Ramsey August 22, 2012 THE VILLADOM TIMES IV • Page 13 This fall, the First Presbyterian Church in Ramsey will offer “Girls on the Run,” an exciting new program for girls in grades three through five. This afterschool program taps into the power of running to help prepare girls for a lifetime of self-respect and healthy living. Girls choose and conduct a community service project, and train to walk or run in a 5K (3.1 miles). The Ramsey girls’ run is Church to launch ‘Girls on the Run’ program this fall scheduled for Nov. 10. Participants will meet Tuesdays and Thursdays beginning Sept. 10 from 4 to 5:30 p.m. at the First Presbyterian Church, 15 Shuart Lane in Ramsey. Program topics will include dealing with body image and media, resisting peer pressure, dealing with bullying, making healthy decisions, and the importance of teamwork and community. Trained coaches help prepare the girls to be physically, mentally, and emotionally stronger and better prepared to overcome the challenges and pressures of adolescence and beyond. Girls on the Run of New Jersey is an affiliate council of Girls on the Run International, which has a network of over 140 chapters across the United States and Canada. Register online at www.sussexgirlsontherun.org. For additional information, e-mail suss excountygirlsontherun@yahoo.com or call the church at (201) 327-3879. Area Rabbi David J. Fine, PhD, spiritual leader of Temple Israel and JCC in Ridgewood, will be the featured speaker at a Publication Party to celebrate his new book, and chapters he wrote in a recently published volume from the Rabbinical Assembly, the international professional association of Conservative rabbis. The gathering is slated for Sept. 9 from 10:30 to noon at the synagogue at 475 Grove Street in Ridgewood. Rabbi Fine will read excerpts from his groundbreaking work, “Jewish Integration in the German Army in the First World War,” and his two chapters, “Taxation” and “Marriage,” in “The Observant Life,” a comprehensive guide for Jewish living today, as understood by the Conservative branch of Judaism. In “Jewish Integration in the German Army,” through letters from the front, Temple sets publication party diaries, memoirs, tombstone inscriptions, photographs, military service records, and more, Rabbi Fine offers a compelling portrait of Jewish officers serving as proud Germans. His argument leads to the conclusion that anti-Semitism was not a primary factor in their WWI wartime experience. Must citizens pay taxes under any circumstances? In the eyes of Jewish law are you a “bad” person if you put your money into a numbered Swiss bank account? When is it okay to marry someone of another race? Who is the ultimate “matchmaker,” according to Jewish tradition? Is there a right time to become parents? These are among the questions Rabbi Fine explores with compassion and insight in “The Observant Life.” For details, call (201) 444-9320, e-mail office@synagogue.org, or check the synagogue’s website at www.synagogue.org. “It takes hands to build a house, but only hearts As one of the most efficient can build a home.” banks in America, Hudson City — Unknown provides better values in the form of competitive mortgage rates and lower closing fees. Plus, we’ve developed a straightforward, pain-free mortgage process that enables you to close your loan without stress, frustration or costly surprises. Bank on Better ValuesTM by visiting one of our 135 convenient branches or by banking online. For more information call 201.967.1900 / 856.428.2740 / 732.477.0931 or visit hudsoncitysavingsbank.com. Mortgages Mortgages Maximum Loan Amounts Rate APR Monthly Payment (per $1000 est.) 5-Year 10-Year 15-Year 30-Year 30-Year 30-Year Payout 30-Year Payout 15-Year Payout 30-Year Payout 30-Year Payout Adjustable Rate Adjustable Rate Fixed Rate Fixed Rate ($417,100 to $625,000) Fixed Rate (Up to $1 million) (Up to $1 million) (Up to $417,000) (Up to $417,000) 2.500% 3.750% 3.375% 4.375% 4.375% 2.846% 3.476% 3.406% 4.393% 4.387% $3.95 $4.63 $7.09 $4.99 $4.99 Full product menu available on our website. Ask about our “Jumbo” mortgage loans and “Interest-Only” offerings. Inquire about our additional Adjustable and Fixed Rate programs not shown above, as well as our discounted programs for low/moderate income borrowers. For eligible “Interest-Only” loan products, add 1/2% to applicable amortizing rate. 20% down payment required on loans up to $1,000,000. ARM caps: 2% annual, 5% lifetime. ARM rate may increase or decrease after closing. Rates are subject to change without notice. Monthly payment shown above does not include amounts for taxes and insurance, thus resulting in the actual payment obligation being greater.