oxford biz dec 2009

8/14/2019 Oxford Biz Dec 2009

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Whats The Biz -- December 2009 1

BIZBIZWhats theWhats theWhats theWhats theWhats theWhats theWhats theWhats the

December 2009 Vol. 4 # 12Oxford Areas Monthly Business News & Info

The Oxford Area Chamber of Commerces annual ChristmasParade is set to roll through downtown Oxford at 2 p.m. Satur-day, Dec. 5. After the parade, kids of all ages can visit with theone and only Santa Claus in Centennial Park. For more Christ-

mas happenings in the downtown area see page 11.Photo by C.J. Carnacchio.

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2/12

2 Whats The Biz -- December 2009

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By C.J. Carnacchio

As the director of Upland Hills School in

Addison Township, Phil Moores spent mostof his life educating children and encourag-

ing them to not only live their lives in tune

with nature, but help find solutions to the

planets most-pressing environmental prob-

lems.To honor his efforts, the 61-year-old Ox-

ford resident recently received the Julian

Smith Award from the Michigan Alliance for

Environmental and Outdoor Education.

Each year, the award is bestowed on theindividual who exemplifies the best in the field

of outdoor education.

To get an award from an organization thatis so concerned with outdoor education is

an honor because thats really what we setout to do when we began here in 1971, said

Moore, who became director shortly after theschools founding. Its a recognition of the

entire Upland Hills learning communitys

work, which includes the farm, the ecological

awareness center and the school.

One of the schools founding principlesis the natural world should be a primary

teacher.

Teaching the need for connection to thenatural world is absolutely critical when edu-

cating students, in Moores opinion, becausethey will have to confront climate change,

otherwise known as global warming.

Although many people still dont reallyunderstand the implications of confronting

climate change, it is, I believe, the single most

series issue that humanity has ever encoun-

tered, he said. It should be a foundation

for anyone whos working with young chil-dren to be working on the solutions to things

that promote climate change.

In addition to traditional academic sub-

jects, students at Upland Hills School learn

about sustainability, which is the idea thathumanitys survival on this planet is depen-

dent on the well-being of the natural worldand responsible use of natural resources.

Teaching sustainability is really rewiring

people to live in a very different way with a

much lighter footprint than we have (left) up

until now and with a consciousness thattakes into consideration the generations that

will come after us, Moore explained.

Changing the footprint humanity leaves

on the planet is more than just reducing the

amount of carbon dioxide and other green-house gases we emit, according to Moore.

Its about changing the life-style that has

up until now said consume as much as youwant, throw away without thinking about

where it ends up, use water as if it was an

inexhaustible resource, he saidLooking back over his 38-year career

Moore has a lot to be proud of.

Im really proud of the children who have

grown up through our school, gone out into

the world and are making a difference in their

communities from places as far away asPrague, Czech Republic to Antarctica, he

said.

Former Upland Hills students are help-

ing save the planet and in the process, mak-

ing their mark upon the world in a variety ofways.

A couple of our (former) students are in-

volved in the development of large windfarms and are on the forefront of that indus-

try, Moore said. A couple of our (former)students are deeply imbedded in the national

park system and are teaching children fromdisadvantaged neighborhoods and situa-

tions how to love and appreciate the natural

world.

Moore believes the greatest joy for a

teacher is when you form a strong bondwith a student, who then surpasses you in

terms of their understanding, appreciation

and knowledge of the world.I can assure you theres hundreds of chil-

dren that I know, parents as well, who havetranscended my understanding of the world

and are doing phenomenal things in helping

to change the world, he said.To learn more about Upland Hills School

visit www.uplandhills.org or call (248) 693-2878.

Independent schools green focus earns director award

Upland Hills School Director Phil Moore (center)chats with students (from left) Cooper Webster, AlexYoung, Coco Catallo, Olivia Zeiman, Wyeth Fairbanks

and Xavier Clark. Photo by C.J. Carnacchio.


3/12


Andrew Hunterof Edward Jones

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www.edwardjones.comMember SIPC

MERRY CHRISTMAS

During this holiday season and every day of theyear, we wish you all the best.

So you have decided to start a business,congratulations!

You have put in the hard work of creatinga business plan andgathering start-upfunds and now youmust choose how to le-gally structure the busi-ness.

There are so manyissues to consider: li-ability exposure, tax im-plications, record-keep-ing requirements, not tomention the needs specific to your business.

Your excitement quickly turns to stressand confusion.

Many small business owners make themistake of trying to go it alone when itcomes to forming their business entity andmany live to regret that decision.

Do-it-yourselfers often select the wrongentity for their needs or make formation er-rors exposing their business to unnecessaryliability.

Choosing and forming a business entityis a vital step in the creation of your newbusiness and should not be taken lightly orwithout sound, expert counsel.

Attorneys charge a relatively low fee toguide you through this daunting process andcan serve as valuable sources of informationthroughout the life of your business.

A small investment in your business nowwill save both time and money in the future.

Please call our office to set up an appoint-ment. Phillip B. Maxwell & Associates PLLC,248-969-1490; 20 Hudson Street, Oxford

Choosingand forminga businessentity

Molly B. Maxwell

As we make the transition from autumn towinter, you may be reminded that seasonsdont just change on the calendar theyalso change in your life.

And as you move fromone season of your life toanother, youll find thatsome of your goals mayhave changed. Conse-quently, as time goes by,you may need to adjustyour financial strategies aswell.

To illustrate the sea-sonal nature of your in-vestment strategies, letsquickly go through a typi-cal life cycle and look at the differing finan-cial goals at each stage:

Starting out When you are beginningyour career, you may not have a lot of moneywith which to invest, but its important to tryto put away something each month. If youhave a 401(k) where you work, take advan-tage of it your money is deducted, pretax,from your paychecks, so its an easy way tostart investing. And at this stage of your life,consider investing primarily for growth. Ofcourse, when you invest in growth-orientedvehicles, you typically assume an above-av-erage degree of risk because the price of theseinvestments can fluctuate greatly over time.However, if you buy quality investments andhold them for many years, you may be ableto overcome the blips along the way andbenefit from the growth prospects these ve-hicles can offer.

Middle years During this season ofyour life, things have likely changed. Yourkids may have already graduated from col-lege or otherwise left home, so you may needto re-evaluate your life insurance needs.Youre likely earning more money and havemore available to invest which means,among other things, that you should con-sider maxing out on your IRA and alsoputting as much as you afford into your 401(k)or other employer-sponsored retirement plan.Because you may have a decade or more untilyou retire, you still may need considerablegrowth potential from your investments. Atthe same time, though, you might not wantto invest quite as aggressively as you didwhen you started out, so you may want toincrease the percentage of bonds and otherfixed-income vehicles in your portfolio.

Retirement years Many people assumetheir expenses will drop when they retire. Andsome will drop but others, such as healthcare, will increase. Furthermore, its not at allunusual for people to spend two, or eventhree, decades in an active retirement andduring those years, inflation can be a factor.

Changing seasons oflife may require changesin investment strategy

Please See EDWARD JONES on Page 5

on our websitelinks YOU

to all of ourPICTURES

The

BLUE BUTTON

Go To oxfordleader.com


4/12

Sit Down

DiningAmerican Legion Post 108

130 E. Drahner Rd.

Oxford, 248-628-9081Big Boy - Oxford955 S. Lapeer Rd.,

Oxford, 248-628-3841

Kens Coney Island212 S. Washington St.Oxford, 248-969-3665

Lakeville Inn1318 Rochester Rd.

Lakeville, 248-628-4460

Louies Food & Spirit

600 Lakeville Rd.,Lakeville, 248-628-2440

(The) Nugget1055 S. Lapeer Rd

Oxford, 248-628-2503

Ox Bar and Grill22 S. Washington St.

248-628-1400

Oxford Hills Golf Club(Seasonal)

300 E. Drahner Rd.Oxford, 248-628-2518

Oxford Tap5 S. Washington St.

Oxford, 248-236-0380

24th Street2 N. Washington St.,

Oxford, 248-628-1200Robs Place

13 S. Washington StOxford, 248-628-1217

Tamis Grill1386 S. Lapeer Rd.

Oxford, 248-236-0900

Victorias Delights12 S. Washington St.

Oxford, 248-969-3477

EthnicCasa Real (Mexican)21 S. Washington St.,

Oxford, 248-969-2801Golden Dragon (Chinese)

32 S. Washington St.,

Out For LunchWTBs

Restaurant managers-- call us if you would like to

have a menu item featured!248-628-4801

Oxford, 248-628-9800Italia Gardens (Italian)

1076 S. Lapeer Rd.,Oxford, 248-628-4112

Thai Cuisine (Thai)180 S. Washington St.Oxford, 248-236-9205

Coney JointCountry Coney


Pizza PlaceCottage Inn Pizza

51 S. Washington St.Oxford, 248-628-9500

Fattys Pizza40 N. Washington St.

Oxford, 248-628-4471

Guidos Premium Pizza1396 S. Lapeer Rd.,

Oxford, 248-969-2111

Isolas Pizzeria & Restaurant80 N. Rochester Rd.

Addison Twp., 586-752-3585

Jets Pizza204 S. Washington St.

Oxford, 248-969-5387Little Caesars Pizza

89 W. Burdick St.,Oxford, 248-628-6302

Fast FoodBurger King

583 S. Lapeer Rd.Oxford, 248-628-3636

Dairy QueenOxford, 248-628-3690

McDonalds280 N. Washington St.Oxford, 248-628-2780

Subway Sandwiches95 W. Burdick St.

Oxford, 248-969-6920Uncle Boombas Mr. Pita/

Dairy Queen


Mary Forte

GoodEats


This recipe was given to me by awonderful woman named NancyForte. Nancy grew up in New Yorkand lived with her fatherand brother until theywere deceased. Nancy isan amazing cook, andover the 37 years that Ihave known her, she hasserved me many deli-cious meals. Like mostwomen in the Forte fam-ily, she can take the mostbasic ingredients andturn them into a culinary

masterpiece. The addition of Italiansausage to this basic stuffing recipe

is a brilliant idea. I like to use hot sausage tospice it up a bit, but it would be equally goodwith mild or fennel sausage.

For A 15 Pound Turkey:16 cups Italian bread; cubed into 1 inch

pieces2 pounds bulk Italian Sausage1 stick butter1 cups chopped onion1 cups chopped celery teaspoon dried thyme leaves1 teaspoons dried marjoram leavessalt and black pepper to taste1 cup chicken stockCube bread and leave in covered bowl

overnight. In a large skillet, cook sausage overmedium heat, until brown and crumbly; break-

ing up large pieces. Remove sausage fromskillet, measure fat and if less than 1 cupadd butter to make up the difference. Re-turn the fat to the pan and add the onionand celery. Cook until the onions are trans-lucent and the celery is tender. Add thymeand marjoram. Add sausage back to pan andremove from the heat. Mix the sausage mix-ture to the bread cubes and add the stockto moisten.

If you choose to cook the stuffing out-side of the bird, like I do, you will need toadd about to 1 cup of more stock. Bake inoven for about 30 minutes at the same tem-perature you cook the turkey at.

Mary Forte is an Oxford Village Resi-dent.

Spice up your stuffing with Italian sausage

Cook-to-ownReveres innew hands

Sometimes life is circular in motion -- just ask Tiffany Turnbull.

For 30 years, Reveres Mexican Res-taurant was a favorite destination forresidents of Oxford and Orion.

It was started, owned, operated,closed and then reborn in Lake Orion(behind the Taco Bell on the west sideof M-24, south of Heights Road) underthe direction of Larry Laidler. WhenTurnbull was 15 she started cooking inReveres kitchen.

Today, she has found her niche inthe world. Her life, has come full circle.While she still cooks, shes no longerjust the cook of Reveres. You can nowcall her, owner.

I love it, she says. I love cook-ing. I love it when people come in andsay, it smells really good in here. I loveworking with the public. I love jokingwith the employees. I love it.

With the backing of her parents,

Brad and Debbie Bertram, Turnbull tookover ownership of Reveres a year ago.Business has been good. Its been

a good experience. We see new cus-tomers all the time and people -- cus-tomers from the old Reveres -- come infrom all over once they hear were backin business, she said. And, while own-ership has changed, the recipes andcustomer favorites for the carry out res-taurant are still the same (nachos,titanicos and the burrito supremes).

During the past year, Turnbull andher staff of five have made cleanlinessa priority, and she is proud to say,Reveres has received perfect scores

Tiffany Turnbull, left and Ally Minch with Reveres number one seller -- a large nacho. Photo by Don Rush

from county health inspectors.Future plans for Reveres (keep your fin-

gers crossed) are to expand for dining-in Ev-erybody is requesting it, she said.

Reveres is open Monday through Friday,11 a.m. to 10 p.m.; and on Sunday, from noon

to 9 p.m. Delivery in the Orion-Oxford area isfree for orders over $30.

Turnbull also can cater a party of eventwith two or three days notice.

For more information, or to order your ownnacho, call 248-693-9051


5/12


By C.J. CarnacchioTwenty-four students from Kingsbury

Country Day School in Addison Townshipgot a sneak peak last week at the electrifyingfuture of Michigans automotive industry.

They were among about 300 students fromsix schools who attended The Business ofPlugging In conference hosted by GeneralMotors and held at the Motor City Hotel andConference Center in downtown Detroit.

It was really fun, said Leonard residentRandy Pardy, a seventh-grader at Kingsbury.

GM invited these math and science stu-dents to come touch, see and learn about thegrowing electric vehicle industry.

It was really cool because not a lot ofschools get to experience it, said Oxford resi-dent Claire Thayer, an eighth-grader atKingsbury.

The event featured opportunities for stu-dents to experience the automobiles electricrevolution through interactive displays; talkswith industry leaders and people who aredeveloping the infrastructure thats key tobringing electric vehicles to the market; anddiscussions with local university studentsand recent graduates working in fields suchas hybrid and electric vehicle development.

The presenters talked to the students asif they were adults, said Annette Young, whoteaches science to Kingsburys sixth-through-

eighth-grade classes. They respected themand asked great questions of the kids. It was areally good experience for them.

Young said the students learned about allthe factors that go into designing electricvehicles including the lifestyle adjustmentsthat society will need to make such as hav-ing special garages and plug-in stations tokeep vehicles charged.

They were very focused, interested andexcited to learn something new, she said.

I actually learned a lot more about elec-tric cars than I already knew, Thayer said. Ilearned they have plug-in stations at someparking lots. I didnt know that.

I learned how many batteries it takes topower an electric car, said Joey Files, aKingsbury seventh-grader from Lake Orion.For the Chevy Volt, it takes like 400 pounds

of (lithium ion) batteries to make the car go40 miles on pure electricity.

Students were very excited about gettingthe opportunity to view the new Chevy Volt,an electric car not slated to hit the marketuntil November 2010.

I thought it was very cool to see all thestuff about the new Volt, said Ortonville resi-dent Kaley Rosczewski, a sixth-grader atKingsbury. I learned how you charge the cars.

(The Volts) supposed to go really fastand I think it will be a really good seller whenit comes out, Thayer said.

A few of the students are even thinkingabout someday having careers involving elec-tric vehicles. Id like to work on designingthem, Pardy said.

Rosczewski indicated shed like to be in-volved in engineering these vehicles of the

future. It was all pretty much interesting forme, she said.

Students get glimpse of electric car industry

You probably spend a lot of energy

making your home a lovely and welcom-ing place.

But what about

yourself?

Your clothes

should reflect thatsame care.

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you. Ella Fashion

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If you need hints on what to wear or

what fits best your body shape, we are

more than prepared to provide you withthe necessary assistance, along with a

good cup of coffee or a glass of wine, if

you wish.We believe in finding you the perfect

fit for your life style so, it doesnt matter ifyou choose pants, skirts, leggings or a

black dress, there is always a final touch

that can make you look like a super star.When it comes to apparels, we have

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Consequently, even as a retiree, youll find

that growth-oriented investments are impor-tant, balanced with others that provide in-come.

Furthermore, youll want to manage thewithdrawals you take from your IRA, 401(k)or other employer-sponsored retirement planto help make sure you dont outlive your re-sources.

At the same time, you should considerexploring estate-planning techniques, suchas life insurance trusts, that can help youleave the legacy you want without burden-ing your heirs with heavy estate taxes. Tohelp you meet these needs, work with yourtax advisor and estate-planning professional.

The seasons of the year change everythree months.

The seasons of your life change much

more slowly, but these changes can have abig impact on your financial situation.

Edward JonesContinued from Page 3


6/12


Rogers: Call senators, stop health care billBy C.J. Carnacchio

About 60 or so concerned citizens packed the tiny BearPaw Cafe in Lakeville Nov. 12 to hear U.S. CongressmanMike Rogers (R-Brighton) speak and ask some questionsover a cup of coffee.

Referring to the landmark health care bill that recentlypassed the Democratic-controlled House of Representatives,one woman uttered the question that seemed to be on mostpeoples minds that morning.

Whats it going to take to defeat this? It just seems un-stoppable, she said.

Rogers urged people to phone in their opposition to thebill to as many senators as they can, not just Democrats CarlLevin and Debbie Stabenow, who represent Michigan.

I say pick up the phone and call them all, he said.(Tell them) we want some changes, but we dont wantgovernment-run health care.

We cant be bashful. This is not their government. Itsours, Rogers noted.

The congressman noted the health care bill isnt as un-stoppable as people might think.

Right now, they dont have the votes for it, he explained.We had 39 Democrats (in the House) not vote for this bill.They said this thing is not a good idea. The only bipartisanpart of this bill was its opposition.

When Rogers announced he voted no on the healthcare bill, he drew a big round of applause from the crowd.

We have the chance to still beat this thing if you thinkthis is a bad idea, and I think its a horrible idea, he said.

The congressman explained to the crowd the real pricetag of this health care legislation.

The cost is outrageous, he said, noting theres 10 yearsworth of taxes added into the bill. They said over the next 10

Congressman Mike Rogers met with acrowd of folks at the Bear Paw Cafe inLakeville. Photos by C.J. Carnacchio.

years, its only going to cost $900 billion. Heres the problem,in the first five years, theres no services, only taxes. So, itdoubles the cost. Its about $1.8 trillion in cost.

Besides taxing individuals and small businesses, the healthcare bill taxes everything in the doctors office from thetongue depressor to the gloves they wear to their stetho-scope to the blood pressure cuff to your MRI machine.

All of it has a brand new tax on it, Rogers explained.Only in Washington D.C. can you add more costs to pro-viding health care and its going to get cheaper. It just doesntmake any sense to me to do that.

If costs are cut under the proposed health care legisla-tion, Rogers said it will be done a way that hurts people.The only way a government-run system can cut costs is

deny access or ration care, he said. The only way they canration care in the United States is by having boards denycare. Its the only way they can save money in a big govern-ment system.

Addison resident Bob Godkin expressed his concernabout how the health care bills proposed $400 billion cut toMedicare is going to affect senior citizens like him.

We depend on Medicare. Were senior citizens on a fixedincome, he said.

This is another great reason why we should oppose it,Rogers said. Medicare is going to go broke in 2019. Theyregoing to add more people to Medicare under this bill and theyregoing to cut it by $400 billion. Brilliant. It doesnt make sense,but its the only way they can make their math work.

One resident brought up the subject of illegal aliens andRogers indicated they will be covered under this bill becausethey wont have to show any proof of citizenship to receive

government-run health care.Theres no verification. All you have to do is sign a form

that says yes, youre a U.S. citizen. Thats it, he explained.Even the nonpartisan Congressional Budget Office saysthey think it will add nine million new illegal immigrants to hisbill. We can hardly pay for what we got, let alone pay forillegal immigrants

But Rogers wasnt here just to shoot arrows at the Demo-crats health care bill. He also put forth some ideas. Theresbetter alternatives to the government running it, he said.

The congressman believes people should be able to shoparound for their health insurance and companies should com-pete for peoples business. But right now, the law is prevent-

ing that from happening and hed like to change that.For instance, Blue Cross Blue Shield of Indiana offershealth coverage very similar to its Michigan counterpart andits much cheaper. Some say its about $300 per employeeper month cheaper, Rogers said.

Although a person or company from Michigan can buyjust about anything in Indiana, they cant buy health insur-ance there because its against the law today.

Right now, Blue Cross Blue Shield has 80 percent of themarket in Michigan and you cant go anywhere else toshop, he said. Theyre a good company, but guess what?They dont really care if you tell them you dont like whattheyre doing. What are you going to do? You have nowhere to go.

Changing that law to allow competition would give cus-tomers better prices and service in Rogers opinion.

Rogers is also in favor of small businesses being able topool their resources to negotiate better rates for healthinsurance and placing the sickest of the sick in cata-strophic pools, so the risk is spread around the country,

everyone pays lower premiums and those people get theinsurance coverage they need.


7/12


Oxford Lakes Dental Care celebrated thegrand opening of its newly expanded andremodeled office at 91 S. Washington Streetwith a Nov. 12 ribbon-cutting ceremony thatfeatured U.S. Congressman Mike Rogers (R-Brighton).

After 10 months of construction, Drs. Danand Donna Sahutske saw about 2,500 squarefeet added to their facility, giving them a totalof 4,500 square feet in which to serve theirpatients.

This had been a dream of Dr. Dan and Dr.Donnas for 10 years, said Office Adminis-trator Deborah Lopez, who noted the expan-sion was done to facilitate a growing dentalpractice that was bursting at the seams.

Cutting the ribbon for the grand opening of the newly expanded Oxford Lakes DentalCare are (from left) Oxford Village Manager Joe Young, Cameron Elrod from PattersonDental, Congressman Mike Rogers, Dr. Donna Sahutske and Dr. Dan Sahutske.Photo byC.J. Carnacchio.

Rogers said he cant thank the doctorsenough for making a very difficult deci-sion to invest capital in a pretty badeconomy, and for choosing to be proac-tive in making things better, rather thanbeing bystanders.

This is happening more and more, thecongressman said. I just talked to anotherbuilder who said, You know what? Im tiredof sitting on the sidelines. I going to go starta new project.

And those are the decisions that (are)going to get us out of this mess. Nothing Imgoing to do in Washington D.C.s going todo it. Matter of fact, we may cause moretrouble. C.J. Carnacchio

Dentists smiling over grand opening

Vics 24th Street Sports Tavern cel-ebrated its grand opening with a ribboncutting ceremony Thursday, Oct. 29.

On hand were co-owners Viktor Paljusaj,of Rochester Hills and his father Rock, ofAddison. A reception followed the ceremonyin the bars new lounge area, which consistsof comfortable leather chairs and couches.

The idea for the bar was to transform itinto a neighborhood place where families

would be comfortable bringing their kidsto eat.

The inside of the bar was redone withRock adding new furniture and new floor-ing and carpeting. A brand new facade wasconstructed outside.

Paljusaj wanted to thank the commu-nity for all of the support he and his fatherreceived since the bars opening.

Andrew Moser

24th Street celebrates new look

The Goddard School for Early ChildhoodDevelopment celebrated it grand openingFriday, Nov. 6 with officials from OxfordTownship and Village.

Owner/operator Michelle Stuhlreyer,along with her husband Peter, opened the

all-day preschool and childcare center Sept.17 and since then, it has received great sup-port from the community.

During the ceremony, Goddard presentedthe Parks and Recreation Department with a$100 donation to be put towards the newsplash pad at Seymour Lake Park.

When the ceremony concluded, somechildren from the Goddard were able to take

part in their own ribbon-cutting ceremony,using giant plastic scissors and yarn to simu-late it. Andrew Moser

Goddard kids cut ribbon

Cutting the ribbon are (center) Rock and Viktor Paljusaj, owners of the 24th StreetSports Tavern. They are flanked by Oxford Area Chamber of Commerce DirectorHolly Bills (left) and DDA Director Madonna Van Fossen. Photo by Andrew Moser.

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8/12


Hope is now closer to home

We are pleased to announce theaddition of

Dr. Sai Bikkinato our team of health care specialists

385 N. Lapeer Road, North of Burdick St.

Oxford, Michigan 48371

www.pohmedical.org

248-628-3000

Sai R. Bikkina, M.D.Hematology/ Medical OncologyChairman of the Cancer Committee

at Lapeer Regional Medical Center

Associate Director of Great Lakes

Cancer Institute (GLCI)

Consultations

Chemotherapy

CT Scan

MRI

PET/CT

OXFORD CAMPUS

World Class Cancer Care is now

available at POH Regional Medical

Center in Oxford.

Patients in the Oxford area no longer

need to travel inconvenient distancesto receive advanced cancer care.

Dr. Bikkina joins us with over

25 years of clinical experience, he

along with his staff of dedicated

professionals are specially trained

in oncology and understand your

unique medical condition and

needs.

HEALTHY SMILE CENTER

Personalized Gentle CareFor The Entire Family

248-969-4840MarthaVega-Crist,DDS

New Modern Office WithState-of-the-Art Equipment

9 N. Washington

(M-24 - Lapeer Rd.) Oxford

CreativeEMBROIDERY

VICKI LUBELANOwner/Operator

(248) 628-9531

10 E. Burdick St. Oxford, Michigan 48371

ComputerizedEmbroidery andMonogramming

Custom DesignsTeams Schools Business

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For All Your Family Pharmacy Needs

PattersonPrescription Pharmacy

Tim Davidson, R.Ph.

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1097 South Lapeer Road Oxford248-628-2565 www.dkpins.com

General InsuranceInsurance Protection for your

BUSINESS HOME AUTO

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ASSISTED LIVINGMake Our House Your Home

Janet K. MazzettiExecutive Director Lake Orion

248-814-6714 Fax 248-814-6725www.oaklandcommunityalternatives.com

Silverbell Manor

1241 E. Silverbell Rd.

Pineview Manor

2888 Baldwin Rd.

Orion Manor

1814 S. Lapeer Rd.

Patients in the area no longer need totravel inconvenient distances adding to theemotional and physical stress of a canceror hematological diagnosis.

Dr. Sai Bikkina and POH Regional Medi-cal Center now offer advanced cancer care

in Oxford.In addition to being board certified,

Dr.Bikkina is the Chairman of the CancerCommittee at Lapeer Regional Medical Cen-ter andAssociate Medical Director of theGreat Lakes Cancer Institute.

He joins us with over 25 years of clini-cal experience.

Dr. Bikkina, along with his staff of dedi-cated, caring professionals are speciallytrained in oncology/hematology andare sen-sitive to your unique medical conditionsand needs.

We understand how worried you andyour family are, which is why the closelyintegrated team of medical, laboratory anddiagnostic specialists at POH RegionalMedical Center will use their knowledge and

expertise to combine technology with theintimacy of personalized care.

At POH, patients will be able to have

onsite chemotherapy and laboratoryservices,as well as diagnostics that includeCT, MRI and PET/ CT Scans.

The physician that gives the initial di-agnosis will give you a referral to an on-cologist that may be located some distance

away.The oncologist that you choose will

affect the treatment you receive and will bewith you for a lifetime.

It is important to make an informed well-researched decision, so ask your physicianfor a referral to have a consultation withDr.Sai Bikkina.

Beyond the medicine and beyond thetechnology, we care about you.

Hope is now closer to home.Call 248-628-3000.

POH Regional Medical CenterWorld class cancer care isnow available close to home

TheBLUE BUTTONon our website

links YOU to allof our PICTURES

Go To oxfordleader.com


9/12


436 S. Broadway (M-24) , Suite C Lake Orion

Licensed Broker Chairperson of County Bar R.E. Comm

Member American & State Bar R.E. Sections

James R. Porritt, Jr.

248-693-6245

30 Years Real Estate Experience

ATTORNEY

For Sale By Owner

TRANSACTION Advice, preparation of Purchase Agreement,

Mandatory Disclosures & related documents. Coordination of financing, inspections, surveys,

appraisals, title work & closing

Cash To New Mortgage Transaction 1/2of 1%

Seller Financed Sales 1%

SIMPLE WILLS FreeInitialConsultat

ion

Self directed disposition of assets Your choice of administrator

Your choice of Guardian for minors Your choice of Trust for minors to be set up after your passing.

Avoiding Probatedoes not justify the cost or inconvenience of setting up a Living Trust and maintaining it for therest of your l ife. Michigans unsupervised probate procedure is inexpensive, uses preprinted forms, avoids formalaccountings, court appearances, or approval of asset disposition.

Short SalesProcedures & Negotiations

If You Must Sell Your Home

And Cannot Without A

Reduction In Your Mortgage

Balance, Call For An

Appointment.(Land contracts, private mortgages, lease with option)

Loran S. Coffman, CPhD, RFC

WPS-Investments Inc.Stone Pine Complex

189 W. Clarkston Rd.

Lake Orion, MI 48362

248-693-5599www.WPSinvestments.com

Grand Opening

1045 S. Lapeer Road Oxford

[email protected]

Computer & ElectricalDiagnosis

Engine Repair No Start & Driveability Tune-Ups & Brakes Heating & Cooling Suspension Front End Interior Repair

YourDealershipAlternative

Hours:Mon.-Fri. 8 am-7 pmSat. & Sun 9 am-3 pm

FULL SERVICE AUTO REPAIRForeign & Domestic Over 35 Years Experience

CoolantFlush

Drahner Rd.

M-2

4(LapeerRd)

12 Month or 12,000 Mile WarrantyOn All Repairs

$6995Reg. $89

BrakeSpecial $5995

StartingAt

MostVehicles

www.oxfordleader.com

New rule mandatesloan modification

Attorney James R.Porritt, Jr.

The rules governing the processes forthose seeking relief from the burden of mort-

gage loan financing are constantly chang-

ing.The newest twist

added by well inten-tioned-officials will

once again make it more

difficult for those hop-ing to have an approval

of a short sale.

Before a short sale

will be considered, the

seller will have to applyand be rejected for a

loan modification.

The problem that

presents as a practical matter is that the ap-

plication process can take two to fourmonths from the time the application is

'posted' by the mortgage server.

These rules govern the Fannie Mae andFreddie Mac mortgages.

The first problem is that many

homeowners do not know that their mort-gage is part of one of those portfolios of

loans that are government supported.Their server may be Countrywide, Bank

of America, Citi Mortgage, Wells Fargo,

WaMu or others and still, the underlying'lender' can be government supported.

The process of making application for

the modification is greatly improved

through the use of a certified mortgage coun-

selor.Their assistance is without charge, but

recent experience is a six-week delay in get-

ting in to see them.

It is for this reason that it is imperative

that if you are having any trouble at all, orsee the approach of troubling finances, get

in to see a counselor as soon as possible.


10/12


Are you wondering how to make the most of your pen-sion? If you're thinking about which income option to take,maybe it's time to think outside the box. Here's why.

When most retiring public service employees meet witha pension administrator and look over their in-come options, they face an either/or question.Do they sign up for the survivor's benefit ornot?

You want to do the right thing. At firstglance, it seems like a no-brainer. If you have a

spouse, of course you want the survivor's ben-efit - right? After all, this is the option that guar-antees the continuance of pension income foryour spouse after you pass away. In most cases,it is structured so that the pension income lastsfor the longer of two lives.

But do you really want to reduce your re-tirement income?You may not realize that thischoice carries an opportunity cost.

If you choose to distribute your pension income undera "joint and survivor" arrangement, the monthly income youget will likely be hundreds of dollars less than if you hadchosen a "single life" distribution. The pension fund knowsthat a joint life pension will almost certainly have to pay outover more years than a single life pension, so the monthlyincome will have to be set lower.

Selecting the joint life option means reducing your re-tirement income. If you take that option and die early, your

spouse is looking at a lifetime of reduced pensions. If youand your spouse die a year or two apart, there is little benefitderived from the choice you've made. (In most cases, youcan't reverse a pension payout option you selected yearsago.)

If you choose the survivor's benefit, you are making aninsurance decision. Seriously, you are. When you check thatbox, you are arranging for a cash benefit to be paid out to asurviving spouse. A life insurance policy has the same func-

tion - and it might be better to go get one.The outside-the-box choice that is too often overlooked.

Here's the real choice: Should you insure your spouse's fu-ture level of income, or should you insure yourself?

Let's put it another way. Let's say yourspouse outlives you. After you die, do you wantyour spouse to receive some taxable retirementincome, or a significant cash benefit that willnot be taxed? (Life insurance proceeds aren'ttaxed, except in a few limited cases, but survivor

pension benefits are.)Before you retire, you could purchase a

whole life insurance policy in an amount thatwould give your spouse or your children theequivalent of a similar monthly benefit. Thatwhole life policy could even build cash valueover time.

Why insure your life instead of yourspouse's future income level? This choicemakes sense on many levels. First, you increase

your retirement income by not choosing the joint life expect-ancy payout option. (If your spouse should pass away be-fore you do, this will prove an even wiser financial decision.)

Second, you have a life insurance policy that will giveyour spouse financial protection in the form of a sizable deathbenefit if you pass away first. Your spouse could even usethe life insurance proceeds to purchase an immediate annu-ity, which could then provide a lifelong income stream.

Third, if your spouse dies before you, you still have themaximum pension while the eventual life insurance proceedsmay be directed to other beneficiaries you name on yourpolicy - such as your children. (Will your children inherityour pension income? No, they will not.)

Fourth, there's a lot of uncertainty today about the healthof state and local pension funds. The less you have to worryabout that subject, the better.

How would you pay for this new insurance policy? Well,

Use creative way to maximize pension

Loran S. CoffmanWPS Investments

it may be easier than you think. If you select a single lifepension, the money you receive may result in income enoughto live on and fund the policy.

Factors to consider.This "pension maximization" strat-egy makes the most sense if you and your spouse are ingood health and if you are within 10 years of retirement. Youalso want to scrutinize the terms of your pension and medi-cal plan, and take a look at the other income and tax conse-quences of making this move.

By the way, this strategy is common in corporate

America. It's about time more public service employees usedit as well. I urge you to look into it, and to discuss it with alicensed insurance professional or financial advisor.

Loran S. Coffman is the founder of Wealth PreservationStrategies, LLC and may be reached on the web atwww.WPSinvestments.com, by phone (248) 693-5599, or byemail [email protected]. See "The Science of Fi-nancial Health," Coffman's exclusive weekly financial col-umn on the web every Wednesday atwww.LakeOrionReview.com.

These views are those of the author and should not beconstrued as investment, tax or legal advice. Past perfor-mance is no guarantee of future results. All information isbelieved to be from reliable sources; however we make norepresentation as to its completeness or accuracy. Pleaseconsult your Investment, Tax and/or Legal Advisor for fur-ther information and advice about application to your spe-cific circumstances. Presented by Loran S. Coffman &

authored by Peter Montoya, Incorporated.Securities offered through H. Beck, Inc. Member FINRA,

SIPC. Investment advisory services offered throughM.R.Spencer Advisory Services, LLC. WPS-Investments, Inc.,M.R. Spencer Advisory Services, LLC and Peter Montoya, Incorporated are unaffiliated with H. Beck, Inc. Branchaddress of WPS is 189 W. Clarkston Rd., Bldg. A, Lake Orion,MI 48362

By Andrew MoserBad economic times usually dont bode

well for new companies, but the Oxford-basedAffiliated Construction Specialists Inc. hasfound a niche and business is booming.

Affiliated Construction specializes in anarchitectural security grid system, which isan interior mounted grid that, when installed,looks like a french door design.

Co-owners Randy Zielinski, of Metamora,and Jeffrey Moss, of Lake Orion, began thecompany less than two years ago inWaterford, and had to move twice becausethey didnt have enough space. They even-tually found a new location at 850 S. Glaspie.

Were pretty comfortable here in Oxford,we know this building is going to suffice.said Zielinski.

Moss said that all of the people who workat the company are locals.

Its about supporting the community,

Moss said.

According to Zielinski, what they havedone differently from places that have the

security bars on the outside is make thegrid a tooled product, giving them a pre-cise cut that can fit any interior window.

That design allowed them to patent theirproduct and become successful entrepre-neurs because they are one of a select fewcompanies in the nation that make thistype of product.

I could honestly tell you that (our ser-vice) might be one-of-one (in) that we mea-sure it, make it and install it anywhere inthe country, Zielinski said.

Currently, their product is in storesacross the United States.

Its a fascinating growth for a companyin Michigan because you dont hear manu-facturing and you dont hear growth...Jeffand I have been blessed with it and abso-lutely happy.

For more information call (248) 969-9600.

Company offers unique productto enhance building security

Jeffrey Moss (left) andRandy Zielinski, co-owners of AffiliatedConstruction Specialists.


11/12


Carolyn Chevrier ispresident of LakesCommunity CreditUnion.

Charge cards andholiday spending

4Mark YMark YMark YMark YMark Yourourourourour

CalendarsCalendarsCalendarsCalendarsCalendars3 Great Special Sections

4

Call Your Ad Representative Today

For More Details

248-628-4801

4

4

Holiday HometownShopping Guides

Best of the Best

That Will Be Sure To

Increase Your Business

December 30thThe Lake Orion Review & The Oxford Leader

December 16thThe Ad-Vertiser

January Space ChaseIn The Ad-Vertiser All Month Long

* Some restrictions apply.

See loan officer for details.

Our Christmas Gift To You!

LakesCommunityCU.org

248-814-4000Lake Orion

248-618-9800Waterford

For a limited time, Lakes is offering auto loans

as lowas4.5% APR!!!*

A Lakes auto loan is an excellent way to save on your

monthly auto payments. We offer great rates and a

variety of terms on new and used autos, to meet anybudget. Call today!

Ready or not - the biggest spending sea-son of the year quickly approaching! Even inthese tough economic times, with so manypeople on restricted budgets, studies stillsuggest that most households will spend anaverage of $500 to $800on holiday expenses.

Where is the moneygoing to come from topay for the gifts, thefood, and all the trim-

mings? Some peoplehave been puttingmoney away in a Holi-day account, and oth-ers are able to fit thepurchases in their bud-get. More commonly,many people will maketheir purchases withCredit Cards.

If you are consider-ing using a CreditCard, please take a moment and look closelyat your credit card agreement(s). What is thestated interest rate? Is the rate variable? Whatare the monthly payment requirements? Mostimportantly are there any gimmicks or sur-prises in the fine print?

With new credit card laws continually be-

ing updated, revised and put into place, manycredit card companies have changed theirfixed rates to variable rates, making it easierfor them to bump up your rate. Other creditcard companies offer you a low introductoryrate, but once the short financing period isup, the rate can jump up to 20% or higher!Even department store cards tend to carry ahigh interest rate!

Do you have any of these cards? Beforeusing any of them consider looking for a nogimmick credit card. For instance, at LakesCommunity Credit Union, we offer two creditcards, with fixed interest rates between 11.88and 12.96%. We have no annual fee, and of-fer a grace period to help you avoid a late feeif you cant make your payment on time. Whatdo your cards charge you if you are evenone day late with a payment? $35?

Typically, Credit Unions are looking to helpindividuals and families reach their financialgoals without charging a high price andheavy penalties. As the financial crisis hitour country, Credit Unions looked for waysto help stabilize the problems of the Ameri-can auto industry a problem we all couldfeel in the metro Detroit area! Were currentlyoffering car loans as low as 4.5% to qualifiedbuyers call us for details! Take the rebateand see how much money you can save byfinancing your new car at Lakes!

Lakes Community Credit Union offers mem-bership to people that work, live and/or wor-ship in Oakland County. As a member, you getto vote for our Board of Directors! Our profitsare returned to you in lower loan rates theymoney doesnt go to big corporate owners!Stop in at see us! Were located at 350 N. ParkBlvd (M-24) near Indianwood Rd.

Wishing you a safe and happy holidayseason!

The Oxford Downtown Development Au-thority (DDA) is celebrating the upcomingholidays in downtown Oxford, by giving backto those in need through the Oxford GivingTrees, a seasonal promotion aimed at rein-forcing the spirit of community.

The promotion, which begins November27, 2009 and ends December 31, 2009, willbenefit the following local charitable organi-zations: Banbury Cross, Crossroads forYouth, Haven, Love INC, Meals on Wheels(prepared by OPC), Orion/Oxford Boys andGirls Club, Orion/Oxford FISH, Problem Preg-nancy Center, and Oxford-Addison YouthAssistance.

To give back to our community, visitorsare asked to bring monetary donations andnon-perishable food items to participatingbusinesses in the Oxford DDA district, writetheir names on an ornament provided andhang it on the Oxford Giving Tree displayedin the business storefront.

For every $10 or 10 non-perishable fooditems a person donates, their name will beentered in a drawing to receive a $500 giftcertificate redeemable at businesses locatedwithin the Oxford DDA district.

The official kick-off of the Oxford GivingTrees will be held during the Oxford TreeLighting Ceremony in Centennial Park, locatedin the heart of downtown Oxford on Decem-ber 4, 2009 at 7:00 p.m.

This years ceremony will feature holidayentertainment provided by the Oxford High

School Marching Band and Choirs, OxfordMiddle School Choirs and the Chippewa Val-ley High School Alumni Choir.

Additional activities sponsored byGenisys Credit Union, Meijer and CandyCane Christmas Tree Farm will include thelighting of the Oxford Christmas Tree; FREEhot chocolate and cookies; FREE holidayfamily photo sessions with photos postedon our website and available for download-ing; childrens holiday storytelling at theNortheast Oakland Historical Museum andmoonlight shopping and dining at participat-ing shops and restaurants in the Oxford DDAdistrict.

For more information about the OxfordGiving Trees, the Oxford Tree Lighting Cer-

emony or to learn about volunteer opportu-nities, visitwww.downtownoxford.org.

Plenty ofChristmasfun, giving

downtown


12/12


Whereyoucomefirst.

Holiday Loanoliday Loan

Holiday Loanoliday LoanMoney to Lend

for any purpose!

22 Southeast Michigan locations,find more at www.genisyscu.org

as low as 7.75% APR

Oxford Branch248-236-8135

oxford biz dec 2009

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