What’s The Biz -- October 2010 1

BIZ
What’s the

October 2010 Vol. 5 #10

Oxford Area’s Monthly Business News & Info
POH Regional Medical Centerís Oxford campus is celebrating its 30th anniversary in
our fair town. For the story, see Page 4. Photo by C.J. Carnacchio.
2 What’s The Biz -- October 2010
Ornate or minimalist Free investment
After the 1980s came the 1990s and the
same will happen for the next seasons.
With a minimalist view that dominated that
seminar Oct. 7
decade, geometric cuts, go for slim-fitting Oxford Bank announced it will sponsor a
pieces in quality fabrics, wear a single neu- FREE investment seminar entitled ì2020 Vi-
tral head to toe, or try black with another sion: The Case for Equities in the Decade
basic shade. Aheadî on Thursday, Oct. 7 at the Bankís
Donít over Main Office in downtown Oxford (60 S. Wash-
accessorize ñ try ington St.), beginning at 7 p.m.
simple jewelry Presented by Marc Powers of Raymond
and bags and James Financial Services, Inc., with a featured
presentation by Paul Silva, Vice President at
shoes with clean
Franklin Templeton Investments, this semi-
lines are your nar is a must for anyone who is serious about
best bets. maintaining or initiating a focused, long-term
Opposite to approach to their investment strategy for the
the minimal con- next decade, and beyond.
cept, the ornate Itís been designed to accommodate any
look that in- level of investor and will answer such impor-
volves sparkling tant questions as ìDoes your portfolio have
of the sequence, a 2020 vision?,î and ìIs your retirement plan
beads, metals, prepared for the changes and challenges that
Lisi DeCampos, owner of
varnish and will inevitably come?î Light refreshments will
Ella Fashion
Lurex fabrics will be served. Seating is limited. To reserve a
be the high trend. spot, please contact Gwen Cesario prior to
So your best choice for this look will be Oct. 1 at 248-814-6580, or via e-mail at
pieces with embellished details in dark or gwen.cesario@raymondjames.com.
neutral colors. You can balance adorned items
with simply stylish skirts, pants and acces-
sories. Using that look style you definitely
will draw attention where you go.
Give a chance to the shining glamour of
the past decades and shine like a star with
the help of Ella Fashion.

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‘Surrounded
by family and
truly at home’
Independence Village
offers residents
good food, friends,
fun activities
By Thomas Guitar
Independence Village General Manager
It's not very hard to figure out why
our residents are smiling here at Indepen-
dence Village of Waterstone.
Let's see, if you had great meals pre-
pared for you every day and dined with all
your friends in an elegant dining room, had
your housekeeping and linen service taken
care of and had a full calendar of fun and
exciting activities planned for you while
surrounded by people who truly care for
you, you would be smiling too.
That's just what our residents at Inde-
pendence Village have come to expect and
enjoy each day.
It is our goal and mission to provide
the best customer service in the industry
and make each and every resident feel spe-
cial, surrounded by 'family' and truly at
home.
Every member of our staff realizes that
it is not an easy transition for our residents
to move from a home that they may have
lived in for years and years and often times
raised their families.
I have witnessed this initial apprehen-
sion so many times in my tenure in this
industry and the outcome is the same ev-
ery time; they are so happy and they never
regret making it. Many of our residents
wished they had moved sooner.
If you or a loved one are considering
the opportunity to retire to a resort set-
ting, please feel free to call me personally
for a tour of our wonderful community.
General Insurance
Insurance Protection for your
BUSINESS • HOME • AUTO
Immediate Coverage
Friendly, Personalized Service
Serving The
Orion/Oxford
Area
For 56 Years
www.hastingsmutual.com
1097 South Lapeer Road • Oxford
248-628-2565 • www.dkpins.com
What’s The Biz -- October 2010 3
You’re Never Too about ‘bond bubble?’
Should you worry
Old To Make These days, many investors are focused
on the volatility of the stock market. But if you
own bonds, youíre probably looking at a dif-
New Friends! ferent picture. In fact, bond prices have risen
so much that thereís now talk of a possible
Come and experience why our ìbubble.î If this happens ó that is, if bond
residents feel “Home” at
prices reach unsustainable levels and then
drop sharply ó how should you respond?
Independence Village at Waterstone Before we consider the like-
lihood of a potential bubble,
letís look at just why bond
prices have risen so much. The
Fall chief cause is falling interest
Special rates. When market interest
rates decline, the price on ex-
isting bonds ó which may Andrew Hunter
1 st M o n th carry higher rates ó will rise. of Edward Jones
FREE Thatís because investors, seeking higher in-
terest payments, will be willing to pay a ìpre-
miumî to purchase those bonds. Bond prices
are also being pumped up by the huge infu-
sion of cash into bond-based mutual funds,
Call Lisa or Mar ybeth Today spurred, in part, by investorsí concern over
the stock marketís performance.
To Reserve Your Stay W ith Us!
Now, letís return to the issue of a poten-
tial bubble. Itís almost impossible to predict
248-236-8300 such an event, but some factors would seem
to lessen its likelihood. Although past per-
701 Mar
Mar ket SStr
arket treet • O
treet xfor
Oxfor d, MI 48371 • www.seniorvillages.com
xford, formance is no guarantee of future results,
bond declines historically have been less fre-
Professionally managed by Senior Village Management
quent and less severe than stock plunges.
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Also, while interest rates will rise eventually,
they appear poised to stay relatively low for
YOU PUT THEM IN A SAFE PLACE. a while. Furthermore, as investors remain
somewhat pessimistic about the pace of the
YOUWHERE
NOW, CAN’T CONTROL
WAS THAT?
economic recovery, they may continue to be
leery of the stock market, choosing instead
to continue putting money into bonds,
THE WORLD,
Are your stock, bond or other certificates in a safety deposit box, desk
drawer or closet... or are you not sure at the moment?
A lost or BUT
destroyed
YOUcertificate can mean inconvenience
CAN CONTROL YOUR DECISIONS and lost. money
thereby helping keep prices high.
Ultimately, though, even if a bond bubble
were to occur, it wouldnít necessarily have a
major impact on your investment success.
Here are a few things to consider:
for you and your heirs. Let Edward Jones hold them for you. You still ï Hold bonds until maturity. If you buy
Sometimes
retain ownership andthemake
market
all reacts poorly to- world
the decisions whileevents, but all the
we handle bonds for the income they provide, thereís
just because the market reacts doesn’t mean you should. typically no need to sell them prior to matu-
paperwork. rity. No matter what happens to the market
Still, if current events are making you feel uncertain about value of your bonds, you will receive the same
We’ll automatically process dividend and interest payments, mergers,
your finances, you should schedule a complimentary regular interest payments. And when your
splits, bond calls or maturities
portfolio review. andyou
That way, more.
canEven
makebetter, you’llinreceive a
sure you’re bonds mature, youíll receive all your princi-
consolidated pal back, unless the issuer defaults ó an
control of where you want to go and how you gettime.
account statement and a single form at tax there. unlikely event if you purchase ìinvestment-
Let us help simplify your life. Call today. gradeî bonds.
Call or visit your local financial advisor today. ï Build bond ladders. You canít always
anticipate changes in interest rates, but you
Andrew Hunter, AAMS® can prepare for them by building a ìladderî
Financial Advisor of bonds of varying maturities. When market
826 S. Lapeer Rd., Suite A interest rates rise, you can reinvest the pro-
ceeds of your maturing, short-term bonds
Oxford, MI 48371 into the new bonds being issued at the higher
(248) 628-3811
www.edwardjones.com Member SIPC rates. And when market rates fall, youíll still
have the higher rates of your long-term bonds
working for you. (Generally speaking, longer-
term bonds pay higher interest rates than
www.edwardjones.com shorter-term bonds; this is to reward inves-
Member SIPC Please See EDWARD JONES on Page 11
 ‘Part of our past,
4 What’s The Biz -- October 2010

A Ver y Special Message

present and future’

From Your Friends At...

POH Regional Medical Center

Thank you for the opportunity to care for the health of so
many members of our community. It’s not our job… it’s
our comittment to you.
There For You Then -
Terese Ives
honors ëtwo dedicated nursing
professionalsí for 30 years of service
POH Regional Medical Center in Oxford
has been a cornerstone of the community for
over 30 years and is fortunate enough to have
two dedicated nursing professionals that have
been part of our past, present and our future.
This year Sandy Jones and Terese Ives
will be honored for their 30 years of dedication
and service.
"It's important for us to take time to recog-
nize and pay tribute to our dedicated staff that
have been part of our POH family since open-
ing its doors in 1980," said Director of Opera-
tions Lynette Smith.
Employees like Terese Ives help to build a
sense of stability and community at POH Re-
gional Medical Center and the commitment
runs deep.
"I always wanted to work in the medical
field, even while growing up I liked watching
the popular daytime television show Medical
Center,î Ives said. ìThere are no two days
alike, which makes my job so interesting.
Sandra Jones ìI love this community, I grew up here and
I was fortunate enough to live, work and raise
my children here. One of the greatest things
Terese Ives
about working in a smaller community is that
you see people over the years that appreciate
a familiar face when they come to POH, It makes
you feel good.î
Sandra Jonesíwisdom and experience are
compounded by the abundant loyalty she has
for POH Regional Medical Center.
Jones exhibits a positive attitude in ev-
erything she does. She reminds us of the im-
portance of a positive attitude both on and off

Here For You Now - of the job.

385 N. Lapeer Road • Oxford • 248-628-3000
Sandy is a deeply spiritual person and this
spirituality spills over into the care she pro-
vides for her patients.
Her compassion for her patients and their
families is immeasurable.
At POH we strive to reach beyond the
ordinary to offer extraordinary care. This dif-
ference is reflected in the longevity of our em-
ployees and the spirit, dedication and love for
the work that they do and the patients that
they help. Next time you are in the facility stop
by and say hello to these friendly and familiar
faces. Sandra Jones

Fall weather’s
here, but your
Chamber’s
still red HOT!
Remember how hot it was last month and
now were cooling off as fall approaches.
Speaking of HOT, your Chamber of Com-
merce is HOT. We have so many opportuni-
ties for our members and the general public
in the next few months to see what Oxford
Chamber has to offer.
The next big event is Oc- A word from
tober 9th with is the the president
Womenís Expo. This year
the Expo committee has
moved the location to the
Oxford Middle School and
moved the day to Saturday
to give more businesses a
better opportunity to partici-
pate and to give the public a
weekend day instead of a
working day to visit the expo. a column by
We have more room for our Rick Laidler
vendors and more room for
the general public to come and see what the
Womenís Expo is all about. Donít miss this
chance and space is filling up fast so call the
Chamber office to get your spot reserved.
Are you missing out on the FREE adver-
tising for Chamber Members in the Oxford
Leader BIZ section? Look at the DID YOU
KNOW section of the BIZ and see what other
businesses are doing and advertising for
FREE. This opportunity was made possible
by Sherman Publications/Oxford Leader and
we want thank them their continued support
of the Chamber and their members. Take ad-
vantage of this FREE opportunity.
Speaking of FREE, donít miss the Scare-
crow Festival on October 2 in down town
Oxford. The Chamber will sponsor the Chili
Cook Off as part of the festive activities that
day. Bring the kids and enjoy some of the
best Chili in Oakland County. There will be
all kinds of different activities for your family
to enjoy. While you are in town, stop into
some of the merchants and do some shop-
ping.
I would like to welcome Anna Taylor
owner of Pink & Charlie to the Chamber
Board. Anna will be a great asset to our board
and we all look forward to working together.
We are looking for people interested in serv-
ing on the board for the Chamber, our annual
election is in October, so if you are interested
please call the Chamber office.
Remember, support of your local business
helps support the people of Oxford who live
and work in our community.
“Committed to promoting,
enhancing business prosperity
for our members.”
Call 248-628-0410 or visit us online at
www.oxfordchamberofcommerce.com
New member profile: Egress Solutions
Do you have two ways
out of your basement?
Just for a moment picture your loved one
climbing through your basement window.
You know the kind that is about one foot
high, two feet wide and pulls out. Are you
laughing yet? Maybe your basement doesnít
even have a window that opens, you just
have glass block. It would be no laughing
matter if your house was on fire. Say youíre
in your basement watching a movie and there
is a fire upstairs. Your only exit is the stair-
way going up and that is blocked by fire.
Where is your second way out?
In 2003, Michigan adopted a code that
requires all newly remodeled basements to
have an egress or exit directly to the outside
of the house. The code states that the mini-
mum area for all emergency exits is 5.7 square
feet for basements with habitable space (not
just basements with bedrooms). Habitable
space is defined as a space in a building for
living, sleeping, eating or cooking. The exit
What’s The Biz -- October 2010 5
Mark Shafer, owner of
Egress Solutions.
size is important because a fully dressed
firefighter has to be able to climb through it
for escape and rescue.
Basement Egress Windows are a great
way to let in natural light and fresh air to
your dark musty basementóat the same time
ensuring the safety of your family with a re-
liable emergency exit.
Some questions to ask you installer:
How†many egress windows have you in-
stalled?
Are you licensed & insured?
Do you use a track mounted wet saw to
prevent dust in my house?
Do you cover†my†lawn†to protect it?
Will you back fill the well with pea
stone†for†best support &†drainage?
Is there a warranty on materials and la-
bor?
Visit www.EgressSolutions.com or call
Mark Shafer 248-628-7550 to learn more.
Chamber
promotes biz
in variety
of ways
The Oxford Chamber of Commerce PRO-
MOTES your business.
Itís FREE to participate in the Oxford VIP
card program and it only takes a few minutes
to sign up.
News from You must be a Chamber
the director member to participate; how-
ever once you do the ben-
efits will be worth it.
This program was cre-
ated with small businesses
in mind and as an effort to
keep the dollars local.
Without the support of
our businesses there
a column by wouldnít be a card to pro-
Holly Bills mote. As a benefit your busi-
ness name will be listed on
the website, and in the BIZ.
Even if the card is never used you still are
receiving FREE advertising.
This is a win-win for everyone involved.
Go to www.oxfordvipcard.org and sign up,
start taking advantage of your membership
dollars and let them start working for you!
Another way the Oxford Chamber of Com-
merce PROMOTES your business is by of-
fering our Chamber members the opportu-
nity to facilitate the monthly coffee talk.
Coffee Talk meets the last Friday of the
month from 9:30am-10:30am.
As the facilitator you are given the op-
portunity to educate and become the ëexpertí
for the morning.
In addition the Chamber promotes your
business on Facebook, the online newsletter
and in the BIZ In the future, segments of
coffee talk will also be videotaped and played
on you-tube, facebook, and the Chamber
website.
If you would like to know more about fa-
cilitating coffee talk please call the Chamber
office 248-628-0410.
Last week I shared how the Chamber RE-
FERS your business and this month we talked
about PROMOTING, stay tuned next month
to find more ways that the Chamber can pro-
mote your business and help you create stra-
tegic partnerships.
At the Oxford Chamber of Commerce it is
our goal to ensure that our members VALUE
exceed their INVESTMENT!
6 What’s The Biz -- October 2010
Member profile: Great Lakes
Elite Gymnastics has it all
Great Lakes Elite Gymnastics is one of North Oakland
Countyís best kept secrets!
Located at 715 N. Lapeer Rd, across from the Oxford Meijer,
GLE provides a warm and caring environment with excel-
lence in gymnastics and cheer instruction for girls and boys
ages 18 months and up. GLEís unique 360 degree Open View-
ing environment enables parents to experience their childís
development up close without any separating walls.
Our 20,000 square foot gym includes something for ev-
eryone! We have all Menís and Womenís Olympic†equipment
along with a wonderful and safe Pre-School Gym.
GLEís remarkable and highly credentialed staff possesses
a combined 30-plus years experience coaching USAG Com-
pulsory and Optional Junior Olympic Girls Levels 2 through
10, and 12+ years coaching Cheer.
All our coaches love children and have a passion for
Gymnastics and Cheer. GLE has also partnered up with Stu-
dio 8 Dance Arts and Dragon Martial Arts to bring excellent
Dance and Martial Arts Instruction to our community, on
site!
Come join our fun filled Open Gyms! Our Play Time Open
Gyms are reserved for children ages 6 and under.
The perfect fun and safe environment to meet for a Play
Date! Parents are required to participate with their children.
Every Wednesday and Friday from noon to 1pm.
Only $5! Our Great Time Open Gyms are 2 hours of
EXTREME FUN for the entire family!
This is an organized Open Gym with music and sporadic
group games throughout the night. Every Friday and Satur-
Whatís going
on in October?
Saturday, October 2 ñ Scarecrow Festival and Chili Cook
Off. Come downtown Oxford and experience the fun! Check
out the Chamber of Commerce Chili Challenge located in
Centennial Park!
Try some of our restaurants famous recipes and vote for
the best one! Try all of them and be entered in a drawing for
a special gift!
Saturday, October 9 ñ Womenís Expo, held at the Oxford
Middle School, on Saturday, October 9th from 10am-5pm!
This is the same great event; we just moved it to a Saturday!
More vendors, more speakers, and more giveaways!
It is FREE to attend and welcoming for all ages. Bring
your friends and family and head out to support the Oxford
Chamber of Commerce and the POH Riley Foundation! It
doesnít cost you anything but your time!
Friday, October 29th ñ You are invited to join us for Cof-
fee Talk. This facilitated networking event is held in the Com-
munity Room inside the Oxford Twp and Parks building from
9:30am-10:30am.
Coffee and donuts are provided and itís free, so bring a
friend. This is a great place to meet, greet, eat, and network!
Please RSVP by calling the Chamber office at 248-628-0410.
day night from 7:30-9:30pm. Only $10!
Both Open Gyms have access to our entire gym including
our in ground 40 foot trampoline, loose foam pit, MEGA
BOUNCE†house and much more!
Our Pro-Shop is always open and offers a wide selection
of snacks and beverages. You can check us out on the web at
www.glegymnastics.org or contact us at (248)236-9600.
Did you know?
Wiches caters for all occasions! †Parties, Office Lun-
cheons, Weddings, Rehearsals, Showers, Graduations, the
Big Game.... ANY OCCASION. †Check out out menu online
at www.wichesrestaurant.com or call 248-572-4790 to start
designing a custom menu just for your special occasion.
†Stop in and see why ëwiches ìPuts the Chains to Shame!î
†40 N. Washington †Oxford, MI 48371
Kids Corner Preschool and Daycare Center provides a
comfortable place that children of all ages refer to as a
second home.† We now have a student teacher training
with us that took her first bus ride to Kindergarten from
Kids Corner.† We are providing her an income now to get
her through college.† We believe in this community.
Oxford Smile Center is providing a FREE photo booth
for the homecoming football game and will donate $25 to
the Oxford Athletic Boosters for every new patient that
says ìGo Wildcatsî?
There are the low-cost marketing ideas you can imple-
ment today? Here are a few!
ï Strategic partners/co-op advertising
Grand opening
for Timeless
Powersports
Friday, Oct. 1
Timeless Powersports located at 697 S. Lapeer Road,
Oxford will be having their GRAND OPENING and rib-
bon cutting on Friday, Oct. 1.
The Ribbon cutting will be at 10 a.m. and the grand
opening will be all day until 5 p.m.
They will be offering 10 percent off all parts and or-
ders Friday & Saturday. Light refreshments will be served.
Timeless Powersports is a new repair, service, and
parts business that just opened up.
They specialize in certified service work for racing
motorcycles, dirt bikes, ATVís, personal watercraft and
snowmobiles.
For more information please call 248-236-0858.
Save the date!
Thursday, November 11ñ Ladies Night Out at Paint
Creek Country Club
Saturday, December 4 will be the annual Oxford
Chamber of Commerce Christmas parade. To participate
please call the Chamber office at 248-628-0410 to re-
ceive an application.
ï Press releases
ï Facebook/LinkedIn
ï Expo booths and mingling
ï Business group committees/volunteer activities
ï Attendance at Chamber and DDA events
Call The Marketing Shop at (248) 330-8787 for more
cost-saving marketing information!
Oxford Goodwill is open on Sunday from 11:00 ñ 7:00.
Store is located at 150 S. Lapeer Road.
The Goddard School of Oxford celebrates their FIRST
YEAR ANNIVERSARY in business.† We offer a full cur-
riculum for children ages 6 weeks through school aged
care up to age 12.† We thank the community and beyond
for ALL of your support!† Come see what makes us differ-
ent!† Call 248-628-6268 or stop in at 55 Gateway Drive (just
north of the Village of Oxford, behind POH and Flagstar
Bank).†
Oxford Chamber of Commerce will be holding the
Womenís Expo on a Saturday, Oct. 9 from 10a.m.-5p.m. This
event is FREE to attend. The first 250 women through the
door will receive a re-useable pink tote bag!
 What’s The Biz -- October 2010 7

One in four unemployed could miss HAVE LAST YEAR’S RETURN

refunds by not filing a tax return CHECKED FOR ERRORS
By Holly Wilk
A survey conducted by The Tax Institute
Taxpayers must roll over WITH THE H&R BLOCK
401(k) or other employer-
at H&R Block found that almost one in four
of unemployed or retired do not plan to file a
qualified funds within 60 SECOND LOOK® REVIEW.
tax return*, making them four and a half times
days of receipt or the
If you didn’t use H&R Block last year, bring in your return for a Second
more likely not to file compared to their em- Look® Review. Last year, we found errors on 2 out of 3 tax returns
ployed counterparts. prepared by someone else. ¶ We’ll check for missed deductions and
For many unemployed and retired, filing money will be taxed as credits, to help make sure you get the maximum refund you’re entitled
to. We’ll also certify whether or not your original return is accurate.¨
could mean cashing in on tax credits and de-
ductions that give them money back.
income and they could Get it Right.§
These are some of the major tax credits face a 10-percent penalty.
and deductions that could be available: Moving on
ï Up to $500 ($1,000 if married filing jointly) Taxpayers who have a job-related move Click, call or come over.
for property taxes on a home for taxpayers may be able to deduct their unreimbursed hrblock.com | 800-HRBLOCK
who do not itemize moving expenses, even if they do not itemize
ï Child Tax Credit, up to $1,000 per child deductions. These are the eligibility require-
©2009 HRB Tax Group, Inc.

ï Up to $2,500 for the American Opportu- ments:

¶Error rates are for tax season 2009. Fees apply for Second Look® reviews or if you have us prepare a corrected or
amended return.¨ If H&R Block makes an error on your return, we’ll pay resulting penalties and interest. If you are
nity Tax Credit ï Moving expenses must be incurred
audited, we’ll explain your audit notice and the documentation you should provide to the auditor.

ï Up to $400 ($800 if married filing jointly)
for the Making Work Pay Credit
ï Up to $5,667 for the Earned Income Tax
Credit for eligible taxpayers with 3 or more
qualifying children.
Job-search expenses
You have to spend money to make money.
within one year from the first day of work
ï The distance from the new job location
to the old home is at least 50 miles more than
the distance from the old job location to the
old home
ï Taxpayers must remain in their new job 200 S Washington
Oxford, Michigan 48371
at least 39 weeks during the first 12 months. Phone: 248-628-4714

For employed and unemployed job seekers, With unemployment remaining essentially M,T,W,F 9:00 am to 4:00 pm
spending money to find a new job can add unchanged at 9.7 percent for 2010**, nearly Th 9:00 am to 7:00 pm
up. H&R Block advises that meeting certain 15 million Americans are forced to make diffi-
requirements makes these expenses tax cult decisions resulting from greatly reduced Oxford Area Highlights
breaks, and that unemployment doesnít have or lost income.
to equal tax trouble. Unemployment compensation
Chamber of Commerce Of The 2010
8th Annual
Those with experience in a trade or pro- Womenís Expo
AgelessWomen’s
Many people are receiving unemployment
fession, including college graduates, might compensation in this rough economy, yet
be able to claim expenses for a job-search in they donít know how it impacts their taxes. Day Spa & Salon
• Excellent Speakers

Expo
the same profession. These are some ex- One in four recipients doesnít realize that any • Interesting Demonstrations
amples of eligible job-search expenses: payment received over $2,400 is taxable. • No Admission Fee
ï ResumÈ development These taxes can be withheld by contacting • 80+ Diversified Vendors

ï Professional placement services
ï Unreimbursed mileage, airfare and hotel
expenses for interview travel.
Taxpayersí job-search expenses, along
with all other miscellaneous itemized deduc-
tions, must exceed 2 percent of their adjusted
gross income.
Roll over
Taxpayers must roll over 401(k) or other
employer-qualified funds within 60 days of
receipt or the money will be taxed as income
and they could face a 10-percent penalty.
To ensure there are no early withdrawal
taxes or penalties, have retirement funds sent
directly from the old trustee to the new
trustee.
Regular tax or alternative minimum tax con-
sequences may result when incentive stock
options are involved.
This depends on when the options are
exercised, how long the stock is held, and
whether the stock options are qualified or
nonqualified.
2010
the state unemployment agency to avoid • Special Giveaway Gift Totes -
paying at tax time. First 250 Guests
Severance • Shuttle Service
Lump-sum severance packages can make
Women’s Luxury Raffle
total annual income too high for taxpayers to Saving Lives One
claim their usual credits and deductions. Proceeds to P.O.H. Riley
Mammogram At A Time! Foundation Mammogram Program
The federal income tax withholding rate
Saturday, October 9
could be as high as 25 percent.
However, making estimated payments and
increasing withholding amounts may be nec-
essary to meet tax obligations.
10 a.m. - 5 p.m.
Making sound decisions based on per-
sonal, long-term financial needs no matter
Located at Oxford Middle School • 1420 E. Lakeville Rd.
the current employment status can be done
with the assistance of a tax or financial pro- SIGN UP TODAY 248-628-0410
fessional. To be part of this great day filled with entertainment,
* Survey from The Tax Institute at H&R enrichment and education ~ something for every woman!
Block ñ December 2009
** Report from the Bureau of Labor Sta-
Sponsorships & Booths
tistics ñ March 5, 2010 OXFORD CAMPUS
Still Availalble
Holly Wilk is an H&R Block tax profes- Applications online at
sional in Oxford. You can reach her by call- www.oxfordchamberofcommerce.com
ing (248)628-4714.
8 What’s The Biz -- October 2010

Auto recalls spur drivers to

evaluate auto insurance coverage
By Donald Harrison
With news of recent car recalls reverber-
ating throughout the automotive world, auto
owners are scrambling to make sure that their
cars are safe.
The recalls are serving as an eye-opener
to many, and those folks are recognizing that
now is the perfect time to re-evaluate an old
auto insurance policy and to make sure that
it is still providing positive value.
Whether an accident occurs as a result of
some sort of mechanical failure or due to a
bad decision, the proper insurance policy will
help drivers stay afloat even with a difficult
situation.
Prior to renewing any existing policy, ex-
amine your current situation and figure out
exactly what your needs might be in the near
future. The times are changing and change
has become a certain reality for many indi-
viduals. If you are moving in the near future,
changing jobs, or doing something else that
might impact your driving, then youíll need
to evaluate your options.
Additionally, many people are seeing
changes to their current policy because of
either adding or removing a child from their
policy.
The key to cost cutting
This can be done in a number of different
ways. Some people cut insurance costs by
picking up discounts for safe driving and for
driving less. Others cut costs by shopping
around and finding a lower cost insurer. Oth-
ers keep their costs low by choosing a car
that warrants a lower insurance premium.
These things are all important, and they are
factored into the equation when insurance
companies calculate your premiums.
Searching for the right provider
Todayís insurance industry is fierce, and
this is a positive for you. The more competi-
tion there is, the more likely you will be to get
both a good deal and acceptable terms. When
shopping around for insurance, understand
that while a few carriers dominate the market
those are not your only choices. Certainly
rates should play a major part in your deci-
sion, but you should also consider customer
service when evaluating offerings. Community Insurance
Visit our website for more newsletters and
information at communityinsurancecenter.com.
Center, Ltd.
Donald Harrison CIC, LIC is Vice Presi- 932 S. Lapeer Road • Oxford • 248-628-2505
dent of Community Insurance Center. 248-
628-2505. Community Insurance Center 932 “Your Community Is Our Community”
S. Lapeer Rd., Oxford Mi 48371

Stormy weather couldn’t dampen

spirits at Chamber golf outing!
Although the heavy storms
ripped through Oxford on Thurs-
day night the Oxford Chamber of
Commerce golf outing remained
strong on Aug. 20.
The dedicated staff at Oxford
Hills worked hard to clear the
course and have it ready when our
golfers arrived on Friday morning.
Thank youís go out to Tim and
DO EVEN
More thank youís go out to our
volunteers for the day, Marilyn
Duguid, with POH Regional Medi-
cal Center, Renee Cary with Costco,
Krysta Ivey with POH Regional
Medical Center, and Ed Hunwick.
Genisys Credit Union
Oxford Bank
Oxford Hills
Relume Technologies
Quality Fastener
The Lighting Guy
MORE
TOGETHER
Whether you sat at a hole, or drove Wireless Toyz
the golf cart, your time meant a lot! Affiliated Construction
With all the hard work of Oxford Community Insurance Saturday, October 2nd, our partner churches are
teaming up to help Love In The Name of Christ
Hills, the volunteers, the board and View Newspapers

Lorna at Oxford Hills for their help
in organizing the day and for pro-
viding a delicious lunch for the
golfers to enjoy.
Special thank youís go to Ron
Davis, Director for the Oxford Parks
l ve
(Love INC) of North Oakland County have our best SATURDAY
, OC TOBER 2N
myself the event still would not Cottage Inn Pizza Fall fundraising effort yet. Won’t you and your D
business help too?
have been possible without the Patterson Pharmacy
support of the golfers that came out Curtis Floor Covering Here are ways your business can make
to play and participate or the spon- Downey King & Phipps a difference:
to
11AM-5 PMl augh
festival
‡$WD[GHGXFWLEOHGRQDWLRQ
sors that contributed, so a very Burdick Street Landscape ‡0DNHDGRQDWLRQDQG\RXFDQVSRQVRU
special thank you goes to all those Healthquest a booth at the festival
‡'LVSOD\RXUSRVWHUDW\RXUEXVLQHVV SUPPORT

and Recreation, Lynette Smith, with that supported the outing by being St. Andrews Sponsors:
ING

POH Regional Medical Center, and a sponsor or a golfer, your contri- Lakes Community Credit Union To learn more about Love INC and nds OF NORTH

frie
OAKLAND
COU NTY
Our partn
er churches
getting toge are
how your business can be involved, ther to spon

Rick Laidler, with Community Insur- bution and support was greatly Quality Fastener best FUN sor our
draiser yet.
somethin There’s
g for ever
call Jennifer Comer at 248.693.4487 foo Bring your yone!

ance for their help before, during, appreciated. Augusta Sponsors:

entire fami
d help Love
INC continue
ly and

or 517-231-0689 (cell). do even more

together!
to

and after the event. Thank you to the Oxford Cham- Affiliated Construction Specialist fun
Ron, Lynette, and Rick are all ber of Commerce golf sponsors: Relume Technologies SEYMOUR
Corner of
JOIN IN THE
LAKE UNITE
Sashabaw
FUN AT:
D METHODIS
board members and volunteer their Hole Sponsors: Oxford Bank
and Seymou T CHURCH
r Lake Roa
d, Oxford

time to help the Chamber and the Don Sherman-State Farm POH Regional Medical Center sample of
display po
ster
community. Pink & Charlie Genisys Credit Union
 What’s The Biz -- October 2010 9
HEALTHY SMILE CENTER
Personalized Gentle Care James R. Porritt, Jr. Loan modifications
For The Entire Family Part of the well-intentioned relief pro-
New Modern Office With
ATTORNEY grams for troubled mortgage borrowers are
State-of-the-Art Equipment
30 Years Real Estate Experience loan modifications.
9 N. Washington
MarthaVega-Crist,DDS
Because a large per-
(M-24 - Lapeer Rd.) • Oxford Licensed Broker • Chairperson of County Bar R.E. Comm centage of these modifica-
248-969-4840 Member American & State Bar R.E. Sections tions ultimately fail, pro-
grams have developed to
Creative 248-693-6245 allow for a period of trial
payments as part of the
Embroidery SIMPLE WILLS e Fr qualification process.
Con e Init The applicant is noti-
Computerized Embroidery & Monogramming
Custom Designs, Personalized Gifts • Self directed disposition of assets
sul ia fied to submit payments of
• Your choice of administrator tati l
Business, School & Team Logos • Varsity Jackets
a designated amount for a Attorney James
10 E. Burdick St. • Oxford
248-628-9531
• Your choice of Guardian for minors on period of three months or R. Porritt, Jr.
• Your choice of Trust for minors to be set up after your passing. longer.
ìFor All Your Family Pharmacy Needsî “Avoiding Probate”does not justify the cost or inconvenience of setting up a Living Trust and maintaining it for the The applicants believe their payments
rest of your life. Michigan’s unsupervised probate procedure is inexpensive, uses preprinted forms, avoids formal are being applied to their loan.
Patterson accountings, court appearances, or approval of asset disposition. However, the small print will specify that
Prescription Pharmacy the payments are actually being held in es-
crow.
1 S. Washington St. • Oxford For Sale By Owner The problem arises when the applicant
248-628-2538 • Fax 248-628-0721
TRANSACTION Short Sales is ultimately denied a modification and the
Tim Davidson, R.Ph. escrowed funds are applied to accumulated
• Advice, preparation of Purchase Agreement, Procedures & Negotiations late charges and interest.
The Mandatory Disclosures & related documents. If You Must Sell Your Home The result is a large arrearage and a de-
mand for payment.
BLUE • Coordination of financing, inspections, surveys, And Cannot Without A The lender then initiates foreclosure
appraisals, title work & closing
BUTTON Cash To New Mortgage Transaction 1/2of 1%
Reduction In Your Mortgage when the applicant cannot pay the arrear-
on our website Balance, Call For An age.
links YOU to all Seller Financed Sales 1% Appointment. Borrowers who find themselves in a loan
of our PICTURES (Land contracts, private mortgages, lease with option) modification process have to be cautious
about keeping track of how the program is
Go To oxfordleader.com 436 S. Broadway (M-24) , Suite C • Lake Orion being administered.

Join the rush to Gold City

Gold City LLC opened for business July
19.
Gold City is located at 3913 Baldwin Rd.
across from the Great Lakes Crossing mall.
Our hours are listed here, although most
Walk In & Get Paid Cash Now! days we stay later. We also do private sales
by appointment after normal business hours.
Gold City is new to Auburn Hills, our first
We Pay Top Dollar N ee d S o m e store opened in Hazel Park two years ago.
I'm Mark and my wife is Sherrie. I'm re-
For Gold, Fine & E x tr a C as h ? tired from the Pontiac Assembly Plant. I'm
also a veteran (U.S.Navy). My wife Sherrie
Sterling Silver, Platinum, Ask Us About is a retired bus driver for special needs chil-
dren. We have four children and three
Broken or Unwanted Jewelry, Hosting Your grandchildren.
Diamonds, Coins We started buying gold three years ago.
Very Own We then opened our own store.
and Dental Gold GOLD Getting the store opened in Hazel Park
was challenging. But we have enjoyed our
time there and the folks there have been good
PA R T Y . to us. That store is open and doing well.
We buy gold, silver, and platinum. Bro-
ken or unwanted jewely, sterling silver, dia-
Ask For Mark or Sherri monds, coins, and dental gold.
We pay cash and you can be in and out

248-451-9090 in a few minutes. We attribute our success

to the fact that we pay more than others do
and we treat you with respect and dignity.
3913 Baldwin Road • Auburn Hills We can beat any legitimate offer on gold
and silver. Come see us. Gold City owners Mark and Sherrie.
(Across from Great Lakes Crossing Mall)
10 What’s The Biz -- October 2010

Go W ildcats Special Hollywood smiles are no

For every new patient that says “Go Wildcats”
Oxford Smile Center will give $25 to the
longer just for movie stars
Itís not your imagination. More and more
Oxford High School Athletic Boosters people do have Hollywood smiles.
So white, so straight, so perfect!
Most of us are not born
• Zoom! Theeth Whitening - Brighter Teeth Bring Your Smile To
Us! with amazing smiles but re- Oxford Smile
in One Hour cent advances in cosmetic Center
• Invisalign® - The Clear Alternative to FREE dentistry have made movie
Braces Photobooth Fun star smiles affordable and at-
• Cerec® - One Visit Crown Treatments For You and tainable.
Your Family at Veneers are used for most
• Evening and Saturday Appointments
Homecoming smile makeovers.
• Exams, Cleanings, Veneers, Natural Thin shells of fired porce-
Looking Fillings & More Football Game lain (veneers) are placed on
the front surfaces of teeth for
a natural look and feel.
Experienced cosmetic John M.
dentists can dramatically Khoury, DDS
change the length, width,
color and shape of teeth with veneers.
John M. Khoury Jr., DDS Veneers resist staining and can be used
for a complete smile makeover or to repair a
1120 S. Lapeer Rd. • Oxford, MI 48371 chipped tooth.
A skilled cosmetic dentist can transform
OxfordSmileCenter.com your smile comfortably and relatively quickly.
After hearing your goals and expectations
your dentist will guide you through deter-
mining the best style of your new smile and
take a mold of your teeth.
A dental lab will use your dentistís pre-
cise instructions for dimensions and propor-
tions to create a wax mold of how your smile
will look.
You and your dentist will use the wax mold
to generate a final approval for the lab to
create porcelain veneers.
After preparing your teeth to make sure
the veneers will fit perfectly, veneers will be
placed and your smile makeover will be com-
plete.
Minor adjustments are perfectly normal
and should be expected.
For more information call (248) 969-SMILE
or visit www.OxfordSmileCenter.com Dr.
Khoury supports the local community with
programs such as Halloween candy buy-
back, Donated Dental Services, elementary
educational visits and support of school ath-
letic programs.

Compassionate, energetic
Dr. Khoury supports the local community with elementary educational visits,
Halloween candy buy-back and support of school athletic programs.

248-969-SMILE
We’re The #1 Choice... care offered at HealthQuest
Come Experience the Difference. Every decision about care at HealthQuest
Physical Therapy and Wellness Center is
based on professional judgment and clear,
ongoing communication with the patient.
The therapist will also keep in contact with
the primary care physician or specialist be-
ginning with an initial evaluation and con-
tinue until recovery is complete.
A patient at HealthQuest is always treated
Free as a unique individual and never just a num-

Consultations
ber on a chart. The facility owners are all
physical therapists and are committed to pro-
viding the highest quality attention possible.
Our Specialties At HealthQuest you will find one very
important difference.
Include: Each patient will receive personalized,
• Neck & Back Pain hands-on care each visit from a licensed
• Headaches & Migraines physical therapist at all locations.
• Shoulder, Hip & Knee Pain With innovative treatment programs, it is
possible for HealthQuest therapists to pro-
• Post-Surgical Rehabilitation
vide unique combinations to further speedy
• Total Motion Release recovery. With years of experience and state-
• Auto, Sports & Work Injuries Dan Garr, MPT
of-the-art equipment, a patient will be able to
• Foot & Ankle Sprains & Strains OXFORD quickly resume their lifestyle, possibly at an
• Hip & Knee Replacement Rehab 53 S. Washington St. enhanced level.
• Elbow Conditions Education is a very important part of the to help each person live a life free of pain.
• Women’s Health 248-236-0035 HealthQuest therapy experience. Each patient Simply put, their goal is your goal - to get
• Educational Presentations is given specially structured exercises to per- each person back to living life to the fullest.
• TMJ form at the facility and at home. The Oxford location of HealthQuest is lo-
• Total Motion Release Along with self management strategies and cated at 53 S. Washington Street, Oxford. Call
close communication with their physician or today for your free evaluation at 248-236-
6 a.m. to 8 p.m. Monday - Friday • 8 a.m. to Noon Saturday specialist, it is always the goal of HealthQuest 0035.
Quick Scheduling • Most Insurances Accepted

Benefits of belonging
to a credit union
Ever wondered
about differences
between credit
unions and banks?
First, let's start with their similari-
ties. For example, credit unions and
banks both accept deposits and with-
drawals, while also providing loans and
a variety of checking and savings ac-
counts.
But credit unions Lakes
have one very signifi- Community
cant difference. Credit Union
Unlike banks, credit
unions are not-for-
profit, cooperative insti-
tutions.
Banks are owned
by groups of stockhold-
ers and operated by a
paid board of directors
for the benefit of the
stockholders, whereas Carolyn Chevier,
credit unions are owned president
by their members and
operated by a volunteer member elected
board of directors for the benefit of the
members.
Each credit union's charter defines
its "field of membership." This desig-
nates who can join.
Because of that membership re-
quirement, all members of a particular
credit union are united by a "common
bond."
As such, they share something in
common; like where they live or work,
or their association with a recognized
group or organization.
Once someone qualifies for member-
ship, family members may often join also.
At Lakes, our membership charter
is open to anyone that lives, works or
Edward Jones
Continued from Page 3
tors for the greater risk, and built-in inflation
expectations, of the long bonds.) Be sure to
evaluate the securities held within the lad-
der to ensure they are consistent with your
investment objectives, risk tolerance and fi-
nancial circumstances.
ïDiversify. Of course, you donít want to
invest only in bonds. Try to build a diversi-
What’s The Biz -- October 2010 11
worships in Oakland County.
Since credit unions are not-for-
profit associations, profits are returned
to the members in the form of lower loan
rates, higher savings rates, and many
free or discounted services compared
to other types of financial institutions.
What do you have to do to join a
credit union?
While the actual requirements
vary from credit union to credit union,
some sort of action is required to des-
ignate you as a member.
Often, it's as simple as making a
small deposit that acts as your "share"
of ownership in their institution.
Think of it as your share of "stock"
in the business (after all, you are the
owner).
At Lakes, we ask that you deposit
$5 in your savings account.
Credit unions represent a different
type of financial institution as they be-
lieve fair and equitable financial ser-
vice is vital to the well-being and sta-
bility of its members.
Some of the most popular services
available through credit unions are sav-
Mark Your
Your
ings and checking accounts, home mort-
4
gage loans, no or low fee ATM/Debit
cards, IRA accounts, vehicle and per-
Calendars
sonal loans.
Research reflects that credit
unions characteristically provide the
finest financial assistance at reduced
rates and with fewer finance fees on
loans while offering their members
higher rates on savings accounts.
3 Great Special Sections
So if you're a credit union member That Will Be Sure To Increase Your Business
and your friends and family are eligible
Celebration
4
for membership, let them in on one of
your best secrets.
Lakes Community Credit Union is of the Horse
the best place to, well, bank. Because September 22
at Lakes, we consistently endeavor to Metamora, Dryden & Hadley
provide the very best and most eco-
nomical financial services possible to
meet our members' needs.
4 Women’s Expo
September 29
fied portfolio based on your goals, risk toler-
ance and time horizon that could include
The Oxford Leader & Lake Orion Review
bonds, quality stocks, certificates of deposit,
government securities, bond funds and other
securities.
4 All Things Autumn October 21
Keep in mind, though, that diversification, The Oxford Leader & Lake Orion Review
while helping reduce the effects of volatility,
canít guarantee profits or protect against
loss.
Call Your Ad Representative Today
Whether or not we see a bond bubble, For More Details
these moves can help you ó so give them a
place in your overall investment strategy. 248-628-4801
12 What’s The Biz -- October 2010

Oxford Branch
248-236-8135
22 Southeast Michigan locations,
find more at www.genisyscu.org

Where you come first.