"Refinancing
did more
than lower
my monthly
payments.
It started her
college fund.
Jewish audience."
Landmark Travel is a
designated travel agency
for the University of
Michigan. And Ms.
Vandersluis' agency han-
dles travel for the derma-
tology department. Now
that she knows about
Israel's abundance of
minerals, and of the prod-
ucts there to cure psoria-
sis, she hopes to interest
the dermatology depart-
ment in a visit to the
Dead Sea.
Southfield travel agent
Oscar Manzon of Travel
Market Inc. has never
visited Israel. But he
hopes to get there some-
day.
"Every person I've spo-
ken to who was non-
Jewish and visited Israel
has really liked it," Mr.
Manzon says.
First Security Savings Bank
made refinancing quick and
easy. And with college costs
soaring, today's low interest
rates gave me the cash to
build her future. It all started
with a phone call and a few
minutes of my time. but it
was time well invested."
Refinancing today may
provide other advantages:
• Debt consolidation
• Lower monthly payments
• Cash back to you!
Interested in
Endowing?
/-
Donors interested in
establishing endowment
arrangements can find
many ways to help others
while realizing personal
financial benefits in the
process.
The ways listed below
are available through the
United Jewish Founda-
tion, which manages
endowment funds sup-
porting Jewish Federa-
tion programs. Jewish
organizations with
endowment funds inde-
pendent of the Federa-
tion may not offer all
these options:
• GIFTS AND BE-
QUESTS can include
cash, real estate, securi-
ties, and tangible proper-
ty given during any
donor's lifetime or under
terms of a will. These
can be given as either
outright gifts or trusts. A
decrease in income
and/or estate taxes can
be realized.
• APPRECIATED SE-
CURITIES
include
stocks or bonds which
have been held for some
time. Donors can save on
capital gains taxes and
also receive charitable
deduction tax benefits.
• CHARITABLE RE-
MAINDER ANNUITY
ENDOWING page 35
Typical example: 30 year fixed rate loan based on $50.000 mortgage with 20° , b down and 360 monthly payments of 5328.46. The quoted A.P.R. includes
1% origination fee and 2 discount points. The 5 and 7 year programs are balloon mortgages calculated with a 30 year amortization. Maximum mortgage
amount 5203.150. Rates and points suhject to change at any time. *A.R.M. (one year adjustable rate mortgage) rate may increase after consummation.
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•Testing/Evaluation
•Therapeutic Tutoring
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33