Metro JOYOUS MUSIC from page 19 Kol Hakavod member Alli Gutwillig shares a smile with JARC participant Jerome Ern-on after the concert. coming we've ever performed for. I looked out and saw people swaying and clapping and even some singing along. It was so rewarding watching people really enjoy our music. "Usually we have to beg for crowd participation, but at this perform- ance, people just got into it! It felt so good to be spreading some joy and reaching out to our fellow Jews. I really hope we can perform for them again very soon." ❑ Using your home to get money is easy. 4.75 APR* $250,000 or more Credit Line The Standard Federal Bank Home Equity Line of Credit is a smart, convenient way 5.00 ° 4R* $125,000-$249,999 Credit Line to get the money you need, when you need it. You can use the equity in your home for just about anything, from home improvements and debt consolidation to college tuition. Even emergency expenses. Access your money anytime with convenient 5.25 APR* $75,000-$124,999 Credit Line 5.50° 4R. $25,000-$74,999 Credit Line checks or with Standard Federal Online. There are no closing costs and the interest may be tax deductible.* Applying is quick and easy. Simply call (877) 732-8240, stop by any Standard Federal Bank branch or visit standardfederalbank.com . Kol Hakavod combines Israeli rock, Zionist classics and other music sung in Hebrew, English, Yiddish and Ladino. The a cap- pella group has released three CDs and performs concerts throughout the year. For booking information, contact Tori Roth at toriroth@umich.edu. II Standard Federal Bank ABN AMR° 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. APRs disclosed above assume a combined loan-to-value of 80% or less. On February 28, 2005, Prime was 5.50% and the APR on Standard Federal . Bank's Home Equity Line of Credit products varied between 4.75% and 8.50%. 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 $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 Lf ■ I is located in will be the borrower's responsibility. The APRs are subject to change without notice. Member FDIC. ©2005 Standard Federal Bank NA. LENDER Tuition Meeting jvs will host a parent informational 966760 THANK YOU FOR YOUR BUSINESS Let our trained footwear consultants custom RI- your shoes today! DETROIT JEWLSE NEWS 248 -960-0939 6263 HAGGERTY RD WEST BLOOMFIELD, MI 48322 2005 20 N. of Maple Rd., S. of Pontiac Trail cemr,„,t Fit .5. 5t:jic 1 -888-FIT-FOOT www. footsoluFions .co rn N meeting on the Jewish Educational Loan Service GELS) and additional financial aid options for college stu- dents 7 p.m. Wednesday, April 27, at JVS, 29699 Southfield Road, Southfield. JELS Coordinator Maivin Berman will discuss how to apply for an inter- est-free loan through JELS and the availability of financial assistance through state, federal, institutional, and private sources. Although the meeting will be direct- ed toward parents, students are wel- come. For advance registration or information, contact Berman, (248) 233-4209 or mberman@jvsdet.org .