22 • February 2017 • UPBEAT TIMES, INC.


Astrology/Readings Yerevan


Healing Readings &


Astrology • Life Coach readingsbyyerevan@gmail.com


readingsbyyerevan.com 707-775-5600


BANKS


American AgCredit Money for Agriculture P.O. Box 1120 Santa Rosa, CA 95402 (707) 545-7100 www.agloan.com


Exchange Bank


545 4th St. Santa Rosa, CA. 95401


(707) 524-3301


www.exchangebank.com Breweries/Wineries


Russian River Brewing Company Beer, Food & Fun!


725 4th St, Santa Rosa, (707) 545-2337


www. russianriverbrewing.com COLLECTIBLES


UPBEAT Services, Businesses & Direct Links JEWELERS


RESTAURANTS


Big Oak Plaza Coin One of the largest coin shops on the Pacific Coast! 2490 W 3rd St, Santa Rosa, CA 95401


(707) 544-1621


www.beymerzcoins.com DENTAL SERVICES


Petaluma Dental Group 1301 Southpoint Blvd, Petaluma, CA 94954 (707) 762-0067


www.petalumadental.com


FURNITURE La-Z-Boy


2875 Santa Rosa Ave, Santa Rosa, CA 95407


Phone:(707) 525-0569


http://www.la-z-boy.com GROCERY


ANDYS PRODUCE 1691 Gravenstein Hwy N, Sebastopol, CA 95472 Phone:(707) 823-8661


www.andysproduce.com


Beekind Honey Beekeeping Classes


Sign up at beekind.com. 921 Gravenstein Hwy,


South, Sebastopol, CA 95472 ~


(707) 824-2905 visit beekind.com today!


OLIVERS MARKET Real Food. Real People. www.oliversmarket.com


Bennett Valley Jewelers 2700 Yulupa Ave #19, Santa Rosa, CA 95405 (707) 523-1333


www.bennettvalleyjewelers.com NUTRITION


Joanne Williams


Health Begins in the Kitchen Delicious Vegan Recipes & Seasonal Food Plans www.foodsforlonglife-


blogspot.com/ Pets/Supplies


Western Farm Center- Pet food • Farm Supply


Plants • Poultry Supplies 21 West 7th Street


Santa Rosa, CA 95401-6199 (707) 545-0721


www.westernfarmcenter.com PHOTOGRAPHY


Real Estate Photography


Rentals/Sales/Air B&B


Commercial & Residential See samples at


northstarphotographicser- vices.com ~ 707-953-0832


DADA’S DELI RESTAURANT


3100 Dutton Ave # 122, Santa Rosa, CA 95407 Phone:(707) 526-3232


Menu: www. dadasdeli.com THAI POT


2478 W 3rd St, Santa Rosa, CA 95401


(707) 575-9296 Menu: www.locu.com


Williebirds Restaurant 1150 Santa Rosa Ave, Santa Rosa, CA 95404


(707) 542-0861


www.williebirdsrestaurant.com AD Placement


Upbeat Times P.O. Box 7312 Santa Rosa, CA 95407 707-494-1767


www.upbeattimes.com AUTO


Western Auto Body 5800 Guerneville Rd, Sebastopol, CA 95472 707-829-2477


www.westernautobody.com Wonderful


Have You ever Wanted to Self Publish a Book?


I can help, edit, design & produce! It’s fun,


aff ordable & easier than you think!


email: gafraire@comcast.net cell: 336-681-7227


Web site: gabrielfraire.com


Gabriel A. Fraire Writer - Editor - Graphic Designer


22 • February 2017 • UPBEAT TIMES, INC.


interest means the interest is not compounded. Te amount of interest that accumulates de- pends on how long the loan is outstanding. Tis loan has in- come limits based on a sliding scale of family size. In Sonoma County, a single person in- come limit is $80,900 and goes up. A family of 4 can earn up to $115,600. Te next program is the Ex-


tra Credit Teacher Program (ECPT 2nd).


is for a first-time homebuyer working for a K-12 school system.


Administrators, and Classi- fied Employees in all schools.


It includes Teachers, Tis program Simple Ad Here!


Postal & Shipping Postal Annex


Mailboxes, Shipping, Cards & More


1585 Terrace Way, Santa Rosa. Ask for Kris (707) 526-1130 postalannex.com


Recreation


DOUBLE DECKER LANES


Rohnert Park, CA 94928 (707) 585-0226


www.doubledeckerlanes.com For Sale:


Complete Shirt Print Equipment...Im retiring!


Santa Rosa, CA. ~ Must See! I’m selling my entire silk screen business and all


equipment.


Everything! Everything works per- fect, guaranteed! 4-color press. 12 ft conveyor dryer. New pre-dryer. Brand new 3 x 4 ft exposure unit and all the paints, over 25 screens, rinse booth, squeegees 100s of new shirts and accessories to get you going immediately! Must take everything at once, no individual pieces. $6601 cash or best offer! 707-579-8966. Ask for PD. By ap- pointment only! The price is right!


Real Estate Services


Stearns Lending Barry O/Meara


Mortages & Real Estate Financing & Lending 707-291-6761


barryo@stearns.com


Down Payment Assistance... continued from page 19 this program is 2.5%.


www.facebook.com/upbeattimes/


It used to be limited to only low performing schools. Tis program will lend you up to $15,000. Again, the monthly payments for the second are deferred until the property is sold, or refinanced. Te MyHome and ECTP can


300 Golf Course Dr, $49 A Month Limited Offer


You Get Headline address, Phone direct link here and online so people can find you instantly.


For month of Feb we’ll offer art FREE. (value $25/month)


707-494-1767 Upbeat Times


+ $


off each month if you buy 6 of these or more. Exp 1/28/2017


10


Upbeat is Positive!


@upbeattimes www.instagram.com/upbeattimes/


be combined with the ZIP pro- gram. Tis allows the buyer to finance their down payment and closing costs. When trying to save up for a


down payment seems impos- sible, and the family tree doesn’t seem to have any rich limbs will- ing to bestow the down payment, CalHFA is here to help.


You


can review all their programs at http://www.calhfa.ca.gov/


twitter.com/upbeattimes/ “Success is not how high you have climbed, but how you make a positive difference to the world.” ~ Roy Bennett


upbeattimes.blogspot.com


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