You may be able to refinance even if you owe more than your home is worth with the Federal Government’s new Home Affordable Refinance Program (HARP)1.
Diana Boyd
Mortgage Loan Officer
NMLS# 487417 541-880-7192 541-892-2400 Cell
Mark Legget Mortgage Loan Officer
NMLS# 487485 541-880-7171 541-892-0195 Cell 1) Certain credit qualifications and other restrictions apply.
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* 4 50% reduced deposit 2013 Holiday cruises) you will receive all4 four offers reduced below: 50% deposit* ExplorE your TA Call to action and Address here FREE Signature Beverage Package — or, for select Caribbean and on up to three lineslogo logo world with1four logo Mexico sailings, receive a us$50 Beverage Card* as needed Extraordinary offErs 2 FREE specialty restaurant dinner* logo Make your next voyage an incredible value with Holland America Line’s
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3 FREE or reduced cruise fares for 3rd/4th guests*
“Friendly Service with a World of Experience”
new Explore4 offers. When you book select 2014 sailings (and December * *Explore4 offers are per person based on promo ZX, double occupancy, for 1st and 2nd guests sharing a stateroom and excludes 3rd/4th 4 you 50%will reduced deposit 2013 Holiday cruises) receive all four offers below: guests, except as provided herein. Not combinable with Shipboard Credit offers. Free Signature Beverage Package is valued at $50 ExplorE your TA Call to action and Address here *Explore4 offers are per person per basedperson on promo ZX, 1st and 2nd guests on sharing and excludes perdouble dayoccupancy, and isfornot available thea stateroom land portion of Alaska Journeys. Signature Beverage Package has a daily limit of FREE Signature Beverage Packageguests, — or, foras select Caribbean and at3rd/4th theLand+Sea Corner of 8th and Pine except provided herein. combinable withup Shipboard Credit offers. Free Signature Beverage Package is valued at $50 on to three lines world with1four 15Notbeverages priced $7 or lower, andSignature includes a 15% charge. Signature Beverage Package excludes beverages priced over $7 and per person logo per day and * is not available on the land portion of Alaska Land+Sea Journeys. Beverage Packageservice has a daily limit of Mexico sailings, receive a us$50 Beverage Card *Explore4 offers areZX, per person based on promo ZX, double occupancy, for 1st and 2nd sharing a excludes stateroom3rd/4th and excludes 3rd *Explore4 offers are perdouble person based on promo ZX, double occupancy, for and 2ndand guests sharing aguests stateroom and *Explore4 offers *Explore4 areBeverage per person offers are based per person promo based ZX, on promo foroccupancy, 1st andon 2nd for guests 1st and sharing 2nd guests a 1st stateroom sharing a stateroom excludes 3rd/4th and excludes 15 beverages priced $7 or lower, purchases and includes a 15% Signature Package excludes beverages priced over $7occupancy, and asservice needed made incharge. Signature Shops, Mini Baron and In Room Dining, ordouble beverages Half Moon Cay. Signature Beverage Packages are3rd/4th not Extraordinary offErs purchases made in Signature Shops, Mini Bar and Inguests, Room Dining, or beverages on Half herein. Moon Cay.Not Signature Beverage Packages are provided notNot guests, except as herein. Not combinable Shipboard Credit offers. Free Beverage Package guests, except as provided herein. combinable with Credit offers.agree Free Signature Beverage Package is valued at $50is valued at except guests, as provided except as provided combinable herein. Not with combinable Shipboard with Credit Shipboard offers. Free Credit Signature offers.orwith Free Beverage Signature Package Beverage is valued Package atSignature $50 is valued at $50 * transferable Participants may order only drink atand must be 21Shipboard years older not to give alcoholic drinks toof 2 FREE specialty restaurant dinner transferable or refundable. Participants may order onlyor onerefundable. drink at a time, must be 21 years or older and agree not to person giveone alcoholic drinks to a time, per per day ison not available on the land portion ofand Alaska Land+Sea Signature Beverage Package per person per day and is not available theof land portion of Signature Alaska Land+Sea Journeys. Signature Beverage a daily limithas of a daily lim per person per per day person and is per not day available and ison not the available land portion on the of land Alaska portion Land+Sea Alaska Journeys. Land+Sea Journeys. Beverage Signature Package Beverage has aJourneys. Package daily limithas of a Package daily limithas minors. No sharing is permitted. Beverage management reserves the right to revoke the Signature Beverage Package if misused and reserves *Explore4 offers are per person based on promo ZX, double occupancy, for 1st and 2nd guests sharing a stateroom and excludes 3rd/4th guests, except as provided herein. Not combinable with Shipboard Credit offers. Free Signature Beverage Package is valued at $50 per person per day and is not available on theifland portion of Alaskaand Land+Seareserves Journeys. Signature minors. No sharing is permitted. Beverage management reserves the right to revoke the Signature Beverage Package misused Make your next voyage an incredible value with Holland America Line’s 15Free priced $7includes orShops, lower, and includes a 15% charge. Signature Beverage Package excludes priced over $7 15intoxicated beverages priced $7 orservice lower, and service charge. Signature Beverage Package excludes beverages over $7 and 15 beverages priced 15 Signature beverages $7Beverage or lower, priced and $7 includes orguests. lower, abeverages and 15% includes aCard charge. service Signature Signature Beverage excludes Package beverages excludes priced beverages $7orpriced and over $7maypriced and the right to refuse service forbeverages any reason, ofcharge. alcoholic beverages to $50 Beverage Beverage Package has a daily limit of*15 priced $7including or lower, andrefusing includes aservice 15% service Package excludes beverages priced over $7 and purchases made in15% Signature Miniacharge. Bar15% andBeverage In Room Dining, orPackage beverages on service Half Moon Cay. Signature Beverage Packages are notover transferable refundable. Participants orderbeverages 3 FREE or reduced cruise fares for 3rd/4th guests right toalcoholic refuse for any reason, including refusing service oforRoom alcoholic toInCay. intoxicated guests. $50 Card mayone bedrink used to purchase beverages other items at payment aboard thepurchases ship. Unused portion of Beverage Card only at a time, must be 21 years or olderthe andoragree not eligible to give drinks toservice minors. Noterminals sharing isSignature permitted. Beverage management reserves theShops, right tothe revoke the Signature Beverage Package if Bar misused and reserves theHalf rightBar toDining, refuse service forRoom any reason, including Cay. refusing service ofFree alcoholic beverages toBeverage intoxicated guests. FreeSignature $50 purchases made inwill Signature Shops, Mini and Dining, orHalf beverages on Half Moon Cay. Beverage Packages are made in Signature Shops, Mini and Inbeverages Room or beverages on Moon Cay. Signature Beverage Packages are not purchases made purchases in made Shops, in Signature Mini Bar and In Mini Room Bar Dining, and In beverages Dining, on or beverages Moon on Half Signature Moon Beverage Signature Packages Beverage are not Packages areBeverage not new Explore4 offers. When you book select 2014 sailings (and Card usedDecember to purchase beverages or other eligible items atat payment terminals aboard the ship.This portion of the Beverage Card will not refunded nor be carried atlost the end This card cannot be redeemed for cash andonly not replaceable if lost orat stolen. Free specialty restaurant dinner: Guests whoorpurchase an Interior Stateroom notmay be be refunded nor may a balance be carried the end of the cruise. card cannot be redeemed forbecash andrefundable. ismay nota balance replaceable ifrefundable. orof the cruise. transferable ordinner Participants may order one drink atimes time, must be 21to years older agree give alcoholic drin transferable or may order only one drink at time, must be 21 or and agree notCard toand give alcoholic to may be used to purchase beverages or eligible items at payment terminals aboard the Unused portion ofolder the Beverage will transferable orUnused transferable refundable. 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No sharing isthe permitted. Beverage the right to revoke the Signature Beverage Package if misused and rese minors. No sharing isZX, permitted. Beverage reserves theguests right toofsharing revoke the Beverage Package ifreserves beperson; placed in guests your stateroom embarkation day. Offerbe excludes Specialtyminors. Dining Events instaterooms the Pinnacle Grill suchpermitted. asNo Le Cirque, de Librije, Chef’s Table and Sommelier Dinner. Reduced deposit offer ismanagement validto forcard new bookings only. Amanagement deposit is redeemed required at thereserves time booking. 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Government Fees & Taxes apply torefusing allof 3rd/4th offers. Offers are capacity controlled, may beof modified orguests. withdrawn without prior notice. Registry: The Netherlands. per person. Specialty restaurant offer is and not or Reservations and dining times will be assigned and confirmation the right toa17for refuse service for any reason, including refusing service alcoholic beverages to intoxicated guests. Free $50 the right toGuests refuse service any reason, including service of alcoholic beverages to intoxicated guests. Free $50 Beverage CardBeverage C the right toonprovided refuse right service refuse forondinner: any service reason, for including reason, including service refusing ofInterior alcoholic service beverages alcoholic to intoxicated beverages guests. to and intoxicated Free $50 Beverage Free $50 Card Beverage stolen. 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Package has aand daily limit ofa balance not refunded nor may a balance be carried at cruise. thecannot ofbethe This card cannot becash redeemed andover is not replaceable if lost or not Signature bemade refunded not nor may refunded aimmediate balance norbe may be carried the be end carried of athe atnor cruise. the end of the card This card redeemed cannot for bethe cash redeemed and isThis for not replaceable and is for not ifbecash lost replaceable or if $7 lost orand is not 15 beverages priced $7 orbe lower, includes aat 15% service charge. Signature Beverage Package excludes beverages priced and only. A is portion requiredofatAlaska the time of booking. Bookings onBeverage voyages requiring final payment are not eligible for reduced Mexico sailings, receive a us$50 Beverage 15 beverages priced $7 or lower, and includes a 15% service Signature Beverage Package excludes beverages priced over $7 and per person. Specialty restaurant offer issailings, not transferrable or refundable. 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Signature Packages are notare child offer to ages 17 and under.for Government Fees & Taxes apply toBeverage alldining 3rd/4th offers. Offers capacity andOcean-view may bepurchase person; guests who Ocean-view Obstructed category staterooms and above receive one complimentary Pinnacle Grill d person; guests who purchase Obstructed category staterooms and above will receive onewill complimentary Pinnacle restaurant will be placed incontrolled, your stateroom upon embarkation day. Offer excludes Dining Events indinner the to Grill dinner person; guests person; who guests who Ocean-view purchase Obstructed Ocean-view category Obstructed staterooms and staterooms above will and receive above one will complimentary receive oneSpecialty complimentary Pinnacle Grill dinner Pinnacle Grill 2 FREE specialty restaurant dinner* transferable or refundable. Participants mayororder only onewithout drink atprior acard time, mustShips’ bespecialty 21Registry: years or older and agree not purchase to give alcoholic drinks to modified withdrawn notice. The Netherlands. US071213 transferable or refundable. Participants may order only one drink at acategory time, must 21transferrable years or older and agree not to give alcoholic drinks peroffer person. Specialty restaurant offer isbe not orwill refundable. Reservations and dining times will and a confirma per person. Specialty restaurant offer isSommelier not transferrable or refundable. Reservations and dining times will beaassigned andbea assigned confirmation minors. No sharing is permitted. Beverage management reserves the Pinnacle right to revoke Grill the per Signature Beverage Package if misused and offer reserves person. per person. restaurant Specialty restaurant is not transferrable is not ortransferrable refundable. or Reservations refundable. and Reservations dining times and dining be assigned times will and beavalid assigned confirmation and confirmation such asisSpecialty Le Cirque, de Librije, Master Chef’s Table and Dinner. Reduced deposit offer is for new bookings minors. Nocard sharing permitted. management reserves the right to revoke the Signature Beverage Package ifexcludes misused and reserves the right to guests refuse service beverages to intoxicated guests. Freespecialty $50 Beverage Beverage * for any reason, including refusing service of alcoholic card for restaurant dining be stateroom placed in your stateroom upon embarkation day. Offer excludes 3 FREE or reduced cruise fares for 3rd/4th card forCard specialty restaurant dining will be placed inwill your upon embarkation day. Offer Specialty Dining Events inDining the Events in forrequired specialty card restaurant for dining restaurant will be placed dining will in specialty your be placed stateroom in your upon stateroom embarkation upon day. embarkation Offer excludes day. Offer Specialty excludes Dining Specialty Events in Dining the Events in theSpecialty only. A deposit at the of booking. Bookings made on voyages requiring immediate final payment are not eligible for a reduced may be used to purchase beverages or other eligible items at payment terminals aboard the is ship. Unused portion of the time Beverage Card will the refuseGrill service for any reason, including service of alcoholic beverages toSommelier intoxicated guests. Free Beverage Pinnacle Grill such LeSommelier Cirque, Librije, Master Chef’s Tableoffer and Sommelier Dinner. Reduced deposit valid for new book Pinnacle Grill such asrefusing Le Cirque, deas Librije, Master Chef’s Table and Dinner. Reduced deposit offer validCard foroffer newisbookings Pinnacle such Pinnacle LeGrill Cirque, such de Librije, Leor Cirque, Master de Librije, Chef’s Master Table and Chef’s Tabledeand Dinner. Sommelier Reduced Dinner. deposit Reduced deposit is valid for offer new is$50 bookings valid for newis bookings not be refunded nor may a balance be carried at the end of the cruise.deposit. This cardright cannotto be redeemed for cash andas is not replaceable ifas based sharing aAlost stateroom with 1st and 2nd guests, are valid onrequiring select sailings, are based Promo 3rd/4th 4 50% reduced deposit* only. A deposit is time required at made the time booking. Bookings made onand voyages requiring final payment areanot eligible for a red only. deposit is required at the booking. Bookings made on voyages requiring immediate final payment are not eligible reduced stolen. Free specialty restaurant dinner: Guests who purchase an Interior will receive one complimentary Canaletto dinner per only. deposit only. is required Aon deposit at the is required time of booking. ateligible the time Bookings of booking. made Bookings onofvoyages requiring on of voyages immediate final immediate payment are final not payment eligible are foron not aimmediate reduced eligibleZ3. for aCard reduced mayStateroom be3rd/4th used toAoffer purchase beverages or other items at payment terminals aboard the ship. Unused portion of the Beverage willfor person; guests who purchase Ocean-view Obstructed category staterooms will receive3rd/4th oneto complimentary Pinnacle Grill dinner child and offer applicable ages 17based anddeposit. under. Government Fees &and Taxes to all 3rd/4th offers. are capacity controlled, and may be deposit. 3rd/4th offer based sharing aon stateroom with 1st and 2nd guests, are valid select sailings, and are on Promo Z3. 3rd 3rd/4th offer based on sharing aapply stateroom with 1stselect and 2nd guests, areare valid on select and are based on Promo Z3. 3rd/4th deposit. deposit. offer 3rd/4th on offer sharing based a stateroom sharing with aof stateroom 1st 2nd with guests, 1stonand are 2nd valid guests, are valid sailings, onOffers select and sailings, based on andPromo are based Z3.on 3rd/4th on Promo Z3. TA Call to action Address here beabove refunded balance be carried aton the end the cruise. This card cannot be redeemed for cash and issailings, not replaceable if3rd/4th lost or based per person. Specialty restaurant offer isand not transferrable or refundable.not Reservations and dining nor times may will be a assigned and a confirmation child applicable to ages 17to under. Government Fees Taxes apply tocapacity all Offers 3rd/4th offers. Offers arebe capacity and ma or withdrawn without notice. Ships’ Registry: The Netherlands. child offer applicable to ages 17 & and under. Government Fees & Taxes apply to&capacity all 3rd/4th offers. are capacity controlled, and controlled, may be child offer applicable child offer to prior ages applicable 17 and under. ages Government 17 andoffer under. Fees Government Taxes apply Fees &and Taxes allStateroom 3rd/4th apply offers. to all 3rd/4th Offers are offers. Offers controlled, are andCanaletto controlled, may be US071213 and may *Explore4 offers are per person based on promo ZX,restaurant double occupancy, forbe1stplaced and 2nd guests sharingmodified a stateroom and excludes 3rd/4th card for specialty dining will in your stateroom upon embarkation day.specialty Offer excludes Specialty Dining Events into the stolen. Free restaurant dinner: Guests who an Interior will receive complimentary dinner per guests, except as provided herein. Pinnacle Not combinable with Shipboard Credit offers. FreeChef’s Signature Beverage Package isReduced valued ator $50 on to three lines modified or purchase withdrawn without prior notice. Ships’ Registry: Theone Netherlands. US07 or withdrawn without prior notice. Ships’ Registry: The Netherlands. US071213 Grill such asup Le Cirque, de Librije, Master Table and Sommelier Dinner.modified deposit offer is valid for modified new bookings withdrawn modified without or withdrawn prior notice. without Ships’ prior Registry: notice. Ships’ The Netherlands. Registry: The Netherlands. US071213 US071213 per personlogo per day and is not available the landisportion Land+Sea Journeys. Signature Package has a dailywho limit ofpurchase person; Ocean-view only.on A deposit requiredofatAlaska the time of booking. Bookings made onBeverage voyages requiringguests immediate final payment are not eligible for a reducedObstructed category staterooms and above will receive one complimentary Pinnacle Grill dinner 15 beverages priced $7 or lower, and includes a 15% service charge. Signature Beverage Package beverages priced oversailings, $7 and and are based on Promo Z3. 3rd/4th as needed deposit. 3rd/4th offer based on sharing a stateroom with 1st andexcludes 2nd guests, are valid on select perBeverage person. Specialty offer is not transferrable or refundable. Reservations and dining times will be assigned and a confirmation purchases made in Signature Shops, Mini Barapplicable and In Room Dining, or beverages on Half Moon Signature Packages notarerestaurant child offer to ages 17 and under. Government Fees Cay. & Taxes apply to all 3rd/4th offers. are Offers capacity controlled, and may be transferable or refundable. Participants may order only one drink at a time, must be 21 years or older and agree not to give alcoholic drinks to modified or withdrawn without prior notice. Ships’ Registry: The Netherlands. US071213 card for specialty restaurant dining will be placed in your stateroom upon embarkation day. Offer excludes Specialty Dining Events in the minors. No sharing is permitted. Beverage management reserves the right to revoke the Signature Beverage Package if misused and reserves Pinnacle such as Le Cirque, de Librije, Master Chef’s Table and Sommelier Dinner. Reduced deposit offer is valid for new bookings the right to refuse service for any reason, including refusing service of alcoholic beverages to intoxicated guests. Free $50Grill Beverage Card may be used to purchase beverages or other eligible items at payment terminals aboard the ship. Unused portion Beverage Card will only.ofAthedeposit is required at the time of booking. Bookings made on voyages requiring immediate final payment are not eligible for a reduced not be refunded nor may a balance be carried at the end of the cruise. This card cannot be redeemed for cash and is not replaceable if lost or stolen. Free specialty restaurant dinner: Guests who purchase an Interior Stateroom will receive one complimentary dinner per based on sharing a stateroom with 1st and 2nd guests, are valid on select sailings, and are based on Promo Z3. 3rd/4th deposit.Canaletto 3rd/4th offer person; guests who purchase Ocean-view Obstructed category staterooms and above will receive one complimentary Pinnacle Grill dinner offer per person. Specialty restaurant offer is not transferrable or refundable. Reservations and dining times willchild be assigned andapplicable a confirmation to ages 17 and under. Government Fees & Taxes apply to all 3rd/4th offers. Offers are capacity controlled, and may be *Explore4 offers are per person based on promo ZX,restaurant double occupancy, and 2nd guests sharing upon a stateroom and excludes 3rd/4th card for specialty dining willforbe1stplaced in your stateroom embarkation day. Offer excludes Specialty Dining Events in the modified or withdrawn without prior notice. Ships’ Registry: The Netherlands. US071213 guests, except as provided herein. Pinnacle Not combinable Shipboard Credit offers. FreeChef’s Signature Beverage Package valued atdeposit $50 offer is valid for new bookings Grill suchwith as Le Cirque, de Librije, Master Table and Sommelier Dinner. isReduced
125 North 8th Street 541-885-5403 • 1-800-553-9143
Sunstone
Got sun in your life?
OREGON
per person per day and is not available the landisportion Land+Sea Journeys. Signature Package has a daily final limit payment of only.on A deposit requiredofatAlaska the time of booking. Bookings made onBeverage voyages requiring immediate are not eligible for a reduced 15 beverages priced $7 or lower, and includes a 15% service charge. Signature Beverage Package beverages oversailings, $7 and and are based on Promo Z3. 3rd/4th deposit. 3rd/4th offer based on sharing a stateroom with 1st andexcludes 2nd guests, are validpriced on select purchases made in Signature Shops, Mini Barapplicable and In Room Dining, or beverages on Half Moon Signature Beverage Packages are notare capacity controlled, and may be child offer to ages 17 and under. Government Fees Cay. & Taxes apply to all 3rd/4th offers. Offers transferable or refundable. Participants may or order only onewithout drink atprior a time, mustShips’ be 21 Registry: years or older and agree not to give alcoholic drinks to modified withdrawn notice. The Netherlands. US071213 minors. No sharing is permitted. Beverage management reserves the right to revoke the Signature Beverage Package if misused and reserves the right to refuse service for any reason, including refusing service of alcoholic beverages to intoxicated guests. Free $50 Beverage Card may be used to purchase beverages or other eligible items at payment terminals aboard the ship. Unused portion of the Beverage Card will not be refunded nor may a balance be carried at the end of the cruise. This card cannot be redeemed for cash and is not replaceable if lost or stolen. Free specialty restaurant dinner: Guests who purchase an Interior Stateroom will receive one complimentary Canaletto dinner per person; guests who purchase Ocean-view Obstructed category staterooms and above will receive one complimentary Pinnacle Grill dinner per person. Specialty restaurant offer is not transferrable or refundable. Reservations and dining times will be assigned and a confirmation card for specialty restaurant dining will be placed in your stateroom upon embarkation day. Offer excludes Specialty Dining Events in the Pinnacle Grill such as Le Cirque, de Librije, Master Chef’s Table and Sommelier Dinner. Reduced deposit offer is valid for new bookings only. A deposit is required at the time of booking. Bookings made on voyages requiring immediate final payment are not eligible for a reduced deposit. 3rd/4th offer based on sharing a stateroom with 1st and 2nd guests, are valid on select sailings, and are based on Promo Z3. 3rd/4th child offer applicable to ages 17 and under. Government Fees & Taxes apply to all 3rd/4th offers. Offers are capacity controlled, and may be modified or withdrawn without prior notice. Ships’ Registry: The Netherlands. US071213
Family Food
Steak & Eggs
$
699
2 Eggs, Choice of Potatoes & Toast
(UNTIL 11 AM EVERDAY)
Prime Rib Dinner
$
1099
(From 4pm Until Gone)
Open Daily from 6am - 9pm Call for Seasonal Hours 5140 S. Sixth St. Klamath Falls
541.883.7766 www.BlackBearDiner.com
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2345 Hope St.
Klamath Falls, OR 97603
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Family Law Divorce Separation Custody Child Support Guardianship Adoption Civil Law Restraining Orders Stalking Orders Criminal Law Misdemeanors Felonies • DUII Traffic Law Circuit Court Only Estate Planning Advanced Directive Power of Attorney Wills • Trusts Name Changes Marriage Ceremonies Document Preparation Letters, Pleadings Garnishments, Etc.
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