oxford biz nov 2010

8/8/2019 Oxford Biz Nov 2010

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Whats The Biz -- November 201

BIZBIZWhats theWhats theWhats theWhats theWhats theWhats theWhats theWhats the

November 2010 Vol. 5 #11

Oxford Areas Monthly Business News & Info

Oxford resident JohnBradshaw did pumpkin

carving demonstrations atHarvest Time Farm Market

(1125 S. Lapeer Rd.)Photo by C.J. Carnacchio.


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2 Whats The Biz -- November 2010

Trade thethings

they no longeneed

for cash in theClassifieds.

Oxford LeadeThe

248-628-4801Fax 248-628-9750

oxfordleader.com

Hey

Oxford!!The Oxford Leader for 52 Weeks -

$30 in Oakland Countyoxfordleader.com or

call 248-628-4801

By C.J. CarnacchioBiz Editor

Officials are always saying that the Vil-lage of Oxford is a great place in which to dobusiness. Well, now they have a universitystudy to back up their boast.

On Tuesday, the village was recognizedas one of the top 55 communities in the en-tire state, according to the 2010 eCities project.

Oxford was one of 28 communities givena five-star rating. The remaining 27 munici-palities achieved four-star ratings.

I thought that was really something tobe proud of, said Madonna Van Fossen,executive director of the Downtown Devel-opment Authority.

eCities is an annual study that examinescommunity factors that influence entrepre-neurship, economic development and jobgrowth in cities, townships and villages.

Conducted by iLabs, which is the Uni-versity of Michigan-Dearborns Center forInnovation Research, the studys primarypurpose is to understand and share the bestpractices for entrepreneurial growth.

The communities who receive star hon-ors are obviously some of the best communi-ties in Michigan to do business, said Timo-thy Davis, director of iLabs. Its actuallysomething were quite proud of recogniz-ing these communities as places that are fo-cused on understanding what it takes forentrepreneurs and small businesses to growinside them and help Michigans overalleconomy.

As a five-star community, Oxford sharedthe spotlight with Ann Arbor, Troy,Northville, Novi, Royal Oak, Southfield and

Frankenmuth to name a few.To Van Fossen, earning this honor indi-cates theres a lot of communication be-tween the businesses, the DDA and the vil-lage council.

Its a business-friendly community, shesaid. We offer a lot of resources for our busi-ness, from training to partnering with largercorporations. I imagine our partnership withRelume (Technologies) had a big impact.

Based in Oxford, Relume is an LED light-ing manufacturer that the village has workedclosely with to obtain grant money and ret-

Oxford ranked among best places to do biz Its all about entrepreneur-ship and economic growthin downtown Oxford.Photo by C.J. Carnacchio.rofit street and parking lot lights with more

energy-efficient LED systems.

A total of 112 communities from acrossthe state were surveyed for this years eCitiesstudy, which constituted the largest numberof participants since the research project be-gan in 2007.

These communities represented a third ofthe states population, according to Davis,and are home to 128,242 entrepreneurs whoearned $3.4 billion in annual income. Thesecommunities also had $1.2 billion in commer-cial development last year and account fornearly half the states commercial property.

Its actually a pretty impressive group,Davis said. Were pleased to have Oxfordas part of that group.

Unlike other entrepreneurial indexes,eCities examines growth at the communitylevel.

Using data supplied by participants as wellas public records, the annual research projectassembles a six-factor, 30-item index.

The study examines things such as taxrates and incentives, changes in businessactivity and commercial construction, theuse of economic development tools by lo-cal government, socioeconomic and culturalfactors such as crime rates and householdincomes derived from self-employment, andthe education levels of residents.

The growth factor was an area whereOxford was one of the stronger communi-

ties, Davis noted. They saw some growthlast year.Information for the eCities study was pro-

vided by Van Fossen and village ManagerJoe Young, both of whom answered a seriesof questions and participated in phone in-terviews with researchers.

The communitieswho receive starhonors areobviously some of

the best communi-ties in Michigan todo business.

Timothy Davis,director of iLabs.


3/12

Andrew Hunterof Edward Jones


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TO HELP YOU CREATE ANINVESTMENT STRATEGYWELL CONSULT WITH AN EXPERT - YOUWhile markets and lifestyles may change, its likely your lonterm financial goals have not. Thats why its so important ttake advantage of our free portfolio review at least once everyear. Together well assess how changes in your career, aspirationand goals can impact your investments and discuss whetheadjustments are necessary to help keep you on track to wheryou want to be long term.

Call your local Edward Jones financial advisor today to schedule you

free review.

If you have young children, or even if youjust have some in your neighborhood, youknow they will soon acquire large amountsof free candy, obtained by im-personating witches, vam-

pires and other scary crea-tures. As an adult, of course,youre unlikely to encountertoo many monsters after Hal-

loween ends. Yet as you gothrough life, you will find somethings that are truly alarming such as scary investment moves.

Here are a few of these frightful actions: Investing too conservatively You

could try to avoid investment risk by puttingall your money into very conservative invest-ments. However, as youre probably aware,those investments typically pay very little inthe way of interest, so your money couldactually lose purchasing power, even with amild rate of inflation.

Investing too aggressively Just as

investing too conservatively can be coun-terproductive, so can investing too aggres-sively. Obviously, you would like your moneyto grow, but the investments with the high-est growth potential are usually also those

that carry the greatest risk to your principal. Putting too much money in too few in-

vestments If you put too many of yourinvestment dollars into just one or two types

of assets, and a downturn hits those assets,your portfolio will probably take a big hit.

Waiting too long to invest As an in-vestor, your biggest asset may be time. Themore years in which you have to invest, the

greater the likelihood that you can makeprogress toward your important financialgoals.

Its no treat to be tricked by

scary investment moves Taking a timeout from investing

During periods of significant market volatil-ity, such as weve seen the past few years,you might be tempted to take a timeoutfrom investing and stick all your money into

very conservative vehicles until everythingblows over. But the financial markets willnever be totally calm, nor will they be pre-dictable. Market rallies can start unexpect-

edly; if youre not invested when that hap-pens, you may miss out on growth opportu-nities.

Ignoring tax-advantaged investment op-

portunities When you invest in a tax-de-ferred investment account, such as your401(k) and a traditional IRA, your money hasthe opportunity to grow faster than it wouldif it were placed in an investment on whichyou paid taxes every year. If you arent con-tributing to your 401(k) and you haventopened an IRA, youre missing out on a greatchance to build resources for retirement.

To make sure you dont fall victim to these

scary investment moves, you need onlylow a few simple principles.

First, take the long view you wilups and downs in the short term, but hiscally the market has performed well ove

long term.(Keep in mind, though, that past pe

mance is not guarantee of what will hapin the future.)

Second, diversify your holdings amovariety of investments.

Diversification, by itself, cannot guatee a profit or protect against loss, but it

help reduce the effects of volatility.Try to build a diversified portfolio b

on your risk tolerance, time horizon and lterm goals. And finally, consider booyour 401(k) contributions whenever salary increases and fully funding your each year.

Halloween comes but once a year, but sinvestment moves can haunt you for a life so take the right steps to help avoid th

By C.J. CarnacchioBiz Editor

Between the deafening noise and speed-ing traffic, downtown Oxford isnt exactlythe most inviting place to take a leisurelystroll while doing some shopping.

But Anna Taylor is on a mission tochange all that and make downtown a safer,friendlier place for folks who arent travel-ing via motorized vehicle.

Weve gotten to the point where wehave healthy, successful businesses intown and I think that one of the things wedefinitely need to improve on right now isour pedestrian traffic, she said. Our pe-destrian traffics not healthy. We need todo something to improve that perception.

Taylor, who owns Pink & Charlie (14 S.Washington St.) and serves on the Down-town Development Authority board, isworking to get the village and DDA in-volved in the Complete Streets movement.

Complete Streets policies aim to ensurethat when engineers and planners designor renovate roadways, they do so to ac-commodate all users, not just motorists.Other users include pedestrians of all ages,bicyclists and people with disabilities.

On Aug. 1, Gov. Jennifer Granholmsigned a pair of Complete Streets bills intolaw. These laws mean the Michigan De-partment of Transportation (MDOT) isnow required to consider all roadway us-ers in all phases of road project planning,development and construction.

As a merchant and DDA board mem-ber, Taylor believes increasing

downtowns walkability is key to increas-ing economic development and making thebusiness community more prosperous asopposed to simply surviving.

Right now, Taylor said the walkabilityin downtown Oxford is quite lacking.

Between speeding cars and large trucksslamming on their brakes, she said manypeople dont feel safe walking or crossingthe street. Plus, the noise is awful.

But make no mistake, Taylor is not say-ing she wants to get rid of all the traffic.

We dont want the traffic to go away,she said. The traffic is a blessing. Thetraffic brings business, she said. We justwant it safe for our pedestrians. We wantit quieter and calmer, so that when theyare experiencing the downtown, theyrenot afraid and they dont feel like theyre

going to be blown off the sidewalk.In order for this to work, Taylor wants

the community to get involved in the dis-cussion and give their input.

Dan Burden, the nations most recog-nized authority on walkability and otherroad/pedestrian planning elements, will begiving a presentation for the Oxford com-munity from 6-7:30 p.m. on Wednesday,Nov. 10. The location has yet to be deter-mined.

Merchant on missionto make downtown

more walkable


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Confused about credi

card processing fees?Business owners ask me all the timewhy the contract they signed with an-other processor is more expensive thanthey expected.

The answer lies in themany types of process-ing fees a processor cancharge.

It is confusing, andbecause there are somany credit card pro-cessing fees to look forit is easy to misinterpretthe fees.

Rarely, it seems, are all fees andminimums revealed in one place. Manymerchants sign contracts that first ap-pear low cost and upon execution, turnout to be pricey.

Similarly, expensive sounding solu-tions may actually be all inclusive andin an apples to apples comparison,turn out to be better for the merchant.

Merchants are generally lured in with

discounted rates but are ultimacharged more.

The advertised rate will apply oto a certain type of card or will chidden surcharges.

Some possible fees are applicafee, yearly membership, set-up feecess fees, statement fee, discount raddress verification, transaction feethorization fees, monthly minimucancellation fee and chargeback fe

At Take Charge credit card procing, we try to minimize these costsfully explain all charges.

Taking credit cards does increase enue by 12-15 percent (Dunn Bradstreet).

Shopping for a good processor is worth the time and effort for your cpany.

Contact Jim Keaser, President, TCharge at 248-797-0432 or vwww.takingchargecards.com

Jim Keaser

Rush to your boyfriends wardrobe to find the looksof the season!

It is nothing new that women flirt with the male ward-robe. Marlene Dietrich, the German movie Diva fromthe 1930s was the pioneer for this style by introducingthe once typical male suit to the women everyday dress-ing style, revealing then a sensuality not so obvious butsuper attractive.

Be it on the everyday looks, be it dressed for a party,the biggest secret to dive into the fashion trend is to knowto balance the two distinct realities.

Wide shoulders blazers are now warming up the tailormade pants and are starting to appear over rufflesdresses.

Excellent choice with cuffed jeans, this outfit trans-forms itself into a perfect partner to the girlie tops.

As for the shirts, they are growing in length and showa sensual way by transforming themselves into dressessimilar to tunic jackets, gaining a lot of femininity.

Rush right now to the wardrobe of your boyfriend orbrother and take from there the inspirations for the sea-son that is about to start.

Stop anytime at Ella Fashion in downtown Oxford tosee the amazing and fabulous collection that has just ar-rived for the beautiful autumn days.

Looks of the season canbe found in mens closets

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5/12

A word from

the president

a column byRick Laidler

Committed to promoting,

enhancing business prosperity

for our members.Call 248-628-0410 or visit us online at

www.oxfordchamberofcommerce.com

News from

the director

a column byHolly Bills


If you didnt read last weeksIf you didnt read last weeksIf you didnt read last weeksIf you didnt read last weeksIf you didnt read last weeks

Oxford LeaderOxford LeaderOxford LeaderOxford LeaderOxford Leader, you dont know, you dont know, you dont know, you dont know, you dont know

what youve missed!!!what youve missed!!!what youve missed!!!what youve missed!!!what youve missed!!!

Hey, Oxford!!

52 Weeks for $30oxfordleader.com or

call 248-628-4801

Fall is in the air and what a great time tolive in Michigan and enjoy the Indian sum-mer and the changing of the colors.

We are lucky to live insuch a beautiful state.

But in order to stay hereand survive we need to helpsupport our local busi-nesses.

TheGirlfriends Walk thathappened on October 16 isa good example of businesshelping business andfriends helping friends that

was supported by our Com-munity.

We need to continue thistype of support year round.

It is time to get ready for the ChamberChristmas Parade schedule for Saturday, De-cember 4 at 2 pm.

This years theme is Candy Canes &Christmas Carols.

Now would be a good time to start yourplanning for your float or entry and let theChamber know that you are going to partici-pate in the parade.

Every year the parade gets bigger andbetter with the support of the communitybringing more people downtown.

The sooner the Chamber knows that youare going to be in the parade the better for us

to make plans and it is only 5 weeks or about30 days before the parade.

The Chamber is electing 4 new boardmembers to the board of directors.

We have six candidates to choose fromand we want to thank all of them for runningfor the board.

It is a lot of hard work but is well worth theeffort to see the Chamber succeed.

Thank you for your continued support.

Christmasparade is fastapproaching

In the past few months I have been sing with you some of the benefits of joithe Oxford Chamber.

To recap, the Oxford Chamber of Cmerce offers you netwing opportunities thromembership luncheonter hours, and breakmeetings, the Oxford Chber of Commerce promyour business through come packets handed othe Township hall to residents, and right hethe Oxford Leader BIZtion, through did know and feature artiand the Oxford ChambCommerce helps build

tegic partnerships among their memberthat each member can be aligned with obusinesses that share their same interespartners that help their businesses grow

So if those are not enough reasonsyou to join the Chamber let me share you a recent national study that revealedmembership in a chamber of commercesignificantly boost a businesss image amconsumers, as well as other businesses

In a scientific survey of 2,000 U.S. adThe Schapiro Group, an Atlanta-based tegic consulting firm, found positive pertions of chamber members in a numbareas, including overall favorability, sumer awareness and reputation, and lihood of future patronage.

The study showed that when respdents were told that a particular businessa member of a chamber, they were 44 permore likely to rate it favorably than srespondents who were not told of the chber affiliation.

Respondents were also 63 percent mlikely to want to purchase goods or servfrom a small business that is a chamber mber.

When you join the Oxford ChambCommerce you join a team of dedicated bness owners, Directors, and Board Memwho want to work with you and for you

To join the Chamber call 248-628-04visitwww.oxfordchamberofcommerce.codownload a membership application!

At the Oxford Chamber of Commerceour goal to ensure that our members VAexceed their INVESTMENT!

Lets recap

what theChamberhas to offe

The successful business people I knoware always looking for ideas that work!

Great ideas and solutions that really

work are what I share with my custom-ers.Whether the topic is sales; customer

service; or people management (i.e.,employee recruitment, testing, training,motivation, advancement, etc.), I knowmany proven approaches that havehelped small and billion dollar companiesto be successful. My services and pro-grams will work for you because all myservices are customized to address thespecific needs of YOUR business andYOUR employees!

Maybe you need 1-on-1 coaching foryou or a staff person! Maybe you need abullet-proof New Employee Orientationprogram. Maybe you need a 2-day train-

ing program that is interactive, fun andGUARANTEED to get results! Maybecommunication and teamwork are notwhat they should be. Or, maybe you needpolicies, procedures and management tools(like Performance Appraisals) that EN-SURE that every employee performs atthe highest levels of quality and produc-tivity.

If you are looking for educational andperformance improvement programs, youwill find that I am an enthusiastic and mo-tivational presenter who makes evencomplicated topics easy to understand.If you have heard me speak to groups,you know that my presentations are heavy

on content, low on filler, motivational, funand filled with useful tools!As a professional trainer, educator and

speaker, I thoroughly research every topicbecause I sincerely respect myaudiences intelligence and their invest-ment of time. Perhaps, that is why I havereceived ratings of Excellent from smallwork groups to very large audiences atCobo Hall in Detroit and the Palace ofAuburn Hills.

Chamber member profile:

Manage Max for success

My services and programs are VERYaffordable! My rates and fees are WAYBELOW the rates charged by others inmy field. I keep my fees BELOW theprevailing rate because I am dedicated tomaking my services affordable to smalland medium-sized companies! I have builta very strong reputation for helping myclients to find the fastest, least expensiveway to address their concerns!

Ill do the same for you! And, Cham-ber of Commerce members ALWAYSreceive a Discount!

If you have a question, a businessproblem or just an idea you want to kickaround with someone else, contact me.Helping business people think throughtheir next great idea is part of what I do.My goal is to help you get results! Andthe sooner we start, the sooner you will

reach your goals!Contact me now...our first discussion

is FREE...you have nothing to lose andeverything to gain!

Ronald DeLormeManage Max Performance Improve-

mentP.O. Box 1025Clarkston, MI [email protected]

Ronald DeLorme


6/12


Did you know?Did you know that The Goddard School School in Ox-

ford is hosting its 2nd Annual Moms Night Out of shop-ping Thursday, November 11 from 7-9 p.m.

We are having local vendors at the school so you canget a jump start on your holiday shopping.

Area restaurants are offering food and drink specials soyou can enjoy an evening of shopping and eating! Formore information please call the school at 248-628-6268.

That Don Harrison just had his 25th anniversary withCommunity Insurance Center? Don started with Commu-nity Insurance Center back in October 15th 1985. Call Don

and congratulate him on his FIRST 25 years!!

The Oxford Chamber of Commerce can be your onestop shop for information. If you are looking for a service,store, or product be sure to call the Chamber office first!There are 233 members that belong to the Chamber and wecan help you find the perfect fit for any store, service, orproduct. You can also go online to our directory atwww.oxfordchamberofcommerce.comto see an entire list-ing for all businesses in the Chamber.

Reliable Boat Repair Mobile Marine Service will coout to your home to shrinkwrap or winterize your boat you! Its fast, convenient, and affordable. Call today 8245-2489 to schedule your appointment, or go onliwww.reliableboatrepair.com

For only $10.00 you can save money at 62 local bunesses! Go to www.oxfordvipcard.org and buy your Oford VIP card! It only takes a minute to buy and will months worth of savings!

The Oxford VIP card makes a great gift for anyone wlives in Oxford. Businesses include but are not limited

hair salons, restaurants, retail shops, and other servicsuch as plumbing/heating/boating, and more! BecomeOxford VIP card member now!

If you are a Chamber member you can submit a 50 wodid you know about your business or an upcoming evfor FREE. Deadlines are the 2nd Wednesday of the monand must be e-mailed to the Executive [email protected]

We couldnt have asked for better weather for the

Womens Expo on Saturday, October 9, although we werecompeting against the Michigan and Michigan State gamewe still had around 250 women that came out to support ourevent and over 40 vendors!

We also raised $580 for the POH Riley Foundation, anorganization that offers FREE mammograms to any personwithin Oakland County.

Special thank yous go to Lynette Smith, with POH Re-gional Medical Center, Lisa Wilkins the owner of the His-toric White Horse Inn, and Chris Hoard with Sherman Pub-lications for chairing and co-chairing the event.

Thanks also go out to Lisi Decampos, owner of Ella Fash-ion for helping out before, during and after the event. Morethank yous go out to our volunteers for the day, OxfordWomens Club for helping at the Luxury Raffle table, KevinWisely with Genisys Credit Union, Tim Walker with H&RBlock, Pat and Allen Schwartz with Mr. Appliance, ScottKeller with Primerica and Rick Laidler with Communtiy In-

surance for helping before and during the event.Thank you to the Oxford Middle School staff and princi-

pal Dacia Beazley for helping coordinate the school and theEquestrian Team and boosters for providing the food for theday!

Everyone put in a lot of time and hard work to make thisevent happen, not only during the event, but also beforeand after, however the Womens Expo still would not havebeen possible without the support of the women that cameout to be a part of the event, the vendors that were there orthe sponsors that contributed, so a very special thank yougoes to all those that supported the event by being a spon-sor, a participant, a guest speaker, or one of the many womenthat bought a pink ribbon in honor or memory of a lovedone, your contribution and support was greatly appreciated.

Thank you to the Oxford Chamber of Commerce WomensExpo Sponsors.

Womens Expo draws 250 ladies

Mr Appliance Wiches Historic White Horse Inn Ferguson Heating & Cooling Reliable Boat Repair Individual Ribbons Sold Community Insurance Kids Corner Downey King & Phipps Coffee News Margots Gallery Tool Sport & Sign

H&R Block Villa DeGoochi Sweet & Savory Paint Creek Country Club Collier Lanes Patterson Pharmacy Send Out Cards Oxford Home, Garden & Pet Burdick Street Landscape Filak CPA

Thanks to ourPink RibbonSponsors:

Platinum Sponsors:

Media Sponsor:

Speaker Sponsor


7/12


Ageless Day Spa & SalonAgeless Day Spa & Salon

November Calendar

Check out whats happening in November:November 18 Ladies Night OutWhere: Paint Creek Country Club

When: Thursday, November 18thTime:5:30pm-9:00pm

****November 19 Coffee Talk (Facilitated

Networking)Where:Community Room, 22 W. Burdick St.When: Friday, November 19thTime:9:30am-10:30amCost: FREEAnyone can attend this meeting, it is free,

coffee and donuts are provided. Please RSVPby calling 248-628-0410

Save the date!Friday, December 3 will be the Oxford

Downtown Tree Lighting Ceremony.

Held in Centennial Park the event will fea-ture local community choirs, the OxfordHighschool Marching Band, hot chocolateand cookies, and a restaurant holiday stroll!

For more information please contact theDDA at 248-770-8587

Saturday, December 4will be the annualOxford Chamber of Commerce Christmas pa-rade.

The theme this year will be Candycanesand Christmas Carols.

To participate please call the Chamber of-fice at 248-628-0410 to receive an application.

There are no good reasons for not join-ing the Chamber:

No time for it - all the more reason togive your financial support to those who areworking on your behalf. Cant afford it - mem-bership costs less per day than your dailycup of coffee and lunch.

Im just a little guy - the best way togrow is by supporting your Chamber of Com-merce.

Not interested cant be true. You areinterested in the community. You are inter-ested in developing a prosperous business.You are interested in improving the economy.You must be interested in the Chamber ofCommerce.

The Chamber is a resource to manypeople and organizations locally, regionally,and nationally.

People call the Chamber before they dial411.

People call the Chamber before they usethe Yellow Pages.

People call the Chamber to obtain infor-mation on Businesses.

People go to the Chamber to find outwho Community Leaders are.

People go to the Chamber for Demo-graphic Information.

Hopefully it is clearer now, that there arefar more reasons to become a Member thannot to. It just makes good business sense.Wehave another exciting year planned for ourChamber Members, join us again and giveyour business the chamber advantage!


8/12


Victorias Delights was one of the sixparticipating restaurants in the ChiliChallenge held on Oct. 2 in conjunction withthe Oxfords Downtown Scarecrow Festivaland took first place with their white beanchicken chilli! Congratulations VictoriasDelights and thanks for participating in theChambers Chili Challenge!

Thank you also to the 24th Street Tavern,Ox Bar and Grill, Red Knapps, The OxfordTap, and Wiches

Thank you also to the exclusive Sponsor:Genisys Credit Union.

A special thank you goes to Tim Walker,owner ofH&R Blockand KevinWisely, with

G e n i s y sCredit Union for chairing and co-chairing thisevent, and the dedicated volunteers that cameout to help serve: Ron Davis with the OxfordTownship Parks & Recreation, Rick Laidler,with Community Insurance, Scott Keller withPrimerica Insurance, and Allen Ryckman withGoodwill Industries.

A little rain, but still a lot of fun, thanks tothe Oxford Community that came out tosample the six restaurants chilis and for vot-ing for the best one!

Oakwood Wedding Chapel celebrated theGrand Opening of its new reception centeron Saturday, March 27, 2010.

Our brides are elated with our new re-ception room, says Anne Marie Roop, ownerof the historic Oakwood Wedding Chapel,and the room is perfect for any type of cel-ebration for up to 120 guests. Were bookingfamily reunions, graduation parties and busi-ness gatherings.

The new reception center is located adja-cent to the historic wedding chapel which isnestled on four rolling acres.

The elegant dcor of the new facility isclassic contemporary with a nod to thechapels rich history.

The room has warm metallic gold shim-mering walls and can be set with round orbanquet tables. The remodeled bathroomshave slate floors and marble countertops,said Roop.

Located less than 50 miles north of De-troit, Oxford radiates that small-town feel andthe historic chapel hosts all of the modernamenities, including strategically and dis-creetly placed video cameras to capture the

special day.

To accommodate the growing demandsof todays bridal parties for one-stop shop-ping, building out the new reception centerwas an easy decision.

We have been hosting breathtaking out-door receptions on our property and now wecan offer receptions during Michigan win-ters, said Roop who is also a wedding plan-ner.

Oakwood Wedding Chapel offers com-plete wedding coordinator packages, full ca-tering services, and tuxedo rentals.

Thanks to their close relationships withother local service providers, Oakwood Wed-ding Chapel bridal parties can take advan-tage of special pricing on photography, wed-

ding cakes, horse and carriage rentals, tan-ning, and tent rental, to name a few.

The reception center is also available forrental for special events, such as birthdayparties, anniversaries and reunions.

About Oakwood Wedding ChapelOakwood Wedding Chapel is located at

2750 N. Baldwin Road in Oxford, Michigan.For more information, visit

oakwoodweddingchapel.com or call (248)

431-7556.

Oakwood Chapels receptioncenter is elegant, spacious

Victorias Delights wins

Chamber Chili Challenge Genisys Credit Union recently launchedeDeposit and Mobile Banking, two new ser-vices that let Genisys members access theiraccounts when and where they want.

Our goal is to provide members withproducts and services that make their liveseasier, said Jackie Buchanan, Chief Execu-tive Officer. Being able to manage theirGenisys accounts from a mobile phone or ahome computer helps them save time andmoney.

eDeposit is a new concept that allowsmembers to use a standard scanner to de-posit checks to their Genisys accountthrough online banking. Its a quick, easyand secure way to deposit funds at no costto the member.

We know our members have busy

lifestyles so eDeposit is a great option thatlets them choose when to do their bank-ing, said Michelle Mattson, Account Man-agement Manager.

Genisys also introduced Mobile Bank-ing to their list of product offerings for mem-bers to do banking via text, mobile browser,downloadable app or iPhone application.

Members can transfer money, view ac-count balances, review transaction historyand locate a surcharge-free ATM or shared

Genisys introduces new

electronic conveniencesbranch. In addition, members can use oiPhone application to check rates, calclate payments and use a robust ATMbranch finder that can function by zip coor GPS location.

We use the best practices from onlibanking to provide both security and a vriety of features for mobile phone usersenjoy, said Buchanan. We want our mebers to benefit from using these electronconveniences.

For more details about the products aservices available at Genisys, check otheir website at www.genisyscu.orgor cotact your local brancGenisys Credit Union is glad to be partyour community, and we truly believe thGenisys is where you come first.

We are locally owned, locally controlland continue to be an award-winning oganization for financial safety and sounness. Follow our community involvemeon Facebook at www.facebook.cogenisyscuand Twitter at www.twitter.cogenisyscu to find out whats going onyour neighborhood.

A calendar of events can also be fouon our Web site at www.genisyscu.org .

Victoria Connolly,owner of VictoriasDelights indowntown Oxford.


9/12


HEALTHY SMILE CENTER

Personalized Gentle CareFor The Entire Family

248-969-4840MarthaVega-Crist,DDS

New Modern Office WithState-of-the-Art Equipment

9 N. Washington

(M-24 - Lapeer Rd.) Oxford

For All Your Family Pharmacy Needs

Patterson

Prescription Pharmacy

Tim Davidson, R.Ph.

1 S. Washington St. Oxford

248-628-2538 Fax 248-628-0721

CreativeEmbroideryComputerized Embroidery & Monogramming

Custom Designs, Personalized GiftsBusiness, School & Team Logos Varsity Jackets

10 E. Burdick St. Oxford

248-628-9531

The BLUEBUTTON

on our website

links YOU to allof our PICTURES

Go To oxfordleader.com 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 and

maintaining it for the rest of your life. Michigans unsupervised probate procedure isinexpensive, uses preprinted forms, avoids formal accountings, court appearances, or approval

of asset disposition.

Free InitialConsultation

By James R. Porritt, Jr.From the perspective of a person

ing into a business venture, the creof a new business entity provides a nber of advantages.

The most appealing advantage ishield that entity provides to the indivifrom personal liability. Persons doing b

ness with these entare forewarned bywords "incorporat"corporation," "cpany" or "limited liabthat they must look tassets or income ofentity for any remea dispute should ari

Many such entitie

undercapitalized or a single asset, or areempty shells for the

eration of a business.When selling or leasing real prop

to a business entity, the seller or landshould insist on a personal guaranty. Lto or investments in business entshould similarly be secured against theof failure.

Use caution whendealing with entitie

In this world, on this very day, there is alot of victims who suffer from emotionaltrauma. That is what motivated Jeff Papadelisto discover how to help people who haveexperienced anger, sadness, fear, or guilt on aregular basis.

So what I started looking at is, what do Ineed to do to help people release their emo-tions. We all have emotions, we all have feel-ings, and we always will. But what is crip-pling to us is when we continually relive anegative experience from our past. Perhaps avictim of child abuse, divorce, military trauma,loss of a loved one, loss of job or income.Said Jeff Papadelis. The reality is, that itdoes alter our lives, because when we gothrough something like that, we start seeing

ourselves as being less than who we are, itcompromises our self worth, our values, some-times, our image of who we are, perhaps evenour identity. Some describe it as being in anemotional prison.

After years of travel and studying Jeff dis-covered NLP & Time Line Therapy .

These Techniques work like magic in help-ing clients overcome past trauma. Jeff hasused these techniques successfully in help-ing people let go of negative emotions, nega-

tive memories, limiting beliefs and creatcompelling, fulfilling future.

Many people who experience NLTLT describe the results as a feelinbeing set free from the past, where theygo forward and enjoy life as it is meant t

We are living in an evolving worworld that is starting to recognize that etions and feeling are very real.

Ten years ago the American Medicasociation stated that Negative emotionsplay a role in the development of diseas

Today we know we know that negemotions severely impairs our immunetem and our bodies ability to heal itself.

So its not just about our emotionsfeeling better. If you are interested in imp

ing your health, a good place to start, ising control of how you feel on a daily bNLP and Time Line Therapy techni

are specifically created to assist you ining just that. Heal your past, live yopresent and create the future you deser

Jeff Papadelis is the founder of Unscious Influence. His company offers Cecation Trainings, one on one sessions asas online self help downloads. 810-728-8www.unconsciousinfluence.com

Unconscious Influence cahelp you overcome traum

Break Free From Your Emotional Trauma

Eliminate Your Negative Emotions In Hours Not Days,

Weeks or Years - Results Guaranteed

Call Unconscious Influence For Pricing and Availability

810-718-8106 or visit us at www.NLPHome.com

You have suffered long enough. Living with an EmotionalTrauma is more than a challenge. It can be like living in an

emotional prison, Some days it can feel completely

overwhelming. You owe it to yourself to get back to living thelife you deserve.

No More .... Uncontrolable AngerNo More .... Severe AnxietyNo More .... Overwhelming FlashbacksNo More .... DepressionNo More ....Trauma Related NightmaresNo More .... Difficulty in Falling Asleep & Staying AsleepNo More .... Exerated Startled ResponseNo More .... Persistent Avoidance

Effective Treatment For: PTSD Divorce Loss of a loved one Loss of a job or income Combat exposure Rape Childhood abuse Sexual molestation Fears Phobias Depression Anxiety Stress

Physical attack Natural disasters Mugging Robbery Civil conflict Car accident Plane crash Terrorist attack Kidnapping Life threatening medical diagnosis and other emotional events

Upcoming Events:

One on one sessions Available by appointmentRelease Negative Emotions Workshop - November, 2010 Oxford

7 Day, NLP, Time Line TherapyTM, and Hypnosis Certification TrainingNovember 27 - December 3, 2010 - Auburn Hills

Attorney JamesR. Porritt, Jr.


10/12


John M.Khoury, DDS

Oxford SmileCenter

Were The #1 Choice...Come Experience the Difference.

6 a.m. to 8 p.m. Monday - Friday 8 a.m. to Noon SaturdayQuick Scheduling Most Insurances Accepted

Dan Garr, MPTOXFORD

53 S. Washington St.

248-236-0035

Our Specialties

Include: Neck & Back Pain Headaches & Migraines Shoulder, Hip & Knee Pain

Post-Surgical Rehabilitation Total Motion Release

Auto, Sports & Work Injuries Foot & Ankle Sprains & Strains Hip & Knee Replacement Rehab Elbow Conditions Womens Health

Educational Presentations TMJ Total Motion Release

Free

Consultations

Every decision about care at HealthQuestPhysical Therapy and Wellness Center isbased on professional judgment and clear,ongoing communication with the patient.

The therapist will also keep in contact withthe primary care physician or specialist be-ginning with an initial evaluation and con-tinue until recovery is complete.

A patient at HealthQuest is always treatedas a unique individual and never just a num-ber on a chart. The facility owners are allphysical therapists and are committed to pro-viding the highest quality attention possible.

At HealthQuest you will find one veryimportant difference.

Each patient will receive personalized,hands-on care each visit from a licensedphysical therapist at all locations.

Heres what Vince Adragna, of Oxford, hadto say Im a 72-year-old member of theOxford Senior Softball Team and have beenworking out at HealthQuest for four years. Ihave noticed improved speed and flexibility

as well as fewer injuries and this directly re-lates to my regular workouts. I highly recom-mend an off-season workout program for any-one involved in any level of sports.

With innovative treatment programs, it ispossible for HealthQuest therapists to pro-vide unique combinations to further speedyrecovery. With years of experience and state-of-the-art equipment, a patient will be able toquickly resume their lifestyle, possibly at anenhanced level.

Education is a very important part of the

Compassionate, energeticcare offered at HealthQues

HealthQuest therapy experience. Each pais given specially structured exercises toform at the facility and at home.

I have had therapy several times throout my life. I can honestly say this exence with HealthQuest has been amazingstaff is always kind and welcoming and I learned more from my therapist Lori than

therapist I have ever worked with, saidtient Maureen P.Along with self management strate

and close communication with their phcian or specialist, it is always the goHealthQuest to help each person live afree of pain. Simply put, their goal is goal - to get each person back to living lithe fullest.

The Oxford location of HealthQuest icated at 53 S. Washington St. Call todayour free evaluation at 248-236-0035.

Halitosis is an oral condition identifiableby consistently bad breath. Understandingthe causes of halitosis is the first step to treat-ing this almost always preventable condition.

Halitosis has many origins:Certain foodsDiet

plays a large role in oralhealth, including yourbreath. Garlic, onions andother foods are absorbedinto the bloodstream, trans-fer into the lungs and ex-pelled in the air throughbreathing. Until a food iseliminated by the body, it hasthe potential to affect yourbreath.

Periodontal diseaseAprimary symptom of gumdisease is foul breath and an unpleasant tastein the mouth. Periodontal disease requires im-mediate care by an oral health professional.

Poor oral healthcarewithout proper

brushing and cleanings food can remain inyour mouth and breed bacteria which cancause odorous breath. Unpleasant odors canalso result from food collecting on teeth, gumsand tongue.

Breathing patternsContinuous breath-ing through the mouth instead of the nosecan cause dry mouth which can contribute to

Hello Fresh Breath, Good-bye Halitoshalitosis. Dry mouth (xerostomia) is a sigcant decrease in saliva productions somouth is unable to cleanse itself and remfood particles. Xerostomia can also be ca

by medications or a salivary gland disoImproperly cleaned denturesDent

have the potential to collect bacteria and particles resulting in bad breath if not perly cleaned.

Tobacco productsCigarettes, cigsmokeless tobacco and snuff can stain tand put the body at risk for a host of disas well as contribute to bad breath.

Medical conditionsBad breath caan indicator or symptom of a respiratorfection, diabetes, a gastrointestinal disoor a liver or kidney disorder. Consult physician.

Good oral healthcare prevents halitTreatment of bad breath primarily depon the cause but proper brushing, flossin addition to regular exams and cleanhelp remove the bacteria that cause

breath.For more information call (248) 969-SM

or visit www.OxfordSmileCenter.comKhoury supports the local community programs such as Halloween candy back, Donated Dental Services, elemeneducational visits and support of schoolletic programs.

1120 S. Lapeer Rd. Oxford, MI 48371

OxfordSmileCenter.com

John M. Khoury Jr., DDS

Zoom! Teeth Whitening - Brighter Teethin One Hour

Invisalign - The Clear Alternative toBraces

Cerec - One Visit Crown Treatments Evening and Saturday Appointments Exams, Cleanings, Veneers, Natural

Looking Fillings & More

248-969-SMILE

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

Annual Halloween Candy Buy-Back

Participants receiveGoodie Bag

New Toothbursh$1 for every pound of candy

Monday, November 1

5:30 pm -7:30 pm

Parents (of participatingkids) are entered to win a

$100 gift card to aKruse and Muer restaurant

Go WildcatSp ec i a l

For every newpatient that saysGO WILDCATSOxford Smile CenterWill Give$25totheOxfordHigh

SchoolAthleticBoosters


11/12


4

Mark YMark YMark YMark YMark Yourourourourour

CalendarsCalendarsCalendarsCalendarsCalendars3 Great Special SectionThat Will Be Sure To Increase Your Busine

4

Call Your Ad Representative Toda

For More Details

4

4

248-628-4801

Womens ExpoSeptember 29

The Oxford Leader & Lake Orion Review

Celebrat ionof the Horse

September 22Metamora, Dryden & Hadley

All Things AutumOctober 21

The Oxford Leader & Lake Orion Review

Carolyn Chevier,

president

LakesCommunityCredit Union

Talking to your

kids about moneyYou can help your children prepare

for the future by giving them the toolsthey need to survive and do well in theworld and environment in which theylive.

In the United Statesof today, that meanshelping them understandthe value of and the con-cepts of earning, using,saving and investingmoney.

Parents often don't

teach children aboutmoney for several rea-sons.

Sometimes theydon't think it's neces-sary. Sometimes theyfeel that, since they are not "financialexperts," they are not qualified to dis-cuss it.

Robert T. Kiyosaki, in his bestsell-ing book, Rich Dad, Poor Dad, givesthe analogy of an agricultural societywhere children are not taught the ba-sics of farming.

Whether we like it or not, money iscentral to the lives of people in our coun-try today. Therefore, it's important to

give our children the basic understand-ing they need.Just like squirrels that spend the

summer storing away food for the win-ter, people need to put away some ofthe money they have now to have it later.

Teaching kids to save a little moneyeach week to pay for a large ticket itemthat they want (bicycle, computer,iPod), or so that they will have spend-ing money of their own to use on thefamily vacation, can help them under-stand the importance of budgeting theirmoney.

Let your children save up for a rela-tively short-term purchase so they canexperience the pleasure of being able tobuy something on their own after hav-ing controlled their urge to just spend it.

Some kids don't learn how to ap-preciate money if they get everythingthey ask for.

Give them some leeway, togetherwith guidance, in how to spend theirearnings, gifts, and allowance.

At the same time, know where youpersonally want to draw the line. What

will you buy for them, and what willthey have to pay for themselves?

Some children want clothes in ex-cess of what their parents deem neces-sary.

Others are caught up in fads, suchas collections and music, and just "haveto have" a new item every few days.

These are areas of parental discre-tion and may change as the child growsolder. But, whatever you do, make surethere are at least some things your chil-dren will have to pay for themselves.

Teach your children to "pay them-selves first" by putting away part of theirearnings and gifts.

Another approach is to have yourchild can open two accounts. One canbe to save for a large purchase, such asa musical instrument or equipment, andanother for the faraway future.

When a child accrues enough sav-ings to purchase the object, you havetaught him an important lesson: savingis really worth it.

And as the money grows in the far-away future account your child will seethe benefits of savings towards a downpayment on a car or having money forcollege.

When your kids feel comfortabletalking to you about money, you'll haveestablished an important bond that willgrow in years to come as your childmakes career and investment decisionsas an adult.

Lakes Community Credit Union canhelp you with the task of teaching yourchildren the basics of handling money.We offer free 1.5 hour classes to teensin our community.

Your teen can learn more aboutmoney by coming to Lakes CommunityCredit Union's Teen Financial Workshopon Oct. 28 at 6 p.m. at our Lake Orionbranch.

The workshop will be covering top-ics such as the importance of havingfinancial goals, establishing a good creditscore, getting into good savings habits,and understanding different financialproducts along with any associated in-terest rates and terms.

Please call 248-814-4000 ex 4060to reserve your seat.

Get your children off to a goodstart!


12/12


Whereyoucomefirst

22 Southeast Michigan locationsfind more at www.genisyscu.org

up to 60 months

Oxford Branch248-236-8135

Fast, Easy Approvals Excellent Personal Service

*Rates and terms may vary depending upon credit qualifications, age of collateral,

payment protection package, and AutoPay from checking or savings account.

*

oxford biz nov 2010

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