ON Advantage CD APY 11-MONTH ADVANTAGE CD Earn higher interest with D&N's Advantage CD when you open and maintain a D&N checking account with an $100 minimum opening balance. 11-Month Certificate of Deposit requires a deposit of $5,000 or more. Annual Percentage Yield as of 7/14/98. Substantial penalty for early withdrawal. Personal accounts only. Call or visit D&NBank today! Singer works from home, but closes deals in restaurants or at the client's office. A native of Michigan, her family has always been involved at Congregation Shaarey Zedek. After graduating from the University of Michigan, she earned a master's at / 1 Columbia in international relations. Her first solo venture, geared toward individuals, involved selling embroidered gifts — monogrammed baby bibs, blankets and beach towels. A friend suggested she look for corpo- rate customers and offered her employer as part of the initiation. After selling logo towels for a beach outing to that company, Singer joined the Advertising Specialties Institute (ASI) and met with suppliers. "I was very aggressive and asked friends to put me in touch with mar- keting representatives where they worked," she said. "I'd do an initial presentation, showing them many samples, and I'd take orders. "That's what I still do for new clients. I try to get to New York four times a year to touch base with some people, but I take care of everything else by phone, fax, FedEx and UPS." Singer's field is growing. Sales of promotional products rose from just over $5 billion in 1990 to $9.5 billion in 1996 according to ASI. Women represent 56 percent of the distribu- tors. One of Singer's most interesting clients is a producer of special events. After hearing about Getting Personal from an associate, he asked Singer to find giveaways for an Elvis Presley tribute concert at Graceland, and she came up with 16,000 mini-flashlight key rings. The next year, the same producer needed security bracelets for the audi- ence gathering to see the Pope in New York's Central Park. Singer arranged for a shipment of 100,000 pieces that indicated-each bracelet holder's assigned seating. Although maintaining a home office means Singer can spend more time with her two preschoolers, she also has a live-in nanny. "The reality is that it's still hard to have a career while raising a family," Singer said. "I juggle as best as I can and struggle with the fact that my children might open my office door and call out to me while I'm talking to an important client." Michael Singer, chief operating offi- cer of a 'computer services company, is his wife's accounting manager, helping her chart expansion with an increased client base. "I knew of other solo practitioners in New York, but I don't know any- body here- who operates the same way I do," Franci Singer said. "I try to have very competitive pricing because I have low overhead working out of my home." To keep her professional image, Singer never has clients come to her residence. Her office is a converted bedroom and storage space for sam- ples is in the basement. Business deals are made over lunch at a restaurant or in a customer's office. "I work on a very even keel, and I treat my clients as if they were my friends," said Singer. "Actually some of them have become just that." [] 1-800-236-9252 A 1 4 BANK Auburn . Hills • Brighton • Canton • Clawson Fowlerville • Hartland • Howell • Pinckney • Romeo South Lyon • St. Clair Shores • Troy MEMBER FDIC Internet http://www.dn.portup.com © 1998 D&N Bank LIN DE R There are Many Ways to Pick 'mum" JEWISH NEWS 1713 the Now available @ these ANN • • • • • • • ARBOR locations: Borders Books Barnes & Noble Hillel House Mainstreet Books Michigan Union Bookstore Nicola's Books, A Little Professor Books Co. Zingerman's Stand out above the crowd, have your financial future planned by a professional Call Phase Four today to schedule a one hour complimentary consultation with Joel Levi, CFP and Trish Wellman, CFP. PHASE FOUR (248) 559-6980 '""CFP and Certified Financial Planner are certification marks of the International Board of Standards and Practices for Certified Financial Planners, Inc. (IBCFP). Securities offered through Vestax Securities Corporation, Member NASD & SIPC, 1931 Georgetown Road, Hudson, Ohio 44236. (330) 650-1660 7/17 1998 119