Alt-A Could Be for you! ...continued from page 29

"No Bad News is...Good News!" In Great

rowers must put integrity first in their selection of broker, while investors must absorb the risk of borrowers rejected by banks... which still leaves the big question: bank money security or hard money risk? But what if you could find If a client

middle ground?

falls just short of qualification for conventional or traditional financing (Fannie Mae, FHA, Portfolio lending, etc.), there is now a new hard money program on the market offer- ing lower rates as low as 6 percent. It is called the Alt-A Hard Money Loan. For more information about

the new Alt-A Hard Money Loan program you can contact Sun Pacific Mortgage & Real Estate. Forest Tardibuono or Ken Walker at (707) 523-2099 will help answer questions.

Mention Upbeat Times. as Source: See ad on page 11...

Sonoma County, CA. ~ All of us at Upbeat Times would like to thank Zak Zaikine for his many years of whimsical and creative Horoscopes! We have known Zak for over 30 years and he is a wonderful person and an awesome artist and friend. He will no longer be con- tributing because of ongo- ing health issues and is also retiring. We will miss him and wish for a speedy recovery.

You can send him an e-mail at

At Exchange Bank, we’re not only your bankers, we’re your neighbors too.

The sort of neighbors that wave hello, always mow their lawn, and have 129 years of financial expertise.

From home loans to checking accounts, we’ve got all your financial needs covered. Learn more at


Appreciation Yesterday,

Tapping Her Way ...continued from page 25 I


Our December paper arrives by December 3rd, Upbeat


while standing in a long line and ... voila ... I didn't care anymore.

I also saw a different sur- rounding and it was quite changed.

The children were entering

Kindergarten. Their sign said "first" and it was their first day - for KINDERGARTEN.


Our entire paper is strictly for entertainment purposes and nearly 100% positive in nature. From time to time there are a few mistakes, and occasionally a few spelling errors. Also, some of the information/jokes/ facts may or may not be true as well as the sources of information that are contributed. We can guarantee with certainty that we thoroughly check all sources of information. Sum thymes wii allsew mzspell uh bunch uv wurds tu dryve peepull crayzee. Hope u lyk et!!! Just remember not to take life to seriously. For those of you who r critics...our fan base is 99.999% happy! We mostly hope that after reading this paper you might smile a bit more, learn something new or be a bit more inspired by life. Give a copy of Upbeat Times to someone would could use GOOD NEWS! Paul Andrew Doyle

, 2019! JOKES & Humor #6

The pro football team had just finished their daily practice session when a large turkey came strutting onto the field. While the players gazed in amaze- ment, the turkey walked up to the head coach and demanded a tryout. Every- one stared in silence as the turkey caught pass after pass and ran right through the defensive line. When the turkey returned to the side- lines, the coach shouted,

"You're terrific!!! Sign up for the season, and I'll see to it that you get a huge bonus." "Forget the bonus," the tur- key said, "All I want to know is, does the season go past Thanksgiving Day?"

NMLS #643948


"In the end it's about the work, not an award you get for the work." ~ Linda Fiorentino

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