NOME EQUITY EDIT LINE Il Metro GENERA l CNS 'Jemmy' Judaica i starting low as Bedtime books for Jewish toddlers. % ..99APR' for the first three rnontir as low as Potnc— l ,0% therea fter. Currently 7,23% APR' Remodeling job, vacation home, college or medical expenses... Whatever your needs, a Peoples State Bank Home Equity Line of Credit is the perfect way to finance your dreams. And now is the perfect time — with 4.99% APR* for the first three months. METROPOLITAN ,DETROIT'S 101 bE .R frpo COMPANIES 10 WORK FOR WINNER 2006 See your Peoples State Banker today 1-888-876-4545 Selections from the PJ Library EOPLES STATE BANK Farmington Hills • Fenton • Grosse Pointe Woods Hamtramck • Madison Heights • St. Clair Shores Southfield • Sterling Heights • Warren Member FDIC www.p§ netbank.com Equal Housing Lender Introductory Annual Percentage Rate (APR) effective September 25, 2006 and subject to change. LTV at or below 89.99% and an initial draw of $10,000 required in order to obtain the introductory APR. After the first 3 months, APR is variable and based on the Wall Street Journal Prime Rate ("Prime") published in the Wall Street Journal and is subject to change. Maximum APR 18.00%. Annual fee of $50 waived for the first year. Line of credit is subject to approval. Property insurance required. Title and/or flood insurance may be required. $350 prepayment penalty applies if line is cancelled within 24 months of contract date. Rate and terms may change without notice. Other rate and terms available. Unable to eat what you want? Tired of the taste and feel of messy denture adhesives? Trouble speaking clearly? Call for FREE consultation or Second Opinion New Dental Mini Implants John Kazanowski, D.D.S. 31700 Telegraph Rd. Suite 100 Bingham Farms 248•433-6000 www.drkazdds.com 18 November 23 R 2006 W ith the philanthropic sup- port of the Applebaum Family Foundation, the Jewish Federation of Metropolitan Detroit is partnering with the Harold Grinspoon Foundation to launch the PJ Library. Conceived as a giving library, the PJ Library provides young families with a treasury of Jewish books and CDs through monthly mailings. The first year's subscription is free. The PJ Library (that's PJ as in paja- mas) seeks to create sweet dreams and memories that nurture Jewish learn- ing experiences right from the start in the first years of life. Established in 2005 by the Harold Grinspoon Foundation of Western Massachusetts to put more Jewish books into the hands of young fami- lies, the PJ Library sends a book or music CD of high quality each month to participants who sign up for mail- ings. Each mailing includes a helpful guide for parents. Occasionally, a par- enting book is sent as a bonus. All books and CDs available in the program have been selected by early childhood experts to cover a wide range of topics appropriate for ages 1-3. Themes include Jewish holidays, folktales and Jewish family life. "The concept is simple, yet profound," said Robert Aronson, Federation's chief executive officer. "Story time can be one of the most powerful and nurturing experiences in early childhood. Why not turn that experience into a Jewish experience? Thanks to the vision and generos- ity of Marcia Applebaum, Federation now offers the PJ Library as a creative means of reaching young families, touching their daily lives and influenc- ing their earliest educational choices:" Mother of 2-year-old Lainey, Lauren Morton of West Bloomfield received the first PJ Library book mailed in July."A Jewish household just isn't a home without lots of books. We've been surprised and absolutely delight- ed with the quality of this program. Our daughter keeps asking when the next book is coming:' The first book sent to partici- pating families was the Caldecott Medal Winner Joseph Had a Little Overcoat, by Simms Taback. "These are not the books that I would necessarily go out buy. These books are special, the kind you get as a gift and treasure said Elisa Harwin of West Bloomfield. With 200 children on the list to receive the free PJ Library mailings, there's capacity in the program for 100 additional participants. After its first introductory year, Federation's PJ Library books and CDs for children ages 12 to 36 months old will be avail- able in monthly mailings at the nomi- nal cost of $18 per child, per year. To sign up, contact Lisa Soble Siegmann, (248) 205-2534, or e-mail siegmann@jfmd.org .