orion biz aug 2010

8/9/2019 Orion Biz Aug 2010

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August 2010 -- Whats The Biz -- Lake Orio

BIZBIZBIZBIZBIZ A monthly collaborative with the Orion Area Chamber of Commerce A monthly collaborative with the Orion Area Chamber of Commerce A monthly collaborative with the Orion Area Chamber of Commerce A monthly collaborative with the Orion Area Chamber of Commerce A monthly collaborative with the Orion Area Chamber of CommerceOrion StyleOrion StyleOrion StyleOrion StyleOrion Style

Whats theWhats theWhats theWhats theWhats theWhats the

July 2010 Vol. 4 #5

I believed in my prod

uct. I knew as soon aI could get people in t

see I wasn't a thrif

shop, I'd be OK."-Kristy Kowach

Divas on Broadwa

co-owne

See the story on page 5

on Broadwaon BroadwaDivasDivasDivas


2/12

2 Whats The Biz -- Lake Orion -- August 2010

Scams on the rise - Be safe tips you should know

Orion Area Chamber of Commer

2010 Chamber Leadersh

PresidentRosemary Rangi

Crittenton Medical Equipment

Vice PresidentBill Kokenos

Orion Senior Center

TreasurerAlice Young, CPA

SecretaryLoretta Spatafore

uSellOnlineDirectors

Martha BergquistCoffee News

Carl CyrowskiMichigan Global Solutions LLC

Theresa FioraniCanoe Circle Graphics

Elizabeth MeyerGenisys Credit Union

Dawn NeelySeniors Helping Seniors

James PorrittAttorney at Law

Neal PorterVette Products

Linda SicklesOrion Township Public Library

Monica SquarciaNational City Bank /PNC

Karen UlrichQueensland Marketing

Craig ZmijewskiAAA Michigan

Executive DirectorAlaina Campbell

Orion Area Chamber of CommerP.O. Box 484

Lake Orion, MI 48361248-693-6300

[email protected]

BY ANITA GATES DELVENTHALThis past month I have seen so many

scams in the medical and financial fieldsthan I ever have before.They come by email, phone, fax,

internet, throughyour mailbox,even to yourfront door everysingle day. Theyjust keep comingat you like 100f a s t - p i t c h e dbaseballs.

All of thesescams makesome sort ofpromise or guar-antee to cure yourmedical and/or financial problem(s). Forexample medical scammers tell you their"pill" can fix it better and faster than yourdoctor can.

Their ads tell you everything you wantto hear to cure your medical condition.They promise your pain will go away ifyou just try their product.

People with financial problems are

The Lake Orion Review

is partnering with our commu-ni ty of entrepreneurs andsmall businesses with a dedi-cated goal of helping eachother succeed.

Join them for their freeweekly Coffee Club network-ing event at Culvers from7:30 to 9 a.m.

Coffee?Join the club!

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targeted by scammers that promise tohelp you get rid of your debt fast and

make all your tax problems go away.Here are some tips to help you fightthese scammers off.

1. Never, never, never, never giveyour social security number to anyonewho calls you "out of the blue.

2. If your credit card companycalls you (no matter what reason), getthat person's name then hang up.

3. Go get your credit card state-ment, call the number from your state-ment and check with them to see if theydid call you.

4. Do steps 2 & 3 for all calls youreceive from any financial institution youdeal with. If you don't deal with them,hang up (and don't feel bad because theyare bothering you).

5. Phone calls you don't know whothey are or did not initiate pretend youare someone else (every time they call).If they don't leave a message most likelyyou don't want to talk to them anyway.Remember, you owe these people abso-lutely nothing.

6. Be very careful what you put on

any social networking site and who youshare information with. (Sorry, I am not

a big fan of these things.)7. Have a private email address forfriends, family and school only.

8. Have a junk email address forKohl's, Lands End, etc

9. Business owners, you shouldhave a private business email address touse - be very careful who you give thisone too.

10. Business owners, you shouldalso have a general email address on yourwebsite (if you have) so people can con-tact you. Don't use your private address(in step 9).

11. Seek medical advice and carefrom your qualified doctor that you trust.

12. Seek financial advice and carefrom your accountant/financial advisorthat you trust.

We must all take extra precautionsfrom these scammers who don't seem tohave a conscience.

We must also be two steps ahead ofthem at all times. Make a game out of it

by frustrating them for calling you somuch (I do, and it is a lot of fun).

Anita Delventhal is President &CEO of A.G. Consulting Services Inc,a Five Star Wealth Manager, an ac-countant, tax advisor and benefitscounselor with 25+ years of experi-ence working with individuals andsmall to medium sized businesses.She helps her clients handle employeebenefits, accounting/QuickBooks, fi-nancial and tax issues. She is also aCertified ProAdvisor for QuickBooksand a Registered Representative. Formore information visit our website @www.agconsultingservices.com, call248-393-0403 or email her [email protected].

Anita Gates DelventhalPresident & CEO, A.G.

Consulting Services Inc.


3/12


Orion Area Chamber of Commerc

A message from OACC President Rosemary Rang

Briefly

BY ALAINA CAMPBELLWe love it when businesses make

valuable connections with other busi-nesses at ourevents. Twogreat examplesrecently came toour attention.

Rick Seidel, pastor of theWoodside BibleChurch LakeOrion campusmet Chris andKelly Collins,owners of PlanetKids Children'sCenter, at theChamber Picnic in June.

After chatting and getting to knoweach other, Pastor Rick found out Planet

Kids owns a large bounce house.As a result, Planet Kids has lent thebounce house to the Woodside LakeOrion campus twice now for differentevents.

During these tough times it makessense to share resources. The WoodsideLake Orion campus is just getting goingand can't afford to purchase such non-essential items, but the networking op-

BY ROSEMARY RANGIIn today's economy, businesses

need to take advantage of every pos-sible opportunityto expose theircompany to the

public.More often

when times aretough, the firstthing to be cut in

budgets is themonies allocatedfor marketing andadvertising.

This strategyis probably the

worst possible thing to do. Now morethan ever, you need to visibility to bringin both new and repeat business.

There are some opportunities how-

ever that are over-looked which can costyou little or no money. This is where yourChamber membership can come into play.One easy way to showcase your businessis by sponsoring a Chamber event.

The Chamber regularly holds morningnetworking events where fellow membersare invited right in to your place of busi-ness. If they have never been there before,it gives them the opportunity to experiencefirst-hand what your company is all about.

The Chamber provides the necessaryadvertising at no charge to you to informthe membership about this great network-ing opportunity and to ensure that you havea worthwhile turnout. The only thing youmight have to provide is perhaps some cof-fee and cookies and your time.

Just think of what having 20 new fin your facility might do for sales.

Remember too that those who dotend then become the perfect referral sofor other potential customers that theysend your way since they have an "insid

perspective.If you are interested in sponsori

networking or other Chamber event, plcontact the Chamber office at 248-6300 and see what opportunities exisyou.

Rosemary Rangi is Director of Options for Crittenton Medical Equipme

portunities provided by the Chamber helped put them in contact with a business whohad what they needed.

Their financial resources can go tomore important priorities and Planet Kids isgiving back to the community with a re-source they already have, plus gaining valu-able exposure for their business. Now that'sa win-win!

Another great example is a connectionmade by Custom Threads with GoodwillIndustries of Mid-Michigan at our last Net-working event. Custom Threads ownerMark McCord met Kathy Rometty, com-munity relations manager from Goodwill.

Mark lamented that he sometimes hascustom printed shirts and clothing itemsthat go unused. However these items can't

be simply donated into the local area be-cause they may have local logos or sportsnames that should only be worn by local

team members.They can go outside the southeast

Michigan area though, and Kathy fromGoodwill Industries said No problem, I canhelp you with that. He can donate them toGoodwill and they will ensure they are uti-lized outside this area. So now perfectlygood clothing items that would normally

be thrown away will be used to help thosein need.

Mark your calendarfor upcomingOACC events:

AugustJoint Luncheon with Oxford Chamber ofCommerce, Thursday, Aug. 5 from 11:30a.m. to 1 p.m. at Canterbury Village, KingsCourt Castle. Cost is $20 for membersand $25 for nonmembers, payable at thedoor. Please RSVP your attendance

Networking Group, Wednesday, Aug. 4and 18, from 7:30 - 8:30 a.m. at the Cham-ber office, 1520 S. Lapeer Road, Suite 112(across from Golling GMC) Free. Coffeeand breakfast cookies will be served.

SeptemberChamber Luncheon, Thursday, Sept. 9,from 11:30 a.m. to 1 p.m. at Italia Gardensin Oxford. Cost is $20 for members and$25 for nonmembers, payable at the door.Please RSVP your attendance.

9th Annual Chili Challenge, held in con-junction with Barn Daze, Saturday, Sept.11 from 10 a.m. - 4 p.m. at FriendshipPark. Please contact the OACC office forChili Challenge rules and registration ma-terials.

OctoberChambers 60th Anniversary Celebra-tion, Saturday, Oct. 23. With a Roaring 20stheme and live band, you dont want tomiss this special event. Watch What's theBizand theMonthly Motivatorfor furtherdetails.

To RSVP for any of the above listed eventscontact the OACC office at 248-693-6300or [email protected].

Rosemary Rangi,

OACC President

Alaina Campbell,OACC Executive

Director

Youre invited

Cel eb rat ing 60 y ears Cel eb rat ing 60 years Cel eb rat ing 60 y ears Cel eb rat ing 60 y ears Cel eb rat ing 60 y ears

Are you interested in improing your networking skills? Wouyou like to be a better publspeaker?

We've got the seminar for yoIts fun, fast and full of great infomation.

The seminar is presented bpresented five-time EMMY Awawinner Shawne Duperon, who ha

worked at ABC, NBC and travelethe globe for the likes of "WorBusiness Review" with AlexandHaig and The Science Museum London.

She's interviewed and filmehundreds of celebrities and you'vseen her featured in newspapesuch as USA Today, The Wasington Postand The Chicago Tbune.

The seminar takes place Fday, August 20, from 8:45 a.m. noon at the Clarkston CommunSchools Administration BuildinCost is $35, payable in advancto the OACC.

This seminar is provided you through collaborative efforof the Clarkston Area Chamber Commerce, Ortonville Chamber Commerce and the Orion AreChamber of Commerce.

For registration forms pleascontact the Chamber office at 24693-6300 [email protected]

Valuable connections madeat Orion Chamber events

Chamber offers

networking semina


4/12


Ready for some family fun?Glitz Salons will hold the 9th annual Fam-

ily Festival, Cut-a-thon and Run for a Rem-edy on Sunday, July 25 at 4868 Baldwin Road(corner of I-75 and Baldwin Road in theBaldwin Commons parking lot).

The event starts at 8 a.m. with a 5K run,and continues with a hypnotist show at 11a.m., and the arrival of famous princesses andsuperheroes at 1 p.m.

Good fun for good cause at GlitzThe day also includes inflatable games,

pony rides, horse and carriage rides, Dealor No Deal, a huge s ilent auction and hair-cuts for a $20 donation.

Admission is free, and 100 percent ofmoney raised goes to the Childrens Leuke-mia Foundation of Michigan.

To register for the run, visitwww.active.com. For more information, callGLITZ NXT at 248-393-4500.

Spidermangreetssome

youngadmirers

at lastyearsevent.

Guest columnBy Michigan Congressman FredUpton

These have been challenging timesor Michigan. Unemployment has hov-ered just below 15 percent for sometime, but there are some bright signs thatsuggest we are finally making progress.

It has been Michigans small busi-nesses on the frontlines during the eco-nomic downturn, doing what it takes tosurvive and keeping folks employed; andit will be

M i c h i g a n ssmall busi-nesses thatlead the way

back to pros-perity.

Unf o r t u -nately, policiescoming out ofWa sh i ng t onhave not been very friendly to the small

business community to say the least.The recent overhaul of health care

threatens small businesses with a bar-rage of costs and unforeseen mandates,hindering future growth and recovery.

I teamed with Rep. Dave Camp andother Michigan Republicans to block themassive health care package - wefought to give employers incentives to

provide health care to their employeesrather than overhauling the entire healthsystem with burdensome and onerousregulation.

Unfortunately, our efforts were un-successful.

Although it has been nearly two anda half months since the President signedthe $2.6 trillion health bill into law, itseems that nearly every day our warn-ings are coming to fruition as a new taxor penalty comes to light.

The small business community has

been placed squarely in the crosshairs.In fact, it was only recently that a smallprovision on page 737 of the over 2,000-page bill gained attention that threatensthe livelihoods of small businesses acrossMichigan and the nation.

Section 9006 of the Patient Protec-tion and Affordable Care Act (P.L. 111-148) will require business owners to sub-mit a separate 1099 IRS reporting form

for every single business-to-busitransaction that exceeds $600 in a gyear.

Under current law, businessesrequired to report services providenon-corporate entities.

This provision of the health caregreatly expands that requirement, bytending it to all corporations that aretax-exempt.

This burdensome provision threns very p

ductivitmost smbusines

Yname

businef r ohomebuito conttors, to

blossoming entrepreneur, many will hto spend more time filing paperwork carrying out their daily business ptices.

Where are our priorities?Maybe it was this requirement

sent the signal to the IRS that o15,000 new IRS workers will be nesary to handle the massive influx of mdated filings.

Not exactly the sort of job grothat will aid in our economic recove

Compliance means small busiowners will need to file paperwork wthe government for basic day-to-

business expenses, such as telecomnication services, utility repairs, andfice supplies.

Not only does this provision direput an onerous tax reporting burdensmall business, it also has the added

pact of changing the way compaconduct their business with outside v

dors.Faced with the prospect of a mo

tain of IRS forms, many companies find it more convenient to turn to lglobal suppliers rather than negotiate a number of smaller, local compani

Luckily, this absurd provision dnot take effect until 2012.

Policies out of Washingto

not friendly to small business1099 form requirement a surprise in health care law

Continued on pag

Faced with...a mountain of IRSforms, many companies willfind it more convenient to turnto large global suppliers ratherthan negotiate with a number

of smaller, local companies.-Michigan Congressman

Fred Upton

Located on Lapeer Road & Dutton (1/2 Mile N of the Palace) 248-276-2222

Of Lake Orion

Go to myculvers.comfor our Flavor of the Day List

TuesdaysClassic CarsCruise Night

Every Tuesday5:00 8:00 p.m.

Avg. Over 150 carsLive Band,

Tues., August 10thThe Viceroys

7-9pm

Meeting Room for Any OccasionSeating 10-25 GREAT for Birthday Parties!!

Special

$1ButterBurger

(Limit5perperson)

AllDay-10am-11pm

Come Celebrate

Culvers 2nd Year

Anniversary

Thursday,July 29thVoted No. 1

Burger in America

Stop in & registerto win a $500 Gift

Certificate toCulvers,

(No purchase necessary)

Winner will be announced at ouranniversary party(need not be present to win)

In addition, we will havelive entertainment and many

other prizes given outthroughout the day

Over 45 Items

to Select from

Drive-Thru Available

for Your Convenience

A portion of todays sales will be donated

to the American Red Cross

Live Reggae &Island Music

by Jonathon Motley

on the patio 5-9 pm

Live Reggae &Island Music

by Jonathon Motley

on the patio 5-9 pm


5/12


By Laura Colvin Lake Orion Review editor

It was a happy day when KristyKowach and Dina Glende realized theyneeded some help.

Business was booming at Diva's onBroadway, and the duo - co-owners ofthe upscale consignment boutique in

downtown Lake Orion - decided they'dbetter hire an employee. Or two, orthree.

It wasn't always that way; thingswere a little slow when Kowach openedher first shop, Twice Blessed, achildren's consignment shop, in the vil-lage some four years ago.

But she kept going."Some days there were no sales

and I literally cried," she said. "But Istuck it out because I believed in my

product. I knew as soon as I couldget people in to see I wasn't a thriftshop, I'd be OK."

She was right.When things improved,

Kowach moved Twice Blessedinto its current location at 135S. Broadway.

Last winter, she andGlende partnered to openDiva's in an adjoiningspace.

At the shop - deco-rated in a trendy, fun style- cost-conscious shopperswill find a variety of cur-rent fashion and accessoryitems, including a heavy vol-ume of designer labels likeDooney & Bourke, Coach, LuckyBrand, and Seven.

"People are surprised,"Kowach said. "We've got lots ofdifferent styles, different looks,and there's always something newcoming in."

And many of Diva's items arethings not generally found in local re-tail stores.

"We get lots of European clotheson consignment," Kowach said, noting

Time for

Chambers 9thAnnual Chili

ChallengeDo you think you have

Lake Orions best Chili recipe?Prove it, and put chili to the

test at the Orion Area Cham-ber of Commerces 9th AnnualChili Challenge, coming up in

conjunction with Orion Parksand recreations Barn Daze atFriendship Park on Saturday,September 11 from 10 a.m. to4 p.m.

Participating teams willbring all the ingredients andsupplies to Friendship Park,where theyll will cook up thechili.

A distinguished panel ofjudges will do the tasting, withwinners awarded in the follow-ing categories:

Grand Price for best overall

chili,Peoples Choice Award,

Scorned Woman for best

spicy chili

Born to be Mild for best mild

chili.

Winners receive a plaqueand winning Chili recipes willbe featured at several arearestaurants this fall.

The Chili Challenge isopen to any group, business,family or individual who wantsto participate.

To enter contact theChamber office at 248- 693-6300 [email protected].

Last years Grand Prizewinner was Genisys CreditUnion, come see if you canbeat them!

Good luck!

Divas offers

designer labels

and cool deals

she often takes consignment from Euro-pean women in the U.S. on job assign-ments.

In addition to womens clothing andaccessories, Diva's also offers a junior'ssection, with a wide selection for high

school and college students, incluhomecoming and prom dresses.

Throughout the store, shoppers also notice unique, custom-painted future and home decor.

Buy it off the floor, or place a tom order with Divas co-owner D

Glende, who gets lots of requestschildren's items and accent piec

All-in-all, Kowach said, thare looking good.

"I'm humbled because opositive response from the cmunity," she said, noting the bness is based on two imporprinciples in her own life: F

and trust.She also feels its imtant to contribute tocommunity, and makpractice of donatin

local organizationsLove INC, clothclosets, schools, families recoverinter a fire or other tr

event.It's my faith,

said. Its where my his, for the children. I get from giving.

Stop by Divas or Tw

Blessed, located at 13Broadway. Call Diva248-693-3800 or Twice Blessed at 248-68900.

Shoppers will find something different every week at Divas. Photos by Laura Co

Kristy Kowach, left, Dina Glende co-o

Divas on Broadway


6/12


Associated Foot ClinicJeffrey C. Noroyan, D.P.M. Tim Snyder, D.P.M.

Gloria C hristian, D.P.M.Physicians and Surgeons of the Foot

191 North Park Blvd Lake Orion

248-693-8400Diplomate, American Board of Podiatric Surgery

2375 Stanton Road Lake Orion248-693-4695

www.paintcreekgolf.com

EYE HEALTH PROFESSIONALS& FASHION OPTICALModern Eye Care, Old Fashioned Caring

81 Indianwood Road., Ste 1

Lake Orion, MI 48362248-693-2321 Fax: 248-693-2703Email: [email protected]

Robert E. Deck III, O.D.Doctor of Optometry

ENVIRONMENTALWOOD SOLUTIONS

Call For Rates 248-391-94463500 Giddings Rd. (N of Silverbell)

Hours: Mon-Fri. 8-5 Sat. 8-1

www.ewsmullins.com

RECYCLING:

Stumps / Brush / Logs Tree Debris / Yard Waste

Pallets / Crates Wood Construction Debris

Screened Topsoil Planting MixHardwood Mulch Colored Mulch

Aggregate Materials - Sand & Stone

LAKE ORION

WINDOW TREATMENTS

47 S. Broadway Lake Orion

248-693-0124 Fax 248-693-0031

Custom Draperies Blinds Carpet

Upholstery Hospital Bed Curtains

Commercial Residential

Prepare Business & Personal Tax Returns

Assist New Business in Federal & State Registration

Payroll Processing Bank Reconciliation

Financial Statements Periodic Tax Planning

Personalized & Confidential Service

accounting services, inc.

399 S. Broadway Lake Orion 248-693-0003

This space

only$2900

Call For Details

ACCOUNTING, TAX &BOOKKEEPING

Abacus AccountingServices248-693-0003

Alice P. Young, CPA248-693-3152

Andrews Hooper& Pavlik248-340-6050

ATD Solutions LLC248-620-1177

B2B CFO248-814-0666

Gorank & Mattina248-601-9500 x12

H & R Block248-625-7940

McKee & Company248-693-1300

Were Your Ofce248-672-5798

ADVERTISING

Coee News o LO248-391-6730

Ganett Directories800-338-5970

ATTORNEY & LEGAL

SERVICES

Beier Howlett, PC248-645-9400

James R. Porritt, Jr.248-693-6245

Mark E. Crane, PLLC248-909-0956

The Wol Law Firm248-693-6245

AUTO MFG & SALESGolling Buick GMC248-693-5900

Leonard Enterprise248-391-1822

Palace Chrysler-Jeep248-393-2222

Skalnek Ford248-683-6241

Wally EdgarChevrolet248-391-9900

AUTO SERVICES

Lake Orion TruckAccessories248-814-2277

Lombardos Towing

Service248-230-0350

Midwest WreckerServices248-238-6866

Muer ManLO248-814-9292

Vette Products248-693-1907

BANKS, CREDIT

UNIONS,

MORTGAGES

5/3rd Bank248-276-7300

Comerica Bank248-693-7841

Genisys Credit

Union248-370-0530

Lakes Comm. CU248-814-4000

Michigan Cath. CU248-693-3400

Oxord Bank248-693-6261

PNC Bank248-693-8351

Shore Mortgage248-693-2570

BEAUTY, HAIR &

SPAS

Essential Touch248-287-2072

LaVida Massage248-693-0820

Luxe Salon248-391-2632

Rodan & FieldsDermatology586-752-4821

Salon U248-693-8768

Schenden Spas248-693-2999

BEVERAGE DISTRIB.

Powers Distributing248-393-3700

BUSINESS &

CONSULTING

First Data MerchantServices248-935-3310

Fresh Eyes BusinessServices248-572-4405

Manage Max

PerormanceImprovement248-396-5031

MasterMindSolutions248-394-3000

NBS Solutions248-693-0494

Phillips Consulting248-276-8606

QueenslandMarketing248-370-9111

RemlingerArchitekts, PLC248-705-7096

Stephen Auger &Assoc., Architects248-814-9160

Treeline Associates248-814-7151

Virtual Ofce oDebbie Leveski248-802-3576

CHIROPRACTICDolecki Chiropratic248-391-1040

Gregg Chiropractic248-391-1600

CHURCHES &

RELIGIOUS

Divine GraceLutheran Church &School248-391-1131

Knights o Columbus248-693-9824

Unity Church o LO248-391-9211

Woodside Bible248-687-7115

CIVIC & NON-

PROFITS

Boys & Girls Club oSouthEast Michigan248-365-5000

Downtown LakeOrion248-693-9742

Kiwanis Club oOxord/Orion248-628-2533 x245

LO Education Found.248-821-4592

Lake Orion LionsClub248-975-6378

North OaklandComm. Coalition248-520-3786

Orion HistoricalSociety248-693-4154

Orion TownshipPublic Library248-693-3000 x305

Parrot Charity PokerClub248-693-9570

Orion NeighborhoodTV248-693-3377

COMPUTER & TECH

Lodden Services248-724-1400

Secure Solutions248-872-8426

COMMUNICATIONS

AT&T/Prime Wireless248-236-9000

Verizon Wireless

248-393-6800

CONSTRUCTION &

REMODELING

Alter Eco248-535-7787

Davis HomeImprovement248-391-6644

Dunrite RoongSiding248-393-5000

EverydryWaterproong586-698-3030

J.L.O. HomeImprovement248-693-8481

Kemp Bldg &Development248-583-9030

Schoenherr Hom248-693-6100

Tamis MarineConstruction586-749-5741

DANCE

L. A. Dance248-393-1339

DENTAL &

ORTHODONTICS

Deborah DeHaaDDS248-391-4477

James KomendeDDS248-693-2194

Joe MastromattDDS248-693-1331

John Blake, DDS248-693-5800

LO Family Denti248-693-6213

Rocco Ciccone, D248-693-8366

EDUCATION & C

CARE

A+ Nannies248-834-0808

Eagle CreekAcademy248-475-9999

Kingsbury Scho248-628-2571

LO Comm. Scho248-693-5414

LO Comm. DriviSchool248-693-7600

Lake Orion KumCenter248-693-6284

Mathnasium248-391-2800

Pee Wee Patch248-814-1010

Planet Kid ChildCenter248-620-9032

Orion Area Chamber of Commerce

Our Members


7/12


FULL SERVICE AUTO REPAIR

Brake Service

Tune-ups

Air Conditioning

591 South Lapeer Road Lake Orion

248-693-1488

BRAKES

Lifetime GuaranteedExpires 8-31-10

MaintenanceCheckup

Most VehiclesExpires 8-31-10

Pads or shoes

Most VehiclesChange Oil & Filter,

Rotate Tires, Check Brakes

$2995 $8995Per Axle

WE DO THAT

Business Owners...Did You Know That

Not Only DoesSherman Publications, In

PublishAward-Winning Newspape

we also offer

QUALITYPRINTING SERVICES

Call or Stop In

666 S. Lapeer Rd. Oxford 248-628-48

Flyers Brochures Menus Envelopes Business Forms Business Cards and More

The Oxford Leader

Lake

Orion

Schollegiate CollegeAdvisor248-889-5807

Stars & Stripes Kids

Activity Center248-625-3547

The Goddard School248-628-6268

The LearningExperience oClarkston248-625-5285

ELECTRICAL

Tuson Electric Inc.248-814-7228

EMBROIDERY

Custom Threads &Sports248-391-0088

ENVIRONMENTAL

EnvironmentalWood Solutions248-391-9446

Waste Management800-796-9696

EQUIPMENT RENTAL

JSPO LLC248-640-8396

Valley Tent Rental810-459-7368

FUNERAL HOMES

Modetz FuneralHome248-371-3777

Sparks-GrifnFuneral Home248-693-8336

GOLF & BANQUETS

Boulder Pointe248-969-1500

Myth Gol Course248-693-7170

Oxord Hills Gol &Country Club248-628-2518

Paint Creek CountryClub248-693-4695

GRAPHICS, WEB,

PRINTING & SIGNS

Canoe CircleGraphics248-391-9916

GrassrootsTechnologies248-854-7625

Martys Insty Prints

M&B Graphics Inc.248-690-7527

The Marketing Shop248-330-8787

Website SEO Service248-505-9710

HEALTH &

WELLNESS

ArthemizRevitalizationCenter248-783-1030

Basketball America248-693-5858

Great Lakes AthleticClub248-393-3085

Powerhouse Gym248 693-0300

INDIVIDUALS

John Steimel248-340-5907

Eric Wilson

INDUSTRIAL

Guinn IndustrialCenter248-693-4432

Kay AutomotiveGraphic248-377-4999

The Leading Edge248-814-8290

INSURANCE

AAA Michigan248-393-7702 x224

Allstate-MlynarekAgency248-393-1300

Allstate-SpanoAgency248-391-3272

Americas BusinessBenet248-906-0342

Backus Payne &Assoc.248-608-9520

Downey King-Phipps248-628-2565

State Farm-BillKirchner Agency248-693-2464

Various Insurance

Planning248-393-3146

Western SouthernLie586-228-0230 x138

INVESTMENTS

& FINANCIAL

PLANNING

Ameriprise FinancialServices248-865-2517

Michigan FinancialCompanies248-933-0568

LANDSCAPING

Orion Stone Depot248-391-2490

LOCAL

GOVERNMENT

52-3 District Court248-853-5553

Charter Twp. oOrion248-391-0304 x101

CountyCommissioner248-728-7133

Village o Lake Orion248-693-8391

MEDICAL SERVICES

Assoc. Foot Clinic248-693-8400

Bald MountainMedical Pharmacy248-814-9814

Beaumont Hospital248-964-1807

Crittenton HospitalMedical Center248-652-5000

Crittenton MedicalEquipment248-693-5384

Guest House248-391-4445

James Bauer, MD248-693-4271

Lake Orion Nursing& Rehab248-693-0505

Orion FamilyPhysicians248-693-3551

POH Medical Center248-338-5000

Pro. Hearing Clinic248-693-2600

The Little Clinic248-690-2192

TreesidePsychological Clinic248-693-9614 x61

Waldon Family

Medicine248-391-9090

MOVING & STORAGE

1-800-Pack Rat248-276-2358

Lake Orion SelStorage248-814-8040

National StorageCenter248-391-1470

National StorageCenter- Waldon Rd.248-393-1307

Premier Sel Storage248-276-9200

NEWSPAPERS &MEDIA

Lake Orion Review248-693-8331

Stickradt MediaGroup248-884-1051

The Oakland Press248-745-4526

PHYSICAL THERAPY

HealthQuestPhysical Therapy248-393-7707

PLUMBING

LO Plumbing &

Heating248-693-4775

Oxord OrionPlumbing Heatingand Cooling Inc.248-969-8100

Turner Sanitation248-693-0998

PROPERTY RENTALS

Heritage Place Apts.248-693-9197

Indian LakeApartment Village248-391-3040

J & L Rustic Cabins248-628-6087

Waldon Lakes Apts.248-391-5500

REAL ESTATE

Coldwell BankerShooltz Realty248-969-8058

Michigan GlobalSolutions248-690-7049

RESTAURANTS

Bualo Wild Wings248-814-8600

Caseys Chicken248-391-1000

CJs Lakeside Grill &Sandbar248-693-8704

Culvers-Lake Orion248-276-2222

Gs Pizzeria393-0000

Hamlin Pub248-814-8109

Hole in One Bagel248-391-6771

Italia Gardens248-628-4112

Jets Pizza248-814-7559

Oscars Bar & Grill248-393-8600

Palazzo di Bocce248-371-9987

Pizzarifc248-393-3600

Tubbys Sub Shoppe248-693-4600

Valentinos248-814-1100

RETAIL &

CONSUMER

SERVICES

Cartridge World oOrion248-814-0335

Costco Wholesale248-648-0020

DTE EnergyGreat Lakes Crossing248-454-5010

Hanks Fly FishingUnltd.248-693-0500

Jacobsons Flowers248-693-8383

K-mart248-693-6252

LO WindowTreatments248-693-0124

My Pic Photography

248-217-0559

Pampered Che248-693-9306

PartyLite248-421-0426

Paula KurzawaPhotography248-814-0916

Sweet Lane FudgeFactory248-393-3340

Twice-Blessed248-693-3800

uSellonline EbaySpec.248-421-1839

SENIOR SERVICES

Alliance Senior Care248-274-2170

American HouseVillage248-853-6000

Hope Senior Apts.248-628-7676

IndependenceVillage-Waterstone248-236-8300

LO Assisted Living248-814-6714

Legacy o America248-377-9569

Orion Senior Center248-693-2066

Seniors HelpingSeniors248-969-4000

The Comorts oHome248-394-3005

Visiting Angels248-693-6567

VISION CARE

Eye HealthProessionals248-693-2321

For more information about the

Orion Area Chamber of Commerce,


8/12


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

Licensed Broker Chairperson of County Bar R.E. CommMember 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 FreeInitialConsultation

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)

Walkin away

BY JAMES R. PORRITT, JR.The decline in property values

coupled with reductions in disposableincomes have leftmany disparate peoplemistakenly clinging torumors and myths ofeasy solutions.

Among the oft re-peated and more dan-gerous folk tales is theconcept that borrow-ers can leave the keyson the counter andwalk away to escapethe burden of their

home mortgage.Michigan is a 'recourse' state. A

mortgage lender still has the legal abilityto pursue a borrower for any deficiencyafter taking back a property for up tosix years.

It is certainly possible that the lendermay determine that a particular borroweris not worth pursuing, but more likely,if the amount is significant, that thelender will bide its time to assert its claim

until the borrower has regained somefinancial wherewithal.

Borrowers have limited opportuni-ties to negotiate a complete dischargeof the debt.

Among the possibilities are: 1) adeed-in-lieu of foreclosure; 2) a shortsale; and 3) a bankruptcy.

The deed-in-lieu (d.i.l.) is generallyonly available before the lender has initi-ated a foreclosure and involves an agree-ment to discharge the debt in exchangefor a surrender of the property.

A short sale is an agreement bywhich the lender agrees to forgive thedebt in exchange for the proceeds of asale (and sometimes additional fundsfrom the borrower).

A bankruptcy proceeding can dis-charge the debt without the consent ofthe lender.

All three require a detailed analysisof the borrower's financial conditionand each has its own advantages anddisadvantages. Know the consequences

before throwing yourself on the sacrifi-cial flames.

Attorney JamesR. Porritt, Jr.

Know consequences before throwing yourself on sacrificial flames

Genisys offers new scholarshOn the heels of a recent strategic alli-

ance partnership with Cleary University,Genisys Credit Union has announced a newscholarship named in honor of former CEOand Cleary alumna, Dianne Addington.

The Genisys Credit Union DianneAddington Leadership Scholarship providesfunding to Cleary University degree-seekingstudents who serve their communities as lead-ers and volunteers.

One $2,000 scholarship will be awardedannually to a Cleary University student.

"I could not be more pleased that theboard of Genisys Credit Union chose tohonor Dianne Addington, their recently re-

tired CEO, by funding a Cleary Universityscholarship for the next five years," saidCleary University President Tom Sullivan."The fact that the Genisys board recognizedthe importance of Dianne's alma mater to herand concurred with her assessment that herwork at Cleary was instrumental to her suc-cess at Genisys is incredibly rewarding."

Students applying for the scholarshipmust have at least a 3.0 overall GPA with jun-ior level standing (90-120 credit hours com-

pleted). Students must also attend at part-time (eight quarter hours) in a degseeking program and demonstrate acadachievement.

In addition, because of Addingtcommitment to community serviceGenisys' ongoing support and prioritizof community programs, students arequired to have at least two years of serand currently be involved in a commuservice organization.

Special consideration will be givenstudent is serving in a leadership role.

Student applicants must also subm250-500 word essay describing how

meet the outlined requirements along two letters of recommendation from the cmunity organization being served.

Transfer students are eligible forscholarship if the required criteria have bmet.

For more information about the schship or to obtain an application, please tact Cleary University's Office of FinaAid at 517-338-3042 or via [email protected].

Genisys Credit Union sponsored the

Honors & Awards Convocation for OaklandSchools Technical Campus Northeast on May27.

More than 300 students were recognizedwith 36 earning the Dean's Award and 35 earn-ing Program Honor Awards.

"Learning is facilitated interactively,hands on, in a safe and encouraging schoolatmosphere," said Andrea Williams, Associ-ate Dean for Oakland Technical Schools Cam-pus Northeast. "It is through career focusededucation students have the opportunity toexplore career options for better careerchoices."

Two ceremonies were held in the morn-ing and two in the afternoon to help

accomodate the number of students re

nized. After each ceremony, students andents were treated to an Ice Cream SociaThe Northeast Campus, locate

Pontiac, serves students from Avondale, LOrion, Oxford, Pontiac, and Rochester.

Genisys Credit Union is glad to beof the community, and truly believes Genis "where you come first."

We are locally owned, locally controand continue to be an award-winning onization for safety and soundness. Foour community involvement on Faceboowww.facebook.com/genisyscu and Twitwww.twitter.com/genisyscu. A calendaevents can be found on our websitwww.genisyscu.org.

Genisys sponsors honors, brings ice crea


9/12


Distressed, vintage inspired

and affordable

Distressed, vintage inspired

and affordable

By Leah YanuszeskiLake Orion Review Intern

Even while sitting at Poppyseed indowntown Lake Orion, Scott Allen

Bruces creative juices continue to flow,mentally transforming ordinary sign hold-ers into works of art.

Oxford resident Bruce, an artist whouses hard wood as a medium for his cus-tom wine racks, wall dcor, distressedframes, and other items, is stepping onto the local artistic scene.

Ive always been artistic, Ive al-ways been an artist, says Bruce. He pre-viously worked as a production managerfor a printer company.

When he lost his job about fourmonths ago, Bruce decided to pursue hispassionart. I saw it as an opportunityto get into what I like to do, he said.Bruces artistic resume includes commis-

sion-based childrens portraits as well aswoodworking.Combining both, Bruce now creates

that one of a kind gift or special item.Bruce calls his style vintage in-

spired.Ive always been drawn to things

that look like they have been here awhile,Bruce said, I like to bring out the flawsin wood.

He continued by saying his artworkjust flows, and spur-of-the-moment in-spiration is what he thrives on.

My mind is too crazy to explain,said Bruce. However Bruce also doesmodern pieces, such as pastel paintings.

Ready to purchase items are avail-able at Bruces website,www.ScottAllenBruce.com.

However, customized pieces are easyto come by. Bruce explained that he cre-ates pieces based on what the customerwanted.

I can create custom pieces for theindividual. Their imagination can start theball rolling, or they can give me creativecontrol, says Bruce.

The piece can also be real specific

When his job as production

manager for a printing company

disappeared, Scott Allen Bruce

decided it was time to pursue

his passion for art

to the customers wants. Samples of wall paint, furniture, or flooring may be brought in for color references, andBruces custom frames can be createdaround the picture.

Furniture may be made to match cur-rent home dcor as well.

I can also go into the customershome, and accent the walls, ceilings, orstructure of the house, he said. I try tomake everything affordable. Im not try-ing to make art that nobody can afford.

Smaller frames that hold a seven-by-five picture sell for around $60. Six-bottlewine racks sell for about $260, whereas

smaller wine racks go for around $100.Items can be made to any size. However,the sky is the limit to as what you wantdone, Bruce said.

Many of Bruces pieces are availablefor sale at Elements, located in down-town Lake Orion. He has been workingwith Elements for about a month now.

We are very excited to carry a localartist, comments Bonnie Blais, owner of

Elements, His unique quality productsenhance our shop. We have sold a

bunch.Bruce is looking to expand his busi-

ness both by selling more custom piecesto individuals and selling items in morelocal shops.

Bruce and his wife Beth have twodaughters, both of whom are models inmany of his frames.

Artist Scott Bruce shows off one of his frames, available for sale atElements in downtown Lake Orion. Photo by Leah Yanuszeski

Call Scott Bruce at

248-701-8416, email

[email protected]

or check out

www.ScottAllenBruce.com

Interested?

ScBru

distressa

repaifurnit

fovinta

lo

Bruce said his goal is simple: Toceed expectations and provide custers with a piece of art that will be cished for a lifetime.

To see Bruces work, he suggstopping by Elements, located at 11 SBroadway Street. To discuss cus

pieces or gift ideas, contact Bruc phone at 248-701-8416, or by [email protected].


10/12


If you and the local tow truck driverare on a first-name basis, or you arespending your free time searching forcheaper gas for your guzzler, a new carmight be in your near future.

Michigan Catholic Credit UnionsAuto Loan Special can help you get thecar you want with payments tailored tofit your budget.

MCCU is offering auto loan rates aslow as 3.99 percent APR* on modelyears 2008-2010 with terms up to 84months and 4.99 percent APR** onmodel years 2001-2007 with terms up

to 66 months.This spring take advantage of thesegreat rates and MCCUs quick loan ap-

proval to get on the road again in thevehicle you want.

An MCCU auto loan gives you: Great terms and payments to fit your

budget Low rates on new, used and classic

vehicles Discounted Auto Insurance plus

GAP, Credit Life & Disability insuranceavailable on new and used autos***

Michigan Catholic Credit Union hasearned an outstanding reputation as atrustworthy and reliable lender and is wellknown for its low-rate auto loans.

We suggest that you speak with one

of our loan experts and get your loanpre-approved before you take your firsttest drive.

That way, youll know the price rangeand the payment amount you can com-fortably afford. Then, you can shop withconfidence knowing youll avoid anyhassle or pressure at the dealership.

If you already have an auto loan withanother lender, we invite you to stop by

any Michigan Catholic Credit Uniobranch to take the Beat Your Car Pament Challenge.

If we cant lower your current cpayment, well give you a $100 DiniDough Card**** good for substantidiscounts at dining locations in yoneighborhood and on gifts.

MCCU is a member-owned, full-sevice financial institution. We are committed to helping enhance the financlives of the Catholic community by prviding quality financial products and sevices at an affordable cost. We foc

on building lifelong relationships with omembers and their families.MCCU has seven branch location

Lake Orion, Rochester, WeBloomfield, Troy, Sterling Heights, AArbor, and Lansing.

For more information about the auloan special, refinancing a current auloan, or about credit union membershicall Diane Leier, Branch Manager Michigan Catholic Credit Unions LaOrion Branch, today at 248.693.340ext. 1500. Or stop in at MCCU at 8South Lapeer Road for details.

*As low as 3.99% APR (Annual Percentage Rate)up to 84 months. ** Rates as low as 4.99% APR for up66 months.

***Mechanical Breakdown, Credit Life and Disaity, and GAP Advantage are offered through Allied Sotions. Auto Insurance is offered through Members Hoand Auto and AAA of Michigan insurance companie

****Offer is subject to credit approval. Other resttions may apply. Member must bring in other financinstitutions loan papers to verify current loan paymeIf vehicles value is less than loan refinance, MCCUserves the right not to approve loan. Offer is basedcreditworthiness and collateral value. Dining DouCards are purchased though Fidelity National Informtion Services.

Your rate is determined by your credit profile account relationships with MCCU. Rates current as5.4.10 and subject to change without notice. Membship eligibility required.

Auto loan special makes it easier

Shift into drive with MCCU

Bliss Honeymoons of S.E.Michigan has been selected as theexclusive honeymoon and destina-tion wedding provider for the "OneStop Shop Bridal

Network" at Can-terbury Village inOrion Township.

With the opening ofCanterbury's new wedding chapel,the Aldridge family provides a singlelocation for couples to visit and plantheir wedding.

Along with his staff,Canterbury's Vice President andGeneral Manager Keith Aldridgehand-selected a single vendor to filleach wedding-need category andestablished a new vendor room at

Canterbury."We are very excited to move

forward with this new venture and provide a single location forcouples to visit our new chapel,

banquet facility and several wed-ding vendors," said Aldridge. "Weare building a network that providescouples with everything they needto plan their wedding, from flow-

Bliss Honeymoons joins Canterburys one-stop bridal shop

Michael and Kim Whittaker, owners of Bliss Hon-eymoons of S.E. Michigan, will join the One StopShop Bridal Network at Canterbury Village.

ers to the honeymoon. Most of all, thesevendors were hand-selected based on ourstringent requirements so couples can feelconfident with each member in our net-

work."Bliss Honey-

moons, whichrecently opened

in Clarkston, is one of several Bliss Hon-eymoons and Destination Weddingsdealerships across the country.

"We could not have been more hon-ored to be chosen for Canterbury's OneStop Shop Bridal Network," said Kim

Whittaker, owner of Bliss HoneymoonS.E. Michigan. "The new facility is a

lutely breathtaking and the network is tbest in class."

Unlike travel agents, she said, thebusiness of Bliss is honeymoons and tination weddings.

"We have been fortunate to see nificant growth in our business due tferrals and repeat business from newweds planning their anniversaries," Whittaker. "We have always believedcustomer service will make us succful, and that vision is becoming a real

www.onestopshopweddings.com


11/12

August 2010 -- Whats The Biz -- Lake Orion

BY CAROLYN CHEVRIERZero percent financing is starting to

make a return to car dealerships, but is itreally the best deal for you and your fam-ily?

Before you head off to the dealer andsign on the dotted line, heres a few thingsto keep in mind re-garding zero percentfinancing:

Few Models Of-fered- Review thedealers ad carefully.

You may find thatzero percent financing

is only offered on se-lect overstocked ve-hicles that you maynot want.

Your Loan TermIs Too Short- In manycases regarding zero

percent financing, the dealer sets the loanterm at 24 or 36 months.

By setting the term short, the monthlypayment will be considerably higher thanif the loan term was at 48 or 60 months.

Perfect Credit History is Required-This is one of the greatest myths aboutzero percent financing! Most consumercredit scores fall in between 750 to 680which is good by most standards.

To get zero percent financing you of-ten need a credit score over 800 and haveto have a strong repayment history as well.

Higher Price, No Negotiation- Since

Carolyn Chevrieris president ofLakes CommunityCredit Union.

No gimmick auto loans

at great rates

4

Mark YMark YMark YMark YMark Yourourourourour

CalendarsCalendarsCalendarsCalendarsCalendars3 Great Special SectionThat Will Be Sure To Increase Your Busine

4

Call Your Ad Representative Toda

For More Details

4

4

248-628-4801

Celebrate OxfordAugust 4

The Oxford Leader & Lake Orion Review

MetamoraCountry Days

August 25Metamora, Dryden & Hadley

Grid i ronAugust 28th - The Citizen

September 1st - The Lake Orion Review,The Oxford Leader & The Clarkston News

the dealer and the finance company arelosing the interest revenue, vehicles of-fered with the zero percent financing aregenerally priced higher than other vehicles.

Negotiating the price of the vehicle isoften not an option.

After examining the downside of 0 percent financing, what should you dowhen you go shopping for a car?

Take the Rebate and Save- If youare offered a rebate or zero percent fi-nancing, take the rebate - you may be ableto save thousands off the purchase priceof the vehicle.

Saving that much money enables you

to have a lower monthly payment and willlower the interest paid over the term ofthe loan.

Read the Fine Print - Many "special"deals have hidden extra fees or conditionsthat may end up costing you more moneythan you originally thought.

Get Pre-approved First - When youget pre-approved for a certain amount, itcan keep negotiations simple with the deal-ership and encourage you to stick to your

budgeted amount.At Lakes Community Credit Union,

we offer "no gimmick" loans at great rates.We are "community chartered",

which means if you live, work or wor-ship in Oakland County you qualify for

membership.Come in and discuss your car loanquestions with us, check out our greatrates and get pre-approved today.

I recently joined Rep. ThadMcCotter in cosponsoring H.R. 5141,the Small Business Paperwork MandateElimination Act, to repeal this provisionto the Internal Revenue Code before ittakes effect.

While it is unlikely that Speaker

Pelosi will reconsider the implicationsof the massive health overhaul, the elec-toral prospects for Republicans are look-ing brighter by the day and we are well-positioned to regain control of both theHouse and the Senate.

Repealing the 1099 requirement willbe a top priority under a new Republi-can-majority Congress.

Although it seems that Washington

is not listening, there are many of us whohear you loud and clear.

Small business owners and entrepreneurs are the backbone of oureconomy, providing millions of Ameri-can jobs and leading the way for futuredevelopment and innovation.

Each and every one of you plays a

critical role, and working together, wewill help put Michigan and the nationback on the road to prosperity.

Fred Upton represents Michigans6th District in the United States Houseof Representatives.

This column printed with approval from Congressman Uptons office. Itfirst appeared in the magazine, Focuson Small Business, July/August, 2010.

Upton: Repealing 1099 requirement top priorityContinued from page 4


12/12


Yes YOU!Talk to us aboutyour next loan!

orion biz aug 2010

Documents