! ! W W O O W W
ANNU TH AL
4 Days | Over 100 Films Over 30 Countries Comedy | Drama | Documentaries Animation
October 24–27 Cinéarts, Santana Row Visit sjsff.com TICKETS ON SALE NOW
Dr. Randy and Dana Rowe, Executive Directors
If not You, Then Who?
Sounds of Joy
Mahin Beauty Lounge
Satellite Internet That is Unlimited With No Hard Data Limits! 2
Mahin offers a place of Tranquility to experience her Artistry
Microblading Eyebrow Design and Treating Face and Body Massage Eyelash Extensions Facial Service
Reserve Your Appointment Today!
FREE Standard Installation
408.606.8989 1465 Bird Avenue San Jose, CA
A Private Treatment Room available for rent - facials, massage, weight therapy, etc. Visit mahinbeauty.com for more information
Limited Time Offer! Restrictions may apply.
25 Mbps Download Speed 25mbps download and 3mbps upload1
“You can get High-Speed Internet wherever you live!”
No Hard Data Limits
Connect your wireless devices at home
Call For Special Offers In Your Area Pricing varies by region
CALL TODAY - LIMITED SPECIAL OFFERS IN YOUR AREA!
HughesNet is a registered trademark of Hughes Network Systems, LLC, an EchoStar Company. 1 The HughesNet Gen5 service plans are designed to deliver download speeds of 25 Mbps and upload speeds of 3 Mbps, but individual customers may experience different speeds at different times of the day. Speeds and uninterrupted use are not guaranteed and may vary based on a variety of factors including: the configuration of your computer, the number of concurrent users, network or Internet congestion, the capabilities and content of the Websites you are accessing, network management practices as deemed necessary, and other factors. When you connect to the HughesNet service using Wi-Fi, your experience will vary based on your proximity to the Wi-Fi source and the strength of the signal. 2 If you exceed your monthly plan data, you will experience reduced data speeds until the start of your next billing period. Reduced speeds will typically be in the range of 1 – 3 Mbps and may cause Web sites to load more slowly or affect the performance of certain activities, such as video streaming or large downloads/uploads. 3. Free standard installation applies to new Lease subscribers only. Not valid with Purchase option. Limited-time offer. Restrictions may apply. 5. Per the “5th, 6th, 7th and 8th FCC Measuring Broadband American Reports.”
Lincoln Shoe Repair Most Complete Shoe Repair Service in the South Bay
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 firstname.lastname@example.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.
2208 Lincoln Ave, San Jose, CA 95125
Orange Sunrise *We are Now Open*
FRESH FRUIT JUICES, SMOOTHIES & MILK SHAKES • YOGURT • ICE CREAM • SPARKLING TEA
Come in and try a little something delicious! 1590 Meridian Ave/Hamilton Phone: 408-347-1951 2652 Alum Rock Ave, #F Phone: 408-677-4144
Music Lessons Only $15 per lesson!! Call (408)268-6703 email@example.com
• Piano • Guitar • Drums • Bass • Flute
October 20, 2019
Boyd’s Tree Service Landscaping Maintenance Since 1984
www.Boydstreeservice.com Michael W. Boyd – Owner
Fully Insured PL & PD and Worker’s Compensation Second Generation Experience Contractor License #665121
Structural Pruning Tree trimming Stump removal We Specialize in Redwood Trees!
Local Fresh Cuisine Your Table is Ready Breakfast • Lunch • Dinner 6944 Almaden Expy San Jose, CA 95120 408-622-5835
BENSONâ€™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
23 Skidoo Vintage and Retro Clothing VISIT 23 SKIDOO FOR WHAT YOU DON'T KNOW YOU NEED. FUN, FABULOUS, AND AFFORDABLE FASHION!
2082 S. Winchester Blvd. Campbell, CA 95008 408.540.7781 23SKIDOOVINTAGE.COM FACEBOOK.COM/23SKIDOOVINTAGE
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
For a limited time only, take advantage of
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
Personal Loan 4
Home Equity Line of Credit 6
Home Equity Line of Credit⁴
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
loans or credit cards Our already low rates a personal loan areOur evenalready lower with a low rates with rate as low as 0.50% APR discount are even lower with a 4.90% APR
0.50% APR discount
rate as low as 5.40% APR
Rates are the lowest since 2016. Now’s the time to refinance and keep more cash in No closing costs on your pocket
No closing costs on your home purchase or refinance
your home purchase or refinance Rate of Prime minus 1% for the first 12 months
Rack up your savings. 82
Holl enb eck Ave
For a limited time only, take advantage of
El Ca mino Real
SM ath ild aA ve
keep more cash in
today’s low rates Withyour pocket and our generous , you won’t need
With Rate of Prime minus remodel any longer 1% for the first 12 months
Learn more at patelco.org/Sunnyvale.
Insured by NCUA
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.
The Bay Area Review Encourage - Enlighten - Enrich The San Francisco Bay Area Volume I, Issue 2