號角月報 美西北版 零九年 十一月號 b刊 herald monthly sf nov 09 section b

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B01 家在灣區 B11 角聲與你 B02 色香味美 B12 信是有原 B03 福壽康寧 B13 點滴拾靈 B04 安居樂業 B14 我心我家 B05 安居樂業 B15 時事分析 B06 生財有道 B16 法律指南 B07 生財有道 B17 大學教育 B08 最新消息 B18 樂韻飛揚 B09 最新消息 B19 吾愛寵物 B10 最新消息 B20 真人真事 二○○九年十一月美西北版 免費贈閱 家在灣區 打工一族 一星期工作五天,對於周末的到來,特別興奮,特 別想往外走走。就是周末尚未完結,便開始計劃下周末 的節目。一些美國俚語打趣說,經過周末連串活動後, 星期一便要好好休息,回復體力;星期二正式投入工 作;星期三開始計劃下周末的節目;星期四進入周末倒 數;星期五便收拾行裝,提早放工,再來狂熱一番。周 末如是,長公眾假期如是。往往因着節日的興奮,將焦 點放於玩樂上,忘記了節日的真正意義,所為何事? 叮叮叮,響鐘聲? 根據調查,聖誕節 (Christmas, December 25th) 是全年眾多節日中最受歡迎的節日,除了因為臨近歲 晚,若時間許可,可將公司有薪假期 (paid vacation) 連成一起,便可由平安夜玩樂至新年,由年尾玩到年 頭。除此以外,聖誕節也是一個充滿愛的節日,處處洋 溢歡樂氣氛,人人帶上燦爛笑容,聖誕歌聲,普天同 慶。對於美國人而言,聖誕節氣氛就好像中國人過農曆 新年一樣濃烈,是一年一度家人團聚的節日,特別是已 成家立室、搬往外州住的兒女或鄰近親友難得相聚的好 機會。喜歡白色聖誕的,會到落雪紛飛的地方,大朋友 到高山滑雪 (skiing),小朋友在雪中搓雪球、砌雪人 (snowman) 。倦透了,便回到租住的渡假屋 (vacation house),圍着火爐,手執暖暖朱古力,一同分享冬日假 期的悠閒。若是在平安夜或聖誕夜上,家人共進聖誕大 餐,就好像中國人農曆年三十晚團年飯一般,不拘桌上 食物,只求合家平安。 很多聖誕節傳统一直留存,其中一個傳统,便是在 聖誕日向家人朋友互送禮物,代表向對方的心意、謝 意,小朋友也特別期待拆禮物的一刻,看看是否自己的 所愛。因此聖誕節可說是全年銷售的高潮。除了商店的 禮品外,聖誕樹 (Christmas Tree) 也是增加聖誕氣氛 的必備品。在美國能買到真的聖誕樹,相比在國內、香 港及亞州等地,只能用膠製假樹,美國聖誕多了一份真 實感。為求在歲晚增加營業額,各商户分分在十一月下 旬開始,為店鋪粉色佈置,掛上紅紅綠綠的聖誕裝飾, 配合一連串的聖誕產品。大小商户更推出不同的推銷策 略,吸引消費者掏錢包,因此聖誕節也漸漸變得商業 化。 其實聖誕節是甚麽節日?究竟是為甚麽而慶祝?為 何要普天同慶?是否為了交換禮物?或是商家為了業績 而作「歲晚衝刺」?很多人以為聖誕節,是慶祝不死的 聖誕老人 (Santa Claus)。這位長滿面白鬍子的老伯, 是小朋友心目中的最愛,因為他正是傳說中在聖誕前 夕,從煙通管爬入屋內,將小朋友渴求的禮物,放到火 爐邊的聖誕袜子裡的人。這傳统是源自公元後第三世 紀,一位有心人向有需要的人施予幫助,因為他的慷 慨,受到了後人的敬仰,而演變成今日聖誕老人的故 事。但事實上,聖誕老人、交換禮物、甚至家人團聚, 都不是慶祝聖誕節的原因。 原來聖誕節是慶祝和記念耶穌基督(Jesus Christ) 的誕生(因此又名耶誕夜)。耶穌基督不是虛構人物,相 反因着聖經的記載、聖誕節的全球性和公元前 (Before Christ耶穌基督誕生前) 及公元後 (Anno Domini拉丁 文 - 耶穌基督誕生之年)的分別,証明了耶穌存在的真 實性,並衪在歷史上的重要性。衪的誕生,是鐵一般的 事實。為何要慶祝衪的誕生?衪的誕生有何重要? 根據聖經記載,耶穌是在伯利恆 (Bethlehem) 的一 個馬槽裡出生,衪出生時沒有舒適旅店,只是在簡陋的 馬槽,有遠方來的博士和牧羊人帶同禮物來要慶祝。為 何耶穌的出生那麽重要,直至二千年後的今天,世界 各地仍然慶祝衪的生日?這全是因着衪是神,卻成為 人的樣式,衪要到世上來告訴人天父是何等的愛我們, 衪要以行動去表明衪愛世間上的人。衪願意進到我們的 生活裏。衪在世三十多年接觸不同人,行神蹟奇事,醫 治人肉體的缺憾及修補心靈的需要。衪的出生是歷史中 重要的事實,衪自己便是一份禮物送給您和我。這正 是慶祝聖誕節原因,是要宣揚耶穌對我們的愛,這是值 得記念、值得普天同慶的日子,亦是聖誕快樂 (M e r r y CHRISTmas)背後的意思。因此您我交換禮物時,要彼此 提醒這份從天父而來愛的禮物,不但要自己接受,更要 和他人分享。聖誕節是與人分享的季節 (Christmas is the season of sharing) 。 可惜的是,現代人漸漸失去這份尊重,甚至要否定 耶穌基督的出生,和衪的真實和存在性。隨着年日,人 用不同的東西代替了耶穌基督的地位。聖誕節不再是聖 誕快樂 (Merry CHRISTmas) ,而是節日愉快 (Happy Holidays) 只管假日的玩樂而遺忘了耶穌的降生。人再 不願意接受耶穌的愛,只用各類電子產品,生活享受, 滿足我們對物質的渴求。這價值觀在無神論的社會風氣 下,慢慢改變我們及我們下一代的思想。一切聖誕活 動、產品,叫我們忙過不停,而忽略了聖誕節的真義, 將重要的放低,次要的卻放至高處,喧賓奪主。難度聖 誕節已變成商業社會謀利的最好商機?使您我陶醉於生 活,而忘記了耶穌基督的出生的意義? 聖經提摩太前書一章15節:「基督耶穌降世, 為要拯救罪人。這話是可信的,是十分可佩服 的。」 沒有衪,那有我? 提起復活節(Easter) ,您會聯想起甚麽?復活蛋、 小白兔或是色彩繽紛的絲帶?在美國,復活節並不是假 日,但往往是學生們放假、春季小休 (Spring Break) 的期間,家長都會為子女安排節目,遠足郊遊。大學生 會乘着一周的空檔,與朋友們到不同地方遊玩。復活節 在大多數人心目中,並不是甚麽大節日,亦沒有特別慶 祝的活動。復活節卻是另一個容易忘記真義的節日。若 耶穌沒有復活,神對您和我的承諾便會落空… 復活節是耶穌基督降生後另一個重要的日子,和復 活蛋、小白兔並沒有直接關係。復活節是慶祝和記念耶 穌基督的復活,為着我們犯錯的緣故,耶穌基督願代替 我們作贖價 (redemption)。因我們像失去平衡的人, 必須依靠穩妥的耶穌基督才可以免去跌進死亡。因着祂 的完全,才能蓋過我們的不完全。耶穌被釘在十字架 上,衪的血洗淨了我們的罪;衪的復活證明衪勝過死 亡,超過死亡,使我們能過遠離罪的生活。耶穌基督若 沒有復活,我們仍然是一個舊人。 「若有人在基督裡,他就是新造的人,舊事已 過,都變成新的了。」(聖經 - 哥林多後書 五章17節) 由小變大,回到首位 今天,人漸漸對聖經所記載的事實失去興趣,雖曾 聽聞,卻又不願意接受事實,失去了人生重要的部份。 縱多節日來提醒我們耶穌基督是誰,為何衪到世上來, 為何衪死在十字架上,為何衪要復活,可惜我們卻在大 節日中將大人物變成小人物,用不同的事來遮蓋了節 日的真義。但物質、金錢、玩樂是絕不能填滿人心裡的 空,就是狂歡過後,仍然要面對人生方向。您對將來滿有把握、滿有希望嗎? 耶穌說:「 我來了,是要叫人得生命,並且得的更豐盛。 」 (聖經 - 約翰福音十章 10節) 祝您有個愉快又有意義的聖誕,使耶穌成為您節日中和生命中的大人物。 編者話 進入節日季節,天氣開始轉冷,但心中卻是暖烘烘的,因為感恩節和聖誕節,都 是一家團聚,相贈禮物的時間,亦是有些人狂歡作樂的機會。 慶祝節日,不能不了解節日的真義,和節日的真正主人,否則便好像參加生日 會,卻不知道到底是誰生日一般可憐與可笑。 幾個世界上最重要的節日,都與耶穌基督有關﹕聖誕節紀念耶穌降生、受苦節紀 念耶穌為世人的罪在十架被釘死,復活節紀念耶穌從墳墓出來,除了證明他是那位 擁有生命權柄的真神,亦為人類帶來永恒的盼望。 這三大節日,以聖誕節最溫馨,受苦節最苦澀,復活節最驚天動地,因為這是前 無古人、後無來者的事件 -- 有誰曾戰勝過死亡? 盼望這期「號角家在灣區版」的主題,幫助您去細思這些節日背後的真正主人, 和它們的真正意義。 「號角家在灣區版」自改版以來,得到很正面的評價,對我們編者作者都是很大 的鼓勵。我們目前在擴大發行網絡,在灣區會有更多派發點,請留意A8版。 以前「號角月報」每期登載灣區華人教會與基督教機構名錄,現在我們已經將這 些資料放在「北加州角聲」的網站上,歡迎您到www.cchcsf.org 瀏覽。 祝您與家人有一個既溫馨又有意義的節日。

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Copyright ©1996-2009 基督教角聲佈道團 Chinese Christian Herald Crusades; All Rights Reserved.

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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)

?

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-- A8 www.cchcsf.org

( - 17)

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15 ( )

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

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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

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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

()

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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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()? ? ? ? () : 1. (SOFT)(MEDIUM)(HARD) (SOFT) (EXTRA SOFT)(plaque)/ () 2. 3. 4. 34 Only brush the teeth you want to keep!

4 HBV 1 (5:7 )

HBV H B V

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) [email protected] www.SophiaChan.netDRE # 01722769

, !

(SHORT SALE)

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

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

[email protected]

Direct: (415) 756-5435 Fax: (415) 680-2311 E-mail: [email protected]

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: [email protected]

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 [email protected]

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

( ) 6

20 43 1 3 1 1 3

50 4 65

1) 50 2) 32 100 ? 3) ( )??

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

[email protected] 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

3

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 [email protected]

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

5

San Francisco Glad Tidings Church 1280 WebsterEllisGeary : (415)430-8366 ; :[email protected]

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: [email protected]

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

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

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

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 [email protected]

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 : [email protected] Simple Dinner will be served, RSVP.

( 16:26) (HOPE EXPRESS)

10

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: 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 : [email protected] : 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 [email protected]

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)

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: : 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 [email protected]

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

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

www.lifelutheranchurch.org [email protected]

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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http://www.ccs-rams.org/

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945 1115 1115Alameda 10 Alameda : 1801 North Loop Road, Alameda, CA 94502. : 510-522-0200 ,, : www.bacbc.org : 510-351-4936; 510-351-1789; : [email protected]; San Leandro: 750 Fargo Ave. San Leandro, CA94579 (HWY880HWY238)

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 [email protected]

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

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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 [email protected]

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 [email protected]

!

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

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MUD PIE

COCO CURRAN KWAN CODY ANGEL CHEN SIMBA ANGEL CHEN

[email protected]

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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