■ S \o„Nce ,„fit REAL ESTATE UPDATE c ie Ray A. Fox, Licensed Realtor COME SEE WHO WE ARE! WORKMEN'S CIRCLE NURSERY SCHOOL MAY 26 — Todd and Sheri (Goldberg) King lovingly an- nounce the birth of their daughter, Arielle Sabrina, lit- tle sister to Adam Steven. Proud grandparents are Herb and Irene Goldberg of West Bloomfield and Emilie King of Farmington Hills. Arielle Sabrina is lovingly named after her maternal uncle, Steven Alan Goldberg, and her maternal great-grand- father, Louis Schwartz. OUR SCHOOL .. . • Philosophy is a developmen- • Atmosphere is warm, caring tal approach. and loving. • Offers wide variety of play experiences in art, cooking, science, pre-math and pre- reading skills. • Teachers are qualified in Pre- School Education. • Offers a secular approach to Jewish education 26341 Coolidge, Oak Park For more information, call 545-0985 358.2333 to Franklin Plaza • PASSPORT • SPECIAL $7.95 1 set QUESTION: Is it stand- ard for banks to charge a penalty fee if you pay off a home loan before its desig- nated length? ANSWER: Normally, yes! Paying off a mortgage in advance of its original loan length is known as "prepay- ment". Many lenders today require a prepayment penal- ty if a mortgage is paid off before its original due date. If you do pay this penalty, remember that the IRS treats it the same as interest which means it can be used as a deduction. In many states, consumer- oriented laws have been passed which prohibit any prepayment penalties after the loan has been in effect from three to five years. (TURN YOUR PHOTOS CRANBROOK ASSOCIATES, INC. 32440 Franklin Road Franklin Phone: 626-8700 $10.00 OFF INTO cOTO FOLKS (with ad) rrAillez THE AREAS LARGEST IN STOCK SELECTION WITH GUARANTEED BEST PRICE! GLIDERS FROM $168.00 ROCKERS FROM $98.00 "Must Be Done AI The Some Time" 2 Phcios per passport (with coupon) A-,verst.mes S. Bo , M/tZveh,) Please Phone Ray A. Fox or drop in at Jim Linnane, Vice President 2 sets 10% off on posters the mortgage is paid off early. Presented in cooperation with Chase Manhattan of Michigan flak. CHASE $14.95 • MANY LENDERS require a prepayment penalty if Bloomfield Hills: 313.645-6466 of Southfield MAY 20 — Bruce and Thea (Ross) Kumove of Kamuela, Hawaii, announce the birth of their daughter, Brittany Beth. Proud grandparents are Fern Wallach of Farmington Hills and Vivian and Sidney Ross of Southfield. Great- grandmother is Berdie Aaron of Oak Park. MAY 10 — Ron and Rochelle (Pikstein) Siegel of Farm- ington Hills joyfully an- nounce the birth of their firstborn, a son, Michael Ben- jamin. Thrilled grandparents are Naomi and Marvin Siegel and Helen Pikstein of Oak Park. Michael Benjamin is named for his maternal grandfather, Herman (Yocho- nun) Pikstein, and his pater- nal great-grandfather, Ben- jamin (Dov) Siegel. • Is a great place for children CO love themselves and their background WORKMEN'S CIRCLE NURSERY SCHOOL J MAY 24 — Neal and Sarah (Indenbaum) Krasnick of Huntington Woods are happy to announce the birth of their son, Brian David. Proud big brother is Bradley Aaron. Delighted grand: parents are Sam and Valerie Indenbaum of. Franklin and William and Marjorie Krasnick of Huntington Woods. Ecstatic great-grand- parents are Maurice and Clara Robbins and John Krasnick of Southfield. Brian is named in loving memory of his great-great-grand- father, David Rubin. MAY 17 — Howard and Wen- dy (Kranitz) Handler of Irv- ington, N.Y., joyfully an- nounce the birth of their daughter, Rian Mallory. Pro- ud grandparents are Wally and Marlene Handler of Bloomfield Hills, and Aaron and Florence Kranitz of Akron, Ohio. Thrilled great- grandmother is Gertrude Handler of Southfield. Rian, whose Hebrew name is Rivka Shoshana, is named in loving memory of her great-grand- fathers, Robert Kranitz, Max Handler, and Sam Z. Gold- berg, and her great-grand- mother, Mildred Fogel. PREPAYMENT PENALTIES k irs,ac y her paternal great-grand- mother, Ella Blume, and her maternal great-grand- father, Julius Hessing. $18.95 $23.95 $27.95 We transfer your old movies, prints & slides to video cassette I FULL PHOTO SERVICES INCLUDING: BLACK & WHITE, ENLARGEMENTS, POSTERS 29215 Northwestern Hwy. at 12 Mile Rd. in Franklin Shopping Plaza 'excluding kids and cushions STOCKS TAX-FREE BONDS MUTUAL FUNDS T A X First of Michigan I Corporation M. P T Members New York Stock Exchange, Inc Senior Vice President - Investments Branch Manager S Michigan Toll-Free 1-800-826-2039 TAX DEFERRED ANNUITIES IRA's MONEY MANAGEMENT "THE REMEMBERED WOMAN"- THE NEW OUR HOME IS YOUR HOME N We provide a trained and car- ing staff so that you can feel safe and secure leaving your child with us. Your kids won't want to leave. N G USE COUPON THIS s 2 . 00 OFF & SAVE 948.1060 32875 Northwestern Hwy. (S. of 14 Mile) Farmington Hills • 737-5437 3610 W. Maple (at Lahser) Next to Farmer Jack Birmingham • 540-5702 Exp. 8/4/91 Limit 1 coupon per family, per visit M-Th. 8 a.m.-10 p.m; Fri. 8 a.m.-1 a.m.; Sat. 9 a.m.-1 a.m.; Sun. Noon-8 p.m LEARNING DISABILITIES CLINIC 00' Ar FASHION HAS NO SIZE ...14 PLUS NEW HIGH FASHION SPORTSWEAR, CAREERWEAR AND DESIGNERWEAR ARRIVING DAILY .. . AND MORE AFFORDABLE THAN EVER BEFORE. OPEN SUNDAYS Southfield 853-7440 A A R U S (Just North of 8 Mile) Auburn Hills L Travelers Tower / Suite 1020 26555 Evergreen Road / Southfield, Mich. 48076 (313) 358-3290 21325 Telegraph A .■ Herman Schwartz U 3337 Auburn Rd. (1 Mile West of Adams) 313-851-8001 LAYAWAYS WELCOME 6209 ORCHARD LAKE RD.• SUGAR TREE • 1 Block North of Maple • West Bloomfield • Private Tutoring • Evaluation • Therapy LYNNE MASTER, M.Ed Director 545-6677 433-3323 25201 Coolidge, Oak Park • 4036 Telegraph, Bloomfield Hills THE DETROIT JEWISH NEWS 83