eMailMax 7/31/2010 : Page 1

Sale Price Effective Monday, Aug 2 through Sunday, Aug 8 of St. Joseph Sale Dates: Aug 1 Thru Aug 7, 2010 This Weekend Visit the 2010Parade of Homes MailMax on page 8 CLASSIFIEDS Pages 18-22 ..Pg 9 Moody on The Market Pat Moody In 2004, my friends Keith and Betty Hettig who own and operate Great Lakes Metal Stamping in Bridgman formed a durable relationship with a German-based manufacturing company by the name of Keiper LLC. That firm supplies more than 55-percent of the seating mechanisms for the European Automotive Market. Great Lakes Metal Stamping supplies high-toler-ance seating mechanisms for the entire automotive industry, and Keiper’s Eldon, Missouri plant took on our local manufac-turer as a key supplier to their industry. Since that time, some half-dozen years ago, the Hettigs and their crew have proven to Keiper that their selection was one of the smartest vendor decisions they had ever made. That’s because the Hettigs and their dedicated team of quality-conscious employ-ees on Rambo Road in Bridgman have made continuous improvements by imple-menting elements of QSB into their operat-ing systems. Since 2006, the Great Lakes crew has successfully reduced their parts-per-million defects and complaints rate annually. Last year, with a delivery volume of nearly 2-million parts for Keiper, Hettig’s team achieved an excellent quality perfor-mance of zero defects in the p-p-m arena. As a result of that flawless performance, Great Lakes Metal Stamping received the Keiper Supplier Award for 2009 in the Quality category at an awards ceremony conducted in Germany. They were the only North American supplier to receive Continued on page 8 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 Wednesday and Thursday August 11th & 12th 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 Wednesday and Thursday August 11th and 12th 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. Your Good News Paper. www.MailMaxOnline.com Vote for Your Favorite Photo Caption Online! visit www.MailMaxOnline.com Fine Feathered Friend This young finch is trading its fur for its feathers. Photo by Michelle Allen For further information on the 2010 Parade of Homes contact the Southwestern Michigan Home Builders Association at (269) 473-5035 Or visit our website at www.SWMHBA.com July 31, 2010 Read all about it inside today’s Postal Customer POSTMASTER: Please deliver on July 31, 2010

Moody On The Market

Pat Moody

In 2004, my friends Keith and Betty Hettig who own and operate Great Lakes Metal Stamping in Bridgman formed a durable relationship with a German-based manufacturing company by the name of Keiper LLC. That firm supplies more than 55-percent of the seating mechanisms for the European Automotive Market. Great Lakes Metal Stamping supplies high-tolerance seating mechanisms for the entire automotive industry, and Keiper’s Eldon, Missouri plant took on our local manufacturer as a key supplier to their industry.<br /> <br /> Since that time, some half-dozen years ago, the Hettigs and their crew have proven to Keiper that their selection was one of the smartest vendor decisions they had ever made. That’s because the Hettigs and their dedicated team of quality-conscious employees on Rambo Road in Bridgman have made continuous improvements by implementing elements of QSB into their operating systems. Since 2006, the Great Lakes crew has successfully reduced their partsper- million defects and complaints rate annually. Last year, with a delivery volume of nearly 2-million parts for Keiper, Hettig’s team achieved an excellent quality performance of zero defects in the p-p-m arena.<br /> <br /> As a result of that flawless performance, Great Lakes Metal Stamping received the Keiper Supplier Award for 2009 in the Quality category at an awards ceremony conducted in Germany. They were the only North American supplier to receive The prestigious award for quality performance.<br /> <br /> Here’s the part I like best about the Hettig family: they reprised the award ceremony just last week at their plant in Bridgman by having the leaders of the German manufacturer present it to the entire team of Great Lakes associates in a special luncheon ceremony on site. They wanted their dedicated team members to know that the outstanding accomplishment would not have been possible without their hard work, dedication and commitment to excellence every day in Bridgman. The company has grown steadily over the years, and now has a plant in Cussetta, Alabama as well. Between the two plants, Keith tells me that they are within 500-miles of 80-percent of the metal manufacturers in the United States. They provide everything from small volume and prototype fabrication to mass production of parts.<br /> <br /> Between the two sites, they maintain 19-press lines along with welding and assembly, and now have more than 100 employees. The company was founded as a one-man operation in 1995. They built their Bridgman plant in 1999 and two years later had outgrown the facility to the point that they had to add onto the facility. They established their presence in Alabama in 2007. Congratulations, Keith and Betty (and crew!)…keep up the great work!<br /> <br /> Ever since she was a little girl, Karri Stauffer of St. Joseph has said she wanted to “make a difference in people’s lives.” Now, as she finalizes her studies under the tutelage of Nurse Jamie Murphy, a Medical Massage Therapist, Karri says, “I have found my passion in life! Through massage therapy, I can make a difference in people’s lives!” Karri and her husband, Robert Stauffer, a Navy veteran of 13-years, are embarking on a new venture having established their new business, Experience Peace Massage Therapy at 422 State Street, Suite B in downtown St. Joseph. They will specialize in therapeutic and relaxation massage and make their talents available 7-days a week, by appointment.<br /> <br /> Rob tells me that they will offer medical massage, couples massage and relaxation massage, incorporating hot-stone methods into every endeavor they provide. Entrance to their suite is from the alley behind the building. Murphy’s training regimen at Reva Salon encompasses 6-months and 600-hours of intensive learning before graduation from the program. The Stauffers are promoting the benefits that massage therapy has to offer including improved circulation, alleviation of muscle aches and pains, enhancement of fitness and sports workouts, combating the negative effects of aging, relief of the effects of stress, and naturally, outright relaxation.<br /> <br /> You can reach the Stauffers for an appointment by calling 269-470-5678.<br /> <br /> Congratulations, folks…welcome to the world of business.<br /> <br /> While the Stauffer family is just getting wheels under their new venture, Diana Graham is celebrating her 1st Anniversary in St. Joseph at About Faces on Lake Shore Drive. Diana is an Aesthetician who is marking the anniversary with the addition of Oncology and Burn Survivor Aesthetic Treatments to her service menu. That program offers cutting edge technology in a highly-specialized environment to assist those recovering from burns, or radiation and chemo therapy treatments. She tells me that the product line she utilizes for that service, Vivant Pharmaceutical Skin Care Products, in concert with her condition specific therapy have a profound effect on the healing time and quality of life for cancer patients and burn survivors. You will find About Faces at the corner of Lake Shore Drive and Howard Avenue, across from Oscar’s Printing.<br /> <br /> The skills and talents of Mark Ficks are drawing regional and even national attention these days. Ficks is the Tennis Director for the South Shore Health & Racquet Club in St. Joseph. Club members and General Manager John Phillips will readily attest to those skills and talents. Now, however, as a certified USPTA Tennis Professional, Ficks has been selected by the United States Tennis Association to be the Head Tennis Coach for Western Michigan’s 12 & Under District Cup Team. He will coach that team in Indianapolis against teams from all over the Midwest. As if that wasn’t high enough honor, this past week Mr. Ficks learned that he has also been chosen to coach at a national level by the USTA. Apparently, he will be spending an entire week at Penn State University at the “Zonals,” coaching the top 12 & under juniors in the entire nation! Mark tells me that based on the reputation of the coaches and candidates eligible for that role, he is extremely excited to learn a great deal and bring that experience back to South Shore to help develop local player talent as well.<br /> <br /> The local club is located at 3630 Tennis Court in St. Joe, and you can learn more at www.sshrc.biz. Nice work, Mark!<br /> <br /> Congratulations…and best of luck!<br /> <br /> If you missed the transformation of Planet Beach in St. Joe, you might not recognize that they have evolved from a tanning salon to a Contempo Spa. Now, owner and operator Nancy Maryniak has added a new Cyber Relax Massage Recliner, and is offering customers the chance to try it out for free during the month of August. The new recliner has eleven healing techniques and nearly 560 different modes that replicate a professional massage. The spa also features convenient, affordable, self-automated spa treatments for total skin care, personal wellness and stress relief. Other services include Saunatox, a two-person Far Infrared de-toxing sauna, Hydro-Derma Fusion deep skin conditioning, cosmetic teeth whitening, mystic spray tanning and more. To arrange for your free visit, call Nancy today at 982-<br /> <br /> 3800. <br /> <br /> The Benton Harbor Arts District will really ratchet things up a notch with their next Art Hop event next Friday, August 6th from 5:30 until 9pm. As a tribute and welcome to The Golf Club at Harbor Shores and their upcoming Grand Opening Champions for Change Tournament, the Art Hop will feature An Evening of PuttPutt Art Style. The grand evening will feature an Art Hop Putt Putt Course running through the district with every venue featuring a different hole to play along with great art, music, food, and naturally a lot of happy people having fun. You can literally start and end at whatever venue you choose. Those participating include The Transformation Center on Main Street, Tabor Hill Wine Tasting & Art Gallery (showcasing Bruce Bigford), Euneek Bakery, The OutCenter, Water Street GelatoWorks, Water Street Glassworks, The Citadel Dance & Music Center, Brammall Supply (showcasing David Wilkinson), Brunson Hill Art House, the Studios at 210 Water Street, Revolution Design, Top Hat Collectibles, Morton House Museum (showcasing the history of Design, Top Hat Collectibles, Morton House Museum (showcasing the history of golf in our area), 6-Degrees Resale Store, Yellow Moon Yoga, and Charlie’s Piggin N Grinnin. As has become tradition, you are encouraged to start and/or end your night at one of the cool places to eat and drink in the District including The Livery, The Ideal Place, Piggin N Grinnin, or Pauly’s. The event is sponsored by the New Territory Arts Association, which is also planning for their upcoming Artoberfest on September 18th.<br /> <br /> Some 26-years ago, The New Buffalo Ship & Shore Festival had its beginnings as a small arts & crafts fair. Now, it has evolved into an annual, 3-day, signature event in downtown New Buffalo, presented by Four Winds Casino and the New Buffalo Business Association. This year’s event is just two weeks away, coming up on August 13th, 14th and 15th. It’s a unique summertime tradition on Whittaker Street, where they close down the road to vehicles but open it up to everyone in the community. Complete with lighted boat parade, Saturday fireworks, food, games and music, it’s a great weekend of fun.<br /> <br /> You can find the entire schedule by logging onto www.newbuffalo.org. Check it out for big fun in Harbor Country.<br /> <br /> St. Joseph Catholic School in Watervliet invites you to join them tomorrow, August 1st, for their 2nd Annual Bike Run and Kids Fun Fair at 188 Lucinda Lane in Watervliet. Motorcycle registration starts at 9:30, the Blessing of the Bikes takes place at 10:25 and the run begins at 10:30 sharp.<br /> <br /> Dinner, the Fun Fair, a DJ and Auction all start at noon, and all proceeds go to the school’s Tuition Assistance Fund. $8-each, $4.00 for 6-12 year olds, 5 & under are free.<br /> <br /> Hope for Julie is a community group formed to raise money to assist Julie Yerington with medical bills from two automobile accidents which resulted in two neckfusions and shoulder surgery. She is paralyzed, and faces medical bills in excess of half-a-million dollars, with the need for continuing care, and additional surgery expected this fall. She got married last month, and will have insurance going forward, but that does nothing for past medical bills. Hope for Julie will hold a benefit next Sunday, August 8th, at the FOP Lodge on Niles Road in St. Joseph from 1 until 6pm. A picnic, children’s games, an auction, live music and raffle prizes will all be offered. In September (9th through 11th) a garage sale will be featured as well. A special bank account has been set up, and gifts made out to Hope for Julie can be mailed to 4768 Pinehurst Lane, St. Joseph. Anything you can do to help the cause is sincerely appreciated by Julie’s family and friends. Thank you.<br /> <br /> That’s it for this week, kids…have a great weekend…and we’ll see you next Saturday right here in MailMax!<br /> <br /> Pat Moody Executive Vice President of Cornerstone Chamber of Commerce pmoody@cstonealliance.org 269-925-6100 ext. 216

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