President Marta Rosenthal. It will be a mixture of Detroit and Jewish commun- ity leaders, doctors, trustees and administrators. In addition, Betsy Loomus, wife of coalition member Dr. Gerald Loomus, is launching a spouse volunteer support group. "Sinai is a good, viable hospital and we ought to be able to make a success out of it," Dr. Beckman said. "Tomorrow we will bring in a new laser. In two weeks, we will bring in something else to help our patients. We will continue to grow." Sinai, Mr. Steinberg said, must continue to grow to remain solvent. "We will move Sinai for- ward as a free-standing in- stitution. We have no inter- est in closure," Mr. Steinberg said. "We are totally committed to plann- ing and moving forward to turn around the institu- tion." ❑ Rambam Lectures By Telephone Bais Chabad Torah Center plans a new daily telephone program "Rambam On The Line." Each day, a 20-minute lec- ture is delivered on a chapter from Maimonides' work "Mishna Torah." The Mishna Torah, composed of 83 books, covers aspects of Jewish law and ethics. By studying one chapter a day, one can com- plete the books within three years. The number to call is 541-3481. The daily telephone lecture on Maimonides "Book of Commandments" is 541-2548. The daily tele- phone lecture on Tanya is 967-3112. Bais Chabad Torah Center plans a contemporary issues of Jewish law lecture 8 p.m. Jan. 20 at the home of Dr. Allen and Andrea Stawis in West Bloomfield. Rabbi Elimelech Silberberg will discuss the video on "The Laws Of Shabbat." For infor- mation, call Andrea, 851-6742. Rabbi Silberberg will lec- ture on "The Holiday of Tu B'Shevat" at 8:15 p.m. Jan. 21 at the Torah Center. For in- formation, call the Torah Center, 855-6170. CHAI (Chabad Adult In- stitute of Birmingham/ Bloomfield) plans a three-part lecture series on "Marriage and Divorce." Rabbi Silberberg will lecture on "Marriage — Two People One Soul" 8 p.m. Jan. 22 at the Chabad Center. For informa- tion, call 646-3010. "I REDUCED MY MONTHLY MORTGAGE PAYMENTS BY $437, THANKS TO CHASE:' If you took out a fixed or adjustable rate mort- gage several years ago, now may be the right time to refinance with a mortgage from Chase. That's because interest rates are currently very- favorable. And Chase has a variety of flex- ible financing options that help you take advan- tage of these rates. Switch to a Chase Financing Program now On a $500,000 fixed rate mortgage, you could reduce your monthly mortgage payments by as much as $437 a month by changing to a Chase mortgage at competitive rates. Since Chase doesn't require a tax or insurance escrow account, you'll also save on upfront costs. And with our low closing costs you might save even more. You also have the option to refinance your mortgage for more than your present loan bal- ance. This option lets you borrow your closing costs, so you pay no out-of-pocket expenses. The equity you've built up in your home can also be • f fl ffr used to fund your child's education, make home improvements, finance a vacation home and more. Leta Chase Personal Financial Consultant show you all the benefits of refinancing A Chase Personal Financial Con- sultant will work closely with you to help design a financing plan to meet your needs. And since our expert Consultants have the authority to approve loans, you'll receive a quick loan deci- sion in 72 hours or less. Discover how much you could save when you refinance now with a Chase mortgage. Simply call your local office below If your borrowing needs are up to $1 million or more, talk to a Chase Personal Financial Consultant Chase Personal Financial Services ii ■ CHASE NEP As an example, assume a $'500,000 fixed rate loan with a 30 year term at an interest rate of 11.25% and two points (APR 11.510) and a monthly payment of $4,856. Refinancing this fixed rate loan after two years to a fixed rate loan at an interest rate of 10.00% and one point (APR 10.118) with 360 equal monthly payments of $4,419 would result in a $437 reduction in your monthly payment. This interest rate mayor may not be in effect at the time your loan is approved. 4235 CHASEMANHATTANOF MICHIGAN BLOOMFIELD HILLS Ross Roy Building 100 Bloomfield Hills Parkway Suite 140 Bloomfield Hills, MI 48304 313-645-6466 © 1990 Chase Manhattan Financial Services, Inc. EQUAL HOUSING OPPORTUNITY THE DETROIT JEWISH NEWS 23