*Iv

Home Equity Line of Credit

SUKKOT

from page 43

Here's the bill

The last day of Sukkot is Shemini
Atzeret. Called "the festival of con-
clusion," it is mentioned in Leviticus
23:36, Deuteronomy 16:8, and Isaiah
1 : 13) as "a holy convocation."
Shemini Atzeret is both part of
Sukkot and a separate holiday. On
this day, observant families follow all
rules associated with any major
Jewish holiday.
There are no real rituals for
Shemini Atzeret. The one exception
comes during davening, when con-
gregations recite Hallel and Yizkor
and say a prayer for rain called
Tefillat Geshem. (This is rainfall sea-
son in Israel, and we wish for farm-
ers all that they will need.)
Reciting Tefillat Geshem is a prac-
tice that began in talmudic times.
Then, a priest would fill a golden
pitcher with water. When he
returned from this task, he was
greeted by a crowd that watched as
the priest poured the water and wine
into a container on the Temple alter.

you'll get for

remodeling

your kitchen.

Open a Standard Federal Home Equity Line of Credit and get a $50 bonus.

33

5 ° P i d() DR*
$250,000-$500,000

4.00ZPR*
$125,000-$249,999

Now you can spruce up your home ... and your wallet. Our low-interest Home Equity

Line of Credit gives you a financially smart way to fund home improvements, consolidate

credit card debt, pay for unexpected expenses, and more. Plus, there are no application
fees, closing costs, or prepayment penalties.*

And if you open a new Home Equity Line of Credit, we'll deposit $50 into your

Standard Federal checking account.** Don't have a Standard Federal checking

4.25°,6R.

$75,000-$124,999

account? Open one during this promotion and you'll receive an additional bonus. To
cash in on these offers, stop by a Standard Federal branch, call (877) 732-8240, or
visit standardfederalbank.com .

4.5 APR*

525,000-574,999

,

Standard Federal Bank

ABN AMR°

892680

-

The Annual Percentage Rates (APRs) on Standard Federal'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 August 31, 2004, Prime was 4.50% and the APR on Standard Federal's Home Equity Line of Credit products varied between 3.75% and 7.50%. 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 S50 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 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. S50 Bonus Offer Details: **550 bonus offer is limited to new home equity customers.
Current home equity customers are not eligible. Loan closing must occur in a Standard Federal branch. A deposit of $50 will be made to your Standard Federal checking account at the
time of loan closing. Loan must close by November 20, 2004 to qualify. Limit one $50 bonus per loan/line of credit. This offer may be withdrawn without notice. The S50 bonus may be
LENDER
considered income to you for tax purposes. standardfederalbank.com Member FDIC. ©2004 Standard Federal Bank NA.

EXCITING EXHIBIT OPENS CPCT.

WE ARE 50%,
IDENTICAL

[ALTHOUGH SOME OF US SEEM
MORE SO THAN OTHERS]

DISCOVER AMAZING
FACTS AND LEARN WHAT
MAKES YOU SO YOU.

NOW SIHICOVVING!!
to the IIMAX- Dome Theartre

2004

44

TA

THE NEW

cienco

The New Detroit Science Center
5020 John R Street • Detroit, MI 48202
313.577.3400

www-dotroits.cienrce.oratc.r.org

-

"In honor of..
"In inemoly

TO A POTATO_

10/ 1

New, Easy On Line
Donations

the

an
y

Pill SCUT. DV :

acceniure

of.."

Now you can make donations to
he charity of your choice on-line!
No stamps, envelopes or checks
needed. Our on-line link will let
you donate to many charities
locally and abroad. Ifs safe,
easy and secure. A beautiful
acknowledgement card will be
sent by mail to the recipient.

Just log on to:
www.detroitjewishnews.com or
wwwirakaufman.com
and click on the Donations link.

671.1a, "crap wt..

,ThT

THE IRA KAUFMAN CHAPEL

r1z31,

k

n'

On The Web
Looking for more Sukkot informa-
tion and fun in Cyberspace? Check
out the following sites:
www.crayola.com/cardcreator/index .
cfm?action=holidays&id=81 allows
children (or adults) to create elec-
tronic Sukkot cards. Very cool
designs.
vvww.acs.ucalgary.ca/-elsegal/Uncle
_Eli/Jacob/Jacob.html features a
nice short story about a boy's beloved
grandfather who has just died, and
the approaching holiday of Sukkot.
www.shemayisrael.co.il/yomtov/suk
kot/skpages.htm has "My Favorite
Sukkot Coloring Book." Here are 11
pages, all with Sukkot designs,
which children can print out and
color. You also will find recipes,
commentaries and a Simchat Torah
coloring book at this site.
www.zigzagworld.com/succot is one
of the most fun Sukkot sites you'll
find. Small children can take items
and drag them into their sukkah-on-
the-screen. Words are in Hebrew on
the right, then appear as an illustra-
tion once in the sukkah.
www.uahc.org/rjmag/04fall/
wasserman.shtml offers new and
yummy recipes for Sukkot.
Appearing in Reform Judaism Online
magazine, these include Turkish
stuffed grape leaves and vegetarian
couscous. ❑