What’s The Biz -- September 2009 1

BIZ
What’s the

September 2009 Vol. 4 # 9

Oxford Area’s Monthly Business News & Info

Dorothy Johnston, owner of Johnston

Photography in downtown Oxford, logs on
to her new business blog at
www.johnstonphotographyoxford.blogspot.com
Mention the blog post and receive one of
the following: 1) Half-off your high school
senior session fee; 2) 20 percent off the
incredible senior portrait package; or 3)
15 percent off the awesome family
portraits sessions. Photo by C.J. Carnacchio.
2 What’s The Biz -- September 2009

North Oakland Dental Group

• Comfortable Family Care • At Home and In-Office

• Warm Friendly Staff ZOOM® WHITENING
• Cosmetic Dentistry • Join Us In Our
• Make Over Consultations Newly Remodeled Office Today
• Most Insurances Accepted • Quality Care In Our Community
Since 1981
I-69 Exit #155
DOWNTOWN
OXFORD From the left, front, Andrea C., Laura Lee, Chantel B., (back) Nichole W., Andrea B. and Lisa C.
830 S. Lapeer 830 South Lapeer, Oxford
LAKE ORION
Drahner Rd.
Laura Lee’s Salon: Smiles so bright
I-75
Exit
81
www.northoaklanddentalgroup.com you’ll have to wear shades
Laura Lee’s Salon SEPTEMBER SPECIALS
We welome you to Laura Lee’s Salon,
where you will always recieve excellent
service in a very relaxed, comfortable
merly worked at Sabrina’s Salon. They
specialize in haircuts, coloring and high-
lighting (they have lowered thier prices
enviorment. when they joined our team).
LAURA LEE ANDREA BALLOR On top of that, we’re all very friendly. We also added a massage therapist,
Mention This Ad Back-To-School Special We all love what we do and we would Nicole. She is offering one hour massages
love the opportunity to serve you. We starting at $40 (by appointment only).
Kids Cuts Te a chers
FREE Gift $ 20% Off
welcome men, women and children of all Look for monthly specials and free ser-
With Any Ser vice
By Appointment Only
10 Any Service
Walk-ins Wed. 9-6 and Sat. 8-3
ages.
The entrance to the salon is only a few
feet from the southwest municipal park-
vices in the Biz section of the Oxford
Leader (delivered to homes on the last
Thursday of the month).
248-628-2324 810-614-4487 ing lot in downtown Oxford -- so there is Smiling faces, attention to detail and ex-
plenty of parking for everyone; also this cellent service are what owner Laura Lee
CHANTEL BOZIED ANDREA (HOLMBERG) COCHELL is great for our clients who have trouble attributes to our high volume of returning
$ walking. customers.
Free Conditioning 20% Off
Trea tment Any Service
10 OFF According to salon ower Laura Lee
Davisson, the new stylists are Andrea
The reliable, dependable staff are all
independant and run thier own business
With Color Ser vice With Jim Any Color Service Cochell and Lisa Coombe. within Laura Lee’s. You may reach them
248 Monday 10-6, Friday 9-6
By Appointment Only Tue., Wed., Thurs. & Sat. by Appointment Andrea was formerly with Premier Hair directly at thier number listed with thier
628-2324 Studio. She specializes in all services for special.
248-343-0693 248-941-7149 women’s hair and her rates have remained To reach Laura Lee, call 248-628-2324
the same. -- which always forwards to her cell phone
NICHOLE WAWRZYNIAK LISA COOMBE Lisa also specializes in women’s hair when she is not in the salon.
Massage Therapist and is an excellent esthetician. She is of- Customers can call anytime between 6
Esthetician fering mini-facials starting at $15 and one a.m. and 10 p.m., seven days a week.
$ $
1 Hour Swedish
Massage
By Appointment Only
35 1 Hour
Facial 25
By Appointment Only
hour facials starting at $30. Lisa also pro-
vides manicures and pedicures.
Andrea Ballor was formerly at Paul’s
The salon has been in Oxford for 11
years at 4 W. Burdick St. (next to Patterson
Pharmacy). Give them a chance and
Barbershop and specializes in clipper cuts they’re sure you will leave very satisfied.
248-930-2914 248-321-1976 and flat top when she joined our team. Please look for staff specials in Laura
4 W. Burdick • Downtown Oxford • lauraleessalon.vpweb.com Chantel Bozied and Jim Pantello for- Lee’s September ad.

Village businesses
earn beauty awards
It’s the property owners who wield paint
brushes, plant flowers and spend countless
hours manicuring their lawns that keep Ox-
ford Village looking like a center spread
straight out of Better Homes and Gardens.
To recognize all of their hard work and
property-enhancing efforts, the village’s
Beautification Commission recently named
nine winners as part of its 17th Annual Beau-
tification Awards program.
Three attractive businesses were among
the award winners – (pictured below from
top to bottom) Victoria’s Delights, Mark A.
Young Jewelers and Phillip B. Maxwell &
Associates (building owned by Dave and
Joan Weckle).
Winners were selected based on their
property’s aesthetic contributions – land-
scaping, upkeep, repairs and improvements
– toward the village’s overall appearance.
What’s The Biz -- September 2009 3
Get educated
about investing
If you have children at home, you’re no
doubt aware that it’s the traditional back-to-
school time. \But even if your days of par-
ent-teacher conferences are in the past, or
ATTORNEY & COUNSELORS even in the future, you can still find a place in
your life for education —
and you might want to
FACING start by educating your-
self about investing.
To get the most out of
FORECLOSURE? your investment educa-
tion, ask yourself these
questions:
■ What are my goals?
Learn about your rights Your financial goals
should drive your invest-
under the New ment decisions. You prob-
ably have short-term Andrew Hunter
Michigan Foreclosure Law. goals, such as making a of Edward Jones
down payment on a home or paying for a
FREE SEMINAR vacation, and long-term goals, such as sav-
ing for your children’s college education or
building resources for your retirement. Once
Oxford Public Libary you’ve identified your goals, you can create
Wednesday, August 5th • 7:00 p.m. an investment strategy to help achieve them.
$50.00 credit for attendees toward services rendered ■ What is my risk tolerance? Self-aware-
ness is important in every aspect of life —
including your approach to investing. As you
20 Hudson St • Oxford • 248-969-1490 create your investment portfolio, you need
to understand your own views on risk. Would
you consider yourself an aggressive inves-
tor — that is, someone who can accept a
FINDING THE RIGHT FINANCIAL ADVISOR relatively higher degree of investment risk in
exchange for potentially higher returns? Or
IS AS IMPORTANT AS FINDING THE RIGHT BOND. are you a more conservative investor —
someone who is willing to take lower returns
At Edward Jones, you’ll always have the ability to find quality investments. But the in exchange for lower potential risk? Or per-
service and respect you’ll get go far beyond the numbers. So take a look at the figures haps you’re a moderate investor, less risk-
below, then call to learn more. averse than some but less aggressive than
1. Government-sponsored Enterprise Notes .54% to 4.15%* others. However you’d characterize yourself,
it’s essential that you factor in your risk tol-
Guarantee applies only to the payment of principal and interest. erance when choosing investments. Other-
2. Federal Income Tax-free Bonds 3.94% to 6.01%* wise, you’ll likely end up causing yourself
needless worry over your investment
Interest may be subject to state and local taxes and the alternative minimum tax
portfolio’s performance.
(AMT). Insurance does not eliminate market risk.
■ When should I make changes to my
3. Corporate Bonds 2.02% to 5.91%* investments? Once you’ve built an invest-
*Yield effective 8/3/2009, subject to availability and price change. Yield and market value may fluctuate if sold prior to ment portfolio, you shouldn’t leave it on “au-
maturity, and the amount you receive from the sale of these securities may be more than, less than or equal to the amount
originally invested. Any bonds called prior to maturity may result in reinvestment risk for the bond owner. Contact your
topilot.” Over time, you most likely will need
local Edward Jones Financial Advisor for more information about maturity dates and applicable call provisions. Bond to add new investments or sell others. How-
investments are subject to interest rate risk such that when interest rates rise, the price of bonds can decrease and the investor ever, try to avoid selling quality investments
can lose principal value.
just because their share price has dropped
Call or stop by today. — they may still have good long-term pros-
Andrew Hunter pects. In general, you should sell an invest-
Andrew Hunter ment under certain circumstances. For ex-
Financial Advisor
. Financial Advisor ample, if your goals have changed, you may
826 South Lapeer Road find the need to sell some investments and
Suite A
826 S. Lapeer Rd., Suite A
purchase others. You may decide to sell an
Oxford, MI 48371 Oxford, MI 48371 investment if it’s no longer what it was when
248-628-3811
(248) 628-3811 you purchased it. For example, maybe you’ve
invested in a company whose products are
less competitive than they once were, or per-
haps the company belongs to an industry
www.edwardjones.com now in decline. And finally, if your portfolio
Member SIPC Please See INVESTMENTS on Page 5
4 What’s The Biz -- September 2009

Good
Eats
WTB’s
Out For Lunch
Oxford, 248-628-9800
Sit Down Italia Gardens (Italian)
1076 S. Lapeer Rd.,
Dining Oxford, 248-628-4112
American Legion Post 108 Thai Cuisine (Thai) Located at 22 S. Washington St. in
130 E. Drahner Rd. 180 S. Washington St. downtown Oxford, the Ox Bar & Grill
Oxford, 248-628-9081 Oxford, 248-236-9205
offers something for everyone. For
Big Boy - Oxford more information call (248) 628-1400
955 S. Lapeer Rd.,
Oxford, 248-628-3841
Coney Joint or visit them on the web at
Ken’s Coney Island Country Coney www.theoxbarandgrill.com. The Ox is
212 S. Washington St. 1040 S. Lapeer Rd., open Monday through Wednesday and
Oxford, 248-969-3665 Oxford, 248-628-7712 Sundays from 11 a.m. to 12 a.m. and
Lakeville Inn Thursday through Saturday from 11
a.m. to 2 a.m. Photo by Andrew Moser.
1318 Rochester Rd.
Lakeville, 248-628-4460 Pizza Place
Louie’s Food & Spirit Cottage Inn Pizza

Ox Bar & Grill offers diverse menu

600 Lakeville Rd., 51 S. Washington St.
Lakeville, 248-628-2440 Oxford, 248-628-9500
(The) Nugget Fatty’s Pizza
1055 S. Lapeer Rd 40 N. Washington St.
Oxford, 248-628-2503 Oxford, 248-628-4471
Ox Bar and Grill Guido’s Premium Pizza
By Andrew Moser If that doesn’t fill you up, the Ox offers a cheese and fresh basil.
22 S. Washington St. 1396 S. Lapeer Rd., Downtown Oxford has another dining wide variety of burgers and sandwiches. Their Also on the menu are Hawaiian and
248-628-1400 Oxford, 248-969-2111 destination for lunch or dinner. signature burger is the Ox, which is 8 ounces Buffalo Chicken pizzas.
Oxford Hills Golf Club Isola’s Pizzeria & Restaurant The Ox Bar and Grill combines America’s of beef grilled and topped with bacon and Swiss The main event portion offers steak,
(Seasonal) 80 N. Rochester Rd. favorite sports bar foods such as burgers, cheese. The sandwiches include a polish sau- fish, ribs and the ever popular chicken
300 E. Drahner Rd. Addison Twp., 586-752-3585 pizza and sandwiches with an assortment sage topped with bacon, sweet relish, chopped florentine, which is a sauteed chicken
Oxford, 248-628-2518 Jet’s Pizza
Oxford Tap 204 S. Washington St.
of pasta and chicken dishes. onion, pickle and tomato, a Monte Cristo that breast with spinach, bacon and a vel-
5 S. Washington St. Oxford, 248-969-5387 The Ox offers 12 different appetizers, is a triple decker of turkey, ham and Swiss and vety cheese sauce. Add in a pasta menu
Oxford, 248-236-0380 Little Caesar’s Pizza ranging from mozzarella sticks, chicken their signature Reuben. that includes fettuccine alfredo, baked
24th Street 89 W. Burdick St., wings, chicken tenders and onion rings to The Ox offers seven different types of pizza. ziti and spaghetti arrabiata, the Ox Bar
2 N. Washington St., Oxford, 248-628-6302 double baked potatoes that are topped with The Ultimate is the house favorite, combin- and Grill offers something for everyone.
Oxford, 248-628-1200 chili and cheese to calamari and pork ing Italian sausage, pepperoni, mushrooms and If you’re thirsty, the Ox has 12 beers
Rob’s Place
13 S. Washington St Fast Food shanks. onions that are topped off with parmesan on tap to complement your meal.
Oxford, 248-628-1217 Burger King
Tami’s Grill

Black Bean and Corn Salsa

583 S. Lapeer Rd.
1386 S. Lapeer Rd. Oxford, 248-628-3636
Oxford, 248-236-0900 Dairy Queen
Victoria’s Delights Oxford, 248-628-3690
12 S. Washington St. McDonald’s My dad, who is now 87, tells this story Although I cannot eat that many ears at a 1 large tomato, seeded and
Oxford, 248-969-3477 280 N. Washington St. of growing up on a farm in Bay County, sitting, at this time of year when the corn is in, chopped
Oxford, 248-628-2780 Michigan. I do enjoy eating it almost every day. ¼ cup freshly squeezed lime
Subway Sandwiches When the corn was ripe for picking, There are three very different ways that I juice
Ethnic 95 W. Burdick St.
Oxford, 248-969-6920
dinner would often in- enjoy my corn. First, I enjoy corn-on-the-cob, ½ cup chopped cilantro
Casa Real (Mexican) Uncle Boomba’s Mr. Pita/ clude all you could eat covered with sour cream and grated sharp ched- 1 teaspoon salt
21 S. Washington St., Dairy Queen
corn-on-the-cob. dar cheese. This tastes like a baked potato and 1 teaspoon cumin powder
Oxford, 248-969-2801 1010 S. Lapeer Rd., He, and his five corn-on-the-cob all in one. ½ teaspoon black pepper
Golden Dragon (Chinese) Oxford, 248-969-2222 brothers, would pile up Next, I enjoy grilled corn-on-the-cob Place the ingredients in a large
32 S. Washington St., the ears of corn on their slathered with Lime Cilantro Butter. bowl. Stir, and let sit at room
plates pyramid style. In addition, I came up with this recipe for temperature for one hour. Store in
Usually, they would Black Bean and Corn Salsa. the refrigerator until ready to eat.
each eat about a dozen 1 (15 ounce) can black beans, drained You Be The Chef
Restaurant managers ears of corn at a sitting.
Even now, my dad’s Mary Forte
and rinsed
3 ears of fresh corn, scraped off the cob
Add the salsa to one pound of
cooked pasta. Place strips of grilled
-- call us if you would like to favorite corn comes 1/3 cup sweet onion, chopped chicken in a tortilla, and top with salsa
have a menu item featured! from Bay City and is called “Peaches and 1 whole jalapeño pepper, stemmed, and sour cream. Serve on a bed of
248-628-4801 Cream.” seeded, and minced lettuce topped with grilled salmon
 What’s The Biz -- September 2009 5

Special ladies
sought for
Now Open!
‘Magical
Makeover’ Oxford Left, Jude Cunningham and Lisi DeCampos,
The Oxford Area Chamber of Com- Urgent Care founder of Ella’s Fashion.

Kids get
merce is looking for a few good women.
Do you know a special woman who 72 S. Washington St., Ste 102, Oxford, MI 48371
deserves some recognition and a little (Crittenton Medical Plaza)
pampering?
Maybe it’s someone who has
NO APPOINTMENT
cool for
struggled through a difficult illness or a
tough personal situation. NECESSARY
Or maybe you would like to honor
Sports Injuries
your mom, sister, daughter or a good
friend. 248-236-8333 Minor Emergencies

school
The Women’s Expo committee would Digital X-Ray
like you to nominate that special woman
Flu Shots • EKG
for our “Magical Makeover” contest. OPEN Lab Tests
The nominees will be entered into a
selection process and the winners will 10 AM-10 PM Work, School & Sports Physicals
7 DAYS
at Ella
receive many lovely pampering services. Common Illnesses
They will be honored at the Women’s
Expo in October where their transforma- Most Insurances Accepted
tions will be revealed to a very apprecia-
tive audience. greatlakesurgentcare.com
School is right around the corner, and
Please write a letter describing your
Ella Fashion has everything that you need
candidate and why they deserve this rec- Diva’s Don’t Shop at the Mall
ognition.
Include your name, address and phone ELLA Go Back-To-School
with
to go back to school and take fashion with
you!
You definitely need to make a state-

number as well as the same information
for the candidate. Mail your letter to the
Chamber office or send by email to:
info@oxfordchamberofcommerce.com.
The deadline is Thursday, Sept. 10.
Investments
Continued from Page 3
has become “overweighted” with certain
types of investments, you may decide to sell
some of them to bring your holdings back
into balance, based on your goals, risk toler-
ance and time horizon.
■ Whom should I consult for help? You
can do a lot to educate yourself about invest-
ing — but when it comes to making the right
choices for your future, you may need help.
A professional financial advisor who is
familiar with your family situation, short- and
long-term goals and investment preferences
can help you build and maintain a portfolio
that can help meet your needs.
The investment world can be complex, so
the more knowledge you have on your side,
the better off you’ll be. Take the time to learn
as much as you can about investing.
It’s an education that can pay off in the
long run.
FASHION
ment on your first day at school.
Ella Fashion At Ella Fashion we can show you the
tricks to help you work what you got.
248-236-8386 • Find What You Need For Fall
• Unique Styles
Whether you’re curvy, petite, plus-
size, or tall we can show you how. Bold
• Accessories • Jewelry • Good Price colors, details, and flattering fits, are all
• Clothing • Shoes
signatures of a well dressed womens.
That is exactly what you need to make
a statement.
• Fashion Using cool layers, Blazers, mini skirts
with tights and the perfect boots and flats.
If you are a romantic girl, you got to try
GALVANIC the fitted blazers.
The details make them cute and per-
SPA SYSTEM fect for school.
As for accessories, Ella Fashion has
unique, cute friendship bracelets for only
It Firms, Cleanses and Tones U$3.50.
All At Once! Another accessories you can’t miss
is the scarfs, tie-dyes, plains or printed
Seeing Is Believing!!! we have them all.
Home So, make sure you come over and
Book your Spa Party with Friends and Spa check out.
Receive your own Facial Demonstation Free! Parties You will find everything you want at
prices you can afford.
Call for a detailed brochure! 248-736-2343 Available We are open 7 days a week, late hours
on Thursdays and Fridays and for ques-
24 S. Washington • Downtown Oxford tions call us (248) 236-8386.
6 What’s The Biz -- September 2009

Leader wins national

award for education
Every week The Oxford Leader is
jam-packed with articles and photos
chronicling all the good things Oxford
students do.
In recognition of our efforts, the Na-
tional Newspaper Association (NNA)
is honoring us with a General Excel-
lence award as part of its Best of
Newspaper in Educa-
tion Contest.
Every year, the
NNA recognizes the
excellent effort
made by community
newspapers and press
associations to engage young readers
in the pursuit of actively learning the im-
portant role newspapers play in our
community.
There were 75 entries in this year’s
Best of Newspaper in Education Con-
test, an all-time high since the
competition’s inception in 2003. The
Leader was one of three newspapers
to win a General Excellence award in
the non-daily division.
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
248-969-4840
The other two winners were the
Washington Missourian based in
Washington, Missouri and the Wilson
County News out of Floresville, Texas.
Which papers won first, second and
third places will be announced at the
“Toast to the Winners” awards cer-
emony Saturday, Sept. 26 at the Re-
naissance Riverview
Plaza Hotel in Mobile,
Alabama.
As part of its entry, Chris and Tom Hanson, co-owners of Orbit Satellite, want to free you from the shack-
the Leader submitted a les of cable television. Photo by Andrew Moser.
three-ring binder chock
full of news/feature ar-
ticles and photos highlighting the
activities and accomplishments of
Let Orbit Satellite bring the
Oxford’s K-12 students during the
2008-09 school year.
world into your living room
All of the stories and photos sub- By Andrew Moser tire state of Michigan.
mitted were the work of Editor C.J. Brothers Chris and Tom Hanson have “We try to keep a lot of our sales local
Carnacchio, who’s been with the pa- fond memories of Oxford. They lived in Ox- here. I think it looks better to be a local guy
per since May 1999. ford as children before their family moved instead of a nameless number somewhere
“I couldn’t be happier or prouder,” to Lapeer. out there,” said Chris.
Carnacchio said. “This is first time I’ve “It’s a great community,” said Chris. “We According to Chris, Orbit has 15 techni-
entered a national contest and to win right both grew up around here as well. Our whole cians that are certified in every area of Di-
out of the gate is a tremendous and hum- entire family still lives in the Oxford/Lake rect TV installation and repair work.
bling honor.” Orion area.” One of the main reasons that they were
“I’ve devoted so many days, nights It was those memories that helped moti- drawn to Oxford is because of the fact that
and weekends to covering school-re- vate Chris and Tom to base their business, it was a growing area.
lated news that it’s really satisfying to Orbit Satellite, in Oxford. “When I was a child, this whole area back
see all that hard work recognized and Orbit Satellite is a local branch of Direct here was a gravel pit,” said Tom. “Now it’s
MarthaVega-Crist,DDS appreciated on a national level,” TV that makes its own sales and instilla- a whole entire neighborhood with probably
Carnacchio added. tions of Direct TV service. Orbit also helps 2,000 homes.”
maintain and serve the customer as long as Another reason was that they would not
ASSISTED LIVING the customer has the satellite service. have any competition for Direct TV retail

SJCConstruction “Make Our House Your Home”

Small Jobs • Door Installation • Trim Work
Bookcases • Counters • Window Restoration
Scott Cunningham • 248-882-7402
General Insurance
Insurance Protection for your
Janet K. Mazzetti
Executive Director • Lake Orion
Orbit has been operating out of the old Sea
Ray building for the last couple of months.
After working for Direct TV for five and
sales -- they are the only retailer in the area.
The current plans for Direct TV range
anywhere in price from the Family Package,
Pineview Manor Silverbell Manor Orion Manor
a half years, Chris as a Technician and Tom which costs $29.99 a month and includes
2888 Baldwin Rd. 1241 E. Silverbell Rd. 1814 S. Lapeer Rd. as the Team Leader of Oakland County, they over 45 channels, to the Premier package,
took their opening when they saw that there which costs $109.99 a month and offers over
248-814-6714 • Fax 248-814-6725
www.oaklandcommunityalternatives.com wasn’t a lot of retail in the area. 265 channels.
VICKI LUBELAN
Tom said that they were approached by They have already serviced a number of
(248) 628-9531
Creative
Owner/Operator Direct TV after working for Wirecom, who
helps maintain the dishes for Direct TV, over
companies since they moved to Oxford.
They recently finished registering and in-

BUSINESS • HOME • AUTO EMBROIDERY a year ago and asked them if they wanted to
start making their own sales.
stalling 14 receivers for Casa Real.
“They were one of the bigger retail ser-
Immediate Coverage Computerized Custom Designs “There is only one company that you vices that we had and they were very happy
Friendly, Personalized Service Embroidery and Teams • Schools • Business
can go through that will do the instillation with our service,” said Chris.
Monogramming Tees • Hats • Jackets • Shirts
Serving The for you in the state of Michigan,” said Tom. Advertising is going to be the key to the
Orion/Oxford 10 E. Burdick St. • Oxford, Michigan 48371
Area The situation couldn’t have worked out continual growth of the company.
For 56 Years better for Chris, Tom and Direct TV: Chris Whenever technicians are on the job,
www.hastingsmutual.com “For All Your Family Pharmacy Needs” and Tom get commission from the sales they hang up door hangers on all their jobs.
Patterson while Direct TV gets another customer for They are also looking to advertise in The
two years. Big Deal, which serves the Oxford, Lake
The brothers try to keep most of their Orion, Clarkston and Waterford area.
1 S. Washington St. • Oxford sales in and around the Oxford/Lake Orion For more information, call 1-877-25-OR-
1097 South Lapeer Road • Oxford area, even though they do service the en- BIT (67248).
248-628-2565 • www.dkpins.com Tim Davidson, R.Ph.
 What’s The Biz -- September 2009 7

Candidate Jacobsen says ‘get rid’ of biz tax surcharge

By C.J. Carnacchio
Leader Editor
On Monday, the Brad Jacobsen campaign express to
Lansing officially pulled out of the station.
Family, friends and local officials packed Jacobsen’s
Flowers in Lake Orion to offer their support and well wishes
for the 52-year-old lifelong Oxford resident as he formally
announced his candidacy for the 46th District seat in the
Michigan House of Representatives.
“I’m looking forward to an exciting campaign,” said
Jacobsen, a Republican who’s served on the Oakland
County Board of Commissioners since 2006.
Jacobsen told the crowd he hopes to bring “a common
sense businessman’s approach” to the state Legislature.
“You’ve got to run government like a business to make it
work in today’s environment,” said Jacobsen, who’s worked
full-time in his family’s 89-year-old floral company since
1979. One of things Jacobsen’s passionate about doing is
eliminating the Michigan Business Tax’s surcharge, which “hits
most businesses for about 20 percent on the profits they make.”
“We’ve got to get rid of that,” he said. “All of us need
that money to keep our businesses going, to keep expand-
ing and to create more jobs for Michigan.”
Jacobsen, who served as a trustee on the Oxford Town-
ship Board from 1984-2000, is anxious to collaborate with
other state leaders in order to help get Michigan’s eco-
nomic engine humming again.
“It really is going to take a team effort to get this state
straightened out,” said the 1975 OHS graduate. Ultimately, Surrounded by his family at Jacobsen’s Flowers in Lake Orion, Oakland County Commissioner
he believes the folks in Lansing should look to Oakland Brad Jacobsen (far right) formally announces his candidacy for the 46th District seat in the Michi-
County as a model for economic success. gan State House of Representatives. Pictured (from left) are his daughter Emily, son Brad, daugh-
For more information about Jacobsen and his campaign ter Lauren and wife Teri. Photo by C.J. Carnacchio.
visit www.bradfordjacobsen.com.

Business gives seniors chance to help other seniors

By C.J. Carnacchio
Getting older isn’t easy for many
folks, especially when the body or the
mind, or both, begins to fail them.
They want to stay in their own
homes, but it’s too much work for them
on their own.
They want to maintain their indepen-
dence, but they also want a little com-
panionship. They need some help with
the basics of life, but they want to main-
tain their dignity.
Fortunately, those spending their
Golden Years in the Oxford/Addison
area can call upon the in-home services
of Seniors Helping Seniors (SHS), which
matches seniors who want to provide
help with seniors who are looking for
help.
“As our senior community grows, it
just makes sense to bring seniors to-
gether,” said Oxford resident Dawn
Neely, who co-owns the local franchise
with her husband of five years, Bob
Neely. “It’s so much easier to receive
assistance from someone that you feel
really does understand what you’re go-
ing through and can relate to the issues
you’re dealing with.”
The Neelys established their Seniors Help-
ing Seniors franchise in Oakland County in
February 2008. They serve Oxford, Addison, Seniors Helping Seniors – (from left) Office
Brandon, Orion and 18 other communities. Manager Dawn Foltz, Co-owner Dawn Neely,
“We have concentrated on our local com- Caregiver Nancy Lovell and Co-owner Bob
munity for the most part right now,” Dawn said. Neely. Photo by C.J. Carnacchio.
“It was really important for us to touch our
local community first.”
SHS currently has 17 “very active” senior-
to-senior matches and several seniors who re-
ceive care on a more infrequent basis.
SHS provides a full-range of home care,
companion and home maintenance support
services, all of which are “100 percent, non-
medical,” according to Dawn.
“Whatever our seniors needs are we can
meet them,” she said. Services include light
housekeeping, meal preparation, transporta-
tion, laundry, personal grooming, minor home
repairs, yard work and errands.
“The most rewarding part is knowing in
some shape or fashion, we’ve made a differ-
ence in somebody’s day,” Dawn said. “We’ve
helped them live independently and stay in
their homes. We think that’s where we are the
healthiest and happiest, surrounded by our
things, our memories.”
Services usually cost from $17 to $19 per
Please See SENIORS on Page 10
8 What’s The Biz -- September 2009

Family Practice comes

to POH Oxford campus
Meadowbrook Oxford Family Practice is
now located at POH Regional Medical Cen-
ter in Oxford.
It is a well-established group of board
certified Family Practice Physicians dedi-
part can affect another; this knowledge can
benefit patients by reducing or eliminating
unnecessary referrals to specialists.
While both the M.D. –Doctor of Medi-
cine and D.O. – Doctor of Osteopathic Medi-

Please Welcome
cated to providing excellent primary health
care services to the residents of Oxford, Lake
Orion, and the surrounding area for over 25
years.
Drs. Giuliani, Magnatta, and Weitz, along
Our New with their dedicated medical staff are pleased
to provide a centralized continuum of care
and offer a variety of services, including: on
FAMILY PRACTICE site pharmacy, complete physical exams and
health maintenance, management of acute
and chronic illnesses, physical therapy,
PHYSICIANS children’s health care, PAP smears, bone den-
sitometry to diagnose and follow osteoporo-
sis, ultrasound, laboratory, X-ray, MRI, CT
to POH Regional Medical and PET CT scans.
The physicians at Meadowbrook Oxford
Family Practice are Doctors of Osteopathic
Center Oxford Campus Medicine and their specialized training pro-
vides them with a better understanding of
the ways that an illness or injury to one body
cine use all accepted methods of treatment,
including drugs and surgery, D.O.s have
additional schooling and place a special em-
phasis on the body’s musculoskeletal sys-
tem, preventive medicine, and holistic patient
care.
If you are looking for a primary care phy-
sician, who provides quality care for you and
members of your family as well as accessibil-
ity and convenience contact a health care
professional at Meadowbrook Oxford Fam-
ily Practice.
Office hours are 8 a.m. to 6 p.m. Monday,
Tuesday, Wednesday, 8 a.m. to 5 p.m on
Thursday, and 9 a.m. to 1 p.m. on Friday and
Saturday.
Appointments are preferred, but for your
convenience walk in’s are accepted. We are
currently accepting new patients. For infor-
mation call (248) 6282597.

Dr. James Giuliani, D.O. Thrift Store to offer

deals, jobs to Oxford
By C.J. Carnacchio
Oxford is quickly becoming a bargain
hunter’s mecca as the community prepares
Dr. Craig Magnatta, D.O., for the opening of a second large-scale re-
sale store.
F.A.C.O.P. Saturday, Nov. 7 is the target date for
The Salvation Army to open one of its
popular Thrift Stores in the spacious
building once occupied by the now-de-
funct Carla’s Fresh Fruit Market (1200 S.
Lapeer Road).
“It’s a new area for us. We have 25 Thrift
Stores in the metro Detroit area,” said Col-
years have been at least that big,” Kinney
said.
A wide variety of donated items will be
sold at the store including clothing, elec-
tronics, books, furniture, sporting goods,
housewares, jewelry, accessories, shoes,
bikes, appliances, mattresses, bedding and
seasonal items such as lawn mowers and
snowblowers.
“It’s pretty all-encompassing. Think of
it like a Target,” Kinney said. “It’s a won-
derful place to get a wonderful deal.”
Every Thrift Store prides itself on being

Dr. Mathias Weitz, D.O. leen Kinney, director of community relations

Schedule your appointment today
Walk in or call 248-628-2597
385 N. Lapeer Road, North of Burdick St. • Oxford
Appointments Are Available Monday - Saturday
for The Salvation Army, Southeast Michi-
gan, Adult Rehabilitation Center. “We’re
looking forward to being in a new commu-
nity and providing the same high level of
thrift store shopping.”
Back in February, Goodwill, which is not
connected to Salvation Army, opened a re-
sale store at 1500 S. Lapeer Road.
Salvation Army’s Oxford store will oc-
cupy all 22,000 square feet of the former
fruit market.
“Most of the suburban stores that
we’ve been opening in the last five to seven
a fun place to shop. Kinney said
everything’s always organized and the
place is “open to anybody who wants to
bargain.”
Besides being a resale store, the build-
ing will also function as a drop-off site for
the donation of new and gently-used items
from the general public. All donations to
The Salvation Army are tax deductible.
Kinney said the donation center will
probably open sometime in early October,
three or four weeks ahead of the Thrift
Please See SALVATION ARMY on Page 11
 What’s The Biz -- September 2009 9

James R. Porritt, Jr. Trespassing can cost hunters big bucks

ATTORNEY The approaching hunting season gives years.
good cause to remind Nimrods of Michigan's By entering into a written Hunting Lease
30 Years Real Estate Experience Recreational Trespass Statute. Agreement both the property owner and the
Licensed Broker • Chairperson of County Bar R.E. Comm Those who enter the hunter can void mis-communications and
Member American & State Bar R.E. Sections property of another with- spell out details of their understanding.
out consent risk criminal Aside from the compensation to be paid
248-693-6245 prosecution for a misde-
meanor, fines up to
to the property owner, the lease can set the
beginning and ending dates, describe the
SIMPLE WILLS e Fr $500.00, confiscation of
property, and the possi-
area of property covered, require proper li-
censure and compliance with game and fish
• Self directed disposition of assets Con e Init bility of a lawsuit by the laws, and protect people, buildings and live-
sul ia
• Your choice of administrator tati l property owner for dam- stock.
• Your choice of Guardian for minors on ages and actual attorney The lease can limit the owner's liability.
• Your choice of Trust for minors to be set up after your passing. fees. It can permit, restrict or prohibit the build-
“Avoiding Probate” does not justify the cost or inconvenience of setting up a Living Trust and maintaining it for the The statute is one of ing of blinds or tree stands and it can specify
rest of your life. Michigan’s unsupervised probate procedure is inexpensive, uses preprinted forms, avoids formal the few laws allowing the whether the hunter can bring guests with him.
accountings, court appearances, or approval of asset disposition. recovery of the plaintiff’s Attorney James R. By faithful performance the hunter can be
attorney fees. Porritt, Jr. assured of continuing hunting privileges.
A person convicted of a second offense The owner also gets the benefit of a guard
For Sale By Owner risks fines up to $1,000.00 and the loss of against unwanted trespassers.
TRANSACTION Short Sales hunting, fishing or trapping license for 3

• Advice, preparation of Purchase Agreement, Procedures & Negotiations

Mandatory Disclosures & related documents. If You Must Sell Your Home Got a business-related story or blurb
• Coordination of financing, inspections, surveys,
appraisals, title work & closing
And Cannot Without A
Reduction In Your Mortgage you’d like to see in What’s the Biz?
Cash To New Mortgage Transaction 1/2of 1%
Seller Financed Sales 1%
Balance, Call For An
Appointment. Call (248) 628-4801 and
(Land contracts, private mortgages, lease with option)

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

ask for C.J. or Drew.

Please join us in welcoming

Dr. Laura Arbogast to the
POH Regional Medical Center
Oxford Family.
We are proud to have Dr. Arbogast join us
as a well respected Board Certified Internist.
Dr. Arbogast is welcoming new patients.
Call to schedule your appointment today.

385 North Lapeer Road, Oxford

248-628-3000
10 What’s The Biz -- September 2009

China, Japan and our debt: Will other countries keep buying our treasuries?
If China and Japan change their
minds, could the United States have a
problem? Since 1980, the U.S. has im-
ported more than it has exported. It makes
up for this trade deficit by issuing Trea-
sury bonds and other debt instruments.
Foreign governments have long lined up
to buy them.
China holds al-
most $800 billion of
U.S. Treasuries.
That’s the April 2009
figure from the U.S.
Treasury (at this mo-
ment, the most recent
data). In addition, Ja-
pan has $686 billion in
Treasuries. Hong
Kong has $81 billion,
Taiwan $78 billion, Loran Coffman,
Singapore $40 billion, CPhD, RFC is a
India $39 billion, and Representative with
South Korea $35 bil- H. Beck, Inc
lion. Away from Asia, Great Britain holds
$153 billion, Russia holds $137 billion, and
Brazil holds $126 billion. U.S. Treasury
bonds offer these institutional investors
some stability in uncertain times.
Are China and Japan wary of buy-
ing more? Earlier in the decade, China,
Japan and other nations readily bought
Treasuries. From 2004-2008, China spent
as much as 14 percent of its GDP on the
purchase of foreign debt - mostly Ameri-
can debt.
What happened as a result? China, Ja-
pan and other creditor countries got a nice
return on their investment and a strong
export market. We got to buy inexpensive
imports. This kept the dollar strong and
interest rates low.
Now we have two problems that could
potentially sour this relationship. The
economies of China, Japan and other
countries have suffered along with ours
in the global recession. Moreover, the U.S.
has run up a huge budget deficit to ac-
company its trade deficit. Our President
is on record as saying that we may have
trillion-dollar deficits for “years to come.”
Under these conditions, China and Ja-
pan are naturally getting leery of holding
so much American debt (especially when
the Federal Reserve is printing money to
buy it). China needs to pay for its own
$600 billion stimulus package, and Japan
announced a $154 billion stimulus in April.
Tax revenues in both economies have de-
clined with the recession. Government
regulators in China have ordered banks to
direct money this year to local govern-
ments and small- and medium-sized busi-
nesses. All this means China and Japan
aren’t as eager for dollars and Treasuries
as they were a few years ago.
What if other nations stop buying our
debt? There are three potential side effects.
One, interest rates would likely increase
as there would be fewer buyers for Trea-
suries. Two, the dollar could weaken.
Three, long-term bond prices could fall.
Voices on the fringe worry about a sce-
nario in which the central banks of China,
Japan and other nations jettison dollars en
masse or abruptly quit buying U.S. debt.
Realistically, the odds of something like this
happening are slim. These countries would
have nothing to gain by stifling America’s
chances for economic recovery, and these
decisions would greatly harm the world
economy.
Now for some good news. In May, our
trade deficit fell to its lowest level since
November 1999. It shrank 9.8 percent in
May from April levels, defying analysts’
expectations – and offering a hint of eco-
nomic recovery. Our deficit with China in-
creased by $4.4 billion for May, but the
2009 increase is 12.6 percent under last
year’s pace. The U.S. deficit with Japan
reduced to its lowest level in more than
20 years last month.
More good news. Domestic and for-
eign demand for Treasuries is still strong
– in its auction in the first full week of
July, the Treasury quickly sold $19 bil-
lion of 10-year notes, with Treasury yields
hitting 6½-week lows. At least in the short
term, it appears the government doesn’t
have to struggle for buyers to fund its re-
forms and rescue efforts.
Loran S. Coffman is the founder of
Wealth Preservation Strategies, LLC and
may be reached on the Web at
www.WPSinvestments.com, by phone 248-
693-5599, or by email
advisor@WPSinvestments.com.
See “The Science of Financial Health”,
Coffman’s exclusive weekly financial col-
umn on the Web every Wednesday at
www.LakeOrionReview.com.
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.

“Building and Preserving Family Wealth Seniors
Through Investment and Estate Planning Strat- Continued from Page 7
egies” hour and there’s a two-hour minimum. Medi-
• Investment Planning cal insurance doesn’t cover SHS services,
however, long-term care insurance does.
(Stocks, Bonds, Mutual Funds, Although the services form the meat and
CD’s, Annuities) potatoes of the business, they’re not the heart
and soul. That comes from the relationships
• Retirement Planning developed between the caregivers and recipi-
ents. Bob said it’s “pretty amazing” to watch
(IRA, 401K, TSA) two complete strangers “come together and
• Estate Planning instantly bond.”
“There’s a comfort level that’s created imme-
(Wills, Trusts, Etc.) diately when they know that they’re talking to
Loran S. Coffman, CPhD, RFC
somebody who really does understand and re-
• Life Insurance late to what they’re going through,” Dawn said.
Bob recalled an instance in which a
caregiver and client learned they were both
from the same country originally. The
caregiver then made the client a special soup
from their native land.
“She didn’t have to do that,” Bob said.
Your IRA Specialist “She did it because she wanted to.”
It’s the caregivers that really separate SHS
from other in-home services companies.
189 W. Clarkston Road, Building A • Lake Orion
“We love what we’re doing, but we
“They’re everything to our business,”
Bob noted. “They make the difference.”
SHS only hires seniors who have “the
right spirit and the right heart.”
“We want someone who’s really here be-
cause they want to care for somebody. It’s
got to be more than just a job for them,” Bob
explained. “If it’s just a job, then you’re not
going to go there to develop a relationship.
You’re just going to go in there to take care
of a service.”
“Our providers truly feel they receive
more or at least just as much out of this as
they give,” Dawn noted.
Most of SHS caregivers have experience
caring for their own loved ones, are retired
nurses or have a background helping others
through churches or service clubs.
“Our senior caregivers have been doing
this all their lives,” said Dawn, noting they
earn $8.50 per hour.
Those who don’t have a lifetime of expe-
rience needn’t worry. All that’s really required
to work for SHS is a desire to help and a
willingness to develop a relationship with a
fellow senior in need.
“We’re always looking for people who
really share the heart and spirit of Seniors
Helping Seniors,” Dawn said. “There isn’t a

(248) 693-5599 couldn’t do it without the incredible provid-

ers that we have,” Dawn said. “Our caregivers
are amazing.”
“The really cool thing about our provid-
www.WPSInvestments.com • info@WPSinvestments.com ers is they’re doing it because they want to,
Securities Offered Through H. Beck, Inc. Member FINRA, SIPC not because they have to. It’s really impor-
Advisory Services Offered Through M.R. Spencer Advisory Services, LLC tant to us that that basic concept be shared
WPS-Investments, Inc. Is Unaffiliated With H. Beck. Inc. by our caregivers.”
specific training required for the types of ser-
vices we’re providing.”
For more information about SHS please
visit www.seniorshelpingseniors.com.
Those interested are also welcome to call
(248) 969-4000 or e-mail seniors@shs-
mi.com.

Credit cards
& teens
Are Credit Cards a good idea for teen-
agers?
Some people argue that it helps teach
teenagers how to be financially respon-
sible, while others argue that it does just
the opposite – it encourages teens to
spend, spend, spend without understand-
ing the consequences that can occur.
These conse-
quences often
happen when the
payment comes
due and there is
no money to pay
it. Late fees and
sudden interest
rate jumps can oc-
cur due to late
payments, making
it even harder to Carolyn Chevier is
get caught up. Be- president of Lakes
fore you know it, a Community Credit
student may lose Union.
out on admission
to graduate school, an apartment, or even
a new job because of their poor credit
history.
Yet statistics show that 54 percent of
college freshmen carry a credit card and 92
percent of college sophomores carry at least
one credit card. Can this be a good thing?
It can be a good thing if the card is
handled responsibly. Establishing a good
credit history can help set the founda-
tion for teens to have the ability to take
out future loans for a car and even a mort-
gage. Having a credit card can be a step
teens can use to learning how to budget
– making sure their income can cover their
expenses, including credit card pay-
ments! Responsible budgeting is a tool
that may help them avoid financial diffi-
culties as they move forward in life.
The new Credit Card Reform Act will
require people under the age of 21 to have
a co-signer on their credit card, unless
the individual can prove he or she has
the means to make the payments on their
own. In many cases, the co-signer will be
the parent – parents will need to review
their own debts and decide if they can
handle the extra debt if the child cannot
make the payments.
Parents need to teach their kids how
to handle credit cards responsibly, or
seek out alternative education – for in-
stance, at Lakes Community Credit Union,
we have Free Financial Workshops for
teens that cover an array subjects.
Continued far right
What’s The Biz -- September 2009 11
Salvation Army
Continued from Page 8
COLLEGE BOUND? Store.
“Usually what happens is the donation
center opens first,” she said. “It kind of helps
us get the store set up.”
Lakes Community Credit
Revenue generated by the Thrift Store
Union can help you get funds The Salvation Army’s Adult Rehabili-
your financial accounts tation Center program, which helps partici-
established pants learn to live a balanced lifestyle through
work therapy, individual and group counsel-
ing, and the practical application of the Chris-
• Debit Cards
tian faith.
• 1st Car Loans “Our program’s supported entirely
through the Thrift Stores,” Kinney said.
• NO FEE Checking Accounts
“Whether they shop or drop off donations
there, they help the Salvation Army. Through
Stop in and we’ll educate you on the services you our Thrift Stores we provide programs at no
qualify for so you can make the best decision! cost for people in need.”
Those looking for a job should be pleased
Open Your C to learn the Thrift Store plans to hire between
ollege
Bound Acco 20 and 25 full and part-time employees.
unt
before 10/1 Kinney explained the store needs a “core
/09
and you cou group” of full-time staffers with part-timers
ld filling in where needed.
350 N. Park Blvd. (Lapeer Rd.) • Lake Orion Win a $50 The Oxford store should begin hiring later
this month.
248-814-4000 VISA Gift Ca
rd! Watch the store window for a sign indi-
cating dates and times to apply.
Stop In For D
eta ils Once it opens, shoppers will be able to
www.lakescommunitycu.org enjoy the Thrift Store from 9 a.m. to 9 p.m.
Monday through Thursday and from 9 a.m.
Mark Your
to 10 p.m. Friday and Saturday.
4
“You can generally donate (items) any-
time the store is open,” Kinney said.
Those wishing to donate on Sundays,
Calendars
when the store’s closed, will be able to do so
between 11 a.m. and 5 p.m.
3 Great Special Sections Credit cards cont.
That Will Be Sure To The workshop subjects include how
to create a budget, what interest rates
Increase Your Business mean, and what savings and loan prod-
ucts they will be exposed to in the finan-
4 Celebration
of the Horse
cial world.
We also consult our teens when they
come in to open a credit card account with
a qualified co-signer on the details about
our cards so there are no surprises.
Women’s Lakes offers a fixed rate credit card – not
4
a variable rate.
Expo Variable rate means just that – it can vary
over the life of your card - many low intro-
ductory rates jump up to undesirable higher
Oxford Community rates due to variable rates.
4 Schools
The Credit Card Reform Act helps the
consumer to a point – the bottom line is
to read all the disclosures and fine print.
Call Your Ad Representative Today You won’t find any surprises with Lakes
Community Credit Card – we clearly dis-
For More Details close the terms of our fixed rate card. Come
248-628-4801 check us out.
We are your community credit union!
12 What’s The Biz -- September 2009

Anytime. Anywhere.

FREE
• Online Banking
• Online Bill
with eStatements
Payment
• eNotices and eAlerts

Oxford Branch Orion Branch

248-236-8135 248-370-0530
22 Southeast Michigan locations,
find more at www.genisyscu.org

Where you come first.