eMailMax 9/18/2010 : Page 1

of St. Joseph Sale Dates: Sept 19 Thru Sept 25, 2010 Sale Price Effective Monday, Sept 20 through Sunday, Sept 26 PATER NEW CONSTRUCTION • REMODELING • POOLS •DECORATING • LANDSCAPING • DECKS & PATIOS • WALKWAYS & DRIVES • HOME FURNISHING Your Good News Paper. www.MailMaxOnline.com Moody on The Market Pat Moody NOTE FROM PUBLISHER: We apologize for the confu-sion created by the error in Moody on the Market last week. We inadvertently ran a portion of the previous week’s column. When her 5th Anniversary in business rolled around, Tina Buck from The Chocolate Garden had planned to celebrate in a big way. Business by that time was so brisk that she simply ran out of time and the milestone quietly came and went with little fanfare. So, she mentally committed to mark-ing her 10th Anniversary with a big bang event worthy of being remembered forever. That date, too, found her working around the clock to keep up with the ever-increasing demand for her world-renowned, and remarkably silky truffles. Despite her great intentions to take a moment of recognition for the company’s great achievements, that day passed with little more than high-fives among employees. That was two years ago, and now Tina finds herself reflecting on a full dozen years in business having just rolled by anoth-er anniversary literally too busy to do any-thing other than make the world-class treats that have put her on the map in more ways than one. Chocolate Garden Truffles them-selves continue the celebration by accom-plishing great feats. By way of example in a National Taste Test conducted by David Rosengarten, National Food Critic for NBC-Television’s Today Show, Tina’s magic beat out Godiva and 16 other top-ranked chocolatiers across the nation. Her truffles have been highly touted on The Food Network, Fine Living Television, and The Travel Channel. Her story has been told by Elle Magazine, The Chicago Tribune, The Detroit News and many others, and this year Continued on page 8 Vote for Your Favorite Photo Caption Online! visit www.MailMaxOnline.com Summer's Sunset Summer seems to have sailed by this year. Photo by Mark Parren Saint Joseph 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 October 5th and 7th 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 October 5th and 7th 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. September Postal Customer Benton Harbor, MI PERMIT NO.225 PRSRT. STD. U.S. Postage PAID POSTMASTER: Please deliver on September 18, 2010

Moody on The Market

Pat Moody

When her 5th Anniversary in business rolled around, Tina Buck from The Chocolate Garden had planned to celebrate in a big way. Business by that time was so brisk that she simply ran out of time and the milestone quietly came and went with little fanfare. So, she mentally committed to marking her 10th Anniversary with a big bang event worthy of being remembered forever.That date, too, found her working around the clock to keep up with the ever-increasing demand for her world-renowned, and remarkably silky truffles. Despite her great intentions to take a moment of recognition for the company’s great achievements, that day passed with little more than high-fives among employees. That was two years ago, and now Tina finds herself reflecting on a full dozen years in business having just rolled by another anniversary literally too busy to do anything other than make the world-class treats that have put her on the map in more ways than one. Chocolate Garden Truffles themselves continue the celebration by accomplishing great feats. By way of example in a National Taste Test conducted by David Rosengarten, National Food Critic for NBC-Television’s Today Show, Tina’s magic beat out Godiva and 16 other top-ranked chocolatiers across the nation. Her truffles have been highly touted on The Food Network, Fine Living Television, and The Travel Channel. Her story has been told by Elle Magazine, The Chicago Tribune, The Detroit News and many others, and this year Was selected to be The #1 Selection in Midwest Living Magazine’s “Fantasy Box of Chocolates.” Plus, I told you just recently about the recognition she got in The USA Today Travel Section. When she launched the business, Tina only had 6 varieties to offer. She now has twenty offerings plus two seasonal truffles rolled out exclusively for the winter holidays. In her 12 years in business, the Queen of Chocolate has expanded from being a solo operation to a team that includes herself and 10 employees, and she just added two new hires in the past week. Hannah Heuhrmann has been with the company long enough that Tina saw her get married and have two kids in the 10-years she has been on staff. While all of the national and international recognition has been great fun, Tina is most proud that since she launched the business she has raised and donated more than $112-thousand dollars to the Cystic Fibrosis Foundation in search of a cure. So how did it all get started in the first place? After graduating from Michigan State University, Tina was hired by the world’s 5th largest advertising agency in Chicago. Her largest and most prestigious account was the Sara Lee business, which found her routinely in very close proximity to her avowed weakness, a love for all things chocolate. She ended up hand-crafting truffles as holiday gifts for her clients. They were overwhelmed by the quality, and Tina’s experimentation lead to her tripping over the technique which became the magical, well-guarded, secret method with which she produces the soft creamy texture.After 15-years of perfecting her method, she conducted test-marketing and licensed her method in September of 1998. Less than a year later she was in full operation along Friday Road in Coloma, and she’s barely had time to look back ever since. While she continues to “stay half a step ahead of demand,” she is hopeful that by the time her 15th and 20th anniversaries roll around, she’ll actually be able to conduct a celebration worthy of the resounding success she has enjoyed.Congratulations, Tina...and Happy Anniversary!<br /> <br /> Friends and customers of Signal Travel & Tours are finding it necessary to re-wire their brains and re-route their cars to a new home for the business in St. Joseph. The 42-year old travel agency has re-located their local office to the Southtown neighborhood, next to Lambrecht’s Liquors on Niles Avenue. The Niles-based agency had been situated in the heart of downtown St. Joe for decades, but recently downsized the amount of office space necessary to conduct their business. The St. Joe office is one of four in the region. Corporate headquarters can be found in downtown Niles, with other offices in Dowagiac, and at Centennial Place in Granger, Indiana. Owned and operated by Michele Boyd, the agency has been assisting business and leisure travelers in Michigan’s Great Southwest since 1968. The company’s expertise was internationally recognized in 1996 when they were inducted into the American Express Worldwide Travel Hall of Fame.<br /> <br /> Up until this past week, Pizza Hut lovers were able to choose from two sites less than a mile and a half from one another in Benton Harbor. Following the recent expansion of the Pizza Hut WingStreet concept to the company’s M-139 location, however, officials decided it just made common sense to consolidate the two, which has resulted in the closure of the Pizza Hut restaurant at 1620 Mall Drive. The store had been open for 25-years at that location, and all employees have been offered the opportunity to move to any of the company’s other sites in the community, according to Chief Operating Officer John Brinker of Michigan Pizza Hut, Inc. The Pizza Hut WingStreet co-branding is now incorporated into stores in Bridgman, Coloma, St. Joseph, South Haven and Stevensville among others in the region.<br /> <br /> Despite a 500% increase in sales this year, driven in large part by a feature article last March in Time Magazine, St. Joe’s Mike Nadolski is getting out of the KickBike business. Nadolski tells me that his business, Creative eLMNts, Inc. and his endeavors as an agent with Core Real Estate, are his major focal points now, and while he intends to hang onto a few of the bikes for his family, he will sell down the balance of his inventory at about 50% off of retail. After seven years in the business Nadolski is stepping aside, and has less than 30 new and about a dozen demo models of the bikes available for sale. The new inventory includes more than two dozen Yellow City Cruisers still in the box that normally retail for $299 now selling for $199 or $150 for locals. He also has a small lineup of new X-Country models that retail for $389 now selling for $299 or $200 for locals.<br /> Demos sell for $100 to $150 each. You can learn more at www.kickbikemike.com or by calling Mike at 269-861-0055. You can still rent or buy a KickBike through Scooter Joe’s in downtown St. Joseph even after September 30th, when Mike steps aside.<br /> <br /> Keith Granzow has joined the team at Nacho Papa’s Restaurant in Stevensville and tells me that they are installing new hours at the popular eatery. The restaurant is now open seven days a week, and will feature the NFL Ticket so football fans can swing by and check out the action throughout the season. They’ll have lots of beer specials this weekend, as they celebrate the opening weekend of the season. Nacho Papas new hours of operation are Monday through Thursday from 3pm until 9pm, Fridays and Saturdays from 11am until 10pm, and Sundays from noon until 8pm. The bar will stay open as long as they have customers in the house drinking up until 2am.<br /> <br /> Richard Trzupek is swinging open the doors this week onto a new professional employer organization, TriState Payroll at 2950 Niles Avenue in St. Joseph.The firm Offers local businesses the opportunity to take the hassle out of employee-related issues.They are not a temp or staffing agency.Instead they allow you to outsource payroll, workers’ comp, human resources, and employee benefits administration. In effect, they enter with your company into a 3-way relationship between you, your employees and TSP, through establishment of a service fee. In essence, they are willing to take over the laborious stuff to allow you to run your business more effectively. You can reach Richard at 269-408-8791 or learn more at www.tristatepayroll.com. <br /> <br /> A new staple at this summer’s St. Joseph Farmer’s Market has been the arrival of Brian Smith’s Gelatosmith – mobile gelato and sorbetto cart. He will continue to be a part of area events this fall, serving up to 12 flavors of small batch, artisan gelato and sorbetto.<br /> The market continues through the weekend of October 9th, and this weekend Gelatosmith is at Lemon Creek Winery’s Harvest Fest & British Car show from noon until 6pm east of Baroda. He is also available year round to cater weddings, corporate events and more. You can reach Brian at 269- 408-8180.<br /> <br /> Plot your route to the Benton Harbor Arts District for next today’s Artoberfest 2010. Showtime is from noon until 10pm today, Saturday, September 18th with live musical performances, art and artisan beer all day long. Proceeds go to benefit arts education and advocacy in the Benton Harbor community. Microbrews from The Livery, Saugatuck, Arcadia, Founders and New Holland will be on tap, and this great event is filled with music and live performances.Make it a plan, and then make it there for sure.<br /> <br /> Today is also a day of celebration at Lake Township Park on South Gast Road in Bridgman for the 2nd Annual Lake Township Fall Festival. It all gets started with a fireman’s pancake breakfast at 8am and includes a car show, cake walk, corn hole tournament, tug-of-war, disc golf tourney, crafts and farmers markets, kids games, face painting, and naturally, lots of good food and drink. Find more information online at www.lake-township.org. <br /> <br /> The St. Joseph Public Schools Foundation invites you to experience the American Girl Fashion Show, November 13th and 14th, featuring more than 150 local models. The reason I tell you that this early in the game is that you could very well be one of those models. The search is on and you can log in on there website to find more; www.stjosephpublicschoolsfoundation.org.<br /> <br /> A model packet and application can be found there, but the deadline for entry is September 19th! Check it out!<br /> <br /> Friends of the Maud Preston Palenske Library will hold a major used-book sale on October 8th and 9th during the Harvest Festival in downtown St. Joseph. Between now and then, they would appreciate all donations of clean, saleable used books, which can be dropped off in the front entry of the library.Whatever you can do to help is sincerely appreciated.<br /> <br /> Well, kids…that’s all the time and space again this week. See you around town and right here in MailMax next Saturday! Have a great week.

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