Orion Biz Feb. 2011

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February 2011 -- Whats The Biz -- Lake Orio

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

Feb. 2011 Vol. 4 #11

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

Whats theWhats theWhats theWhats theWhats theWhats the

Orions open for businessSeveral indoor recreation facilities among manynew ventures opening up shop in thownship

Inside:Inside:

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

Orion Area Chamber of Commer

2010 Chamber Leadersh

Acting PresidentBill Kokenos

Orion Senior Center

TreasurerAlice Young, CPA

SecretaryLoretta Spatafore

uSellOnline

Directors

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]

Invoice faster

Anita Gates DelventhalPresident & CEO, A.G.

Consulting Services Inc.

By Anita Gates DelventhalEach year it seems I need to get more

done in less time so I am always lookingfor ways to auto-mate and improveprocesses in mybusiness.

First, I look tosee what I can au-tomate.

Second, I re-search productsand/or servicesavailable to helpme automate theprocess.

Third, I choose3 finalists, whichare evaluated side-by-side. In this third step

I always look at how much time, energyand money this new process will save menow and in the future.

Fourth, I choose the product and/or ser-vice that fits my business and budget.

Finally, I implement the new process andwork with it to make it as seamless andpainless as possible.

This year one of the best features addedto QuickBooks 2011 is the new Batch In-

voicing feature.Perhaps you need to invoice your cus-

tomers the same amount every month forsnow removal services, students for adance class each month, dues for your as-sociation for example.

The fastest way before was to use thememorized transactions feature inQuickBooks 2010 and earlier. Sure, it cutdown your time but it still was time con-suming. Now the Batch Invoicing featurein QuickBooks 2011 makes invoicing a snapfor these types of situations.

The new Batching Invoicing featurehelps streamline your workflow allowinginvoices that contain the same items, ser-vice and charges to be created in a batchwith a few clicks of the mouse.

In QuickBooks 2011 access this new tool

in the Customers menu > Create Batch In-voices.

First, select the customers you want toinclude in a single batch process and select(or create) a Billing Group.

Second, enter the items to be includedin the invoice.

Third, create all the invoices at one time.Now all you have to do is print or emailthem.

Tip: To automate your invoicing pro-cess effectively, make sure you have allyour customers correct email addresses intheir customer record. Then have the Pre-ferred Send Method - Email selected in theirrecord.

For businesses who provide services ona recurring basis this is truly a time, energyand money saver.

If you haven't upgraded to QuickBooks2011 yet, the new batch invoicing alone isworth the minimal cost of the software.

Anita Delventhal is President & CEOof A.G. Consulting Services Inc. She is agraduate of Oakland University, an Ac-countant, Enrolled Agent with IRS, Accred-ited Tax Advisor, Accredited Tax Preparer,Five Star Wealth Manager and a CertifiedQuickBooks ProAdvisor ,with 25+ years

of experience in the small and medium sizedbusiness arena. Anita is an expert in theareas of accounting, taxation and business planning. For more information visit hercompany's website @www.agconsultingservices.com, Call 248-393-0403 or Email her [email protected].

with Batch Invoicing in QuickBooks 2011

BITS AND PIECESLake Orion Area Optimist ClubNext meeting is Thursday, Jan. 20,4:30 p.m. at Gs PizzeriaCharter Banquet, Friday, Jan. 21 from7-11 p.m. at Kings Court CastleFor more information contact Katherine

Baumann at 248-505-30671,000 Conversations About MentalHealth in Lake OrionNext meeting is Thursday, Feb. 3 from6:30 to 8 p.m. in the Kiva at LakeOrion High School1000 Conversations is planning an ex-citing event Lake Orions Got Talentto be held on Saturday, March 19 atthe Lake Orion High School auditorium.For information about how you canenter to showcase your talent contactKaren Hudson at 248-391-1352.Growing Green Earth Day ExpoPlanning is underway for the Grow-ing Green Earth Day Expo. This sec-ond year will be even bigger and bet-ter than the first. Mark your calendar,information and vendor applicationswill be mailed out this month. The Expowill be held on Saturday, April 9 from

10 am to 5 p.m. at the Kings CourtCastle in Canterbury Village on Joslyn

Road. If you have any questions or

are interested in participating as a ven-

dor please contact Jennifer Vezina at

[email protected].

248-393-0403www.agconsultingservices.com

Email: [email protected]

Answers with Guidance while Committedto providing winning Solutions

1. Write down all your questions and problems2. Schedule your appointment at:

a.http://ag-consulting-services.genbook.com ORb.www.agconsultingservices.com/quickbooks

click on the booknow button

3. Email confirmation is sent to you

4. A GoToMeeting link will be sent for yourappointment time

5. During your appointment get yourquestions and problems fixed

Its that simple.

Save Time, Energy and Money by schedulingtime you need to get your QuickBooks

questions answered. Heres how it works:

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A message from OACC President Bill Kokeno

Briefly

Bill Kokenos,OACC Acting

President

Supporting the businesses that support your community Supporting the businesses that support your community Supporting the businesses that support your community

By Bill KokenosI want to start out by wishing every-

one Happy New Year. Last year was a verybusy year at the Chamber with the hiringof Alaina Campbell as our Executive Di-rector.

Alaina has beenable to pick up rightwhere DonnaHeyniger left off. OurCommunity Expo lastMay was a huge suc-cess and this year'sExpo could be even

bigger. The ChiliChallenge Committeedid an outstanding joband it was a hit atBarn Days.

Our networking Group that meets ontwo Wednesdays of the month has reallytaken off and keeps getting bigger and big-ger.

Finally our 60th Anniversary Celebra-tion was a great evening of old and newstories, seeing old friends and most of allseeing why our Chamber has stayed to-gether for 60 years.

It is the people who are involved thatmake this Chamber special. I want to thank

the past Presidents, former Board Mem-bers and members who attended.

In 2010 we saw thetownship get a big boost withthe decision by General Mo-tors to produce two differ-ent cars at the Orion Plant.

Orion Township has anew Senior Community Cen-ter, and Amphitheater underconstruction and the Villageof Lake Orion broke groundfor improvements toChildren's Park and a new downtown

streetscape. We are seeing businesses ex-pand and new businesses moving in.

All of this makes the Orion area a greatplace to live and work.

I would like to thank Rosemary Rangiand Theresa Fiorani whose terms haveended on the Board.

Both of these individuals were very in-strumental in many of the things that weredone by the Chamber.

Their diligence and hard work over thepast three years have been a welcome as-set to the Chamber. Thank you Rosemaryand Theresa.

Now as we look ahead to 2011 we havemany exciting events on the horizon.

JANUARYNetworking GroupWednesday, Jan. 19 at the Chamberoffice, 1520 S. Lapeer Road, Suite112 (across from Golling BuickGMC) 7:30 to 8:30 a.m. hosted by1,000 Conversations About MentalHealth in Lake Orion

FEBRUARYChamber LuncheonThursday, Feb. 3, 11:30 a.m. to 1p.m. at Christi's Bar and GrillRon DeLorme from Manage MaxPerformance Improvement will beour speaker.

MARCHChamber LuncheonThursday, March 3, 11:30 a.m. to 1p.m. at Kruse and MuerLake Orion Village Manager PaulZelenak will present a State of theVillage address.

APRILChamber LuncheonThursday, April 14, 11:30 a.m. to 1p.m. at King's Court Castle in Can-

terbury VillageKathleen Klein from Waste Manage-ment will speak. Afterwards, attend-ees can take a tour of the WasteManagement facilities via buses thatwill be provided.

MAYCommunity ExpoTuesday, May 10, 4-8 p.m.Lake Orion High School Field HouseFor information about exhibiting orparticipating in a "Taste of Orion"please call the Chamber office at 248-693-6300.

We have our Community Expo aon May 10 at the High School.

We are looking to parwith the DDA on two exing projects.

The first will be an ethat will be combined wthe fireworks and right we are calling it Food, and Fireworks.

Another project withDDA is organizing an allcan eat pancake breakfas

the Sunday of Dragon on the Lake.

We are also getting close to a propfor the possibility of merging with the ford Chamber of Commerce.

We are unveiling a new LunchSponsorship program.

Information will be distributed throthe Monthly Motivator and on our web

We are also looking for members ware interested in serving on one of many committees.

The Chamber is only as successfuits members, so if you would like to hout contact Alaina or JoAnne in the of

I hope that all of you have a gmonth and hope to see you at a lunchnetworking meeting or just around Or

New year's resolutions - we all makethem or even if we don't officially makethem we think aboutthings we would liketo change or ac-complish.

The Chamber willbe starting the newyear with someresolutions as well.We will begin byseating two newboard members,Ron DeLorme fromManage Max Per-

formance Improve-ment and Paul Zelenak, Lake Orion VillageManager.

We are excited about the new ideas andenergy that both of these individuals willbring to the Chamber's Board.

We will also elect new officers and es-tablish new working committees.

Alaina Campbell,OACC Executive

Director

New year brings new energyThere are several new programs on thehorizon for 2011 that will help increasebusiness in the community and activitiesthat will be fun for residents. Theeconomy is picking up in the area.

At the Chamber we've seen an increasein new businesses moving in and the ex-pansion of existing businesses.

These are definitely good signs for ourentire community.

Here in the Orion area we are fortunateto have many businesses that give backthrough donations of their time, talent andmoney.

And even though many of our local busi-

ness have seen some rough times in thepast couple of years, they have still comethrough for the community in many ways(please see the sidebar for our specialthanks to the Chamber's 2010 sponsors).

We look forward to serving the com-munity in 2011 by supporting the busi-nesses that support your community.

Check out Orion Area Chamber of Commerce on Facebook

Community ExpoGenisys Credit UnionCrittenton Medical Equi p.m.entATandT Prime WirelessAllstate Agent Richard SpanoLakes Community Credit UnionLake Orion Nursing and Rehabilitation CenteMathnasiumPlanet Kids Children's CenterWaste Management

Chili ChallengeGenisys Credit Union

60th Anniversary CelebrationPalace Chrysler/Dodge/Jeep/RamGolling Buick GMC

Thank You to Our 2010Event Sponsors

Mark your calendar forupcoming OACC events

Welcometo the Chamber

fLipSpot Gymnastics and CheerCenterPre-Paid Legal ServicesPhysiotherapy AssociatesWaldon Park Piano Studio

Orion Area Chamber of Commerce

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Kelly Counseling If weeds showed up in ygarden, would you move

Muscular strength or flexibility

By Matt Glenn, DPT, MATcsFor years it has been taught to us in

gym class, by a coachor by a personal trainer,that the key to prevent-ing injury is stretchingour muscles to increaseflexibility.

Even though flexibil-ity is important, we atPhysiotherapy Associ-ates take a different ap-proach to the humanbody. It is ours and manyothers belief that mus-cular strength should

trump the importance offlexibility.

It is important forevery muscle in yourbody to be functioningat its full potential in order to performdaily tasks and sports. Injuries occurwhen a muscle decides to either notwork or shut down (muscular weak-ness). So just because you can bend

Which should be your priority?

With the approach of Valentine's Day

we tend to be a little more thoughtful thanusual where ourspouse isconcernedrightguys?

With all theemphasis weplace on sponta-neity these dayswe tend to for-get that being de-liberate can en-hance romancealso.

I often re-mind couples ofthis in marriage

counseling. This reminder is usually in re-sponse to the common complaint that thefeelings are gone.

Often men and women marry assum-ing marriage will chug along on its ownsteam.

There is an underlying expectation thatthe initial attraction and excitement theyfirst enjoyed will carry them through lifetogether.

George and Tamara Kelly, counselors

over and touch your toes does not mthat your muscles can control this mo

ment without injuryFor example,

see gymnastic cliwho have a lot of fibility, as you woguess, however thave a lot of muscweakness.

We evaluate tmuscular control treat them with specized anatomy basedercise for the musthat they can't con

well.Muscular weak

can lead to pain, pperformance in spotiredness, and tight

in your body.We encourage you and your fam

to call Physiotherapy AssociateLake Orion for a free Muscular Evation at 248-814-0500.

Matt Glenn, DPT, MATcs

This just doesn't line up with realit

weeds showed up in your lawn or garwould you mThis is

likely unlesshave amazinsources and lresolve. Instyou cultivate garden.

The sametentionalitynecessary inder for marrto flourish. Fings followchoices, comments, and

vestments you make. Your love for other can be rejuvenated and even gdeeper.

We can help you identify what hasten in the way of intimacy and the joyshould accompany such a wonderfulas marriage.

Contact George and Tamara Kcounselors, at 248-651-0900 or vwww.kellycounselors.com

PhysiotherapyAssociates

1375 S. Lapeer Rd.,Suite 209

Lake Orion

248-814-0500Located in the

Bald Mountain MedicalComplex

We Specialize In: Orthopedic Manual Physical Therapy

Sports Medicine

Spinal Care

Pre/Post Operative Rehabilitation

TMJ

Muscle Activation Techniques (MAT) Research and Education

We accept most major

insurances along with afee for service plan

Treating the body as

a whole is why we

get the best results!

Does Pain Dictate How

You Live Your Life? It Doesnt

Have To Be That Way.

FREEMUSCULOSKELETAL

CONSULTATIONPlease Call Us To Schedule Your

Free Consultation

$165

Value

GEORGE & TAMARA KELLY-COUNSELORS - 248.651.0900

WWW.KELLYCOUNSELORS.COM

SEE HOW GOD CAN

TURN YOUR LIFE AROUND.

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By C.J. CarnacchioSpecial to The Lake Orion Review

Traditionally, the nexus of the landlord-

tenant relationship has been one thing andone thing only the rent.

Beyond that monthly check, the twodidnt get involved in each others finan-cial matters. They didnt need to. Theydidnt want to.

"It's always been this is your business;this is my building. Im the landlord; yourethe tenant. Good luck, said ChuckSchneider, a local real estate developer whoowns numerous commercial properties inOxford and Lake Orion.

But given these difficult economictimes, Schneider, who serves on OxfordsDDA board, came to the realization thatthis age-old relationship must change andevolve if landlords wish to lease the glut

of empty buildings on the market right nowand entrepreneurs wish to start new busi-

nesses or expand existing ones.In his view, landlords must now fulfill

the role banks once played by providing

the capital entrepreneurs need. By doingso, landlords will fill their empty buildingsand over time, see their rents increase.

Schneiders new model isnt just talk.He put his money where his mouth is bypartnering with Donna Walker, a tenant ofhis who owns Head to Toes Total BodyWorks in Oxford, to open the Spa on theLake, located at 302 S. Broadway St. inLake Orion. The new business openedDec. 7.

Ive been at this 30 years. Ive had asmany as 150 tenants. Ive never done thisbefore, he noted.

Originally, the two-story building ownedby Schneider was Schendens Spa, but thedoctor who owned it decided to close it,

concentrate on the medical side of the busi-ness and centralize his operations in Troy.

Rather than be left with an empty build-ing decorated by a for-lease sign, Schneiderdecided to be proactive and purchase all

the assets.I bought the place lock, stock and bar-

rel, he said. Here we have a clientele.We have a staff. We have a furnishedbuilding. Are we going to cast these 16(employees) adrift, or do we try and keepthis place going?

The alternative was he goes away, Iput a for-lease sign up and we end up withwho knows what. It just seemed a lot moreintelligent to keep that business that hadbeen a good business for 10 years. Thisjust seemed like the logical experience ofowning and operating a successful spa.She worked there for two years prior toowning it.

The plan is ultimately, shes going to

buy out my assets, Schneider said. Imjust doing this as sort of a stopgap.

Schneider explained that most banksthese days arent lending money for smallbusinesses despite their advertised claims.

The billions of dollars (the federal gov-ernment) gave the banks never filtereddown to the consumer, he said. Thebanks used it to buy other banks; theydidnt use it to make loans more afford-able for people. Theyre not opening up

Rent-to-own business?Schneider says landlords must act as banktheir credit, theyre restricting their cre

Without capital, entrepreneurs looto start a new business or expand an

isting one cant afford to do it.Oakland County has various trai

programs how to write a business and how to decorate your windows. Thare great, but weve got to get the pein business first, he said. Thats wwere falling down. The finance piecthat process doesnt exist. Without finance piece, the business doesnt ex

Most people dont have the worcapital. They need the money for thouse payment, their car payment, tkids education and groceries, Schneexplained. They dont have the resouto say Im going to take X amoundollars and plunk it here and by the wwant to have six months savings to

the meter while this business is gettinthe ground.

This is where landlords must steand follow Schneiders model of becing a partner or investor in their tenabusiness venture, as hes done wWalker.

Im the bank. Im basically finanthe purchase of the business, he said.

Landlord ChuckSchneider (right)

bought all the assetsso tenant Donna

Walker could openthe Spa on the Lake

in Lake Orion.Eventually, she willbuy him out. Photoby C.J. Carnacchio.

Continued on pa

Located on Lapeer Road & Dutton (1/2 Mile N of the Palace) 248-276-222

Of Lake Orion

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substitutions. Not valid with any other offer. Limit one

coupon per person per visit. Valid only at Lake Orion

Culvers. Expires 2/2/11.regular menu price

$1 OffAny Mediumor Large

Shake or Malt

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Associated Foot ClinicJeffrey C. Noroyan, D.P.M. Tim Snyder, D.P.M.

Gloria Christian, D.P.M.Physicians and Surgeons of the Foot

191 North Park Blvd Lake Orion

248-693-8400Diplomate, American Board of Podiatric Surgery

2375 Stanton Road Lake Orion248-693-4695

www.paintcreekgolf.com

EYE HEALTH PROFESSIONALS& FASHION OPTICALModern Eye Care, Old Fashioned Caring

81 Indianwood Road., Ste 1Lake Orion, MI 48362

248-693-2321 Fax: 248-693-2703Email: [email protected]

Robert E. Deck III, O.D.Doctor of Optometry

ENVIRONMENTALWOOD SOLUTIONS

Call For Rates 248-391-94463500 Giddings Rd. (N of Silverbell)

Hours: Mon-Fri. 8-5 Sat. 8-1

www.ewsmullins.com

RECYCLING: Stumps / Brush / Logs

Tree Debris / Yard Waste Pallets / Crates

Wood Construction Debris

Screened Topsoil Planting MixHardwood Mulch Colored Mulch

Aggregate Materials - Sand & Stone

This space

only$3900

Call For Details

ACCOUNTING, TAX &

BOOKKEEPINGAbacus AccountingServices248-693-0003

Alice P. Young, CPA248-693-3152

B2B CFO248-814-0666

Gorank & Mattina248-601-9500 x12

H & R Block248-625-7940

Were Your Ofce248-672-5798

ADVERTISING

Coee News o LO248-391-6730

Ganett Directories800-338-5970

ATTORNEY & LEGALSERVICES

Beier Howlett, PC2483831079

James R. Porritt, Jr.248-693-6245

Mark E. Crane, PLLC248-909-0956

The Wol Law Firm248-693-6245

AUTO MFG & SALESGolling Buick GMC248-693-5900

Leonard Enterprise248-391-1822

Palace ChryslerJeep248-393-2222

Skalnek Ford248-683-6241

Wally Edgar Chevrolet248-391-9900

AUTO SERVICES

Lake Orion TruckAccessories248-814-2277

Lombardos TowingService248-230-0350

Midwest WreckerServices248-238-6866

Muer ManLO248-814-9292

Vette Products248-693-1907

BANKS, CREDITUNIONS, MORTGAGES

5/3 Bank248-276-7300

Chie Financial CreditUnion248-391-1950

Comerica Bank248-693-7841

Genisys Credit Union248-370-0530

Lakes Comm. CU248-814-4000

Oxord Bank248-693-6261

PNC Bank248-693-8351

TCF Bank248-693-6229

BEAUTY, HAIR &

SPASLaVida Massage248-693-0820

Salon U248-693-8768

Schenden Spas248-693-2999

BEVERAGE DISTRIB.

Powers Distributing248-393-3700

BUSINESS &CONSULTING

First Data MerchantServices248-935-3310

Manage MaxPerormanceImprovement248-396-5031

MasterMind Solutions248-394-3000

NBS Solutions248-693-0494

Phillips Consulting248-276-8606

QueenslandMarketing248-370-9111

Stephen Auger &Assoc., Architects248-814-9160

Write Side o Business,LLC248-834-0700

CHIROPRACTIC

Dolecki Chiropratic248-391-1040

Gregg Chiropractic248-391-1600

CHURCHES &RELIGIOUS

Divine Grace LutheranChurch & School248-391-1131

Unity Church o LO248-391-9211

Woodside Bible248-687-7115

CIVIC & NON-PROFITS

1000 ConversationsAbout Mental Healthin Lake Orion248-505-6526

Kiwanis Club oOxord/Orion248-628-2533 x245

LO Education Found.248-821-4592

Lake Orion Lions Club248-975-6378

Lake Orion OptimistsClub248-623-7900

Love, Inc.248-693-4357

North OaklandCommunity Coalition248-520-3786

Orion HistoricalSociety

248-693-4154

Orion TownshipPublic Library248-693-3000

x305

Orion NeighborhoodTV248-693-3377

Provide, Inc.248-475-4808

COMPUTER & TECH

Lodden Services248-724-1400

Secure Solutions248-872-8426

COMMUNICATIONS

AT&T/Prime Wireless248-236-9000

Verizon Wireless248-393-6800

CONSTRUCTION &REMODELING

AllPro Restoration248-693-3200

Alter Eco248-535-7787

Davis HomeImprovement248-391-6644

Dunrite Roong &Siding248-393-5000

EverydryWaterproong586-698-3030

J.L.O. HomeImprovement248-693-8481

Kemp Building &Development248-583-9030

Tamis MarineConstruction586-749-5741

DANCE

L. A. Dance248-393-1339

DENTAL &ORTHODONTICS

Deborah DeHaan, DDS248-391-4477

James Komendera,DDS248-693-2194

Joe Mastromatteo,DDS248-693-1331

John Blake, DDS248-693-5800

LO Family Dentistry248-693-6213

Rocco Ciccone, DDS248-693-8366

EDUCATION &CHILD CARE

A+ Nannies

248-834-0808

Divine Grace LuthElementary Schoo248-391-1131

Good ShepherdLutheran SchoolAcademy o Fine A& Sciences248-391-7244

Kids Corner, LLC248-814-9096

Kingsbury School248-628-2571

LO Community Sch248-693-5414

LO Community DrSchool

248-693-7600

Mathnasium248-391-2800

Pee Wee Patch248-814-1010

Planet Kid ChildreCenter248-620-9032

Schollegiate ColleAdvisor248-889-5807

Stars & Stripes KidActivity Center248-625-3547

The Goddard Scho248-628-6268

The LearningExperience oClarkston248-625-5285

ELECTRICAL

Tuson Electric Inc.248-814-7228

EMBROIDERY

Custom Threads &Sports248-391-0088

ENVIRONMENTAL

Environmental W

Solutions248-391-9446

Waste Manageme800-796-9696

EQUIPMENT RENT

JSPO LLC248-640-8396

Orion Area Chamber of Commerce

Our Members

LAKE ORION

WINDOW TREATMENTS

47 S. Broadway Lake Orion

248-693-0124 Fax 248-693-0031

Custom Draperies Blinds Carpet

Upholstery Hospital Bed Curtains

Commercial Residential

Prepare Business & Personal Tax Returns

Assist New Business in Federal & State Registration

Payroll Processing Bank Reconciliation

Financial Statements Periodic Tax Planning

Personalized & Confidential Service

accounting services, inc.

399 S. Broadway Lake Orion 248-693-0003

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FULL SERVICE AUTO REPAIR

Brake Service

Tune-ups

Air Conditioning

591 South Lapeer Road Lake Orion

248-693-1488

BRAKES

Lifetime GuaranteedExpires 2-28-11

MaintenanceCheckup

Most VehiclesExpires 2-28-11

Pads or shoes

Most VehiclesChange Oil & Filter,

Rotate Tires, Check Brakes

$2995 $8995Per Axle

WE DO THAT

Lake

Orion

Valley Tent Rental810-459-7368

FUNERAL HOMESModetz Funeral Home248-371-3777

Sparks-Grifn FuneralHome248-693-8336

GOLF & BANQUETS

Boulder Pointe248-969-1500

Myth Gol Course248-693-7170

Oxord Hills Gol &Country Club248-628-2518

Paint Creek Country

Club248-693-4695

GRAPHICS, WEB,PRINTING & SIGNS

Balanced Interactive248-814-7473

Canoe Circle Graphics248-391-9916

GrassrootsTechnologies248-854-7625

Martys Insty Prints248-340-7510

M&B Graphics Inc.248-690-7527

The Marketing Shop248-330-8787

HEALTH & WELLNESS

ArthemizRevitalization Center248-783-1030

Basketball America248-693-5858

Curves o Orion248-393-3119

Great Lakes AthleticClub248-393-3085

Powerhouse Gym248 693-0300

HOTELS & PROPERTYRENTALS

Heritage Place Apts.248-693-9197

Indian LakeApartment Village248-391-3040

J & L Rustic Cabins248-628-6087

SpringHill Suites by

Marriott248-475-4700

Waldon Lakes Apts.248-391-5500

INDIVIDUALS

Bill Kokenos248-802-5521

Bill Peterson248-535-7787

INDUSTRIAL

Guinn IndustrialCenter248-693-4432

Kay Automotive

Graphic248-377-4999

INSURANCE

AAA Michigan248-393-7702 x224

Allstate-Spano Agency248-391-3272

Americas BusinessBenet248-906-0342

Backus Payne & Assoc.248-608-9520

Downey King-Phipps248-628-2565

State Farm-Bill

Kirchner Agency248-693-2464

Various InsurancePlanning248-393-3146

Western Southern Lie586-228-0230 x138

INVESTMENTS &FINANCIAL PLANNING

Ameriprise FinancialServices248-865-2517

Financial BenetsGroup248-371-0300

Michigan FinancialCompanies248-933-0568

Stelman & Associates,LLC248-693-3430

LANDSCAPING

Orion Stone Depot248-391-2490

LOCAL GOVERNMENT

52-3 District Court248-853-5553

Charter Twp. o Orion248-391-0304 x101

Mike Gingell,County Commissioner248-728-7133

Village o Lake Orion248-693-8391

MEDICAL SERVICES

Assoc. Foot Clinic248-693-8400

Bald MountainMedical Pharmacy248-814-9814

Beaumont Hospital248-964-1807

Crittenton HospitalMedical Center248-652-5000

Crittenton MedicalEquipment248-693-5384

Guest House248-391-4445

James Bauer, MD248-693-4271

Lake Orion Nursing& Rehab

248-693-0505Orion FamilyPhysicians248-693-3551

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

POH Medical Center248-338-5000

Pro. Hearing Clinic248-693-2600

Treeside PsychologicalClinic248-693-9614 x61

Waldon FamilyMedicine248-391-9090

MOVING & STORAGE

1-800-Pack Rat248-276-2358

Lake Orion SelStorage248-814-8040

National StorageCenter South248-391-1470

National StorageCenter North248-393-1307

Premier Sel Storage248-276-9200

NEWSPAPERS &MEDIA

Lake Orion Review248-693-8331

Stickradt Media Group248-884-1051

The Oakland Press248-745-4526

PHYSICAL THERAPY

HealthQuest PhysicalTherapy248-393-7707

PLUMBING & HVAC

Comort King

248-909-1484LO Plumbing &Heating248-693-4775

Oxord OrionPlumbing Heatingand Cooling Inc.248-969-8100

Turner Sanitation248-693-0998

REAL ESTATE

Coldwell BankerShooltz Realty248-628-4711

Michigan GlobalSolutions248-343-2215

RESTAURANTS

Bualo Wild Wings248-814-8600

Caseys Chicken248-391-1000

Christis Bar & Grill248-693-6224

CJs Lakeside Grill &Sandbar248-693-8704

Culvers-Lake Orion248-276-2222

Gs Pizzeria393-0000

Hamlin Pub248-814-8109

Hole in One Bagel248-391-6771

Italia Gardens248-628-4112

Jets Pizza248-814-7559

Kruse & Muer on theLake248) 814-9500

Oscars Bar & Grill248-393-8600

Palazzo di Bocce248-371-9987

Pizzarifc248-393-3600

Tubbys Sub Shoppe

248-693-4600Valentinos248-814-1100

RETAIL & CONSUMERSERVICES

Costco Wholesale248-648-0020

Great Lakes Crossing248-454-5010

K-mart248-693-6252

LO WindowTreatments248-693-0124

My Pic Photography248-217-0559

Sweet Lane FudgeFactory248-393-3340

Three Dog Books248-430-4580

Twice-Blessed248-693-3800

The UPS Store248-814-7781

uSellonline Ebay Spec.248-421-1839

Vacuum Works248-393-9950

SENIOR SERVICES

Alliance Senior Care248-274-2170

American HouseVillage248-853-6000

Hope Senior Apts.248-628-7676

Independence Village-Waterstone248-236-8300

Legacy o America248-377-9569

Orion Senior Center248-693-2066

Seniors HelpingSeniors248-969-4000

Visiting Angels248-693-6567

SHIPPING &TRANSPORTATION

Superior LogisticsSolutions866-757-1780

VISION CARE

Eye HealthProessionals248-693-2321

For more information about the

Orion Area Chamber of Commerce,

visit www.lakeorionchamber.com

BusinessOwners

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pays a start-up rent to get her rolling.Over time, Schneider said the rent

structure will change and Walker will pur-chase all the assets from him, thus be-coming the sole owner of the business.

Gone are the days when landlords couldsimply buy a building and wait for some-one to lease it.

Schneider said landlords have to bemore proactive and willing to take a gambleon new businesses with their own money.

You have to look at the individual andsay, Im betting that you have the skillset to do this, he said. Those are peopleyou work with to be successful.

Conversely, landlords have to look atpeople who arent qualified, who have noexperience or know-how, no business planor background, and say Im not taking a

chance on you, Schneider explained. Youhave to be a good judge of people and whatyou think their capabilities are and whattheir skills are.

Basically, landlords must now fill therole abdicated by banks to help get theeconomy moving again.

We are a credit economy like it ornot. And when credit goes, this economy

goes because thats the way its been cre-ated, Schneider said. When the credittightens up, its like putting the brakes onthe train. It just comes to a stop.

The benefits to landlords and the com-munities in which they own properties are occupied buildings and higher rents.

Once the buildings are full, then rentscan rise. But rents will never rise whenyou have empty buildings, Schneider said.You have to fill everything up, then cre-ate demand for the community. Prices willnever rise when you have vacancies andno line of people saying, Hey, I want togo to Oxford.

Schneider noted that Rochester filled38 stores in one year because the townsDDA was very aggressive about goingout and recruiting new businesses.

Rochester filled 38 stores in one yearbecause its DDA was very aggressiveabout going out and recruiting businesses.

They had property tours and did a lot

to make the town desirable to people,Schneider said. Thirty-eight stores in oneyear is a lot. Theyve turned the cornerthere.

As for Oxford, were not there yet."We still need to do a lot of work to

attract people to the community, he said.For-lease signs dont say successful andvibrant, they say just the opposite.

Rent-to-ownContinued from page 5

Loran S. Coffman, CPhD, RFC

WPS-Investments Inc.Stone Pine Complex

189 W. Clarkston Rd.

Lake Orion, MI 48362

248-693-5599www.WPSinvestments.com

By Loran S. Coffman CPhD, RFC

ou may think of life insurance in verysimple terms: you buy a policy so thatyour loved ones will have some finan-cial assistance when you die.

But if you have assets of $1 millionor more, you should view life insuranceas a tool - kind of a Swiss army knife, infact. Life insurance has many potential

uses in estateplanning, and alife insurancetrust can cer-tainly help afamily.

What doesa life insurancetrust do? It en-

ables you andyour family todo three thingsin particular.

One, it pro-vides you, your

spouse and your heirs with life insur-ance coverage after it is implemented.

Two, it allows a trustee to distributedeath benefits from a life insurancepolicy as that trustee sees fit.

Three, it gives you the chance to re-duce your estate taxes.

When you create a life insurancetrust, you are creating an entity (the trust)to buy life insurance policies for you andyour loved ones.

You don't own the policies, the trustdoes. So the insurance proceeds go intothe trust when someone passes away.

Because the trust owns the insur-ance policies instead of a person, the in-surance proceeds aren't subject to pro-bate, income taxes or estate taxes.

The trustee can distribute those pro-ceeds to one or more parties as stipu-lated in the language of the trust.

Also, if your estate ends up reallylarge, the trust can buy additional lifeinsurance to provide additional cash topay additional estate taxes.

Sometimes these trusts establish in-vestment policies for life insurance pro-ceeds, and even timelines for who re-ceives what when (families may wantto delay an heir from legally receivingan inheritance until age 18 or 21, for ex-ample). Why not just have someone elseown my insurance policy?

That scenario can lead to major fi-nancial and familial headaches. If thatperson dies before you die, the cashvalue of the policy will be included intheir taxable estate.

So the heirs (and relatives) of

person will have higher estate taxepay as a result. Also, if you do this,surrender control of your policy;loved one you trust could end up ning another beneficiary or even cashyour policy out.

A decision for life. Almost all lifsurance trusts are irrevocable truThat is, they are legally "set in stoonce created, unlike a revocable twhich can be amended or revoked acreation.

You can make these trusts recable, but if you do, you lose thebenefit: the insurance proceeds wilincluded in your taxable estate whendie, which could increase the estate

bill for your heirs.However, some irrevocable lifesurance trusts purchase survivorshipinsurance in a profit sharing plan to mit the ability to change beneficiari

If you'd like to know more ablife insurance trusts or the potentiallynificant changes in estate taxes overnext few years, talk to a qualified lefinancial or insurance professionalday.

Loran S. Coffman is a Represetive with H. Beck, Inc. and mayreached on the web www.WPSinvestments.com, by ph(248) 693-5599, or by [email protected].

See "The Science of FinanHealth, Coffman's exclusive weeklnancial column on the web evWednesday www.LakeOrionReview.com.

These views are those of the auand should not be construed as invment, tax or legal advice.

Past performance is no guaraof future results. All information islieved to be from reliable sources; hever we make no representation as tcompleteness or accuracy.

Please consult your Investment,and/or Legal Advisor for further inmation and advice about applicatioyour specific circumstances. Researand authored by Loran S. CoffmaPeter Montoya, Incorporated.

Securities offered through H. BInc. Member FINRA, SIPC. Investmadvisory services offered throM.R.Spencer Advisory Services, LWPS-Investments, Inc. is unaffiliawith H. Beck, Inc. Branch addresWPS is 189 W. Clarkston Rd., BldgLake Orion, MI 48362

The value of life insurance trustAn estate planning option more families ought to know abo

Loran S. CoffmanWPS Investments

8/7/2019 Orion Biz Feb. 2011

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Here we are starting another new year.How fast the years pass. We have beenopened here for six months now. Wewant to thank all of you that have visitedus, for the friendly welcome you havegiven us.

We are very happy with our locationon Baldwin Road. We have met manywonderful new friends since we openedhere last year.

Gold and Silver are still at historicalhighs. Now is a great time to gather upany broken or unwanted gold, sterling sil-ver, or platinum jewelry and bring it infor the best price around.

And don't forget that we buy a lot of

silver. Coins, flatware, tea sets, etc. If itis sterling, we will buy it.

We are paying higher right now thanever before.

We know that you have other choiceswhen you are ready to sell your gold orsilver.

Why should you come to Gold City?Because we pay more and we will treatyou with the respect and the dignity that

We will pay you more and

we will treat you better!

Gold City

Mark and Sherrie own Gold City L

you deserve. Because of this, we hmany repeat customers and many rerals from satisfied customers.

Come see us today at our cleancure, and comfortable location on BaldRoad across from the Great Lakes lets. We are a family owned businWe will pay you more and we will tyou better!

By Laura ColvinLake Orion Review editor

What do batteries, burgers and a50,000-square-foot BMX park have incommon?

All are examples of the goods and ser-vices produced atnew Orion Town-ship businesses.

According totownship supervi-sor Matthew Gibb,some 600-700 newjobs are coming totown in the months

ahead as dozens ofbusinesses locateor relocate inOrion.

Several new in-door recreationalfacilities includinga gymnastics and cheer organization, aBMX park and a volleyball training cen-ter are all among more than 50 new ven-tures calling Orion home, and a numberof industrial businesses are also comingin, or at least taking a serious look atwhat the community has to offer.

So whats behind the new growth?Gibb said he attributes it to a number ofthings.

First, property values are bottomingout and beginning to stabilize, thus mak-ing new ventures more affordable andless risky.

Second, the township recently sweptoff the porch and laid out a brand-newwelcome mat.

Weve changed the impression peopleget from Orion, Gibb said. We used tobe very difficult to work with, but wevedeveloped a reputation for being a morewelcoming community, and thats a hugeaccomplishment.

In years gone by, he explained, thetownship was known for requiring pro-spective business owners, developers andothers to jump through a long string ofadministrative hoops.

Most found it difficult and costly to set up shop in Orion.

Word got around, and eventually, mostpeople looking to establish or grow a busi-ness didnt even bother to stop and havea look around.

We said no a lot, said Gibb, whoserved as township trustee before he waselected supervisor in 2008.

In 2009, Gibb rallied the troops andgenerated support for a significant over-haul of the townships Master Plan.

The result, he said, is a business-friendly municipality.

S o m e t i m e sits good to say no some types ofbusinesses youdont want in yourcommunity andsometimes its notgood to say no somuch, he said.But weve undonethat reputation.

These days, thetownship offersprospective busi-nesses incentiveslike expedited PUD

(planned unit development) plans, broad,pre-planned industrial development dis-tricts, tax incentives and pre-applicationmeetings that encourage entrepreneurs toinformally approach the planning com-mission or board of trustees for feedback.

They dont have to spend $10,000to come in and get an answer, Gibb said.Theyre not getting held up for six or12 months.

And zoning changes now allow busi-

nesses to settle where they once couldnot.

For example, after fLipSpot Gymnas-tics and Cheer applied for and were grantedspecial land use by the township planningcommission, they got to work outfitting thebuilding to become what they call the pre-miere gymnastics and cheer facility in thearea. Located at 233 Kay Industrial Drive,near Lapeer and Silverbell, the otherwiseunused industrial building has exactly whatthey need: High ceilings and ample floorspace. Theyre planning grand-openingevents for the last two weekends in Janu-ary.

Other recreational facilities are movinginto Orion, as well. Oakland Elite Volley-

ball, already up and running at 143Northpointe Drive, caters to young athleteswho are serious about achieving their vol-leyball goals.

Vert Village is a 50,000 square-foot ware-house at 4662 Joslyn Road. The facility,said owner and veteran BMXer Marc Mi-lam, was designed specifically for BMX rid-ers.

Orions open for businessSeveral indoor recreation facilities among many

new ventures opening up shop in thownship

Orion Township Supervisor Matthew Gibbgave a State of the Township address atthe Chambers Jan. 13 luncheon. Photoby Gabriel Ouzounian

Continued on page 10

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

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

James R. Porritt, Jr.

248-693-6245

Serving Orion and Oxford AreasSince 1973

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SIMPLE WILLS Self directed disposition of assets

Your choice of administrator

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Quickie short salesBy James R. Porritt, Jr.

The programs developed for relief toborrowers under Fannie Mae mortgages

include Modifications under HAMP(Home AffordableModification Pro-gram).

If a borrower goesthrough the HAMPprocess and is turneddown for a modifica-tion, the borrowerthen becomes eligiblefor an expeditedShort Sale or Deed inLieu of Foreclosure

alternative under HAFA. The borroweris provided pre-approved short sale termsprior to listing the property for sale.These terms, if satisfied, will allow theborrower to be discharged from the defi-

ciency on the debt (of the 1st mortgage).If the short sale does not work, the

borrower will be eligible for a Deed inLieu of Foreclosure.

Again, if the borrower surrenders theproperty under the Deed in Lieu of Fore-closure, the deficiency is forgiven.

These programs are available, how-ever, only if the borrower first applies forand is denied a loan modification.

The closest park like it is in Cleveland,

Ohio, he said, noting some nearby skateparks allow bikes in, but only during sethours. And theyre not designed for bikes.

Milam said hes currently working to getthe building filled with wooden ramps andjumps for riders of all skill levels and ages,with features like classes, a training gym,caf, an apparel and parts shop, and a spec-tator area.

With sights set on a March 1 opening,Milam seems to back up the townshipsbusiness-friendly claim.

They were very excited when I toldthem about my business, he said. Theysaid theyd help with whatever they could,and that they wanted to make it as easy aspossible.

And its not just recreation and industry.According to Alaina Campbell, execu-

tive director for the Orion Area Chamberof Commerce, some 60 businesses joinedthe chamber in 2010.

Usually were out recruiting businessesto join, said Campbell. The last four orfive months, theyve been coming to us.

Not everyone who recently joined thechamber represents a new business, shepointed out. Some companies have

changed hands, while others are just look-ing for new opportunities to promote theirendeavors. Still, she said, its a positivesign.

Lately, Im thinking Wow, things arereally starting to happen, saidCampbell, noting shes heard anumber of people in the localbusiness community speakpositively about ordinance ad- justments. And I think thechanges the township madehave been a big part of that.

The township has also beenable to lure businesses with taxabatement incentive packages.

Pipe Systems, Inc., a me-chanical contractor located at199 Kay Industrial Drive, wasgranted a personal property taxabatement, and BCG Propertiesreceived a real property abate-ment. Both were awarded un-

der the industrial facilities ex-emption.

Other additions to thetownships new industriallineup include LEONI Engineer-ing Products & Services, Inc.,at 100 Kay Industrial Drive, andSouth Korea-based SBLiMotive, who announced inNovember it would developlithium ion battery packs for theFiat 500EV at an Orion facility.

The Fiat 500EV, which is being devel-oped by Chrysler in Auburn Hills for a U.S.launch in 2012, debuts at the North Ameri-can International Auto Show in Detroit thisweek.

And while General Motors is worfast and furious in its retooling procethe Orion Assembly Plant, many ofoperations necessary suppliers have nobeen identified.

Gibb said hes hoping thon that front become a lmore clear in the spring.

Parts manufacturers, allogistic pieces, warehousinventory and shipping faties, he listed. We dknow where any of thatsing to land yet; its our jomake sure it lands in Orio

Several new fast food taurants are popping up intownship, as well.

A Taco Bell recently opon Baldwin near Brown Ra Latshaw Checkers is inworks on M-24, Indianwood Junction is in

process of completely rebuing to include a gas stationrestaurant in the long-stanestablishment located neaintersection/traffic circlIndianwood, Baldwin Coats.

According to Gibb, it lolike a new eatery will sooncupy the former CVS siBaldwin and Waldon, as wwith another likely at Bald

and Maybee.That will probably happen when

Census information comes in and we out if well get any additional liquocenses, he said.

James R. Porritt, Jr.,Attorney

Open for businessContinued from page 9

Weve changed

the impression

people get from

Orion. We used to

be very difficult

to work with, but

weve developed

a reputation for

being a more

welcoming

community, and

thats a huge

accomplishment

Matthew Gibb,

Orion Township

Supervisor

A new program that the Chamber ispleased to announce, called Art in the Of-fice, showcases the artwork of local art-ists in our office.

The first artist selected to showcase herart, Elaine Darbee, is a charter member ofthe Orion Art Center.

She was part of the group that boughtthe current Orion Art Center building whichwas then moved to its current location be-hind Childrens Park in downtown LakeOrion.

The Orion Art Center is a communitygathering place and a nice place to see origi-nal art.

After graduating from Eastern MichiganUniversity, Elaine started a business withanother artist, in the 70s.

They were motivated to encourage origi-nal art in the area.

Today you can find Elaine Darbee in her

Chamber institutes Art in the OfficDragon Fly Studio working all mediumssometimes all at once.

She once was more visible withwork, but after 32 years of marketingis content to create and enter a show and then. Four pieces of Elaines workcurrently on display in the Chamber of

The Chamber would like to thank Elfor graciously allowing us to showcaseartwork in our office.

If your office needs some sprucingthis year, think about supporting our l

artists.Feel free to stop by the Chamber oanytime between 10 am and 2 p.m. to vlocal art or visit the Orion Art Centerpurchase some pieces.

The Chamber will periodically chathe artwork in the office so that wecontinue to promote our local art comnity.

8/7/2019 Orion Biz Feb. 2011

11/12

February 2011 -- Whats The Biz -- Lake Orion

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ProgressMarch 23

The Oxford Leader & Lake Orion Review

4 My DoctorApril 23, 2011

The Oxford Leader, Lake Orion ReviewThe Clarkston News, Penny Stretcher and The Citi

4

Flower FairMay 18, 2011

Ad-Vertiser, The Clarkston Newsand Penny Stretcher

Carolyn Chevrieris president ofLakes Community

Credit Union.

Many benefits to credit

union membershipBy Carolyn Chevrier

Have you ever wondered about thedifferences be-tween creditunions andbanks?

First, let'sstart with theirsimilarities.

For example,credit unions andbanks both ac- ceptdeposits andwithdrawals,

while also pro- vid-ing loans and a v a -riety of checking and savings ac-counts.

But credit unions have one very sig-nificant difference. Unlike banks,credit unions are not-for-profit, coop-erative institutions.

Banks are owned by groups ofstockholders and operated by a paidboard of directors for the benefit ofthe stockholders, whereas creditunions are owned by their membersand operated by a volunteer memberelected board of directors for the ben-efit of the members.

Each credit union's charter defines

its "field of membership." This desig-nates who can join.

Because of that membership re-quirement, all members of a particularcredit union are united by a "commonbond." As such, they share somethingin common; like where they live orwork, or their association with a rec-ognized group or organization.

Once someone qualifies for mem-bership, often family members may joinalso.

At Lakes, our membership charteris open to anyone that lives, works orworships in Oakland County.

Since credit unions are not-for-profit associations, profits are returnedto the members in the form of lowerloan rates, higher savings rates, andmany free or discounted services com-pared to other types of financial insti-tutions.

What do you have to do to join acredit union? While the actual require-ments vary from credit union to creditunion, some sort of action is requiredto designate you as a member.

Often, it's as simple as making asmall deposit that acts as your "share"

of ownership in their institution.Think of it as your share of "stock"in the business (after all, you are theowner).

At Lakes, we ask that you deposit$5 in your savings account.

Credit unions represent a differenttype of financial institution as they be-lieve fair and equitable financial serviceis vital to the well-being and stabilityof its members.

Some of the most popular servicesavailable through credit unions are sav-ings and checking accounts, homemortgage loans, no or low fee ATM/Debit cards, IRA accounts, vehicle andpersonal loans.

Research reflects that credit unionscharacteristically provide the finest fi-nancial assistance at reduced rates andwith fewer finance fees on loans whileoffering their members higher rates onsavings accounts.

So if you're a credit union memberand your friends and family are eligiblefor membership, let them in on one ofyour best secrets. Lakes CommunityCredit Union is the best place to, well,bank. Because at Lakes, we consis-tently endeavor to provide the very bestand most economical financial servicespossible to meet our members' needs.

The Lake Orion Reviewis partnering with our communityof entrepreneurs and small businesses to held one anotherother succeed.

Join us for a free weekly Coffee Club networking event,every Friday at the Lake Orion Culvers from 7:30 to 9 a.m.

Coffee? Join the club!

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Orion Biz Feb. 2011