Lake Orion Biz, May 2010

8/9/2019 Lake Orion Biz, May 2010

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May 2010 -- Whats The Biz -- Lake Orio

BIZBIZBIZBIZBIZA monthly collaborative with the Orion Area Chamber of CommerceA monthly collaborative with the Orion Area Chamber of CommerceA monthly collaborative with the Orion Area Chamber of CommerceA monthly collaborative with the Orion Area Chamber of CommerceA monthly collaborative with the Orion Area Chamber of CommerceOrion StyleOrion StyleOrion StyleOrion StyleOrion Style

Whats theWhats theWhats theWhats theWhats theWhats the

May 2010 Vol. 3 #13


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2 Whats The Biz -- Lake Orion -- May 2010

248-393-0403www.agconsultingservices.com

Your QuickBooks,Tax & Financial Resource Center

1. Certified QuickBooks ProAdvisor / Accountant

2. Tax Preparation & Tax Planning / Tax Advisor

3. Benefits Counselor

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We will always return your call

248-393-0403

Ready to make a change

and move forward?

Last week you (or your tax preparer)may have been scrambling to get your per-

sonal taxes and/or partnership returns filed.Many of you have already receivedthose nice refunds the stimulus and recov-ery act helped you get,depending on your in-come level.

Some of youprobably had to file anextension because youare waiting on yourschedule K-1 fromyour partnership, subs corporation or otherinvestments that wereput on extension.

The rest just procrastinated getting yourtaxes completed.

Well, its time to stop thinking about2009. Get yourself thinking and doingsomething about 2010 now.

Most people do not even give their busi-ness and personal taxes another thought until..January of the following year.

Tax law changes have been in constantmovement these last couple of years andthey will continue to be moving at a fasterpace than ever.

So how are you going to take advan-

tage of these changes if you arent orga-nized and ready?

Here are some things to start doing nowto help you get a grip on your taxes for2010. First, start a 2010 Tax File now.

Do not use ashoebox (yes,

people still usethese) or thoseugly manila fold-ers. Get yourselfsome fancy color-ful folders with

pockets and anotebook so youcan keep every-thing organized

throughout the year.If you have a business, color co-ordi-

nate your business (ie; solid colors) and per-sonal files (ie; strips).

Label your folders for the differentincome and expenses you need to keep trackof for tax purposes. For example, label thefirst folder W-2s, the 2nd folder 1099-INTfor interest income, the 3rd folder 1099-DIVfor dividend income, the 4th folder 1099-Bfor investments that you sell throughout theyear.

Set up your expenses the same way.

Folder 1) real estate taxes and 1098-INTfor mortgage interest, folder 2) auto regis-

tration tabs (boats, motorcycles, trailerstoo) newer than 1986, folder 3) charitablecontributions.

For contributions you must have a de-tailed list what you donated, estimated valuewith a receipt from the 501(c)(3) organi-zation. The Salvation Army has a very goodlist. Go to www.salvationarmyusa.org un-der Ways to Give the last item is DonationReceipts Valuation Guide. Print this listout and keep it in this folder for reference.

The key here is to organize your taxfile with the income and expense items you(not your neighbor, brother, sister, etc.)need to track for your taxes.

If you have a folder for each type ofitem it will help you to stay organized, fo-cused and reduce your stress at tax time.

The next step you should do is to prepare a budget for the rest of 2010. Thiswill help you see what is coming in andwhat is going out every month. Did youknow most people do not have a house-hold budget?

Put your net pay (what is directly de-posited into your account) in first then yourexpenses.

Do not use your gross. If you useyour gross you will definitely run intotrouble managing your budget. You cantspend the amount that has been withheldfor taxes.

Put everything, and I mean everythingyou spend money on, in your budget. Thethings you pay quarterly (ie: garbage ser-

vices, newspaper, water) you should splitthis out monthly on your budget becausesooner or later you have to pay for it. sowhy not budget for it and be ready. Thisdefinitely helps you be proactive and getahead of the game.

Finally, make yourself use your bud-get. I know at first it will be really difficultto do because it is like looking at yourselfin the mirror.

But as you use your budget monthly,you will begin to be more comfortable withit and hopefully see how beneficial this toolreally is to help you manage your money.Rome wasnt built in a day, neither can yourfinancial future.

Anita Gates Delventhal is President

& CEO of A.G. Consulting Services Inc.She is an accountant, tax advisor and ben-efits counselor with 25+ years of experi-ence in the small business arena helpingher clients handle employee benefits, ac-counting and tax issues. She is also aCertified QuickBooks ProAdvisor andRegistered Representative. For more in-formation call 248-393-0403 or email herat [email protected].

Tax and organizing tips for 2010

Put everything, and I mean ev-

erything, you spend money on,

in your budget...This definitely

helps you be proactive and get

ahead of the game.

-Anita Gates Delventhal,A.G. Consulting Services Inc.

Orion Area Chamber of Commer

2010 Chamber Leadersh

PresidentRosemary Rangi

Crittenton Medical Equipment

Vice PresidentBill Kokenos

Orion Senior Center

TreasurerAlice Young, CPA

SecretaryLoretta Spatafore

uSellOnlineDirectors

Martha BergquistCoffee News

Carl CyrowskiMichigan Global Solutions LLC

Theresa FioraniCanoe Circle Graphics

Elizabeth MeyerGenisys Credit Union

Dawn NeelySeniors Helping Seniors

James PorrittAttorney at Law

Neal PorterVette Products

Linda SicklesOrion Township Public Library

Monica SquarciaNational City Bank /PNC

Karen UlrichQueensland Marketing

Craig ZmijewskiAAA Michigan

Executive DirectorAlaina Campbell

Orion Area Chamber of CommerP.O. Box 484

Lake Orion, MI 48361248-693-6300

[email protected]


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Orion Area Chamber of Commerce

A message from Chamber President Rosemary Rangi

Briefly

Rosemary Rangi,President, OACC

New director takes reins at Chambe

This year the Orion Area Chamber ofCommerce will be celebrating the 60th An-niversary since itsformation.

The Chamberbegan in June of 1950and has played a veryviable role in the LakeOrion community.

Past presidentsand their board of Di-

rectors have in-cluded many well-recognized individu-als that are still very active in the area to-day.

Over the years, we have sponsored avariety of different events for both busi-ness and community participation.

Most notable is our Community Busi-ness Expo in May and the Chili Challengein September during Barn Daze.

Many people do not realize that theOrion Area Chamber was initially respon-sible for starting the Orion Christmas Pa-rade as well as the Veterans Memorial.

We will be acknowledging our anni-versary in October with a dinner/dance.

We will be inviting back all past presi-dents and board members to attend thisreunion.

Additional details of the event to fol-low in the coming months. You can con-

tact us either by phone at 248-693-6300,or at [email protected] the interim, we are asking if any

Orion resident or business has any memo-rabilia involving the Orion Area Chamberto please forward it to us to share for thisevent.

The Orion Area Chambers mission ismulti-purpose.

First of all it provides its membershipwith an avenue to meet other business

owners through its networking eventIt keeps you abreast of issues af

ing your business and also ways toprove the way you do business.

Participation in Chamber activitia great way to promote your businLastly, the Orion Area Chamber of Cmerce is part of a united voice for the cmunity.

We can leverage our size and relatship with our local governments to a

change that benefits our members,business community and our commuat large.

We also try to promote our memship to shop local any time they cakeep dollars in our own area.

Join is as we celebrate our 60th aversary.

Rosemary Rangi is DirectorCrittenton Medical Equipment.

OACC celebrates 60th anniversaryWin a carSt. Joseph Church and

School is now selling tickets inits 9th Annual AutomobileRaffle. Win a 2010 GMC Sierraregular cab (outright ownership)or a 2010 GMC Acadia/BuickLaCrosse (36-month lease), ora $15,000 cash grand prize.

Four other cash prizes willalso be awarded in the amountsof $2,500, $1,000, $300 and $200.Tickets are $100; only 500 tick-

ets will be sold. Drawing heldApril 18 after 12:30 p.m. Mass;need not be present to win.

Please mail check to St. Jo-seph School, 703. N. Lapeer Rd.Lake Orion, MI 48362 (ticketwill be mailed back within 7days), or, purchase after SundayMasses. Raffle supported byGolling Buick/GMC. For moreinformation, call 248-693-6215.

It is with great enthusiasm that I havestarted my first few weeks as the new Ex-ecutive Director of the Orion Area Cham-

ber of Commerce.Along with getting familiar with the

office and my new duties, Ive had the privilege ofmeeting manylocal businesso w n e r s ,elected offi-cials and com-munity mem-bers.

I look for-ward to pro-moting our community and our Chamberof Commerce.

The Chamber has several excitingupcoming events, the biggest being theOrionopoly Community Business Expo to

be held at Lake Orion High School during parent/teacher conferences on Tuesday,May 11 from 4-8 p.m. in the Field House.

This free event will feature local busi-nesses and organizations, a Taste ofOrion with free food from local restau-rants and door prizes.

Its not too late to become a vendor.A registration form can be downloadedfrom our website at the bottom of the homepage at lakeorionchamber.com. Its titled

Alaina CampbOACC Execu

Dire

2010 Community Business Expo Brochure.With an expected attendance of over

1,500 community members this is an ex-

cellent avenue for promoting your busi-ness or organization.

An exciting benefit for businesseswho are ven-dors is thatthey may alsosell merchan-dise at their booth. Takeadvantage ofthis opportu-nity to boostspring sales

and get your name out in the community. Other notable upcoming events in-

clude our Networking Group that meetsevery other Wednesday at 7:30 a.m., andis hosted by various local businesses.

The next one is scheduled for Wednes-day, April 28 and hosted by AAA Michi-gan, 3009 S. Baldwin Rd. in Suite B.

The Oxford Chamber of Commercewill host a joint luncheon with our Cham- ber on Thursday, May 20 at BoulderPointe at 11:30 a.m. This is a great time tonetwork with other area businesses andkeep abreast of local issues.

Join us for our next AmbassadorsGroup meeting on Tuesday, April 27, 10

a.m. at Panera Bread on Baldwin RoThis group focuses on reaching out tobusinesses in our area.

Other notablecommunity eventsinclude the GrowingGreen Earth DayExpo sponsored byOrion TownshipParks and Recre-ation on Thursday,April 22 from 1-7 p.m. at beautifulCanterbury Villagein the Kings CourtCastle Restaurant &Banquet Facility.

And dont for-

get about the Dragon Dash 8K Run Walk on Sunday, May 16 at Civic CePark! A great opportunity to get out

enjoy the spring air. For more informacontact the Orion Township Parks Recreation department at 248-393-704

For more information about Chber events or to find out about becoma member of the Chamber please conme, Alaina Campbell at 248-693-63More information can also be foundour website www.lakeorionchamber.com.

Orion Area Chamber of Commerce hosts

the 2010 Community Business ExpoMay 11

4 to 8 p.m.

Lake Orion High School

In the chipsGrab your shovels, wheelbar-

rows and buckets; Oakland CountyParks is giving away free wood chipsSaturday, April 24 from 8 a.m.-4 p.m.at Orion Oaks County Park, 2301Clarkston Road in Orion Township.Participants can enter at theClarkston Road gate to load woodchips.

Chips are of assorted woodfrom power line maintenance prun-ing and storm damage. All woodchips must be loaded manually intovehicles and small trailers; no com-mercial haulers. Chips may also bepicked up May 8, May 22, June 5and June 19.

Tell the worldWhats happening? Hows business? Send your businessnews and photos to us at the LakeOrion Review and well help spreadthe word about how wonderful youaree - no charge! Email us [email protected]


4/10


By Megan CollierLake Orion Review Staff Writer

A pizza and grinder place is whatnew Bellacinos owner Sam Beydownsaid he needed to have.

I just stumbled upon it up for sale I just needed to get it, he said, add-ing that restaurants are in his blood.

Businessmen in his family own threeSubway (franchises) in the family anda Papa Romanos.

Beydown, now one-month intoownership, says there wont be manychanges to his restaurant, though hedoes plan to bulk up portion sizes a littleand do some small remodeling projects.

As of now, its being run by thebook, just as Bellacinos wants it, hesaid. I want to make it a nice looking

place for families to come and enjoy. A

lot of professional people stop here forlunch they run in here and grab a biteto eat and head out.

Customers order Beydowns Ital-ian grinder most often, also known asthe House Specialty, he said.

Its got ham, sausage, salami,mushrooms, onions, green peppers,cheese, lettuce, tomatoes and mayo.

Beydowns favorite is the chicken

grinder, which is topped with onigreen peppers, cheese, lettuce, totoes and mayo.

All the ingredients are wBeydown calls real food that isunprocessed. Thats part of whyloves the chicken grinder so much

The chicken is really, really gIts actual chicken its not the cessed patty, he said.

Customers can even watch resrant staff form fresh bread dough wooden counter in the kitchen.

Bellacinos offers a wide varietpizza, grinders sandwiches, pastasalads. They even have a special section.

Right now, customers can get ainch, one-item pizza for $8.99 or, 12-inch, two-item pizzas for $14

Care for a sandwich? Cali ruebenschicken barbeque grinders are on cial for $5.90.

Stop by and say hello to Bellacinew owner, Sam Beydown and gsome lunch.

Theyre located at 1188 LapRoad, just south of Clarkston Roadthe west side. Give them a call at 2814-4030.

A pizza andgrinder placeis what newBellacinosowner Sam

Beydownsaid heneeded tohave. Photoby MeganCollier

Taste real food at Bellacino

Michael Toth

The New York Times recently publishedan article about a website that has slowly

grown to be something of a phenomenon inmunicipal informa-tion technology are-nas.

The idea behindSeeClickFix.com. ispretty straight for-ward: See a problemin your community(maybe a burned outlight), post a descrip-tion, location andmaybe a picture, theproblem becomes public discussion, yourcommunity resolves theproblem(hopefully).

Anyone who looks at seeclickfix cansee a map of their area with any problems

pinned.They can read the description, view any

photos and see what responses have comeabout as a result of the post.

In Lake Orions case, I am the onlywatcher, someone who has subscribed toSeeclickfix and receives Emails regardingany issues.

Anyone can be a watcher for any areaand any area can have infinite watchers.This hopefully fosters a neighborhood

watch mentality.The main goal is to bring attention to

problems in a community, whether it be apothole, a bad intersection or graffiti. Ithelps encourage dialog between membersof a community about these issues and hope-fully results in solutions to these problems.

By putting in the public eye it puts pres-sure on government to act or at least give areason for not acting.

Cities all around the world are usingthis free service as another tool to monitorthe community and create communication.Newspapers are also using it as a way tohear what is of concern in the area.

The site is monitored so that inappro-priate posts are deleted to help foster a civildialog.

This service is another tool communi-ties can utilize in ever increasing efforts to

become more efficient, more transparent andmore directly linked withthe community.

So if there is an issue you havent re-ported, this might be an easy way to do so.If you have an iPhone, Seeclickfix has a freeapp that uses GPS to determine the locationof the problem which makes reporting abouta 90 second process. Check outSeeClickFix.com.

Mike Toth is a member of the Lake OrionVillage Council

See it, click it, fix it

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By Laura ColvinReview editor

Butt out. That, essentially, is the message smokerswill hear when a statewide smoking ban takes effectMay 1.

The ban, singed into law Dec. 18, 2009 by Gov.Jennifer Granholm, makes it illegal to light up in res-taurants, bars, theaters or any other public placewiththe exception of cigar bars, tobacco specialty storesand casino gaming floors.

Around the Orion area, reactions were mixed assmokers prepare for a last public puff.

Cheryl Millenbach, general manager at Applebeesof Lake Orion, said she didnt anticipate much of aproblem.

Since most patrons are nonsmokers, she said, andthe restaurant offers only a small area where smokingis currently allowedthree tables and the bar.

And we still get a lot of complaints, because thesmoking area is not closed off, Millenbach said. Ifwe seat a family in one of the big booths around thebar and people nearby light up, the family will say Hey,how do you call this nonsmoking? They get really an-gry with us.

With passage of the new lawthe state Senate ap-proved the bill 24-13, followed by a 75-30 House voteMichigan joins 36 other states with laws against smok-ing; some states have similar statewide bans while oth-ers opted for partial anti-smoking laws.

But while public health benefits seem obvious, theeffect on local business remains to be seen.

In my travels to other places that already had a

ban enacted, they said yes, business from smokersdrops off for a little while, but they get used to it, andthey come back, Millenbach said. It will be a posi-tive for our nonsmoking guests, because they feel in-truded upon.

Greg Mitchell, manager at Christis Bar and Grillon Clarkston Road had a similar opinion.

I dont think itll be a bad thing, he said. A lot

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Want to be a quitter?

of people say Were not coming, were not coming,he said. But I say, Hey, where else are you going togo?

Besides, he noted, the ban could attract new cus-tomers.

For every smoker we might loose, we might gainanother one who didnt come in before because of thesmoke, Mitchell said.

But unlike Applebees, the majority Christis patronsare smokers, he added.

Personally, I dont agree with the law, and Im anon smoker, Mitchell said. Its taking peoples rightsaway. If I go into a bar and somebodys smoking, itsmy choice to go sit next to that person or not.

Keith Aldridge, who manages his familys business

at both Canterbury Castle, where the Clansman Pub islocated, and Indianwood Golf and Country Club,said even as a nonsmokerand one who doesntlike his children around secondhand smokehes notin favor of the law.

I really think it should be up to the local barowner, he said. (The law) is against the Americanway, and I dont think its right for the state to sayYoure not allowed to have smoking here. Its myestablishment; if I want to have smoking, the non-smokers can go to another establishment and viceversa.

A t I nd ia nw oo d, he s ai d, m em be rs h av ebeen vocal about their displea- sure.

Its a private country club,he said. We have a lot of cigarsmokers and guys pay a lot of

money to be in that particularatmosphere; its their club andnow theyre told they cantsmoke cigars. Its a problem.

Problem or not, Aldridge isfaced with the same task as oth-ers in his shoes.

The law, in part, states the

Opinions mixed among locabusiness owners as Michigan

May 1 smoking ban approache

Smoked outSmoked outperson who owns, operates, manages, or is in conof a public place shall make a reasonable effort to hibit individuals from smoking in a public place.

Those caught violating the smoking ban, it swill find the local health department on the doorwithin five days, and both restaurant and smoker cface fines up to $100 for a first offense and $500subsequent violations.

At CJs, Joan Slomczenski said the new law is pably a good thing.

We have a smoke eater to purify the air, she sBut when a lot of people start smoking, we get c

plaints from the nonsmokers.Most who patronize the Sandbar are about 50

cent smokers, 50 percent

she noted, while mwho dine in thejoining restau

are not.Itll prob

be good people get useit, she said.


6/10


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

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By Megan Collier

Review Staff Writer

It will be a whole new storefront. Itwill be a whole old storefront?

Either way, Pattis Place For Hair his-toric faade renovation will be absolutelybeautiful, said Suzanne Perreault,Downtown Development Authority(DDA) executive director.

Using a matching grant from theDDA, worth $12,365, Pattis Place ownerPatti Snider is tearing off what she callsa hideous awning and wood faade,and restoring the front of her 21 S. Broad-way building to its original brick design.The entire project will cost between$28,000 and $30,000.

The renovation, she says, is just in time.

When they took [the awning] off, thebuilder told me I had probably anotheryear and it was going to rot off, she said,adding underneath the wood were lay-ers and layers of building materialschronicling the buildingss 100-year-oldhistory.

But, she found out, through all that, itwas always a home to a barber shop orhair salon. On the first layer, Snider saysshe even found an imprint of the old origi-

nal barber pole.The history of this place is so cool

and Id love to find out more of it, shesaid.

The owner notes shes also uncover-ing some interesting items, like oldnewspapers, in the walls and ceiling whilethe salons interior is spruced up, too.

Sniders also given new life to an old

Salon-ownerPatti Snidershows thebuilding as itwas and as itwill be whenrenovationsare complete.Photo byMegan Collier

staircase to nowhere as a retail dis-play. The staircase used to be the onlyaccess point to her neighbors upstairsapartment. But renovations next doorwalled in the stairs, leaving it quite liter-ally a path leading nowhere.

Snider says shes doing the renova-tions to keep up the historic feel of down-town.

So many buildings are already thso to me its silly if you dont bringerything back to the original histostate. Sheet rock, vinyl siding they dmatch. It just doesnt give it a nice, f

look. You want people to come downsay, Oh, what a cute little town,said.

The DDA director says Pattis Phas been high on the renovation granfor a while, and is pleased with planthe building.

I think what Patti is doing to her buing is going to be absolutely beautisaid Perreault. Its a perfect examof what some buildings could have dotown. She really set a standard for buing rehabs.

According to Perreault, each yeaDDA budgets funds to go for improments that historically preserve buildi

What were looking for from p

erty owners is preserving historical cacter and architecture and matchingmoney that we put up, she said, nothe grant allows owners to make antial investment with the grant when otherwise might not be able to.

Perreault says projects should serve original architectural featuresgoing back to brick, taking off aluminsiding and enlarging small windows.

Salons new look is 100 years old

The maker of a living trust fa-vored some friends and familyover others in the ultimate distri-bution of her es-tate.

She also pro-vided that in theevent the residu-ary beneficiarieshad all died, thather estate wouldpass to her favor-i te wel l-recog-nized charity.

When someof the family members chal-lenged the validity of the trust,the charitys attorney joined in

Attorney JamesR. Porritt, Jr.

Contentious charitythe dispute.

They claimed that if the residuary beneficiaries who all suvived, were shown to have beeguilty of undue influence, thathey would be barred, but the truscould still be valid and the charity would take all.

The trust was relatively smaand could not afford long term litgation. The trustee settled anended up paying the charity to geout of the litigation.

In cases where a challengto a trust might be expectedmakers of trusts should thintwice about opening the door tcontentious charities.

Try not to become a man of success

but rather try to become a man of

value. ~Albert Einstein


7/10


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We help businesses, organizations, municipalities,and associations effectivelyorganize marketing and ad-vertising to find the rightbalance with all the mediachoices available today sothey can reach their perfor-mance and sales objectives.

We help build businessby putting our clients name,phone number, logo, and message into the hands oftheir customers, employees, and prospects throughclever, creative and effective logo apparel and logomerchandise.

Q marcom offers a plethora of items to meeteach clients needs and budget, including embroideredand screen printed apparel, awards and customplaques, executive and holiday gifts, coffee mugs anddrinkware, pens, food gifts and much, much more.

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Karen Ulrich owns and operates QueenslMarketing Communications of Lake Orion

We believe it is crucial for a business to have aconsistent identity and message to convey to theircustomers, employees and future customers.

We provide a strategy to optimize the effectiveuse of your advertising and marketing budget, keep-

ing a consistent corpo-rate identity and mes-sage.

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Finally!Spring has sprung, and last weekstemperatures were warm enough to enjoylunch outside at CJs Lakeside Grill onFlint Street in downtown Lake Orion.


8/10


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Free Unlimited CO-OP NetworkATM Withdrawals Rebates up to $15 per month on

Out-of-Network ATM withdrawals Access to 28,000 non-surcharge

ATMsIts easy to receive the maxi-

mum interest rate. All you need to do is: Use your MCCU Debit Card - at

least 15 Signature/Credit transactions permonth

Have monthly Automatic Deposits Receive Electronic StatementsYou cant lose with this checking ac-

count.During any given month that you do

not meet the qualifications listed abovefor the 3.00% APY interest rate, you willstill receive .05% APY on your checking

balance.Some restrictions do apply, but you

must ask yourself. What does your check-ing do for you?

For more details about Platinum

Checking or about membership withMichigan Catholic Credit Union, callDiane Leier, Lake Orion Branch Man-ager, at 248-693-3400, ext. 1500.

*APY=Annual Percentage Yield. Rates are subject to change withoutnotice. Advertised APY accurate asof 3/30/2010.

Membership eligibility required.Federally insured by NCUA

Not just another free

checking accountMCCU pays big interest on Platinum Checking

Newspaper Web sites are the singlemost-visited and most-trusted source of

online local news, according to a surveyof 3,050 adult Internet users bycomScore conducted on behalf of the

Newspaper Association of America.Overall, 57 percent of respondents

said local newspaper Web sites were theirNo. 1 destination for various kinds of lo-cal information more than all otheronline local news media combined.

The survey also revealed highrankings for the trustworthiness of ad-vertising on local newspaper Web sites.

Breaking local content and advertis-ing down into various categories, 29 per-cent said newspaper Web sites were their

primary destination for local news, 27 per-cent ranked them first for local sports,

26 percent for local entertainment, and39 percent for local classifieds.

Setting aside duplicates, this comesto well over half of those surveyed. The

proportion of respondents ranking news-paper Web sites as their primary destina-tion for local content rose to 60 percentamong college-educated respondents and63% among well-to-do households.

"The Lake Orion Review is trusted,

and has earned its credibility overcourse of 100-plus years," said SherPublications advertising manager Lewis. "The trust we have earned fthe community transfers right over tointernet."

According to Review online tring, as of March 3, over 4,300 pevisit www.LakeOrionReview.com eday. Each visit, according to the replast over 12 minutes.

Not surprising, noted publisher,

Sherman, Jr. "Much of our print congoes online, but not everything.

Online, however, there are diffeattractions. Viewers can get their update local weather, watch old movlook up local restaurant menus, discnew recipes -- even upload picturesvideos to our community galleries."

The NAA noted that newspaper Wsites beat various competitors mnotably the Web sites of local TV tions across the board in termtrustworthiness as well.

Local newspapers were chosen amost trustworthy source of local n

by 34 percent of respondents, compto 23 percent for local TV news site

They also ranked ahead of localnews sites in local sports (30%-24local entertainment (30%-20%), andcal classifieds (42%-13%). For adveing in general, 36 percent said they sidered local newspaper Web sites ttrustworthy advertising media, compto 23 percent for local TV news sites

just 12 percent for online portals in eral.

Survey says... Newspaper websitesmost-trusted source

for local online news

A Big DealAngie Dempsey of Lake Orion, left, pic-

tured with Culvers owner Joe Zimmer andMarriott Springhill Suites General Manager LizKaplan, was the winner of this months Bigdeal giveaway. As the winner, Dempsey willreceive a once-a-month one-night stay at

Marriott Springhill Suites in Auburn Hills fone year, plus a once-a-month $50 certificafor dining at Culvers for one year. The paage was valued at over $2,000. Look for giveaway entry form in the Big Dealarriviin your Ad-Vertiserevery month.


9/10


Carolyn Chevrieris president of

Lakes CommunityCredit Union.

You can avoid bank feesThe banking crisis hit you saw

it on the news, you may have experi-enced problems with it as well - someof the largest banks in the countrywere turned upside down and the gov-ernment had tocome in and bailthem out.

As a result ofthe crisis, additionalrules and regula-tions have been putinto place on all fi-nancial institutionsto try to help averta similar crisis from

occurring in the fu-ture.

A couple of ex-amples include regulations that aredesigned to scrutinize the types ofmortgage products that can be of-fered; while others are designed to

protect the customer from makingtaking on a credit card that they hon-estly cant afford.

There are new regulations bothin place and in the making regard-ing fees. How do you avoid exces-sive fees?

It can be done. The first step isto look at the paperwork you sign

when taking out that credit card, oropening a checking account. It maybe in the fine print take time to re-view it.

When are you assessed a fee onyour credit card? When the paymentis one day late? How big is the fee and are you then penalized for thenext several months with a higher in-terest rate?

At Lakes, we allow a grace pe-riod after the due date before youare assessed any fees.

And, if you find still yourself un-able to get your payment in beforethe grace period ends, we will notchange your interest rate on you.

Things happen.Many institutions offer checking

accounts that have a lot of bells andwhistles special privilege ac-counts that offer interest and

awards you can cash in on.But, often these privileges come

with a price a monthly checking fee,a low balance fee, a requirement tohave direct deposit, etc.

Take a closer look are theawards offsetting the costs of keep-ing that account? How much moneydo you have to keep in your bank toget free checking - $1,000 in sav-ings?

Or how many loans must youhold with them?

At Lakes, we offer a freechecking account to our membersthat maintain a combined balance of

$100 in their savings and checking ac-counts.

Certainly, in these times, muchmore reasonable than $1000 or more.And this has always been our rule,we didnt lower it due to the crisis.

Many of our members do qualifyfor a bonus when they have their pay-roll direct deposited to their checkingaccount a percent higher rate onCDs and percent lower rate onloans they qualify for.

This gives you more money inyour pocket at no additional cost toyou

We do charge a fee if a transac-

tion takes your account negative but beware There is a new trend ofchecking accounts being offered thatclaim you wont be charged a fee forcertain types of transactions that takeyour account negative. Which trans-actions?

Look closer at the paperwork you wont receive a fee that day, butyou could be charged if your accountstays negative a fee every day youare negative What if you are a weekaway from pay day?

Come check out Lakes wehave no secrets No surprises No gim-micks

Were interested in helping you

reach your financial goals, are fed-erally insured, and are rated as wellcapitalized by the state examiners.Anyone living, working or worship-ing in Oakland County can join.

at Lakes Community Credit Union

www.LakeOrionReview.com

www.LakesCommunityCU.org

350 N. Park Blvd. (Lapeer Rd.)

Lake Orion

248-814-4000*Restrictions apply,stop in orcall for more details.

No Gimmick VISA

FREE Checking*

100s of Surchar ge Free ATMs*

New & Used Car Loans

Free Yourself From

Excessive Fees

Be sure to check out ourarticle on page 11

4

Mark YMark YMark YMark YMark Yourourourourour

CalendarsCalendarsCalendarsCalendarsCalendars3 Great Special SectionsThat Will Be Sure To Increase Your Business

4

Call Your Ad Representative Toda

For More Details

4

4

Oxford SchoolsMay 12

Lake Orion Revew, Oxford Leader, Ad-VertiserPenny Stretcher, Clarkston News, The Citizen

248-628-4801

Flower FairMay 19

Ad-Vertiser, Clarkston News, Penny Stretcher

Graduation IssuesJune 9 - The Oxford Leader

June 9 - The Lake Orion Review

3 Great Special SectionsThat Will Be Sure To Increase Your Business


10/10


Whereyoucomefirst.

Lake Orion Branch248-370-0530

22 Southeast Michigan locations,find more at www.genisyscu.org

Give you more...*

Add money anytime

Option to withdraw penalty free

Bump up rate if rate rises

*Some restrictions apply

Documents

Lake Orion Biz, May 2010