawtonStreet,SanFrancisco,CA ChineseUnitedMethodistChurch 920WashingtonStreet,SanFrancisco,CA

(BCA) 7:30p m BCA Singers 9amto12noon drum, guitar, 3638LawtonStreet(42ndAvenue)S.F. HarvestBookstore- 1239NoriegaStreet(20thAvenue),S.F. 415-665-9672 http://melodyoflovebca.eventbrite.com/ http://scworkshopbca.eventbrite.com/ 415-992-2881

2

20091121 10:0012:00 211TopazStreet,Milpitas,CA95035 408-263-8585

1.() 11167-8 () () 408263-8585102 2. 1123 8-9 () A M 1450

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www.cchcRadio.org 3. 111410:00 A M11:30 A M 211 T o p a z S t., Milpitas, CA 95035 408263-8585102 cancer.cchc.org

4

2009

200911 13-15,. --. , . You Raised Me Up..... , --. .,Newark.(925)456-3128 Harmoniamusic@yahoo.com

- - 756UnionStreet,SanFrancisco,CA94133 (415)391-0699 http://www.sfefc.org/events/events.html

5

San Francisco Glad Tidings Church 1280 WebsterEllisGeary : (415)430-8366 ; :timyipk@yahoo.com

Cornerstone Grace Evangelical Baptist Church :Senior Pastor: Rev. George Sanusi

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

San Francisco

:Time: Sunday 4:00 P.M.

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

11 (/)

: 650-892-8230 : 415-806-8957

BURLINGAME1500 Easton Dr., (at El Camino Real) ()11:15 : 415-759-3700 415-731-0377() : Website: www.fupcsf.org Email: fupcsf@fupcsf.org

San Francisco Chinese Alliance Church: : 9:15am 11:00am 9:15am / 11:00am 9:15am 8:00pm : 11:00am 9:15am 9:15am / 11:00am 11:00am

(A Ministry of the Christian Reformed Church) : /11:00am : 9:15am : 9:15am 11:00am : : Tel 415-751-2242 Fax 415-751-6389 Address 378-18th Ave., San Francisco, CA94121-2317 Website : http//ggcrc.org

Golden Gate Christian Church

San Francisco Evangelical Free Church756 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

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

Glorious Light Christian Church

Sharon Chinese Baptist Church: : 11:00am / : 9:30am : 7:30pm : 7:30pm : 10:00am : : 2:00pm-6:00pm

Chinese Independent Baptist Church SF : : : 9:45am 11:15am : 9:45am 11:15am 415-397-6859 415-397-2828 981 Washington Street, San Francisco, CA 94108

() (/)

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

1620 Irving Street, San Francisco (17th 18th Ave) 415-664-3303 www.SFSCBC.org sfscbc@sbcglobal.net

Cumberland Presbyterian Chinese Church

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

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

9:30am 11:00am 865 Jackson Street, San Francisco, CA94133 Tel 415-421-1624 Fax 415-421-1874 Website www.cumberlandsf.org Email church@cumberlandsf.org

B09

6

117 118 Hilton Garden Inn 2000 Bridgepointe Circle, San Mateo, CA 94404 www.gracegospel-rca.org 650-212-5858 (W) 650-922-8488 (Cell)

$10 $50 : 12 12 2 14 : 2400 Noriega Street San Francisco, CA 94122 : (415) 661-1120 Cindy

7

Patricia Wong Lawton

8

9 : : : : :

! ! ! 20091121() 5:00pm 8:00pm Living Word Christian Center 1494 California Circle, Milpitas, CA 95035

: 408-636-0030 : info@gcciusa.org Simple Dinner will be served, RSVP.

( 16:26) (HOPE EXPRESS)

10

?

: 11/21/2009 () : 7:30 PM : Sharon Chinese Baptist Church 1620 Irving Street, San Francisco, CA 94122

N a t i o n a l D o n o r Sabbath

11

: (888) 380-9821 www.donateLIFEcalifornia.org

Good TV D V D

12

GOOD TV

: 14424 E. Valley Blvd., City of Industry, CA 91746 Donation Hot Line : 1-888-800-1119 E-mail : info@goodtvusa.tv : www.goodtvusa.tv : (626) 330-4347

Mid-Peninsula

East Bay 12:35

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

Chinese Community United Methodist Church

Berkeley Chinese Baptist Church

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

: 9:30AM 11:00AM

: 9:30AM 11:30AM

: : 9 30 : 11 : 9 30 : 11

1951 Sacramento Street, Berkeley, CA 94702 510-848-8722 http://www.bcbc-berkeley.org/chinese/

321 8th Street, Oakland, CA 94607 510-452-1020 www.chinesecommunityumc.org rockofages@gmail.com

Great Commission Christian Church

Sharon Chinese Baptist Church

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

: : : 9:15am 11:00am : 2715 Prince St., Berkeley, CA 94705 510-654-8137 510-658-6135

Other

10

12

Sacramento

Maranatha Christian Church

Southwinds Chinese Church, Tracy

:

71996 Graduate Theological Union

1. 1. () 8/1511/14 (10) () 1/9/2010 - 4/10/2010 (10) 2. 2. 8/1311/12 (730) 1/7/2010 4/8/2010 (730) 1-13 (102100) (102100)

: () ()

: : 10:00am / Billingual 3424 Fruitridge Road, Sacramento, CA 95820 916-421-8207 916-421-8029

: 9:00am / 10:30am : 9:00am / 10:30am : 10:00am / : 8:45am / 10:30am 13400 W. Middle Road, Tracy, CA 95304 209-835-4673 ext.122 209-833-5350 www.southwinds.org rshih@southwinds.org

1030 ; () (13 510-526-5304)

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

www.lifelutheranchurch.org LLC_ELCA@yahoo.com

B10

(Bay Area Chinese Bible Church), () (,), 8 , , , Home Team 1956, San Leandro, 50 (San Leandro Alameda Bay Farm) Alameda , Alameda ; 450, , 850, ,

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South Bay Parkway Chinese Baptist Church():9:30 :9:30 :11:00() :7:00-8:30() : 7485 Village Parkway, Dublin, CA 94568 () 925-479-0189

www.cchcsf.org Southbay Chinese Baptist Church: Larry Tong : Pinnie Wu

Fremont Chinese Evangelical Free Church

: : : 9 10 45

:9:30am :11:00am :7:30pm AWANA CLUB 448-454 Francis Drive, San Jose, CA 95133 408-926-2621 www.scbc.net reachout@scbc.net

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

Forerunner Christian Church

Guidepoint Gospel Church: Rev. L. Thomas Wong 10:00-10:45am 11:00-12:15am(Orchard City Hall) Campbell Community Center 1 West Campbell Avenue Campbell, CA 95008

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

9:30am 10:00am (//) 7:30pm () www.forerunner.cc 510-657-3800 510-657-3816()

: : ; Awana Club : (650)964-5241, , - ,

Ark Baptist Church Ark Baptist Church 10:00AM 11:45AM 10:30AM 7:30PM 3G7:00PM

39620 Sundale Drive, Fremont, CA 94538 Tel 510-656-8900 Fax 510-656-8989 (Stevenson Blvd. Sundale Drive )

2340 Harris Way, #2, San Jose, CA 95131 (408)526-1312, (408)786-4542 www.arkbaptistchurch.org : : : : (880 Montague Expressway)

:

www.logosbc.org

B11

8:00am

B-10 www.cchcsf.org ()

(FAFSA): 1212 : 10:00am - 12:00pm : Financial Aid : 523 8th Street,Oakland,CA 94607 (510)893-3210

100 *: 7 , , ,

09/12-12/09 2:00pm-4:00pm 10/14-12/16 () 1:00pm-3:00pm 12/07-12/28 () 1:00pm-3:00pm 12/23-1/27/2010 () 10:00am-12:00pm

$5

$10 $40

$60

11/07 9:30am-11:30am

$25(8) $15(4)

B 11/06/2009 6:30 9:30 B $980.00 : 12 - (6): 100 - (6) 100 **4 **

10:00 am - 12:00 pm11/14 : 11/21 : Helen Hsu, Psy.D. () (510) 522-0924 () (510) 489-3460 ()

12/12 : 12/19 :

11/06 11/13 11/20 11/27

12/04 12/11 12/18 12/25

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

B12

(Regent College)

) ) 1. 2. 3. )

(Max Weber)(Karl Marx)(Emile Durkheim) (Suicide)

(The Protestant Ethic and the Spirit of Capitalism) (The Religion of China: Confucianism and Taoism)

Lehigh Michael Behe (Irreducible Complexity) Behe

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( 3 11) ( 21:21)

? Fibrinogen Fibrin HeparinProtein C Thrombomodulin FSF Fibrin Plasmin

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(1) (2)

B13

BMW(Black Market Worker) 401 Gary

The Yellow House (Paul Gauguin) Don Mclean Starry Starry Night

() () () ( ) () ( )

( 13 17 )

Capitol VillaResidential Care Homes, Highest Quality Care for over 20 years

Professional Help, Personal Care.

, 24 1 2.5

1733 Oldtree Court, San Jose, CA 95131 408-729-9019 www.capitolvilla.com

B14

()

8-9 AM 1450 1-415-543-8255 www.cchcradio.org

Dr. Emerson Eggerichs Love & Respect-The fleece Love She Most Desires, the Respect He Desperately Needs 50% 33 () ( )

74%

(a) (b) 81.5% (a)

1 2 3 4 5 6

1 2 3 4 5 6 (Web4Jesus)http://www.web4jesus.org /

400 (a) (b)

MP3iPodMSNWii /

B15

2007 62% (80%) Medicare Dr. Himmelstein Lee Iacocca (Baby Boomers) 2006 Muhammad Yunus (developed countries) (pre-existing condition) 1) 2)

8 300% David Ogden David Ogden 4 21 5-8 3-4

() (CT)(MRI) (maximizing profit) Medicare ( ) (WHO) 2000 2002-03 (political suicide) ( ) 2:1-3 ,

() 30 10

B16

()(Probate) (Beneficiary) (Paid On Death) (Credit Union) (Co-Op) (Revocable Living Trust) (Totten Trust) : 10 (IRA)401(k)403 (b) 457 (Primary Beneficiary)(Secondary Beneficiary) () : :

1882 1946 (Chinese W ar Brides Act ) 1965

() 3 2 // K-1 K-3 K-1 K-3 K-1 K-1 / 90 K-3 K-1 F-1 $37.57 (Credit Bureau) (Credit Reporting Agency)

(REFINANCING) () (SHORT SALES) (FORECLOSURE) foreclosure sale

Law Office of Frank M. Tse AM 1450 MONTGOMERY 550 650 415-781-1588 franktse_law@post.harvard.edu

Law Offices OF BRESLER & LEE

Faye Lee, Attorney At LawEstate Planning, Wills, Probate & Trust Administration

1255 Post Street, Suite 427 San Fr ancisco, CA 94109 (415)776-7177

( )

WILLIE LEUNG APPRAISAL SERVICE

CRA#007780

415-608-9680 650-878-1947

B17

() UNDERGRADUATE GRADUATE SCHOOL AUGMENTED REVIEW( )

GPA A-G GPA 4.0 ACT SAT SAT

2004 SAT 2005 SAT SAT I SAT II () 2004 GPA a-g GPA GPA 10 11 GPA SAT I

( ) : 1. GPA/Class Rank: GPA GPA SAT/ACT 2. SAT/ACT 3. 4. (essay) 5. : student council 6. 7. 8. : ) ! FAFSA FAFSA CSS (College Scholarship Service) PROFILE ! need-based meritbased (EFC)

1. 2. FAFSA 3.

-- 22 Cho F Chan CPA Inc. A Professional Corporation 655 Redwood Hwy, # 308 Mill Valley, CA 94941 Phone: (415) 381-0681 Fax: (415) 381-0682

B18

!!! ()27 Sunny Lo Flora Chan Ernest Macy music@cchcsf.org

!

200 Damper Pedal88 (Grand Piano) ( ) Chromatic Scale Harmonics (Re-Built)

Ida Chan Ida / mp3 () :

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-- --

B19

? ! : : , (bloodline) : (Tabby) (British Shorthair) (American Shorthair) (Scottish Fold) :

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(Siamese)(Ragdoll) (Ocicat) (Oriental)(Manx) : A. : ,

: : (fosterer) (breeder) , (Animal Control), (SPCA) (Humane Society), (Rescue Groups)

(animal shelter)

! ( ) B. : !

shelter shelter shelter ? shelter shelter shelter animal shelter Alameda County: Berkeley: berkeleyhumane.org (510)845-7735 Oakland: eastbayspca.org (510)569-0702 In-Valley: tvar.org (925)803-7043 Castro Valley, San Lorenzo, Hayward, San LeandroFofas.org (510)667-7707 Fremont: ohlonehumanesociety.org (510)792-4587 Pleasanton: valleyhumanesociety.org (925)426-8656 San Francisco County: ahan.org (415)221-5733 SFspca.org (415)522-3500 SFgov.org (415)554-6364 Srdogs.com (No Phone Number) Contra Costa County: Antioch: ci.antinch.ca.us (925)779-6989 Pleasant Hill: cchumane.org (925)279-2247 San Mateo County: San Mateo: peninsulahumanesociety.org (650)340-7022 Redwood City: petsinneed.org (650)367-1405 ext 10

, , Mud Pie. , , , , 45 , ? , , , . , , , , , . , , , , . , , , ; , , , ? ? , , . , , , , , . , ? , , , .

MUD PIE

COCO CURRAN KWAN CODY ANGEL CHEN SIMBA ANGEL CHEN

pet@cchcsf.org

B20

) ---

Sharon Lau (Dennis Balcombe) Balcombe -----

---- SARS()

Whenever I call upon your name, youre always here. Whenever I call upon your name, you hear my prayer

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