Issue link: http://educator.cta.org/i/166026
3.58 % APR* 5/5 drama concert band 5/5 AdjustAble RAte MoRtgAge 5 5% Down Moves Y You In.** EDITOR IN CHIEF STAFF WRITER CTA WEB EDITOR CTA WEB EDITOR EDITORIAL ASSISTANT WEB ASSISTANT Cynthia Menzel Sherry Posnick-Goodwin Karyn Ferrera Donhoff Tiffany Hasker Craig Hamilton Gladdie Cabral CTA ELECTED OFFICERS PRESIDENT VICE PRESIDENT SECRETARY-TREASURER What was your favorite arts class? theater Dean E. Vogel Eric C. Heins Mikki Cichocki-Semo BOARD OF DIRECTORS José Alcalá, Larry Allen, Gayle Bilek, E. Toby Boyd, Donald L. Bridge, Tyrone V. Cabell, Sue Cirillo, Elana Davidson, Don Dawson, Dana Dillon, David Goldberg, Jim Groth, Terri Jackson, Leslie Littman, Marty G. Meeden, George Melendez, Theresa Montaño, Mary Rose Ortega, Michael Stone, Kendall Vaught, Curtis Washington photography EXECUTIVE DIRECTOR ASSOCIATE EXEC. DIRECTOR COMMUNICATIONS MANAGER Joe Nuñez Rebecca Zoglman Jonathan Goldman marching band CONTRIBUTORS Claudia Briggs, Scott Buschman, Bill Guy, Stephen R. Harris III, Tiffany Hasker, Dina Martin, Mike Myslinski, Terry Ng, Jay Ortiz, Shauna Lynn Panczyszyn, Frank Wells, Emily Carew Woodard N n n No closing costs tS n n Start rate 3.87% R n n Rate adjusts once every 5 years 2 n n 25-day funding guarantee*** EDITORIAL INFORMATION Apply Today! Call (866) 775.5328 www.lfcu.com orchestra California Educator is published for the information and edification of CTA members. The editorial philosophy is governed by the policies of CTA. Articles and advertising reflect that philosophy. Letters to the editor may be sent to editor@cta.org. Publication of advertising in the California Educator does not indicate CTA approval of the product or of the companies that purchase advertising. For advertising rates and information, contact WebSolutions Media 5666 Spruce Harbor Court, Las Vegas, NV 89122 702-838-3434 websol@earthlink.net, websolutionsmedia.com CTA/NEA membership dues for the fiscal year, Sept. 1–Aug. 31, are $826, including a $20 voluntary contribution (see www.cta.org/contribution for details). Up to $18.40 of CTA annual dues is designated for CTA/ABC political activities to support state and local candidates and/or initiatives and is not deductible for income tax purposes. Subscription to the California Educator is $10 per year, available to persons or institutions not eligible for CTA/NEA membership. L a s'erehT There's a Logix Branch in Your Neighborhood knabruB 5.053 )668( rhcoC– imiS 5.837 )888( rP aicnelaV 5.847 )668( Burbank (866) 350.5328 Simi–Cochran St (888) 738.5328 Valencia Promenade (866) 748.5328 launnA = RPA* ammusnoc retfa us si dna 31/13/7 tnom detamitsE et gniniamer eht yb esaercni nac t dna noitanigiro rif eht nihtiw ffo arusni egagtrom oc morf syad 52 no esolc ot sliaf a ylno reffo sihT oitcafsitas rehto Golden Valley (866) 786.5328 Simi–Tapo Canyon (877) 974.5328 Westlake Village (866) 400.5328 Newbury Park (877) 944.5328 Stevenson Ranch (866) 756.5328 Woodland Hills (866) 767.5328 Palmdale (877) 894.5328 Thousand Oaks (877) 964.5328 Pasadena (866) 758.5328 Valencia Bouquet Cyn (866) 757.5328 *APR = Annual Percentage Rate. Adjustable Rate Mortgages (ARMs) are variable and your Annual Percentage Rate may increase after consummation. 3.87% APR is available on conforming loans up to $625,500 with a maximum 95% LTV. APR is accurate as of 7/31/13 and is subject to change. Rates based on creditworthiness, so your rate may differ. Start rate is 3.87% for the first 60 months. Estimated monthly payment on $100,000 is $470.24 for first 60 months (excluding taxes and insurance) and $446.72 monthly for the remaining term (using the current index plus margin of 3.36% since the index in the future is unknown). Rate is variable and can increase by no more than 2 percentage points every 5 years with a lifetime maximum adjustment of 5%. Logix will pay loan origination and third-party fees, with some exceptions. Borrower is responsible to repay lender-paid closing costs if the loan is paid off within the first 36 months.**Must have excellent credit and provide the 5% down payment from your own funds. Requires private mortgage insurance. ***Logix guarantees to close your loan by the date specified in the purchase contract, provided this date is 25 days from contract date and we have received a complete loan application and all requested documents. If the loan fails to close on time due to a delay by Logix, we will credit up to $2,000 of the buyer's closing costs at time of funding. This offer only applies to purchase transactions that meet Logix's lending guidelines, and may not be combined with other satisfaction guarantee offers. Educator 09 Sep 2013 v3.6 int.indd 6 California Educator (ISSN 1091-6148) is published monthly except January, July and August by: CALIFORNIA TEACHERS ASSOCIATION 1705 Murchison Dr., Burlingame, CA 94010-4583 650-697-1400; fax 650-552-5002 editor@cta.org, www.cta.org Postmaster: Send change of address to California Educator, P.O. Box 4178, Burlingame, CA 94011-4178. Periodicals Postage Paid at Burlingame, CA, and additional mailing offices. 9/3/13 2:25 PM