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South Valley Review

VOL. 3, NO. 7

April 15, 2019

Better at knowing what matters to you Happy Birthday, Billie!

Hot Blues by All-Stars

Things are getting a lot more BLUESY in San Jose with the inaugural show on April 7, by the Gardenia Society celebrating Billie Holiday’s Birthday. Local entrepreneur and music aficionado, Mark Hughes and his wife Mariana look forward

to introducing a bit of a different groove into the South Bay music scene. This first, a promise of more to come, event did feature some local well known talent - Lady Bianca, Guitar Mac and Lloyd Gregory to name a few taking part in this showcase.

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Mark, says the “Gardenia Society is first a music appreciation fellowship. And all are welcome to be part of the celebration of such a great American Art form.”

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Music Lessons Call (408)268-6703 dmusic123@aol.com

$1

5

Piano, Guitar, Drums, Bass & Flute


When And Where

5:00 PM – 8:00 PM

San Jose City College 2100 Moorpark Avenue San Jose, CA 95128


9-1-1 Texting


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FRESH FRUIT JUICES, SMOOTHIES & MILK SHAKES • YOGURT • ICE CREAM • SPARKLING TEA

Come in and try a little something delicious! 1590 Meridian Ave/ Hamilton 2652 Alum Rock Ave, #F

Local Fresh Cuisine Your Table is Ready Breakfast • Lunch • Dinner 6944 Almaden Expy San Jose, CA 95120 408-622-5835

ADULT LEARNER ORIENTATION Improve Basic Reading and Writing Skills Partners in Reading offers FREE one-to-one tutoring, small group instruction, computer lessons, classes, workshops, family programs and more! Basic Requirements: Must be at least 18 years old Live or work in San José English skills must be at a conversational level Minimum commitment of 6 months at 3 hours per week with a tutor

   

WEDNESDAY, OCTOBER �0� 2019 6:00 p.m. — 8:30 p.m. Dr. Martin Luther King, Jr. Library 150 E San Fernando Street San José, CA 95112 (408) 808-2361

Contact Partners in Reading to register today! (408) 808-2361 par.sjpl@sjlibrary.org www.sjpl.org/par To arrange an accommodation under the Americans with Disabilities Act for library-sponsored events, please call 408-808-2361 at least three business days prior to the event.

sjpl.org/PAR

#SJPLPAR

/PartnersInReading.SJPL


Purchase Your Tickets Today...

To Learn more, go to www.rebuildingtogethersv.org

Exclusive Sponsorship Opportunities Still Available!


We’re new to the neighborhood but not tomembers banking. For over 80 years,new we’ve helped across Northern California and ready to help you save. We recently opened a branch at Almaden Ranch Forwe’re over 80 years, we’ve helped members across Northern California and we’re ready in San Jose and invite you to join our 350,000+ community members. to help you save. Wewe recently opened a branch in the Cherry OrchardofShopping Center in Sunnyvale and we invite you to join our 350,000+ community of members. Membership is free.

Membership is free.1

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How It How Will It Will Save You Money Save You Money

Loan LoanType Type

Auto AutoLoan Loan¹ 3

Receive 0.50% APR2APR Receive 0.50% discount when you you discount when refinance your auto refinance your auto loan from another loan from another financial institution

financial institution

Personal Loan 4

Personal Loan²

Mortgage Loan5

Mortgage Loan³

Home Equity Line of Credit 6

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Refinance and and Refinance lower your monthly payments with with payments a rate as low as a rate 2.74% APR as low as

To take advantage of these exclusive offers, please visit our Sunnyvale Branch at 332 W El Camino Real or call toschedule an appointment at 408.541.3700 M-Th 10 AM – 6 PM, Fri 9 AM - 6 PM, Sat 10 AM - 2 PM

2.94% APR

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your home purchase or refinance Rate of Prime minus 1% for the first 12 months

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El Ca mino Real

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remodel any longer 1.There’s no fee to join and your membership includes a free savings account. Patelco will deposit $1 in your savings account upon qualified account opening. 2. APR = Annual Percentage Rate. All offers below are limited time offers and subject to change without notice. Offers are limited to new members originating at the Sunnyvale branch and are all subject to credit approval. For more information, visit the Sunnyvale Branch at 332 W El Camino Real, Sunnyvale or call 408.541.3700. 3. Rate discount of 0.50% APR off current auto loan rates and valid on auto loan refinances only. Cannot be combined with other offers. Auto rates as low as 2.64% APR effective 9/5/2019; subject to change without notice. Lowest rate quoted includes special Sunnyvale branch discount. Patelco offers a range of base rates and discounts that depend on factors such as credit history, loan term, Patelco account, and loan balances, program designation and vehicle age. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 11.89% APR. To learn more about rates, terms, and available discounts, call 800.358.8228, visit patelco.org, or visit any Patelco branch. 4. Rate discount of 0.50% APR off current personal loan rates. Personal Loan rates offered effective 9/5/2019; and lowest rate quoted includes special Sunnyvale branch discount. Patelco offers a range of base rates and discounts based on factors including credit type, loan term, Commitment Household/account relationship, and applicant credit worthiness/score. Loan terms are based on various factors, including the amount financed. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Offered rates subject to change. 5. No Closing Costs offer available for owner occupied primary residential purchases and external (payoff of a non-Patelco originated lien) refinance only with loan amounts of $1.5 million or less. Offer not available on new Patelco brokered FHA, VA or other government-insured loans. Subject to approval. Patelco Credit Union will pay customary closing costs including: lender’s title insurance, title/escrow services, appraisal, tax service, credit report, flood certification, and recording fees. Paid closing costs do not include pre-paid interest, homeowners insurance, initial escrow deposit, owner’s title insurance, or city and/or county transfer taxes. Borrower may select escrow and/or title company. Other restrictions apply. 6. The Introductory APR of Prime (5.25%) minus 1% and other terms as shown are accurate as of September1, 2019 and apply to a HELOC for the most qualified applicant at CLTV up to 80% on applications. Not all applicants will qualify for the lowest rate. Rates vary based on property value, line amount and other factors, and will vary for second or vacation homes. The minimum periodic payment is interest-only for the first ten years (“draw period”) followed by fully-amortizing payments to repay the balance over the final fifteen years. No draws will be allowed during the repayment period. Payments and rate can adjust monthly. Payments will increase if rates increase. The rate is calculated using an index plus a margin. The index used is the Prime Rate as published in The Wall Street Journal Western Edition on the last business day of the month prior to the change. The current prime index is 5.25%. Maximum interest rate is 17%. The variable Introductory APR is based upon The Wall Street Journal Prime Rate (“Prime”). Prime may change at any time and is subject to change without notice. If Prime increases or decreases during the Introductory Period, the variable Introductory APR and minimum required payment will correspondingly change. The Introductory Period begins on the date of account opening and lasts for the first twelve (12) billing cycles. After the Introductory Period ends, any and all remaining balances will automatically convert to the variable APR, and minimum required payment per the terms of the HELOC agreement. The variable APR is based on Prime plus a margin, and will vary with Prime. The minimum credit line amount is $10,000 and the maximum is $500,000. Patelco Credit Union will pay customary closing costs on lines up to $250,000 in second lien position. Borrower is responsible for closing costs on lines in first lien position or over $250,000. Closing costs range from $0 to $2,500. This offer does not include escrow or recording fees that may result from changes in title or vesting.


BENSON’S CLEANERS Full Service Dry Cleaners Try our Wash n Fold Service Pick-up/Delivery Wedding Gowns Specially cleaned and stored with care 5965 Almaden Expressway #160 Mon - Fri 6:30 am - 6:30 pm Saturday 8:00 am - 5:00 pm 408-997-6144

TUTOR ORIENTATION

Help Adults Improve Basic Reading and Writing Skills Partners in Reading offers FREE one-to-one tutoring, small group instruction, computer lessons, classes, workshops, family programs and more! Tutor Training Sessions: Saturdays, November 9 and 16, 2019 9:00 a.m. — 4:00 p.m. Dr. Martin Luther King, Jr. Library All 3 sessions are required to become a tutor.

WEDNESDAY, NOVEMBER 6, 2019 6:30 p.m. — 8:00 p.m. Dr. Martin Luther King, Jr. Library 150 E. San Fernando St. San José, CA 95112 (408) 808-2361

Contact Partners in Reading to register today! (408) 808-2361 par.sjpl@sjlibrary.org www.sjpl.org/par To arrange an accommodation under the Americans with Disabilities Act for library-sponsored events, please call 408-808-2361 at least three business days prior to the event.

sjpl.org/PAR

#SJPLPAR

/PartnersInReading.SJPL


Profile for The Bay Area Review

The Bay Area Review October 3, 2019  

The Bay Area Review Encourage - Enlighten - Enrich The San Francisco Bay Area Volume I, Issue I

The Bay Area Review October 3, 2019  

The Bay Area Review Encourage - Enlighten - Enrich The San Francisco Bay Area Volume I, Issue I