Our rates rate high. 3 MOINTH CD / WORLDS APART from page 1 2 MONEY MARKET 4.75% 4.50% A.P.Y. A.P.Y. I Come in to the Sterling office nearest you: . sterling Roseville — 810-294-2950 Clawson — 248-435-2840 Sterling Heights —810-268-5200 Commerce Twp. — 248-669-3993 Southfield — 248-948-8799 Dearborn — 313-274-3030 Troy —248-649-3883 Farmington Hills — 248-489-9580 Warren — 810-558-4600 Grosse Pointe Woods — 313-882-2880 Waterford — 248-674-4901 Livonia — 734-462-4106 bank &trust West Bloomfield —248-855-6644 Lincoln Park — 313-383-4000 Rochester — 248-656-5760 "We create solutions.- Dining at the Teitel Apartments are Malka Sklyarskaya, above, and Elena Lubenskaya, below, both New Americans. www.sterlingbank.com Annual Percentage Yield accurate as of 12/28/98 and is subject to change without notice. Six month CD: Simple interest paid at maturity, penalty for early withdrawal. Money Market: S2,500 minimum balance required to open and must be main- tained for stated API'. Fees may reduce earnings if minimum is not maintained. 1999 Sterling Bank & Trust FSB. INSUIED THE ACCLAIMED VOLVO S70 SEDAN IS NOW AVAILABLE WITH VOLVO'S INGENIOUS ALL•WHEEL DRIVE SYSTEM. ADD TO THAT ITS CRISP HANDLING AND RESPONSIVE 20-VALVE ENGINE. AND YOU WON'T JUS1 ADHERE TO THE ROAD. Ynll IUST MIGHT BE GLUED TO YOUR SEAT. SEE YOUR VOLVO RETAILER PER MONTH 36 MONTHS Due at Inception 248-624-0400 *36 month closed end lease, 15c per mile over 36,000 miles. License plates and applicable taxes are additional. Offer ends 1/30/99. 14_o_ptrn it te_wisb_Neitts A TEST DRIVE TODAY DRIVE SAFELY. (Includes 5525 Refundable New 1999 S70 GLT 4-Door All Wheel Drive /8 999 TOR on Maple Rd. W. of Haggerty American-born Herman "Hy" Schechter, a resident for over nine years, said some complaints aren't 100 percent fair, because everyone has his or her own "slant," but calls "out- • landish" the differences in medical benefits and the cost of optional week- end meals. Optional weekend meals cost $3 each for some, including most of the Old Americans, and $1 for others, including virtually all of the "new" ones. The apartment board of direc- tors set the meal subsidies, basing them on residents' income levels. "None of us are loaded, that's why we live here. It's a subsidized govern- ment building," Schechter said. "I was born and raised here. Give me a little break on a few things, too. If you live on Social Security alone, I hate to be so blunt, but they got you by the tuches." It's not just the money question, said Sophie Leemon. "If these people were a little more gracious and nicer, maybe we'd all get along better." Language and cultural differences have been evident since 1990 when Russian immigrants, escaping a crum- bling Soviet Union and rising anti- Semitism, began arriving at Teitel. Twenty New Americans came in the first group, growing to 100, which now outnumbers Teitel's 73 American- born residents. Although some Russian-born resi- dents communicate with their Old American neighbors in Yiddish; the groups usually do not sit together in the cafeteria or seek out each others' company. The New Americans say they get along well with their native-born neigh- bors and do not see any hostility between the groups. They see any fric- tion as being more of a family squabble. Liza (Lilia) Gesina, 73, who works as a clerk at Teitel's Beitel, the apartment's convenience store, said she knows everyone, speaks Yiddish to the Old Americans and considers them "family." Elena Lubenskaya was one of the first New Americans to move to Teitel in 1990. Before becoming a citizen in 1996, she attended ESL classes regu- larly. Although she tries to speak with the Americans as much as possible, "the language is difficult." She is not aware of problems, and said that the relationship between the groups is