eMailMax 2/27/2010 : Page 1

Sale Dates: Feb 28 Thru Mar 6, 2010 of St. Joseph PATER Automotive Marketplace . . . . . . . . . . .Pg 7 . . . . . . . . . . .Pg 10 Classified Advertising. . . . . . . .Pg 12-15 Moody on The Market Pat Moody Major Award Winners from the Cornerstone Chamber of Commerce Champions of Commerce this year did some- thing new for the first time. For lunch on the day following the Annual Combined Meeting, six of the top award winners sat down to a Media Roundtable with the principles from the Harbor Shores project. The purpose behind the sit down was to ask those key win- ners about the impact of Harbor Shores on local business, and the results were a real eye opener. Gary Easterling of United Federal Credit Union, winner of the Large Business of the Year launched the dialogue by voicing great enthusiasm for “The energy around the com- munity because of the project.” He told how his entire family, including his grandkids, was watching the transformation of the entire region. He likened the revitalization of Jean Klock Park to turning a dump into a treasure, and noted that it was exhilarating to watch the Jack Nicklaus Signature Golf Course reverberate out from the center of the project spreading good things in increasingly wider circles into the community. Dennis Jones of Shepherd Caster Corporation, winner of the Entrepreneur of the Year in the Manufacturing Sector told of moving to the community from Indianapolis as a transplant some 15-years ago and seeing vir- tually all of downtown Benton Harbor board- ed up or collapsing back then. He called the “Aggressive change in the past five years a remarkable transformation,” that every day seems to put more and more amenities at our fingertips. His company now holds all of their national sales meetings here and they love Continued on page 6 Coming Next Week Your Good News Paper. www.MailMaxOnline.com Vote for Your Favorite Photo Caption Online! visit www.MailMaxOnline.com Must Be Love Two swans enjoy the winter sunshine together at North Lake Park. Photo by Michelle Allen Please send your favorite horizontal photo with a brief description to MailMax at 2202 Plaza Drive, Benton Harbor, MI 49022 or email attached photo to Photos@FarAhead.com ATTN: MAILSUBMISSIONS: If you would like your photo(s) returned, include a self-addressed, stamped envelope with your photo submission. INSTITUTE OF FINANCIAL EDUCATION Classes in Financial & Estate Planning If you want to learn all the essential financial information everyone needs to know, this class is a must. Ask Yourself 2 Essential Questions… 1. Are you comfortable with your knowledge of financial terms? 2. Will I benefit from an easily understood course delivered by financial experts in legal, investment management and tax preparation? COURSE OUTLINE The Course Consists of a 2 evening, 2 hour session on Tuesday and Thursday March 16th and 18th from 6:00 PM to 8:00 PM Types of Investments • Mutual Funds • Stocks • Fixed Annuities • Variable Annuities • Fixed Indexed Annuities • Bonds • CDs • Money Market Accounts Risk and Investing • Market Risk • Business Risk • Interest Rate Risk • Inflation Risk • Time Value of Earnings Risk • Liquidity Risk • Opportunity Risk • Currency Risk Risk Management Strategies • Dollar Cost Averaging • Staggered Fixed Income Maturities • Diversification • Asset Allocation • Disciplined Investment Strategies Investment Strategies • CD Alternatives • Split Annuity Concept • Annuitization • Tax Exclusion Pension Plans • 401k • 403b • Simple IRA • 457 Plans • Defined Benefit Plans • In Service Withdrawals • Rollover and/or Direct Transfer Options Personal Insurance • Automobile • Homeowners • Renters • Umbrella • Liability Medicare • Part A, B, C, D Long Term Care Insurance • Will you need it? • Howmuch does it cost? • Will Medicare pay for LTC? • Will Medicaid pay for LTC? • When should you buy it? Life Insurance • Whole Life • Universal Life • Variable Life • Second to Die • Term Estate Planning • Wills • Asset Titling • Benefits of a Trust • Revocable/Irrevocable Trusts • Reduce or Eliminate Estate Taxation • Reduce or Eliminate Probate • Gifting • Important 2010 Tax Law Changes IRA’s • Minimum Required Distributions • New Regulations • Revocable Trust as Beneficiary of IRA • Income in Respect of a Decedent • Stretch IRA’s • Inherited IRA’s • Spousal Rollover vs. Alternative Strategy • Early Withdrawals Using 72t Social Security • Retirement benefits and eligibility • Understanding Your Annual Statement • Social Security Benefit Taxation • The Future of Social Security Avoiding Investor Mistakes • Identify Mistakes • How Can I Avoid These Mistakes How To Avoid Identity Theft • Tips that will help you thwart would be thief's • Eliminate direct marketed credit card offers What you get The comprehensive course workshop contains practical exercises and examples to help you learn and remember everything covered during the course. A complimentary workbook is included at no additional cost. Tuition… The usual tuition of $149 has been Waived For These Events A spouse or guest may accompany you at no additional charge. Additional books may be purchased for a cost of $9.95 each. STEVENSVILLE LOCATION 5762 James Drive Stevensville, MI 49127 The Course Consists of a 2 evening, 2 hour session on Tuesday and Thursday March 16th and 18th from 6:00 PM to 8:00 PM SEATING LIMITED. RESERVE YOUR SEAT TODAY! 1-269-235-0664 or register online at www.InstituteOfFinancialEducation.org It is a valuable reference tool designed to help you understand the concepts and nuances of personal money management and help you to organize your resources and understand how each decision affects your financial objectives. The courses are taught by practicing CERTIFIED FINANCIAL PLANNER (CFP)TM professionals, tax advisors and/or attorney’s. Martin’s Weekly Flyer will be in your MailMax. 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Moody On The Market

Major Award Winners from the Cornerstone Chamber of Commerce Champions of Commerce this year did something new for the first time. For lunch on the day following the Annual Combined Meeting, six of the top award winners sat down to a Media Roundtable with the principles from the Harbor Shores project. The purpose behind the sit down was to ask those key winners about the impact of Harbor Shores on local business, and the results were a real eye opener.<br /> <br /> Gary Easterling of United Federal Credit Union, winner of the Large Business of the Year launched the dialogue by voicing great enthusiasm for “The energy around the community because of the project.” He told how his entire family, including his grandkids, was watching the transformation of the entire region.<br /> <br /> He likened the revitalization of Jean Klock Park to turning a dump into a treasure, and noted that it was exhilarating to watch the Jack Nicklaus Signature Golf Course reverberate out from the center of the project spreading good things in increasingly wider circles into the community.<br /> <br /> Dennis Jones of Shepherd Caster Corporation, winner of the Entrepreneur of the Year in the Manufacturing Sector told of moving to the community from Indianapolis as a transplant some 15-years ago and seeing virtually all of downtown Benton Harbor boarded up or collapsing back then. He called the “Aggressive change in the past five years a remarkable transformation,” that every day seems to put more and more amenities at our fingertips. His company now holds all of their national sales meetings here and they love Bringing global customers to the area, noting that they all voice a desire to return more often every time.<br /> <br /> Amber Smith of Power In Motion, winner of the Entrepreneur of the Year in the Commercial Sector says that Harbor Shore became a vital part of her business plan, knowing full well that more and more families with young children would be attracted here not only as a destination to visit, but as a new place to call home, and thus more business for her own enterprise which has grown exponentially.<br /> <br /> Becky Kliss of Great Lakes Cleaning, winner of the Chamber’s Green Business Award was one of the first to personally experience the impact of the Harbor Shores environmental clean-up process, having purchased one of the first homes available in the neighboring Edgewater District. She and her company are passionate about protections to the environment and she finds herself highly appreciative of the pledges by Harbor Shores to be laser focused on being good stewards of the environment. She has watched first hand from her own home the progress of the beach front and golf course and says she loves living here now more than ever.<br /> <br /> KC Gast, representing the Silver Beach Make A Memory Project which won Cornerstone’s Marie Franz Partner of the Year Award told of his family’s lifetime dedication to projects that improve the quality of life for all of us, but admitted that even he hadn’t connected all of the dots that show how intertwined the myriad improvements we all are enjoying as a result of these projects until the last year or so. He said that it is increasingly obvious that he, as a small business owner in the home décor sector, is a direct beneficiary of the synergy that Harbor Shores brings to us all. His clientele has grown exponentially in the St. Joseph and Benton Harbor area from an era when his major focal point had been Harbor Country.<br /> <br /> Chris Cook of Abonmarche, winner of the Merlin Hanson Exemplary Business Leader Award freely confessed that his company has greatly benefitted from the Harbor Shores project, having played a major role in architectural, environmental, and many other aspects of the project as a hired consulting firm. That experience was also extrapolated to work for the Silver Beach project, the MDOT reconstruction of Business Loop 94 on Main Street in downtown Benton Harbor and beyond. He applauded the incredible collection of brain power and vision that has lead to the massive improvements that we all enjoy as a result.<br /> <br /> All of the award recipients talked glowingly and with great pride about the progress that has been made locally thanks to the project, but they also cautioned that we’re really just at the beginning and many more things need to continue to keep the lifeblood pumping. Affordable midmarket housing, attraction of youth-oriented shops such as Abercrombie & Fitch, governmental stability, inclusion of people from all walks of life, new opportunities to enjoy the bounty of our natural physical amenities, and the need to continually keep the good news flowing to keep visitors on our doorstep were all great suggestions from these outstanding business people. The exercise was a very worthwhile effort and shows that our business community is keenly aware of the steps being taken, the progress being made, and the work yet to be done as we strive for an ever increasing Quality of Place in Michigan’s Great Southwest.<br /> <br /> Freely admitting that he’s “OCD so that you don’t have to be,” has paid massive dividends to Scott Berry and his Scott Berry Promotions agency in Stevensville. Scott tells me that his first 15-months at his new location alongside Ace Hardware on John Beers Road have produced skyrocketing results by attracting more and more clients to his promotional products business. Berry points to dramatic spikes in both sales and profitability that produced a record year for his company in 2009. He says that he is not only blessed to be in this area, but is now planning still further expansion in the near future. His quirky radio campaign has certainly garnered attention and translated to his bottom line. Congratulations, Scott.<br /> <br /> Donna Shafer’s Sculptures Studio Salon & Spa Life is also traveling that upward business spiral and has just added two phenomenal new professionals with the highest credentials in the business. Her newest stylist, Katherine has relocated to Sculptures from a position in Grand Rapids. She brings with her a great deal of excitement for her expertise in cutting and coloring.<br /> <br /> Donna’s new esthetician, Kaylie, provides relaxed and enjoyable facials, body wraps and waxing in a serene and professional environment.<br /> <br /> Both of these talented new additions are graduates of the Aveda Institutes, raising the bar of health and beauty in the region. If you’d like to learn more and enjoy introductory specials from Kaylie and Katherine, call Sculptures today at 985-0505.<br /> <br /> The excitement is almost palpable over the impending return of the wildly popular Ideal Place Restaurant in the Benton Harbor Arts District. The last obstacle is reinstatement of the active liquor license from escrow and the subsequent inspection process. Once those processes are complete, Chris and Barb will be two of the most popular ladies in town. Stay tuned! As Chris has aptly put it…they’re “Getting closer day-by day!!!!” Come Tuesday, which is March 2nd, the entire cast and crew at Williamson Employment Services will celebrate their 18th Anniversary in business. Founded by Peg Williamson, the staffing and employment firm has offices now in St. Joseph, Niles and Grand Rapids. Their philosophy of “Placing People First,” has clearly served them well as they continue to grow.<br /> <br /> A couple of weeks ago I told you the story of Nan Edwards’ K9 Training Center in Watervliet. Unfortunately, I failed to tell you where you could find the center or even how to contact them. I simply invited you to their Open House next week. Thanks for keeping me on my Toes, everyone. You can find Nan’s new business at 351 North Main Street in Watervliet, two stores north of the Ace Hardware. Her phone number is 269-341-3105. Hopefully that will get you what you need and where to find her.<br /> <br /> Best of luck, Nan.<br /> <br /> My friends at the Chartreuse Art Gallery in downtown St. Joseph have introduced a little mid-winter fun in the form of their own St. Patrick’s Day Sweepstakes, with a $50-dollar gift certificate riding in the balance for one lucky visitor. Entry forms are available at the gallery at 304 State Street downtown St. Joseph, as well as at their neighbors The Chocolate Café. Now that Tulips Asian Bistro on Niles Avenue is showcasing some of the artists from Chartreuse, you can also get an entry form there…or online at www.chartreuseartgallery.com. The winning entry will be drawn on St. Patrick’s Day.<br /> <br /> Incidentally, the gallery has recently welcome two new artists, well-known Jeweler Cheri Lesauskis and intern Rianna Willey, a fiber artist. If you’re feeling lucky…stop on by!<br /> <br /> If you are having trouble finding ways to properly recycle appliances, TV’s, computers, electronics, metals, water heaters, batteries, aluminum and more at no cost to you, Butch Genovese is at the ready with his new firm, ReCycling Patrol, serving Coloma, Riverside, Watervliet, St. Joseph, Stevensville, Baroda and Bridgman. They offer free hauling for you by simply calling to make arrangements at 269- 369-1678.<br /> <br /> Lucas Brown of LPL Financial in St. Joseph has added a new licensed investment and insurance representative to his stable in the form of Vicki Holt. Vicki brings more than a decade of marketing experience in various industries to the table including five years in financial services.<br /> <br /> She became an Investment Representative last year and is licensed to sell and service life and health insurance as well. Her husband is a local estate planning attorney. You can reach Vicki at 982-2710 or by email at Victoria.holt@ lpl.com. Welcome aboard, Vicki.<br /> <br /> Lakeside Cancer Specialists at 3950 Hollywood Road in St. Joseph will host the “Lilly Oncology on Canvas Exhibit” next Saturday, March 6th from 11am until 1pm. The exhibit coincides with their Open House and Welcome and Introduction of Dr. Gerald Kozuh, who recently joined the practice with Dr. Edmund Paloyan. Prospective patients are invited to tour the clinic and meet with the physicians and staff, and you can learn more at www.<br /> <br /> Lakesidecancer.com. Or you can call 428-4411.<br /> <br /> The exhibition honors the journeys traveled by millions of people affected by cancer worldwide, and there is no charge for the show.<br /> <br /> From the e-Mailbag: Dear Pat…Thanks for the great write up you did for Royal Enterprizes and the Wedding Arch. There were a few people who came to our booth at the wedding show and said they read about it in MailMax and made a special point to come to our booth to see the new arch. You took a short, factual piece and created a great piece of reading (and radio) material. Has anyone ever told you how good you are at what you do? Thanks again. See you at a Chamber of some other event. Keith and Kathy Royal. Thanks K&K! I appreciate the feedback…but you guys are the true artisans in this picture. Keep up the great work.<br /> <br /> That’s it for this week, kids. Have a great weekend. Hope to see you at the LMC Auction next Saturday! Please remember to shop locally… there’s more here than you know!

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