Silicon Valley Community Calendar -- July

Here is an update to some of the events and on-going programs you might want to put on your calendar for July. These are selections from Sunnyvale, Cupertino, Mountain View, Santa Clara and other communities in Silicon Valley.

• July 1: No City Council Meeting
• July 2, 9, 16, 23, 30: Kiwanis Club of Silicon Valley, 7:20am, 408-774-0609
• July 2: American Association of Retired Persons (AARP), monthly meeting, 1:30pm, 408-296-3805
• July 2: Downtown Music and Market Series, The Hitman, 5-8pm, 408-516-7217
• July 2: American Association of Retired Persons (AARP), monthly meeting, 1:30pm, 408-296-3805
• July 2: Heritage Preservation Commission Meeting, 7pm
• July 3: SNAIL Neighborhood Association, monthly, 7pm
• July 3-27: California Theatre Center presents – The Matchmaker, 408-733-6611
• July 4: Fourth of July / Independence Day – City Offices Closed
• July 4: Star Spangled Sunnyvale – Community Picnic, Baylands Park, Noon-2pm, 408-730-7751
• July 5, 12, 19, 26: Sunnyvale Farmer's Market, 9:00am, 510-745-7100
• July 6, 13, 20, 27: Fair Oaks Toastmasters, 11:30am
• July 7: Board of Library Sunnyvale Trustee’s Meeting, 7pm
• July 9: Downtown Music and Market Series, Andre Thierry (zedeco), 5-8pm, 408-516-7217
• July 9: Sunnyvale Parks and Recreation Commission Meeting, 7pm
• July 9: Lakewood Village Neighborhood Association, monthly, 7pm
• July 10: WakeUp Sunnyvale!, Sunnyvale Chamber of Commerce Networking Breakfast, 7:29am, 408-736-4971
• July 11-25: California Theatre Center presents – Mary’s Wedding and The Dock Brief, 408-733-6611
• July 12: Astronomer Extraordinaire, Andrew Fraknoi, 2pm, Sunnyvale Public Library, 408-730-7300
• July 14: San Miguel Neighbors Association, General Meeting, 7pm
• July 15: Sunnyvale City Council Meeting, 7pm
• July 16: Downtown Music and Market Series, Sage, 5-8pm, 408-516-7217
• July 17: Sunnyvale Bicycle & Pedestrian Advisory Commission Meeting, 6:30pm
• July 17: Ventriloquist Steve Chaney, 7pm, Sunnyvale Public Library, 408-730-7300
• July 19: Compost Workshop, 10am
• July 19: Household Hazardous Waste Drop-Off, 8am-1pm, Sunnyvale residents, 408-730-7262, TDD 408-730-7501
• July 19: Friends of the Library Book Sale, 10am-4pm, 408-730-7300
• July 21: Personnel Board Meeting, Sunnyvale, 5pm
• July 21: An Evening with Opera San Jose, 7pm, Sunnyvale Public Library, 408-730-7300
• July 22: Child Care Advisory Board Meeting, Sunnyvale, 1pm
• July 22: Scrapbooking with Linda Levine, Sunnyvale Public Library, 6:30pm, 408-730-7300
• July 23: Downtown Music and Market Series, Mama Pacho, 5-8pm, 408-516-7217
• July 23: Glaucoma Support Group of the South Bay, 6:30pm, 408-523-3221 or 408-404-8479
• July 24: Sunnyvale Business Mixer, Sunnyvale Chamber of Commerce, 5-7pm, 408-736-4971
• July 28: Planning Commission Meeting, Sunnyvale, 8pm
• July 30: Downtown Music and Market Series, Dub FX, 5-8pm, 408-516-7217
• Glaucoma Support Group of the South Bay, 6:30pm, 408-523-3221 or 408-404-8479
• July 30: Jewish Literature: Let’s Talk About It Book Discussion, Sunnyvale Public Library, 7pm, 408-730-7300

• Mondays, Wednesdays, Fridays: Computer and E-Waste Recycling, 8:00am-4:30pm, Cupertino proof of residency
• Every Wednesday: Silicon Valley Toastmasters, 5pm, 260 S. Sunnyvale Avenue, Suite 4
• Every Wednesday: South Bay Community Orchestra, Noon-1:00pm for strings, 1:00-4:00pm for full orchestra
• Every Saturday: Family Astronomy Evenings, De Anza College Planetarium, 6:00pm, 7:00pm or 8:00pm
• Every Second Monday of Month: Fine Arts League of Cupertino, Quinlan Community Center, 7:00pm

Thanks for reading!

Median Price Comparison Tables for Silicon Valley

Here are some calculations I made comparing May 2008 with May 2007 median prices for both single family and condos/townhouses. These data are from the MLSListings statistics of actual transactions in both months.

Newspaper articles utilize data from DataQuick, a firm that compiles property transfer information for it's subscribers. The problem with DataQuick information is that they first combine all transfers of single family homes, condos and townhouses, mobile homes. In addition, DataQuick includes transfers that are NOT sales like transfers in a divorce and family transfers where parents transfer property to their children where there is no money changing hands. For example, in a divorce a court may order a spouse to transfer a home to the other spouse for $120,000 when the market value of the home was closer to $800,000. In a family transfer where there is no property tax reassessment, these values are recorded at a zero value. These "transactions" or transfers are part of DataQuick's database and are counted as $120,000 and $0, respectively! DataQuick provides subscribers like the San Jose Mercury News this information. MLSListings, on the other hand, captures only actual sales transactions that are based on a buyer willing to step up and put money toward the purchase of a home -- a far more reliable an indicator of market value.

In the tables below, notice the wide variances between the types of properties as well as within the different counties. Another interesting comparison is the difference between the percentage changes from the lowest 10% (10th percentile) and the highest 10% (90th percentile), especially in Santa Clara and San Mateo counties but also evident in Santa Cruz and Monterey counties.

Single Family - Median Prices	Santa Clara	San Mateo	Santa Cruz	Monterey
Lowest 10%	-30.0%	-21.2%	-38.1%	-55.7%
Median 50%	-9.8%	-10.6%	-19.6%	-48.2%
Highest 10%	-3.9%	+18.9%	+1.5%	-34.6%

Condo/Townhouse Median Prices	Santa Clara	San Mateo
Lowest 10%	-15.0%	-24.3%
Median 50%	-6.9%	-14.9%
Highest 10%	+7.0%	-7.5%

For my latest market update report please refer to: http://behindtherealestatescenes.blogspot.com/2008/06/june-silicon-valley-real-estate-market.html


Please let me know if you have any questions or have comments.

Thanks for reading!

June Silicon Valley Real Estate Market Update

This information summary and analysis uses MLS Listings Inc. (MLS) transactional data for May 2008. For single family homes in Santa Clara County, May saw a reduction of closings of 12% from May 2007. There were 871 closings in the month with 1268 initiated sales (accepted offers) that indicates that closings in June will likely continue higher. This drop from last year occurred across the board in each of the counties I track closely: Santa Clara, San Mateo, Santa Cruz and Monterey. All counties registered more sales than in April, in keeping with the normal seasonal uptrend towards Memorial Day. Monterey County was the only county of the four which saw an increase in closings from May 2007, an indicator of improving market conditions.


Inventory of available single family homes in Santa Clara County was 5,460, down from a record-high 5,540 last month and up from 3,792 in May 2007. San Mateo county is reached an all-time high of 1,720, up three homes from last month. Both Santa Cruz and Monterey available homes dropped from last month but are still near their all-time highs for available homes.


Days of Unsold Inventory (DUI) or the intersection of the inventory (supply) with the recent sales level (demand), shows Santa Clara County at 110, an improvement from 131 last month and even compared to May 2007. San Mateo County is at 99, down from 122 last month. Santa Cruz County has a DUI reading of 147, down sharply from 186 last month. Monterey County showed DUI at 159, also down sharply from 208 last month. Please remember that a lower figure is good here and that a declining measure represents an improvement in the market. Clearly, even with the drops in this indicator, these still are indicating a buyer's market condition as a reading of DUI of 90 or above depicts. For comparison, a seller's market will have a DUI of less than 45 and a balanced market will have a DUI between the two. Keep in mind that these are county-wide averages. The wider area you measure, the statistics are less reliable as a decision tool for any specific area or neighborhood and also that there is often an incredible variation between those areas experiencing terrible market conditions compared to those at virtually the other extreme. As I've mentioned, real estate is local (down to the neighborhood level in some cases) and market conditions can vary within each county and even within cities by a large amount. For instance, within Santa Clara County, Los Altos, Mountain View and Palo Alto have the best market climates in the county with a DUI reading of 52, down from 57 last month, while Morgan Hill, San Martin and Gilroy have the worst reading of 187, dropping from 245 last month. The following table is a ranking of Santa Clara County cities or areas with their current DUI readings compared to last month's calculation as well as my notations as to the type of market the area is in (seller's, balanced or buyer's) and the recent direction of change in this indicator. Even though there are a lot of "better" notations made, many of these areas are still in what we call a "buyer's market" and have poor market climates. Just some markets are much better off than others.

Mountain View, Los Altos, Palo Alto	52	61	Balanced/BETTER
Cupertino	62	62	Balanced/SAME
Sunnyvale	65	86	Balanced/BETTER
Santa Teresa	66	210	Balanced/BETTER
North Valley	77	152	Balanced/BETTER
Campbell	79	94	Balanced/BETTER
Santa Clara	88	125	Balanced/BETTER
Cambrian	90	88	Balanced/WORSE
Almaden Valley	92	85	Buyer's/WORSE
Blossom Valley	95	125	Buyer's/BETTER
South San Jose	108	250	Buyer's/BETTER
Willow Glen	108	150	Buyer's/BETTER
Milpitas	110	138	Buyer's/WORSE
Los Gatos	120	185	Buyer's/BETTER
Evergreen	130	152	Buyer's/BETTER
Downtown SJ	135	178	Buyer's/BETTER
East Valley	146	236	Buyer's/BETTER
Saratoga	148	96	Buyer's/WORSE
Morgan Hill/Gilroy	187	298	Buyer's/BETTER
Los Gatos Mountains	236	340	Buyer's/BETTER

The median price for single family homes in Santa Clara County was $775,000 down from $859,000 the same month a year ago which was just off our record high and down from $799,000 in December. This is a decline of 10.8% from that record high. There is still an emphasis (overweighted percentage) of higher-priced homes sold as opposed to the more affordable homes but not as pronounced as last year when the sub-prime loan problems started in February 2007 and really took hold last August when mortgage interest rates jumped upwards, especially for jumbo size loans. The bottom 10% median selling price was $445,000 in May and showed a decline of 30.0% from the same month a year ago and the top 10% median price was $1,700,000 saw a drop of only 3.9% from May 2007. The northwest quadrant of the county including Palo Alto, Mountain View, Los Altos, Cupertino and parts of Sunnyvale (zip 94087) are at or near their all time highs while county-wide medians are down. With few exceptions, the single family home markets become weaker when you cross Lawrence Expressway heading east. Median price comparisons for single family homes by county for May 2008 were:

County	May 2008	May 2007	Percentage Change
SANTA CLARA	$775,000	$859,000	-9.8%
SAN MATEO	852,500	953,500	-10.6
SANTA CRUZ	626,500	779,000	-19.6
MONTEREY	360,000	695,000	-48.2

I thought it interesting to present the following table that shows the May 2008 change from record high median prices for each county. Of particular note is the extreme price adjustment that has been going on in Monterey County.

County	May 2008	Record High (m/y)	Percentage Change
SANTA CLARA	$775,000	$868,406 (4/07)	-10.8%
SAN MATEO	852,500	1,026,282 (10/07)	-16.9
SANTA CRUZ	626,500	790,000 (8/07)	-20.7
MONTEREY	360,000	799,500 (8/07)	-55.0

The price range with the lowest DUI is called the "sweet-spot" of the market for single family homes. For May, it remains the $1,000,000 to $2,500,000 range. Next comes the $750,000 to $1,000,000 range and then the under $450,000 range. For condo/townhouses the picture is similar but slightly better with a DUI reading of 124, an improvement from 168 last month.

Potential real estate investment buyers continue to see poor numbers for multiunit properties at 403, an improvement from 447 last month. This means under the current rate of sales of multi-unit properties, there are about 1.10 years of unsold supply! Better opportunity to negotiate. The "sweet-spot" of the multi-unit or investor class is also in the range of $1,000,000 to $2,500,000. Lenders have substantially increased the borrower's minimum requirements to obtain a loan for investor property purchases AND many are not allowing the use of home equity credit lines for their down payments so I forecast that this area will remain weak and characterized as a buyer's market. This remains an area of opportunity for smart, long term investors with adequate down payments. Rental vacancies are relatively low and rates continue to increase. In Santa Clara County, rents are estimated to increase 10-12% in 2008.

Why is following all these trends and statistics worth it? I believe that informed clients make the best decisions. The research and staying on top of the changes to market conditions allows me to properly advise my clients on the appropriate strategy to employ so that they make the best decision possible whether they decide to buy or sell. This is one area I part company from other real estate agents as only a relative handful of agents invest the time to study the trends. Most other agents spend the bulk of their time working on self-promotion ads for newspapers, magazines and stuff that fill your mailbox with either "brag" cards or "spray and pray" cards. Beware the various media sound-bites or headlines as they generalize too much (i.e., the national real estate market, the Bay Area real estate market, etc.). If you generalize too much you lose the fineness of being able to use current information strategically to make better decisions.

If you have any comments or questions, please feel free to post them here or send me an email at tom.mcevoy@remax.net.

Thanks for reading!

Holy Grail -- Watch Out!

Investors in stocks and commodities have an uncanny ability to always search for the holy grail, the magic bullet, the easy way to riches (or decisions). Lately even home buyers and real estate investors have been seen looking for one.

Only a few years ago (2001 for the expanded city list), Robert Shiller and Karl Case, economists at Yale and Wellesley, respectively, developed an index they call the Case-Shiller Home Price Index. This index computes home values for 20 major metropolitan areas around the country and conveniently boils it down to a single composite number like the price for a barrel of oil.

Shiller's and Case's purpose in this was to license the index exclusively to a firm, MacroMarkets LLC, founded by Shiller for "developing, structured and trading financial instruments" mentioned on the web site. Options and futures on the index are traded on the Chicago Merchantile Exchange (CME) to directly invest in and hedge U.S. housing.

As you may know, you can purchase options and futures contracts on virtually anything you can think of -- stocks, commodities, and yes, even indexes, like the S&P 500. There is no reason that an index on real estate prices should be left out.

The only problem is that some would-be home buyers and real estate investors are using this index (or a separate one for a metro area) as a decision tool to time the market. What's more, they even heed Shiller's forecasts calling for scary, 30% plus drops in housing prices which he told the Associated Press last month. Shiller doesn't know what prices will do and neither does anybody else.

There are a couple of flaws I see in the use of something like this to help someone make a decision. The first of which is that the index is calculated on a three-month moving average and released with a two month lag. This means that the May's report is releasing March's information. The second flaw is that using a broad-based index to make a decision for a particular community or neighborhood will likely produce an incorrect assessment and a wrong decision.

Remember the wider or broader you go in the information pool you use for real estate trend analysis, the greater the potential error you build in for a particular area under consideration. Now, I'm not an advocate of the "flying by the seat of my pants" style of analysis but am a proponent of highly-focused research into the market dynamics of the area of interest in as small an area as practical. I provide clients market intelligence information on trends, trend changes, supply and demand at the neighborhood level in order for them to make a better decision to either buy or sell.

Personally, I use indexes all the time and will even use the Case-Shiller when I want to trade the index. After all, its easy to get an indication of general stock price movements by what the Dow Jones Industrials or the NASDAQ averages did. But would you use that input to make a decision to buy or sell a particular stock? I hope not! Same goes for real estate. When I'm advising a client contemplating making a change, let's say, in Willow Glen, then I'll research Willow Glen, not use as the basis of my advice the Case-Shiller index for the entire San Francisco metropolitan area. I'm afraid it wouldn't be relevant and of much help!

In Sunnyvale, there are presently three distinct market areas and each of them pose an opportunity to understand so that the proper strategy can be applied. I wouldn't advise approaching the market in one area of Sunnyvale, for instance, with an indicator that is constructed of information related to markets in San Francisco, Oakland and Fremont.

Thanks for reading!

Real Eats -- Alexander's Steakhouse, Cupertino, CA

It's not often that after a meal, I take home about half of my dinner but it happened recently at Alexander's Steakhouse in Cupertino. Recently there for an anniversary celebration dinner with my wife of thirty years, we enjoyed ourselves immensely. Our older son was taken there last year for his birthday by his girlfriend and has raved about it ever since. So he said next special-occasion dinner you've got to try this place. In addition to just telling us, our two sons encouraged us by buying us gift cards to use.

My wife started by making reservations for our special night on opentable.com. On the website, they ask about any special comments or requests. My wife merely typed in a request that we get a nice table for our 30th Anniversary. Little did we know the comment would set in motion a whole host of things starting when we arrived. The hosts congratulated us on our anniversary (are we the only ones?) and seated us at a nice corner table away from the major aisles.

Next up, our servers, Jennifer and helper Andrew, presented us with two flutes which were immediately filled with a Spanish "champagne" or sparkling wine for a toast. Very classy! The wine was a little on the sweet side but woke up our palates nicely.

For a starter, we opted to split a Caesar salad and we're glad we did. The salad, made with full romaine lettuce leaves was excellently prepared with a slightly-tangy dressing was plenty for the both of us.

We were tipped off by our son that the dinner portions were quite large so we didn't order a bunch of starters though they had an impressive selection of small plates ranging from sashimi to lamb chop to foie gras to popcorn crab. The also offered a tasting menu as well as an Omakase and Iron Chef-inspired tasting menus from their executive chef, Jeffrey Stout.

My wife ordered their small filet mignon that came with shitake mushrooms, scallions and candied bacon. Cooked to perfection, she just loved it!

A lover of ribeye, I ordered their two-pound plus bone-in ribeye that was in a BBQ demi-glace and was served with some roasted tomatoes. The beef was just superior to others I've had and was so tender and full of flavor. To accompany the entree, I chose a glass of Cannonball Winery, 2005 Cabernet Sauvignon that paired well with the ribeye.

As dinners are al la cart, we ordered some sides to accompany our dinners. One, was a large baked potato which, as requested, had "goodies" served on the side so we could control the portions to our liking. We also ordered a side of asparagus which we found a bit disappointing. There weren't many spears and the rouille and saffron bread crumbs (served on the side as we requested) were tasty but still left us a bit disappointed in the overall dish. The best side was our third selection of crimini mushrooms. These were plentiful and were excellently-prepared in sherry wine with leeks. Outstanding taste and value!

I failed to mention that in-between the courses, they treated us to some very nice palate-cleansers. They included: tasty cracker topped with marscapone cheese and smoked salmon; and, disk of cucumber jelly topped with a raspberry.

Do to the quantity of food we ordered (and the wonderful, personalized cake I had at home) we opted not to order a dessert from Alexander's but our server, Jennifer, said we shouldn't run off. Shortly they arrived with a special platter with chocolate-scripted "Happy 30th Anniversary" on it that had a small brownie bite served with a couple of berries and whipped cream. What a surprise!


Now, it seems that our son was correct! A very impressive eatery with excellent, even personalized service and decor. Who could ask for anything more on our anniversary!


Alexander's Steakhouse
10330 N. Wolfe Road
Cupertino, CA 95014
408-446-2222
www.alexanderssteakhouse.com

Thanks for reading!

Silicon Valley Community Calendar -- June

Here is an update to some of the events and on-going programs you might want to put on your calendar for June. These are selections from Sunnyvale, Cupertino, Mountain View, Santa Clara and other communities in Silicon Valley.

• June 1, 8, 15, 22, 29: Fair Oaks Toastmasters, 11:30am, 408-251-2521
• June 2: Sunnyvale Board of Library Trustees Meeting, 7:00pm
• June 3, 10, 24: Sunnyvale City Council Meeting, 7:00pm
• June 4, 11, 18, 25: Kiwanis Club of Silicon Valley, 7:20am, 408-774-0609
• June 4: American Association of Retired Persons (AARP), monthly meeting, 1:30pm, 408-296-3805
• June 4: Heritage Preservation Commission Meeting, 7:00pm
• June 4, 11, 18, 25: Silicon Valley Toastmasters, 5:00pm, call 866-387-4086
• June 5: SNAIL Neighborhood Association, monthly, 7:00pm
• June 6: Heritage District Neighborhood Association, 7:30pm
• June 7, 14, 21, 28: Sunnyvale Farmer's Market, 9:00am, 510-745-7100
• June 7 & 8: Sunnyvale Art & Wine festival, 10:00am-6:00pm, Downtown Sunnyvale
• June 8: Sunnyvale Art Club Exhibition, Noon-6:00pm, Sunnyvale Public Library, 408-730-7300 or visit www.sunnyvalelibrary.org
• June 9: San Miguel Neighbors Association, general meeting, 7:00pm
• June 9, 23: Sunnyvale Planning Commission Meeting, 8:00pm
• June 10: NASA’s Phoenix/Messenger Update, 7:00pm, Sunnyvale Public Library
• June 11: Sunnyvale Parks and Recreation Commission Meeting, 7:00pm
• June 11: Lakewood Village Neighborhood Association, monthly, 7:00pm
• June 12: Wake Up Sunnyvale!, Sunnyvale Chamber of Commerce Networking Breakfast, 7:29am, 408-736-4971
• June 16: Sunnyvale Personnel Board Meeting, 5:00pm
• June 18: Sunnyvale Arts Commission Meeting, 7:00pm
• June 19: Sunnyvale Bicycle & Pedestrian Advisory Commission Meeting, 6:30pm
• June 21: Compost Workshop, 10:00am
• June 21: Household Hazardous Waste Drop-Off, 8:00am-1:00pm, Sunnyvale residents, 408-730-7262, TDD 408-730-7501
• June 21: Loss, Trauma and Young Children, 9:00am-2:30pm, Free class but space is limited, call 408-523-8150 ext. 22 for locations and to register
• June 25: Sunnyvale Housing and Human Services Commission Meeting, 7:00pm
• June 25: Glaucoma Support Group of the South Bay, 6:30pm, 408-523-3221 or 408-404-8479
• June 26: Sunnyvale Chamber of Commerce Business Mixer, 5:00pm, 408-736-4971

• Mondays, Wednesdays, Fridays: Computer and E-Waste Recycling, 8:00am-4:30pm, Cupertino proof of residency
• Every Wednesday: South Bay Community Orchestra, Noon-1:00pm for strings, 1:00-4:00pm for full orchestra
• Every Saturday: Family Astronomy Evenings, De Anza College Planetarium, 6:00pm, 7:00pm or 8:00pm
• Every Second Monday of Month: Fine Arts League of Cupertino, Quinlan Community Center, 7:00pm

NOTE: Remember the annual Sunnyvale Art & Wine festival on June 7 & 8 from 10:00am to 6:00pm. Last year it drew an estimated 150,000 attendees for the two-day event and is regarded as the largest of this kind of event in Northern California.

Thanks for reading!

Memorial Day 2008 Bay Area Events

The following events celebrate Memorial Day the right way around the Bay Area. All events are held on Monday, May 26^th, 2008.

Gilroy’s Memorial Day – remembrance and parade, 9:00am, Eighth and Monterey streets, Gilroy. www.gilroyparade.com

Memorial Day at Madronia – 80^th annual remembrance ceremony, 9:00am, Memorial Arch at Blaney Plaza, Oak Street near 6^th Street, Saratoga. 408-867-3428

Santa Clara Mission Cemetery – Mausoleum steps service will include “Taps” played in honor of all vets, 10:00am, 490 Lincoln Street, Santa Clara. 408-296-4656

Mission City Memorial Park – Service honoring our fallen soldiers, 10:30am, 420 N. Winchester Blvd., Santa Clara. 408-615-3790

Santa Clara Veterans Memorial in Central Park – color guard, memorial services, rifle squad, “Taps”, 3:30pm, 969 Kiely Blvd., Santa Clara. 408-296-2512

Oak Hill Memorial Park – honors veterans of past wars, 11:00am, 300 Curtner Avenue, San Jose. 408-297-2447

American Legion Memorial Day Ceremony – speakers will speak on veterans’ sacrifices and history of Memorial Day, 10:00am, 1159 Bush Street, San Carlos. 650-595-9998

Memorial Day Service at the Presidio of San Francisco – Main post parade, program, cemetery walks and concert, 10:30am, Presidio of San Francisco. 415-561-5500 or visit www.nps.gov/prsf/planyourvisit/events.htm

Memorial Day aboard the USS Pampanito – docked at Pier 45, Fisherman’s Wharf, 5:00pm, Taylor and Embarcadero streets, San Francisco. 415-775-1943

USS Hornet Museum Memorial Day Ceremony – honoring fallen soldiers with wreath throwing, presenting colors, 1:00pm, Pier 3, Alameda Point, Alameda. 510-521-8448

Veterans Memorial Day Service at Lone Tree Cemetery – Michael Emerson will speak on the Gettysburg Address, free food and drinks, 11:00am, 24591 Fairview Avenue, Hayward. 510-582-1274

Thanks for reading! Have a safe Memorial Day weekend.