SPRING GUIDE #1 What’s UP & Events “It’s Always Punny in Petaluma”

FICO on The Move

April 27th ...continued from page 11

follow these simple rules, you should be able to keep your credit score above 700. When lenders price-out a loan for a home mortgage, they use a “risk base pricing” model to determine your final interest rate.

This matrix is 2019 Butter & Egg Days on April 27

Petaluma , CA. ~ The Petal- uma Downtown Association is proud to announce the theme for the 2019 Butter & Egg Days Parade is “It’s Always Punny in Petaluma – Celebrat- ing all that is udder-ly egg- ceptional in Sonoma County and Clo the Cow’s 50th Birth- day.”

The theme was chosen to bring attention to the myriad of businesses and organizations including


cultural produc- ers, manufactur- ers, breweries, distilleries


wineries, food producers, and non-profits who share their creativity, passion and entrepreneurial spirit with us. Although the industries are diverse, a common thread unites them – the joy that comes from being a vibrant contributor to the community. This sense of optimism and enthusiasm is often expressed in fun and slightly irreverent ways. There is no better exam- ple of this than Clo the Cow, the iconic and always grinning mascot for Clover Sonoma. After making her debut on a billboard 50 years ago, Clo’s creative

puns still remind us that there is a lot to smile

about when you live in such a beautiful and bountiful part of the world. This year’s parade theme in-

vites participants to emMOOl- ate Clo’s punny comMOOni- cation and have some fun with their parade floats and ban- ners. Celebrating the Petal- uma comMOOn- ity or Sonoma COWnty are just a couple of the idea starters. “Pet- aluma is known for its


This year’s theme gives our amaz- ing businesses and organizations the


to follow Clo’s lead and show off their originality by

creating puns for their entries in the parade. Whether they choose to pay homage to Clo or celebrate their own organi- zation, the more puns the bet- ter!” says Marie McCusker, executive director of the PDA. The Butter & Egg Day fes-

tivities kick off on April 20th with the Opening Ceremo- nies at the Petaluma Histori- cal Library and Museum (20 Fourth St.), from noon to 1 p.m. Mayor Barrett will read a proclamation honoring the Grand Marshal and Good Egg. One week later on Saturday, April 27th the parade steps

off at noon and will march through

the historic down-

town, surrounded by a festival of fun and activities from 10 a.m. to 5 p.m.

Clover Sonoma will return to lead the Clover Kids’ Pa- rade, which precedes the main parade at 11:30am with a pro- cession of preschoolers and primary grade youngsters and their families.

Cow chips and donkey ap-

ples will take flight at 10:00 a.m. in front of McNear’s. The always popular “Cutest Chick Contest” begins at 10:15 a.m. on the Petaluma Egg Farm stage on Kentucky Street out- side of Copperfield’s Books. Applications for parade entries are now available at www. To receive Early Bird pricing, applications must be received by March 8th at 10 a.m.; the application for regular fees is due by March 15th at 10 a.m. Applications are also avail- able for Good Egg nominees at www.Petalumadowntown. com. The Good Egg Award is presented to a Petaluman whose effort over time has highlighted, contributed

preserved, or to the positive

promotion of Petaluma. The deadline of submitting nomi- nations is February 22. The Butter & Egg Days fes-

tivities continue on Sunday, April 28th when the historic

referred to as a Loan-Level- Pricing-Adjustment (LLPA). The matrix is set up with col- umns and rows broken into credit score ranges. The other columns are broken into loan- to-value ranges. As you may have guessed, the lower the credit scores and the higher the

loan-to-value range is,

gives the highest pricing ad- justments. These pricing ad- justments cost you dollars, in origination fees, or a higher interest rate. Either way, the lower the credit score, the more it is going to cost you. Being able to manage your credit well, and understand- ing how your credit is viewed, can make a huge difference in being able to leverage debts. When you leverage your debts properly, you can take advan- tage of great deals and build a foundation for your future. If you have questions about your credit, we can sched- ule an appointment to review your credit to see if it is being reported correctly. There may be things you could do to im- prove on it.

Until the days get warmer, keep your credit score high and sandbags ready, because things can happen in a “flash”!

downtown district transforms into an open air marketplace for the Spring Antique Faire. Treasure hunt among almost 200 vendors from 8 a.m. to 4 p.m. Visit www.Petalumad- for additional parade and festival informa- tion.

Contact: Lissa Ferreira

“I have studied many philosophers and many cats. The wisdom of cats is infinitely superior.” ~ Hippolyte A. Taine

2019 Russian River Food and Wine Spring Fling!

Guerneville, CA. ~ Held in the tree-lined center of Main Street Guerneville, right next to Lark Drugs (In the event of rain the event will be held in the Guerneville Veterans Me- morial Hall) This is a showcase of locally produced food and wine in the heart of the Russian River Valley, featuring the best in food & wine with small bites and wine tastings from Russian River and Green Valley wineries and restaurants. Hosted by The Russian River Chamber of Com- merce, dedicated to promoting the general welfare and prosperity of the Russian River area business community. For more informa- tion visit or call 707-869-9000

Fri Mar 1 - Luvplanet Sat Mar 2 - The Musers Sun Mar 3 - Gypsy Kisses (4pm) North of the Bay Artists Showcase (7pm) Mon Mar 4 - Pro Jam with Volker Strifl er Tues Mar 5 - Rock Overtime (6:00pm) Rhythmtown- Jive Mardi Gras (8:30pm)

Wed Mar 6 - West Coast Songwriters Thurs Mar 7 - Song Girls: Four Women in Musical Conversation

Fri Mar 8 - Celebrate International Women’s Day w/ Stephanie Teel Band Sat Mar 9 - The THUGZ & Alligator Sun Mar 10 - Gold Coast Jazz Band Mon Mar 11 - The Blues Defenders Pro Jam

Tues Mar 12 - Play it Forward Student Showcase

Wed Mar 13 - Irish Set Dancing Thurs Mar 14 - Cúlarán: Irish Music Fri Mar 15 - Greenhouse: Irish Music Sat Mar 16 - Blues with Bowker 40th Anniversary Show

Sun Mar 17 - Celtic & Irish Jam Sessions Mon Mar 18 - The Blues Defenders Pro Jam

Tues Mar 19 - Trivia Night w/ Rob Neidel Wed Mar 20 - Pop Up Jam Thurs Mar 21 - Faith Ako Hawaiian Music Fri Mar 22 - Gary Nicholson Sat Mar 23 - The Soul Section Sun Mar 24 - Old Time Fiddle & Irish Jam Sessions

Mon Mar 25 - The Blues Defenders Pro Jam

Wed Mar 27 - Irish Set Dancing Thurs Mar 28 - Soulshine Blues Band Fri Mar 29 - Soul Fuse

Sat Mar 30 - Lavay Smith & Her Red Hot Skillet Lickers Sun Mar 31 - Benefi t for SoCo Dance Beat

Live Entertainment Nightly, check our full schedule on website.

Restaurant & Music Venue 8240 Old Redwood Hwy, Cotati

707.795.7868 UPBEAT TIMES, INC. • March 2019 • Pg 17

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