24 • October 2017 • UPBEAT TIMES, INC.


SANTA ROSA, CA. ~ Fall is in the air. T e days are getting shorter and evenings getting cooler.


Landscapes are be-


ing carpeted with leaves and acorns, and I know my week- ends will be full of fi ll- ing the yard waste bin! T e trees that graced me with shade throughout


the summer, litter my yard throughout


the fall, bar- ing their branches. Fall


also


marks the harvest season for grapes and wine making. Oc- tober is fi lled with Harvest Fairs and Farm-To-Table cel- ebrations with which to map out our weekends.


playoff s conclude, and foot-


Autumn Gold! by Barry O'Meara • barryo@stearns.com


ball season begins. Overall, October is one of my favorite months.


It even ends with the


celebration of Halloween! T e only thing not “falling” right now is home values.


If


you were once underwater with your mortgage, you most likely are back in an equity posi- tion.


Eq-


uity is the value of your home, less any outstand- ing mortgage or other liens you have tied to your property.


Baseball


Having equity is a great feel- ing, and is a strong indicator of consumer confi dence. T e value we see now is sustain- able and a strong indicator of a healthy economy. With equity comes opportunity! T is op-


Windsor Middle School Presents:


Sun Oct 1 - Gypsy Kisses Tues Oct 3 - Patrick Sweany Thurs Oct 5 - Tsonoma Fri Oct 6 - Cheap Date 13 & PI Jacobs Sat Oct 7 - Johnny Allair & Julia Harrell Tues Oct 10 - Art Reception w/ music by French Oak Gypsy Band Fri Oct 13 - Jon Gonzales & Family Sat Oct 14 - Midnight Sun Massive Sun Oct 15 - Gold Coast Jazz Band Thurs Oct 19 - ThornRose Sat Oct 21 - David & Linda Lafl amme/It’s a Beautiful Day


Sun Oct 22 - Fiddle & Irish Jam Session


See Our Very Talented Cast of Students Perform T is Incredible Musical!


NOVEMBER 16TH & 17 at 7pm Windsor Middle school Multipurpose room!


Questions? 707-838-3341 ~ www.windsorperformingarts.net Admission is FREE but Donations


are Greatly appreciated! 9500 Brooks Road South, Windsor, CA. 95472 24 • October 2017 • UPBEAT TIMES, INC.


Wed Oct 25 - Pop Up Jazz Jam Thurs Oct 26 - Memory Lane Combo Fri Oct 27 - Sang Matiz


Sat Oct 28 - Gold Coast Jazz Band (3-6) Rockin’ Johnny Burgin (8:30pm) Sun Oct 29 - Celtic & Irish Jam Session Tues Oct 31 - Gator Nation


Open Mic with DJ Loisaida every Monday except the fi rst one.


Live Entertainment Nightly, check our full schedule on website.


Restaurant & Music Venue 8240 Old Redwood Hwy, Cotati 707.795.7868


RedwoodCafe.com Our friends from Trader Joe’s take a moment for Upbeat! “A house is never small or empty, when fi lled with love.” ~ Anthony Liccione vantage of the county- relaxed-guidelines and build out that Accessory Unit


(Granny Unit). Or consolidate debt and make your life more manageable. T ere are lots of reasons to refi nance and ev- eryone’s motivation is both personal and diverse. Along with this new-found


equity, Fannie Mae has made an announcement that if you are consolidating to pay off


portunity may be the ability to tap into that equity and make your life more comfortable. Interest rates are still holding strong at historic lows. Being able to tap that equity could mean you can take care of that deferred main- tenance, or take ad-


BIG FALL GUIDE 2017 ~ EVENTS, ENTERTAINMENT, FOOD AND More! Dec. 3, 7, 8, 9


student loans, they will con- sider the refi nance a “rate and term”, meaning it would not be considered a “cash-out” re- fi nance. T is is great news. When pricing out a loan, taking cash-out has a pricing bump that could af- your fi nal


fect interest rate. And be- ing able to get rid of those stu-


dent loans can take a monthly burden off your back. Whatever your motivation


might be, refi nancing can be much easier and seamless. Documentation needed in lending is as simple as click and drop. Many banks can provide statements in a PDF and payroll services can al- low you to download your pay statements and W-2s, and they can be securely uploaded in “drop box” app. No longer are we struggling to fi nd those lost forms and statements when we can access everything online. As we wrap up the harvest


and sip our favorite beverages, the sun sets earlier.


So, since


the Giants most likely won’t be in the play-off s I’ve decided we should root for making our homes the hero. When things don’t go as planned, fi nd the silver lining and go for the gold!


“A Christmas Fantasia”


Healsburg, CA. ~ Healdsburg Chorus will present “A Christ- mas Fantasia” at the Glaser Center, Santa Rosa and Dec. 3rd & 7th-9th: Healdsburg Community Church. Jim Hum- phreys, our fearless leader, has been at work since our spring concert’s echo died away, sift- ing through music, old and new, creating that perfect mix of “fantasia”


(unstructured


work) and songs about winter and the winter holidays. Susan Nelson, our accom- panist, has also been at work practicing this wonderful mu- sic to create magic at the key- board. We look forward to your participation by singing with us, making a donation, and/or being in the audience. Thank you for your ongoing sup- port. Time: Dec. 3: 3-4:30pm, Dec. 7-8 - 7-8:30pm, Dec. 9: 3-4:30pm. Cost: $15. Brenda Balding. winblb2@gmail.com


“Happily ever aſt er doesn’t just


happen because you’ve found the love of your life. Happiness is a


personal choice.” Tracie Sage


Upbeat in Petaluma, CA!


THE MORTGAGE COACH


TM


Getting To Know...


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