orion biz, may 2011

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May 2011 -- Whats The Biz -- Lake Orio

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

May 2011 Vol. 4, No.2

Orion Style A monthly collaborative with the Orion Area Chamber of Commerce

Whats theWhats theWhats theWhats theWhats theWhats the

Jesse Moyet and Bonnie Blais have gotsome Detroit Love goin on . . . see whatall the hubbub is in downtown LakeOrion by reading the story on Page 10.

Photo by Gabe Ouzounian.





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2 Whats The Biz -- Lake Orion -- May 2011

Anita Gates

Delventhal President& CEO, A.G. ConsultingServices Inc.

The Lake Orion Review ispartnering with our communityof entrepreneurs and small busi-nesses to help one anotherother succeed.

Join us for a free weekly Cof-fee Club networking event, ev-ery Friday at the Lake OrionCulvers from 7:30 to 9 a.m.

Coffee?

Join the club!

Orion Area Chamber of Commer

2011 Chamber Leadersh

PresidentBill Kokenos

Vice PresidentLoretta Spatafore

uSellOnline

TreasurerElizabeth Meyer

Genisys Credit Union

SecretaryDawn Neely

Seniors Helping SeniorsDirectors

Martha BergquistCoffee News

Carl CyrowskiMichigan Global Solutions LLC

Ron DeLormeManageMax

Performance Improvement

James PorrittAttorney at Law

Neal PorterVette Products

Linda SicklesOrion Township Public Library

Monica SquarciaPNC Bank

Karen UlrichQueensland Marketing

Paul ZelenakVillage of Lake Orion

Alice Young, CPA

Craig ZmijewskiAAA Michigan

Executive DirectorAlaina Campbell

Orion Area Chamber of CommerP.O. Box 484

Lake Orion, MI 48361248-693-6300

[email protected]

248-393-0403www.agconsultingservices.com

Get the help you need. Its easy

Its efficient

Its economical

Its that simple.

Schedule QuickBooks Help

Online 24/7Go to

www.agconsultingservices.com/quickbooks

Answers with Guidance while Committedto providing winning Solutions

Accountants & Tax Advisors

Last day to get your 2007

refund is this April 18In recent years, more and more indi-viduals have decided not to file their in-come tax returns -- for several years!Did you know if you do not file your re-turn within 4 yearsfrom the date it wasoriginally due, the gov-ernment gets to keepyour refund?

Yep, thats right,you just gave themmore of your money.

If you have notfiled your 2007 per-sonal income tax re-turns you have untilApril 18, 2011 to getthem filed without los-ing your refund. If you have lost yourinformation you may call them at 800-829-1040 (7 a.m. to 10 p.m.) to requestyour wage and income information.

They can mail it or fax it to you. TheIRS tries 3 times to fax the informationto you. If the faxes fail, they mail your

information to your last known address(be careful if you have moved). I rec-ommend you have them fax it to you.They send it right over.

Youcannot efile your 2007 return!You must file a paper return with a

postmarked date of April 18, 2011 NOexceptions. I would recommend you alsosend it priority mail with a delivery con-firmation so you have a record your re-turn was sent before or on the due date.

In the future, dont delay in gettingyour taxes done on time. Why give thegovernment more of your money? Keepthe money in your pocket.

Anita Delventhal is President & CEO of A.G. Con-sulting Services Inc. She is a graduate of Oakland Uni-versity, an Accountant, Enrolled Agent with IRS, Ac-credited Tax Advisor, Accredited Tax Preparer, FiveStar Wealth Manager and a Certified QuickBooks

ProAdvisor with 25+ years of experience in the smalland medium sized business arena. Anita is an expert inthe areas of accounting, taxation and business plan-

ning. For more information visitwww.agconsultingservices.com, call 248-393-0403 oremail her [email protected]

The Oakland County Clerks Of-fice Vital Records will still be open forSaturday hours from 10 a.m. to 2p.m.,Clerk/Register of Deeds Bill Bullardannounced. Passport applications willstill be accepted and processed.

Unlike the Federal Government,Oakland County is budgeted 3 yearsahead of time and in great financialshape, Bullard said. Because of thelate nature of the cancellation, I dontwant to waste the time of people whoare planning to take advantage of thefact that we are the only place wherethey can get a copy of their birth cer-tificate and apply for a passport. Wewill be open to serve them asplanned.

Depending on the length of the shut-down, applicants should be aware theirpassport could take a little longer thannormal. However, Bullard said, Nomatter what, the earlier they apply, thesooner they will get their passport. Soit is still just as valuable a service forthe public as it was before the shut-down.

The County Clerk Vital RecordsDepartment will be open to the public

for business/assumed name registra-tions, on-the-spot copies of birth, death,and marriage certificates, marriage li-cense applications, notary services,and concealed pistol license applica-tions. The Oakland County SheriffsDepartment will also be open from 10-2 for the fingerprinting that is requiredfor CPL applications.

County Clerk open

Saturdays -- good

day for passportapplications

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Waste Managements Eagle Valley Re-cycling and Disposal Facility received cer-tification of its wildlife program in Octo-ber of 2010 from the Wildlife HabitatCouncil (WHC) at the organizations 22ndAnnual Symposium in Baltimore. The fa-cility is part of a national Waste Manage-ment program that protects animal andplant species on 25,045 acres at 103 sitesaround the country.

The Eagle Valley Recycling and Dis-posal Facilitys recognition was one of 30new Wildlife at WorkSM certifications,three new Corporate Lands forLearningSM (CLL) certifications, 22Wildlife at Work recertifications, and sevenCLL recertifications that WHC awardedWaste Management programs this year.With these certifications, Waste Manage-ment surpassed its goal to have 100 certi-

fied programs and 25,000 protected acresten years ahead of plan.

WHCs Wildlife at Work program pro-vides a structure for corporate-driven co-operative efforts between management,employees and community members tocreate, conserve and restore wildlife habi-tats on corporate lands. The CorporateLands for Learning program promotes theuse of certified company lands for hands-

on environmental education by school andcommunity groups.

The Eagle Valley Recycling and Dis-posal Facility in suburban southeast Michi-gan includes about 45 acres of land avail-able for wildlife habitat. The facility hasbecome a popular tour destination forlearning about modern waste managementpractices and sustainability. To help stu-dents learn about the importance of con-

necting with nature, the wildlife teamplanted and maintains a pollinator gardenin collaboration with a variety of commu-nity members; daily monitoring of the pol-linator garden as well as wood duck andbat houses installed at the site is performedby WM staff throughout the year.

Community outreach and public edu-cation are continuous priorities for thewildlife team. The local chapter of the

Audubon Society utilizes the facility toconduct an annual Christmas Bird Count,and staff at Eagle Valley are happy to boastabout the turkey vulture they rescued in2008. The turkey vulture, named EvaOrion, now helps educate communitymembers in Muskegon, about the impor-tant work that they do. Turkey vulturesare the garbage men of the bird world asthey consume all the things that other crea-

tures leave behind.From environmental protection to w

life habitat preservation to green enproduction, we see all of our fundamebusiness opportunities as being relatesustainability, said Chuck Cassie, SeDistrict Manager of Eagle Valley Rcling and Disposal Facility.

Our teams effort at Eagle Valleycycling and Disposal Facility are a cr

to our company, and this work was insmental in helping us reach our sustainabgoal to enhance wildlife habitat at oucilities, he said.

Eagle Valley also earned the WManagement Environmental Excelleaward for the Michgian-Ohio Area aball other facilities in the Midwest Reg

To read more please visit www.wm.cwm/community/whc/index.asp

Waste Management recognized for wildlife program

The 2011 North OaklandCaregiver & Senior Expo is Thurs-day, May 26 from noon to 5 p.m. atKings Court Castle in CanterburyVillage

Sponsorship and vendor opportuni-ties available. Contact the OrionSenior Center at 248-693-2066 formore information.

Lots of fun at the

Family Fun Fest, April 28The 18th Annual Family Fun Fest

is Thursday, April 28 from 5:30 to 8p.m. at the Community EducationalResource Center, 455 East ScrippsRoad, Lake Orion.

This free event provides anopportunity for families to learn aboutthe available area resources andhave fun together. Featuring commu-nity agencies, local businesses, cottoncandy & popcorn, local fire andpolice department, train ridges,inflatables, arts and crafts and more.For more information contact theLake Orion Early Childhood Depart-ment at 248-693-5439.

Lake Orion Optimist ClubLake Orion Area Optimist Club

seetings are the first Thursday of themonth, 7:30 a.m. at Times SquareRestaurant and the third Thursday ofthe month, 4:30 p.m at Gs Pizzeria.Business owners, educators, commu-nity leaders, retirees, professionals andcitizens are all invited. For moreinformation contact KatherineBaumann at 248-505-3067

In search of school suppliesPremier Self Storage is collectingschool supplies for children whom

desperately need them at JeffersonWhittier Elemntary School in Pontiac.

The Organization/business thatcollects the most supplies by May 19will win a FREE party (dinner, dessertand bocce ball) at Palazzo di Bocce inOrion.

Blood drivePremier Self Storage will also have

a free recycling/BBQ event and blooddrive on Thursday, May 19 from noonto 6 pm at their facility at 100 PremierDrive and Lapeer Road. For a schoolsupplies collection box please contactMary at

[email protected] 248-276-9200.

1,000 conversations1000 Converstations About

Mental Health in Lake Orion willmeet on Thursday, May 5, 6:30 pmat Lake Orion High School down-stairs in the Kiva. All are welcome.Contact Karen Hudson at 248-391-1352 for more information.

Kiwanis golfingKiwanis Club of Oxford-Orion

Golf Outing on Friday, June 3.Sponsorship opportunities areavailable. For more informationcontact Ed Hunwick at (248) 969-0152 or Carol Mitchell at (248)884-1133.

Farmers MarketThe Lake Orion Farmers Market

will begin Wednesday, June 1 and beevery Wednesday from 2-7 p.m. untilSeptember 28 at 93 S. Anderson indowntown Lake Orion next toChildrens Park. For more informa-tion check out their website atwww.lakeorionfarmersmarket.com.Come shop for fresh, locally grownproduce and products.

Bits & Pieces2011 North Oakland

Caregiver & Senior Expo

The Orion Area Chamber of Cmerce is offering a $1000 acadescholarship to a graduate of Lake OHigh School pursuing 2 or 4 year degat a verified college or communitylege.

The applications and all eligibilityquirements are located at the Lake OH.S. Counseling Office. The Orion AChamber of Commerce will presentaward to the qualified student at the Hors Convocation on June 6, at L.O.H

We at the Orion Area ChambeCommerce are proud to be part of Community and hope that by offeringscholarship, we will enhance students experience in further educatWe also hope that by doing this, weentice some of our students to returLake Orion and settle here with tfamilies in the future. Obviously, wthe Orion Area Chamber of Commare looking for future businesses topart of our great organization.

The deadline for submitting the pawork for this scholarship is May 6.

Please pass this information alonfriends or relatives so that as many dents as possible can take advantag

this opportunity.

Students:the deadline

for scholarshipis May 6

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

Licensed Real Estate Broker Past Chair of OCBA Real Estate CommitteeMember of American and State Bar Real Estate Sections

James R. Porritt, Jr.

248-693-6245

Serving Orion and Oxford AreasSince 1973

ATTORNEY

Real Estate Transactions and

Troubled Mortgage Relief

SIMPLE WILLS Self directed disposition of assets

Your choice of administrator

Your choice of Guardian for minors Your choice of Trust for minors to be set up after your passing.

Avoiding Probate does not justify the cost or inconvenience of setting up a Living Trust an

maintaining it for the rest of your life. Michigans unsupervised probate procedure

inexpensive, uses preprinted forms, avoids formal accountings, court appearances, or approv

of asset disposition.

Free InitialConsultation

New landlord tenant statu

James R. Porritt, Jr.,Attorney,OACC member

Is Your BusinessRelevant?

Does everybody in town know you exist?Why should anybody use your business over your competitors?

Just before the November 2010 elec-

tions the Michigan Legislature made ef-fective a new statutegoverning the relationsbetween Landlordsand Tenants of resi-dential property.

A Tenant who issubjected to domesticviolence and is put infear if they remain inthe leased residence,can vacate and be ex-cused from theirrental obligation for the balance of thelease.

In order to qualify, the Tenant m

provide either a valid personal protecorder or an order removing an abuperson from a home, a valid probaorder, or a written police report thatresulted in criminal charges.

The release of the rental obligadoes not take effect before the Tenactually vacates. The Landlord canpursue a claim for unpaid rents agaanyone else who may be liable, so itbe advisable that Landlords obtainsignors or guarantors on new leases

The particulars of the law can be foat MCL 554.601(b).

The Tuesday/Thursday class at Sunny Day Preschool in Lake Orion, celebrated their

20th anniversary in March. Children and families of Sunny Day Preschool did a MiniMarch to raise funds for Cystic Fibrosis. According to Sunny Day Preschool DirectorCindy Winther, they raised $521 for this worthy cause!

Oxford Bank, and Cintas will host afree shredding event on Saturday, May7, from 1 to 4 p.m. It will at the banksOxford office, located at 60 S. Washing-ton St. in downtown. For more informa-tion, call 248-628-2533.

This project highlights the banks on-going efforts to provide resources to theentire community for the prevention ofidentity theft and fraud.

According to the Federal Trade Com-mission, more than nine million Ameri-cans are victims of identity theft or iden-tity fraud every year. The majority of IDtheft occurs when the thief has directcontact with the victims personal infor-mation, through a stolen or lost wallet,rifling through a mailbox or trashcan, or

even lifting documents from inside ahome or business. It is a devastatingcrime from which it can take victimsyears to recover. Secure destruction ofpersonal documents is the first step inidentity protection.

This is Oxford Banks third shreddingevent. The last event in Clarkston, onSeptember 11, 2010 produced 5.24 tonsof shredded and recycled paper; equat-

ing to the preservation of 89 trees.

Participating individuals and businessescan shred credit cards, pre-approvedcredit offers, insurance forms, chargecard receipts, paycheck stubs, credit ap-plications, personal documents listing so-cial security numbers, and more.

Free shredding at Oxford Bank, May 7

Raised over $500!

The Oakland County Business FinanceCorporation (BFC) now offers small biz achance to refinance their mortgage debt.Under a program backed by a new refi-nancing loan from the U.S. Small Busi-ness Administration (SBA), small busi-nesses that face maturity of their com-mercial mortgages or balloon paymentsbefore Dec. 31, 2012, may be eligible forassistance. BFC loan officers can bereached at 248-858-0765 to determine eli-gibility or answer any questions.

This is a powerful tool the OaklandCounty Business Finance Corporation hasat its disposal to protect jobs and keep our

small businesses afloat, Oakland CountyExecutive L. Brooks Patterson said. Werealize that even small businesses perform-ing well and making their payments on timecould face foreclosure because of diffi-culties in refinancing and restructuringtheir mortgage debt.

Structured like the SBAs traditional 504loan, borrowers must commit at least 10percent equity and work with third-partylending institutions and SBA-approved Cer-tified Development Companies in the stan-dard 50 percent/40 percent split. The pro-gram does not require an expansion of thebusiness to qualify.

Pilot program for commercial real estate refinancing

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FULL SERVICE AUTO REP

Brake Service

Tune-ups Air Condition

591 South Lapeer Road Lake O

248-693-1488

BRAKE

Lifetime GuaranteExpires 5-31-11

MaintenanceCheckup

Most VehiclesExpires 5-31-11

Pads or shoe

Most VehicleChange Oil & Filter,

Rotate Tires, Check Brakes

$2995 $899Pe

WE DO THAT

Lake

Orion

BusinesOwner

...Did YouKnow That

Not Only DoeSherman

Publications, I

PublishAward-Winni

Newspaperwe also offe

QUALIT

PRINTIN

SERVICE

Call or Stop In

30 N. BroadwayDowntown 248-693

Flyers Brochures Men Envelopes Business Forms Business Cards and Mor

The Lake Orion Rev

Indian Lake ApartmentVillage248-391-3040

J & L Rustic Cabins248-628-6087

JMC Communities, Inc.248-690-7831

SpringHill Suites byMarriott248-475-4700

Waldon Lakes Apts.248-391-5500

INDIVIDUALS

Bill Kokenos248-802-5521

Bill Peterson248-535-7787

INDUSTRIAL

Guinn Industrial Center248-693-4432

Kay Automotive Graphic248-377-4999

INSURANCE

AAA MichiganCraigZmijewski Agency248-393-7702 x224

AllstateSpano Agency248-391-3272

Americas BusinessBenet248-906-0342

Downey KingPhipps248-628-2565

State FarmBill KirchnerAgency248-693-2464

Various InsurancePlanning248-393-3146

INVESTMENTS &FINANCIAL PLANNING

Ameriprise FinancialServices248-865-2517

Financial Benets Group248-371-0300

Michigan Financial

Companies248-933-0568

Stelman & Associates, LLC248-693-3430

LANDSCAPING

Orion Stone Depot248-391-2490

LOCAL GOVERNMENT

523 District Court248-853-5553

Charter Twp. o Orion

248-391-0304 x101Mike Gingell,County Commissioner248-728-7133

Village o Lake Orion248-693-8391

MEDICAL SERVICES

Assoc. Foot Clinic248-693-8400

Bald Mountain MedicalPharmacy248-814-9814

Beaumont Hospital248-964-1807

Frances Berg, MA LPCOakland PsychologicalClinic248393-0555

Crittenton HospitalMedical Center248-652-5000

Crittenton MedicalEquipment248-693-5384

Guest House248-391-4445

James Bauer, MD248-693-4271

Lake Orion Nursing& Rehabilitation248-693-0505

Orion Family Physicians248-693-3551

Orion Medical Center,Dr. Nashwan Yousi248-693-8634

POH Medical Center248-338-5000

Pro. Hearing Clinic248-693-2600

Treeside PsychologicalClinic248-693-9614 x61

Waldon Family Medicine248-391-9090

Willows Edge Counseling& Art Center

248-814-0614

MOVING & STORAGE

1800Pack Rat248-276-2358

Lake Orion Sel Storage248-814-8040

National Storage CenterSouth248-391-1470

National Storage CenterNorth

248-393-1307Premier Sel Storage248-276-9200

NEWSPAPERS & MEDIA

Lake Orion Review248-693-8331

Stickradt Media Group248-884-1051

The Oakland Press2487454526

PHYSICAL THERAPY

HealthQuest PhysicalTherapy

248-393-7707PhysiotherapyAssociates248-814-0500

PLUMBING & HVAC

Comort King248-909-1484

LO Plumbing & Heating248-693-4775

Oxord Orion PlumbingHeating and Cooling248-969-8100

Turner Sanitation248-693-0998

REAL ESTATE

Coldwell Banker ShooltzRealty248-628-4711

Michigan GlobalSolutions248-343-2215

RESTAURANTS

Bualo Wild Wings248-814-8600

Caseys Chicken248-391-1000

Christis Bar & Grill248-693-6224

CJs Lakeside Grill &Sandbar248-693-8704

CulversLake Orion248-276-2222

Gs Pizzeria393-0000

Hamlin Pub248-814-8109

Hole in One Bagel248-391-6771

Italia Gardens248-628-4112

Jets Pizza248-814-7559

Kings Court Castle248-391-1900

Kruse & Muer on theLake248) 814-9500

Oscars Bar & Grill

248-393-8600Palazzo di Bocce248-371-9987

Pizzarifc248-393-3600

Poppyseed Deli &Fountain248-693-6041

Tubbys Sub Shoppe248-693-4600

Valentinos248-814-1100

RETAIL & CONSUMERSERVICES

Costco Wholesale248-648-0020

Great Lakes Crossing248-454-5010

Kmart248-693-6252

LO Window Treatments248-693-0124

My Pic Photography248-217-0559

Sweet Lane FudgeFactory248-393-3340

Three Dog Books248-430-4580

TwiceBlessed

248-693-3800

The UPS Store248-814-7781

uSellonline Ebay Spec.248-421-1839

Vacuum Works

248-393-9950

SENIOR SERVICES

Alliance Senior Care248-274-2170

American House Village248-853-6000

Hope Senior Apts.248-628-7676

Independence VillageWaterstone248-236-8300

Legacy o America248-377-9569

Orion Senior Center

248-693-2066Seniors Helping Seniors248-969-4000

Visiting Angels248-693-6567

SHIPPING &TRANSPORTATION

Superior LogisticsSolutions866-757-1780

SPORTS

Basketball America248-693-5858

LipSpot Gymnastics& Cheer248-340-1910

Curves o Orion248-393-3119

Great Lakes Athletic Club248-393-3085

L. A. Dance248-393-1339

Powerhouse Gym248 693-0300

Vert Village BMX248-425-3836

VISION CARE

Eye Health Proessionals248-693-2321

For more information about the

Orion Area Chamber of Commerce,

visit www.lakeorionchamber.com

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By Phil CustodioSpecial Writer for The Review

Orion (Oxford, Clarkston andOrontonville) Coffee Club members havebeen making connections together for overa year. Now its time to spread the word tothe rest of the community.

Theyll have that chance at the inaugu-ral Coffee Club Expo, 4-8 p.m., Thursday,April 28, at Clarkston United MethodistChurch, 6600 Waldon Road.

More than 50 area businesses signedup, offering computer, attorney, insurance,automobile, nutrition, wellness, counseling,restaurant, and many other services.

Tom Kiihr, owner of Signs Now -Waterford, provides signs for the expo, withretractable banners, tabletop displays, andother products.

Everything we do is custom its not aone-size-fits-all industry, said Kiihr, booth46. The Expo is a great idea for commu-nity.

John Weiler and other members of NorthOakland Business Network will be atBooth 33, offering life insurance, real es-tate, reverse mortgage, travel, documentshredding, financial management, and otherservices.

Its a great idea to develop business this is a great group here, Weiler said.

Rob Schroeder, specializing in home

repair, paint, and other maintenance ser-vices, plans to just bring himself.

My services speak for themselves,said Schroeder, Booth 40. When all is saidand done, thats what its all about.

The Coffee Club and Expo are goodways to support local businesses, said JohnMathers of Mathers Insurance, Booth 32.

I find more and more people care aboutthat, Mathers said. I love the CoffeeClubs the people are fantastic.

Gary Zirwes, health coach and Nutriliterepresentative, offers certified organic foodsupplements.

These are a hundred percent guaran-teed to work, he said. Im excited about

the Expo. Im looking forward to it. Its agood way to grow your business, bring thecommunity in and support businesses in ourown community.community in and support businesses inour own community.

Organized by The Lake Orion Reviewand and LakeOrionTV.com, the Expo is forresidents to sample local businesses andstart their own networking.

As with the Coffee Club meetings, the

From left, Norm Pardo, Mark Kelly, and Matt Crandall work on the layout of the upcoming Coffee Club Expo.Photo by Phil Custodio

Expo has no rules or regulations, said JillMitchell, one of the organizers.

Everyone is encouraged to bring busi-ness cards and network, whether signedup with a booth or not, Mitchell said.

We want everyone to come down, shesaid. This is something Sherman Publica-tions is doing for the community. Its a greatway to meet all the interesting small-busi-ness owners from all around here, meetyour neighbors, make friends. Thats thewhole idea. Its a win-win for everybody.

You dont have to get a booth, no fees,nothings required, just come down and passout your cards, said Norm Pardo, orga-nizer.

Local government agencies and all non-profit groups are also encouraged to par-ticipate, Pardo said.

Were looking for police, fire depart-ments, the Optimists, SCAMP, Rotary, anynon-profit organization that wants to comepass out information, Pardo said. We want

all of them to come down and meet people.Lets have coffee.

A table directory is posted atCoffeeclubexpo.com, as well as contact in-formation for everyone whos attended anyof the Coffee Club meetings over the pastyear more than 600 in all.

Its going to be an exciting four hours,said David Thompson, who joined theClarkston Coffee Club late last year to shareinformation about his video production,postproduction, and consulting businesses.

Its a great opportunity to meet local busi-ness owners, develop relationships, and getyour message out.

The Expo is an important way to con-nect with the community and let peopleknow what services are available, said Jus-tin Morgan.

Its surprising how many dont knowwhats out their back door most look inthe phone book, Morgan said. To be suc-cessful, you have to make sure people

know about you by working together the community. Connections do maWere all in this together.

For more information, chCoffeeclubexpo.comor call 248-628-4

The Coffee Club is sponsored byLake Orion Review, and hosted eachday at Culvers Restaurant of Orion. Abusinesses owners, managers and enpreneurs are invite to the weekly netwing meetings.

Were sorta like the hippie networ

group, Review assistant Publisher Rush said. We have no rules except bplay nice with each other! There aremandatory meetings. No mandaamount of referral. It doesnt cost anythbut we do ask for a dollar to be donatedthe coffee. Its about building relationshour businesses and our community starting the day off on a great note.

Regular meetings are from 7:30 to 9

Community invited to Coffee Club Expo

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May 2011 -- Whats The Biz -- Lake Orion

Now is a great time

to get back in a home

Carolyn Chevrier,President, LakesCommunity CreditUnion, OACC member

4

Mark Your

Calendars3 Great Special SectionThat Will Be Sure To Increase Your Busine

Call Your Ad Representative Today For More Details

248-628-4801

4 Flower Fair Home &Garden Marketplace

4

4Lake OrionBusiness Expo

May 4The Lake Orion Review & The Oxford Leader

The Big DealMay 4

Ad-Vertiser

May 11The Lake Orion Review & The Oxford Lead

Did you recently have to leave yourhome due to job loss or other financialsituation? Are you tired of renting andwant to be a home owner again?

Homes are now at some of the low-est prices in recenthistory and NOW is agreat time to get backto owning a home!

Before you startlooking at homes onthe market, there area couple of things youneed to consider.First, save some

money for a downpayment. Youfllneed to create a bud-get and make somespending changes to stick with it. Sincemost mortgage lenders are not doing100% financed mortgages anymore, youwill likely need at least a 10% to 20%down payment to get a mortgage.

Next, rebuild your credit. If you filedbankruptcy or had a foreclosure due tojob loss or another reason, it will be harderto get a mortgage. Start rebuilding yourcredit with a small credit card or autoloan. If you get a small credit card

donft charge more than 30% of its limitand try paying it off every month. Thisestablishes a new pay history which lend-ers review before making a decision re-garding your loan and helps to bring upyour credit score. In general, high creditscores earn you desirable loan interestrates. Also be sure to pay your bills ontime.

Be sure to show steady employmenton the job for one to two years. Thistells lenders that you have been earningincome over a period of time and thatyou have a stable job time.

Following these steps should provide

you with a road map on getting a mort-gage loan, so you can get back into ahome.

Whether you are looking to buy yourfirst home, or return to home ownership,Lakes Community Credit Union strivesto help our members get into the homeour their dreams. We offer mortgagesalong with our partner Mortgage Centerthat can fit into any budget.

Please call us at 248-814-4000 or visitus online at lakescommunitycu.org. Any-one living working, worshipping in Oak-land County is eligible to apply for mem-bership.

Edward Jones opensAbout 15 people were on hand last month to welcome Edward Jones to Lake Orion. A Ribbon Cuttingwas March 23, for the new business located at 214 S. Broadway Street. The office was opened byLake Orion grad, Grant Fodor. Pictured, from the left, are Lake Orion Downtown DevelopmentAuthority Administrative Coordinator Tracy Woodrum, Orion Area Chamber of Commerce DirectorAlaina Campbell, Elise Fodor, Grant Fodar, Danielle Savard, DDA Director Suzanne Perreault, andDDA Board Chairperson Gene Carlson.

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