What’s The Biz -- November 2010 1

BIZ
What’s the

November 2010 Vol. 5 #11

Oxford Area’s Monthly Business News & Info

Oxford resident John

Bradshaw did pumpkin
carving demonstrations at
Harvest Time Farm Market
(1125 S. Lapeer Rd.)
Photo by C.J. Carnacchio.
2 What’s The Biz -- November 2010

Oxford ranked among best places to do biz
By C.J. Carnacchio
Biz Editor
Officials are always saying that the Vil-
lage of Oxford is a great place in which to do
business. Well, now they have a university
study to back up their boast.
On Tuesday, the village was recognized
as one of the top 55 communities in the en-
tire state, according to the 2010 eCities project.
Oxford was one of 28 communities given
rofit street and parking lot lights with more
energy-efficient LED systems.
A total of 112 communities from across
the state were surveyed for this year’s eCities
study, which constituted the largest number
of participants since the research project be-
gan in 2007.
These communities represented a third of
the state’s population, according to Davis,
and are home to 128,242 entrepreneurs who
It’s all about entrepreneur-
ship and economic growth
in downtown Oxford.
“The growth factor was an area where Photo by C.J. Carnacchio.
Oxford was one of the stronger communi-
ties,” Davis noted. “They saw some growth
last year.”
Information for the eCities study was pro-
vided by Van Fossen and village Manager
Joe Young, both of whom answered a series
of questions and participated in phone in-
terviews with researchers.

a five-star rating. The remaining 27 munici-
palities achieved four-star ratings.
“I thought that was really something to
be proud of,” said Madonna Van Fossen,
executive director of the Downtown Devel-
opment Authority.
eCities is an annual study that examines
community factors that influence entrepre-
neurship, economic development and job
growth in cities, townships and villages.
Conducted by iLabs, which is the Uni-
versity of Michigan-Dearborn’s Center for
Innovation Research, the study’s primary
purpose is to understand and share the best
“The communities
earned $3.4 billion in annual income. These
communities also had $1.2 billion in commer-
cial development last year and account for
nearly half the state’s commercial property.
“It’s actually a pretty impressive group,” who receive star
Davis said. “We’re pleased to have Oxford
as part of that group.” honors are
obviously some of
Unlike other entrepreneurial indexes,
eCities examines growth at the community
level.
Using data supplied by participants as well
as public records, the annual research project the best communi-
ties in Michigan to
assembles a six-factor, 30-item index.
The study examines things such as tax

practices 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. “It’s actually
something we’re quite proud of – recogniz-
ing these communities as places that are fo-
cused on understanding what it takes for
do business.”
rates and incentives, changes in business
activity and commercial construction, the
use of economic development tools by lo-
cal government, socioeconomic and cultural
factors such as crime rates and household – Timothy Davis,
incomes derived from self-employment, and
the education levels of residents. director of iLabs.

North Oakland Dental Group

entrepreneurs and small businesses to grow
inside them and help Michigan’s overall
economy.”
As a five-star community, Oxford shared
the spotlight with Ann Arbor, Troy,
Northville, Novi, Royal Oak, Southfield and
Frankenmuth to name a few.
To Van Fossen, earning this honor indi-
cates “there’s a lot of communication be-
tween the businesses, the DDA and the vil-
lage council.”
“It’s a business-friendly community,” she
said. “We offer a lot of resources for our busi-
Trade the
ness, from training to partnering with larger
corporations. I imagine our partnership with things
Relume (Technologies) had a big impact.”
Based in Oxford, Relume is an LED light-
ing manufacturer that the village has worked
they no longer
closely with to obtain grant money and ret- need
for cash in the
Hey
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 It’s no treat to be tricked by
What’s The Biz -- November 2010 3

Merchant on mission
to make downtown

scary investment moves

more walkable
By C.J. Carnacchio
Biz Editor
Between the deafening noise and speed-
ing traffic, downtown Oxford isn’t exactly
the most inviting place to take a leisurely
stroll while doing some shopping.
But Anna Taylor is on a mission to
change all that and make downtown a safer,
friendlier place for folks who aren’t travel-
ing via motorized vehicle.
“We’ve gotten to the point where we
have healthy, successful businesses in
town and I think that one of the things we
definitely need to improve on right now is
our pedestrian traffic,” she said. “Our pe-
destrian traffic’s not healthy. We need to
do something to improve that perception.”
Taylor, who owns Pink & Charlie (14 S.
Washington St.) and serves on the Down-
town Development Authority board, is
working to get the village and DDA in-
volved in the Complete Streets movement.
Complete Streets policies aim to ensure
that when engineers and planners design
or 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 Granholm
signed a pair of Complete Streets bills into
law. These laws mean the Michigan De-
partment of Transportation (MDOT) is
If you have young children, or even if you
just have some in your neighborhood, you
know they will soon acquire large amounts
of free candy, obtained by im-
personating witches, vam-
pires and other scary crea-
tures. As an adult, of course,
you’re unlikely to encounter
too many monsters after Hal-
loween ends. Yet as you go
Andrew Hunter
through life, you will find some of Edward Jones
things 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 putting
all your money into very conservative invest-
ments. However, as you’re probably aware,
those investments typically pay very little in
the way of interest, so your money could
actually lose purchasing power, even with a
mild rate of inflation.
• Investing too aggressively — Just as
investing too conservatively can be coun-
terproductive, so can investing too aggres-
• Taking a “timeout” from investing —
During periods of significant market volatil-
ity, such as we’ve seen the past few years,
you might be tempted to take a “timeout”
from investing and stick all your money into
very conservative vehicles until everything
“blows over.” But the financial markets will
never be totally calm, nor will they be pre-
dictable. Market rallies can start unexpect-
edly; if you’re 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 your
401(k) and a traditional IRA, your money has
the opportunity to grow faster than it would
if it were placed in an investment on which
you paid taxes every year. If you aren’t con-
tributing to your 401(k) and you haven’t
opened an IRA, you’re missing out on a great
chance to build resources for retirement.
To make sure you don’t fall victim to these
scary investment moves, you need only fol-
low a few simple principles.
First, take the long view — you will see
ups and downs in the short term, but histori-
cally the market has performed well over the
long term.
(Keep in mind, though, that past perfor-
mance is not guarantee of what will happen
in the future.)
Second, diversify your holdings among a
variety of investments.
Diversification, by itself, cannot guaran-
tee a profit or protect against loss, but it can
help reduce the effects of volatility.
Try to build a diversified portfolio based
on your risk tolerance, time horizon and long-
term goals. And finally, consider boosting
your 401(k) contributions whenever your
salary increases and fully funding your IRA
each year.
Halloween comes but once a year, but scary
investment moves can haunt you for a lifetime
— so take the right steps to help avoid them.

TO HELP YOU CREATE AN

now required to consider all roadway us- sively. Obviously, you would like your money
ers in all phases of road project planning, to grow, but the investments with the high-
development and construction.
As a merchant and DDA board mem-
ber, Taylor believes increasing
est growth potential are usually also those
that carry the greatest risk to your principal. YOU CAN’T STRATEGY,
INVESTMENT CONTROL
THE WORLD,
downtown’s walkability is key to increas- • Putting too much money in too few in-
ing economic development and making the
business community more prosperous as
vestments — If you put too many of your
investment dollars into just one or two types
WE’LL CONSULT WITH AN EXPERT - YOU.
opposed to simply “surviving.” of assets, and a downturn hits those assets, While markets and lifestyles may change, it’s likely your long-
Right now, Taylor said the walkability BUT YOU CANhaveCONTROL YOUR
why DECISIONS
your portfolio will probably take a big hit. .
in downtown Oxford is “quite lacking.” • Waiting too long to invest — As an in- term financial goals not. That’s it’s so important to
Between speeding cars and large trucks
slamming on their brakes, she said many
vestor, your biggest asset may be time. The take advantage of our free portfolio review at least
Sometimes the market reacts poorly to world events, but once every
more years in which you have to invest, the
people don’t feel safe walking or crossing
greater the likelihood that you can make
year. Together we’ll the
just because assess howreacts
market changes in your
doesn’t meancareer, aspirations
you should.
the street. Plus, “the noise is awful.” Still, if current events are investments
making you feeland
uncertain about
But make no mistake, Taylor is not say- progress toward your important financial and goals can impact your discuss whether
ing she wants to get rid of all the traffic. goals. your are
adjustments finances, you should
necessary to helpschedule
keep youa complimentary
on track to where
“We don’t want the traffic to go away,” portfolio review. That way, you can make sure you’re in
you want to be long term.
she said. “The traffic is a blessing. The
traffic brings business,” she said. “We just General Insurance control of where you want to go and how you get there.
want it safe for our pedestrians. We want Insurance Protection for your Call your local Edward Jones financial advisor today to schedule your
it quieter and calmer, so that when they BUSINESS • HOME • AUTO Call or visit your local financial advisor today.
free review.
are experiencing the downtown, they’re
Immediate Coverage Andrew Hunter, AAMS®
not afraid and they don’t feel like they’re Friendly, Personalized Service
going to be blown off the sidewalk.” Financial Advisor
Serving The
In order for this to work, Taylor wants
the community to get involved in the dis-
Orion/Oxford 826 S. Lapeer Rd., Suite A
Area
cussion and give their input. For 56 Years Oxford, MI 48371
Dan Burden, the nation’s most recog- www.hastingsmutual.com
(248) 628-3811
www.edwardjones.com Member SIPC
nized authority on walkability and other
road/pedestrian planning elements, will be
giving a presentation for the Oxford com-
munity from 6-7:30 p.m. on Wednesday,
Nov. 10. The location has yet to be deter-
www.edwardjones.com
1097 South Lapeer Road • Oxford
mined. 248-628-2565 • www.dkpins.com Member SIPC
4 What’s The Biz -- November 2010

Confused about credit

card processing fees?
Business owners ask me all the time
Low Cost Credit Card Processing why the contract they signed with an-
other processor is more expensive than
they expected.
Want to increase your business bottom line? The answer lies in the
Let TAKE CHARGE show you how! many types of process-
ing fees a processor can
charge.
$
50 CREDIT With Activation It is confusing, and
because there are so
• Customers spend 12-18% more using Credit Cards many credit card pro-
cessing fees to look for
than cash. Dunn & Bradstreet it is easy to misinterpret
• Low rates Jim Keaser
the fees.
• On-line account management & reporting Rarely, it seems, are all fees and
• 24-hour support minimums revealed in one place. Many
• Check verification and guarantee merchants sign contracts that first ap-
• Large selection of equipment, hardware, software, pear low cost and upon execution, turn
out to be pricey.
wireless, gateways Similarly, expensive sounding solu-
• Free terminal program option tions may actually be all inclusive and
in an “apples to apples” comparison,
248.797.9432 • www.takingchargecards.net turn out to be better for the merchant.
jim@takingchargecards.net Merchants are generally lured in with
discounted rates but are ultimately
charged more.
The advertised rate will apply only
to a certain type of card or will carry
hidden surcharges.
Some possible fees are application
fee, yearly membership, set-up fee, ac-
cess fees, statement fee, discount rate,
address verification, transaction fee, au-
thorization fees, monthly minimums,
cancellation fee and chargeback fee.
At Take Charge credit card process-
ing, we try to minimize these costs and
fully explain all charges.
Taking credit cards does increase rev-
enue by 12-15 percent (Dunn and
Bradstreet).
Shopping for a good processor is well
worth the time and effort for your com-
pany.
Contact Jim Keaser, President, Take
Charge at 248-797-0432 or visit
www.takingchargecards.com

Divas Don’t Shop ‘Looks of the season’ can

At The Mall -
be found in men’s closets
FALL SPECIALS Rush to your boyfriend’s wardrobe to find the “looks”
of the season!

25% Off It is nothing new that women “flirt” with the male ward-
robe. Marlene Dietrich, the German movie Diva from
the 1930s was the pioneer for this style by introducing
• Accessories • Clothing the once typical male suit to the women everyday dress-
ing style, revealing then a sensuality not so obvious but
• Jewelry • Shoes super attractive.
The Latest In Be it on the everyday looks, be it dressed for a party,
the biggest secret to dive into the fashion trend is to know
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Unique Gifts Wide shoulders blazers are now warming up the tailor
made pants and are starting to appear over ruffles
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Excellent choice with cuffed jeans, this outfit trans-
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As for the shirts, they are growing in length and show
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Has It All! Jewelry Rush right now to the wardrobe of your boyfriend or
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24 S. Washington son that is about to start.
For The Holidays!
Stop anytime at Ella Fashion in downtown Oxford to
Downtown Oxford 14 S. Washington • Oxford, Michigan 48371 see the amazing and fabulous collection that has just ar-
248-236-8386 248-969-6040 rived for the beautiful autumn days.

Christmas
parade is fast
approaching
Fall is in the air and what a great time to
live in Michigan and enjoy the Indian sum-
mer and the changing of the colors.
We are lucky to live in
such a beautiful state. A word from
But in order to stay here the president
and survive we need to help
support our local busi-
nesses.
TheGirlfriends Walk that
happened on October 16 is
a good example of business
helping business and
friends helping friends that
was supported by our Com-
munity. a column by
We need to continue this Rick Laidler
type of support year round.
It is time to get ready for the Chamber
Christmas Parade schedule for Saturday, De-
cember 4 at 2 pm.
This year’s theme is “Candy Canes &
Christmas Carols.”
Now would be a good time to start your
planning for your float or entry and let the
Chamber know that you are going to partici-
pate in the parade.
Every year the parade gets bigger and
better with the support of the community
bringing more people downtown.
The sooner the Chamber knows that you
are going to be in the parade the better for us
to make plans and it is only 5 weeks or about
30 days before the parade.
The Chamber is electing 4 new board
members to the board of directors.
We have six candidates to choose from
and we want to thank all of them for running
for the board.
It is a lot of hard work but is well worth the
effort to see the Chamber succeed.
Thank you for your continued support.
Hey, Oxford!!
If you didn’t read last week’s
Oxford Leader
Leader,, you don’t know
what you’ve missed!!!
52 Weeks for $30
oxfordleader.com or
call 248-628-4801
“Committed to promoting,
enhancing business prosperity
for our members.”
Call 248-628-0410 or visit us online at
www.oxfordchamberofcommerce.com
Chamber member profile:
Manage Max for success
The successful business people I know
are 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 know
many proven approaches that have
helped small and billion dollar companies
to be successful. My services and pro-
grams will work for you because all my
services are customized to address the
specific needs of YOUR business and
YOUR employees!
Maybe you need 1-on-1 coaching for
you or a staff person! Maybe you need a
bullet-proof New Employee Orientation
program. Maybe you need a 2-day train-
ing program that is interactive, fun and
GUARANTEED to get results! Maybe
communication and teamwork are not
what they should be. Or, maybe you need
policies, procedures and management tools
(like Performance Appraisals) that EN-
SURE that every employee performs at
the highest levels of quality and produc-
tivity.
If you are looking for educational and
performance improvement programs, you
will find that I am an enthusiastic and mo-
tivational presenter who makes even
complicated 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, fun
and filled with useful tools!
As a professional trainer, educator and
speaker, I thoroughly research every topic
because I sincerely respect my
audience’s intelligence and their invest-
ment of time. Perhaps, that is why I have
received ratings of “Excellent” from small
work groups to very large audiences at
Cobo Hall in Detroit and the Palace of
Auburn Hills.
What’s The Biz -- November 2010 5
Ronald DeLorme
My services and programs are VERY
affordable! My rates and fees are WAY
BELOW the rates charged by others in
my field. I keep my fees BELOW the
prevailing rate because I am dedicated to
making my services affordable to small
and medium-sized companies! I have built
a very strong reputation for helping my
clients to find the fastest, least expensive
way to address their concerns!
I’ll do the same for you! And, Cham-
ber of Commerce members ALWAYS
receive a Discount!
If you have a question, a business
problem or just an idea you want to “kick
around with someone else,” contact me.
Helping business people “think through”
their next great idea is part of what I do.
My goal is to help you get results! And
the sooner we start, the sooner you will
reach your goals!
Contact me now...our first discussion
is FREE...you have nothing to lose and
everything to gain!
Ronald DeLorme
Manage Max Performance Improve-
ment
P.O. Box 1025
Clarkston, MI 48347
training_pro@hotmail.com
Let’s recap
what the
Chamber
has to offer
In the past few months I have been shar-
ing with you some of the benefits of joining
the Oxford Chamber.
To recap, the Oxford Chamber of Com-
merce offers you network-
News from ing opportunities through
the director membership luncheons, af-
ter hours, and breakfast
meetings, the Oxford Cham-
ber of Commerce promotes
your business through wel-
come packets handed out at
the Township hall to new
residents, and right here in
the Oxford Leader BIZ sec-
tion, through “did you
a column by know” and feature articles,
and the Oxford Chamber of
Holly Bills
Commerce helps build stra-
tegic partnerships among their members, so
that each member can be aligned with other
businesses that share their same interest and
partners that help their businesses grow.
So if those are not enough reasons for
you to join the Chamber let me share with
you a recent national study that revealed that
membership in a chamber of commerce can
significantly boost a business’s image among
consumers, as well as other businesses.
In a scientific survey of 2,000 U.S. adults,
The Schapiro Group, an Atlanta-based stra-
tegic consulting firm, found positive percep-
tions of chamber members in a number of
areas, including overall favorability, con-
sumer awareness and reputation, and likeli-
hood of future patronage.
The study showed that when respon-
dents were told that a particular business was
a member of a chamber, they were 44 percent
more likely to rate it favorably than study
respondents who were not told of the cham-
ber affiliation.
Respondents were also 63 percent more
likely to want to purchase goods or services
from a small business that is a chamber mem-
ber.
When you join the Oxford Chamber of
Commerce you join a team of dedicated busi-
ness owners, Directors, and Board Members
who want to work with you and for you!
To join the Chamber call 248-628-0410 or
visit www.oxfordchamberofcommerce.com to
download a membership application!
At the Oxford Chamber of Commerce it is
our goal to ensure that our members VALUE
exceed their INVESTMENT!
6 What’s The Biz -- November 2010

Women’s Expo draws 250 ladies

We couldn’t have asked for better weather for the Speaker Sponsors:
Women’s Expo on Saturday, October 9, although we were
competing against the Michigan and Michigan State game
we still had around 250 women that came out to support our
event and over 40 vendors!
We also raised $580 for the POH Riley Foundation, an
organization that offers FREE mammograms to any person
within Oakland County.
Special thank you’s 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. More
thank you’s go out to our volunteers for the day, Oxford
Women’s Club for helping at the Luxury Raffle table, Kevin
Wisely with Genisys Credit Union, Tim Walker with H&R
Block, Pat and Allen Schwartz with Mr. Appliance, Scott
Keller 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 the
Equestrian Team and boosters for providing the food for the
day!
Everyone put in a lot of time and hard work to make this
event happen, not only during the event, but also before
and after, however the Women’s Expo still would not have
been possible without the support of the women that came
out to be a part of the event, the vendors that were there or
the sponsors that contributed, so a very special thank you
goes to all those that supported the event by being a spon-
sor, a participant, a guest speaker, or one of the many women
that bought a pink ribbon in honor or memory of a loved
one, your contribution and support was greatly appreciated.
Thank you to the Oxford Chamber of Commerce Women’s
Expo Sponsors.

Did you know?

Platinum Sponsors:
Media Sponsor:
Thanks to our
Pink Ribbon
Sponsors:
· 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
· Margot’s 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
Did you know that The Goddard School School in Ox-
ford is hosting its 2nd Annual Mom’s Night Out of shop-
ping Thursday, November 11 from 7-9 p.m.
We are having local vendors at the school so you can
get a jump start on your holiday shopping.
Area restaurants are offering food and drink specials so
you can enjoy an evening of shopping and eating! For
more information please call the school at 248-628-6268.
That Don Harrison just had his 25th anniversary with
Community 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 one
stop 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 we
can help you find the perfect fit for any store, service, or
product. You can also go online to our directory at
www.oxfordchamberofcommerce.com to see an entire list-
ing for all businesses in the Chamber.
Reliable Boat Repair Mobile Marine Service will come
out to your home to shrinkwrap or winterize your boat for
you! It’s fast, convenient, and affordable. Call today 810-
245-2489 to schedule your appointment, or go online
www.reliableboatrepair.com
For only $10.00 you can save money at 62 local busi-
nesses! Go to www.oxfordvipcard.org and buy your Ox-
ford VIP card! It only takes a minute to buy and will be
months worth of savings!
The Oxford VIP card makes a great gift for anyone who
lives in Oxford. Businesses include but are not limited to
hair salons, restaurants, retail shops, and other services
such as plumbing/heating/boating, and more! Become an
Oxford VIP card member now!
If you are a Chamber member you can submit a 50 word
‘did you know’ about your business or an upcoming event
for FREE. Deadlines are the 2nd Wednesday of the month
and must be e-mailed to the Executive Director at
info@oxfordchamberofcommerce.com
 What’s The Biz -- November 2010 7
November Calendar
Check out what’s happening in November:
November 18 – Ladies Night Out
Where: Paint Creek Country Club
When: Thursday, November 18th
Time: 5:30pm-9:00pm
****
November 19 – Coffee Talk (Facilitated
Networking)
Where: Community Room, 22 W. Burdick St.
When: Friday, November 19th
Time: 9:30am-10:30am
Cost: FREE
Anyone can attend this meeting, it is free,
coffee and donuts are provided. Please RSVP
by 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 Oxford
Highschool Marching Band, hot chocolate
and cookies, and a restaurant holiday stroll!
For more information please contact the
DDA at 248-770-8587
Saturday, December 4 will be the annual
Oxford Chamber of Commerce Christmas pa-
rade.
The theme this year will be Candycanes
and 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 to
give your financial support to those who are
working on your behalf. Can’t afford it - mem-
bership costs less per day than your daily
Ageless Day Spa & Salon
cup of coffee and lunch.
• I’m just a little guy - the best way to
grow is by supporting your Chamber of Com-
merce.
Not interested – can’t be true. You are
interested 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 of
Commerce.
The Chamber is a resource to many
people and organizations locally, regionally,
and nationally.
• People call the Chamber before they dial
411.
• People call the Chamber before they use
the Yellow Pages.
• People call the Chamber to obtain infor-
mation on Businesses.
• People go to the Chamber to find out
who Community Leaders are.
• People go to the Chamber for Demo-
graphic Information.
Hopefully it is clearer now, that there are
far more reasons to become a Member than
not to. It just makes good business sense.We
have another exciting year planned for our
Chamber Members, join us again and give
your business the chamber advantage!
8 What’s The Biz -- November 2010

Oakwood Chapel’s reception

center is elegant, spacious
Oakwood Wedding Chapel celebrated the
Grand Opening of its new reception center
on Saturday, March 27, 2010.
“Our brides are elated with our new re-
ception room,” says Anne Marie Roop, owner
of the historic Oakwood Wedding Chapel,
“and the room is perfect for any type of cel-
ebration for up to 120 guests. We’re booking
family reunions, graduation parties and busi-
ness gatherings. ”
The new reception center is located adja-
cent to the historic wedding chapel which is
nestled on four rolling acres.
The elegant décor of the new facility is
classic contemporary with a nod to the
chapel’s rich history.
“The room has warm metallic gold shim-
mering walls and can be set with round or
banquet tables. The remodeled bathrooms
have slate floors and marble countertops,”
said Roop.
Located less than 50 miles north of De-
troit, Oxford radiates that small-town feel and
the historic chapel hosts all of the modern
amenities, including strategically and dis-
creetly placed video cameras to capture the
special day.
To accommodate the growing demands
of today’s bridal parties for “one-stop shop-
ping”, building out the new reception center
was an easy decision.
“We have been hosting breathtaking out-
door receptions on our property and now we
can 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 with
other 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 for
rental for special events, such as birthday
parties, anniversaries and reunions.
About Oakwood Wedding Chapel
Oakwood Wedding Chapel is located at
2750 N. Baldwin Road in Oxford, Michigan.
For more information, visit
oakwoodweddingchapel.com or call (248)
431-7556.

Victoria’s Delights wins Genisys introduces new

Chamber Chili Challenge electronic conveniences
Victoria’s Delights was one of the six
participating restaurants in the Chili
Challenge held on Oct. 2 in conjunction with
the Oxford’s Downtown Scarecrow Festival
and took first place with their white bean
chicken chilli! Congratulations Victoria’s
Delights and thanks for participating in the
Chamber’s Chili Challenge!
Thank you also to the 24th Street Tavern,
Ox Bar and Grill, Red Knapps, The Oxford
Tap, and ‘Wiches”
Thank you also to the exclusive Sponsor:
Genisys Credit Union.
A special thank you goes to Tim Walker,
owner of
H&R Block
and Kevin
Wisely, with
Genisys
Credit Union for chairing and co-chairing this
event, and the dedicated volunteers that came
out to help serve: Ron Davis with the Oxford
Township Parks & Recreation, Rick Laidler,
with Community Insurance, Scott Keller with
Primerica Insurance, and Allen Ryckman with
Goodwill Industries.
A little rain, but still a lot of fun, thanks to
the Oxford Community that came out to
sample the six restaurants chilis and for vot-
ing for the best one!
Genisys Credit Union recently launched
eDeposit and Mobile Banking, two new ser-
vices that let Genisys members access their
accounts when and where they want.
“Our goal is to provide members with
products and services that make their lives
easier,” said Jackie Buchanan, Chief Execu-
tive Officer. “Being able to manage their
Genisys accounts from a mobile phone or a
home computer helps them save time and
money.”
eDeposit is a new concept that allows
members to use a standard scanner to de-
posit checks to their Genisys account
through online banking. It’s a quick, easy
and secure way to deposit funds at no cost
to the member.
“We know our members have busy
lifestyles so eDeposit is a great option that
lets 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-
Victoria Connolly, bers to do banking via text, mobile browser,
owner of Victoria’s
downloadable app or iPhone application.
Delights in Members can transfer money, view ac-
downtown Oxford.
count balances, review transaction history
and locate a surcharge-free ATM or shared
branch. In addition, members can use our
iPhone application to check rates, calcu-
late payments and use a robust ATM/
branch finder that can function by zip code
or GPS location.
“We use the best practices from online
banking to provide both security and a va-
riety of features for mobile phone users to
enjoy,” said Buchanan. “We want our mem-
bers to benefit from using these electronic
conveniences.”
For more details about the products and
services available at Genisys, check out
their website at www.genisyscu.org or con-
tact your local branch.
Genisys Credit Union is glad to be part of
your community, and we truly believe that
Genisys is “where you come first.”
We are locally owned, locally controlled
and continue to be an award-winning or-
ganization for financial safety and sound-
ness. Follow our community involvement
on Facebook at www.facebook.com/
genisyscu and Twitter at www.twitter.com/
genisyscu to find out what’s going on in
your neighborhood.
A calendar of events can also be found
on our Web site at www.genisyscu.org.

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
What’s The Biz -- November 2010 9
James R. Porritt, Jr. Use caution when
ATTORNEY
dealing with entities
Serving Orion and Oxford Areas
MarthaVega-Crist,DDS Since 1973 By James R. Porritt, Jr.
Licensed Real Estate Broker • Past Chair of OCBA Real Estate Committee From the perspective of a person go-
Member of American and State Bar Real Estate Sections
ing into a business venture, the creation

Creative 248-693-6245 of a new business entity provides a num-

ber of advantages.
Embroidery The most appealing advantage is the
Computerized Embroidery & Monogramming
Custom Designs, Personalized Gifts
Business, School & Team Logos • Varsity Jackets
10 E. Burdick St. • Oxford
SIMPLE WILLS shield that entity provides to the individual
from personal liability. Persons doing busi-
ness with these entities
are forewarned by the
248-628-9531 • Self directed disposition of assets
Free Initial words "incorporated,"
“For All Your Family Pharmacy Needs”
• Your choice of administrator Consultation "corporation," "com-
pany" or "limited liability"
Patterson • Your choice of Guardian for minors that they must look to the
• Your choice of Trust for minors to be set up after your passing. assets or income of that
Prescription Pharmacy entity for any remedy if
1 S. Washington St. • Oxford a dispute should arise.
“Avoiding Probate” does not justify the cost or inconvenience of setting up a Living Trust and
248-628-2538 • Fax 248-628-0721 Many such entities are
maintaining it for the rest of your life. Michigan’s unsupervised probate procedure is
Tim Davidson, R.Ph.
Attorney James undercapitalized or have
inexpensive, uses preprinted forms, avoids formal accountings, court appearances, or approval R. Porritt, Jr. a single asset, or are just
of asset disposition. empty shells for the op-
The BLUE eration of a business.
BUTTON When selling or leasing real property
on our website Real Estate Transactions and to a business entity, the seller or landlord
should insist on a personal guaranty. Loans
links YOU to all
of our PICTURES Troubled Mortgage Relief to or investments in business entities
should similarly be secured against the risk
of failure.
Go To oxfordleader.com 436 S. Broadway (M-24) , Suite C • Lake Orion • www.porrittlaw.com

Break Free From Your Emotional Trauma Unconscious Influence can

help you overcome trauma
You have suffered long enough. Living with an Emotional
Trauma 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 the
life you deserve. In this world, on this very day, there is a tive memories, limiting beliefs and creating a
No More .... Uncontrolable Anger lot of victims who suffer from emotional compelling, fulfilling future.
No More .... Severe Anxiety trauma. That is what motivated Jeff Papadelis Many people who experience NLP &
to discover how to help people who have TLT™ describe the results as a feeling of
No More .... Overwhelming Flashbacks
experienced anger, sadness, fear, or guilt on a being set free from the past, where they can
No More .... Depression regular basis. go forward and enjoy life as it is meant to be.
No More .... Trauma Related Nightmares “So what I started looking at is, what do I “We are living in an evolving world, a
No More .... Difficulty in Falling Asleep & Staying Asleep need to do to help people release their emo- world that is starting to recognize that emo-
No More .... Exerated Startled Response tions. We all have emotions, we all have feel- tions and feeling are very real.”
No More .... Persistent Avoidance ings, and we always will. But what is crip- Ten years ago the American Medical as-
pling to us is when we continually relive a sociation stated that Negative emotions can
Eliminate Your Negative Emotions In Hours Not Days, negative experience from our past. Perhaps a play a role in the development of disease.
victim of child abuse, divorce, military trauma, Today we know we know that negative
Weeks or Years - Results Guaranteed loss of a loved one, loss of job or income.” emotions severely impairs our immune sys-
Effective Treatment For: Said Jeff Papadelis. “The reality is, that it tem and our bodies ability to heal itself.
• PTSD • Divorce • Loss of a loved one • Loss of a job or income • Combat exposure • Rape does alter our lives, because when we go So it’s not just about our emotions and
• Childhood abuse • Sexual molestation • Fears • Phobias • Depression • Anxiety • Stress through something like that, we start seeing feeling better. If you are interested in improv-
• Physical attack • Natural disasters • Mugging • Robbery • Civil conflict • Car accident • Plane crash ourselves as being less than who we are, it ing your health, a good place to start, is tak-
• Terrorist attack • Kidnapping • Life threatening medical diagnosis and other emotional events compromises our self worth, our values, some- ing control of how you feel on a daily basis.
times, our image of who we are, perhaps even NLP and Time Line Therapy techniques
Upcoming Events: our identity. Some describe it as being in an are specifically created to assist you in do-
One on one sessions • Available by appointment emotional prison.” ing just that. Heal your past, live you’re
Release Negative Emotions Workshop - November, 2010 Oxford After years of travel and studying Jeff dis- present and create the future you deserve.
7 Day, NLP, Time Line TherapyTM, and Hypnosis Certification Training covered NLP & Time Line Therapy ™. Jeff Papadelis is the founder of Uncon-
November 27 - December 3, 2010 - Auburn Hills “These Techniques work like magic in help- scious Influence. His company offers Certifi-
ing clients overcome past trauma.” Jeff has cation Trainings, one on one sessions as well
Call Unconscious Influence For Pricing and Availability used these techniques successfully in help- as online self help downloads. 810-728-8106/
810-718-8106 or visit us at www.NLPHome.com ing people let go of negative emotions, nega- www.unconsciousinfluence.com
10 What’s The Biz -- November 2010

Annual Halloween Candy Buy-Back Hello Fresh Breath, Good-bye Halitosis

Halitosis is an oral condition identifiable halitosis. Dry mouth (xerostomia) is a signifi-
Monday, November 1 by consistently bad breath. Understanding cant decrease in saliva productions so the
the causes of halitosis is the first step to treat- mouth is unable to cleanse itself and remove
5:30 pm -7:30 pm ing this almost always preventable condition. food particles. Xerostomia can also be caused
Participants receive Parents (of participating Halitosis has many origins: by medications or a salivary gland disorder.
Goodie Bag kids) are entered to win a Certain foods…Diet Oxford Smile Improperly cleaned dentures…Dentures
New Toothbursh $100 gift card to a plays a large role in oral Center have the potential to collect bacteria and food
$1 for every pound of candy Kruse and Muer restaurant health, including your particles resulting in bad breath if not prop-
breath. Garlic, onions and erly cleaned.
other foods are absorbed Tobacco products…Cigarettes, cigars,
• Zoom! Teeth Whitening - Brighter Teeth
in One Hour
G o W ild ca t into the bloodstream, trans- smokeless tobacco and snuff can stain teeth
fer into the lungs and ex- and put the body at risk for a host of disease
• Invisalign® - The Clear Alternative to Special pelled in the air through as well as contribute to bad breath.
Braces For ever y new pati
ent that says breathing. Until a food is Medical conditions…Bad breath can be
• Cerec® - One Visit Crown Treatments “G O W IL D CA TS eliminated by the body, it has an indicator or symptom of a respiratory in-
• Evening and Saturday Appointments ”
Oxf ord Smi le Cen the potential to affect your fection, diabetes, a gastrointestinal disorder
ter Wil l Giv
e
• Exams, Cleanings, Veneers, Natural $25 to the Oxford breath. John M. or a liver or kidney disorder. Consult your
High Periodontal disease…A physician.
primary symptom of gum Khoury, DDS
Looking Fillings & More School Athletic Bo
osters Good oral healthcare prevents halitosis.
disease is foul breath and an unpleasant taste Treatment of bad breath primarily depends
in the mouth. Periodontal disease requires im- on the cause but proper brushing, flossing,
mediate care by an oral health professional. in addition to regular exams and cleanings
Poor oral healthcare…without proper help remove the bacteria that cause bad
brushing and cleanings food can remain in breath.
your mouth and breed bacteria which can For more information call (248) 969-SMILE
cause odorous breath. Unpleasant odors can or visit www.OxfordSmileCenter.com Dr.
John M. Khoury Jr., DDS also result from food collecting on teeth, gums Khoury supports the local community with
1120 S. Lapeer Rd. • Oxford, MI 48371 and tongue. programs such as Halloween candy buy-
Breathing patterns…Continuous breath- back, Donated Dental Services, elementary
OxfordSmileCenter.com ing through the mouth instead of the nose educational visits and support of school ath-
can cause dry mouth which can contribute to letic programs.

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

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

Consultations
physical therapists and are committed to pro-
viding the highest quality attention possible.
At HealthQuest you will find one very
Our Specialties important difference.
Each patient will receive personalized,
Include: hands-on care each visit from a licensed
physical therapist at all locations.
• Neck & Back Pain Here’s what Vince Adragna, of Oxford, had
• Headaches & Migraines
to say – “I’m a 72-year-old member of the
• Shoulder, Hip & Knee Pain Oxford Senior Softball Team and have been
• Post-Surgical Rehabilitation working out at HealthQuest for four years. I
• Total Motion Release have noticed improved speed and flexibility
• Auto, Sports & Work Injuries Dan Garr, MPT as well as fewer injuries and this directly re-
OXFORD lates to my regular workouts. I highly recom-
• Foot & Ankle Sprains & Strains mend an off-season workout program for any-
• Hip & Knee Replacement Rehab 53 S. Washington St. one involved in any level of sports.”
• Elbow Conditions
• Women’s Health 248-236-0035 With innovative treatment programs, it is
possible for HealthQuest therapists to pro-
• Educational Presentations vide unique combinations to further speedy
• TMJ recovery. With years of experience and state-
of-the-art equipment, a patient will be able to
• Total Motion Release quickly resume their lifestyle, possibly at an
6 a.m. to 8 p.m. Monday - Friday • 8 a.m. to Noon Saturday enhanced level.
Quick Scheduling • Most Insurances Accepted Education is a very important part of the
HealthQuest therapy experience. Each patient
is given specially structured exercises to per-
form at the facility and at home.
“I have had therapy several times through-
out my life. I can honestly say this experi-
ence with HealthQuest has been amazing. The
staff is always kind and welcoming and I have
learned more from my therapist Lori than any
therapist I have ever worked with,” said pa-
tient Maureen P.
Along with self management strategies
and close communication with their physi-
cian or specialist, it is always the goal of
HealthQuest to help each person live a life
free of pain. Simply put, their goal is your
goal - to get each person back to living life to
the fullest.
The Oxford location of HealthQuest is lo-
cated at 53 S. Washington St. Call today for
your free evaluation at 248-236-0035.

Talking to your
kids about money
You can help your children prepare
for the future by giving them the tools
they need to survive and do well in the
world and environment in which they
live.
In the United States Lakes
of today, that means Community
helping them understand Credit Union
the value of and the con-
cepts of earning, using,
saving and investing
money.
Parents often don't
teach children about
money for several rea-
sons.
Sometimes they Carolyn Chevier,
don't think it's neces- president
sary. Sometimes they
feel that, since they are not "financial
experts," they are not qualified to dis-
cuss it.
Robert T. Kiyosaki, in his bestsell-
ing book, Rich Dad, Poor Dad, gives
the analogy of an agricultural society
where children are not taught the ba-
sics of farming.
Whether we like it or not, money is
central 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 of
the money they have now to have it later.
Teaching kids to save a little money
each week to pay for a large ticket item
that they want (bicycle, computer,
iPod), or so that they will have spend-
ing money of their own to use on the
family vacation, can help them under-
stand the importance of budgeting their
money.
Let your children save up for a rela-
tively short-term purchase so they can
experience the pleasure of being able to
buy 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 everything
they ask for.
Give them some leeway, together
with guidance, in how to spend their
earnings, gifts, and allowance.
At the same time, know where you
personally want to draw the line. What
What’s The Biz -- November 2010 11
will you buy for them, and what will
they 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, such
as collections and music, and just "have
to have" a new item every few days.
These are areas of parental discre-
tion and may change as the child grows
older. But, whatever you do, make sure
there 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 their
earnings and gifts.
Another approach is to have your
child can open two accounts. One can
be to save for a large purchase, such as
a musical instrument or equipment, and
another for the faraway future.
When a child accrues enough sav-
ings to purchase the object, you have
taught him an important lesson: saving
is really worth it.
Mark Your
And as the money grows in the far-
Your
4
away future account your child will see
the benefits of savings towards a down
payment on a car or having money for
Calendars
college.
When your kids feel comfortable
talking to you about money, you'll have
established an important bond that will
grow in years to come as your child
makes career and investment decisions 3 Great Special Sections
as an adult. That Will Be Sure To Increase Your Business
Lakes Community Credit Union can
Celebration
4
help you with the task of teaching your
children the basics of handling money.
We offer free 1.5 hour classes to teens of the Horse
in our community. September 22
Your teen can learn more about Metamora, Dryden & Hadley
money by coming to Lakes Community
Credit Union's Teen Financial Workshop
on Oct. 28 at 6 p.m. at our Lake Orion
branch.
The workshop will be covering top-
4 Women’s Expo
September 29
The Oxford Leader & Lake Orion Review
ics such as the importance of having
financial goals, establishing a good credit
score, getting into good savings habits,
and understanding different financial
4 All Things Autumn October 21
products along with any associated in- The Oxford Leader & Lake Orion Review
terest rates and terms.
Please call 248-814-4000 ex 4060 Call Your Ad Representative Today
to reserve your seat.
Get your children off to a good For More Details
start!
248-628-4801
12 What’s The Biz -- November 2010

*
up to 60 months
• 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 Branch
248-236-8135
22 Southeast Michigan locations,
find more at www.genisyscu.org

Where you come first.