August 2010 -- What’s The Biz -- Lake Ori on 1 Isitsafetokeep going?LakeOrion VillageManagerPaulZelenak makeshismove. Inside: Jacobsen’s Flowers celebrates 90 years The Orion Area Chamber of Com- merce held its first softball night Aug . 12 at Friendship Park. The event in- cluded a pre-game picnic and was free to members and their families. PhotosbyLauraColvin Theplayísatfirstandheísout! LisaAllainofLakeOrion FamilyDentistrydecidesto headtowardsecond. Havin’ a ball Havin’ a ball Havin’ a ball Bo bN e e l yo fG r a s s roo t sT ec h no log y w a sa i m i ngfo rt h emoo n. BIZ BIZ BIZ BIZ BIZ 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 Commerce A monthly collaborative with the Orion Area Chamber of Commerce Orion StyleOrion StyleOrion StyleOrion StyleOrion StyleWhat’s theWhat’s theWhat’s theWhat’s theWhat’s theWhat’s theSept. 2010 Vol. 4 #6 The homeplatedisputebetweenChamberPresident RosmaryRangiand VicepresidentBillKokenoswas all ingoodfun.Really!
Is it safe to keepgoing? Lake OrionVillage Manager Paul Zelenak
makes his move.
Inside: Jacobsen’s Flowers celebrates 90 years
The Orion Area Chamber of Com-merce held its first softball night Aug.12 at Friendship Park. The event in-cluded a pre-game picnic and was free
to members and their families.
Photos by Laura Colvin
The playís at first and heís out!
Lisa Allain of Lak e Or ionFamily Dent ist r y decides t ohead t ow ar d second.
Havin’ a ballHavin’ a ballHavin’ a ball Bo b N e e l y o f G r a s s roo t s T ec h no log y w a s a i m i ng fo r t h e moo n.
BIZBIZBIZBIZBIZ 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 Commerce A monthly collaborative with the Orion Area Chamber of Commerce
Robert Mott, owner of CartridgeWorld in Orion Township, is looking tohelp local schools combat a challeng-ing economic climate by encouragingthem to reuse printer cartridges rather
than buying new.ìAlthough school systems have
cut back on many things, the demandfor ink is a necessary aspect of the ev-eryday educational curriculum,î saidMott.
ì We look forward to working withschool administrators to help reducetheir operating expenses and budgetsduring this economic downturn.î
With 650 locations throughout North America, Cartridge World, a printer cartridge retailer, has struck a chord withschools nationwide for its ability to savesignificant money on printer cartridgecosts, he said.
School administrators can bringempty ink and toner cartridges into the
store or have them picked up and ex-changed for remanufactured and refilledcartridges, Mott explained.
According to company officials,more than 350 million cartridges are dis-carded in landfills every year in NorthAmerica alone, and that number in-creases by 12 percent annually. Switch-ing to remanufactured cartridges notonly keeps empty cartridges out of thelandfills, but also reduces carbon emis-sions by an estimated one million
pounds per year and conserves half agallon of oil for each laser cartridge re-used and recycled.
Cartridge World is located at 572 North Lapeer Road in Orion Township.
Cartridge World:Save cash, save
the planet
By Laura Colvin Lake Orion Review editor
It worked. Dozens of seniorssmiled, laughed and even huggedBeth Hency when they opened thedoor and found her waiting outsidewith fresh flowers.
Hency, who owns AmazingPetals Florist in Lake Orion, re-cently participated in "Make Some-
one Smile
Week,"
an
annual
com-munity outreach program spon-
sored by Teleflora and member flo-rists nationwide. "Well, this just makes myday," said a smiling Mary Malone,a resident at Heritage Place Apart-ments in Lake Orion. "I had a ter-rible morning, but this cheers meright up."
After a big hug, Mary Malone, left, againthanks Beth Hency of Amazing Petals.
All smiles
could benefit from a pick-me-up.According to organizers, more than
22,000 florists across the country havedonated time over the last decade to as-semble and deliver more than 200,000 floralarrangements nationwide, and the programis growing; this year alone, Teleflora do-nated 50,000 of its "Be Happy" mugs for
the project.
She wasn't alone. One Heritage Placeresident after the next beamed over theflowers as they thanked Hency - thenthanked her again - and carried the cheer-ful arrangements back inside.
And Make Someone Smile Week isaimed at just that, organizers said: Evok-ing a bit of happiness in nursing home resi-
dents, hospital patients and others who
Anita Gates’ column
returns next month
Th e Lake Orion Review is partnering with our community of entrepreneurs and small businesseswith a dedicated goal of helping eachother succeed.
Join us for a free weekly CoffeeClub networking event, every Fri-day at the Lake Orion Culverís from7:30 to 9 a.m.
BY ALAINA CAMPBELLPartnerships, collaboration, cross-
promotion, win-winÖ. these are big buzz wordswe're hearing to-day.
A u t h o r
Steven Covey has been teaching andtalking about theadvantages of working together for a long time.
Win-win is aframe of mind thatseeks mutual benefit between entitites, people or businesses.
Instead of thinking in terms of win-ners and losers Covey advocates seeinglife as a cooperative arena, not a com- petitive one.
Win-win constantly seeks mutual benefit in all human interactions. Win-win means agreements or solutions aremutually beneficial and satisfying.
We all get to eat the pie, and it tastes
BY ROSEMARY RANGIAre you kicking back and enjoying
those "lazy, hazy days of summer"? Notthe case at the Orion Area Chamber of
Commerce. We
are operating fullspeed ahead!There was
not a monthly lun-cheon in July, sowe turned our at-tention to creatinga Strategic Planfor 2011. A com-mittee wasformed and thusfar we have hadtwo meetings.
Our first plan of action is to sendout a survey for input from existingmembers as we restructure the Cham- ber to meet their needs and expectations.You can expect to receive this in early
September.This will be followed by a focus
group, which will include non-membersas well to gain insight as to what direc-tion the Chamber needs to move in.
Our regular networking events are
Mark your calendar for upcoming
OACC events:
SeptemberChamber Luncheon, Thursday,Sept. 9, from 11:30 a.m. to 1 p.m.at Italia Gardens in Oxford. Cost is$20 for members and $25 for non-members, payable at the door. PleaseRSVP your attendance.
9th Annual Chili Challenge, held inconjunction with Barn Daze, Satur-day, Sept. 11 from 10 a.m. - 4 p.m.at Friendship Park. Please contactthe OACC office for Chili Challengerules and registration materials.
OctoberChamberís 60th Anniversary Cel-
ebration, Saturday,
Oct.
23.
With
aRoaring 20s theme and live band,
you donít want to miss this specialevent. Watch What's the Biz and theMonthly Motivator for further de-tails.
To RSVP for any of the above listedevents contact the OACC office at248-693-6300 or [email protected].
Rosemary Rangi,OACC President
Alaina Campbell,OACC Executive
Director
• Cel eb rat ing 60 y ears • Cel eb rat ing 60 y ears • Cel eb rat ing 60 y ears • Cel eb rat ing 60 y ears • Cel eb rat ing 60 y ears •
Partnership is ëwin-winí
really taking off. We are seeing a lot of newfaces at every meeting.
Check out our new feature article, "Net-working with Neighbors," written by oneof our regular attendees, Victor Veprauskas,
Attorney at Law with Beier Howlett.Come to network-ing and next month's ar-ticle could be written byyou.
August was jump-started with a "Fun inthe Sun" luncheon heldoutdoors at the Clans-man Gaelic Pub. Thisevent was held in part-nership with our neigh- bors to the north, theOxford Chamber of Commerce.
The weather coop-erated nicely and we feasted on wonderfulfood and great service provided our friend
Angela and her staff.We then held our first Chamber soft-
ball night Aug. 12 at Friendship Park.The event was free to members and
their families. A good time was had by allwho attended and our resident "Grill Mas-
ter," Bill Kokenos, did a great job with thehot dogs.
The Chamber is also very excited toannounce a new addition to our team. Wenow have an office assistant, JoAnn Chris-
tian, who will be assuming lots of the of-fice duties that helpkeep our Chamber running smoothly.Welcome JoAnn!
FYI Members -The Chamber is con-tinuing to have dis-cussions with the Ox-ford Chamber of Commerce regardinga possible merger.Details to follow inthe coming months.
S e p t e m b e r brings our annual
Chili Challenge which is held in August inconjunction with Barn Daze, an Orion
Township Parks and recreation event.Check out our website,
www.lakeorionchamber.com for more info.Hope to see you soon at one of our events!
Rosemary Rangi is Director of Opera-tions for Crittenton Medical Equipment.
pretty darn good!So when the Lake Orion Downtown
Development Authority invited us to par-ticipate in their Economic Restructuringcommittee, we at the Chamber saw a win-win situation.
After perusing their mission and goalsand attending our first meeting we were
thrilled to see that our mission and goals areclosely aligned with theirs -- why wouldn'twe work together?
Finding those partnerships helps every-one, both businesses and the communityhere in the Lake Orion/Orion Township area.
The Executive Director, SuzannePerrault put it nicely when she said, "Themission of the DDA and Chamber reallyoverlap in a lot of ways. We both want tosupport the business community in LakeOrion. There is a great opportunity for our organizations to work together. I am ex-cited about some of the ideas in the works!"So kudos to the DDA for reaching out tothe Chamber.
A new partnership of collaboration isformed that will provide a win-win for allof us!
Orion Area Chamber of Com-merce member Ron DeLorme of
ManageMax Performance Improve-ment is helping St. Daniel's Churchand their Job Help Ministry put to-gether a Job Fair on Monday, Sept.20 from 4 p.m. to 8 p.m. at St.Daniel's Church, 7010 Valley Park Drive in Clarkston.
There is no cost to employersor job seekers. Job seekers should
bring resumes, no registtation re-quired.
Employers can contact RonDeLorme at 248-396-5031 to re-serve a full table or half table.
Employers should bring their own signage, job descriptions, ap-
plications, writing instruments and
business cards.
Job Fair
Welcome to the ChamberComfort King Mechanical,
Good Shepherd Lutheran Schoolof Fine Arts and Sciences
Love, Inc.Vacuum Works
Balanced InteractiveSuperior Logistics Solutions
Stelman & AssociatesStickradt Media GroupThe Goddard School of Oxford
Chief Financial Federal Credit UnionBasketball America
Everydry WaterproofingHole in One BagelLaVida Massage
Marty's Insty PrintsMichigan Financial Companies
PizzarifficProvide, Inc
Skalnek FordTamis Marine Construction
Tubby's Sub ShoppeAll Pro Restoration and Painting
When you go to a restaurant, youwant to have a good time, a relaxingtime.
Thatís th e message from Tri Nguyen, and thatís what he offers athis new restaurant, Sala Thai, on M-24.
The business, which opened aboutthree months ago, offers authentic Thaicuisine, and so far, the restaurant hasseen success in Lake Orion.
ìEvenings are always busy, busy, î Nguyen said.
So whatís on the menu? Sala Thaioffers a tasty view of Thailand. Nguyensaid his favorites the Pad Thai and PadSee-ew, both a noodle dishes.
Thatís the specialty of the house,îhe said, referring to the noodle dishes.ì We do things different than other res-taurants.î
Curry is also very popular, and thechef can cook up any dish from mildto extra-hot.
Another favorite: Sushi. Sala ThaiísSushi Bar is gaining popularity.
These authentic dishes are made byan experienced Thai cook, Nguyen said.Sala Thaiís chef has been with themfor 12 years, and his experience addsto the authenticity of the restaurant.
And that authenticity, Nguyen
A taste of ThailandThe staff at Sala Thai, off of M-24, greets customers with au-thentic Thai cuisine. Photo by Leah Yanuszeski
noted, that is definitely important.ìA lot of people come in and thank
us for opening a Thai restaurant,î hesaid. ìWhen people come in the firstthing they say is ëwow, this places looksnice.í Itís not like other restaurants witha chair and a booth.î A full menu includes everythingfrom appetizers to desserts, and entreesto soups. Lunch prices are reasonable,ranging from $6.95-$8.65.
Nguyen is a newcomer to restau-rant ownership, but doesnít mind thehard work and long hours.
ìItís stressful,î he said. ìBut no pain no gain. Nothing is easy. î
He is aided by the owners of thetwo other locations, in Sterling Heightsand downtown Detroit.
ìI hope to get more business dur-ing lunch,î said Nguyen.
Even though ìdinner is big,î SalaThai is offering coupons for lunch toget customers in.
The deals change every day, rang-ing from half-off the second price lunchto $5 off a $35 bill.
Why should you stop at Sala Thaion your next lunch break?
ìThe ambiance, service, and qual-ity of food,î Nguyen said. ìYou nameit.î
Sala Thai is located at 335 South
Broadway in Lake Orion.
What’s for lunch?Time for Chamberís 9th
Annual Chili ChallengeDo you think you
have Lake Orionís bestChili recipe?
Prove it, and putyour best chili to the
test at the Orion AreaChamber of Commerceís 9 th An-nual Chili Challenge,coming up in conjunc-tion with Orion Town-ship Parks and Rec-reation DepartmentísBarn Daze event atFriendship Park on Sat-urday, September 11from 10 a.m. to 4
p.m.Participating teams will bring all the
ingredients and supplies to FriendshipPark, where theyíll will cook up their steaming pots of chili.
A distinguished panel of judges will
conduct the official taste-testing, with winnersawarded in four specailtycategories. Chili Clallenge
champions will receive acommerative plaque, andwinning Chili recipes will
be featured for the enjoy-ment of the community atseveral area restaurantsthis fall.
The Chili Challenge isopen to any group, busi-ness, family or individualwho wants to participate.
To enter contact theChamber office at 248- 693-6300 or [email protected].
Last yearís Grand Prize winner wasGenisys Credit Union, come out and getcookiní to see if you can beat them!
Good luck!
ïGrand Prizefor best overall chili, ïScorned Womanfor best spicy chili ïBorn to be Mildfor best mild chili ïPeopleís Choicethe crowd-pleaser
Chili Challengecategories:
Located on Lapeer Road & Dutton (1/2 Mile N of the Palace) 248-276-2222
Of Lake Orion
Get a Victory B u r g e ron us!
2nd Annual Cruise Appreciation
Buffe t
September 19thSeptember 19thSeptember 19thSeptember 19thSeptember 19th FREE BUTTER BURGERIf Lake Orion winstheir first game
Aug. 27thGet your
FREE ButterBurgerafter the game.
9 pm-11 pmNo purchase necessary.
Not to be combined with otheroffers or specials.
1 per person Dine-in Only
L.O.Culver’s only w/coupon.Not be be combined with other offers.
Only Exp. 9/5/10
AnySHAKE
or
MIXER
$100 Off
L.O.Culver’s only w/coupon.Not be be combined with other offers.
Dine-in Only Exp. 9/5/10
AnySUNDAE
$100 Off
L.O.Culver’s only w/coupon.Not be be combined with other offers.
Only Exp. 9/5/10
AnyVALUEMEAL
$100 Off www.culversoflakeorion.com Wildcats Also Welcome
When Charles Jacobsen built a greenhouse at the cor-ner of two railroad tracks, he probably didnít think thatsame greenhouse would still be growing, selling, and ar-
ranging flowers 90 years later.This year marks the 90th anniversary for JacobsenísFlowers.
Founded in 1920, the business has survived both TheGreat Depression and World War II, not to mention theordinary hardships of business.
The original location, at the intersection of M-24 andHeights Road, has remained in Lake Orion, but JacobsenísFlowers has also expanded to include locations in Waterfordand Bloomfield Hills.
ìWhen you think about how many businesses make itto 90 years, itís not many,î said Harold Jacobsen, great-grandson of founder Charles Jacobsen.
According to Harold, Charles came out to Lake Orionevery weekend from Detroit, where he lived and workedas a tailor. After building the greenhouse, he moved to town and
lived next to it with his family.When Charles died at the age of 45, his son Harold Sr.,18-years-old at the time, took over.
During The Great Depression, Jacobsenís Flowersgrew fruit and produce, which they sold for income. Atone point Jacobsenís boasted over 60,000-square-feet of greenhouse. Today, due to specialized growing and energycosts, that number has decreased.
Over the years, Jacobsenís has continued to operate asa family-run business. ìAll of my key people have been with me 20-plusyears,î Harold said.
ìItís a joke around here that we have employed half the people in Lake Orion and Oxford,î added Brad Jacobsen,great-grandson of Charles.
Harold also commented on the importance of shop- ping and buying local.
ì Years ago
we
used
to
know
who
the
butcher
was,îhe said. ìItís not like shopping in the grocery store.î
Sheri MacDonald, a twenty-year employee of Jacobsenís, notes the relationship between employees andcustomers. ìSo many of our customers we know by name,îshe said, ìItís not very often that people walk in our door and we donít recognize them.î
Customers visit Jacobsenís for a variety of reasons aswell. Specializing in cut flowers, satisfied customers returnfor occasions varying from prom to first communions.
ìItís exciting, itís always changing and never the same.We deal with feelings and emotions, weddings, births, fu-nerals. A to Z all in one day,î said Harold.
The shop, he said, is a ìpersonalized business,î with astaff who specialize in serving customers experiencing dif-ferent emotions.
Loyal customers are not the only reason for Jacobseníslasting success.
Harold and Brad noted Jacobsenís has adapted to the
Jacobsen’s Flowers celebrates 90 yearsShop began at the hands of a1920s-era tailor from Detroit
Above, Sheri MacDonald decorates the Lake Orion storefor fall, and right, from right, Brad Jacobsen stands with hisfather, Bruce Jacobsen, and his cousin Harold Jacobsen.Since 1920 Jacobsenís Flowers has remained a family-runbusiness. Photos by Leah Yanuszeski
21 century, introducing technology and newmethods for growing flowers, as well as sales.
ì Technology routes our delivery people,things have really changed,î said Harold.
Annuals were once grown in dirt andhanded out in baggies, then strawberry bas-kets, and now plastic planters, Brad noted.
ì Weíve had it all here,î he said. ìOur busi-
ness has seen all of the changes.îSheri explained changes on the sales end,including the addition of a store website andFacebook page.
And all the hard work has paid off.Jacobsenís has been a FTD top member for the past 32 years. Working closely with thecommunity and schools, Jacobsenís also of-fers a hands-on experience for kids on fieldtrips.
Today, Jacobsenís owns about an acreof greenhouses. They serve as a full-serviceflorist, including retail sales, everyday flow-ers, and commercial decoration. ìYou spe-cialize in what you do best,î said Brad.
Jacobsenís Flowers is located at 545South Lapeer Road. Call 248-693-8383.
• Support your Lake Orion community by shopping local •
Licensed Broker • Chairperson of County Bar R.E. Comm
Member American & State Bar R.E. Sections
James R. Porritt, Jr.
248-693-6245
30 Years Real Estate Experience
ATTORNEY
For Sale By Owner
TRANSACTION• Advice, preparation of Purchase Agreement,
Mandatory Disclosures & related documents.• Coordination of financing, inspections, surveys,
appraisals, title work & closing
Cash To New Mortgage Transaction 1/2of 1%
Seller Financed Sales 1%
SIMPLE WILLS F r e e I n i t i a l C o n s u l t a
t i o n
• Self directed disposition of assets• Your choice of administrator
• Your choice of Guardian for minors• Your choice of Trust for minors to be set up after your passing.
“Avoiding Probate”does not justify the cost or inconvenience of setting up a Living Trust and maintaining it for therest of your life. Michigan’s unsupervised probate procedure is inexpensive, uses preprinted forms, avoids formalaccountings, court appearances, or approval of asset disposition.
Short SalesProcedures & Negotiations
If You Must Sell Your Home
And Cannot Without A
Reduction In Your Mortgage
Balance, Call For An
Appointment.(Land contracts, private mortgages, lease with option)
Attorney James
R. Porritt, Jr.
Tenant protection in foreclosuresAmong the many enactments included
in The Wall Street Reformand Consumers Protec-tion Act recently passed
by Congress is a continu-ation of the effective pe-riod for protection of ten-ants who find themselvesin homes that have beenforeclosed upon.
The protection is nowextended to the end of
2014. A significant changeis added which requires
Interested in helping Lake Orion's young people find success?
A new Optimist Club forming in Lake Orionis seeking members.
The gist? Maintain an upbeat attitude andconduct positive community service projectsaimed at empowering youth.
"We're looking for civic minded individualswho want to see the community grow," saidRoger Diederich of the Clarkston area OptimistClub.
The Clarkston club, Diederich explained, isassisting with formation of the new Lake Orionclub.
ëOptimistsí wanted for new club
that the tenants be given not less than 90days notice and that the 90 days does not
begin until the expiration of the landlord'sredemption period.
In other words, if the landlord has beenforeclosed upon and a sheriff's sale held,the tenant will have a period of 90 days after the expiration of the usual 6 month redemp-tion period to vacate.
Tenants occupying properties whichhave been foreclosed can gain access toinformation about the sale and applicable
redemption periods from the Register of Deeds.
Working in tandem with local schools, hesaid, the club will provide Orion area youthwith activities aimed at helping them developto their full potential.
Each club, Diederich said, operates with theautonomy and flexibility to determine the needsif its own community, and to tailor programsand projects to meet those needs.
An informational meeting is scheduled for 7:30 a.m., Monday, July 23 at CJís on Flint Streetin downtown Lake Orion.
For additional information contact Roger
Diederich at 248-625-5915 or Don Brose at 248-736-8833.
Schedule your appointment today
Call 248-628-2597
Accepting New Patients
Early Morning and Evening Hours
Same Day Appointments Available
is pleased to welcome
Dr. Robert J. Basak, D.O.
385 N. Lapeer Road, North of Burdick St. • Oxford
Dr. Basak is a Board Certified Family Practice Physician
By Victor Veprauskas Attorney at Law, Beier Howlett
Toss out parental liability waivers andreplace them with an increased insurance
policy?According to a
recent decision bythe Michigan Su-
preme Court, thetraditional pre-in-
jury liability waiver,
signed by parents toallow their child's
participation in arange of activities,will no longer holdup in court.
Although the parental liability waiver has long been the accepted release formfor an organization hosting activities fromday camp to travel sports, on June 18,2010, the Michigan Supreme Court heldthat a parental pre-injury waiver is unen-forceable under Michigan's common law.
The Court noted that a parent or guardian has no authority to bind his child
by contract (absent special circum-stances), and a parental pre-injury waiver
is a contract.Michigan's common law rule is that a
Is liability waiver enough?minor lacks the capacity to contract for his or herself. The court also held that itis clear a minor cannot empower an agentor attorney to act for him in Michigan.
The case, Woodman v Kera LLC,2010 Mich LEXIS 1125, involved a five-year-old child who was injured after fall-ing off an inflatable slide at a birthday partyheld in a Bounce Party facility.
Although the parents signed a waiver before the child engaged in the activity,
they were able to successfully sue the fa-cility after the injury.
Ramifications of this decision are ex- pected to be far-reaching, as organizationsof all types are left open to liability.
From school districts hosting fieldtrips to soccer teams traveling to games,the hosting organization is not protected
by a parent's signature on the pre-injurywaiver.
Although the recently amended Estatesand Protected Individuals Code (EPIC) pro-
posed parents be allowed to sign enforce-able waivers, the code was adopted with-out this provision.
A child can be bound by a parent's actwhen a statute grants that authority to a
parent. Legislation to modify the commonContinued on page 11
Current Orion Area Chamber of Commerce President RosemaryRangi, right, and Vice PresidentBill Kokenos, left, present imme-diate past President ElizabethMeyer with a plaque honoringher dedication to the Chamber.Meyer is Branch Manager atGenisys Credit Union.
‘ T h a n k s ,
E l i z a b e t h ! ’
‘ T h a n k s ,
E l i z a b e t h ! ’
Victor Veprauskas
Your Local TV StationThis week’s TV highlights...
Don’t Rush Me,
The Show With columnist Don Rush.
Posted Tuesday nights by 6pm.
Phil in the blank With Clarkston Newseditor Phil Custodio.
Posted Thursday mornings at 6am.
Jill’s Show With Jill Mitchell.
Posted Wednesday
mornings at 6am.
This week we’re featuring the ‘60’s sitcom, Green Acres with Eddie Albert
& Eva Gabor. Tune in to watch the antics of Oliver, Lisa and Arnold the pig.
Our movie feature is Africa Screams with Abbott & Costello.What trouble will the boys get into this time?
If you and the local tow truck driver are on a first-name basis, or you arespending your free time searching for cheaper gas for your guzzler, a new car might be in your near future.
Michigan Catholic Credit UnionísAuto Loan Special can help you get thecar you want with payments tailored tofit your budget.
MCCU is offering auto loan rates ìaslow asî 3.99 percent APR* on modelyears 2008-2010 with terms up to 84months and 4.99 percent APR** onmodel years 2001-2007 with terms upto 66 months.
This spring take advantage of thesegreat rates and MCCUsí quick loan ap- proval to get on the road again in thevehicle you want.
An MCCU auto loan gives you:ï Great terms and payments to fit your
budgetï Low rates on new, used and classic
vehiclesï Discounted Auto Insurance plusGAP, Credit Life & Disability insuranceavailable on new and used autos***
Michigan Catholic Credit Union hasearned an outstanding reputation as atrustworthy and reliable lender and is wellknown for its low-rate auto loans.
We suggest that you speak with oneof our loan experts and get your loan pre-approved before you take your firsttest drive.
That way, youíll know the price rangeand the payment amount you can com-fortably afford. Then, you can shop withconfidence knowing youíll avoid anyhassle or pressure at the dealership.
If you already have an auto loan with
another lender, we invite you to stop by
any Michigan Catholic Credit Union branch to take the ìBeat Your Car Pay-ment Challenge.î
If we canít lower your current car payment, weíll give you a $100 Dining
Dough Card****
good
for
substantialdiscounts at dining locations in your
neighborhood and on gifts.MCCU is a member-owned, full-ser-
vice financial institution. We are com-mitted to helping enhance the financiallives of the Catholic community by pro-viding quality financial products and ser-vices at an affordable cost. We focuson building lifelong relationships with our members and their families.
MCCU has seven branch locations:Lake Orion, Rochester, WestBloomfield, Troy, Sterling Heights, AnnArbor, and Lansing.
For more information about the autoloan special, refinancing a current autoloan, or about credit union membership,
call Diane Leier, Branch Manager atMichigan Catholic Credit Unionís LakeOrion Branch, today at 248.693.3400,ext. 1500. Or stop in at MCCU at 845South Lapeer Road for details.
*As low as 3.99% APR (Annual Percentage Rate) for up to 84 months. ** Rates as low as 4.99% APR for up to66 months.
***Mechanical Breakdown, Credit Life and Disabil-ity, and GAP Advantage are offered through Allied Solu-tions. Auto Insurance is offered through Members Homeand Auto and AAA of Michigan insurance companies.
****Offer is subject to credit approval. Other restric-tions may apply. Member must bring in other financialinstitutionís loan papers to verify current loan payment.If vehicleís value is less than loan refinance, MCCU re-serves the right not to approve loan. Offer is based oncreditworthiness and collateral value. Dining DoughCards are purchased though Fidelity National Informa-tion Services.
Your rate is determined by your credit profile andaccount relationships with MCCU. Rates current as of
5.4.10 and
subject
to
change
without
notice.
Member-ship eligibility required.
Auto loan special makes it easier
Shift into drive with MCCU
Michigan Catholic Credit Union(MCCU) in Troy, Michigan, is proud toannounce the promotion of Tracy Goldenas the Credit Union's Marketing Manager.
Tracy's experience in the creditunion industry spans more than 17 years.
Tracy joined the MCCU MarketingDepartment in 2003, and since then, shehas become an integral part of MCCU'smarketing team.
As Marketing Manager, Tracy is ac-countable for all creative marketing strat-egies, public relations, and MCCU spon-sorships.
"I am pleased to accept the positionof Marketing Manager here at MCCU,îTracy said. ìI look forward to exploring
Golden promoted to marketing managerinnovative marketing opportunities, likesocial media channels and expanding our reach within the Catholic community."
Tracy resides in Ortonville with her husband, Thom, and volunteers at St.Anne's Church and at fundraisers for Catholic Social Services of OaklandCounty.
Michigan Catholic Credit Union hasapproximately 35,000 members and $262million in assets, and has been servingthe Catholic community since 1956. MCCU employs more than 80 em-
ployees with seven branches in Troy,West Bloomfield, Sterling Heights, LakeOrion, Ann Arbor, Rochester and Lan-sing.ëNetworking with Neighborsí
The Chamber hosts a bi-weekly Net-working Group that brings together busi-nesses to exchange information.
Participants meet face-to-face withother like-minded individuals who want or need their products and services.
The group represents a large array of resources available to members who arelooking to fulfill a need or market their own
business.At future networking meetings, the
Chamber will randomly choose one at-
tendee to write a feature article for The Biz.
Attorney Victor Veprauskas from Beier Howlett has been selected to submit thefirst article.
Veprauskasí helpful advice and insightat ìNetworkingî have helped numerouslocal businesses, meeting facilitators said,noting they wished to thank Veprauskasfor his support and membership in the
Chamber.
Participants pose for a photo after making some new connections recently.
BY CAROLYN CHEVRIER Quick - how much money is in your
share draft account right now?Surprisingly (or not so surprisingly),
one of the biggest obstacles to always hav-ing the money for ev-erything you needwhen you need it, isnot having a system totrack your finances.
Organizing your finances is one of thethree laws of smartmoney management.The second is TheLaw of 10 Cents (saveten cents for everydollar you earn). Thethird is Enjoying theWait (pay cash insteadof credit). Getting organized takes time,
but doesn't require any drastic lifestylechanges.
You can organize your finances us-ing software programs or online services,such as Quicken, Mint, Geezeo andWesabe. Lakes offers free Budget Smart
software to our members through our partner Accel. They all work well - if you use them.
Like purchasing a treadmill, gettingstarted feels like a commitment, but whenyou use your chosen method consistentlyyou will see the positive results.
Once you've entered information ac-curately, you'll have a full picture of whatcategories are getting what percentage of
Carolyn Chevrieris president ofLakes CommunityCredit Union.
Organize your financesyour income. For example, you mightthink you spend five percent of your in-come on groceries, but in tracking your use of debit, credit and checks, it mightshow you that the percentage is closer totwelve. A software program or online ser-vice makes it easy to see all this and more.
Advantages aside, if you know youwon't use the software, don't buy it. Youmight use a combination of Excel and
Word to track where your money goes,or simply use pen and paper. You need totrack income, expenses, deposits, with-drawals, credit card use and every pennythat leaves your possession.
If you choose the pen and paper route, buy a special notebook exclusively for this purpose, or get a pre-formatted budgetworkbook. Figure out what works bestfor you, and give yourself three to four hours to set it up. Schedule a few minutesevery 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 thechanges that will positively affect your level of wealth.
Also available to Lakes CommunityCredit Union members is Accel FinancialCounseling, which can help you get your finances in order.
Lakes is your Community CreditUnion.
If you live, work or worship in theOakland County you can join! Come ex- perience "the Lakes Community CreditUnion difference."
law rule at issue was introduced into theLegislature on May 19, 2009 - HB 4970.
On March 10, 2010 the House Judi-ciary Committee reported the bill with asubstitute and recommended the Houseof Representatives adopt the statute.
The HB 4970 would add Section 5109to the EPIC. However, as of July 26,2010 the statute has not been adopted.
Justice Young, in dicta, suggested that perhaps an alternative to the pre-injury li-ability waiver is a parental indemnity.
However, the other Justices com-mented that such issue was not beforethe Court and would likely be held to di-rectly contravene the compelling policyreasons that exist for the historic com-mon law rule.
Furthermore, courts
in
a number
of States have held that such indemnity
agreements are unenforceable becausethey produce the same effect as parental
pre-injury liability waivers.Currently, with no clear solution to
the liability issue at hand, organizationshosting activities for minors should con-sult with their attorneys and insurance pro-viders to determine how best to protectthemselves from claims of negligence,whether it be through additional safetymeasures or insurance coverage.
Liability waivers should continue to be used in the interim to inform your cli-ents of the risks involved in participation.
Beier Howlett will keep you informedof any updates to the EPIC that wouldoffer solid legal protection to your orga-nization.
Beier Howlett is located at 200 East Long Lake Road in Bloomfield Hills. Call 248-645-9400.
Will liability waiver protect your business?Continued from page 9
4Mark YMark YMark YMark YMark Yourourourourour
CalendarsCalendarsCalendarsCalendarsCalendars
3 Great Special SectionsThat Will Be Sure To Increase Your Business
