eMailMax 5/1/2010 : Page 1

Sale Dates: May 2 Thru May 8, 2010 of St. Joseph Sale Price Effective Monday, May 3 through Sunday, May 9 Pg 11 Golf Directory - Pages 8 & 9 Moody on The Market Pat Moody The debate has been long and loud. The arguments have been strident, impassioned, and about as varied as the number of colors in the largest box of Crayola Crayons available on the open market. Now, however, it is crunch time. The St. Joseph Public School District is asking for taxpayers to show up at the polls come Tuesday, and help move the district into the mod- ern era of technology and advancement. The request has turned neighbor against neighbor in some areas, and undoubtedly even pitched hus- band against wife within some households. The bond request is designed to upgrade and update school facilities across the board. The school board had originally intended to ask voters to approve the millage request more than a year- and-a-half ago, but found themselves in a quan- dary with the arrival of the global recession. For some folks, that recession is still a very personal issue, finding themselves either without work at all, or perhaps in a whole new career that fails to come close to what they had been earning. For others, the fiscal downturn has ended, and the road to recovery grows stronger every day. A trip to the ballot box is a deeply personal thing, driven by intensely personal feelings. The school board, staff and administration have done everything they can do to convince voters that the requests are extremely real, and critically necessary. Opponents armed with statistics of their own and an answer for virtually any argu- ment have done everything that they can to con- vince family, friends and neighbors that this is just not worthy of voter support. Invariably the argument arrives that “this is just not the right time for a tax increase.” Sadly, there will never be a “right time,” for some contingent among us. For their own intensely personal situations or convictions some will vote “no” this time out, Continued on page 10 Your Good News Paper. www.MailMaxOnline.com Vote for Your Favorite Photo Caption Online! visit www.MailMaxOnline.com Po Po Parade The Indy Police have started off the Grand Floral Parade since 1963. They are sponsored by Helen Braamse in honor of her husband, the late Bob Braamse. Photo Courtesy of the Blossomtime Festival 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. TODAY: The Grand Floral Parade steps off at 1:00pm 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 May 18th and 20th from 6:00 PM to 8:00 PM Types of Investments • Mutual Funds • Stocks • Fixed Annuities • Variable Annuities • Fixed Indexed Annuities • Bonds • CDs Pension Plans • 401k • 403b • Simple IRA • 457 Plans • Defined Benefit Plans • In Service Withdrawals • Money Market Accounts Risk and Investing • Market Risk • Business Risk • Interest Rate Risk • Inflation Risk • Time Value of Earnings Risk • Liquidity Risk • Opportunity Risk • Rollover and/or Direct Transfer Options Personal Insurance • Automobile • Homeowners • Renters • Umbrella • Liability Medicare • 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 • Part A, B, C, D Long Term Care Insurance • Will you need it? • How much 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 Transportation to Doctor’s Appointments Available!! 269-985-0700 St. Joseph www.caringpeopleinc.com See Page 6 for more info May 1, 2010 • 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. 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. 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 May 18th and 20th 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 Postal Customer POSTMASTER: Please deliver on May 1, 2010

Moody On The Market

Pat Moody

The debate has been long and loud. The arguments have been strident, impassioned, and about as varied as the number of colors in the largest box of Crayola Crayons available on the open market. Now, however, it is crunch time.<br /> <br /> The St. Joseph Public School District is asking for taxpayers to show up at the polls come Tuesday, and help move the district into the modern era of technology and advancement. The request has turned neighbor against neighbor in some areas, and undoubtedly even pitched husband against wife within some households. The bond request is designed to upgrade and update school facilities across the board. The school board had originally intended to ask voters to approve the millage request more than a yearand- a-half ago, but found themselves in a quandary with the arrival of the global recession. For some folks, that recession is still a very personal issue, finding themselves either without work at all, or perhaps in a whole new career that fails to come close to what they had been earning. For others, the fiscal downturn has ended, and the road to recovery grows stronger every day. A trip to the ballot box is a deeply personal thing, driven by intensely personal feelings. The school board, staff and administration have done everything they can do to convince voters that the requests are extremely real, and critically necessary. Opponents armed with statistics of their own and an answer for virtually any argument have done everything that they can to convince family, friends and neighbors that this is just not worthy of voter support. Invariably the argument arrives that “this is just not the right time for a tax increase.” Sadly, there will never be a “right time,” for some contingent among us.<br /> <br /> For their own intensely personal situations or convictions some will vote “no” this time out, Next time out, or every time out. Some who would vote against the issue now, might very well vote in favor under different circumstances. The only thing that the board and administration can ever do is offer what they know to be right and hope that a majority of the voters concur. If we really, truly, expect the young people of the future to pioneer for remarkable new things, shouldn’t we, if we have the resources available, provide them with the same opportunities that voters provided when we were kids? Regardless of your answer, please show up at the voter’s booth Tuesday, May 4, 2010 and speak your peace.<br /> <br /> The guy who owns City Auto & Tire of Benton Harbor has moved the company back to its birthplace at the corner of 9th and Main Streets in downtown Benton Harbor. Owner Jon Koch has moved his shop back down the street three blocks to its original location at 245<br /> <br /> W. Main Street after selling the building at 510<br /> <br /> W. Main to an unidentified buyer. Koch, who has been in the auto repair business for more than 18 years, first with Downtown Service and then venturing into business for himself back in 2002, returned to his roots last Monday, making the move complete. The good news for his old “new” location is that his growth resulted in construction of a sizable additional building behind his original shop. You can reach Jon at 934-9772.<br /> <br /> Congratulations, Jon and Cindy, best of luck with your growing business, and we’ll eagerly await word on plans for your former location across from Michigan Works!<br /> <br /> Next Saturday, May 8th, is going to be an exciting day for my friend Dave Kirshenbaum and his Southshore Companies of St. Joseph.<br /> <br /> On that day, Dave and his tenants Kinney Cycles, Rothrock’s Masonry & Supply, and Ron Clark Carpet Company will conduct a full scale Grand Opening at the Southshore site at 622 Langley Avenue across from Clementine’s Restaurant. A lot of people drive right by without realizing that there are retail shops in that strip which is set back from the street along Langley, so the crew decided to host this great event from 10am until 2pm next Saturday. It will also be an opportunity to showcase the availability of additional commercial space for lease in that setting. So, whether you’re shopping the merchants or looking for a new home for your business, stop in and enjoy special pricing, gifts and free hot dogs, chips and soft drinks. Dave and his team recently completed a re-zoning process which opens up the space for a variety of commercial uses including retail, wholesale, light assembly, artisans and craftsmen, distribution, storage and similar such uses. Spaces ranging from 1,000 up to 8,000 square feet are available for consideration. Kinney Cycles offers aftermarket parts and accessories for Harley-Davidson and other motorcycles. Rothrock’s Masonry & Supply specializes in manufactured and natural stone with brands like Cultured Stone, Pro Stone and many others. Ron Clark Carpet has been in business since 1965 selling commercial and residential carpeting, and will offer a limited selection of clearance items during the open house. Check it out…and support local business next weekend.<br /> <br /> Coming soon to the Benton Harbor Arts District: Gelato, Sorbetto, Retro Candies and Sodas! It’s true, folks…Water Street Glassworks is just days away from opening up their new Water Street GelatoWorks! GelatoWorks will be a gelateria and gallery located at 138 Water Street, right next door to the glass school in the historic Hinkley Building. The new business will offer Palazzolo’s Artisan Gelato and Sorbetto, created in Fennville, along with retro candy and soda offerings from days gone by.<br /> <br /> GelatoWorks will also be home to the Glasswork’s retail gallery where visitors will find glass and metal artwork created by faculty, adult students and teens in the school’s Fired Up! After-school glass program. GelatoWorks manager Dan Kleinbaum and his assistant Ashley Agler will be joined by six of the Fired Up! Benton Harbor teens who will receive job-skill training in the shop. Grant funding from the St. Joseph-Benton Harbor Rotary Foundation assisted in acquisition of the gelato case. Sounds like a blast…stay tuned!<br /> <br /> Incidentally, the Water Street Glassworks will be transformed in late May into an urban bistro for a delicious “food performance” fundraising event entitled, “Extinguish the Fire: A Glassblower’s Ritual.” Tickets are $75 each and go on sale today. Chef Timothy Sizer and his crew will skillfully prepare the evening’s fare right before your very eyes over molten glass.<br /> <br /> Silent and live auctions of glass artwork will highlight the evening along with an outstanding demonstration by Jerry Catania and his team as they turn off the furnace for the summer. Call 925-5555 to learn more. There are still many enjoyable and worthwhile classes this spring and summer at the Glassworks, and you can find them all online at www.waterstreetglassworks.org. Travelers who have ventured along Red Arrow Highway in recent weeks have been treated to an outstanding and colorful makeover of the former Joe Jackson’s Farm Stand in Sawyer. You’ll be happy to know that Kristin Webber is responsible for that beautiful remodeling job as she gets ready to throw open the gates onto her new Grower’s Junction Fresh Local Produce Center at 12120 Red Arrow Highway, near the entrance to Warren Dunes State Park. Kristin officially opens for business this Thursday, May 6th with a stellar line up of fresh, locally grown fruits, vegetables, and a wide variety of flowers. This is great direct access to the freshest produce grown right here at home.<br /> <br /> You will also find hanging plants and bagged potting soil and a whole lot more in her open market atmosphere. Kristin’s no newcomer to the industry, having logged 18 years in retail perishable sales and five years of wholesale experience. She was assisted in launching her business by the crew at Cornerstone Alliance Small Business Services. You can visit the market 7-days a week from 10am until 6pm. You can also see more online at www.growersjunction.com. If you have dined recently at Papa Vino’s in St. Joe, you might have seen they have a new neighbor on the Washington Avenue side of the house. Beaux Chevaux is the area’s newest luxury hair spa, owned and operated by Stylist Sarah Schilling. The new spa offers contemporary hair, nail and massage services for men and women along with products from Pureology, Moroccan Oil, and American Crew. You’ll be greeted by upscale and edgy décor like what you would expect to encounter in most popular urban salons. Beaux Chevaux features some of the Industry’s hottest equipment including Rollerball hair processors and Freestyle weightless hair dryers. If you’d like a complete list of services or wish to schedule an appointment, dial 982-<br /> <br /> 8050. You’ll find them at 1332 Hilltop Road, Suite H. They are in the house Tuesday and Wednesday from 9am until 6pm, Thursdays from 10am until 8pm, Fridays from 9am until 5pm and Saturdays from 9am until 2pm. They are closed on Sunday and Monday. Welcome, Sarah…and best wishes for your new venture.<br /> <br /> Just around the corner on the Hilltop Avenue side of the house, Brian Waite tells me that his Anytime Fitness Club has just added all new cardio equipment, including treadmills and ellipticals, with individual viewing screens and iPod jacks. As a result, you can now watch cable TV or your own iPod movies while you exercise.<br /> <br /> Additionally, eight new pieces of strength equipment just arrived, giving the gym a whole new look & feel. When you consider all the changes he made in the fall with his expansion, it’s almost a whole new club. Give it a whirl!<br /> <br /> It’s hard to believe, but Keith Hammond is actually going to share some secrets with you on how to make great chocolates like he sells in his<br /> <br /> D. W. Hammond Chocolates & Fudge Shop in Benton Harbor. Candy making classes which will teach you how to make a pound of his ever famous Jumbo Caramel Pecan Turtles are about to begin. Call immediately to 757-7829, because his first class takes place next Tuesday evening, May 4th, from 6:30 until 8:30pm at the shop at 1697 Colfax Avenue just off of Napier.<br /> <br /> Cost of the class is just $35, which includes 2-hours of instruction, a reusable 6-cavity mold, squeeze bottle, and those fabulous turtles. You can also learn more at www.dwhammond.com. I sincerely hope that when I wrote recently about Craig Orlando and his Automotive Electric Service in Benton Harbor you didn’t get the impression that the business had been closed. While he has placed the business up for sale due to personal health issues, the business is still very much open and operating as usual. In fact, his father, Paul Orlando, has emerged from retirement to handle operations for the time being. Paul can be found behind the counter daily, and says he actually still recognizes (and is recognized by) many old customers who have been doing business there for years. Just didn’t want any false impressions or misinformation regarding the business which continues to thrive.<br /> <br /> Next Saturday, May 8th, the Shoreline Garden Club of Stevensville will hold their annual Plant Sale at Lakeshore High School from 9am until noon. They will feature winter hardy perennials along with some vegetable and herb plants along with a limited supply of locally grown houseplants. Proceeds help fund the club service projects and activities.<br /> <br /> A hearty Pancake Breakfast, Bake Sale and Silent Auction to benefit Elysa Price of Coloma is scheduled for next Saturday, as well.<br /> <br /> Stop by Coloma Elementary School from 8am until noon to help this beautiful young 2 year old who suffers from a severe, rare form of epilepsy which requires frequent hospital stays. Donations may be made at all Chemical Bank branches.<br /> <br /> Pat Moody Executive Vice President of Cornerstone Chamber of Commerce pmoody@cstonealliance.org 269-925-6100 ext. 216

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