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August 12, 1994 - Image 21

Resource type:
The Detroit Jewish News, 1994-08-12

Disclaimer: Computer generated plain text may have errors. Read more about this.

For people
who have better
things to do with
their money.

to people entering her immedi-
ate physical space," Ms. Cook
said. "Despite her limited com-
munication skills and some very
unconventional methods of corn-
municating, she endeared her-
self to many members of the
staff. She spoke a combination of
English and Yiddish, but rarely
finished a sentence."
It was difficult assisting a
woman who often communicat-
ed by screeching and could no
longer be driven to JVS because
her behavior included lunging
forward and scaring the volun-
teer drivers.
JVS staffers, including the ac-
counting depal Liiient, who oth-
erwise would have no direct
contact with clients, started as-
sisting her outside of work.
They began taking turns dri-
ving Ms. Zolotow to the program,
and her case manager moved
her into a local nursing home.
Yearly parties were planned by
the accounting department
for Ms. Zolotow, who often spent
holidays with staff members.
They also pooled money to pay for
some of her transportation costs.
When Ms. Zolotow was diag-
nosed with lung cancer, her doc-
tor had no blood relatives to call.
The phone call went to one of Ms.
Zolotow's adopted family mem-
bers at JVS.
This past New Year's Eve,
when Ms. Zolotow was dying, a
staff member went to the hos-
pital to be with her.
Ms. Cook knows little about
Ms. Zolotow's background but is
anxious to put the pieces to-
The details she has learned so
far are sketchy and unconfirmed.
She heard a bus accident
claimed the life of one of Ms. Zolo-
tow's parents and left a sibling
institutionalized with brain dam-
age. A relative took care of Ms.
Zolotow for as long as he could,
then contacted someone in the
Jewish community. From there,
she lived with an older woman
in Oak Park for a decade. When
that woman died, Ms. Zolotow
was placed in a home by this
woman's son, who was also Ms.
Zolotow's first legal guardian.
"I don't know why it matters
to me, but it does," Ms. Cook said.
"I have this need to know if she
ever lived a normal life. Did she
live in a house with her family?
Did she laugh? Does she still
have a sister who is alive? This
is a mystery I'd like to be able to


Buying a home is a wise choice. But
that's not the end of it. There are all
the expenses after you move in... from
paint, wallpaper and furniture to
landscaping. And after paying points and closing
costs, you may not have enough
money to do the things you'd like to
do. That's why Standard Federal Bank
offers the No Point/No Fee Mortgage.
It's ideal for buyers who can afford the down
payment and monthly mortgage payment, but may
need help with closing costs. But it's not just for first
time buyers. The No Point/No Fee Mortgage also
provides people who are moving up with a little
extra cash for redecorating and other
essentials. Or simply for that
vacation next winter.
When you apply for your
mortgage, you'll be asked to pay a


Helping You Along The Way'"

Standard Federal Bank

Savings/Financial Services



The Beth Abraham Hi Ilel Moses open
house, scheduled for Aug. 14, will run
from 11 a.m. to 2 p.m,
Unofficial election results indicate Lynn
Shector, a write-in candidate for the 12th
District Oakland County Commissioner
seat, did not receive enough votes to ad-
vance to the general election.

$250 application fee which will be credited back
to you at closing!' And you won't have to pay
the following customary fees:
: • Credit Report • $350 Closing Fee
• Recording Fees • Survey Fees
. (where applicable) • Mortgage Title
•Insurance Fees • Pest Inspection (where applicable).
Plus, the No Point/No Fee Mortgage option is
available with a variety of Standard Federal
mortgages, including: • 30-year Conventional
Fixed Rate • 15-year Conventional Fixed Rate
• 10-year Conventional Fixed Rate
h• 7/23 Balloon Loans
• 5/25 Balloon Loans.
After you've met with your Real Estate
Agent, call or visit a Standard Federal Banking
Center and ask about the No Point/No Fee Mortgage.
After all, you've got better things to do with
your money.



C t *You will be asked to pay other fees associated with your mortgage application and closing: such as tax escrow, odd clays interest, PlvIl premium (if applicable),

FDIC LENDER hazard insurance. inspection fees on new construction) and the tax escrow waiver fee (if applicable). A Reservation Fee may be required for a commitment
over 45 days. A fee equal to 1°,0 of the loan amount. which will he credited at the time of closing. will be required for a floating interest rate commitment. You may be charged

an appraisal fee and attorney fees if the property is not located in our normal lending area or is a two- or four-lamilv dwelling. If you pay Your loan off within the first 60
months. you may he charged a prepayment penalty equal to 2L;0 of the outstanding principal balance. ©1094 Standard Federal Bank.

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