BIZ. What s the. Rise and shine! Tim Horton s in. Horton s Oxfordisis seeing increase business! business!
|
|
- Reynold Freeman
- 8 years ago
- Views:
Transcription
1 BIZ What s The Biz -- July What s the July 2009 Vol. 4 #7 Oxford Area s Monthly Business News & Info Rise and and Rise shine! Tim Tim shine! Horton s in in Horton s Oxfordisis Oxford seeingan an seeing increasein in increase business! business! Jessy Whitney Candice Barb Victoria Sherman Publications, Inc. Wake up and smell the profit! Some businesses in Oxford are holding their breath, hoping things will get better. Not Tim Horton s in Oxford (590 N. Lapeer Road, by Meijer). According to store manager Victoria Anderson, business for the Oxford restaurant, nationally known for coffee and donuts, is up 38 percent! Ever since that big storm blew and knocked all the power out (at the end of April), we ve been hopping, Anderson said. Anderson s father, Dave, open the store in Dec. of They own Tim Horton s franchises in Orion, Lapeer and Davison, too. PRESORTED Standard U.S Postage PAID
2 2 What s The Biz -- July 2009 Can t wait to see you at Laura Lee s Salon By hair stylists at Laura Lee s Laura Lee s Salon, located in downtown Oxford for 11 years at 4 W. Burdick Street (behind Patterson Pharmacy) is bucking economic trends -- they are growing! Smiling faces, attention to detail and great service, is what owner Laura Lee Davisson attributes to the salon s success, and the reason she has expanded the number of hair stylists from four to six. All are full-service hair dressers, but they each have specialties, too. According to Davisson, a lifelong Oxford resident, new stylists are Lisa Coombe and Andrea Cochell. Andrea was formerly with Premier Hair Studio. She specializes in women s hair cuts. Lisa, an Oxford resident, is not only a hair dresser, but also a trained esthetician, and is offering $5 off facials by appointment. Mini-facials starting at $15, while full facials start at $30 Andrea Ballor was formerly at Paul s Barber Shop and specializes in clipper cuts. Chantel Bozied and Jim Pantello formally worked at Sabrina s Salon; they specialize in coloring and highlighting. Nichole has become a very popular local masseuse. She is now offering full body messages starting at $40 an hour (by appointment only). They welcome walk-ins, men, women and children of all ages. Laura Lee s offers excellent service in a comfortable, relaxed setting (at an affordable price). Look for monthly specials and free services in The Biz section of The Oxford Leader (delivered to homes the last Thursday of each month). You may reach your stylist directly at their number listed with their special. To reach Laura Lee, please call We look forward to meeting you and we would like to offer you a free gift with your service when you mention you saw us in The Biz! Thank you, Laura Lee Davisson and Staff. Look for staff specials in Laura Lee s ad, located below, left. From the left, front, Andrea C., Laura Lee, Chantel B., (back) Nichole W., Andrea B. and Lisa C. Laura Lee s Salon North Oakland Dental Group JULY SPECIALS LAURA LEE ANDREA BALLOR FREE Haircut FREE Haircut With Color Ser vice With Scalp Massage By Appointment Only Monday By Appointment Walk-ins Wed. 9-6 Sat CHANTEL BOZIED FREE Conditioning Tre atment ANDREA COCHELL FREE Haircut With Any Ser vice By Appointment Only with Highlight By Appointment Only Formerly From Premier Hair Studio NICHOLE WAWRZYNIAC LISA COOMBE $ 00 5 Off Massage 20% Off Any Service By Appointment Only With Jim $ 00 5 Off Facial Comfortable Family Care Warm Friendly Staff Cosmetic Dentistry Make Over Consultations Most Insurances Accepted I-69 Exit #155 DOWNTOWN OXFORD 830 S. Lapeer By Appointment Only W. Burdick Downtown Oxford At Home and In-Office ZOOM WHITENING Join Us In Our Newly Remodeled Office Today Quality Care In Our Community Since South Lapeer, Oxford Drahner Rd. LAKE ORION I-75 Exit 81
3 Classic Car Cruise in season is here By Don Sherman Summer is finally here and car enthusiasts everywhere are bringing out their classic and antique vehicles. Dust them off, tune them up and head to your favorite cruising event. Each year cruising has picked up in participation and popularity. Major events like the Woodward Dream Cruise* have grown by leaps and bounds. Starting with a small group of enthusiasts, this event has mushroomed into a major draw from around the country. Last year, while visiting with Cruisers sitting along Woodward in Royal Oak, Michigan, we ran into people from all over the United States. One couple we talked with came from Florida to get away from the heat and the wife planned this as an anniversary surprise for her husband. Most people who have followed this event usually say the same thing it s not as good as it used to be before all the corporate involvement. To the point the best spots are taken by large corporate vendors using the space to entertain or showcase their contribution to the motor world. My guess is this will be reduced this year by the automotive financial crisis with both Chrysler and GM recently filing for bankruptcy protection. This too shall pass. Some cruisers prefer a smaller less crowded (or commercialized) venue. Branching from the Woodward Cruise there has been an increase in the number of small local community cruise events. Cruisers love to gather in their community. Pull out the lawn chairs, grab your favorite soda and let s talk about REAL cars. I m talking about people who are passionate about their car and brand. You have your muscle cars, your kit cars, your refurbished cars, your restorations in progress, and the occasional oddball driving down the road. I actually saw the Oscar Mayer Wiener mobile at last year s Woodward Dream Cruise. With all that in mind... getting your treasured cruiser out on the road should also mark the time to look at the insurance coverage you have on your antique or classic car. State Farm has special coverage intended just for your special car. To qualify for this coverage, the car would need to be driven only on special occasions such as exhibitions, cruise events, club activities, car shows, parades or other events staged to showcase the vehicle. The policy is priced for limited use and is built around our Classic/Antique Valuation Form. This form relies on photos of the vehicle from front, rear, under the hood, and interior. The form also asks for comments on the condition of the body, engine, paint, glass, interior, Continued on page 9 KEEP YOUR RETIREMENT ON SOLID GROUND EVEN IF THINGS AT WORK ARE UP IN THE AIR. We can t take the stress out of worrying about work. We can, however, help put you back in control; especially when it comes to your retirement savings. We ll create an investment strategy to help ensure that a bump in the road doesn t upset all that you ve worked for. To make sense of your retirement savings alternatives, call today. Andrew Hunter Financial Advisor Member SIPC. 826 South Lapeer Road Suite A Oxford, MI Andrew Hunter Financial Advisor 826 S. Lapeer Rd., Suite A Oxford, MI (248) See me today and get the discounts and service you deserve. P /05 DISCOUNTS. Don Sherman Ins Ag Fin Svs Inc Don Sherman, President Oxford, MI Bus: Toll Free: 866-PLA-NMAN don.sherman.cvma@statefarm.com + = LIKE A GOOD NEIGHBOR, STATE FARM IS THERE. statefarm.com State Farm Mutual Automobile Insurance Company, State Farm Indemnity Company Bloomington, IL What s The Biz -- July We re still the land of (investment) opportunity Over the past several months, you may have become somewhat discouraged at the prospects of investing for your future. Every day, it seems, brings another piece of bad news: stock market volatility, a decline in manufacturing, housing prices in freefall, auto companies teetering on bankruptcy the list goes on and on. However, despite these distressing headlines, you are still living in a country that is home to the most powerful economic engines in recorded history and while Andrew Hunter of Edward Jones these engines may currently be stalling a bit, they still offer the power and the potential to successfully drive your investment vehicles. To get a sense of this size and strength, consider the following: If the world population of 6.7 billion people were represented by just 100 persons, only five of them would live in the United States but these five would have some pretty big economic clout. In fact, they would own 34 percent of the world s equity market capitalization and 25 percent of the gross world product, according to Bloomberg News. Furthermore, these five people would be responsible for technological breakthroughs that resulted in electric lights, telephones, airplanes, television, computers, the Internet and much more. And they would produce the world s largest supply of electrical energy and sit on land that contained nearly half the free world s known coal reserves, according to the Energy Information Administration. For good measure, they would account for 37 percent of all Nobel Prize winners, according to the Nobel Prize Foundation. Taken together, these and other factors reveal a robust supply of natural resources, intellectual capacity and Continued on page 10
4 4 What s The Biz -- July 2009 Good Eats WTB s Out For Lunch Sit Down Dining American Legion Post E. Drahner Rd. Oxford, Big Boy - Oxford 955 S. Lapeer Rd., Oxford, Ken s Coney Island 212 S. Washington St. Oxford, Lakeville Inn 1318 Rochester Rd. Lakeville, Louie s Food & Spirit 600 Lakeville Rd., Lakeville, (The) Nugget 1055 S. Lapeer Rd Oxford, Oxford Hills Golf Club (Seasonal) 300 E. Drahner Rd. Oxford, Oxford Tap 5 S. Washington St. Oxford, th Street 2 N. Washington St., Oxford, Rob s Place 13 S. Washington St Oxford, Tami s Grill 1386 S. Lapeer Rd. Oxford, Victoria s Delights 12 S. Washington St. Oxford, Ethnic Casa Real (Mexican) 21 S. Washington St., Oxford, Golden Dragon (Chinese) 32 S. Washington St., Oxford, Italia Gardens (Italian) 1076 S. Lapeer Rd., Oxford, Thai Cuisine (Thai) 180 S. Washington St. Oxford, Coney Joint Country Coney 1040 S. Lapeer Rd., Oxford, Pizza Place Cottage Inn Pizza 51 S. Washington St. Oxford, Fatty s Pizza 40 N. Washington St. Oxford, Guido s Premium Pizza 1396 S. Lapeer Rd., Oxford, Isola s Pizzeria & Restaurant 80 N. Rochester Rd. Addison Twp., Jet s Pizza 204 S. Washington St. Oxford, Little Caesar s Pizza 89 W. Burdick St., Oxford, Fast Food Burger King 583 S. Lapeer Rd. Oxford, Dairy Queen Oxford, McDonald s 280 N. Washington St. Oxford, Subway Sandwiches 95 W. Burdick St. Oxford, Uncle Boomba s Mr. Pita/ Dairy Queen 1010 S. Lapeer Rd., Oxford, Restaurant managers -- call us if you would like to have a menu item featured! Sizzling summer favorites at Casa Real It s been three and a half years since Casa Real Authentic Restaurant and Cantia opened its doors in Oxford -- and well, business is booming. I just love the people -- not just the people from Oxford, but also our customers who come from the surrounding communities like Lake Orion and Lakeville, owner Alberto Pimentel said. Known widely for fun evening gettogethers, salsa dancing, djs and mariachi bands, Casa Real is also a great place for lunch. Lunch prices range from $5.99 to $ Each meal starts with complimentary chips and homemade salsa (lip-smacking good with a touch of cilantro and crisp onions). Chips and salsa are made daily at the restaurant. The salsa is mild, but can be kicked up a notch or two in hotness habbenaro sauces located on each table. Popular among the lunch crowd are the burritos and enchilada. Beef or chicken burritos are served with rice, topped with lettuce and tomato. (A super burrito has everything rolled together -- yum). Another popular lunch selection is the super nacho -- chicken on half, beef on the other, covered with lettuce, and special cheese sauce... under $10 and feeds three to four people. The top-selling meal is the $16.99 El Molcajete. Alberto smiles when he describes the meal, big enough for three people. It comes with grilled shrimp, diced rib-eye, cooked with mushrooms, bell Excuse me for a moment while I brag on my family. My mother was an excellent cook. She instilled in all of her five daughters a love of eating good food and a joy of cooking for those they love. My family is now spread all over the U.S., from Maine to Oklahoma and from Florida to Popular lunch favorites at Casa Real Authentic Mexican Restaurant -- from the left: Alonso with a burrito, Alejandra with free chips and Ramiro with fijita fixings. peppers and onions and cheese and ranchera sauce, he said. The El Malcajete is served in lava bowl with tortillas. Everything here -- even the margaritas -- are made fresh. It is very authentic. The food is great. I eat it myself, Alberto boasts. Aside from the good food (and plenty of it), relaxing (and clean) atmosphere what also keeps customers coming back, is the wait staff. Many of the staff has worked at Casa Real since the beginning. There isn t much turnover. There is very strong teamwork here, Alberto said. Customers know our staff Mango Salsa Oregon and I get to Mary Forte visit them all. At some point during the visit, each family member will make their favorite dish. The last time I was in Tulsa, my niece Julie made me her Key Lime Pie. On my last trip to Orlando, my niece Mary made me her Roasted Vegetable Salad. When I last visited my niece Sara in Portland, she taught me how to make Sushi, Risotto and Vegetarian Stuffed Grape Leaves. I have just returned from spending a week with my niece, Jean, her husband, Jeff and their 11-month-old son, Nathan. We were staying at their beach house on Kure (curry) Beach, N.C. While there, my niece made the most delicious and our staff knows our customers. Alberto said staff wait staff receives two weeks training before they are on their own. They learn the basics of taking orders, food delivery, cleaning tables to bar-tending. The smiles are genuine. Oxford has been great. Very nice. Very friendly, he said. Casa Real is located at 21 S. Washington Street in downtown Oxford. There is plenty of parking near Centennial Park. Their phone is Check their website for lots of color photos of events and special offers, Mango Salsa that she served with Grilled Cilantro Lime Chicken Breasts. This month, celebrate the joy of family by making this recipe. Mango Salsa 1 large ripe mango; peeled, seeded, diced l large ripe tomato; seeded, diced l large cucumber; peeled, seeded, diced l jalapeño; seeded, minced ¼ cup minced red onion 4 Tablespoons minced fresh cilantro Continued on page 9
5 What s The Biz -- July Jessica guides a patient with her paperwork. Oxford Urgent Care provides families with flexible hours for medical care By Wendi Reardon Oxford Urgent Care has provided the community with quick and flexible care since they opened their doors at the beginning of June. Oxford Urgent Care treats patients for common illnesses such as sore throat, fever, cold and flu. They also care for falls, sprains, and fractures, along with treating for any pain the patient may feel but cannot wait until they can see their physician. When you go to your primary care physician, you have to make an appointment that could take weeks or months to get in, said Nadda Kaddou. With this, you walk in and out. In the facility they have digital x-rays, they can do lab tests and have a procedure room for minor wounds. We had a girl that stuck a small pearl in her ear, Kaddou described a visit from a Oxford resident. Her mom didn t want to go the ER. The doctor went in there with a special tool and got the pearl out and the nurse helped him. The mom was so happy. He treated her with antibiotics because her ear was inflamed. Throughout each shift a doctor, a nurse and a receptionist is on staff to help any walk-in patients. They will treat them in a timely manner and give them the care they need. All doctors on staff practice internal or family medicine. One of the full-time doctors is Dr. Cindy Hung, M.D., a family doctor affiliated with Crittenton Hospital. We are here for the community and to serve the community after hours, said Kaddou. We give them treatment so they Continued on page 9 Now Open! Oxford Urgent Care 72 S. Washington St., Ste 102, Oxford, MI (Crittenton Medical Plaza) NO APPOINTMENT NECESSARY OPEN 10 AM-10 PM 7 DAYS Sports Injuries Minor Emergencies Digital X-Ray Flu Shots EKG Lab Tests Work, School & Sports Physicals Common Illnesses greatlakesurgentcare.com ELLA FASHION Accessories Clothing Fashion Jewelry Shoes Now At Ella s GALVANIC SPA SYSTEM Erase wrinkles in 15 minutes... it tightens and firms your skin. Seeing Is Believing!!! Call today to schedule your personal appointment $10 Off Your First Visit 24 S. Washington Downtown Oxford Most Insurances Accepted Come and Enjoy A Taste Of Brazil Strolling Models, Food, Fashion and Drinks An Enjoyable Afternoon For All! Sunday, June 28 th 2-5 pm Home Spa Parties Available Left, Jude Cunningham and Lisi DeCampos, founder of Ella s Fashions. Galvanic Spa now at Ella s! By Jude Cunningham and Lisi DeCampos If you were unable to attend the last Fashion show at Ella s, you have another chance on Sunday, June 28, from 2-5 pm. It will be another fun afternoon of Brazilian food, drinks, and fashion. There will also be an opportunity to check out the fantastic Galvanic Spa and the incredible benefits it can provide. Ones that have tried it, including the models from the last fashion show, have all been extremely excited, at the results they instantly experienced, with their skin. Your skin will look and feel clean from the inside out. It not only cleans the skin, but tones and firms, resulting in smoother skin, with many less wrinkles. This process will remove redness, dull, spotty skin and revitalize it into a smooth and clearer texture. It instantly removes impurities and gives you that youthful look we are all looking for. You must come and experience the results for yourself! I invite you to come and experience the difference! The benefits are for both men and women. * * * Ella Fashion, Inc. wants to help you find the perfect outfit for this summer. We are specialized in Brazilian fashion, which fosters the most exotic fashion. Here you can find the perfect outfit which expresses your unique personality because Ella Fashion embraces our diverse shopping clientele. That why our motto is Divas do not shop at the mall!! Affordable clothes, jewelry, shoes and accessories that fit your budget which ranges between $20 to $100. Also discount applies when you attend monthly fashion shows. So come in and enjoy the party.
6 6 What s The Biz -- July 2009 For All Your Family Pharmacy Needs PATTERSON PRESCRIPTION PHARMACY 1 S. Washington St. Oxford Fax Tim Davidson, R.Ph. General Insurance Insurance Protection for your BUSINESS HOME AUTO Immediate Coverage Friendly, Personalized Service Serving The Orion/Oxford Area For 56 Years 1097 South Lapeer Road Oxford Pineview Manor 2888 Baldwin Rd. ASSISTED LIVING Make Our House Your Home Janet K. Mazzetti Executive Director Lake Orion Silverbell Manor 1241 E. Silverbell Rd. Orion Manor 1814 S. Lapeer Rd Fax This space only $ Call For Details MORTGAGES & REFINANCES JUDE CUNNINGHAM 104 S. Washington Oxford HEALTHY SMILE CENTER Personalized Gentle Care For The Entire Family New Modern Office With State-of-the-Art Equipment 9 N. Washington (M-24 - Lapeer Rd.) Oxford VICKI LUBELAN Owner/Operator Creative Martha Vega-Crist, DDS (248) EMBROIDERY Computerized Embroidery and Monogramming Underwater With Your Mortgage? I can throw you a lifeline. Call me for details on this new program! Custom Designs Teams Schools Business Tees Hats Jackets Shirts 10 E. Burdick St. Oxford, Michigan YOUR BIZ WOR Pump Up Your Work Force with the old one-two punch using an Oxford Leader* Help Wanted Ad One punch... Reach into every home and business address in NE Oakland County.... in print If the right one don t get em, the left one will! Two punch... Take advantage of 2,300 visitors to our website on-line Business Owners...Did You Know That Not Only Does Sherman Publications, Inc. Publish Award-Winning Newspapers we also offer QUALITY PRINTING SERVICES Flyers Brochures Menus Envelopes Business Forms Business Cards and More Standard White Vellum BUSINESS CARDS Starting at $ for 500 or $ for 1,000 Plus Tax & Shipping The Call or Stop In Oxford Leader 666 S. Lapeer Rd. Oxford *Sherman Publications, Inc. publishes Oxford Leader Lake Orion Review Clarkston News and Penny Stretcher The Citizen It s easy! 10 words, 1 week, $ 9 00 (50 each additional word) For more information call or visit us on-line at
7 What s The Biz -- July ORLD n high-resolution photos (200 dpi jpeg images or better) from your business event to Biz@oxfordleader.com. Heck, if it s good enough we ll even make it the cover shot! Essential Touch lets you unwind, relax By Wendi Reardon The stress of daily life can take a toll on the body, Melody Bellehumeur invites you to unwind and relax at Essential Touch Massage and Body Work. Bellehumeur offers a selection of massages her clients can chose from depending on their preference. She offers Swedish massage, deep tissue massage, hot stone massage, reflexology and aromatherapy. She stands out with her clients because she focuses on particular areas depending on what they need and how much time they have. A lot of people come in and say, I want a Swedish massage, but I have a problem in my neck or in my leg, she explained. I will focus or do a little extra in that area. I do customize for everybody. I make sure it s what they need and what they want. A lot of places I have been to it is the same thing for every client. I find that very impersonal. If a client has limited time, she will offer them reflexology and pinpoint the nerve endings in the hand and feet that are attached to different parts of the body. For example, fingertips and toes are for sinuses, certain areas are for liver, gallbladder and stomach, she said. It works from the inside out. Plus, it s a 15 minutes service. Bellehumeur also knows money is tough on everyone and offers specials every month. Every new client receives half off of their first massage. Bellehumeur isn t a stranger to the area. She rented space at The Sacred Loft Massage. When the owner left, she decided she would stay in the space and start her own business. I have met a lot of good clients here, she explained. I feel more comfortable. I worked in other areas before that This sort of just fell into my lap and sounded like a great opportunity. I started getting out into the community and found in general this is a great community. Not only would it be good for business but personal relationships, too. I like to be in a community where I fit in. She also moved to the area about a year ago and enjoys clients giving her pointers on places to go and to try. Bellehumeur graduated from Irene s Myomassology Institute in Southfield in It was great. I loved everything about it. Not only did I learn massages but anatomy, physiology. It s so extensive. It s borderline away from nursing school because you learn so much. Appointments are available seven days a week. Available days and times can be found online at or by calling Walk-in appointments are accepted based on availability but not guaranteed. For more information or question, call Bellehumeur at Melody Bellehumeur gives Sharon Lang a Swedish massage. New menu item Ground breaking Officials from Oxford police and fire department, along with the Oxford Area Chamber of Commerce were on hand for Goddard School ground-breaking ceremonies, just north of town on the west side of M-24. Peter and Michelle Stuhlreyer, from the school are actually manning the shovel. The school is scheduled for opening this fall. For more information call Guido s Premium Pizza located in the Oxford Mills Shopping center has served award-winning pizza to Oxford and Lake Orion residents since 1993, but it is their most recent menu item that is creating a buzz around town. This year, Guido s added Stromboli to their menu. The Stromboli starts with homemade dough and is wrapped with a layer of Ham, Salami Pepperoni and Provolone cheese. It s then baked to a golden brown and lightly brushed with butter, parmesan cheese, a dash of oregano and served with your choice of sauce (Original, Chunky Tomato or Spicy). This has been a real hit says Shawn McGuire founder of Guido s. One thing that makes our Stromboli different is that it comes precut and is very easy to eat especially for lunch. It is also great for someone looking for something other than the usual sub sandwich and Guido s will deliver it to your work or home. Guido s opens daily for pickup or delivery orders at 10am so stop by and try a Stromboli or get it delivered. For a complete menu, catering menu, franchise information, employment or current events visit Guido s online at or call Guido s in Oxford at
8 8 What s The Biz -- July 2009 Rochester attorney gives back to community Stephanie Krane-Boehmer grew up in Oakland Township and always knew she wanted to give back to the community. Graduating from Rochester Adams High School, Krane-Boehmer now lives in Rochester Hills. In 2008, she opened a law firm in Rochester Hills and has been pleased to offer the community her experience in bankruptcy, family law/custody services, and estate planning. Krane-Boehmer was a paralegal for nine years prior to becoming a lawyer and understands the importance of caring for each client and meeting their needs. Clients want, and deserve, to be treated as though their case is the only case in my office, said Krane-Boehmer. When I became a lawyer, I wanted to offer the highest quality of service to my clients, as well as potential clients. Seeing a need for quality legal assistance in the area, Krane-Boehmer opened her practice to offer the community the expertise and commitment to her clients. Having a smaller office, she knows each Trust A Professional Cell Office SHOOLTZ REALTY 110 S. Washington St., Oxford Attorney Stephanie Krane- Boehmer client by name and works to sympathize with each client s situation and needs. In today s economy, many clients are facing bankruptcy, as well as aging parents, and it is essential to work with a lawyer who understands the laws and guidelines. It is Krane-Boehmer s mission to achieve the most beneficial resolution for each client. Having worked in a collection agency for seven years, she also works with clients to resolve financial issues through debt management and can often find a solution that does not involve bankruptcy. To effectuate the appropriate resolution, I understand that zealous, yet compassionate, representation is necessary, she said. Legal issues can generate significant emotional obstacles, and I embrace the opportunity to be more than just an advocate; I embrace my role as counselor. The Law Office of Stephanie Krane- Boehmer is located at 2951 S. Adams Road. For more information or to schedule a consultation, call or visit michiganbankruptcyanddivorcelawyer.com. They are a debt relief agency. They help people file for bankruptcy under the bankruptcy code. A Full Time Agent Always Available To You Over 100 Million In Real Estate Experience! CHAD TOTH Associate Broker/Partner Foreclosure Specialist First-Time Home Buyer Programs Home of the Handyman for Life! Cultivating customer loyalty By Vicky Winkler In tough economic times, cultivating customer loyalty can be a cost-effective, key component of your marketing strategy. There are a lot of affordable things you can implement to help increase your business with those you have already won over. It costs less to get an existing client back in the door than a new client into your door for the first time. Here are some things to consider: 1. Make sure customers know you appreciate that they have called or visited. I love Vicky Winkler, owner of The Marketing Shop, Oxford. the philosophy of Dan Garr from Health Quest Physical Therapy, of treating every client who walks in the door like they just arrived at Cheers! Every time someone walks in or calls, be enthusiastic! 2. Incorporate special gestures for loyal customers. Your loyal customers deserve special consideration maybe waiving a small fee here and there; adding a little extra something in the bag; making sure they are 100% satisfied even if it means losing a little on a current project or purchase. 3. Utilize VIP cards. Successful VIP cards make a customer feel special, and increase sales from that customer. Some ideas: punch cards that get customers a discount or something free after so many punches for return visits; cards that get customers a free gift of the month when they come in and show the card; cards that can be redeemed for special offers each month. Remember, we can print 1,000 fullcolor cards for $55, so it s affordable! 4. Incorporate incentives for customers that refer you to others. Here s another idea that can be accomplished for 1,000 cards for $55! Referral cards that you give to your loyal customers to pass along to others the card has a place for their name, so when the new customer comes in with the card THEY get some special gift, discount, etc., AND the loyal customer that referred Continued on page 9 Take Control and Get A Fresh Start! CONSIDERING BANKRUPTCY? Trustworthy Experienced Understanding Deciding to file bankruptcy isn t easy. However, it is designed to provide financial relief to honest people who need to start over. STOP! Foreclosures STOP! Repossessions STOP! Garnishments STOP! Creditor Harassment ELIMINATE Your Debts! Serving the community in the areas of Bankruptcy, Family Law and Estate Planning Free Consultation Evening Appointments Payment Plans Available LAW OFFICE OF STEPHANIE KRANE-BOEHMER P.L.L.C S. ADAMS RD. ROCHESTER HILLS We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code.
9 Mortgage guilt factor By Jim Porritt, Jr. Some years ago a couple determined that with available credit, a good job, and rising real estate values, that they should invest in the purchase of a family home. Their purchase generated a mortgage transaction. Another couple anxious to find a secure investment for their retirement elected to invest in a mortgage pool instead of the stock market. As it happens, that investment pool now holds the same mortgage generated by our first couple. Both made investment decisions based on the Attorney James R. Porritt, Jr. available economic information. Things changed. The first couple s income has been drastically reduced. They are making their payments on the mortgage only by depleting their savings and ruining their credit. They are of the old school that honors their promises and pays their bills. The family house they bought is now upside down, but still they ravage their financial condition because, to do otherwise would be shameful and embarrassing. In truth both couples have invested in a real estate market which has suddenly entered into an unprecedented Cultivating customer loyalty Continued from page 8 does as well. 5. Send birthday cards with a reason to come back. Send birthday cards to keep your business top-of-mind with your customers, and include a reason to come back (discount, gift, consultation, etc.). One caution is to be careful to not get too carried away and offer discounts all the time. You do not want customers to ONLY come in if they have a coupon or get a free gift. But, utilizing some of the ideas above can be cost-effective ways to increase customer loyalty and keep them coming back! Vicky Winkler, President of The Marketing Shop, can be reached at or at vicky@themarketingshoponline.com. fantasy. Just as the stock market investors discovered, our two couples are caught in that spiral through no fault of their own. There is nothing wrong with the first couple approaching those who hold their mortgage to work out an arrangement. Yet, as an attorney I am repeatedly meeting with couples who have waited until they are completely desperate before seeking assistance. Their mortgage servicer has not afforded them any relief and, frankly, will not so long as they are current on their payments. The pride they have taken in honoring their promises and paying their bills is laudable. Not recognizing that they and those who hold their mortgage are in the same boat and need to work out a means of keeping it afloat is just foolish. Ask for help. Look for more on this subject with Jim and Jake Porritt in an upcoming article in the Oxford Leader. If you have questions for Jim, give him a call at his Lake Orion office, James R. Porritt, Jr. ATTORNEY 30 Years Real Estate Experience Licensed Broker Chairperson of County Bar R.E. Comm Member American & State Bar R.E. Sections SIMPLE WILLS 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. 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% (Land contracts, private mortgages, lease with option) Continued from page 5 can make it until they see their regular physician. They will fax their medical records to the patient s doctor after they come in. They still have to follow up with their physician and if they are not feeling well we will see them again without an appointment, said Kaddou. Patients can also come in for work and sport related injuries, physicals for work and school. They can receive their shots or flu vaccine and come in for asthma or allergy relief. They are currently offering school physicals for $20. Continued from page 4 2 Tablespoons fresh lime juice Chill for 1 hour or overnight. Made-To-Order Use papaya instead of mango. Substitute basil for the cilantro. Replace the lime juice with lemon 436 S. Broadway (M-24), Suite C Lake Orion Free Initial Consultation Avoiding Probate does not justify the cost or inconvenience of setting up a Living Trust and maintaining it for the rest of your life. Michigan s unsupervised probate procedure is inexpensive, uses preprinted forms, avoids formal accountings, court appearances, or approval of asset disposition. Short Sales Procedures & Negotiations If You Must Sell Your Home And Cannot Without A Reduction In Your Mortgage Balance, Call For An Appointment. What s The Biz -- July Oxford Urgent Care provides families with flexible hours for medical care Mary Forte s Mango Salsa recipe Oxford Urgent Care accepts all insurances. Oxford Urgent Care is located at 72 S. Washington St. in Crittenton Medical Plaza. They are open every day of the week from 10 a.m.-10 p.m. No appointments are needed. They are open during all holidays, except Christmas, from 10 a.m.-4 p.m. For more info, call or visit their website, Oxford Urgent Care is part of Great Lakes Urgent Care, serving south Michigan since juice. Serve with grilled chicken, pork or seafood. Serve as a salad by adding cooked shrimp and serving on a bed of mixed greens. Mary Forte is an Oxford Village resident. Classic Car Cruise in season is here Continued from page 3 and tires based on a visual inspection. The applicant and State Farm research and establish value of the vehicle. Once the application has been submitted and approved by the underwriter, we have an agreement between you and the insurance company on the value of the car. This agreement sets the value of the car. The agreement provides you with peace of mind by establishing the basis for settling your claim if a covered cause of loss should happen to destroy your prized possession. Since values and conditions of Classic/Antiques can change over time (i.e. deterioration, damage, abuse, neglect or improves with additional restoration, equipment or parts added, special paint) it a good practice to review the valuation from time to time. You can contact me or any State Farm Agent for more information about our Classic Car coverage. *Woodward Dream Cruise is a registered trademark of Woodward Dream Cruise. State Farm is not affiliated with the Woodward Dream Cruise. Don Sherman is President of Don Sherman Insurance Agency and Financial Services Inc., in Oxford. For more info, call ; or visit
10 10 What s The Biz -- July 2009 Is your advisor proactive? Presented by Loran S. Coffman CPhD, RFC The memory is indelible: in the last two quarters of 2008, investors with shortto mid-range time horizons cringed as their portfolios lost 20%, 30%, even 40% of value. This bear market was not only a test of investors it was also a test of financial advisors. Did your advisor respond to the Loran Coffman, CPhD, RFC is a Representative with H. Beck, Inc changing environment? When the market corrects, a good financial advisor stays on top of things. As things turned bearish in fall 2008, many portfolios went the way of the market, with numerous investors moving to the Building and Preserving Family Wealth Through Investment and Estate Planning Strategies Investment Planning (Stocks, Bonds, Mutual Funds, CD s, Annuities) Retirement Planning (IRA, 401K, TSA) Estate Planning (Wills, Trusts, Etc.) Loran S. Coffman, CPhD, RFC Life Insurance Your IRA Specialist money market for cover. Yet other investors found themselves making money during the downturn. Was it luck? Or simply the right strategy? Some market conditions demand a change. In late 2008, was your advisor sharp enough to meet with you and alter your financial strategy to one appropriate to the bear market? Did he or she offer you an approach that could exploit opportunities in that market with your goals in mind? An astute advisor recognizes that being proactive in a changing market can potentially change the client outcome for the better. The market is dynamic. More bull and bear markets will follow. What do you think your current financial advisor will do next time? Sit back and relax when conditions improve? Mysteriously 189 W. Clarkston Road, Building A Lake Orion (248) info@wpsinvestments.com Securities Offered Through H. Beck, Inc. Member FINRA, SIPC Advisory Services Offered Through M.R. Spencer Advisory Services, LLC WPS-Investments, Inc. Is Unaffiliated With H. Beck. Inc. Here s hoping your financial consultant has kept up with the times ignore you when the markets slump? The nonprofit National Bureau of Economic Research (NBER) has recorded five recessions since 1980 and three since If you are investing by a 20-year or 30-year financial plan, you may ride through a handful of recessions over the next two or three decades if history is any guide. If recessions and bear markets rear their heads, will your investment strategy be updated? What is the risk of having it set in stone? Today, anyone frustrated with current portfolio values has reason to consider a new financial advisor. If you feel that inattention and misdirection characterize your relationship with your current advisor, perhaps it is time for a change. You are not forbidden from changing advisors. You may look back one day and realize that the change helped your portfolio. Loran S. Coffman is the founder of Wealth Preservation Strategies, LLC and may be reached on the web at by phone , or by advisor@wpsinvestments.com. See The Science of Financial Health, Coffman s exclusive weekly financial column on the web every Wednesday at These views are those of the author and should not be construed as investment, tax or legal advice. Past performance is no guarantee of future results. All information is believed to be from reliable sources; however we make no representation as to its completeness or accuracy. Please consult your Investment, Tax and/or Legal Advisor for further information and advice about application to your specific circumstances. Presented by Loran S. Coffman & authored by Peter Montoya, Incorporated. Securities offered through H. Beck, Inc. Member FINRA, SIPC. Investment advisory services offered through M.R.Spencer Advisory Services, LLC. WPS-Investments, Inc., M.R. Spencer Advisory Services, LLC and Peter Montoya, Incorporated are unaffiliated with H. Beck, Inc. Branch address of WPS is 189 W. Clarkston Rd., Bldg. A, Lake Orion, MI Citations. 1 nber.org/cycles.html [5/20/09] We re still the land of (investment) opportunity Continued from page 3 entrepreneurial spirit and these assets don t melt away in any bear market. Instead, they point to the long-term expansion of our economy. And who owns the bulk of these corporations? More than 90 million American shareholders and more often than not, their patience, discipline and confidence has been rewarded in the long term. What new investment opportunities lie just around the corner? Some await our focus on green energy. Others anticipate the reinvestment in our infrastructure, a key element of the Obama administration s economic stimulus plans. These areas may be promising, but they won t tell the whole story of the future of investing because those chapters have yet to be written. In the meantime, what should you do? Stick with these tried-and-true strategies: Look for quality. Seek out quality companies those with long track records of profitability, strong management teams and competitive products. Think long term. We re likely to continue seeing volatility in the markets, though perhaps not to the extremes of the past year. You ll need to look past these short-term price movements and commit yourself to investing for the long-term. Over time, quality investments usually pay off. Maintain adequate liquidity. If you have a short-term goal such as paying for college in two or three years set aside an appropriate amount of money in liquid investments that are likely to preserve your principal. Stay invested. Don t take a time out from investing. The biggest rallies usually occur early in a bull market, and if you re on the sidelines, you ll miss out on these growth opportunities. America s future is still bright, and yours can be, too by investing wisely and patiently and by focusing today on your goals for tomorrow. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor
11 Scholarships & teacher grants awarded Four high school seniors were awarded scholarships and six teachers were awarded grants for their classroom use in June by Lakes Community Credit Union! To be eligible, candidates submitted applications and essays to Lakes Community Credit Union s supervisory committee before the spring deadline. Each potential scholarship and grant applicant s information was reviewed and the winners were selected based upon Carolyn Chevier is president of Lakes Community Credit Union. the information that was provided. Lakes Community C.U. awards scholarships and grants every year to candidates that live, work or worship in Oakland County. You are not required to be a member of Lakes to qualify for an award. Lakes C.U. recognizes the importance of education. We also offer Teen financial workshops to help our students understand the financial products that are available in the marketplace and give them the tools to help them make decisions that will help them avoid some of the potential problems that can occur if they take their credit cards to their limit, miss payments on loans, etc. We offer these classes at our Lake Orion branch and also have presented to local schools! We have many students that are members here at Lakes. As they prepare for college, we help them establish checking accounts and educate them on the use of the debit cards associated with their accounts. Many students come to us for their first car loan and, if they qualify, they can start establishing credit histories for themselves which can help them qualify for other loans in the future, including their first mortgage! Lakes Community Credit Union is not a financial giant with branches everywhere you look, yet we offer many of the same financial products - with a friendly and caring staff! You are more than just another member at Lakes with branches in Lake Orion and Waterford, come in and check out the difference for yourself! See our ad on this page. Fire Meth Water Mold Biohazard Crime Scene Clean-up Methamphetamine Remediation EnvironmentalSolutions Hazardous Waste Management Chemical Spill Response Fire Damage Restoration Smoke Damage Restoration Mold Remediation Water Damage Restoration 24 Hour Response COLLEGE BOUND? Lakes Community Credit Union can help you get your financial accounts established Debit Cards 1st Car Loans NO FEE Checking Accounts Stop in and we ll educate you on the services you qualify for so you can make the best decision! 350 N. Park Blvd. (Lapeer Rd.) Lake Orion Investing In Our Youth We awarded 4 Scholarships and 6 Teacher Grants. See Our Article For Details What s The Biz -- July Managing spills at work, home or crime scene By Andrea Ballor Bio-Tec Environmental Solutions was established in March, We are a nationwide company with over 500 representatives in the United States. Our company provides efficient, detailed and courteous services to: homeowners, landlords, law enforcement officials, hotels, commercial properties, and public service agencies and anyone that may need Andrea Ballor of Bio-Tec Environmental Solutions our services. Bio-Tec has professionally trained technicians that provide a multitude of services such as: crime scene clean-up, trash house clean out, fire, water, mold and methamphetamine remediation and restoration; also our state of the art disease control and prevention process. In most cases the insurance company pays for the service. The disease control and prevention process we provide is a very popular service. We offer this to anyone wanting a safer place to live, work, study, workout, or just hang out. This is a fogging process done by our techs. That allows us to decontaminate any facility and its contents in no time. It's safe for people, pets, fabrics, surfaces, and food preparation surfaces. It kills bacteria, viruses, bloodborne pathogens, mold, fungi, bugs with exoskeletons, such as lice, bedbugs and dust mites. When dry, it leaves an invisible barrier on surfaces offering continued protection. Maybe you know of a place you'd like to see seriously disinfected, some place you go, maybe your office or home, your gym, or your child's daycare, your church or school, your favorite restaurant or even your doctor's office, wherever. We can do it in a time and cost effective manor. This product is biodegradable and environmentally friendly. For more info call
12 12 What s The Biz -- July 2009 I joined! Your friends & family can too Oxford Branch Orion Branch locations in Southeast Michigan Where you come first.
Life After Bankruptcy. By Jason Amerine
Life After Bankruptcy By Jason Amerine Bankruptcy: A Fresh Start for You Every day I have clients ask me about what life might be like after bankruptcy, and perhaps you re feeling that way, too. Sure,
More informationHow Thompson Financial Consulting Ltd aim to help you. Your financial needs and requirements are at the heart of what we do
About us How Thompson Financial Consulting Ltd aim to help you Thompson Financial Consulting Ltd may be able help you or your company get to grips with your finances so you can create and protect your
More informationONE DOLLAR AND EIGHTY-SEVEN CENTS.
T h e G i f t o f t h e M a g i p T h e G i f t o f t h e M a g i ONE DOLLAR AND EIGHTY-SEVEN CENTS. That was all. She had put it aside, one cent and then another and then another, in her careful buying
More informationIncome For Life Introduction
Income For Life Introduction If you are like most Americans, you ve worked hard your entire life to create a standard of living for yourself that you wish to maintain for years to come. You have probably
More informationWhat is Text Message Marketing?
What is Text Message Marketing? SMS (Short Message Service) Text Message Marketing is the ability to send permission-based text messages to a group of people who have opted-in to your mobile list. The
More informationHow to Sell Your Property Fast and For Top Dollar!
SPECIAL REPORT How to Sell Your Property Fast and For Top Dollar! A Guide for Home Sellers to Help Attract An Unlimited Number of Buyers for Your Property This publication is designed to provide accurate
More informationProspecting Scripts. 2 keys to success in Real Estate
Prospecting Scripts 2 keys to success in Real Estate 1. TALK TO PEOPLE 2. ASK THE RIGHT QUESTIONS 1. Door-knocking or cold calling properties around a new listing (inviting them to a property preview)
More informationWE WILL BUY YOUR HOUSE FAST!
Who Are We? Homes Re-Imagined is a full service professional real estate solutions company located in the Northern Virginia area. Founded in 2014 as a family enterprise by John P. Bradford and Dorann Bradford,
More informationBUYING A HOME A few things you should know. If you are a first time home buyer, you should read this. It will give you a few hints
BUYING A HOME A few things you should know If you are a first time home buyer, you should read this. It will give you a few hints about the ins and outs of purchasing a home. If you have already owned
More informationConnectedness and the Emotional Bank Account
Connectedness and the Emotional Bank Account Directions This is a self-guided activity that can be completed by parents, teens or both. It contains five parts and should take about 45 minutes to complete.
More informationQuestions to Ask Yourself When Buying a New Home
Questions to Ask Yourself When Buying a New Home When I start visiting homes, what should I be looking for the first time through? The house you ultimately choose to call home will play a major role in
More informationS OAPY MOVED RESTLESSLY ON HIS SEAT
T h e C o p a n d t h e A n t h e m p The Cop and the Anthem S OAPY MOVED RESTLESSLY ON HIS SEAT in Madison Square. There are certain signs to show that winter is coming. Birds begin to fly south. Women
More informationDirect Selling Marketing Secrets
Direct Selling Marketing Secrets By Darnyelle A. Jervey Incredible Factor Business Coach and Marketing Mentor info@incredibleoneenterprises.com 1 P age Table of Contents Welcome 3 Why Marketing?...5 15
More informationYour Retirement Lifestyle Workbook
Your Retirement Lifestyle Workbook Purpose of This Workbook This workbook is designed to help you collect and organize the information needed to develop your Retirement Lifestyle Plan, and will include
More informationTOURNAMENT PACKAGE WWW.SPRINGBANKLINKS.COM 403-202-2000
2014 TOURNAMENT 2016 PACKAGE WWW.SPRINGBANKLINKS.COM 403-202-2000 Dear Event Organizer, Thank you for considering Springbank to host your 2016 golf tournament. From the moment you walk up to the clubhouse
More informationApartment Tool Kit How to Get People to Your Seminars. Copyright 2007-Karen Deis
Apartment Tool Kit How to Get People to Your Seminars. Copyright 2007-Karen Deis Welcome to the apartment tool kit website and an interview on how to give an awesome 1 st time home buyer seminar and get
More informationA MESSAGE FROM THE CHAIRMAN NEWSLETTER
A MESSAGE FROM THE CHAIRMAN In 1936, being a member of a credit union really meant something. It meant you had a voice in your financial institution. It meant that you were a part of a community. It meant
More informationReversing OutMigration Michelle Rathman Batschke Impact! Communications
Energy, Momentum, Motion Changing Community Perception Strategies for Reversing Outmigration Copyright 2012 by, Inc No part of this presentation can be reproduced or distributed without written consent.
More informationProvider Guide Many families may find it difficult to pay for or get
introduction Hello! Provider Guide Many families may find it difficult to pay for or get access to nutritious foods. In such situations, they may find it especially hard to make healthy choices. As a provider
More information14 Options Every Home Owner Must Know When Faced With Foreclosure. By: Scott MacDonald
14 Options Every Home Owner Must Know When Faced With Foreclosure By: Scott MacDonald Foreclosure is affecting millions of Americans today. It can be a very frightening time for many families who do not
More informationDedicated care and support for people living with dementia
Helping me to live my life Dedicated care and support for people living with dementia I ve always loved being outdoors, so I was worried when I moved from my own home that I would miss my garden and not
More informationTraining Series Part #2 Fundamentals of Life Insurance. Copyright 2014 all rights reserved
Training Series Part #2 Fundamentals of Life Insurance Copyright 2014 all rights reserved Life Insurance Marketing The world of marketing can be both an exciting and daunting experience. Earp Enterprises
More informationSPECIAL REPORT. How To. Sell Your Home. In 9 Days Or Less. No Commissions! No Fees!
SPECIAL REPORT How To Sell Your Home In 9 Days Or Less No Commissions! No Fees! You may discover the perfect solution by reading this report. If you are like many home owners struggling to sell your home
More informationISI Debtor Testimonials. April 2015 ISI. Tackling problem debt together
ISI Debtor Testimonials April 2015 ISI Tackling problem debt together The following are the words of debtors who have availed of the ISI s debt solutions and are real cases. They have reviewed and agreed
More informationPLAN A SOUND FINANCIAL. A Note from Gary:
A SOUND FINANCIAL PLAN DECEMBER 2014 + A Note from Gary PG1 + A Note from Scott PG2 + Manulife One PG3 + Critical Illness Insurance PG4 + Term Insurance vs. Mortgage Insurance PG5 + Year End Checklist
More informationRetire Rich. Written By Joshua Sharp Self Directed IRA and 401k Expert. Larry Goins. Real Estate Author, Trainer and Investor
Retire Rich GetOutOfTheVolatileFinancialMarkets AndSuperchargeYourIRAorRetirement AccountUsingDiscountedRealEstate! RentorFlip UsingyourIRAor401ktothefullest.KnowtheRightTimetoUse YourRetirementAccountandGettheMostFromYourRealEstateInvestments.
More informationWAYS EMAIL CAN HELP YOUR BUSINESS AND WHY IT S A POWERFUL TOOL TO CONNECT WITH CUSTOMERS
1 3 5 2 4 WAYS EMAIL CAN HELP YOUR BUSINESS AND WHY IT S A POWERFUL TOOL TO CONNECT WITH CUSTOMERS 5 WAYS EMAIL CAN HELP YOUR BUSINESS AND WHY IT S A POWERFUL TOOL TO CONNECT WITH CUSTOMERS 2 How can email
More informationYour Retirement Lifestyle Workbook
Your Retirement Lifestyle Workbook Purpose of This Workbook This workbook is designed to help you collect and organize the information needed to develop your Retirement Lifestyle Plan, and will include
More informationA Residential Redevelopment Company. Home Selling Guide
A Residential Redevelopment Company Home Selling Guide Who Are We? Caymus Realty Solutions is a full service professional real estate solutions company located in the north Pittsburgh region. Founded in
More informationBasics of Budgeting. Ten Steps To Create A Budget. Reviewing:
Basics of Budgeting Reviewing: Ten Steps to creating a budget How to find where your money is going Tips to stay on course Budget format included Ten Steps To Create A Budget Basics of Budgeting A budget
More informationThe 12 Step Follow Up System Finally A Follow Up System That s Simple, FUN and Most Importantly PROFITABLE!
The 12 Step Follow Up System Finally A Follow Up System That s Simple, FUN and Most Importantly PROFITABLE! Copyright 2013, All Rights Reserved Nancy Matthews Page 1 Congratulations! Welcome you to the
More informationThe Retail Customer Experience Which elements of the shopping experience matter most?
The Retail Customer Experience Which elements of the shopping experience matter most? September 2015 When it comes to shopping behavior, price is always a key motivator. However, to sustain a customer
More informationLife insurance is a simple answer to a very difficult question:
Chances are, you need life insurance Life insurance is a simple answer to a very difficult question: How will my family manage financially when I die? It s a subject no one really wants to think about.
More informationAnytime Adviser New Car Buying Coach
Anytime Adviser New Car Buying Coach Welcome. This interactive guide offers you strategies for getting the best deal on a new car. Let's begin. Interested in a little guidance to negotiate your best deal
More informationHoarding SolutionS. CompaSSion and ExpEriEnCE.
Hoarding SolutionS. CompaSSion and ExpEriEnCE. Hoarding: there is HopE. If you are dealing with a hoarding situation, don t be embarrassed, hoarding is not due to poor organization or laziness. Compulsive
More informationHow to Avoid The Five Biggest First-time Homebuyer Mistakes. Mistake #1
How to Avoid The Five Biggest First-time Homebuyer Mistakes Mistake #1 Failure To Examine And Repair Any Credit Problems Prior To Applying For Your Loan Many potential new home buyers have no idea what
More informationTips for Buying or Selling Your Home
mortgage Taxes HOME OWNERSHIP Credit Property Tips for Buying or Selling Your Home REAL Estate Agent Loans Home Inspection CURB Appeal TABLE OF CONTENTS Introduction... 3 Buying a Home... 3 Are You Ready
More informationThe Sales Mastery Series for Real Estate Professionals
The Sales Mastery Series for Real Estate Professionals with Mike Ferry The Decision How many deals do you want to do per month, this year, next year, and the year after? How much money do you want to earn?
More informationGift of the Magi By O Henry
Gift of the Magi By O Henry One dollar and eighty-seven cents. That was all. And sixty cents of it in the smallest pieces of money - pennies. Pennies saved one and two at a time by negotiating with the
More informationDealing with debt Top Tips
Dealing with debt Top Tips Don t ignore the problem it won t go away. The longer you leave it, the worse it will get. Get advice from the Student Advice Centre, Citizens Advice Bureau or other independent
More informationReal Property for a Real Retirement.
Real Property for a Real Retirement. Rent or Flip - Using your IRA or 401k to the fullest. Know the Right Time to Use Your Retirement Account and Get the Most From Your Real Estate Investments. 2011 CompleteIRA
More informationChanging the shape of British retirement. www.homewise.co.uk
Changing the shape of British retirement Free Phone 0800 043 33 66 About us Welcome to Homewise Like many people, you may have spent years looking forward to a dream retirement lifestyle, perhaps wanting
More informationHow To Get A Lawyer In South Shore, Martha M.A.
Bankruptcy Attorney & Lawyer Stoughton, MA Free initial consultation The have offered professional legal advice and representation for individuals throughout South Shore, MA and the surrounding areas for
More informationWhat you know about life insurance
What you need to know about life insurance This piece has been reproduced with the permission of Life Happens, a nonprofit organization dedicated to helping consumers make smart insurance decisions to
More informationFRANCHISE INFORMATION
FRANCHISE INFORMATION Welcome To A Modern Coffee House With Old World Style Take a dash of old Colonial Boston atmosphere, the finest coffee and the most innovative hot and cold coffee drinks and add delicious
More informationReal Estate Professionals with Heart. Home Selling Guide
Real Estate Professionals with Heart Home Selling Guide Who Are We? KForce Home Solutions is a full service professional real estate solutions company located in Little Elm, Texas. KForce Home Solutions
More informationphotos: Shutterstock.com Page 76 lneonline.com Les Nouvelles Esthétiques & Spa November 2014
Keep Them Coming Back Loyalty Programs and Client Retention by Dori Soukup In the early 1980s, American Airlines goal was to increase retention and provide their clients with something extra special. The
More informationLIFE ESSENTIALS COLLECTION PEACE OF MIND COMPLETE PEACE OF MIND
LIFE ESSENTIALS COMPLETE PEACE OF MIND PEACE OF MIND COLLECTION 24/7 TELEMEDICINE Imagine you or your child wake up feeling sick maybe a runny nose, a cough and congestion. You already know that getting
More informationHow to Sell Your House Quickly
SPECIAL REPORT How to Sell Your House Quickly Find out what really sells your house Discover different methods for selling Learn the advantages & disadvantages of each method Make informed decisions for
More informationOpening Our Hearts, Transforming Our Losses
Preface Alcoholism is a disease of many losses. For those of us who are the relatives and friends of alcoholics, these losses affect many aspects of our lives and remain with us over time, whether or not
More informationFUNDRAISING TIPS & IDEAS
FUNDRAISING TIPS & IDEAS 1. Fundraise Online. Register online at www.cysticfibrosis.ca/greatstrides and open the door to more fundraising resources. You can track your progress, allow others to donate
More informationIt s your kids birthdays, their braces, and your family vacation. It s your house, your yard, and your future. Some day, it s your retirement.
Inside this special report Jeff Pomeroy Licensed Business Insurance Agent Business Consumer Advocate, Consultant URGENT MESSAGE For Business Owners: How You Can And Must Protect Your Business From Financial
More informationI Want To Sell My Home! What Are My Options?
I Want To Sell My Home! What Are My Options? Today over 25% of the homes in America have loan balances that exceed the home value. If you re one of them it s not your fault and you do have choices which
More informationAnswers to frequently asked questions Home to Home Relocation Service for the Over 50s
Answers to frequently asked questions Home to Home Relocation Service for the Over 50s Q What does 50+ Relocation do? A: Fifty Plus Relocation is an independent Home to Home Relocation service. We will
More informationSell Your House in DAYS Instead of Months
Sell Your House in DAYS Instead of Months No Agents No Fees No Commissions No Hassle Learn the secret of selling your house in days instead of months If you re trying to sell your house, you may not have
More informationEmpowering Your Ministry
Empowering Your Ministry 1 Ten Things That Will Empower Your Youth Ministry Programs 1. Have a clear vision. Spend time visioning for the highest quality program you can imagine and then create a plan
More informationHow much do you spend on food in a typical month?
How much do you spend on food in a typical month? $ How much I spend each month in Food Stamps (EBT card benefit). $ How much I spend each month in WIC vouchers. $ How much I spend each month in cash for
More informationHow to Get Business Credit Funding for your New Business
Author Name: Joe Lawrence Website: www.businesscreditworkshop.me Phone: (888) 218-6354 Best Email: info@businesscreditworkshop.com Expertise: Business Credit Financing for new businesses How to Get Business
More informationSELLING YOUR HOME WITH THE ENVISION TEAM
SELLING YOUR HOME WITH THE ENVISION TEAM Your Guide to Making an Informed Decision Ben Arredondo REALTOR Office 480-449-6639 Direct 480-206-7077 Ben@TheEnvisionTeam.com TheEnvisionTeam.com THE ENVISION
More informationCOLLEGE. Going from high school to college. Getting Ready for College CHAPTER 1. Getting organized
CHAPTER 1 COLLEGE Getting Ready for College Going from high school to college means taking more difficult classes, meeting new people, and setting your own hours. But it also means taking charge of your
More informationCLIENT SERVICES: Tax Problem Resolution Services
CLIENT SERVICES: Tax Problem Resolution Services Dear Client: Are you having problems with the IRS? We re here to help you resolve your tax problems and put an end to the misery that the IRS can put you
More informationArizona Property Advisors LLC
PRIVATE MORTGAGE INVESTING ARIZONA PROPERTY ADVISORS LLC www.buyazcashflow.com 480-228-3336 Table of Contents The Basics of Private Mortgages 1 What is a Private Mortgage? 1 Why Would Someone Borrow From
More informationBuying a Car. A Car Means Convenience. Which Car is Right for You?
Buying a Car A Car Means Convenience It s Wednesday morning and you are sleeping soundly, dreaming about that Hawaiian vacation you d like to take. Suddenly you hear, instead of ocean waves, a loud buzz.
More informationImprove your prospects
Make a case for life insurance Improve your prospects Allianz Life Insurance Company of North America M-5191 Discover how you can help expand your client base and close more sales. If regular prospecting
More informationflight attendant lawyer journalist programmer sales clerk mechanic secretary / receptionist taxi driver waiter/waitress
Work Choices UNIT 3 Getting Ready Discuss these questions with a partner. flight attendant lawyer journalist programmer sales clerk mechanic secretary / receptionist taxi driver waiter/waitress 1 Look
More informationProspecting. in the Business Planning Market. For agent use only. This material may not be used with the public. LIFE-5663-Prospecting 02/16
Prospecting in the Business Planning Market LIFE-5663-Prospecting 02/16 For agent use only. This material may not be used with the public. WHAT IS PROSPECTING? In simplest terms, prospecting is all about
More informationSAMPLE THANK YOU NOTES
SAMPLE THANK YOU NOTES Thank You - In Person Visit (Prospect) 1. Thank you for stopping by today. I look forward to working with you in the future. 2. It was a pleasure to meet you today. We pride ourselves
More informationFood, Nutrition & Healthful Eating What Do Kids Think? Tami Cline, PHD, RD, SNS Sharon Olson, MBA CIA Healthy Flavors, Healthy Kids May 12, 2011
Food, Nutrition & Healthful Eating What Do Kids Think? Tami Cline, PHD, RD, SNS Sharon Olson, MBA CIA Healthy Flavors, Healthy Kids May 12, 2011 How Y-Pulse Works Professional Insight National Panel of
More informationA Happy Hollow Park & Zoo Specialty Quality, Care & Conservation
A Happy Hollow Park & Zoo Specialty Quality, Care & Conservation About Us Double-H Catering is a premier service offered by Happy Hollow Park & Zoo Happy Hollow offers amusement rides, puppet shows, educational
More informationHotel Fundraising Guide. Make a difference in a life of a child.
Hotel Fundraising Guide Make a difference in a life of a child. Together, we can give kids the world. The IHG Owner s Association and Priority Club Rewards has long-standing and passionate support for
More informationTruth. The. About Real Estate Advertising COTTER $49.00. Cell: (805) 680-0769 Website: www.patticotter.com Email: Patti@PattiCotter.com.
$49.00 Real estate agents tell you advertising is for your benefit. Find out who's really benefiting from their ads and how to select the right real estate professional for your needs. The Truth About
More informationWhat Will Keep Me From Getting A Mortgage Right Now?
What Will Keep Me From Getting A Mortgage Right Now? Why can t I get a mortgage? Why was my mortgage application denied? What s keeping me from getting a mortgage right now? Page 2 of 11 What Will Keep
More informationLegal Name: All other names you have used in the last 6 years: Address, City, State, Zip: Mailing Address if different:
BANKRUPTCY INTERVIEW INSTRUCTIONS: The interview sheet contains basic information needed for your bankruptcy. Do the best to complete the information. If you do not know the answer, then write "I do not
More informationProspecting, Marketing Plans, and Strategies for Success
Prospecting, Marketing Plans, and Strategies for Success People with goals succeed because they know where they are going. Keys to Success: Start the Cycle Stay on the Path Prioritize Your Activities Prospect
More informationMarketing 101 for Aspiring Yoga Teachers
Marketing 101 for Aspiring Yoga Teachers Catherine Wagner May 2013 How many classes do I need to teach to make a living? Can I make a living teaching yoga? Which studios should I work for? You are passionate
More informationINSIDE MY. This year s annual meeting marks the 66th anniversary of your credit union. You can find information about the annual meeting on the next
INSIDE MY www.southwest66.com April 2015 IN THIS ISSUE PRESIDENT S LETTER President Sean Cahill talks about some of last year s accomplishments as well as what you can expect from your credit union moving
More informationEffective Ad Writing
Effective Ad Writing How To Get The Most Results from Your Adverts by Joy Miller Limits of Liability / Disclaimer of Warranty The authors and publisher of this book have used their best efforts in preparing
More informationTask force helps seniors transition from home to retirement living
Daily Herald Task force helps seniors transition from home to retirement living Mike Rickert, left, with client Joe Vaccaro outside The Heritage in Des Plaines. JOE LEWNARD STAFF PHOTOGRAPHER By Jean Murphy
More informationOur mission is to assure high levels of learning for all students. The Gordon Way: Be Safe, Be Respectful, Be Responsible, Build Community!
The Gordon Our mission is to assure high levels of learning for all students. The Gordon Way: Be Safe, Be Respectful, Be Responsible, Build Community! November 6, 2015 DATES TO REMEMBER. November 10th:
More informationIN A SMALL PART OF THE CITY WEST OF
p T h e L a s t L e a f IN A SMALL PART OF THE CITY WEST OF Washington Square, the streets have gone wild. They turn in different directions. They are broken into small pieces called places. One street
More informationGoal Setting & Work. Shasta County Health and Human Services Agency Department of Social Services CalWORKs Employment Services Program
What s in your tool kit? Goal Setting & Work Shasta County Health and Human Services Agency Department of Social Services CalWORKs Employment Services Program Goal Setting & Work 11/08 Goal Setting Action
More information7 Secrets To Websites That Sell. By Alex Nelson
7 Secrets To Websites That Sell By Alex Nelson Website Secret #1 Create a Direct Response Website Did you know there are two different types of websites? It s true. There are branding websites and there
More informationFive Great Reasons to Consider Gift Checks
Gift Checks Online Press Kit Five Great Reasons to Consider Gift Checks Let s face it there s only so many ways to give someone a gift, and those options haven t changed much in decades. But Gift Checks
More informationProviding Support for Special Needs Children By The U.S. Department of Education, Office of Educational Research and Improvement. Posted June 1998.
Providing Support for Special Needs Children By The U.S. Department of Education, Office of Educational Research and Improvement. Posted June 1998. All children can succeed with the right support. Being
More informationTHE ABC S OF VEHICLE FINANCING CURRICULUM. Counting Your Money
Counting Your Money Section Objectives Counting your money and managing your money wisely is the most important part of your trip on the road to personal financial success. It is a critical step in achieving
More informationIntroduction. Hello. We appreciate you, that you are
Introduction Hello. We appreciate you, that you are Evan (L) and Chad (R), a sunny fall day on the farm considering us as prospective adoptive parents. We are Evan and Chad. We are excited to grow our
More informationRethinking Seller-Financing!
Jeff Bennett 201-580-4228 jeff@thenotecoach.com www.thenotecoach.com Rethinking Seller-Financing! How Real Estate Agents Can Close More Deals and Earn Higher Commissions By Jeff Bennett As a real estate
More informationSpa Success Tips to Enhance Every Aspect of Your Customer Experience
50 Spa Success Tips to Enhance Every Aspect of Your Customer Experience Reward your customers with loyalty points based on actions like purchases of products or services. Track customers activities and
More informationOpen Adoption: It s Your Choice
Open Adoption: It s Your Choice If you re pregnant and thinking about placing your child for adoption (making an adoption plan for your child), you may want to consider open adoption. Ask yourself Read
More informationMoney Management THEME
THEME 3 Introduction Money Management Do you know people who handle money carelessly? Lots of seemingly smart people are clueless about where they stand financially. There is Beverly, a professional woman,
More informationin this issue Vote For Your Board of Directors
in this issue Vote For Your Board of Directors... Pages 1-2 Apply for a $2,000 Scholarship... Page 2 Northgate Branch Moving to Thornton Place... Page 2 2013 Annual Meeting... Page 3 Transfer Your Balance,
More informationHEARTS &MINDS. Consumer Study. Understanding Long-Term Care Buyers. Mutual of Omaha Insurance Company United of Omaha Life Insurance Company
Consumer Study Understanding Long-Term Care Buyers Mutual of Omaha Insurance Company United of Omaha Life Insurance Company HEARTS &MINDS M28080 For producer use only. Not for use with the general public.
More informationHow To Prevent Or End Foreclosure In Canada And Keep Your Home
How To Prevent Or End Foreclosure In Canada And Keep Your Home 2012 Don t Lose Your Home, dontloseyourhome.ca How To Prevent Or End Foreclosure In Canada And Keep Your Home 2012 Don t Lose Your Home, dontloseyourhome.ca
More informationHow To Get A Mortgage Payment Protection Insurance (Mppi) Plan With Bright Grey
Have you protected the most valuable things in your home? Protecting yourself as well as your home What s inside 2 A product to suit your life today, and in the future 4 Income Cover for Sickness 6 Critical
More informationPP Home Selling Guide
Home Selling Guide Who Are We? JLJM Properties is a full service professional real estate solutions company located in Edmond, Oklahoma. We are proud to provide real estate services in the following areas:
More informationTanning and spa Industry
Tanning and spa Industry HydroMassage Marketing Plan and Resources 1 About The HydroMassage Marketing Plan and Resources are designed to help you successfully launch HydroMassage in your facility. It includes
More informationSpecia Nation. Materials
Specia al Needs Trusts Nation nal Conference Friday, October 16, 2015 Breakout Session 3 3:15 P.M. 4:05 P.M.. Marketing Your Special Needs Planning Skills to Others; Expanding Your Practice Focus Presenter:
More informationRetired Life in Thailand
Thoughts on Retiring to the Land of Smiles By Hugh Leong Copyright 2010 by Hugh Leong The author disclaims any liability, loss, or risk, personal or otherwise, which is incurred as a consequence, directly
More informationThe 10 Most Costly Mistakes You Can Make When Selling Your Home
The 10 Most Costly Mistakes You Can Make When Selling Your Home When you are getting ready to put your property on the market, there is a myriad of things to think about, to prepare for and to organize.
More informationMortgage Guide and Helpful Tips
Mortgage Guide and Helpful Tips Dear Prospective Home Owner, Let me tell you that home ownership is one of the key ingredients to building wealth. Take any 100 people at the start of their working careers
More information