BIZ. What s the. Rise and shine! Tim Horton s in. Horton s Oxfordisis seeing increase business! business!

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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 + = 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 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 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) 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 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.

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