What’s The Biz -- September 2010 1

BIZ
What’s the

September 2010 Vol. 5 #9

Oxford Area’s Monthly Business News & Info

Tom Jones, owner of the new Funky Monkey Toys

located at 5 N. Washington St. in downtown Oxford. To
learn more about his business call 248-572-4828 or e-mail
funkymonkeytoys@comcast.net. Store hours are 10 a.m.
to 7 p.m. Monday through Friday; 10 a.m. to 5 p.m. Satur-
day; 12-4 p.m. Sunday.
2 What’s The Biz -- September 2010
Divas Don’t Shop
FASHION
“Bling Is Our Thing -
August Birthstone - Peridot Items - 15% Off
North Oakland Dental Group
Check out
Ella Fashion’s
fall/winter
collection
In a season where the black color seems
to be dominating the fashion world, it is al-
ways good to be able to count on pale colors
to balance the visual.
The good news is that a certain romance
atmosphere is also in the air, with the pres-
ence of delicate shades of pink in key pieces
of the season.
Another element that represents romance
in this coming season is the high waist style
in pants and skirts that have been seen in
many windows and are a promise to become
big ìhitsî for this fall/winter.
830 S. Lapeer
Ella Fashion is ready for you. Come and
check out our Fall/Winter collection with a
polished look that is totally happy with struc-
tured dresses and fabulous shoes that goes
from colorful to nude, edgy to ladylike.
Genisys partners with
At The Mall -
SUMMER FamilyMint For Financial
Literacy Program
SPECIALS Genisys Credit Union is the first credit
ELLA
union to take financial responsibility to a new
25% Off level by partnering with FamilyMint, a hands-
on budgeting tool that provides parents and
grandparents with an interactive resource to
teach their children about financial literacy
• Accessories and the importance of saving.
• Clothing This online money management applica-
• Jewelry • Shoes tion is free and engages Genisys members as
young as six years old in a fun way. Under
Has It All! The Latest In Fashion & Unique Gifts adult supervision, children learn to track their
money by allocating savings, setting goals
24 S. Washington • Downtown Oxford and making transactions.
Parents and grandparents can also auto-
248-236-8386 mate allowance, encourage savings with mo-
tivating interest rates and reward deposits
for achieving goals.
According to The Hartford Financial Ser-
vices Group, Inc., nearly 72% of the parents
surveyed acknowledged that they are their
childrenís primary source of personal finance
education, although 44% admit to needing
more guidance on how to best teach their
SEPTEMBER children the skills necessary to become fi-
nancially responsible and successful adults.
FREE * Class New This is where FamilyMint can help. The
Calypso Bracelet Purses idea was created by two dads, Jeff Eusebio
and Bob Masterson, who were frustrated
Saturday, September 11th with the existing tools in the marketplace for
Registration Necessary • Limited Seating teaching sound money management skills
earlier in life and helping kids appreciate
7 N. Washington • Oxford • 248-969-7777 money.
ìMany of our users experienced the same
frustrations and one expressed it best when
she wrote to us that after years of preaching
to ëspend your money wisely, donít buy that
junk and think about where you are spend-
ing your money,í FamilyMint SHOWED the
boys exactly all those things in the matter of
a few weeks,î Masterson stated. ìWe are
excited to be partnering with Genisys Credit
Union because of their extensive community
focus, and we know FamilyMint will be a great
enhancement to Genisysí youth programs.î
There are two versions including the
FamilyMint Free and the FamilyMint Premium
that families can choose. The Premium ver-
sion has extra features and is available to
Genisys members at a 20% discount ($39.50/
year) through the Genisys website at
www.genisyscu.org/familymint.
ìThis program is a great way to discuss
finances with the entire family,î said Jackie
Buchanan, CEO. ìIt educates consumers of
• Comfortable Family Care • At Home and In-Office all ages about proper money management
• Warm Friendly Staff ZOOM® WHITENING and sets the foundation of saving that mem-
• Cosmetic Dentistry • Join Us In Our bers will benefit from for the rest of their lives.î
Genisys Credit Union is glad to be part of
• Make Over Consultations Newly Remodeled Office Today
your community, and we truly believe that
• Most Insurances Accepted • Quality Care In Our Community Genisys is ìwhere you come first.î
Since 1981 We are locally owned, locally controlled
I-69 Exit #155
and continue to be an award-winning orga-
DOWNTOWN
nization for financial safety and soundness.
830 South Lapeer, Oxford
OXFORD
Follow our community involvement on
Facebook at www.facebook.com/genisyscu
Drahner Rd. and Twitter at www.twitter.com/genisyscu to
LAKE ORION find out whatís going on in your neighbor-
I-75 hood. A calendar of events can also be found
Exit
81
www.northoaklanddentalgroup.com on our Web site at www.genisyscu.org.

Play, smile
and learn at
Goddard
School
The Goddard School FLEX Learning
Program provides a foundation for each
childís development.
The learning continuum encompasses
developmental guidelines with formative
assessments, child-focused lesson plans,
a creative and fun environment and a per-
sonalized child-centered approach.
The Goddard School located at 55 Gate-
way Drive in Oxford is owned by Michelle
Stuhlreyer.
Michelle and her husband, Peter, are
parents to three children and recognize the
importance of a safe and nurturing learn-
ing environment.
As an area resident, Michelle is happy
to be able to provide Goddardís outstand-
ing program to the children in the com-
munity.
Michelle is a hands-on owner that is
on-site and available daily to faculty, chil-
dren and families.
The school also has an education di-
rector that is responsible for the curricu-
lum and programming.
Children are encouraged and supported
by a team of dedicated teachers.
Goddard Systems, Inc. provides addi-
tional levels of support through the
Goddard QA program and on-going pro-
fessional development for teachers at
Goddard Systems University (GSU).
The Goddard School located in Oxford
is open weekdays from 7am to 6pm.
The year-round program provides con-
sistency for children, while the choice of
either a half or full-day schedule offers
flexibility for families.
The school accepts children six weeks
to seven years of age and several local el-
ementary schools provide transportation
for school-age children.
They recently added a Preschool Prep
program to introduce children and their
families to the preschool environment.
At The Goddard School, children will
make friends, discover that learning is fun
and feel safe every day.
To learn more, please call 248-628-6268
or visit www.goddardschool.com.
What’s The Biz -- September 2010 3
Be Prepared
for Return of
Estate Tax
Thereís never really a bad time to do es-
tate planning. But in the months ahead, you
may have an extra incentive to look at your
estate plans. Why? Because changes are
coming to estate tax laws ó so youíll want
to be ready.
Change is nothing new in
the world of estate taxes,
which have been in a state of
flux for years. As the law now
stands, there is no federal es-
tate tax in 2010. Then, in 2011,
the estate tax is scheduled to Andrew Hunter
return, with an exemption of Edward Jones
amount of $1 million and a top rate of 55 per-
cent. Yet, these figures are highly likely to
change; ultimately, we may see a return to
what existed in 2009: a $3.5 million or $5 mil-
lion exemption and a top rate of 45 percent.
Of course, your susceptibility to the es-
tate tax will depend on the size of your es-
tate. But no matter what your level of assets,
youíll want to have your estate plans in or-
der. First of all, you almost certainly need a
will. Youíll also need to make sure youíve
named the proper beneficiaries in all your le-
gal documents.
KEEP YOUR RETIREMENT
Now, letís return to the estate tax issue.
Specifically, how can you help reduce any
YOU CAN’T CONTROL
ON SOLID GROUND EVEN
potential estate tax burden your heirs may
face? Here are some ideas to consider:
ï Take Advantage of Your Exemptions. You
THE WORLD
IF THINGS AT WORK ,
and your spouse each receive an exemption
from the federal estate tax. As mentioned
above, this exemption could be anywhere
ARE UP IN THE AIR.
from $1 million to $5 million, starting in 2011.
BUT YOU CAN CONTROL YOUR DECISIONS . To maximize these exemptions, you may want
to create a credit shelter trust. In a nutshell,
Sometimes the market reacts poorly to world events, but hereís how it works: When you die, you fund
just because the market reacts doesn’t mean you should. a credit shelter trust with assets equal in value
to your available exemption; if you have other
To make sense of your retirement savings
Still, if current events are making you feel uncertain about assets, you can leave them to your spouse,
free of estate taxes. Your surviving spouse
alternatives, call today.
your finances, you should schedule a complimentary
portfolio review. That way, you can make sure you’re in can draw income from the trustís assets while
he or she is alive. Upon his or her death, the
control of where you want to go and how you get there. trust disperses the assets to your children or
other beneficiaries, taking advantage of your
Call or visit your local financial advisor today. original estate tax exemption. Your spouseís
estate will also disperse assets to beneficia-
Andrew Hunter, AAMS® ries, using his or her exemption to reduce or
avoid estate taxes.
Financial Advisor
826 S. Lapeer Rd., Suite A ï Use Life Insurance. If you owned a $1
million dollar life insurance policy, and it was
Oxford, MI 48371 subject to an estate tax rate of 55 percent,
(248) 628-3811
www.edwardjones.com Member SIPC your beneficiaries would receive a death ben-
efit of just $450,000. But if you established
an irrevocable life insurance trust (ILIT) with
a new insurance policy, the trust would own
www.edwardjones.com the policy and distribute the proceeds to the
beneficiaries youíve chosen. By using an
Member SIPC Please See EDWARD JONES on Page 00
4 What’s The Biz -- September 2010

Oxford Bank announces improved

second quarter and six-month
operating results for 2010
Oxford, Michigan - Oxford Bank Corpora- rience elevated costs associated with the
tion (ìthe Corporationî) (OTC Bulletin Board: credit quality issues of the loan portfolio, it is
OXBC), the holding company for Oxford Bank imperative that we maintain an aggressive
is pleased to welcome (ìthe Bankî), today announced improved sec-
ond quarter and six-month operating results
approach to analyzing and controlling the
expense structure of the Bank.î Noninterest

Dr. Robert J. Basak, D.O.

for 2010.
The Corporation reported a 2010 second
quarter net loss of $1.241 million, or $1.07 per
share, compared to a 2009 second quarter loss
of $1.417 million, or $1.22 per share. For the
six-month period ending June 30, 2010, the
Corporation reported a net loss of $1.217 mil-
lion, or $1.05 per share, compared to a $1.912
million net loss, or $1.65 per share, for the
same period in 2009.
Net interest margin, representing net in-
terest income to average earning assets, was
3.86-percent in the second quarter of 2010.
Management was able to improve margin
during the quarter despite a decrease in earn-
ing assets.
This was achieved by strategically reduc-
ing funding costs and maintaining asset
yields. Total interest expense for the second
quarter of 2010 was $0.769 million compared
to $1.554 million for the second quarter of
2009, a 50.5-percent decline.
For the six-months ending June 30, 2010,
interest expense was $1.618 million compared
to $3.162 million for the same period of 2009, a
decrease of $1.544 million.
C. James Bess, president and chief execu-
income for the second quarter of 2010 was
$0.433 million. For the six months ending June
30, 2010, noninterest income was $0.811 mil-
lion compared to $1.993 million for the same
period in 2009.
Management also continues to strategi-
cally reduce the Bankís assets to preserve
capital and reduce costs. Total assets as of
June 30, 2010 were $305.261 million, a decline
of $60.962 million from June 30, 2009. Despite
the asset reduction, liquidity remains strong
with a combined total of $86.708 million in
cash, cash equivalents and securities.
Oxford Bank is a subsidiary of Oxford Bank
Corporation, a registered holding company.
It is the oldest commercial bank in Oakland
County and operates eight full-service offices
in Clarkston, Davison, Dryden, Goodrich, Lake
Orion, Oakland Township, Ortonville and Ox-
ford. It also manages a consumer lending cen-
ter in Oxford and a commercial banking office
in Lake Orion.
The Bank has operated continuously un-
der local ownership and management since it
first opened for business in 1884. For more
information about Oxford Bank and its com-
plete line of financial services, please visit

Comprehensive Medical Care
for the Whole Family
Dr. Basak is a Board Certified Family Practice Physician
committed to providing high quality, patient
focused health care for your entire family from
infancy to adulthood.
Schedule your appointment today
Call 248-628-2597
385 N. Lapeer Road, North of Burdick St. • Oxford
Accepting New Patients
Early Morning and Evening Hours
Same Day Appointments Available
tive officer of the Corporation, issued the re-
sults and noted, ìAn adherence to sound pric-
ing strategies on deposits and loan products
during the past twelve months has helped
preserve the earnings capacity of the balance
sheet.
Despite the on-going expense burden re-
lated to high levels of non-performing loans,
maintenance costs associated with Bank
owned property and FDIC insurance premi-
ums, the core earnings of the Bank remain
strong.î
Noninterest expense was $2.662 million for
the second quarter of 2010, compared to
$4.344 million for the same quarter of 2009, a
38.7-percent reduction. For the six months
ending June 30, 2010, total noninterest ex-
pense was $5.246 million, a $2.898 million de-
cline from the $8.143 million reported for the
same period of 2009.
Mr. Bess explained, ìSince June 30, 2009,
management has successfully implemented
numerous cost-cutting initiatives that have
substantially reduced our overall operating
expenses. As Oxford Bank continues to expe-
www.oxfordbank.com.
Except for the historical information con-
tained herein, the matters discussed in the
Release may be deemed forward-looking state-
ments that involve risk and uncertainties.
Words or phrases ìwill likely resultî, ìare ex-
pected toî, ìwill continueî, ìis anticipatedî,
ìestimateî, ìprojectî, or similar expressions
are intended to identify ìforward-looking
statementsî within the meaning of the Private
Securities Litigation Reform Act of 1995.
Factors which could cause actual results
to differ, include, but are not limited to, fluc-
tuations in interest rates, changes in economic
conditions of the Bankís market area, changes
in policies by regulatory agencies, the accep-
tance of new products, the impact of com-
petitive products and pricing and the other
risks detailed from time to time in the Bankís
and Corporationís reports.
These forward-looking statements repre-
sent the Bankís judgment as of the date of
this report. The Bank, disclaims, however, any
intent or obligation to update these forward-
looking statements.

No summer
vacation for
the Chamber
ìSummer time and the living is easy. î
I donít know about easy but it sure has
been hot and muggy this year, but no com-
plaints because old man winter is right around
the corner.
It has been a great sum- A word from
mer so far and there are more the president
events happening for the
Chamber members to give
you more opportunities to
promote your business.
The big event, the
Womenís Expo is gearing up
to be the biggest and best
of all expoís so far.
Donít miss this one!! a column by
Earlier this year we did a Rick Laidler
survey of our members and
asked if you would be interested in a merger
with the Lake Orion Chamber and would you
support this arraignment.
We have had our first meeting and dis-
cussions continue.
We will keep you posted on the progress
of the merger talks, so far things look very
promising.
The Oxford VIP Card has turned into a
very successful program bringing more cus-
tomers to the businesses in Oxford.
If you are not a participating business on
the card or have not purchased a card then
you are missing out on a great chance to get
more business.
The card is very popular with the public
taking advantage of the discounts offered
and our members who are participating all
agree it is working and bringing more busi-
ness to their stores and shops.
There are over 60 businesses now on the
card, so if you are a member of the public,
you should buy a card for $10 and with just
one purchase at a participating business you
can get back the cost of the card.
The Oxford Chamber Board of Directors
continues to search for ways to improve your
chamber and benefits for you our members.
We need your feedback to help us help you.
Take a minute and send an e-mail to the
Chamber office and give us your opinion on
how we are doing and what could we do for
you to improve our relationship.
This is your Chamber, please give us your
feedback, good or bad, that is the only way
we can improve our service.
Enjoy the rest of the summer.
“Committed to promoting,
enhancing business prosperity
for our members.”
Call 248-628-0410 or visit us online at
www.oxfordchamberofcommerce.com
Board Seat Filled!
Congratulations Anna Taylor,
owner of Pink & Charlie
†The Oxford Chamber of Commerce has
filled the vacant seat on the board with Anna
Taylor who is the owner of Pink & Charlie!
†Congratulations Anna and welcome! We
are excited to have your enthusiasm, energy,
and positive attitude on the board!
Anna Taylor owns Pink & Charlie in down-
town Oxford, and still finds time to sit on
many committees and boards. In addition to
being appointed to the Chamber board, Anna
also sits on the DDA board, is involved with
the Economic Restructuring Committee, was
the founder of the ìGirlfriends Walkî and is a
What’s The Biz -- September 2010 5
part of the Chamberís networking team!
The Oxford community is lucky to have
Anna Taylor. She is dedicated, committed,
and full of ideas and she is going to be a
wonderful addition to the Chamber board!
The board is looking for more willing indi-
viduals to sit on the Chamber board for a 3
year term beginning in January of 2011! If
you are interested in becoming involved and
making a difference in your community and
the Chamber please call 248-628-0410 to get
a board application. The deadline is Septem-
ber 8 at 5 p.m.
Make a wise
investment,
join the
Chamber
Joining the Oxford Chamber of Com-
merce is an exciting and great investment
for your business.
Simply being a member
News from provides you with a lot of
the director opportunities, such as co-
operative advertising, and
referrals.
However if you want
to leverage your member-
ship and grow your busi-
ness itís important to fully
tap into everything that
your membership benefits
a column by offer.
The Oxford Chamber
Holly Bills
of Commerce REFERS
your business.
Referrals are an important and free way
to get more business.
Referrals are also one of the best ways
to gain new customers and it doesnít cost
a dime!
The Oxford Chamber of Commerce
offers our members a 24 hour referral ser-
vice on our website so that anyone can
find you day or night!
As a Chamber member you will have
your logo, business name, contact infor-
mation and a link from the Chamber
website to yours for free!
It is amazing how many calls I receive
in a week asking for referrals!
Another great benefit that you can take
advantage of as a Chamber member is
right here in the Oxford Leader, Biz Sec-
tion.
Each month members can submit a 50
word ëdid you knowí about their business
and get free advertising.
All you have to do is e-mail your informa-
tion to me at
info@oxfordchamberofcommerce.com be-
fore the 2nd Wednesday of the month and
we take care of the rest!
Each month check out my article to
learn more free and inexpensive ways to
promote your business through the Ox-
ford Chamber of Commerce!
It is our goal to ensure that our mem-
bers VALUE, exceeds their INVEST-
MENT!
6 What’s The Biz -- September 2010

There are no
good reasons
not to join the
Chamber
No time for it ñ all the more reason to give your
financial support to those who are working on your be-
half.
Canít afford it ñ membership costs less per day†than
your daily cup of coffee and lunch.
Iím just a little guy ñ the best way to grow is by
supporting your Chamber of Commerce.
Not interested ñ Canít be true. You are interested in
the community. You are interested in developing a pros-
perous business. You are interested in improving the
economy. You must be interested in the Chamber of Com-
merce.
†The Chamber is a resource to many people and orga-
nizations locally, regionally, and nationally.
ï People call the Chamber before they dial 411.
ï People call the Chamber before they use the Yellow
Pages.
ï People call the Chamber to obtain information on
Businesses.
ï People go to the Chamber to find out who Commu-
nity Leaders are.
Business Expo tent rocked
ï People go to the Chamber for Demographic Infor-

at Celebrate Oxford
Save the date! Oxford was rocking at Celebrate Oxford and so was the
Chamberís business expo tent!
A thank you goes out to everyone that made this event as
but were also there late at night helping to set up and stayed
after the event to clean up!
Tim and Kevin are both board members and volunteer

Save the date!

successful as it was! their time to help support the Chamber!
There were many dedicated volunteers that gave of their It was great to see so many people in the Oxford commu-
time and talent to bring this event to downtown Oxford! nity reaching out and supporting our local businesses today
A special THANK YOU goes to Tim Walker owner of H&R at Celebrate Oxford!

Save the date!

Block and Kevin Wisely with Genisy Credit Union who chaired Thank you to everyone who attended the event and who
and co-chaired the business expo tent during Celebrate Ox- came out to see our business expo and played bingo with us!
ford in August and who not only gave their time to the event, Our community is so strong and ërockiní because of you!

October 9th ñ Womenís Expo-Ox- Thanks to our sponsors

ford Middle Schools! Vendor appli-
cations are available, please call
248-628-0410 to find out more!

December 4th ñ will be the an-

nual Oxford Chamber of Com-
merce Christmas parade. To par-
ticipate please call the Chamber
office at 248-628-0410 to receive
an application.

Did you know?
That Community Insurance Center is
an independent insurance agency and can
shop your insurance with over 5 different
insurance companies in our office and have
been in Oxford for over 50 years? Shop
locally and save money, stop by or call us
at 248-628-2505 today for your free quote.
****
Oxford Smile Center is a certified†CEREC
provider†which means†Dr. Khoury can
do†CROWNS in ONE VISIT?† (248) 969-
SMILE www.oxfordsmilecenter.com
****
Pee Wee Patch is excited to announce
that, in addition to our current preschool
curriulum (High Scope), we will now be of-
fering a Montessori preschool classroom!†
We are thrilled to announce that Kristi
Spear, former owner of Learning Link will
be teaching the program!† Kristi is a certi-
fied Montessori instructor with 25 years ex-
perience teaching preschool. Call or stop
in†for more information!† Register early for
As a Chamber member you can advertise for FREE in our “Did You Know” section. Provide Holly Bills
a 50 word statement about your business or an upcoming event, and it will run in the next issue of
the Oxford Leader’s BIZ for FREE. Call the Chamber of Commerce at 248-628-0410 for more informa-
tion.
Have you had a ëWich yet?
ëWiches is a brand new restaurant located
at the Northeast end of downtown Oxford.
ëWiches features the freshest and most
flavorful food in the area. From the fresh
baked bagels, to the fresh made bread used
for the delicious (sand) ëWiches, to fresh cut
salads, homemade soups, gourmet brick
oven pizzas, or amazing (from scratch!) des-
serts, ë
ëWiches has something for everyoneísí
taste buds!
The ëëëWiches available include the ìTur-
key Chokeî with honey smoked turkey
breast, spinach artichoke spread, Swiss
cheese and Roma tomatoes; the ìCuban Bî
with cinnamon apple wood smoked pork loin,
Black Forest Ham, Swiss, pickles, Dijon, and
mayo; or the ìVeggies Are Good For You!î
with sautÈed Portabellas, caramelized onions,
Roma Tomato, Provolone, and a fresh Greek
cucumber-dill Tzatziki Sauce.
The menu is always changing to reflect
the season and local produce with a new
ëWich of the week being available every
seven days. Specialty Pizzas include Sweet
& Sour Chicken, Seafood, The Greek, BBQ
Chicken, BLT, Philly Cheese Steak, and the
Meat Mountain. Offering Dine in, Carry Out,
and Delivery (with the largest delivery range
in the area), ëWiches makes it as convenient
as possible to try their fare.
Additionally, ëWiches offers a wide vari-
fall.† Availablity is limited! 1796 South
Lapeer Rd., Lake Orion, Michigan 48360
248-814-1010.
****
Burdick Street Landscape Supply and
Equipment just took on the Snow-Ex line
of Salt Spreaders and Billy Goat Blow-
ers!! Come out and see whatís new! 43
East Burdick Street, Oxford, 248-969-
2800.
****
Oxford Chamber of Commerce will be
holding the Womenís Expo on a Saturday
this year. Mark your calendars for October
9th at the Oxford Middle School. This will
be the same great event, moved to a differ-
ent day! To get information on how to be a
vendor or a sponsor call 248-628-0410.
****
Oxford Goodwill store has new mer-
chandise from a well-known box store at
up to 50% off their retail price?
Thanks to ‘Wiches
owner Patrick Hingst
and his staff for host-
ing the Chamber’s Aug.
12. dining fund-raiser.
ety of Gluten Free options.
Big eater?
Come take a shot at glory by completing
the Wicked ëWich Challenge!
Youíve got 30 minutes to crush the behe-
moth sandwich to pick up a prize pack and
immortalize yourself on the Wall of Fame! Got
a party coming up?
ëWiches has many catering options to fit
your needs, including ëWich Platters, Fresh
Fruit Trays, Pasta Pans, Pizza Packs, and the
brand new Summer BBQ menu featuring
Apple Wood Smoked Pulled Pork and Beef
Brisket with homemade barbeque sauce.
Finally, ëWiches now offers a variety of
(REAL!) Fresh Fruit and Coffee Based
Smoothies!
What’s The Biz -- September 2010 7
Whatís Happening in September?
Check out whatís happening in Septem-
ber.
September 14th -there will be a geo ther-
working begins at 11:30am, lunch will be
served at Noon and the meeting will begin
at 12:30pm. Cost for members is $10, non-
members is $15. Please RSVP by calling the
mal seminar hosted by Ferguson Heating Chamber office 248-628-0410
and Cooling and Kevin McGuffin at the
Oxford Public Library on Pontiac Street from
6:00pm-9:00pm. The seminar is FREE but September 24th you are invited to join
please RSVP so we can make sure that there us for Coffee Talk. This facilitated network-
is enough seating for everyone. Come and ing event is held in the Community Room
find out how a geo thermal system works inside the Oxford Twp and Parks building
and how it can offer you great savings! from 9:30am-10:30am. Coffee and donuts
248-628-0410 are provided and itís free, so bring a friend.
This is a great place to meet, greet, eat, and
September 16th there will be a member- network! Please RSVP by calling the Cham-
ship luncheon held at Chardonnays Res- ber office at 248-628-0410.
taurant, 595 N. Lapeer Road, Oxford, net-
Welcome new members!
Ageless Day Spa & Salon
Pictured L-R (Janis Perez & Scott Keller with Primerica, David with Verizon Wireless,
Gene Bone with Affiliated Construction, and Susan Baker, owner of Curves in Oxford).
New members not Funky Monkey Toys
Great Lakes Elite Gymnastics and Cheer
pictured:
ITW Futura Coatings
Kapala Heating and Cooling
Live, Laugh, Love & Scrap
Ageless Day Spa & Salon
Mary Kay Cosmetics
All Things Possible
Mr. Appliance
Burdick Street Landscape Patriot Creative Video
Chardonnays
PKSA Karate
Downtown Salon
Special Collections Enterprises
Egress Solutions West Burdick Condos
Fertilizer Plus
8 What’s The Biz -- September 2010
Small Businesses, Big
Health Care Changes
By Lea Wellette, EA
Nearly one in five employees works
for a business with fewer than 20 em-
ployees, and 96 percent of all private sec-
tor businesses have fewer than 50 em-
ployees. Health care reform impacts
small businesses in both of these catego-
ries, but in different ways.
With all the confusion surrounding
what health care reform means for small
businesses, small-business owners should
learn more about the key business tax
provisions of health care reform. Some
of the most common issues small busi-
ness should become familiar with include:
ï What makes an employer a ìquali-
fied employerî?
ï Is there a formula to determine who
full-time employees are?
ï When will non-compliance penalties
be charged?
The credit is available for the first time
in 2010 and is worth up to 35 percent of
eligible employer-paid health insurance
premiums. Small business owners may
have already received one of the post-
cards the IRS has sent to more than 4
million businesses and tax-exempt orga-
nizations announcing the availability of the
credit.
ELIGIBILITY
To qualify for the credit, small busi-
nesses must have no more than 25 full-
time equivalent (FTE) employees for the
year. In addition, the business must pay
an average wage of no more than $50,000
per FTE employee and pay at least 50
percent of the insurance premiums for
covered full-time employees under a
qualifying health insurance plan arrange-
ment.
CLAIMING THE CREDIT
The new credit will be claimed as part
of the General Business Credit. The
credit is nonrefundable, but the unused
Chamber, DDA offer
credit may be carried back one year and
carried forward 20 years. However, the
2010 credit cannot be carried back to
Oxford VIP Card
2009.
The deduction for health insurance pre-
miums is reduced by the amount of the
credit claimed. The credit does not off- Oxford Chamber of Commerce and the ping local
set employment taxes but is allowed for Oxford Downtown Development Author- ï You will receive monthly e-mails an-
AMT. ity are pleased to offer the ìOxford VIP nouncing new participating businesses
For more information and details on Card.î As a Card Member you will have (see below) and new specials being offered
the credit, see IRS News Release IR- access to exclusive SPECIAL OFFERS at to Card Members only, and proceeds from
2010-48 and the Frequently Asked Ques- numerous participating businesses, as well the purchase of your Card will help the
as information and updates on all upcom- Chamber and the DDA further promote the
tions posted to the IRS web site. ing Oxford area events. † Oxford area.
For more information about small-busi- If you love Oxford as much as we do, Be an Oxford VIPÖshop local, dine lo-
ness taxes, visit a tax and financial pro- then become an Oxford VIP Card Member cal and help your hometown. Look for the
fessional. today for only $10 and start saving money Oxford VIP Card window decal to find
Lea Wellette is an Enrolled Agent at your favorite stores and restaurants.† participating businesses. Your Card is good
and the Business Services Manager The benefits of becoming a Card Mem- until April 30, 2011. Call the Oxford Cham-
for H&R Block in Oxford. You can ber are:† ber of Commerce at 248-628-0410, or go to
ï You save money every time you use it www.oxfordvipcard.org get your card and
reach her by calling 248-628-4714 ï You keep your dollars local by shop- start saving today!
‘Wiches Gimmie’s Bar & Grill (Oxford) Margot’s Gallery Marine Service
Goddard Preschool
24th Street Tavern Mia’s Cleaner’s LLC See Our Special Offers
H & R Block
A & A Flowers Mr. Appliance of Northeast Oak- Servpro of Lapeer
Hair by Christe at Downtown Salon land County
A Familiar Taste Sisters Hair Care
Head to Toes Spa Odd Job Disposal
Achatz Handmade Pie Co Snap Fitness
Healthy Smile Center Ox Bar & Grill
Ageless Day Spa & Salon Soothe Your Soul
Historic White Horse Inn Oxford Family Shoes
Anytime Fitness Sweet & Savory Bake Shop
Italia Gardens Oxford Goodwill
Bruce Tabak, DPM Sylvan Learning Center
Jets Pizza Oxford Hardware
Burdick Street Station The Oxford Tap
Johnston Photography Oxford Orion Plumbing, Heating
Casa Real & Cooling The Tan Company
JP’s Piano Moving
Chic Antiques Oxford Wine & Beverage Tropi Tan
Kids Corner
Cottage Inn Pizza Patriot Creative Video Veolia E.S. Solid Waste
Lake Orion Assisted Living, LLC
Covered Wagon Saddlery Patterson Pharmacy Victoriaís Delight
Lapeer County Bank & Trust
Ella Fashion Pink & Charlie Villa de Goochi Salon & Spas
Lifetime Wellness Family Chiro- Red Knapp’s American Grill
Facials by Jude practic VIP Tanning
Regina Paul Salons
Filak CPA Group, PC Live, Laugh, Love & Scrap Wireless Toys
Lori’s Pet Paradise Reliable Boat Repair Mobile
 What’s The Biz -- September 2010 9

James R. Porritt, Jr. Tenant

protection in
ATTORNEY
30 Years Real Estate Experience

foreclosures
Licensed Broker • Chairperson of County Bar R.E. Comm
Member American & State Bar R.E. Sections

248-693-6245 Among the many enactments in-

The Goddard School of Oxford is
now having customers come in with
their VIP cards to receive their VIP
benefit! We LOVE Oxford and the
new VIP card! Great way to support
your local business! Thank you to the
Chamber and DDA
ñ Michelle Stuhlreyer, co-owner
of The Goddard School in Oxford
HEALTHY SMILE CENTER
Personalized Gentle Care
cluded in The Wall Street Reform and
SIMPLE WILLS e Fr Consumers Protection Act recently
• Self directed disposition of assets Con e Init passed by Congress is a continuation of
sul ia
• Your choice of administrator tati l the effective period for protection of ten-
• Your choice of Guardian for minors on ants who find themselves
• Your choice of Trust for minors to be set up after your passing. in homes that have been
“Avoiding Probate” does not justify the cost or inconvenience of setting up a Living Trust and maintaining it for the foreclosed upon.
rest of your life. Michigan’s unsupervised probate procedure is inexpensive, uses preprinted forms, avoids formal The protection is
accountings, court appearances, or approval of asset disposition. now extended to the end
of 2014. A significant
For Sale By Owner change is added which
TRANSACTION Short Sales requires that the tenants
be given not less than 90
• Advice, preparation of Purchase Agreement, Procedures & Negotiations days notice and that the
Mandatory Disclosures & related documents. Attorney James 90 days does not begin
If You Must Sell Your Home R. Porritt, Jr.
• Coordination of financing, inspections, surveys, And Cannot Without A until the expiration of the
appraisals, title work & closing Reduction In Your Mortgage landlord's redemption period.
Cash To New Mortgage Transaction 1/2of 1% In other words, if the landlord has
Balance, Call For An
Seller Financed Sales 1% been foreclosed upon and a sheriff's sale
Appointment. held, the tenant will have a period of 90
(Land contracts, private mortgages, lease with option)
days after the expiration of the usual 6
436 S. Broadway (M-24) , Suite C • Lake Orion month redemption period to vacate.
Tenants occupying properties which
“For All Your Family Pharmacy have been foreclosed can gain access
to information about the sale and appli-
Patterson
Needs”
cable redemption periods from the Reg-
For The Entire Family
New Modern Office With Prescription Pharmacy ister of Deeds.
State-of-the-Art Equipment
1 S. Washington St. • Oxford

Order your
9 N. Washington
(M-24 - Lapeer Rd.) • Oxford MarthaVega-Crist,DDS 248-628-2538 • Fax 248-628-0721
248-969-4840 Tim Davidson, R.Ph.

$10 peach
Hey
Creative
Trade the Embroidery
pies from
Oxford!!
Computerized Embroidery & Monogramming

things Custom Designs, Personalized Gifts

Achatz
Business, School & Team Logos • Varsity Jackets

they no longer 10 E. Burdick St. • Oxford

248-628-9531

need
General Insurance
till Aug. 31
for cash in the Insurance Protection for your Each year Achatz Handmade Pie Co.
hosts a ìPeach Festî, the weekend of La-
BUSINESS • HOME • AUTO
Classifieds. If you didn’t read last week’s
Immediate Coverage
Friendly, Personalized Service
bor Day. On Friday September 3rd, Sun-
day September 5 and Monday September
Oxford Leader
Leader,, you don’t know 6 (closed every Saturday).
The what you’ve missed!!!
Serving The
Orion/Oxford All three pound peach pies will be only

Oxford Leader
Area $10, regularly $14 and up.
52 Weeks - For 56 Years Peach Fest will be held at all seven area

$30 in Oakland County

www.hastingsmutual.com Achatz locations- Chesterfield, Oxford,
Troy, Sterling Heights, Armada, Shelby
248-628-4801 Township and Beverly Hills. Call ahead
Fax 248-628-9750 oxfordleader.com or and reserve your Peach Pie at this special
price! Orders will be taken from now till
oxfordleader.com call 248-628-4801 1097 South Lapeer Road • Oxford
248-628-2565 • www.dkpins.com
Tuesday, August 31.
 Questions to
10 What’s The Biz -- September 2010
Go W ildcats Special
“Go Wildcats”
ask your dentist
For every new patient that says
Oxford Smile Center will give $25 to the
Oxford High School Athletic Boosters
• Zoom! Theeth Whitening - Brighter Teeth Bring Your Smile To Whether you love to visit the dentist or
Us!
in One Hour view it as a necessary bother, asking the ques-
• Invisalign® - The Clear Alternative to FREE tions below can help you make sure youíre
Braces Photobooth Fun getting the best care for your investment of
• Cerec® - One Visit Crown Treatments For You and time and money. All repu-
• Evening and Saturday Appointments Your Family at table dental practices will Oxford Smile
Homecoming have answers to the follow- Center
• Exams, Cleanings, Veneers, Natural ing questions.
Looking Fillings & More Football Game About the dental prac-
tice:
ï If the dental office is ac-
cepting new patients, how
long does a new patient typi-
cally have to wait for an ini-
tial exam appointment?
John M. Khoury Jr., DDS ï Does the office accept
patients of all ages? John M.
1120 S. Lapeer Rd. • Oxford, MI 48371 ï Do appointments gener- Khoury, DDS
ally run on time?
OxfordSmileCenter.com ï How long has the practice existed and
Dr. Khoury supports the local community with elementary educational visits, will you provide referrals?
Halloween candy buy-back and support of school athletic programs. ï Does the practice have any areas of spe-
cialty?
248-969-SMILE ï Are the dentists licensed and board certi-
fied?
ï Are the dentists members of any profes-
sional associations? Why or why not?
ï How are emergency appointments
handled?
ï How does the practice stay up to date
with techniques and technology?
About procedures:
If you’ve tried physical therapy
in the past without lasting results,
TMR might be right for you
For many people, painful and stiff joints
TOT
TOTAL AL MOTION RELEASE and muscles are a part of their daily routine.
(TMR) might be right for you. Often, the solution involves scheduling
several physical therapy appointments, co-
payments and treatment that is difficult to
TMR helps balance the body carry over at home.
Now, thanks to Total Motion Release
to reduce or eliminate pain (TMR), there is a fast-acting, movement-based
and stiffness. The “Ar
“Armm Raise” system that patients can learn on their own to
ease their aching backs and stiff shoulders.
exercise (shown here) is an Dan Garr, MPT and co-owner of HealthQuest
excellent way to help reduce Physical Therapy and Wellness Center in
Oxford, MI has been applying TMR to most
lower back pain and stiffness. of his patients for the past two years.
TMR was founded by Tom Dalonzo-Baker
in Raleigh, NC and is growing in popularity
Call For A FREE CONSULTATION Today! as more physical therapists are becoming
trained.
TMR is easy and can help to reduce pain in minutes! ì Total Motion Release is a simpler and less
painful approach to healing,î explains
Dalonzo-Baker. ìWe use the good areas of
Oxford • 53 S. Washington St. • 248-236-0035 the body to fix the bad or injured areas of the
body. These good areas are typically found
on the opposite side of the injury. î
Many of Garrís patients are skeptical at
ï What procedure(s) will offer me the best
and longest lasting results?
ï How many treatment sessions will I
need?
ï What if any pain should I expect? How
can we maximize comfort?
ï Can crowns be done in one visit?
ï What type of relaxation techniques and
anesthesia are used?
ï Are my desired results realistic?
ï If a procedure needs to be repeated/cor-
rected will there be a charge?
About payment options:
ï What insurance does the office accept?
ï Is there any benefit to paying upfront?
ï Does the office accept co-pays or will I
be required to pay the full amount and then
be reimbursed by my dental insurance car-
rier?
ï Can you tell me if my insurance covers
specific procedures before I decide what to
have done?
ï If I am paying out of pocket what are my
financing options?
For more information call (248) 969-SMILE
or visit www.OxfordSmileCenter.com Dr.
Khoury supports the local community with
programs such as Halloween candy buy-
back, Donated Dental Services, elementary
educational visits and support of school ath-
letic programs.
first, but often times the results speak for
themselves.
Many patients see and feel results the
same day and can learn to keep themselves
feeling better with some very simple move-
ments.
Many of Garrís patients have had physi-
cal therapy for the same issue in the past, but
have never experienced this new treatment
approach.
The odd thing is that the movements are
done on the opposite side of the injured area.
The most important aspect in the TMR
system is that the entire process can be eas-
ily taught to patients, which allows them to
become their own therapist. Garr has com-
pleted all three levels of TMR training and is
the only TMR Level 1 instructor in Michi-
gan. ìTMR has completely changed my ap-
proach to patient care.î
For more information or to schedule a free
consultation, contact Dan Garr at:
HealthQuest Physical Therapy and Wellness
Center 53 S. Washington Street Oxford, MI
48371 248-236-0035 dgarr@hqpt.com

Organize your finances
Quick - how much money is in your
share draft account right now?
Surprisingly (or not so surprisingly),
one of the biggest obstacles to always
having the money for ev-
erything you need when Lakes
you need it, is not having Community
a system to track your fi- Credit Union
nances.
Organizing your fi-
nances is one of the three
laws of smart money man-
agement. The second is
The Law of 10 Cents (save
ten cents for every dollar
you earn). The third is En-
joying the Wait (pay cash
instead of credit). Getting Carolyn Chevier,
organized takes time, but president
doesn't require any dras-
tic lifestyle changes.
You can organize your finances us-
ing software programs or online services,
such as Quicken, Mint, Geezeo and
Wesabe. Lakes offers free Budget Smart
software to our members through our part-
ner Accel. They all work well - if you use
them.
Like purchasing a treadmill, getting
started feels like a commitment, but when
you use your chosen method consistently
you will see the positive results.
Once you've entered information ac-
curately, you'll have a full picture of what
categories are getting what percentage of
your income. For example, you might think
Biz is good so Poseidon expands
By C.J. Carnacchio
Leader Editor
With so many Michigan businesses
downsizing or even closing their doors these
days, itís always good to hear of one thatís
expanding ñ especially when itís in Oxford.
Poseidon LLC recently signed a two-year
lease for 6,250 square feet of industrial space
located at 465 S. Glaspie St. inside the
villageís industrial park.
The company was previously housed in
a 2,000-square-foot space at 977 S. Glaspie
St., but owner Carl Semble, of Lake Orion,
indicated he needed room to grow because
business has been so good.
ìLast year was my best year and this year
Iím expecting twice the amount of sales,î he
said.
Poseidonís customers are involved in the
printing and converting industry, which
manufactures foldable, thin cardboard pack-
aging such as cereal boxes, McDonaldís
french fry cartons and clamshell containers
for Chicken McNuggets.
Poseidon rebuilds and technologically
upgrades old printing and cutting machines
along with manufacturing new material han-
What’s The Biz -- September 2010 11
you spend five percent of your income on
groceries, but in tracking your use of debit,
credit and checks, it might show you that
the percentage is closer to twelve. A soft-
ware program or online service makes it
easy to see all this and more.
Advantages aside, if you know you
won't use the software, don't buy it. You
might use a combination of Excel and
Word to track where your money goes, or
simply use pen and paper. You need to
track income, expenses, deposits, with-
drawals, credit card use and every penny
that leaves your possession.
If you choose the pen and paper route,
buy a special notebook exclusively for this
purpose, or get a pre-formatted budget
workbook. Figure out what works best for
you, and give yourself three to four hours
to set it up. Schedule a few minutes every
week to update your records.
The payoff? You'll know where your
money is and what it is being spent on,
which is the first step to making the
changes that will positively affect your
level of wealth.
Also available to Lakes Community
Credit Union members is Accel Financial
Counseling, which can help you get your
finances in order.
Lakes is your Community Credit
Union.
Mark Your
If you live, work or worship in the Oak-
4
land County you can join! Come experi-
ence "the Lakes Community Credit Union
difference."
Calendars
dling equipment, which consists of convey-
ors and robotics.
As more and more companies look for
3 Great Special Sections
ways to save a buck, Poseidon is reaping the That Will Be Sure To Increase Your Business
benefits.
Celebration
ìBecause of the economy, our customers
are choosing to rebuild old equipment rather
than buy new equipment,î Semble said.
The company has no permanent
4 of the Horse
September 22
workforce. Metamora, Dryden & Hadley
ì We get a job and I bring contractors in.
When the jobís done, the contractors go
away,î Semble explained.
However, Semble noted he may need to
hire a couple of people to manage the office.
4 Women’s Expo
September 29
Sharing the new space and working
The Oxford Leader & Lake Orion Review
4 All Things Autumn
closely with Poseidon are two other compa-
nies ñ JPAV Corp. and Converting Alterna-
tives International (CAI).
JPAV is doing the mechanical engineering October 21
while CAI is handling the sales and market- The Oxford Leader & Lake Orion Review
ing.
ì Weíre all working toward the same thing, Call Your Ad Representative Today
basically,î Semble said.
Established in 2003, Poseidon was origi- For More Details
nally located in Rochester. The company
moved to Oxford about a year ago. 248-628-4801
12 What’s The Biz -- September 2010

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

Where you come first.