Download - The Michigan Banner November 1, 2011 Edition
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Leading in Diversity Empowering Communities and Changing Lives
Volume8Number21TheMichiganBanner
November1,2011FirstGreatLakesBayRegionalNewspaper
Communityp.10
Troop50432CookiePowerp.11
MarilynPearsonp.13
GlenThomasRideoutp.18
SenatorKahnp.9
MaketheImpossiblePossibleBillStricklandInspiresCommunityLeadersatSVSU
By Andre Buckley
On Tuesday October 25, Pittsburgh, PA community
leader, Bill Strickland, brought an empowering message
of hope and change to the audience at Saginaw Valley
State Universitys Malcolm Field Theatre for Performing
Arts. On Wednesday in the Emeriti Room at SVSU several
community leaders joined him for a luncheon where they
inquired how to duplicate his efforts in Saginaw. He
challenged those in attendance to not only change how
we view our young people (theres nothing wrong with
them) but to embrace non-traditional methods of engaging them, specificallythrough the arts.
Bill Strickland shared his story of how his life was saved through the
transformative power of creativity that he experienced in a ceramics class in
high school. He has since shared that transformative creativity with thousands of kids over the last 30 years. He is
the President and CEO of Manchester Bidwell Corporation, a jobs training center and community arts program.
The training center has developed job training ranging from pharmacy technicians to culinary experts. His after
school program provides young people the opportunity to gain skills in art, ceramics, photography and music. The
Manchester Craftsmans Guild (MCG), another component of Stricklands center, has produced Grammy award
winning compositions featuring the likes of jazz legend Dizzy Gillespie, Pat Metheny and many more. All of this
is done in one of the poorest neighborhoods in Pittsburgh.
Through tireless effort Bill Strickland has restored dignity, respect and responsibility to masses of poor people
society would have readily given up on. Through the beauty of art a connection has been made in countless
lives. Poor people deserve beautiful things, said
Strickland. His community centers are Frank Lloyd
Wright inspired structures that foster creativity and
allow poor people to experience that which they
would not otherwise. Bill Strickland believes that
environment can foster behavior. If schools look like
prisons, kids act like prisoners. Strickland utilizesthe latest technology in his classrooms and although
no expense is spared, Strickland says his classrooms
are far lest costly than prisons.
While Bill Strickland is an innovator, he has the
results to prove his methodology works. His program
in Pittsburgh was so successful that he has teamed
with public and private stakeholders to scale his
continued on page 3
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Delta College has more than 150 programs designed to help you
fnd success in the felds you want. Go ahead, pick one.Plus...
Learn in small classes with top-quality aculty.
Choose rom over 100 pre-approved university transer programs.
Pay hal as much as you would at a our-year university.
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SUCCESS:everyday@Delta
Yes, we have that.
1400W.GeneseeSaginaw,Michigan(989)753-3475www.themichiganbanner.com
Page2TheMichiganBanner
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In This IssuePolitics ................................................................................................Page 4-8Business & Financial ...........................................................................Page 12
Entertainment.......................................................................................Page 18
Health ................................................................................................Page 20
November1,2011TheMichiganBanner
Page3FirstGreatLakesBayRegionalNewspaper
The Michigan Banner
1400 W. Genesee, Suite 200Saginaw, Michigan 48602
Phone: (989) 753-3475
E-Mail:
Publisher&Editor:Jerome Buckley
SeniorEditor:R. L. Buckley
ProjectManager:Jennifer Scott
Circulation&Distribution:Staff
Marketing&SalesManagerStaff
SalesStaff
ITEd Chapman
Mission:The mission of The Michigan Banner is to
operate and serve as a print and on line
media venue committed to educating, informing
and enlightening our readers regarding events
and news that directly and indirectly affect
the communities globally.
Furthermore, our mission is to serve as a
catalyst and a link for cultivating young adultsas entrepreneurial and business leaders and to
broaden economic opportunities within
the communities worldwide.
Disclaimer:The Michigan Banner and its staff are not
responsible and will not be held liable for any
mistakes, errors, misspellings and false
advertisements inpart or whole that may be
placed within its publication. Articles, information
or comments printed in the newspaper are not
necessarily the views orbeliefs of The MichiganBanner newspaper. The Michigan Banner
reserves the right to edit, change, or delete
any information, or refuse to print any
information, article or advertisement which is
believed to be inconsistent with or conficts
with the mission of the newspaper.
1400W.GeneseeSaginaw,Michigan(989)753-3475www.themichiganbanner.com
MaketheImpossiblePossiblecontinued from page 1
success in other cities. Philanthropists have helped with the building of six community
centers including one in Grand Rapids MI. Strickland has a goal of building 100 centers in
the United States and 100 around the world. Corporate sponsors like Alcoa, Bayer, Hewlett
Packard, Heinz, EBay and Steelcase Furniture in Grand Rapids, MI have provided millionsin cash and in-kind donations. President Barak Obama named Strickland to the White House
Council for Community Solutions. He is the author of the book Make the Impossible Possible
One Mans Crusade to Inspire Others to Dream Bigger and Achieve the Extraordinary.
Among the many awards Bill Strickland has received is the prestigious MacArthur Fellowship
genius grant in 1996.
To contact Mr. Strickland, visit www.bill-strickland.org
PeopleNeedPermissiontoTakeRisksBy Jerome Buckley
Risk To take chances, to step out
Are you afraid to step out, to take chances, to move forward into the
vision that you are sure you are to follow? There is no better time than
now for productive risk, a time to encourage others normally not in your
sphere of influence to actively pursue their vision, and walk confidently
towards success. As a leader we have the responsibility to put forth the
model of positive risk for all, whether they are normally in your sphere
of influence or not.
In Ezra 3:7, Cyrus issued a decree to the Jews to return to their homeland, however, out of
hundreds of thousands of Jews (in 538 B.C.), less than 50,000 heeded his decree. The ones
who did return gave up a life of comfort and familiarity to pursue a life of rebuilding. Many
times people will take less risk because they are fearful, or they have never seen others take
positive risk. When did David become a leader? It was only after his monumental victory
over the giant, Goliath, in 1 Sam. 17-55-58, did anyone else look to him as a leader. However,
he had the honor of knowing the perfect model of excellence, God. We, of course, are not
the perfect model of excellence, but we must be the best model of excellence we can to
help people to move forward to rebuild their life. Leaders, your model of successful risk
taking could be the difference between the successful future of a person, their family, and our
communities. I continue to look forward to conversing with community leaders concerningyour models as risk takers for our youth and communities.
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BallotIncludesTaxProposalsforCountySchools,CityHallBy Mike Thompson
For The Michigan Banner
Page4TheMichiganBanner
November1,2011FirstGreatLakesBayRegionalNewspaper
1400W.GeneseeSaginaw,Michigan(989)753-3475www.themichiganbanner.com
A former Saginaw
County Board of
C o m m i s s i o n e r s
member, Jim
Graham, had a
favorite story. He
was door-knocking near Gratiot Avenue insouthwest Saginaw during a campaign, and
a constituent told him, I dont live in the
county. I live in the city. Well, needless to
say, Saginaw city dwellers indeed are part of
the county as well. And on the Nov. 8, ballot,
we have a countywide tax proposal and a
city-only tax proposal.
The countywide proposal comes not
from the courthouse, but from the Saginaw
Intermediate School District (SISD),
which oversees special education and other
functions for Saginaw Countys 13 local
school districts. Count em alphabetically:
Birch Run, Bridgeport, Buena Vista,
Chesaning, Carrollton, Frankenmuth,
Freeland, Hemlock, Merrill, Saginaw City,
Saginaw Township, St. Charles, and Swan
Valley. The proposal would add 1.4644 mills
(apologies for the multiple digits; blamethe old statewide Headlee Amendment; we
wont increase the headache by trying to
explain it) to the existing 1.9417 mills for
special education. Okay, lets simplify. This
involves adding something barely short of
1.5 mills to the existing 2 mills.
We also should explain special education.
Children (and young adults through age 26)
with major congenital disabilities attend the
Millet Center out near Bridgeport. Specialeducation also has expanded to encompass
home-district challenges such as autism and
attention deficit. And so, believe it or not,
about 1 in 5 students will receive some sort of
special education. Costs of special education
vary widely, depending on the individual. A
wheelchair-bound student at Millet obviously
will require far more special attention than an
ADHD pupil at a district school. But when
all the costs are added up, special education
requires about twice as much money as so-
called regular education. Michigans fundingformula does not take this difference fully into
account, and so money is sapped from regular
education in order to pay for the unfunded
mandate of special education. The SISD
millage proposal would help to more fully pay
for special education, which in the process
would also help to support regular education in
each home district. A taxpayer in Frankenmuth,
for instance, would be supporting Frankenmuth
schools.
Skeptics should not view this as some sort
of lottery-style trick, or three-card monte.
The SISD Board of Education, including our
Saginaw NAACP President, Leola Wilson,
and Buena Vistas Joseph Powe (longtime
public servants on this board, going back to the
1970s), and the superintendent, Richard Syrek
(formerly a veteran at the helm of Swan Valley
schools) have openly and honestly made cleartheir intent to help the local districts make ends
meet.
How much would this tax increase cost
you? Take your homes taxable value, which
is half of the sale value, and for each $1,000
in State Equalized Value, or SEV, add about
$1.50 per year. If you are a tenant, dont let
your landlord try to justify anything but a tiny
rent increase for the added expense they would
incur.TaxProposalforCityHall
The city-only tax proposal is for 1.1916
mills (or 1.2 mills rounded off) to renovate an
aging 75-year-old City Hall. I can recall a City
Council planning session back at the turn of
the millennium. Reed Phillips was the city
manager back in year 2000, and he described
two facilities in need of major repairs. One
was the Civic Center, which of course was
pawned off to the county for the 0.45-mill
tax which since has been reduced to 0.25
mill. Meanwhile, City Halls needs were postponed in favor of some semblance of
maintaining police and fire funding.
Anyone who has visited City Hall has
witnessed the room air conditioners during
summer, and windows opened during winter
because heat is not equally dispersed. Still,
the City Council did not seem to devote a
whole lot of in-depth study to this $7 million
proposal (the entire three-part Civic Center
was renovated for less than $14 million).
Council members simply accepted the
maximum study and decided, if we can do
the job for less money, great, we will either
reduce the bond issue or shorten the 16-year
payoff. Scant attention was given to less
costly options.
Voters may wish to measure this factor and
wait for an inevitable revised proposal that
doesnt necessarily tear up the total innardsof City Hall for a redo. Use of an alternative
existing building might be considered,
especially if the feds follow through on
closing the main post office, which is right
next door. Also, the City Council will have at
least three new members with the departures
of Paul Virciglio, Amanda Kitterman-Miller
and Bill Scharffe, and the trio of newcomers
just might want to have some input.
We also need to monitor these buildingrenovation plans. The Saginaw school
board approved a new gym floor at Morley
Elementary on the outer Northeast Side, and
then closed Morley. The board approved a
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November1,2011TheMichiganBanner
Page5FirstGreatLakesBayRegionalNewspaper
1400W.GeneseeSaginaw,Michigan(989)753-3475www.themichiganbanner.com
BallotIncludesTaxProposalsforCountySchools,CityHallcontinued from page 4
new playground at John Moore Elementaryacross from the courthouse, and then closed
John Moore. Why? Even though the City
Council is not the school board, we must
seek due diligence. How much would this
first proposal for City Hall renovation cost?
Add about $1.20 per year for each $1,000 of
your homes taxable value.
RememberingProposalA
Personally, Im also more than old
enough to remember 1994, when Michiganvoters passed Proposal A, which slashed
property taxes in favor of a two-penny
boost in the sales tax. It seemed like a good
deal back then. We saved about 30 mills in
property taxes, or even more depending on
the school district of our residences, and we
really didnt notice the sales tax hike unless
we were purchasing a big item such as a car.Since then, we have been sort of nickel and
dimed on the property taxes, even though they
remain lower than the pre-1994 levies. City
dwellers now pay a transit tax, a rubbish fee, a
school facilities tax, and city and county public
safety taxes.
We may ask, will these millages ever end?
My view is to maintain an open mind and to
consider each various proposal on its own
merits. We should not blame our local leaders,be they SISD board members or City Council
members. They are only striving to cope with
federal and state cutbacks, along with the bad
economy. In retrospect, it would have been a
lot easier to have been a public servant back 40
years ago, when the auto plants were humming.
Im going to vote in favor of the special
education tax, for the sake of the children,even though Ive learned that some of them
are cutting the pages and ruining their
expensive textbooks in order to hide cell
phones. A few bad apples shouldnt spoil
things for the majority of good kids, who are
facing challenges that are more difficult than
my generation ever encountered.
And Im going to cast one of my rare local
no votes against the City Hall renovation
bond issue, at least for now, in order to seewhat the new City Council might more
economically suggest. Of course, you the
reader and citizen can decide for yourself.
Please take the time to vote. Its a shame
that we only have 20 percent participation,
or sometimes worse, in these local elections.
VoteforSaginawCityCouncil,BoardofEducationBy Mike Thompson
For The Michigan Banner
DelenaSpates-Allen
Occupation:Saginaw Future Inc., government contract and export manager.
CivicInvolvement:Incumbent Board of Education president; Saginaw County Planning Commission, Saginaw County
Parks and Recreation Commission, Saginaw Housing Commission.
Statement:I am excited about my role on the Saginaw Board of Education as we continue to build a consensus with the
Board, Superintendent, Staff, Unions, Parents and the Community, while focusing on the continuation of providing all
children the opportunity to learn in a loving environment.
I will continue my focus on the district goals of:* Delivering rigorous, relevant and flexible academic programs that are globally competitive, and cultivate a culture of
college bound or post-secondary learners.
*Assuring that the district operates in a fiscally responsible and transparent manner.
* Continuing to provide quality customer service, safety, and student success.
Saginaw City Council and Board of Education elections are also on Tuesday,Nov.8. We may not think these elections are as important
as choosing the United States president, but these local officials have a great deal of influence over our lives. Plus, because of retirements,
there will be many new members. To learn more about the candidates, readers may also attend a forum at Zion Baptist Church, 721 Johnson
Street, at 3 p.m., on November 6.
As part of The Michigan Banners news coverage, we invited each candidate to list occupation and civic involvement, and to issue a 100-
word statement. Following are responses received from candidates, first from school board candidates, and then council candidates,
BOARDOFEDUCATION(VoteforuptoTHREEcandidates)
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1400W.GeneseeSaginaw,Michigan(989)753-3475www.themichiganbanner.com
Page6TheMichiganBanner
November1,2011FirstGreatLakesBayRegionalNewspaper
VoteforSaginawCityCouncil,BoardofEducationRuthAnnKnapp
Occupation: Retired music educator, Saginaw School District
Community Involvement: Diamond Life membership in NAACP, life membership in Music Educators NationalConference as well as Retired NEA/MEA and Michigan Art Educators Association
Statement:I was an educator in Saginaw schools for more than 40 years. I felt it was important to be involved both as an
employee and as a taxpayer, so I attended Board of Education meetings, starting in 1975, and have disagreed with their
decisions at times. I would be an independent voice, and, at the same time, a team player.
I believe in:
* A strong, comprehensive curriculum for ALL students that includes subjects and also the enrichment of art, music and
physical education.
* A safe and healthy environment for schools and community.
* Sound fiscal policies at all governing levels that establish education as a priority for our city, state and nation.
RudyPatterson
Occupation:Retired Delphi Chassis electrician and UAW benefits rep, currently substitute teacher for Saginaw Public
Schools
CommunityInvolvement:Saginaw Civic Center Board of Directors, Saginaw Zoning Board of Appeals, volunteer sports
coach for Saginaw schools.
Statement:Saginaw Public Schools worked well for so many of us. I would love to see our system maintain some of those
old standards, values and beliefs. Remember when all children brought books home for nightly home work? And it was
okay for teachers to tell a kid to pull those pants up? The only difference between now and then is consistency throughout
the district. The Saginaw Promise is wonderful if our students are prepared to go to college. The average counselor ratio
is 500-to-1. We must quiet our classrooms so teachers may present their material. Oh, has anyone asked why so many
children have to be medicated? Im Rudy Patterson with four children in the district. I have a lot to talk about!
JoeManuelLoperena
(HeaskedtheCityClerktoremovehisnamefromtheballot,butbythetimeheasked,theballotsalreadywere
printed.)
SAGINAWCITYCOUNCIL(VoteforuptoFIVEcandidates)
AnnieBoensch
Occupation: Full-time motherCivicInvolvement:Saginaw County Democratic Party, Covenant Neighborhood Association.
Statement:I am running for Saginaw City Council because I envision our city as being one where families look forward
to raising their children children who will grow and plant their own roots here. I hope for a future that shows Saginaw
as a city that holds public safety, job security, a strong economy and a community of caring among its very top priorities.
I believe Saginaw needs leaders who are not afraid to take a stand and do what is right... Leaders like me. I count on your
support to make this vision of hope a reality in our city!
NormanC.Braddock
Occupation:SVRC Industries, director of quality and business development
CivicInvolvement:Saginaw Board of Education, Saginaw Promise, Bridge Center for Racial Harmony.
Statement:As a candidate for city council I will be committed to the citizens of Saginaw. Competent to serve based upon
my 12 years of service on the Saginaw School Board and connected based upon my lifelong experience with the people
and institutions of this city, the region, the state of Michigan and these United States of America.
Photo
Not
Available
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November1,2011TheMichiganBanner
Page7FirstGreatLakesBayRegionalNewspaper
1400W.GeneseeSaginaw,Michigan(989)753-3475www.themichiganbanner.com
VoteforSaginawCityCouncil,BoardofEducationWillieF.Casey
Occupation:GM retiree and pastor of New Beginning Christian Church of God in Christ.
CivicInvolvement:Habitat for Humanity, Ezekiel Project child lead paint poisoning prevention.Statement: I have served as a charter school board member at Frances Reh Academy, led Bible study at the Rescue
Mission and the County Juvenile Center, and worked with families and children impacted by incarceration at MCP Support
Center. I want to represent the entire community and be a voice for all citizens. I believe that we should work together to
restore Saginaw to its former glory through job creation, and economic stability, and with the right representation at the
Council Table. Your vote for me will help Saginaw to be a better city.
DanFitzpatrick
Occupation:AT & T telecommunications director and manager
CivicInvolvement:Incumbent City Council member, Friends of Hoyt Park, Habitat for Humanity, Knights of Columbus,
Saginaw County 911.Statement:The accomplishment Im most proud of is joining with (retiring councilman) Paul Virciglio and a handful of
dedicated community leaders/volunteers in a vision for the re-use of Hoyt Park. An organization called Friends of Hoyt
Park was created and we are now seeing that vision making big strides. Also, I helped to take a major step forward in public
safety, as the chair of the special committee to draft the dangerous dog ordinance, which passed earlier this summer.
FloydKloc
Occupation:Private practice attorney
Civic Involvement:Historical Society of Saginaw County, Saginaw Kiwanis Club and Foundation, Saginaw Bay
Symphony Association, Positive Results In a Downtown Environment (PRIDE).
Statement:My legal training, my 35 years living and practicing law in Saginaw, and many years of community service,as well as my past work as Chief Assistant City Attorney and continued municipal law practice, has uniquely prepared
me for service on the City Council. I have experience with City government and its operations, and the problems facing
it. I have great experience with problem solving, legal matters, and the needs of our community. I have a strong, positive
vision for Saginaw, and as an ardent City supporter, I will bring enthusiasm, energy and commitment to making Saginaw
an attractive community again.
CervinDonMerrill
Occupation:Pastor of Greater Works Ministries
CivicInvolvement:President of the Save Our Selves Coalition (SOS) and the Lifeline Coalition
Community Volunteer
Statement:As a City of Saginaw councilman I will work to bring jobs to the city, curve gang violence, eliminate blight
in the city, and create more programs for our youth and elderly citizens. Saginaw needs new leadership with the dedication
and commitment to improve quality of life for our people. I am committed and dedicated; and will not hesitate to do whats
needed to improve our total community, but I need your help.
AmosONeal
Occupation:Protection Behavior Health Alliance, correctional health division director (halfway house on Norman Street)
CivicInvolvement:Incumbent City Council member and mayor pro-tem, Parishioners on Patrol, Michigan Municipal
League, National League of Cities.Statement:My qualities are experience, leadership and community involvement. I am working for the priorities of the
community. These are to keep Saginaw safe, to improve neighborhoods and to improve the condition of our roads.
ErnieMitchellAhmad
Response not available.
Photo
NotAvailable
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Page8TheMichiganBanner
November1,2011FirstGreatLakesBayRegionalNewspaper
1400W.GeneseeSaginaw,Michigan(989)753-3475www.themichiganbanner.com
Election2011By Pastor Charles H. Coleman, D.C.E.
For The Michigan Banner
In just a few days,
we will have the
opportunity to go to
the polls and vote
for men and women
to occupy seats at
our local boards and
commissions. This
is what they call an
off year election in that there are no federal
or state offices being filled. It is, though,probably one of the most important elections
that we will have a chance to vote in.
When we elect a President, a Senator, a
congressperson, a governor, state senator or
state representative, we elect very important
people. These are the men and women who
sit in the seats of power and direct the affairs
of our country and states. These are the men
and women who control how much money
gets to the local governments from thefederal and state government. They do have
a very real impact on our lives, and how
our communities function. The important
thing to remember, though, is that while they
insure that the money gets to our locality,
they do not tell us exactly how it should be
spent.
Those decisions are made at the local
level. Those decisions are made by the
Superintendents of Schools and the City
Managers. Superintendents of Schools and
City Managers are hired by the local Boards
of Education and City Councils. It is these
people who will make the recommendations
and decisions about how those dollars should
be spent when they get here. It is these
individuals, who live with us, who shop in the
same stores that we shop in, who go to church
with us, who go to the football and basketball
games with us, who make the decisions about
how the dollars should be spent. While you
may meet your congressman and senator, while
you may get a chance to chat with your state
representative or state senator, you can see thecity council person and board of education
trustee out and about. You can suggest to them
what you think should happen with the dollars.
You can suggest to them what you think the
policy should be. Because they see and hear
us, they are close enough to us to understand
what we think is important and act on it.
When we vote on November 8th, we will
vote for the men and women who will decide
how many police officers and firefightersshould be available to our community. When
we vote on November 8th, we will vote for the
men and women who will decide how many
teachers will work in our schools. When we
vote on November 8th, we will select the people
who will decide if transportation for students
will be privatized, if our rubbish will be picked
up, if we will keep athletics in schools, if we
will have recreation for our children.
On Tuesday, November 8th, we have the
opportunity to elect men and women to the
Boards of Education and City Councils who
look, think and act like we do. We have the
opportunity to influence the hiring and firing
of City Managers and Superintendents of
Schools. We have the opportunity to decide
if we want people who will work to ensure
that there is balance in local government.
When our parents and grandparents were
marching for Civil Rights, among the most
important of those rights was the right to
vote. It was said that if you did not vote,
you did not count. That statement is as true
today as it was 50 years ago. Your vote isyour voice. Your vote is your way of saying
that you like or dislike the direction that
your community or school system is taking.
If you dont vote, you should not complain
about what happens because in not voting,
you said that you agree with that the voters
said. If you want to be heard, then get up
on November 8th, and go to the polls. Dont
go to the polls alone, but take someone.
After you have voted, call someone else andremind them to go to the polls. Different
from people around the world, you will not
be arrested for voting. Different from people
in other parts of the world, you do not have
to wait on line for days to vote. You can go
to the polls and vote and be on your way,
usually in less than an hour.
Lets break a record and go to the polls in
big numbers on November 8th, and elect the
right people to the City Councils and Boards
of Education.
RaisingtheBar:ReformingMichigansK-12SchoolsReforming Michigans K-12 schools will
be the topic of the next Delta Debates Political
Forum Series, featuring a legislator, teachers,
school superintendent, education departmentdirector and union representative. The panel
discussion will be held on Monday, November
7, from 7-8:30 p.m. in the Delta College
Lecture Theater (G-160). It is free and open to
the public.
Moderated by Michigan Public Radios
Rick Pluta, the panel will provide a range of
perspectives on the critical issues facing the
state of curriculum mandates, education funding,teacher tenure reform and charter schools. It will
include: Linda Forward, director of the Office
of Education Improvement and Innovation;
Deanna Hull, 4th grade teacher, Arthur Eddy
Academy; Roger Kahn, state senator, Michigans
32nd Senate District; Doug Newcombe, Bay
City Public Schools Superintendent; Sandra
Schafer, chemistry teacher, John Glenn High
School; and Louise Somalski, LegislativeCoordinator, American Federation of Teachers.
Throughout the event, moderator Rick Pluta
will ask questions of the panel, with audience
questions welcome toward the end.
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November1,2011TheMichiganBanner
Page9FirstGreatLakesBayRegionalNewspaper
1400W.GeneseeSaginaw,Michigan(989)753-3475www.themichiganbanner.com
Sen.KahnRecognizesHispanicAdvocacyDay
LANSING Sen. Roger Kahn, R-Saginaw Township,(from left) welcomed Hispanic/Latino Commission ofMichigan Commissioner Gilberto Guevara of SaginawCounty and Executive Director Marylou Olivarez Mason tothe state Capitol for Hispanic Advocacy Day. Kahn is the proud sponsor of Senate Resolution 90, which recognizesOct. 20, 2011 as Hispanic Advocacy Day. The resolution hasbeen approved by the Senate.
Saturday, November 5
9:30 AM ~ 2:30 PMMid-Michigan Childrens Museum
315 W. Genesee, Saginaw
Delta Sigma Theta Sorority, Inc.Saginaw Alumnae Chapter
presents
Learn how to keep your heart & body healthy in a fun way!
Discounted admission: $5Free gift to all children (10 and under) who attend.
Children must be accompanied by an adult.
SpecialGroup Activities
10:45 AM
12:30 PM
1:45 PM
Joinus for
FUN!FUN!
PowerPlay
For info, contact the Mid-Michigan Childrens Museum(989) 399-6626 www.midmicm.org
Adult Health ScreeningsMartial Arts Demo
Whats the science behind physical energy? Kid-friendly nutrition advice
Dance your way to fitness all day with our DJ spinning the tunes.
Atnya Pattersn,REAlToR
Century 21 Signature Reaty5580 State St., Ste. 4Saginaw, MI 48603
989-284-1465 ce989-921-7000 ffice
989-921-7001 [email protected]
CongratulationsCongratulations to Aniya Washington, age 12, winner of The
Michigan Banner Junior Voice Your Vision Writing contest. Sheis a member of New Birth MBC, Pastor Larry Camel, and attends
Bridgeport Middle School. The daughter of Barbara Jones and
Angelouse Washington, she enjoys writing poetry to help me
express my feelings, she explains, helping out at church, and
spending time and shopping with family and friends. Aniyas
poem, In These Streets was published in The Michigan
Banner, October 16, edition, and can also be read on the blog at
themichiganbanner.wordpress.com, or www.themichiganbanner.
com. Aniya will also receive a $50.00 cash prize.
OperationReach
SponsorsMale
ResponsibilityWorkshop
By Noah Bruner
Operation Reach is taking a bite out of
crime every Monday from 6 7 p.m. with
Male Responsibility workshops. We have a
different male role model facilitate the session
every week to give the young men a differentperspective, improve their social network, teach
responsibility, and how to give back to their
community. Operation Reach was honored to
have Bob Johnson and Christopher Parham
facilitate the first two sessions. In addition,
each young man expressed appreciation for
Bob and Christopher taking time out of their
busy schedules for the encouraging words
to them to set goals, and plan for their future
so they will not be a statistic. Please contactOperation Reach at 989 754-4444 to schedule
a facilitation group for young men for 1 hour at
one of our upcoming workshops every Monday
from 6 - 7pm.
All lasting
business
is built on
friendship.
Alfred A.
Montapert
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EmployeeVolunteerism
As a global company, our commitment to social responsibility stretches around the globe. Dow people have always reached out to help
our extended family, but it is in our own communities with our friends and neighbors that we really roll up our sleeves and get to work.
From building homes to mentoring children, our employees volunteer their time and talents to make a difference. We support and encourage
the grassroots efforts or our employees, and encourage you to learn more about how Dow people are lending a helping hand in Michigan
communities through Dow Promise, Habitat for Humanity and United Way.
DowPromise:
It started as a vision the vision of Dow employees to positively impact African-American communities near Dow locations, where
economic and educational challenges may be barriers to success. It was also a promise to give something back to kids and their communities.
Since its creation in 2000, Dow Promise has evolved from a promise into a lasting relationship that supports Dows commitment to the
principles of Sustainable Development, and more importantly, social responsibility.
Dow Promise supports non-profit programs that demonstrate one of the following:
AclearneedinthecityorcommunitywhereDowhasapresence Achancetohelppre-collegestudentsdiscoverthewondersofscience
Supportofaprojectorprograminvolvingscience,engineering,businessorarelatedareawhereDowneedstalentedpeople
An opportunity to sustain and enhance the
environment
HabitatforHumanityofMidland,SaginawandBay
Counties:
Dows relationship with Habitat for Humanity began in
the early 1980s. Since then, Dow has contributed millions in
financial and product support. Thousands of our employees
have volunteered their time to help with local builds andother Habitat activities over the past 25-plus years.
UnitedWay:
Dow employees lead the effort to bring community
needs in mid-Michigan to the attention of other Dow
employees. The United Way program in mid-Michigan
focuses on broad employee communications and personal
invitations to help meet challenging community goals.
The United Way campaign succeeds at Dow because
it encourages employee involvement at every level of
campaign planning. The message is clear. The people that
United Way helps are our neighbors, our friends, and so
very often, our families.
Page10TheMichiganBanner
November1,2011FirstGreatLakesBayRegionalNewspaper
1400W.GeneseeSaginaw,Michigan(989)753-3475www.themichiganbanner.com
Dow combines the power of science and technology with the Human Element to passionately innovate what is essential to human progress. The
Company connects chemistry and innovation with the principles of sustainability to help address many of the worlds most challenging problems such
as the need for clean water, renewable energy generation and conservation, and increasing agricultural productivity. Dows diversified industry-leadingportfolio of specialty chemical, advanced materials, agrosciences and plastics businesses delivers a broad range of technology-based products and solutions
to customers in approximately 160 countries and in high growth sectors such as electronics, water, energy, coatings and agriculture. In 2010, Dow had
annual sales of $53.7 billion and employed approximately 50,000 people worldwide. The Companys more than 5,000 products are manufactured at 188
sites in 35 countries across the globe. References to Dow or the Company mean The Dow Chemical Company and its consolidated subsidiaries unless
otherwise expressly noted. More information about Dow can be found at www.dow.com.
CommittedtoCommunity
AboutDow
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November1,2011TheMichiganBanner
Page11FirstGreatLakesBayRegionalNewspaper
Rep.OakesCondemnsRevisionstoAutoNo-FaultModifications to auto no-fault will make it more difficult for those
injured in auto accidents to receive medical coverage.
LANSING
Recently, State Rep.
Stacy Erwin Oakes
(D-Saginaw) condemned
HB 4936, a bill to revise
the states auto no-
fault law. Revisions
would include: No-
fault policies would no
longer automatically
cover unlimited lifetimemedical and rehabilitation benefits; the fee
schedule used in the Workers Comp system
would be applied to payments made by auto
insurers to physicians, hospitals, and providers
treating an injured person or providing rehab,
provisions determining when a person may
sue for pain and suffering would be amended;
individuals injured on a motorcycle involved
in an accident with a motor vehicle could claim
PIP benefits only up to a maximum of $250,000;
Motorcyclists and passengers not wearing
helmets would be considered at least 35 percent
comparatively at fault for the purposes of assessing
damages in lawsuits, and would not be entitled to
recover damages for excess expenses, work loss, or
survivors loss; and specific limits would be placed
in statute on attendant care or nursing services
provided in an injured persons home.
House Bill 4936 was introduced by State Rep.
Pete Lund (R- Shelby Township), chair of the HouseCommittee on Insurance. After three hearings of
testimony, the bill was brought up for a vote where
it passed with a 9-7 vote. Typically, when an
unpopular bill is passed the Michigan Constitution
allows voters the opportunity to challenge it with
a referendum. In this case, however, the bill was
made referendum proof by including a $50,000
appropriation for the issuance of a report. The
Michigan Constitution provides that any law
which appropriates money is referendum proof,
in an attempt to protect the full faith and credit
of the State of Michigan. Republicans continue
to cram unpopular changes to longstanding law
through the legislative process despite opposition
from industry professionals, physicians and their
constituents, Oakes said. Appropriating these
funds for a so-called report on implementation
is simply a democracy-skirting tactic, she
emphasized.
Also in opposition to the modifications wasformer State Rep. Jim Howell. I applaud Rep.
Howells attempt to give the present legislature
historical perspective on the no-fault law,
Oakes said. My Republican colleagues would
be wise to heed his suggestions, but I fear that,
by no fault of his own, his petitions will fall on
deaf ears.
GirlScoutsCookieOrders
WillSupportLeadership
ProgramsGirl Scouts in
the Great Lakes
Bay Region of
Girl Scouts Heart
of Michigan are
ready to take
your order for
your favorite Girl
Scout cookies.
The once-a-year
program, which
runs through
November 5,
offers customers
their favorite treats and supports leadership
programs for girls ages 5 17. After November5, Girl Scouts will be selling cookies at booths
around the community. In November, customers
can find cookie booth locations near them by
visiting www.gshom.org and clicking on the
Cookie Locator.
SpousalBenefitsOfferIncreasedRetirementOptionsBy Cynthia W. EdwardsSocial Security
Public Affairs Specialist
Flint - You may have more
options than you know when
it comes to Social Security
benefits. Like many, you
probably have given some
thought to your own retirementplans. You know you can retire as
early as age 62 and get reduced
benefits. You know you can
wait until your full retirement
age and get full benefits. You
also may know you can defer collecting benefits and accrue
delayed retirement credits up to age 70, which will boost
your payment. But did you know that being a spouse or a
widower gives you even more choices?
For example, if you have reached your full retirement
age when you elect to receive benefits and are eligible for
a spouses or ex-spouses benefit and your own retirement benefit, you may choose to receive only spouses benefits.
In this way, you can continue to earn delayed retirement
credits on your own Social Security record. You then may
file for benefits on your own record later and receive a higher
monthly benefit based on the effect of delayed retirement
credits.
Widows and widowers have similar options. Widows
and widowers can begin receiving Social Security benefits
at age 60, at age 50 if they are disabled, or at any age if they
are caring for the deceased workers child who is younger
than 16 or disabled and also entitled to Social Security benefits on the deceased workers record. Widows and
widowers can take a reduced benefit on one record and
later switch to a full benefit on the other record. For
example, a woman could take a reduced widows benefit
at age 60 or 62 and then switch to her full (100 percent)
retirement benefit when she reaches full retirement age.
If you already are receiving reduced benefits and
you then are widowed, you may want to wait until full
retirement age to claim survivors benefits. Then your
benefits as a survivor will not be reduced for your age.
They may be reduced, however, if your deceased spouse
took benefits early and was receiving reduced benefits.The rules vary depending on the situation, so you
should talk to a Social Security representative about
the options available to you. To learn more, visit www.
socialsecurity.gov or call 1-800-772-1213 (TTY 1-800-
325-0778).
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Page12TheMichiganBanner
November1,2011FirstGreatLakesBayRegionalNewspaper
1400W.GeneseeSaginaw,Michigan(989)753-3475www.themichiganbanner.com
Business & Financial
Whether you are starting up a new business or
expanding an established business in the City
of Saginaw, youre starting something good.Services. Jobs. Goods. Knowledge. Expertise.
These are the fundamentals that built Saginaw
long ago and they are the principals that will
move us forward toward a bright future.
The business loan
program at the SaginawEconomic Development
Corporation (SEDC) is
designed to provide
needed funds when
bank financing is not
available or to fill the
gap between bank loans
and additional needs.SEDC offers loans
of up to $220,000
for commercial real
estate, machinery
and equipment, and
inventory
Business must be
located within theCity of Saginaw
Additional
requirements
are available by
contacting us.
InvestIng In Your successBusiness Loans
Mary Hart, Loan Support
1315 S. Washington Ave., Room 207
Saginaw, MI 48601
Phone: 989-759-1395 Fax: 989-759-1734
Email: [email protected]
saiawemi
Dlpmcpai
odai Thrns
Director of
Development
LayawayNowforLater:BBB
AdviceontheLayawayProcessThe current economy has left many shoppers on a budget and
searching for more affordable methods of paying for big-ticket items
and holiday gifts. This holiday season, many families will be turning
to alternate forms of payment to make ends meet. With many stores
offering layaway services, Better Business Bureau (BBB) is offering
advice on how to use this payment plan in lieu of credit cards.
Once considered a dated, old-fashioned method of payment,
layaway services are back in a big way, with many businesses nowshaking the dust off their layaway programs for todays beleaguered
consumers. Buying items on layaway is different from putting them on
a credit card because the buyer isnt charged interest on the purchase
and cant take the item home until it is paid off. When purchasing
items on layaway, the buyer must typically make a down payment of
10 to 20 percent and pay any service or plan fees for the store to hold
the item(s) for them. The customer then has typically 30 to 90 days
to make periodic payments to pay off the balance. Once paid off, the
customer can take the item(s) home.
Layaway services can be a great alternative to the using a creditcard, said Patrick Bennett, BBB Director of Community Relations.
However, its extremely important that customers take note of the fine
print and know what to expect. As a complement to in-store layaway,
some stores provide online layaway services for purchasing items
through the retailer s website. Additionally, third-party businesses have
sprung up for the purpose of setting up layaway plans online between
customers and retailers that dont already have a layaway program.
Customers make periodic payments to the third-party layaway service
provider. Once the item is fully paid for, the business then buys the
item from the retailer and ships it to the customer.When buying items on layaway, BBB advises consumers to get
everything in writing and offers the following checklist of questions to ask:HowmuchtimedoIhavetopayofftheitem?
Whenarethepaymentsdue?
HowmuchdoIhavetoputdown?
Arethereanystorageorserviceplanfees?
WhathappensifImissapayment?Aretherepenalties?Doesthe
item return to inventory?
CanIgetarefundorstorecreditifInolongerwanttheitemaftermaking a few payments?
WhathappensiftheitemgoesonsaleafterIveputitonlayaway?
Does the retailer or third-party layaway service have a good BBB rating?For more advice on how to be a well-informed consumer this
holiday season, visit www.easternmichiganbbb.org/bbb-news.
GrowingNumberofSeniorsFacingForeclosureNeedYourHelp
By Rawle Andrews Jr.AARP Regional Vice PresidentMideast States
AARP is deeply committed to removing barriers that keep older
Americans from aging in place, or remaining in their own homes
continued on page 23
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November1,2011TheMichiganBanner
Page13FirstGreatLakesBayRegionalNewspaper
DenialIsMoreThanJustARiverGetting Back to Basics in This Tough Economy
By Marilyn Pearson
President & CEO, TPB Legacy Group
As a Philanthropic
Consultant, I work
with universities,
colleges and nonprofit
organizations. One
common thread that
ties these groups
together is that the
financial support for these organizations have been shrinking as people find themselves
caught in an economy crisis that has not
yielded extra money to support worthy
causes and effect change in this world.
We must not be in denial regarding our
income and expenses and how we manage
our finances every day. When I say, denial
is more than just a river, we have to stop
kidding ourselves about what we are buying,
how what we are spending, and develop astrategy to get back to the basics in managing
our finances.
I recently facilitated a workshop for a
group of young people who aged out of the
foster care system. They were participating
in a program that will pay their tuition to a
community college and their expenses are
covered in order to give them a jump start
to a productive life. One of the participantssaid, I pay my cable bill first; I just cannot
live without cable. I tried to point out to
him that if you do not keep a roof over your
head and pay your utility bill on time, your
cable will not be connected and all the other
expenses are mute! My personal motto is
pay your rent first!
Here are a few steps to getting control
of our dollars and find a way to support a
working cause in the community.1. Keep track of all your expenditures
for one month. Dont miss anything,
including ATM withdrawal fees, fast food
purchases, quick trips for designer coffee,
the corner store purchase for that occasional
lottery ticket.
2. Pick up a notebook and list on one page
all of your fixed expenses:
Mortgageorrentpayments
Utilities(electric,gas,water)
Insurance (life, auto, home or
apartment)
Phone(LANline)
Propertytaxes Auto maintenance (gas, oil changes,
basic upkeep)
Creditcards
Food
Householdmaintenance(lawncare)
Laundryanddrycleaning
Personal care products (soap,
toothpaste, etc.)
Churchdonations
3. List all of your expenses that can beconsidered non-essentials:
Cable/internet
Cellphones
Newclothing
Tripstobeautysalonorbarber
Pedicuresandmanicures
iPoddownloads,DVDmovies,CDsof
current artists
Entertainment (concerts, movies,computer games)
Lotterypurchasesandcasinovisits
Extracreditcards
4. List all of your income:
Employment (wages or commissions
received)
Dividendsandinvestmentincome
Rentalincome
Any funds received from friends or
familyAfter 30 days, block out some time and take
a good look at your expenses and your income.
Review what your budget is for the month. If
you have extra dollars, place a portion in your
savings account. It is recommended that you
have at least six months of your income
available for emergencies. With any extra
dollars, you can also find a local charity and
make a donation. You can contribute your
time and talent a few hours a week in lieu of
a cash donation. You can still effect change
in your community and the world.
This is a true reality check and you can
move from denial to reality and the changesthat you need to make to get on the road to
financial stability. If your expenses continue
to exceed your income, you will be living
your life in a deficit.
Financial Planning Tips:
If you have a past due bill, do not ignore
the mail or the phone calls. The bills will not
go away if you do not open the mail and the
calls will continue relentlessly.
Call your creditors and let them knowyour situation (recent job loss, decrease
in work hours, or if illness is preventing
you from working). Ask if there are any
programs to work out a payment plan for the
outstanding balance. If the reply you get is
NO, ask again.
Doyouhaveaprogramthatwillhelp
me with a solution to work out this debt?
Isthereawaytoreducetheinterestrate and let me pay the balance over a period
of time?
MayIspeakwithasupervisortosee
if there are any programs that they may have
access to help me during these trying times?
I have found that asking (at least three
times), Is there anything else that you can
offer? usually produces a favorable response.
Always get the name, location, ID and contact
number of the representative you talk with.Keep this information in your notebook and
make room for a couple of pages for each bill
so that you know whom you spoke with and
how they will be able to help you.
continued on page 14
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Page14TheMichiganBanner
November1,2011FirstGreatLakesBayRegionalNewspaper
1400W.GeneseeSaginaw,Michigan(989)753-3475www.themichiganbanner.com
DenialIsMoreThanJustARivercontinued from page 13
Remember: do not make an agreement that you cannot keep!
Once you develop your budget and how much income you have
each month, you will be able to work within that budget. If we know
where we stand financially, we can map out a plan for where we
would like to be and take steps to eliminate our debt. When we can
see exactly where we are, we will be able to make a difference within
our families and our community.
It has been said that people dont plan to fail -- they fail to plan.We must plan to be successful financially. Getting back to basics
with your finances will help you move from denial to reality.at Wanigas Credit Union FreeFinancialCounseling LowRatesonConsumerandMortgageLoans
FirstTimeHome BuyerProgram
FixedRateMortgages upto30years HomeEquityLoans andLines ofCredit Personal,ProfessionalService
1837 Bagley, Saginaw
9030 Gratiot, Saginaw4026 Shattuck, Saginaw
4129 N. Euclid, Bay City
113 W. Huron, Vassar
989.799.9800
www.wanigas.com
Its Time for
toYOU
Shine
3481843-
01
5090 State Street | Building A Suite One | Saginaw, Michigan 48603989.792.2552 | fax: 989.792.3881 | [email protected]
Business Lawyers for
Business People
Humphreys,Campbell,
Dust & Humphreys, P.C.Attorneys and Counselors at Law
Divorce*FamilyLawCorporations*LLCs
BusinessTransactions*Litigation
Trusts*Wills*ProbatePowersOfAttorneyRealEstate
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1400W.GeneseeSaginaw,Michigan(989)753-3475www.themichiganbanner.com
November1,2011TheMichiganBanner
Page15FirstGreatLakesBayRegionalNewspaper
2011 AT&T Intellectual Property. All rights reserved .
your business your wayAfrican American-owned businesses do more than your share of groundbreaking. Where
others see obstacles, you see only opportunities. Thats why AT&T is proud to deliver the
connections and breakthrough technology that can help you grow like our wireless network
with access to the nations largest Wi-fi network. We believe in limitless possibilities.
And we believe in you.
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1400W.GeneseeSaginaw,Michigan(989)753-3475www.themichiganbanner.com
Page16TheMichiganBanner
November1,2011FirstGreatLakesBayRegionalNewspaper
Business DirectoryAttrneys
John D. L. HumphreysHumphreys, Campbell, Dust & Humphreys, P.C.Building A , Suite One, 5090 State StreetSaginaw, MI 48603(989) 792-2522 Fax (989) 792-3881E-Mail [email protected]
Authrs
W. James Richardson1356 Woodside StreetSaginaw, MI988-753-0233www.wjamesrichardson.com
Aut2 Fresh DetailingAuto Detail ShopKenny Jackson306 E. Remington StreetSaginaw, MI 48601
989-753-9155
McDonald Pontiac-GMC, Inc.5155 State Street Saginaw, MI 48603Leon V. WashingtonSales & Leasing [email protected]
Saginaw Valley Ford Lincoln Mercury4201 Bay RoadSaginaw, MI989-792-2453
Bakeries
Lighthouse Bakery285 S. Outer Drive Saginaw, MI989-754-7088 Fax 989-754-7099
Banquet Faciities
Rowan - West Facility1400 W. GeneseeSaginaw, Michigan
989-753-3475
Beauty
Illusions Beauty SalonValerie KingOwner/Operator1400 W. Genesee StreetSaginaw, Michigan989-755-2666/989-755-3883
LocAccentsTonita LawsonSisterlocks Consultant6327 Laurentian Ct.Flint, MI 48532810-240-9665www.LocAccents.Blogsport.comwww.Sisterlocks.com
Reection of U Too
2103 Sheridan Ave.Saginaw, Michigan989-753-4600
Shea GalleriaDee HollowayBarber/Stylist1703 E. GeneseeSaginaw, MI 48601989-245-5479
Shea GalleriaMonicas1703 E. GeneseeSaginaw, MI 48601
989-484-0259Sports Barbershop1400 W. GeneseeSaginaw, Michigan
989-992-2600
Unique Cuts & Massage1502 Court StreetSaginaw, MI 48602989-327-2338
Unique Cuts II3125 E. HollandSaginaw, MI 48601
989-327-2338Carrtn Pubic Schs
Craig C. DouglasSuperintendentP.O. Box 517Carrollton, MI 48724(989) 754-1475Fax (989) 754-1470Direct Dial (989) [email protected]
Cmmunity Centers and Services
First Ward Community ServicesSheilda BraddockPresident/CEOHuman Services1410 N. 12th StreetSaginaw, Michigan
989-753-0411
Cmputers
Creative ComputersLathan Wilson (Buddy)817 East GeneseeSaginaw, MI 48607
989-755-9290
DentistsJack Weston Nash DDSCosmetic and Restorative Dentistry1320 S. Washington AvenueSaginaw, Michigan 48601989-752-1200
Finance
KarenLawrence-Webster.comFinancial AdvisorsAXA Advisors, LLC4800 Fashion Square Blvd.,Suite220Saginaw, Michigan [email protected](989)797-3281
Fd & Dining
Spencers Route 46Spence DambroProprietor
5530 Gratiot989-793-3400Saginaw, MI 48638www.spencersfinefood.com
Graphics/Digita
TBF Graphics Digital803 S. Washington Ave.Saginaw, Michigan989-752-5540TBFGRAPHICS.COMTBFDIGITAL.COM
Husing Agency
Circle of LoveHousing Counseling AgencyPamelia D. Brazil1809 Durand StreetSaginaw, Michigan989-921-0569www.circleoovecdc.org
Heating and Cing
HORIZONAzola Williams989-755-8650 Business989-233-3295 Cell
Pubicatins
David HallCrimiel Publications LLCPOB 20061Saginaw, Michigan 48602
ReatrsCentury 21Atonya F. Patterson, Realtor5580 State St., Suite 4Saginaw, Michigan 48603989.921.7000 ofce989.284.1465 [email protected]
Century 21
Rose Chandler, Realtor5580 State Street, Suite 4Saginaw, Michigan 48603
989.921.7000 ofce
989.921.7001 fax989.753.5796 home [email protected] cell
Restaurants
Brother Arthurs Fish & More2522 E. GeneseeSaginaw, MI989-752-0200
Kings Fish-N-MoreEddie KingOwner & Chef1202 N. Washington Ave
Saginaw, Michigan 48601(989) 252-43042 way# 131*433*10322Catering Available Upon Request
Rite Spot1205 LapeerSaginaw, MI 48601989-754-6001
Retaiers
GREEKS R US2203 E. GeneseeSaginaw, MI 48601
Kennys Clothes310 Johnson St.Saginaw, MI989-753-4552 [email protected]
TairsExecutive TailoringChristopher E. EddingtonMaster Tailor418 Court Street
Saginaw, MI [email protected] hour service
Tax Services
Robert McDuffy Tax & AccountingService/ERO e-le2127 LedyardSaginaw, MI 48601Business - 989-443-0115Fax [email protected]
TransprtatinMcFadden Charter Service, LLCHoward McFadden1200 E. Moore Rd.Saginaw, Michigan989-777-7038 / 989-751-1461Howard [email protected]
Advertise your business with us!
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At Dow, we are committed to the success of the Great LakesBay Region. When we invest in our community, we invest in our
future. Whether we support events and organizations, collaborate
on high-priority needs, or get involved through volunteering,
we are the Human Element Dow people bonding with our
communities to make good things happen. Dow is proud to be
part of building a brighter tomorrow.
Trademark of The Dow Chemical Company.
Committed to Community.
. . :
1400W.GeneseeSaginaw,Michigan(989)753-3475www.themichiganbanner.com
November1,2011TheMichiganBanner
Page17FirstGreatLakesBayRegionalNewspaper
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Page18TheMichiganBanner
November1,2011FirstGreatLakesBayRegionalNewspaper
Entertainment
ReflectionsBy Steve HolseyEstablished
In the recording world, one of the mostgratifying things-for the fortunate few-is tobe so firmly established that whether or notyou have a current hit, or a current releaseperiod, there is an audience. Those fans willshow up no matter what, and there is alwaysmedia interest from the media.
A perfect example is Stevie Wonder.Being an icon, he can stay out of the recordingstudio for a decade, or never go back, and itwouldnt matter. Being a legend with a solid body of work and a reputation for givinggreat shows trumps everything else.
Frankie Beverly & Maze hasnt had arecord on the charts since 1994, but thereis still a packed house for every show. Onone occasion Barry White performed at theFox Theater without a current hot record, yetthe theater was filled to capacity, and thatincludes the balcony.
Among others whoare established solidas a rock are ArethaFranklin, the OJays,Gladys Knight, Prince,Dionne Warwick, Ron
Isley, Diana Ross,Earth, Wind & Fire, Natalie Cole, the
Temptations (despite all the personnel changes),Tina Turner and Roberta Flack. These artists,and others like them, will always be in demand,and thats what you call job security.
NOWTOTHE unexpected. From 1998to 2000, one of the music industrys hottestattractions was platinum haired Sisqo, fromDru Hill, a vocal group that had a lot of hits,
especially in the late 90s. It came to ourattention that Sisqo (now blond) recentlycompeted in a sexy swimsuit competitionwearing a Mankini. He called himself TheSisqo Kid for this occasion. In case you areunfamiliar with the Mankini, it is a one-pieceswimsuit that leaves almost nothing to theimagination. It was popularized by Sacha BaronCohen in the Borat movie. Not criticizingSisqo for his participation, which took a lot ofnerve. Probably it was fun for him and good forpublicity, all the more so since his career is noton fire right now.
TARAJI P. HENSON, the talented andattractive actress, says she can sing and plansto step into the recording field. Well see whathappens. Hensons performances have beenoutstanding, including such films as I can DoBad All by Myself, The Curious Case of
Benjamin Button and The Karate Kid, plusmany TV shows.Raphael Saadiq says it is nice to win awards,
but they are not the most important thing.Awards dont clap, people do, he said.
Niles Rodgers, producer/songwriter andfounder of Chic (Good Times, Le Freak,etc.) has written an autobiography titled LeFreak; An Upside Down Story of Family,Disco and Destiny.
NEW EDITION is planning to have
another reunion next year, including a tourand an album. It is no secret that there was
inner-group conflict,involving all members,Ralph Tresvant,Bobby Brown, RickyBell, Michael Bivins,Ronnie DeVoe andJohnny Gill.
But according toBrown, this time things
are going to be different. Our friendshipwas lost once the business of being in thegroup exploded, he said. Were working atbecoming friends again. I think the thing thatwas missing was prayer, us being able to praytogether and understand our differences.
Congratulations to BeBe and CeCeWinans on receiving a star on the Hollywood
Walk of Fame.The Michigan Chronicle
Its time to sing a new song. Its time to awaken to the
challenge to make greater, even more exciting music
than we ever have. Its time to harness the great power
music has to build communities and to change lives.
Its time to sing our world awake. Join us as we begina new season together and sing the vivid, the eye-
opening, exciting songs that inhabit our worlds music.
Glen Thomas Rideout
Fr additina
infrmatin g t
www.
themichiganbanner.
wrdpress.cm
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Come out and Celebrate
the holidays with buena Vista
Charter townsihpfor our 3rd
annual Christmas treelighting
on:deCember9, 2011
time: 6:30 pm
where: buena Vista CommunityCenter
(1940 s. outer driVe)
bring the family forhot CoCoa & donuts
EmpowEring gEnEration, uniting communitiEs, for a positivE
global impact
1400W.GeneseeSaginaw,Michigan(989)753-3475www.themichiganbanner.com
November1,2011TheMichiganBanner
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Better Choices, Better Medicine, Better Healing
DearDr.Nash:
I know that drinking pop is really bad for
your teeth and I want
my children to grow
up with a healthy
mouth. I dont want
my children to have
to go through cavities,
crowns or even worse,
extractions. Could you please help me know
what to look for in the super market when I
am buying groceries for my family.
DearReader:
Well, the pop and juice aisles in the
store are just chock full of hidden sugars.
You really have to start reading the labels
of all of the drinks, or even snacks, that is
on the shelves. The food manufacturers aresometimes trying to fool us into thinking
there is not any sugar in a certain product but
beware -- the sugars are still there hidden by
other names. Manufacturers will use many
other names to cover up the real name of
sugar in their products in the hope that we
wont know its there in the ingredients.
These are some of the names used to
fool you: dextrose, sucrose, glucose, fructose,
maltose, dextrose fruit syrup, molasses, fruit
syrup and glucose fructose syrup. There are
many problems with these disguised sugars.
Just like plain table sugar, these sugars can
cause a tremendous amount of decay in just a
very short time.
Adding to the problems of tooth decay
is the chance of too much sugar in the diet
leading to childhood or adult obesity. A big
problem that I see in teenagers is their habit of
sipping all day on one of these sugary drinks.
They buy a big drink then either sit or drive
around with friends sipping the drink for hours
each day, so the teeth are constantly exposed
to sugar. If someone were to have a drink with
some sugar in it at a meal then immediately
brush and floss after the meal, the sugar may
not have time to supply the bacteria (thatnaturally exist in the mouth to aid digestion)
with the nutrients it needs to start the decay
process. In some circles the name given to the
hidden sugars is The Devils Candy.....they
just cause to much harm to the human body if
consumed in excess. The habit also can create
a lifelong craving for sweets and carbohydrates
which can lead to obesity and sooner or later to
diabetes and heart disease.
But, lets go back to the store again.
For many grocery beverage items, the total
calorie count is completely from sugar. Just a
short list of the sugary drinks that will begin
to cause a climate for decay in a childs or
adult mouth in a matter of minutes: chocolate
milk, fruity coolers, lemonade, sweetened
iced teas, some flavored vitamin waters,
caffeine-boosted power sodas, powdered
sweetened flavor-aids for water and many
others. There are many more out there, so
please start reading labels for your childrens
sake.
The best thing to use to quench your
thirst is what God gave us the most of in
our environment and that is water. Try it
-- you may like the switch, and youll save
your money and your teeth at the same time.It is cheap and easy to fill a pitcher with
plain or simply filtered tap water and keep
it refreshingly chilled in the fridge at home.
Compare that versus the price of all these
sugary drinks that cause so many health
problems now and later in our children and
families.
Dr. Nash Dental Corner
November is American Diabetes Month
and healthy eating recommendations
can sometimes be overwhelming. What
Can I Eat? is one of the most common
questions asked by those who have diabetes.
Patients need a good place to turn to when
deciding what to prepare for themselves
or their families, said Elizabeth Mayer-Davis, President, Health Care & Education,
American Diabetes Association.
Meal planning helps improve blood
glucose, blood pressure and cholesterol
numbers. Research shows that losing weight
can prevent diabetes complications, such as
blindness, kidney disease, heart attack and
stroke. Additionally, by losing 7 percent of
your body weight (15 pounds if you weigh
200 pounds) through diet and 150 minutes of
physical activity per week, you can reduce
your risk for developing type 2 diabetes by 58
percent.Explore recipes, meal plans, and more with
the online nutrition resource, MyFoodAdvisor:
Recipes for Healthy Living: a website presented
by the American Diabetes Association. The
website will help you make healthy eating
decisions with recipes and cooking tips.
For more information call the American
Diabetes Association at 1-800-DIABETES
(1-800-342-2383) or visit www.diabetes.
org. Information from both these sources is
available in English and Spanish.
Source: www.diabetes.org
WhatsForDinner?
QuitSmokingDiabetes and smoking do not mix. You should
consider quitting if you have diabetes. Smoking
reduces oxygen flow to your organs, increases
your cholesterol and raises blood pressure.
Source: American Diabetes Association
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November1,2011TheMichiganBanner
Page21FirstGreatLakesBayRegionalNewspaper
1400W.GeneseeSaginaw,Michigan(989)753-3475www.themichiganbanner.com
ProjectLAUNCHSaginaw/IncredibleYearsProject LAUNCH Saginaw will be implementing an evidence-based practice called Incredible Years. We
would like to invite you to become part of this exciting initiative by becoming certified as a Parent Group Leader
for parents of children 2-8 years of age. Ourgoalistobuildcapacitytopromoteyoungchildrenssocialandemotionalcompetenceandaddresschallengingbehaviorthroughparenteducationandsupport.Project LAUNCH is looking to train qualified potential parent group leaders in Saginaw for training scheduled
forDecember7-9,2011. We have openings for 5 trainers.Whatweareofferingtopayfor: IndividualstoattendBASICParentGroupLeadertraininginSaginaw,MichiganDecember7-9,2011; this
will include food, registration, and materials Onecompletesetoftrainingmaterialswillbeprovidedatnocostperagencywithleadinstructortousein
conducting parent group sessions Workbookswillbepurchasedforeachparentwhoparticipatesintraining $10stipendperparticipant/perclasswillbeprovidedtoagenciestocoverthecostoffood,childcareandincentivesduring13
month commitment AssistancewithproductionofvideotapestobesubmittedtoIncredibleYearstocompleteyourcertification ConsultationfeesforIncredibleYearstoreviewyourvideotapesWhatweexpectinreturn: Commitment IndividualstrainedinSaginaw,MIareexpectedtoconducttwoparentgroupsthroughtheserieswithin13monthsofcompletion
of training (depending on your age group specialization, Incredible Years parenting series vary in lengthyou would choosewhich group you wanted to teach: Babies 8-10 sessions, Toddlers 12-13 sessions; Preschool 18-20 sessions, School Age 18-20sessions); this will involve home visits and/or other follow-up methods to assist parents who are unable to attend one or moresessions
ServeasParentGroupLeaderforatleast3yearsprovidingatleastonegroupseriestrainingperyearaftercertification Recruitandenrollaminimumof12participantsforeachparenttrainingseries Graduateaminimumof6participantsforeachparenttrainingseries(ifIamunabletoaccomplishthis,theserieswillneedtobe
re-offered to a new group) Instructfamiliesforaminimumof2hourspersession. Submitvideotapesofparenttrainingsessions(forexample,ifprovidinggroupsthatare20sessionsinduration,youwouldsubmit
80 hours of videotape total--2 groups x 20 sessions x 2 hours each) to The Incredible Years program to complete the certificationprocess
Offertheseparenttrainingsessionsbeginningin2012 ParticipateindatacollectionforProjectLAUNCHevaluation
FollowallcriteriaforfidelitytothemodelasidentifiedbyTheIncredibleYearsprogram CompletetraininglogsandevaluationformsandsubmitaspertimelineWhatwewillnotcover: Yourtime--youragencywillneedtocommittoyourtimeforattendingthetraining,conductingparentgroupsessionsPlease note the opportunity to become a Parent Group Leader is being made available to a limited number of people by invitation only.
As a PGL, you will identify and recruit parents to participate in your parent group sessions. This is a big commitment on your part and theparents part. Incredible Years has a high dosage: anywhere from 8-20 sessions, depending on the age of the children with whose parentsyou would be working. PGLs must have resources/job to support this role, as additional funding for group leadership is not available.
This is an opportunity for you to receive advanced training and to be a resource to parents of young children in your community.You will not be expected to cover parents of all age ranges. For example, you may choose to specialize in parents of infants/toddlers,preschoolers, or school age children (up to age 8). You will be expected to attend all 3 days of the training.
The Incredible Years is an evidence-based program that has undergone rigorous research. For more information on The IncredibleYears, visit their website athttp://www.incredibleyears.com.
Applicationandresumemustbereceivedby5:00p.m.November4,2011tobeconsidered. Decisions will be made on PGL
selection in November. Please submit application and resume via email Elizabeth L Milton at [email protected] or mail to Project
LAUNCH,Attn.ElizabethLMilton,P.O.Box5679,Saginaw,MI48603-0679.continued on page 22
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Page22TheMichiganBanner
November1,2011FirstGreatLakesBayRegionalNewspaper
ProjectLAUNCHSaginaw/IncredibleYearsProjectLAUNCHSaginaw
IncredibleYearsParentGroupLeaderApplication
Name: _______________________________________________________________________________Agency Name: ________________________________________________________________________Mailing Address: ______________________________________________________________________
City: _________________________________ State: MI Zip: ____________________________
Job Title: ______________________________________ Work Phone #: ____________________
Email Address: ________________________________________________________________________
Qualifications (include description and examples):
1. Do you have a degree(s) in Early Childhood or a related field or parenting training experience? Please describe.
2. Do you hold any other certificates, degrees, or have you taken any specific classes or training related
to young childrens emotional and social competence? If so, please describe.3. Please describe your current or past experience with training adults or leading parent groups.
4. Do you have any experience using Incredible Years? If so, please describe.5. Do you have an existing group of parents you plan to offer IY? If so, please describe.
Expectations(Please initial on the line next to each item to signal your agreement to meet each expectation, should you be chosen to
become an Incredible Years Parent Group Leader):_____ Attend 3 days of Incredible Years BASIC Parent Group Leader training on December 7-9, 2011.
_____ Lead two parent groups through the 20-session program (or the length of your chosen age specialization) within 12 months of
completion of training.
_____ Serve as a Parent Group Leader for at least 3 years providing at least one group series per year following certification._____ Recruit and enroll a minimum of 12 participants for each parent training series.
_____ Offer home visits to families to provide one on one training when sessions are missed (as dictated by The Incredible Years)
_____ Graduate a minimum of 6 participants for each parent training series (if I am unable to accomplish this, the series will need to
be re-offered to a new group)_____ Instruct families for a minimum of 2 hours per session as prescribed by The Incredible Years
_____ Submit videotapes of parent training sessions (for example, if providing groups that are 20 sessions in duration, you would
submit 80 hours of videotape total--2 groups x 20 sessions x 2 hours each) to The Incredible Years program to complete the certification
process_____ Have resources/job to support this role, for instance: Currently have a job that includes providing parent group leadership or
_____ Participate in ongoing training and technical support from Incredible Years/Project LAUNCH staff including observation,coaching, and web-based support
_____ Collect data as required for the Project LAUNCH evaluation_____ Follow all criteria for fidelity to the model as identified by The Incredible Years
_____ Provide IY parent group leadership only when acting as an IY parent group leader
References: Provide name and contact information (phone and email) for three references that can attest to your qualifications and
abilities as a parent group leader.1.
2.
3.
My name below indicates that I have read and agree to abide by the above requirements and expectations. __________________________________________ ________________________________
Name Date
My name below indicates that I agree to support this applicant in meeting the above requirements and expectations.
___________________________________________ ________________________________Supervisors Name Date
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November1,2011TheMichiganBanner
Page23FirstGreatLakesBayRegionalNewspaper
Pastor P. David Saunders
Bethel A. M. E. Church
535 Cathay Street
Saginaw, MI
(989) 755-7011 ext. 221
SaginawHealingRoomsCelebratingFifth
AnniversaryofSettingtheCaptivesFreeBy Christine Denton
As I contemplated writing this article
and extending the invitation to celebrate
a ministry that has not only served our
Michigan communities, but others from
across the nation, I wanted to share with you
the history of how the healing rooms came
to be. I then realized that the celebration
on November 13, during SVCC Sunday
morning Service, and reception following
at 1:00 p.m., is not at all about who heard
Gods call and how they came together to be
His hands and feet. It is about HIM. Heheals His children because of his great love
for each one of us.
This spirit filled ministry found its home
at Saginaw Valley Community Church on
Hemansau Drive in Saginaw, on November
9, of 2006.
The Lord called many but few have
answered. Those that have answered have
been raised up and the Lord has guided their
footsteps to lead the lost to salvation, to heal
the sick and brokenhearted and to set the
captives free.
The ministry grew by word of mouth
the testimonies of those the ministry touched
with the healing power of the Lord, and soon
Tuesday morning and evening sessions were
added to the original Thursday afternoon andevening prayer / healing sessions.
The ministry has also evolved as the
volunteers have yielded to the Lords presence
and call upon their lives, changing and blessing
each one. Regardless of what they are called to
do including greeter, administrator, healer,
prayer warrior, or director, each falls into
step with the other to be His hands and feet,
His voice, His comfort and anything else that
is needed.
This is not a ministry of SVCC but that of
the Lord Himself. For it is for His glory that
we are here.
If you have not been blessed with the
presence of the Lord in one of the Tuesday
or Thursday prayer / healing sessions, please
take this as a personal invitation to visit ormake an appointment to receive salvation,
healing, comfort or any blessing the Lord
has for you. For additional information
concerning the Healing Rooms, please visit
the website at svcc.cc.
GrowingNumberofSeniorsFacingForeclosureNeedYourHelp
continued from page 12
as long as they desire and as long as they are able. One of thosebarriers is foreclosure. An increasing number of seniors, who own
their houses outright, get behind on their taxes and insurance and face
the risk of losing their homes. This is a growing and heart-rending
problem that cries out for fair, just and compassionate solutions and
civic engagement.
Foreclosures are lose-lose situations for both lenders and
homeowners, so AARP favors extending the work-out period to
help lenders protect their loan and people protect the roof over their
head. AARP urges lenders to look beyond immediate short-termreturns and consider how accepting some financial concessions to
prevent foreclosures may help them in the longer run by stabilizing
the communities in which they do business. Declining home values,
the languid economy and rising insurance premiums are among
the factors that have led more than 600,000 homeowners to utilize
reverse mortgages to generate income that helps them meet basic
needs and to age in place.
A reverse mortgage allows homeowners age 62 and older to
borrow against their equity to set up a monthly stream of income.
They can use that money to pay medical bills, property taxes,insurance coverage or other expenses. This can be a viable option
to some, but borrowers need to be aware of the terms and beware of
unscrupulous operators. If youre interested in volunteering to help
seniors at risk of losing their homes, call AARP Michigan at 1-866-
227-7448 or email to [email protected] Michigan Chronicle
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1400W.GeneseeSaginaw,Michigan(989)753-3475www.themichiganbanner.com
Page24TheMichiganBanner
November1,2011FirstGreatLakesBayRegionalNewspaper
NON PROFIT DIRECTORYVisit www.themichiganbanner to view giving opportunities in the non proft directory
Weeklypeergroupsessions
Etiquettetraining Creditrepairclinics
Investmentclub
GEDpreparation
Entrepreneurworkshops
Tutoring
Gunsafetyclasses
Parentingprograms STDPrevention
Substanceabuseprevention
Healthworkshops Foreclosureprevention
Financialliteracytraining
Jobpreparation
Communityenrichment
Scholarshipworkshops
Publicspeakingseminars
Movienights,andmore
Operation Reach is a 501 (c)(3) non-profit organization located at 119 S. Jefferson Ave, in Saginaw.
Our programming consists of:
Sunday Worship services are also hosted with Greater Community Kingdom Church that has a mission to seek those
difficult to reach spiritually. For additional information call 989-754-4444.
OperationReach
The ComForcare Mission
To improve the quality of life and level of independence
for every client and family receiving our services
ComForcare is focused on four initiatives that webelieve are critical to the well being of seniors
Fall Prevention