own tunes in my head," Chicorel
recalls. "I don't read or write music so I
worked with trained pianists to tran-
scribe the ideas. I'd hum the songs on
cassettes.
"My early recordings ( The Songs of
Raphael Chicorel and Bi2 in Love With
You) featured jazz numbers, some with
singers. I moved on to do one album
based on Jean, a stage musical I wrote
about the life of Jean Nidetch, the
founder of Weight Watchers.
"I did a CD musical version of
Dickens' Great Expectations in 1995,
began looking for something that had-
n't been musicalized and came upon
Anna Karenina. I read the book, viewed
six movie versions and two related bal-
lets. The romance of the story inspired
me. I later learned that there actually
had been a Broadway musical based on
the Tolstoy novel some 10 years ago,
but it didn't last very long."
Chicorel, once active with Temple
Emanu-El B'ne Jeshurum in
Milwaukee, has composed and record-
ed music with the temple's former can-
tor, Donald Roberts. With retirement
and a respite from musical projects, the
composer finds more time to visit
Detroit to see his brother Albert, now a
Novi resident, and many other relatives.
While living in the Motor City,
Chicorel met and married Phyllis
Philko, who became his Weight
Watchers business partner after the two
attended area classes. The couple, par-
ents of three sons over their 20-year
marriage, also opened a franchise in
Hawaii, where their sons now run the
business.
The family sold Wisconsin Weight
Watchers operations in 1992, long after
the couple divorced. Chicorel, now
remarried, has two sons and a daughter
with his wife, the former Debra Lisch.
"It took me about an hour a day for
two years to get Anna Karenina togeth-
er," Chicorel says. "I went to record
companies to see who would be inter-
ested in releasing it and was all set to
release it myself when I got a call from
[LML Music owner] Lee Lessack that
he would do it.
"I had a lot of freedom in making
decisions for the CD, and I'm very
pleased with the level of talent I was
able to find and use." Li
Anna Karenina, The Audio
Musical can be purchased
at area book and record stores
or through the Web site,
vvvvw.lmlmusic.com
4:0:15END:TM EZ.W"
Move to our low-rate Home Equity Line of Credit
and we'll pick up your prepayment penalty.
3.255,,
$250,000-$500,000
3.505,.
$125,0004249,999
3.755,„
$75,000-$124,999
4.005,„
$25,000-$74,999
Introducing an equity line that pays instead of penalizes.
Make the move from another bank's home equity loan to Standard Federal's, and
we'll pay your prepayment penalty or early closure fee — up to $350 Plus, there
are no application fees, no appraisal fees, no closing costs, and no prepayment
penalties?' You'll benefit from our tiered-rate structure which provides lower rates
for larger lines of credit, regardless of how much you borrow. And application is
quick and easy.
For more details on this limited-time offer, stop by a nearby branch, call us toll-free
at (877) 431 4882, or visit standardfederalbank.com/loans/freedom.html. -
-
True Possibility
Standard Federal Bank
ABN AMR°
861010
The Annual Percentage Rates (APRs) on Standard Federal Bank's Home Equity Lines of Credit are tied to Prime. Prime is the highest Prime Rate as published in the "Money Rates" section of The Wall Street
Journal on the last publishing day of the calendar month immediately preceding the billing cycle. The margin tied to Prime varies and depends on the approved credit line amount and combined loan-to-value. On
May 28, 2004, Prime was 4.00% and the APR on Standard Federal Bank's Home Equity Line of Credit products varied between 3.25% and 7.00%. Prime is a variable rate; as it changes, the APR on your account will
change. The maximum APR is 21 %. A balloon payment will result at the end of the ten-year draw period. The Home Equity Lines are limited to owner-occupied, 1-4 family principal residences and are subject to no
less than a second lien position on your property. You must carry insurance on the property that secures this loan. Flood insurance required if necessary. There is a $50 annual fee after the first year unless you are
a member of Credit Exclusives. Consult your tax advisor concerning the deductibility of interest. Closing costs paid by Standard Federal Bank are limited to appraisal, title insurance, flood certification, and
recording fees. Any additional fees or conditions imposed by the city, state, or county that the subject property is located in will be the borrower's responsibility. The APRs are subject to change without notice.
Details of $350 cash back offer. Upon closing on your Standard Federal Home Equity Line of Credit or Fixed-Rate Loan of $35,000 or more, you may qualify to receive a reimbursement of any prepayment penalty or
early closure fee you incurred when paying off an existing second lien home equity loan with another financial institution of $35,000 or more. The maximum reimbursement you may receive is limited to $350. Limit
one reimbursement per qualifying loan. Your new Standard Federal Home Equity Loan must be used to pay off an existing second lien balance of $35,000 or more on the property we are using for collateral.
This offer may be withdrawn without notice. The reimbursement amount may be considered income to you for tax purposes. You must submit proof of the prepayment penalty or early closure fee you incurred 0
along with the completed reimbursement form you will receive at closing within 60 days of your Standard Federal Home Equity Loin closing date to qualify. Member FDIC. ©2004 Standard Federal Bank NA. man
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