The Michigan Banner September 16, 2012 Edition

Volume
9 Number 18
The Michigan Banner First Great Lakes Bay Regional Newspaper
September 16, 2012
Leading in Diversity
Empowering Communities and Changing Lives
AT&T, Mdot And Wayne State Call On Michigan Drivers To Pledge: Never Text And Drive
NAACP - Page 2
Michiganders Urged to Make Commitment on Sept. 19

LANSING- Wireless provider AT&T*, seeking to bring attention to a serious road-safety problem, recently joined with Governor Rick Snyder, the Michigan Department of Transportation and Wayne State University to urge all Michiganders to pledge to stop texting while driving. AT&T, its employees and other supporters are calling on all drivers to go to L-R Sheriff William L. Federspiel Saginaw County and Gavin W. Goetz www.itcanwait.com to take Regional Director-External Affairs, AT&T Michigan the no-texting-and-driving pledge, and then share their promise with others via Twitter (#itcanwait) and Facebook. The pledge effort is part of the companys public awareness campaign aimed directly at stopping the dangerous practice of texting while driving. As part of this nationwide public safety effort, Governor Rick Snyder issued an official proclamation declaring Sept. 19, 2012, Dont Text and Drive Day in Michigan, and electronic highway signs in the state will be set to carry the safety message to drivers. In addition Wayne State University will host its ninth annual Drive Safely to WSU event, highlighting the dangers of distracted driving. We join AT&T, numerous telecommunications providers and safety and law enforcement agencies in the Great Lakes State and throughout the nation to raise awareness of the dangers of texting and driving, the Governor stated in the proclamation. We encourage all drivers to remember that no distraction, including texting, is worth the risk of significant injury or loss of life. More than 100,000 times each year, an automobile crashes and people are injured or die while a driver was texting and driving, according to statistic from the National Safety Council. In addition, a recent AT&T survey found that 97 percent of teens say they know that texting is dangerous. The survey also found: 75 percent of teens surveyed say that texting while driving is common among their friends; Almost all teens (89 percent) expect a reply to a text or email within five minutes or less; SEE P 5, AT&T NEVER TEXT & DRIVE
Gayle Tzemach Lemmon

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Mt. Calvary Missionary Baptist Church Robert Edsel Page 13 3610 Russell Street Saginaw, MI 48601
2012 Fall Revival September 24-26, 2012 Time: 6:45 p.m.
Marcus Beemon Page 22
Rev. Charles Emery Page 31
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The Michigan Banner First Great Lakes Bay Regional Newspaper SAGINAW COUNTY BRANCH NATIONAL ASSOCIATION FOR THE ADVANCEMENT OF COLORED PEOPLE 42ND ANNUAL FREEDOM FUND BANQUET Odail Thorns, Jr. Banquet Chair Leola Wilson, Branch President
September 16, 2012
NAACP: Your Power, Your Decision ~ VOTE!
Sunday, September 23, 2012 Horizons Conference Center 5:00 p.m. Reception 6:00 p.m. - Dinner & Program
Tickets: Adults - $ 60.00 Children 13 and under $ 30.00 For tickets call 989.752.0614
Join us as we honor and pay tribute to individuals and business members of the Saginaw Community who have made outstanding contributions in the fields of education, ministry, law, and civic service leadership
Eric Gilbertson President Saginaw Valley State University
Christine Jones Past President Houghton Jones Neighborhood Task Force
Rev. Dr. Marvin T. Smith Pastor Mt. Olive Missionary Baptist Church
Ronald Spess Retired CEO Saginaw County Youth Protection Council
Act-So Saginaw Winners of the 2012 Afro-Academic Cultural, Technological, and Scientific Olympics (ACT-SO) Competition
Keynote Speaker Hilary O. Shelton NAACP Washington Bureau Director and Senior Vice President for Advocacy
1400 W. Genesee Saginaw, Michigan (989) 753-3475 www.themichiganbanner.com
September 16, 2012
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The Michigan Banner

1400 W. Genesee Saginaw, MI 48602 989.753-3475 publisher@michiganbanner.com Office Hours: Monday Friday 9 a.m. 5 p.m. Publisher Jerome Buckley Senior Editor R. L. Buckley Circulation & Distribution: Staff Marketing & Sales Staff Sales Staff Mission: The Michigan Banner operates and serves as a print and online media venue committed to educating, informing and enlightening our readership regarding events and news that directly and indirectly affect the communities regionally and globally. Furthermore, to serve as a catalyst and a link for cultivating young adults as entrepreneurial and business leaders for the future. Disclaimer: The Michigan Banner and its staff are not responsible and will not be held liable for any mistakes, error, misspellings and false advertisements in part or whole that may be placed within its publication. Articles, information or comments printed in the newspaper are not necessarily the views or beliefs of The Michigan Banner newspaper. The Michigan Banner reserves the right to edit, change, or delete any information, or refuse to print any information, article or advertisement which is believed to be inconsistent with or conflicts with the mission of the newspaper. Deadlines: 2 weeks before each publication date of the 1st and 16th of each month Submission Procedure: Mailed or e-mailed Preferred format: Jpeg or PDF www.themichiganbanner.com Facebook.com/themichiganbanner Twitter.com/MichiganBanner Blog: www.themichiganbanner.wordpress.com Michigan Banner Classified Call 989-753-3475 or go online at themichiganbanner@gmail.com
Saginaw NAACP Honored Heroes Of 2012

The 42nd NAACP Annual Freedom Fund Banquet keynote speaker is Hilary O. Shelton, a native of St. Louis, Missouri. Shelton presently serves as the Director to the NAACPs Washington Bureau/Senior Vice President for Advocacy and Policy, and is responsible for advocating the federal public policy of the Washington Bureau Federal legislative and national public policy division of the over 500,000 member, 2,200 membership unit, national civil rights organization. Shelton has received degrees in political science, communications, and legal studies from Howard University in Washington, D.C., the University of Missouri in St. Louis, and Northeastern University in Boston, Massachusetts, respectively. He is a recipient of numerous awards and recognitions including the National NAACP Medgar W. Evers Award for Excellence, the highest honor awarded to a national professional staff member of the NAACP for outstanding service, sincere dedication, and commitment to the NAACP. Honoree Eric R. Gilbertson is the President of Saginaw Valley State University. He has received numerous awards and recognitions including the 2011 Robert H. Albert Lifetime Community Service Award from Saginaw County Chamber of Commerce. His community involvement includes leadership with Field Neurosciences Institute, the Saginaw Community Affairs committee (Bishops Breakfast) and numerous civic groups. His area of personal interest includes teaching an SVSU course in constitutional law. Honoree Christine Jones is the Past President of Houghton-Jones Neighborhood Task Force. She has received numerous awards including the 2002 National Dorothy Richardson Award for Resident Leadership, and the 2011 Mother of the Year Award from Alpha Kappa Alpha Sorority, Inc., Eta Upsilon Omega Chapter. Her community involvement includes Michigan State Housing Development Authority, MSU extension, Neighborhood Renewal Services, Community Builders Program, Habitat for Humanity, Human Services Collaborate Body, Leadership Saginaw Alumni Association, Vision 20/20 and HOSTS (Help One Student To Succeed) reading tutoring. Honoree Rev. Dr. Marvin T. Smith is the Senior Pastor of Mt. Olive Institutional Missionary Baptist Church in Saginaw. He is the current Vice President at Large of the Wolverine State Baptist Congress of Christian Education. Rev. Smith is a recipient of a 2008 Doctor of Ministry, Gordon-Conwell Theological Seminary of Boston, plus studies at Englands Oxford University. His community involvement includes the Faith Based Lead Paint Poison Prevention Project, First Ward Community Center, United Way of Saginaw County, and Houghton-Jones Neighborhood Task force. Honoree Ron Spess is the retired CEO of Saginaw County Youth Protection Council. His extensive community involvement includes Leadership Saginaw, Saginaw County Consortium of Homeless Assistance Providers, and Family Youth Initiative. The 2012 medalist winners of the NAACPs Afro-Academic, Cultural, Technological and Scientific Olympics will also be honored: Earth & Space Sciences Gold medal winner - Andrea Pugh Mathematics Category Silver medal winner Lauren Ingram Music Instrumental/Classical Bronze medal winner Jordan Drake ACT-SO is a yearlong achievement program designed to recruit, stimulate, and encourage high academic and cultural achievement among African-American high school students. The Saginaw ACT-SO advisors are John Pugh and Canika Robinson.
Editorial ................................................................................................Page 9 Business ..............................................................................................Page 15 Health...................................................................................................Page 20 Faith-Based Directory ..........................................................................Page 29
In This Issue
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September 16, 2012
Memories 2011 NAACP Banquet
September 16, 2012
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FROM Front Page, AT&T NEVER TEXT & DRIVE And 77 percent of teens report seeing their parents text while driving. Our goal is to save lives, and we appreciate the partnership of Governor Snyder and the Department of Transportation in helping to get this message out, said Jim Murray, AT&T Michigan President. AT&Ts It Can Wait public awareness campaign is focused on a simple, powerful message: No text is worth dying for. The effort is comprised of several key initiatives, including: Encouraging its 240,000 employees to take the pledge and, in turn, urge all people to commit that they will never text and drive. On an average day, AT&T retail store and call center employees speak to customers more than 500,000 times. Working with TV and music celebrities to deliver a strong no-texting-while-driving message via TV ads, concerts, public appearances, Twitter and Facebook. Launching an aggressive social media campaign with advertising on Facebook and Twitter to encourage Americans to take the pledge and to share their pledges with their friends via social media. Educating the public using TV ads on the dangers of texting while driving that will run during high-profile events and teen-focused programs. Working to provide a toolkit of no-texting-while-driving information to every high school in the country. Challenging device makers and app developers to work with AT&T so that all devices include a pre-loaded, no-text-and-drive technology solution as soon as possible. Enlisting others including law enforcement, educators, national retailers, consumer safety groups, legislators and the entire wireless industry to join the no-text-and-drive movement. Asking more than 1,000 of AT&Ts strategic and other major suppliers to encourage their employees to pledge not to text and drive. There are far too many distracted drivers on the roads, said Michigan Department of Transportation Director Kirk Steudle. Improving safety for everyone is as easy as keeping your eyes on the road and hands on the wheel at all times. Associate Professor Peter Savolainen of the Wayne State University Transportation Research Group added: The number of lives lost to traffic crashes and distracted driving is unacceptably high. Texting can wait, and we are proud to partner in this effort to encourage drivers to take the pledge to put safety first. AT&T first began its It Can Wait campaign discouraging texting and driving in 2009. The website www.itcanwait.com provides an opportunity to take the dont text and drive pledge. It also offers a host of educational resources and information on the issue including a documentary featuring families impacted by texting and driving accidents that has been viewed more than 3 million times.
Customers can look forward to even faster mobile Internet on the latest LTE devices
AT&T plans to roll out 4G LTE in Detroit by the end of the year, bringing customers the latest generation of wireless network technology and faster mobile Internet speeds. Today, smartphones download fastest on AT&T 4G LTE. Customers will be able to stream, download, upload and game faster than ever before on the latest LTE-compatible smartphones, tablets and devices. Detroit enjoys AT&Ts fast 4G speeds as part of the nations largest 4G network, and our teams will be working hard across the city toward our upcoming 4G LTE launch, said Jim Murray, president of AT&T Michigan. AT&T customers in Detroit can look forward to even faster speeds this year, on our leading lineup of smartphones, tablets and other devices. AT&Ts 4G Network AT&Ts innovation and investment has resulted in the nations largest 4G network, covering 275 million people with ultra-fast speeds and a more consistent user experience. AT&T is the only U.S. service provider to deploy two compatible 4G technologies to deliver more speed to more customers. Our 4G LTE network delivered faster average download speeds than any of our competitors in PCWorlds most recent 13-market speed tests. AT&Ts 4G network also delivers multiple innovations that optimize the network for performance. Our networks radio components are placed close to the antenna at most cell sites, instead of inside the base station, which helps minimize power loss between the base station and antenna and, in turn, improves the performance of our 4G LTE network. The network also is designed with its core elements distributed across the country, which helps reduce latency, or the delay when using the Internet, because your request isnt traveling as far.
AT&T 4G LTE Coming to Detroit in 2012
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September 16, 2012
believe. do.
At AT&T we believe in communities. Thats why we do what we do. Like striving to connect people with good jobs, donating our time and talent, supporting the underserved, and promoting innovative educational programs. Because we believe the power of you creates limitless possibilities for us all.
Thats why we proudly support the Michigan Banner.
2011 AT&T Intellectual Property. All rights reserved.
September 16, 2012
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Hispanic Heritage Month Celebration at Central Michigan University

Each year, many Americans come together to observe the nationwide Hispanic Heritage Month celebration from September 15 to October 15 by celebrating the history, culture and contributions of American citizens whose ancestors came from Spain, Mexico, the Caribbean and Central and South America. The celebration and observation of Hispanic Heritage Month started in 1968 as Hispanic Heritage Week under President Lyndon Johnson and was expanded into a month-long celebration by President Ronald Reagan in 1988 to start and end September 15 and October 15 respectively. Hispanic Heritage Month begins on September 15, the anniversary of independence for five Latin American countriesCosta Rica, El Salvador, Guatemala, Honduras, and Nicaragua. In addition, Mexico declared its independence on September 16, and Chile on September 18. With a theme of Diversity United, Building Americas Future Today, Central Michigan University joins in the celebration by providing a wide variety of speakers, workshops, lectures and events surrounding health and fitness, food, the arts, social justice, careers and more. Some of these events include but are not limited to the following. Zumba Fitness involves dance and aerobic elements that incorporate hip-hop, soca, samba, salsa, merengue, and mambo dance moves. This session of Zumba will be led by former Saginaw resident and CMU Police Officer, Laura Rico on September 20 in the Student Activity Center. This event will take place from 7-8 pm, and is free and open to the public. Taste delicious dishes from Latin American countries like Brazil, Cuba, and Mexico at the annual Hispanic Heritage Month Food Taster. The food taster will take place on September 27 in the Bovee University Center Rotunda from 5:30 7:30 pm. General admission is $5. The CMU Symphony Orchestra will perform an all-Latin American Concert in celebration of Hispanic Heritage Month on September 27 at 8 pm. The concert will take place in the Staples Family Concert Hall and is free and open to the public. Rosa Clemente, a Puerto Rican grassroots organizer, journalist and entrepreneur is scheduled to be the Hispanic Heritage Month keynote speaker on October 8 at 6 pm in the Plachta Auditorium. Clemente is one of this generations most sought after public speakers. Minister Ben Chavis-Muhammad of the HipHop Summit Action Network said of her, Rosa is one of the most inspirational and dynamic speakers of the Hiphop generation. After hearing her speak, you will be inspired to join the movement for social justice. A full calendar of 2012 Hispanic Heritage Month events at Central Michigan University can be found by calling the Multicultural Academic Student Services office at 989-774-3945 or by emailing mass@cmich. edu. All events will take place on the campus of Central Michigan University at the Mount Pleasant campus. Dr. Traci L. Guinn Interim Associate Vice President Office for Institutional Diversity
Diversity
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Join us on Warriner Mall to get to know resources on campus! Registered Student Organizations, departments, offices and local businesses will all be there to share information and free giveaways.
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HISPANIC HERITAGE MONTH
Celebrate the contributions of Hispanic/Latinos in America. Come try delicious Latin cuisine or learn how to salsa dance. Make sure to check out the keynote speaker who will share a unique viewpoint on current events in the United States.
SEPT. 15 THRU OCT. 15, 2012
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Coming Out Week is a time full of celebratory and educational events celebrating the coming out experience of LGBTQ individuals and allies.
COMING OUT WEEK
NATIVE AMERICAN HERITAGE MONTH

Native American Heritage Month offers organized cultural events for the CMU campus and surrounding community which include, speakers, panels, classroom presentations, workshops, and a food taster. November was nationally proclaimed Native American Heritage Month in 1992.
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UNIFIED HOLIDAY CELEBRATION
What holidays do you celebrate? See some of the traditional holidays that CMU students celebrate through songs, dances, and other performances at this annual event.
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MARTIN LUTHER KING JR. DAY
Honor the legacy and work of Dr. Martin Luther King, Jr. at our annual peace brunch. Join us in the afternoon for our annual peace march through CMUs campus where we end in downtown Mount Pleasant for a candlelight vigil.
JANUARY
21, 2013
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African-Americans have contributed a lot to the foundation of our country. Hear about contemporary issues in the African-American community from our keynote speaker, or join us for a little soul food at our annual food taster.
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Many unique and wonderful things come from Asian culture. You could try out a new food or learn a new exercise like yoga or tai chi. Dont forget to see our keynote speaker who will share about current Asian-American issues.
MAR. 15 THRU APR. 15, 2013

PRIDE WEEK
8-12, 2013
CMU POW WOW
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Pride Week is a time for the students, faculty, and staff of CMU to celebrate the LGBTQ community and the diversity within. The week includes guest speakers, education, celebration, and the annual Drag Show.
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The Central Michigan Celebrating Life annual Pow wow is held in the spring of every year to celebrate the new beginning of life and to share Native American culture and traditions with the CMU campus and surrounding community through featured dancers, singers and craft vendors.
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SOUP & SUBSTANCE
Go to: www.cmich.edu/Institutional_diversity.htm to find out how you can help us in our efforts to create an environment of inclusiveness.
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September 16, 2012
Dow Announces New Business Structure

Midland - The Dow Chemical Company (NYSE:DOW) recently announced a new business structure and executive leadership appointments. Effective immediately, the Company will eliminate the current Andrew N. Liveris President, Chairman & Business Division Chief Executive Officer structure and move to a Global Business Unit model that will have business presidents. The business presidents will be fully accountable for generating increased earnings, and the accelerated advancement and execution of the Companys strategy. The business presidents will report to a newly formed Executive Committee of the Company. The Executive Committee will set the overall direction and strategy for Dow, monitor and deliver results, and optimize resource deployment across the businesses. Members of the Executive Committee include: Andrew N. Liveris, chairman and CEO. James R. Fitterling, executive vice president, will have executive oversight of Feedstocks, Performance Plastics, Asia and Latin America. Joe Harlan, executive vice president, will have executive oversight of Chemicals, Energy, and Performance Materials. Howard Ungerleider, executive vice president, will have executive oversight of Advanced Materials, which includes Coatings and Infrastructure Solutions, and Electronic and Functional Materials. Bill Weideman, Chief Financial Officer and executive vice president, will have executive oversight of Finance, Dow AgroSciences, and Corporate Development. To accomplish our strategic objectives and deliver increased results in the next stage of Dows transformation, it will require a different business organization and operating structure than the one that has taken us to where we are today in Dows transformation, said Andrew N. Liveris, Dows chairman and CEO. We continue to adapt our business model to take advantage of the changing dynamics in the global marketplace. Moving forward, we will have less structure at the top of the Company with more deployment and implementation in the markets and out in the field. We will have less centralization and more decentralization. We are putting in place the optimal structure for the next phase of our strategy that will better enable us to intensely focus on our customer and on developing markets around the world. Liveris added, Streamlining our business and leadership structure will result in a more agile, flexible and customer-focused company. We have made steady progress in our businesses and have a tremendous foundation to build on as we advance our strategy and achieve our future vision for Dow. About Dow Dow (NYSE: DOW) combines the power of science and technology to passionately innovate what is essential to human progress. The Company connects chemistry and innovation with the principles of sustainability to help address many of the worlds most challenging problems. Dows diversified industry-leading portfolio of specialty chemical, advanced materials, agrosciences and plastics businesses delivers a broad range of technology-based products and solutions to customers in approximately 160 countries and in high-growth sectors. In 2011, Dow had annual sales of $60 billion and employed approximately 52,000 people worldwide. The Companys more than 5,000 products are manufactured at 197 sites in 36 countries across the globe. References to Dow or the Company refer to The Dow Chemical Company and its consolidated subsidiaries unless otherwise expressly noted. More information about Dow can be found at www.dow.com.
Dow Solutions
Agricultural
As the worlds population grows, so does the need for sustainablygrown, nutritious food. At Dow, we work in partnership with our customers to meet these new demands starting with scientific and technological solutions that make cropcultivation more profitable, productive and responsible. Pulling from diverse capabilities, Dows agricultural advances deliver higher yields, better varieties, more nutritious plants, and more effective pest controlall with a smaller environmental impact.
September 16, 2012
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Editorial
Sister Ardeth Platte and Sister Carol Gilbert Continue Anti-Nuke Protests
didnt seem to understand) that most black people are just as fearfully conservative as white people in this regard. It seemed her frustration may have driven her fulltime away from City Council urban affairs and into the peace movement, where there rarely are internal clashes among the participants. I support the anti-nuke protesters. Im not a pacifist; I remember one time asking Sister Ardeth if she would still be a pacifist if someone killed a loved one in her family, and she really couldnt answer. Im not opposed to my country having nukes for self-protection, but for sure we do not need such a ridiculous amount of them. And the peaceniks, a group of gentle souls, have long learned that the only way to get any public attention is to break the law. The 82-year-old nun, Sister Meagan Rice of Nevada, was joined by 63-and 57-year old male accomplices. To my amusement, news reports made it sound like the threesome of older scolders presented a major threat to national security. We were assured that all nuclear material is safe. But like Sister Ardeth and Sister Carol, the trio was not trying to seize nuclear material. They were satisfied with singing some hymns, holding biblical plowshares signs, and spray-painting symbolic red blood. Why do nation-states require capacity to blow up the world over and over? The Arms Control Association reports that Russia possesses 5,500 warheads and the U.S. has 5,000. Whats the difference? Would we feel safer by matching the 5,500? Why, currently, are so many Americans freaking out over possible cuts in the defense budget? All these nukes dont come cheap. Next in line is France at 300, China at 240, the United Kingdom at 160, and Israel, India and Pakistan in the 100 range. North Korea has potential for 10 if it could get its science together. And were so worried about Iran getting just one of these things? Personally and self-sadly, Ive been a true fatalist on this subject for all of my adult life. I ask why God, or the creator, would give us a world in which microscopic particles can be unleashed in such a way. Consider the World War II explosions at Hiroshima and Nagasaki in 1945, and then consider how frighteningly far the technology has come in the subsequent 67 years. Nuclear disaster sometime seems inevitable. At some point, who knows how and where, a suicidal madman will get control of some nukes, and then..... If there is any hope, the United States must take the lead. If the U.S. were to disarm from 5,000 nukes to lets say 500 (Id go for 50), would that make any rival nations less afraid? This could be a starting point.
By Mike Thompson For The Michigan Banner At the start of August, there were TV reports of three peace activists who protested nuclear weapons madness by breaking into the Y-12 National Security Complex in Oak Ridge, Tenn., which stores and processes uranium for the U.S. arsenal. Reports stated that the ringleader was an 82-year-old Catholic nun, and my first thought was, Could this be Saginaws own Sister Ardeth Platte, the former City Council member from the post-civil rights era? Immediate research indicated that this was not Sister Ardeth, whos still in her middle 70s, but it might as well have been. In fact, Sister Ardeth remains in Baltimore, and she shows up on the internet in September of last year for a suspended jail sentence, four months served, for joining an anti-nuke demonstration at the same Oak Ridge facility. Another of the protesters was Sister Ardeths former Saginaw teammate, Sister Carol Gilbert, who now is in her middle 60s. Sister Ardeth and Sister Carol are good people. Ardeth had some troubles back around 1980 when she unsuccessfully aimed to convert the black community surrounding St. Joseph church into her pacifist thought, through creation of a criminal parolees center that would have saved the old high school. From the resulting opposition she learned (but
515 N. Washington Ave., 2nd Floor Saginaw, MI 48607 P: 989.752.7161 F: 989.752.9055 www.saginawchamber.org info@saginawchamber.org
Television could perform a great service in mass education, but theres no indication its sponsors have anything like this on their minds. -Tallulah Bankhead (19031968), U.S. actress.
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September 16, 2012
Senator Kahn on Measure to Reform School Employee Retirement System

LANSING Following Gov. Rick Snyders signing of Senate Bill 1040 (a measure to reform the Michigan Public School Employees Retirement System) into law recently, sponsor Sen. Roger Kahn, R-Saginaw Township, offered the following comments: This is a good day for students, teachers and administrators in Michigan. It is also a good day for all the people of this beautiful state. Senate Bill 1040 markedly improves the financial health and security of MPSERS, the retiree benefit system for Michigans teachers. With his signature Governor Snyder will reduce the unfunded liabilities of MPSERS from 45 to 30 billion dollars. Nowhere else in the United States has real pension reform been achieved. districts, adds security to retiree health care, and modernizes the pension system. I am honored to have authored this bill, but it should be noted that it is the work product of a team of senators and representatives with the help of our staff and the administration. Senate Bill 1040 is not the end of school or financial reform in Michigan. It is not even the end of the beginning. It is only a start. Within this bill is authority for a study to further look at the costs of retirement and school finances and we expect to have that information by November 15, at which point we will look to further strengthen our L R - Sen. Roger Kahn, R-Saginaw Township schools. This is fitting and proper, as they are and Gov. Rick Snyder following Senate Bill 1040 the repository of Michigans most precious Signing resource: our children and their minds. With In addition to these savings, Senate Gods help we can do more. Bill 1040 caps the liabilities of our school
Defense and Offense Matter in Football, and in Preventing Improper Payments

By Cynthia W. Edwards Social Security Public Affairs Specialist Flint - Making proper Social Security and Supplemental Security Income (SSI) payments is no game. But improving our accuracy has some similarities to a good football strategy. Youve got to be strong on both defense and offense. Social Security is committed to reducing improper payments. Our goal has always been to pay the right person the right amount at the right time. And were highly successful at doing that. In paying retirement, survivors, and disability benefits to more than 55 million people each month, our accuracy rate is over 99 percent. When it comes to Supplemental Security Income the means-tested program for elderly, disabled and blind people who have limited income and resources our payment accuracy is about 91 percent. As with a good game of football, we need a game plan to improve payment accuracy. Here is ours: On offense, we check and recheck our benefit computations and recipient information. Thats done at kickoff, before we ever make a payment. On defense, we have game plans, or strategies, to collect funds back from the person we improperly paid, especially if the error was the result of a beneficiary failing or incorrectly reporting an event that affects his or her payment amount. When an individual commits fraud in order to receive payments not due, we prosecute him or her to the fullest extent of the law. We will continue to work on offense and defense in our efforts to perfect our game plan and to make each and every payment a touchdown. Learn more about what Social Security is doing to prevent improper payments by visiting our website on the subject at www.socialsecurity.gov/ improperpayments.
Pure Michigan Opportunity: Great Lakes Bay Networking Fair

The Pure Michigan Opportunity: GREAT LAKES BAY agenda will feature a unique career networking opportunity that will enable your company to connect one-on-one with degreed and young professionals from all over Michigan at the Pure Michigan Opportunity Great Lakes Bay Networking Fair, on September 28, 10 a.m. 11:30 a.m., at Apple Mountain Resort & Conference Center, 4519 N. River Road, in Freeland. The registration fee is $150. For additional information contact Michelle at 989.757.2113.
September 16, 2012
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September 16, 2012
Kalamazoo Promise Chief Delivers Impactful News

Dr. Janice Brown, Executive Director of the Kalamazoo Promise, was nothing short of inspiring at the 2ndAnnual Saginaw Promise Campaign Kick-Off Breakfast on August 29th. Expressing in no uncertain terms why the scholarship program is crucial to her community, the former school superintendent shared that the Promise had an immediate impact on reversing the decline of student and family attrition, increasing the graduation rate, and in changing expectations for students. We needed to change the culture, she stated when referring to initial conversations that prompted millionaire donors to support the program. Seven years later, the Promise can show evidence that they have done just that...change the culture. Brown cited a 20% reduction in juvenile crime since the start of the program and a student population growth of 25% following 20 years of continuous decline prior to 2005.
Bay Citys Pedal to the Park During Michigan Trails Week

The Department of Natural Resources encourages midMichigan families to explore the natural treasures found within Bay City State Recreation Area during Michigan Trails Week (Sept. 23-29) by participating in the Pedal to the Park trail ride taking place on Saturday, Sept. 29. Registration and guided trail rides will begin from 8:30 to 10:30 a.m. on Saturday at the Veterans Memorial Parks tennis courts in downtown Bay City. The Pedal to the Park trail ride is a 7.5-mile trek to Bay City State Recreation Areas Tobico Marsh following Bangor Townships paved rail-trail, which links the Bay City River Walk to the state parks Andersen Nature Trail. Riders will be able to take a break along the way at several optional information stations highlighting a different outdoor recreation activity presented by local outdoor outfitters and organizations. Participants can earn free Junior Ranger patches by having their Pedal Passport stamped at these rest stations. Souvenir water bottles will be distributed to the first 125 participants. Bicycle helmets are highly recommended. Michigan Trails Week is sponsored by the DNR, Michigan Recreation and Park Association and the Michigan Trails and Greenways Alliance, and will feature multiple events and activities throughout Michigan during its first celebration of the states motorized, non-motorized and water trails. Register for the ride the day of the event under the Friends of Bay City State Recreation Areas blue canopy at Veterans Memorial Parks tennis court parking area. For details, call or stop by the Saginaw Bay Visitor Center, located inside Bay City State Recreation Area, or call 989-667-0717.
Reading, Writing and Math Clinics at SVSU This Fall

The Saginaw Valley State University College of Education is offering clinics in reading, writing and mathematics this fall. Beginning Monday, September 24, students entering kindergarten through 12th grade and adult learners will have an opportunity for focused tutoring sessions. Students will be tutored in one-on-one or small group instruction by instructors who hold degrees appropriate to the subject matter. The sessions are 50 minutes once a week for 12 weeks on Mondays through Dec. 10 at 4, 5 or 6 p.m. The cost for the clinics is $325 for new students; individuals may enroll in multiple sessions if they so choose. Clinic participants will be assessed on their abilities before and after the program, giving them and their parents a chance to see and understand the specific areas of need and progress. Each participant must receive a pre-assessment; a $50 deposit is due at that time. Assessments will be held Monday, Sept. 17 and Tuesday, September 18 at 4, 5 or 6 p.m.; parents will receive a learning plan based on the results. Those interested in attending should call ahead to reserve a time. For additional information, contact Laurie Ann Haney, SVSU assistant director of the Literacy Center, at (989) 964-4982 or lahaney@svsu.edu.
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Worlds Difficult Decisions Explored in SVSU Lecture Series

A lecture series this fall at Saginaw Valley State University will explore some of societys most vital decisions, in topics ranging from global affairs and genetic engineering to economic revitalization. The 2012 Fall Focus series, Roles and Responsibilities: Ethical Responses to Revolutionary Change, will ask renowned thinkers to examine how to wisely respond to difficult issues in times of great uncertainty. Eight speakers - leaders, experts and authors - will frame knotty issues with unique perspectives and explore world problems through a lens of ethics and consequence. The series comprises presentations from Dow Visiting Scholars and Artists, the Edwards Lecture, the ONeill Memorial Lecture and the 10th annual HoffmanWillertz Lecture. Thursday, Sept. 27 at 7 p.m. John W. Limbert America and Iran: Endless Enemies? Malcolm Field Theatre for Performing Arts The series opens Thursday, Sept. 27 with Iran expert John Limbert in a talk called America and Iran: Endless Enemies? Tuesday, Oct. 2 at 7 p.m. Catherine Tumber The Life and Death of Americas Smaller Industrial Cities Malcolm Field Theatre for Performing Arts In the late 20th century, small industrial cities like Flint, Mich., fell on hard times. Yet according to journalist Catherine Tumber, an age of global warming may improve these cities fortunes. Tuesday, Oct. 9 at 7 p.m. Arthur Caplan Bioethics: Just Because We Can, Should We? Rhea Miller Recital Hall Should you eat genetically modified foods? Should we experiment with genetics at all? Wednesday, Oct. 17 at 7 p.m. Gayle Tzemach Lemmon - The Dressmaker of Khair Khana Malcolm Field Theatre for Performing Arts In places like Afghanistan, women are unsung heroes of business. In her talk, journalist and New York Times bestselling author Gayle Tzemach Lemmon will speak about the critical role that female entrepreneurs play in war-torn regions and emerging markets. Thursday, Oct. 25 at 7 p.m. Robert Edsel The Monuments Men: Allied Heroes, Nazi Thieves and the Greatest Treasure Hunt in History Malcolm Field Theatre for Performing Arts In the face of revolutionary change, sometimes the most valiant act is preservation. In the ninth annual James E. ONeill Jr. Memorial Lecture, writer Robert Edsel will tell the story of the Monuments Men, a group of art lovers who chased down great works stolen by Nazis during World War II and saved them from ultimate destruction. This event is co-sponsored by the Field Neurosciences Institute and the Dow Visiting Scholars & Artists Program. Monday, Oct. 29 at 7 p.m. Kwame Anthony Appiah - The Honor Code: How Moral Revolutions Happen Rhea Miller Recital Hall What does it take to transform moral understanding into moral behavior? Thats the question being posed by one of Americas leading intellectuals, Princeton University professor Kwame Anthony Appiah. Wednesday, Nov. 7 at 7 p.m. Carma Hinton History in Images: The Making of Gate of Heavenly Peace Rhea Miller Recital Hall In this illuminating talk, award-winning director Carma Hinton will recount one of her most challenging projects: a film about the Tiananmen Square protests of 1989. Wednesday, Nov. 14 at 7 p.m. Jules Gehrke The Dilemmas of a New Era: Collectivism and Individualism in the Victorian City Founders Hall In the concluding presentation of the series, SVSU associate professor of history Jules Gehrke will give the 10th annual Hoffman-Willertz Lecture. With it, Gehrke will explore one moment in 20th-century British history and examine its lessons for the political and economic situation faced by the United States today. SEE P 14, Worlds Difficult Decision Lectures
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The Michigan Banner First Great Lakes Bay Regional Newspaper CONGRATULATIONS TO THE MICHIGAN BANNER FOR 9 YEARS OF GREAT ACHIEVEMENTS! Angelia Williams, Saginaw, Michigan If you want to travel fast, you travel alone, if you want to go far, travel with others. African Proverb
September 16, 2012
Reels at Roethke
From book to movie is a common theme in our culture. And on the night of Thursday, Sept. 20, 6:30 p.m., at 1805 Gratiot, Saginaw will join in on that legacy with the premiere of a film titled B.F.A., based on the novel American Poet. OK, granted, its kinda a miniature book-to-movie project. Written by Midland resident Jeff Vande Zande, American Poet is a mere 152-pager. A quick read. And his screenplay adaptation from it runs only 10 minutes -- making it a short subject rather than a feature -- and covers only one SCENE in the book. But still, film fans may find the evening fun since it also includes music by Brett Mitchell, who wrote the songs for the short. And Vande Zande and filmmaker Jim Gleason, both on the faculty at Delta College, will answer questions about the process (creative writing, adapting a book into a screenplay, filmmaking) as well as provide information about Deltas digital film production program. My book is about a young poet who moves back to Saginaw and finds himself on a mission to save the Theodore Roethke House, says Vande Zande, also a poet as well as novelist. Of course, before he can save the house, he needs to find a job. Admission to Reels at Roethke is by freewill offering. But since seating is limited, e-mail info@roethkehouse.org to reserve a space. Refreshments will be for sale as well as Vande Zandes book and Roethke-themed items.
The Michigan Banner /ShanToria Harris, Media Intern YEAR ( Youth Employment and Recreation) Youth in Employment Training A grant received by Disability Network of Mid-Michigan from the Michigan Department of Natural Resources and the Michigan Economic Development Corporation providing employment training for the youth in Saginaw.
FROM P 13, Worlds Difficult Decision Lectures The Hoffman-Wilertz Memorial Lecture is named for the late Bill Hoffman and John Willertz, who are credited as the founding members of the history department at SVSU, and who together accounted for more than 60 years of dedicated service. The annual lecture rotates among history faculty at SVSU. For more information on the Fall Focus lecture series, visit www. svsu.edu/fallfocus.
September 16, 2012
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Business & Financial

SBA Hosts Three Part Financial Series for Business Owners
The Detroit Regional Chamber, Small Business Administration and the Small Business & Technology Development Center are pleased to present Financing 101: Taking the Mystery out of Small Business Financing! Team SBA Financing Roundtable October 3, 9 a.m. to noon If you are starting a or expanding a business and need financing, this forum gives small business owners insight into SBAs loan guaranty programs and the criteria used by loan officers to evaluate a loan request. A team of experts will demystify the lending process, debunk the myths about SBA programs, and share real life examples of successful loan applicants. The roundtable is taught by experienced lenders with expertise in small business and SBA financing. This forum is best suited for those who have good history, money to invest in your business and a solid business idea. No Fee. Fiscal Fitness October 10, 9:00 a.m. to Noon Fiscal Fitness is designed to help business owners understand their companys financial position in order to mitigate risks, overcome challenges, and ensure a fiscally sound future. If you have at least two years of financial history, want to improve cash flow and explore outside funding, you are the ideal candidate for Fiscal Fitness! Topics include: how to use your balance sheet and income statement in managing your business, use breakeven analysis to improve decisionmaking, find the source of cash flow problems, increase your companys cash flow and get your banker on your side. Fee: $25.00 Location for All Events Macomb Velocity Center 6633 18 Mile Road Sterling Heights, MI 48314 To Register: Call 586-469-5118 Visit: www.misbtdc.org/training 1400 W. Genesee Saginaw, Michigan (989) 753-3475 www.themichiganbanner.com
YOUR ECONOMIC DEVELOPMENT SOURCE From Renewable Energy and Advanced Manufacturing to Medical Technolgy and Professional Services, Saginaw Future Inc. (SFI) is in the business of generating new investment and job growth in Saginaw County, MI, USA. Established in 1992, Saginaw Future is a private, nonprot alliance of local businesses, the Saginaw County Chamber of Commerce, the County and City of Saginaw, 14 local municipalities, labor organizations and local foundations. Our services are designed to aid existing businesses and those locating in Saginaw County. SFI can assist your company in limiting the cost of new investment by identifying and pursuing nancing and incentive packages. If you are looking for available industrial land or buildings, we can help assess your requirements and identify appropriate sites in Saginaw County. We prepare sites for industrial development like the shovel ready Great Lakes Tech Park! SFI can also help you understand and take advantage of government contracting opportunities. and help resolve issues that limit growth. We seek to build win-win opportunities for business and communities.
CONTACT US WITH YOUR PROJECT Saginaw Future Inc. 989-754-8222 info@SaginawFuture.com www.SaginawFuture.com
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Authors W. James Richardson 1356 Woodside Street Saginaw, MI 988-753-0233 www.wjamesrichardson.com Auto 2 Fresh Detail Kenny Jackson 300 N. Niagara Street Saginaw, MI 48602 989-239-7012 Labadie Olds 711 S. Euclid Bay City, MI 48706 Terry Reed Sales Professional 989-667-2000 Ext. 341 Direct 989-460-0341 Fax 989-667-0103 E-mail terry.reed@labadieauto.com Website www.labadieauto.com McDonald Pontiac-GMC, Inc. 5155 State Street Saginaw, MI 48603 Leon V. Washington Sales & Leasing Professional 989-790-5155 Leonwa1@yahoo.com Saginaw Valley Ford Lincoln Gil Johnson, President 4201 Bay Road Saginaw, MI 48603 989.792.1700 1.800.479.8651 Bakeries Lighthouse Bakery 285 S. Outer Drive Saginaw, MI 989-754-7088 Fax 989-754-7099 Banquet Facilities Rowan - West Facility 1400 W. Genesee Saginaw, Michigan 989-753-3475 Beauty Illusions Beauty Salon Valerie King Owner/Operator 1400 W. Genesee Street Saginaw, Michigan 989-755-2666/989-755-3883 LocAccents Tonita Lawson Sisterlocks Consultant 6327 Laurentian Ct. Flint, MI 48532 810-240-9665 www.LocAccents.Blogspot.com www.Sisterlocks.com
Business Directory
Reflection of U Too 2103 Sheridan Ave. Saginaw, Michigan 989-753-4600 Sports Barbershop 1400 W. Genesee Saginaw, Michigan 989-992-2600 Unique Cuts & Massage 1502 Court Street Saginaw, MI 48602 989-327-2338 Unique Cuts II 3125 E. Holland Saginaw, MI 48601 989-327-2338 Business Solutions The Growth Coach Cal Talley, Owner 293 Provincial Ct. #78 989-401-6229 C.Talley@The GrowthCoach.com www.The GrowthCoach.com Carrollton Public Schools Craig C. Douglas Superintendent P.O. Box 517 Carrollton, MI 48724 (989) 754-1475 Fax (989) 754-1470 Direct Dial (989) 399-8860 cdouglas@carrollton.k12.mi.us Cleaning Services Extreme Carpet & Upholstery William & Denise Murphy - Owners Commercial & Residential Janitorial Services 989-753-3335 Community Centers and Services First Ward Community Services Sheilda Braddock President/CEO Human Services 1410 N. 12th Street Saginaw, Michigan 989-753-0411 Computers Creative Computers Lathan Wilson (Buddy) 817 East Genesee Saginaw, MI 48607 989-755-9290
September 16, 2012
Dentists Jack W. Nash, DDS Cosmetic and Restorative Dentistry 1320 S. Washington Ave. Saginaw, Michigan 48601 989-752-1200 Fashion Where Did U Get That Hat? Specialize in Custom Designs Sundays Best Yvonne Ellison/Milliner Phone 989-529-4193 E-mail: yeellison@aol.com
Restaurants Brother Arthurs Fish & More 2522 E. Genesee Saginaw, MI 989-752-0200 Rite Spot 1205 Lapeer Saginaw, MI 48601 989-754-6001 Savoy Bar & Grill 127 S. Franklin Street Saginaw, MI 48607 989.754.9660 Retailers GREEKS R US 2203 E. Genesee Saginaw, MI 48601 989-755-4925 riggins52@charter.net Kennys Clothes 310 Johnson St. Saginaw, MI 989-753-4552 Cell 989-239-2732 championkenny@yahoo.com Shoe Repair Morgans Shoe Repair 308 Federal Ave. Saginaw, MI 48607 989-754-6155 Tailors Executive Tailoring Christopher E. Eddington Master Tailor 418 Court Street Saginaw, MI 48602 989-791-0037 chrissgnw@aol.com 24 hour service Tax Services Robert McDuffy Tax & Accounting Service/ERO e-file 2127 Ledyard Saginaw, MI 48601 Business - 989-443-0115 Fax 989-752-1467 rmcduffy@aol.com Transportation McFadden Charter Service, LLC Howard McFadden 1200 E. Moore Rd. Saginaw, Michigan 989-777-7038 / 989-751-1461 Howard bigmac@charter.net
Financial Odail Thorns, Director of Development Saginaw Economic Development Corporation 1315 S. Washington Ave., Rm 207 Saginaw, MI 48601 989-759-1395 Food & Dining Spencers Route 46 Spence Dambro Proprietor 5530 Gratiot 989-793-3400 Saginaw, MI 48638 www.spencersfinefood.com Graphics/Digital TBF Graphics Digital 803 S. Washington Ave. Saginaw, Michigan 989-752-5540 TBFGRAPHICS.COM TBFDIGITAL.COM Heating and Cooling HORIZON Azola Williams 989-755-8650 Business 989-233-3295 Cell Photography Quality Photo 124 N. Michigan Saginaw, MI 48602 989-790-8130 Publications David Hall Crimiel Publications LLC POB 20061 Saginaw, Michigan 48602 REAlTORS Century 21 Rose Chandler, Realtor 5580 State Street, Suite 4 Saginaw, Michigan 48603 989.921.7000 office 989.921.7001 fax 989.753.5796 home office Rchandlerc21@aol.com 989.928.5501 cell
September 16, 2012
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EARN MORE, WORK LESS, ENJOY LIFE

By Cal Talley President/CEO The Growth Coach Great Lakes Bay Region
How to Gain Greater Freedom & Fortune
After interacting with business owners over the years, we have learned with absolute clarity that your goal as a business owner should be to design a company that is distinct from you and quite candidly, works in your absence. You should create a separate cash flow entity, not merely a job for yourself. It should pay you a healthy salary plus a return on your investment of money, time and effort. You should build equity! You should build wealth! Bottom line, your role should be to shape, manage and grow this independent and enduring asset your business. Your enterprise should function without you, not because of you. I know this sounds bizarre, but hear me out. While you can be the brains behind the enterprise, you should not be like Hercules trying to hold up the entire weight of the company! You will be crushed! Your business should work harder so you dont have to. You should be able to make money every day without having to work every day. You should invest more brain equity and leadership equity and much less sweat equity into your company. Your business should be a product of your brain, not your brawn. You should strive to build a business that does not enslave you and does not rely on your being present every minute of every day doing all the thinking, deciding, worrying, and working. You must adopt a new way of thinking and acting. You must become a strategic business owner. Specifically, you must learn to adopt a CEO mindset; systematize and document your business; lead more and work less; create a simple business plan; utilize the leverage of marketing; effectively manage your greatest
asset, your people; and managers on a life-changing process: learn to let go. In short, Step one: Learn to work on yourself by you must transform the transitioning to a new way of thinking and way you see yourself behaving. Re-program yourself and your and your business. habits. Stop acting like an employee and As a strategic business owner, your primary start thinking like a CEO. Learn to work on aim should be to develop a self-managing your business, not in your business. Adopt and systems-oriented business that still runs the theory of optimization. Be strategic, not consistently, predictably, smoothly, and tactical; work less, lead more! profitably while you are not there. You should Step two: Systematize your company shape and own the business system (again, by creating, documenting and continually an integrated web of processes) and employ improving all your key processes, procedures competent and caring employees to operate and policies. Trust the business system the system. You should document the work and personnel you put in place and remove of your business so that you can effectively yourself from the companys daily details. Be train others to execute the work. You must more hands-off and more brains-on. Replace make yourself replaceable in the technical yourself with other people. Define and trenches of your business. To repeat, define document the work to be done. Train others and document the specific work to be done and delegate the work. This operating system and then train and delegate. This is how you is your foundation for freedom. begin successfully to beat the blues, escape Step three: Increase your leadership death by details, and gain greater freedom. capabilities. Excel at leadership, not doerWith a documented operating system, ship. Your business needs a clear vision and your employees should be able to carry on strong leader to hold others accountable, not the work of the business while you focus on another employee doing technical work. Help big picture priorities or God forbid, decide to build and direct your team. take a break. You should be able to escape the Step four: Develop clarity of direction daily drudgery. In fact, your company should for your business and employees by creating run on autopilot status even while youre on a simple business plan and an effective an extended, work-free, guilt-free vacation. implementation process. If it does, you will have designed and built Step five: Learn to effectively manage a business that truly works and is worth a your people, your greatest asset. fortune. More importantly, in the process, you Step six: instead of incremental growth, will have gained back a personal life that is engage the leverage of marketing to achieve fulfilling. substantial, profitable growth. To maintain freedom, independence and Step seven: Learn to let go, delegate, fulfillment, as your business grows, so must and truly enjoy business ownership, your your leadership effectiveness and operating relationships, and your life. systems. You must stop micromanaging and By working less in your business, you gain start leading (macro managing). You must more time to work on your business and make become more purposeful and proactive. those essential changes necessary to optimize Specifically, we take business owners and SEE P 19, Earn More
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September 16, 2012
STANDARD LOAN GUIDELINES FOR ALL LOANS
ACCEPTABLE PROPERTY TYPES

Apartment (5-20 Units) Apartment (21+ Units) Auto Services Bed & Breakfast Campground / RV Park Carwash Church Condo Conversion Convenience Store with Gas Day Care Center Dry Cleaner Educational Center Equipment Financing Funeral Home Gas Station Golf Course Health Care / Assisted Living Hospital Hotel Condo Hotel / Motel Investment Condo Laundromat Light Industrial Mixed Use Mobile Home Park Multi Family (2-4 Units) Multi Family (5+ Units) Office Office Condo Parking Garage Restaurant Retail Rooming House Self Storage Single Family Residence Townhome / Residential Condo Warehouse
LOAN to VALUES:
65-75% LTV all Properties 80% LTV for Multi-Family Purchases in Tier I & Tier II areas Only
Advocacy Issues Updated, Expanded Frequently Asked Questions

WASHINGTON, D.C. How much do you know about American small businesses? Did you know, for example, that there are 27.9 million small firms, and that about half of all new establishments survive at least five years? In keeping with its mission to examine the contributions of small businesses to the U.S. economy, the Office of Advocacy has expanded and redesigned its most requested publication, Frequently Asked Questions About Small Business (FAQ). The new edition includes twice as much data as previous versions, as well as charts and tables showing key small business statistics and trends. Advocacys team of economists is constantly on the lookout for new and robust sources of statistics, while continuing to follow the trends evident in the governments ongoing databases, said Chief Counsel for Advocacy Winslow Sargeant. Were pleased to provide timely and actionable data on the key questions asked by small business people, policymakers, and the media. Many key small business statistics remain virtual constants small firms constitute 99.7 percent of U.S. employer firms, 64 percent of net new private sector jobs, about half (49.2 percent) of private sector employment, 42.9 percent of private sector payroll, 46 percent of private sector output, 43 percent of high-tech employment, 98 percent of goods exporting firms, and one-third of exporting value. The new FAQ includes data reflecting the numbers of new and small firms, their types, shares of net new jobs, and ownership by minorities, women, veterans, and youth. There are figures showing employment levels and survival rates by firm birth year, startups and closures, business churn, and companies legal forms of organization. The FAQ also answers questions about home-based businesses, franchises, small business innovation, financing, procurement, and effective tax rates. For more information, visit the Office of Advocacy website at www.sba.gov/advocacy/7495.
INTEREST RATES:
3.75 6% Interest Average 8.99 11% Bridge Loans/Hard Money
PREPAYMENT PENALTY:
5% Declining; 5% 1st yr., 4% 2nd yr., 3% 3rd yr., 2% 4th yr., 1% 5th yr.
TERMS:
5, 7 and 10 year Terms
AMORTIZATION:
25-30 years
ASSET BASED:
No Personal Guarantee Must close in LLC. Non-Credit Score Driven
E AC H L O AN M U S T Q U AL I F Y O N I T S OWN MERIT Thomas A. Baker Sr. Vice President 248-289-3020 tbaker@seniorcommercialcapital.com
Account Executive
Get to Know Your Chamber Ambassador...Michelle Gricar

Michelle Gricar, Marketing Representative SERVPRO of Saginaw 470 North Adams Saginaw, MI 48604 P: 989-752-8644 F: 989-752-8658 W: www.servprosaginaw.com E: mgricar@rdmhc.com
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An entrepreneur is defined as a person who organizes, operates and assumes the risk for a business venture. This sounds a little complicated for a child, but there are some characteristics or traits that your child may have that may indicate that they are a child entrepreneur, such as: Independence: Is your child a control freak? While that trait can be particularly annoying (and challenging) while your child is young, it could also mean they will be their own boss one day. Persistence: An important quality of a successful business owner is the determination to keep at a goal despite setbacks and challenges. If your child is persistent - or stubborn - that could be a sign that they are a budding entrepreneur. Confidence: I cant tell you how important this trait is for business owners. People who believe in their skills and abilities, especially
Child Entrepreneurs: How to Know if Your Child is an Entrepreneur

children and teenagers, are often more successful than those who dont possess self confidence. Child entrepreneurs typically have much greater self confidence than other children. Creative: Entrepreneurs are generally creative people. Creativity is important in the business world, as the competition is always improving so you have to be always improving as well. Business owners who are not creative and innovative tend to get left behind. So if you have a creative child, encourage that creativity! Organized: Is your child more organized than most children? Does your child clean his/her room without being told? Are their toys and hobbies neatly organized? While I know a lot of entrepreneurs who are definitely not organized (creativity and organized dont necessarily go together), this is a great trait to have. Goal oriented: I believe this is the most important trait of an entrepreneur. After all, how can you run a successful small business if you arent working towards goals? A goal oriented child is a good sign that he/
she may join the growing number of child entrepreneurs some day. Committed: There are many successes and failures in any small business. An entrepreneur must be committed, even when things arent going well. Motivated by Money: Perhaps one of the strongest traits in child entrepreneurs is the motivation to make money! Many entrepreneurs are born because they want to earn more money. If your child is constantly asking for additional chores or looking for ways to make more money, that trait will probably continue into their teen and adult years. Dont be surprised if your money hungry child becomes an entrepreneur. These are just some of the traits of a successful entrepreneur. While having just one or two of these traits may not mean youve got a small business guru on your hands, if your child has several of these traits, they may have the skill set to become a budding child entrepreneur. Source: www.squidoo.com/kids-making-money
Entrepreneurial Series: Fundamentals of Starting a Business

The Michigan Small Business & Technology Development Center Great Lakes Bay is offering a free Fundamentals of Starting a Business seminar at the Hoyt Library at 505 Janes in Saginaw on October 17, 2012, from 1 to 4 p.m. The seminar is for those who would like to start a small business or for those who would like to become acquainted with community and business resources. For more information about MI-SBTDC, resources, other seminars, or to register for seminars online, go to www.misbtdc.org/training or call 989.686.9597. Preregistration is required. Find us on Facebook www. facebook.com/MI.SBTDC.Region.5.
FROM P 17, Earn More your company and your life. You may well be skeptical. Thats normal. However, let me ask you Are your current paths and strategies working? If so, you wouldnt be searching for answers here. If not, I invite you to acknowledge the problems in your business, take responsibility for them, and dare to try new approaches. Need greater freedom in your business? Give me a call or email. C.Talley@ TheGrowthCoach.com or 989-401-6229.
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September 16, 2012
Better Choices, Better Medicine, Better Healing

Dr. Nashs Dental Corner
Dr. Jack Nash has been practicing dentistry for over 35 years. He is a graduate of the University of Michigan dental School. He has also been an adjunct faculty member at Delta College and is currently a Fellow of the American Academy of General Dentistry and a graduate of the prestigious Council on Innovative Dentistry. To ask Dr. Nash dental questions write to him at: Dr. Jack W. Nash, POB 1442, Saginaw, MI 48607, or email him at Drjacknash@aol.com. All opinions discussed in these articles are those of Dr. Nash; treatment options should be discussed with an individuals personal dentist. Part II Missing Permanent Teeth In my last article I was asked about children who are missing permanent teeth. In that article I stressed the need to have a routine, full face Panographic X-Ray if your child is missing permanent teeth. In many cases the missing teeth have never developed and may not develop at all, but in other cases there may reasons that could become serious problems as the child develops into an adult. In my over three decades of dental practice I have seen hundreds of children with missing permanent teeth. There was not the genetic information for the teeth to develop at all, or in medical/dental terms, we would say the child has congenitally missing teeth. They just did not grow at all. This situation is fairly common, and the missing teeth can be corrected when the children becomes an adult. When this happens the child may have to have a team approach for treatment. The general dentist may have to work with an oral surgeon and/or an orthodontist for complete treatment. A child with missing permanent teeth really should not have anything done that is not reversible until they have reached full adulthood. The reason I say this is because as the child grows the facial structure and jaw will change. The treatment to replace the missing teeth should be done in phases. One phase may provide removable and replaceable dental appliances knowing that in the second phase of treatment implants and bridges may be done. In some more serious cases, when a Panographic X-Ray shows that the teeth that were thought to be missing are not missing at all -- but are in the jaw and trapped, a more aggressive approach may need to be taken. A tooth trapped in the jaw (impacted teeth) needs the attention of an oral surgeon. An impacted permanent tooth could become cystic as the child grows, it could grow into the angle of the jaw and weaken the jaw, or the impacted tooth can grow into the roots of other teeth that have properly erupted and cause the loss of a perfectly good permanent teeth. In the worst case scenario, the tooth may have become impacted because there was a disease process in the jaw and the tooths eruption was altered by abnormal growth in the jaw. Permanent teeth that have not erupted in a young adolescent need to be addressed. In most cases the missing teeth are just not there, they simply never developed, and with the help of a dental team the teeth can be replaced when your child is a young adult. In cases where the permanent tooth is there but never descended on its own to push out the baby tooth, an orthodontist can help the tooth to descend properly into place. In cases where there is a serious disease process that caused the teeth not to erupt, the dental team will help the patient to seek the best treatment options. So, please be proactive and when you and or your dentist determine there are missing permanent teeth, do a favor for your child and try to find out why. Remember that an ounce of prevention is worth a pound of cure. Until next time, May the Floss be with you. Dr. Nash Dr. Jack W. Nash, 1320 S. Washington Ave., Saginaw, Michigan 48601-2591 Office 989.752.1200 Fax 989.752.2481
September is National Childhood Obesity Awareness Month

In the past four decades, obesity rates in the United States have soared among all age groups. This rise in obesity rates has affected our youth in alarming fashion. Childhood obesity has increased more than fourfold among those ages 6 to 11. More than 23 million children and teenagers in the United States ages 2 to 19 are obese or overweight, a statistic that health and medical experts consider an epidemic. And this epidemic puts nearly one third of Americas children at early risk for Type 2 diabetes, high blood pressure, heart disease and even stroke conditions usually associated with adulthood. Even greater disparities exist among young Hispanics and children of color. Source: www.healthierkidsbrighterfutures.org For the first time, the nation will have goals, benchmarks, and measureable outcomes that will help us tackle the childhood obesity epidemic one child, one family, and one community at a time, First Lady Michelle Obama
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Maximize
The story of a child with Severe Emotional Disturbance is too often one of tragedy. With the right help and the right team, it can be one of triumph. We maximize results to give more family stories a happy ending.
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989-754-2288
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September 16, 2012
What is Saginaw System of Care?

System of Care (SOC) is an approach for improving outcomes for youth with severe emotional disorders and their families by expanding the availability and access to individualized, culturally competent, and family-driven services and supports. DID YOU KNOW: Mental illnesses are serious medical illnesses. They cannot be overcome through will power and are not related to a persons character or intelligence. Mental illness falls along a continuum of severity. Even though mental illness is widespread in the population, the main burden of illness is concentrated in a much smaller proportion about 6 percent, or 1 in 17 Americans who live with a serious mental illness. The National Institute of Mental Health reports that one in four adults-approximately 57.7 million Americans experience a mental health disorder in a given year. The U.S. Surgeon General reports that 10 percent of children and adolescents in the United States suffer from serious emotional and mental disorders that cause significant functional impairment in their day-to-day lives at home, in school and with peers. The World Health Organization has reported that four of the 10 leading causes of disability in the U.S. and other developed countries are mental disorders. By 2020, Major Depressive illness will be the leading cause of disability in the world for women and children. Mental illness usually strike individuals in the prime of their lives, often during adolescence and young adulthood. All ages are susceptible, but the young and the old are especially vulnerable. Without treatment the consequences of mental illness for the individual and society are staggering: unnecessary disability, unemployment, substance abuse, homelessness, inappropriate incarceration, suicide and wasted lives. The economic cost of untreated mental illness is more than 100 billion dollars each year in the United States. The best treatments for serious mental illnesses today are highly effective; between 70 and 90 percent of individuals have significant reduction of symptoms and improved quality of life with a combination of pharmacological and psychosocial treatments and supports. With appropriate effective medication and a wide range of services tailored to their needs, most people who live with serious mental illnesses can significantly reduce the impact of their illness and find a satisfying measure of achievement and independence. A key concept is to develop expertise in developing strategies to manage the illness process. Early identification and treatment is of vital importance. By ensuring access to the treatment and recovery supports that are proven effective, recovery is accelerated and the further harm related to the course of illness is minimized. Stigma erodes confidence that mental disorders are real, treatable health conditions. We have allowed stigma and a now unwarranted sense of hopelessness to erect attitudinal, structural and financial barriers to effective treatment and recovery. It is time to take these barriers down. For additional information concerning Saginaw System of Care, contact Wardene Talley, Program Project Director, at 989.754.2288.
By Marcus Beemon Media Intern
From a Mans Point of View

show any manners around women because they think it is old school, or they were not raised properly as to how to treat women. Women should be respected in our society, comforted and taken care of by the man in their life. Thats the way it has been for hundreds of years and that is the way it should stay. My mom taught me to never call a girl out of their name, even if theyre calling you every name, but your name. A real man should simply try to calm her down, and if thats not working the man should walk away from the situation as an adult. Most men fail to do this because they think the woman is getting the best of them in an argument. Men are very competitive in just about everything, and because we often feel we are the dominant specie, we again do not think how important it is to treat a lady the right way. However, we should think about it because the right treatment will determine whether the relationship goes any further.
Because we live in the 21st century, some women may say men are exempt from having to do certain things for women, such as opening the door, or pulling out a chair to seat a lady when on a date. I personally believe manners can never get old, and it may be that some men do not
Education is the most powerful weapon which you can use to change the world. Nelson Mandela
September 16, 2012
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Tips to Promote Social-Emotional Health Among Young Children

What Pediatricians Can Do:
Often doctors are the first people families turn to for concerns about behaviors or emotions. Recognize that the trusting relationship you have with your patients and parents can encourage parents to share concerns. Be alert to the signs and symptoms of emotional and behavioral problems among young children as well as mental health concerns among parents. Include questions about family violence, substance abuse, and mental health history in your assessments. Promote the 5 Rs of early education to families. Reading together as a daily family activity. Rhyming, playing, and cuddling together often. Routines and regular times for meals, play, and sleeping, which help children know what they can expect and what is expected from them. Rewarding everyday successes with praise. Reciprocal and nurturing relationships, which are the foundations of healthy child development.
Integrate literacy promotion into practice. Talk with families about child care and school. Promote a 3-way partnership among the pediatrician, family, and caregivers. Help your patients and parents focus on the childs assets or strengths. Discuss the importance of a support system and appropriate coping strategies when parents feel tired, overwhelmed, or frustrated. If you see signs of depression in a parent, encourage interventions and support. Remind parents that they have to take care of themselves before they can take care of their child. Depression may impair the parents responsiveness to the child. Know what resources are available in your community so that you can refer families who need support. Make connections with mental health service providers and referral sources, and have information available in the office about mental health services.
A Final Thought:
As adults, one of the greatest things we can do for our children is to make them feel good about themselves and to equip them with a wide repertoire of positive coping strategies. They learn these strategies best when they see them modeled by the important adults in their lives.
www.samhsa.gov/children 1400 W. Genesee Saginaw, Michigan (989) 753-3475 www.themichiganbanner.com
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September 16, 2012
Project LAUNCH Focus Goals For A Healthy Child

Project LAUNCH is a new federally-funded program to promote wellness for all children in Saginaw County, focusing on children from before birth through age 8. We want all children to reach their potential in every way: physical, social, emotional, behavioral, and cognitive (i.e., the way they learn). If children grow up healthy in all these areas, they are ready for success in life. How do we want to make this happen? By focusing on 5 goals: Giving you better access to screening tests to track your childs development, assessments, and services. Providing services that have proven to be helpful called evidence-based practices. Teaching people who work with young children about healthy physical, social, emotional, and behavioral development. Improving the service system by working with area pediatricians, educators, child care providers, etc. Helping more children get ready to do well in school.
Project LAUNCH works collaboratively with other organizations in Saginaw County, including Great Start Saginaw, Teen Parent Services, Birth to Five, Child Abuse & Neglect Council, Saginaw County Community Mental Health, Early On, Saginaw County Department of Public Health, and many others in our efforts to promote young child wellness and prevent problems in the lives of our precious children. If you want to learn more about Project LAUNCH contact Pamela at 989.992.6353 or PAMELA@URBANREGENERATIONLLC.COM.
Leading Causes of Eye Injuries in School-Aged Children are Sports-related

Chicago - Every 13 minutes, an emergency room in the United States treats someone for a sports-related eye injury. According to the National Eye Institute, eye injuries are the leading cause of blindness in children in America, and most injuries occurring in school-aged children are sports-related. The results of an eye injury can range from temporary to permanent vision loss. The NEI also states that baseball is the sport responsible for the greatest number of eye injuries in children aged 14 and younger. While basketball is the sport that records the highest number of eye injuries for those ages 15- 24. More than half of all children participate in organized sports. But, most youth sports leagues do not require the use of proper eye protection, said Paul Berman, O.D., F.A.A.O and Chairman for The Coalition to Prevent Sports Eye Injuries. Through this partnership, it is our goal to educate parents and coaches on the importance of requiring kids to use sports eye safety wear during practice and during the game. Polycarbonate lenses must be used with protectors that meet or exceed the requirements of the American Society for Testing and Materials (ASTM). Each sport has a specific ASTM code. Polycarbonate eyewear is 10 times more impact resistant than other plastics. Eye injuries can include painful corneal abrasions, blunt trauma and penetrating injuries, inflamed iris, fracture of the eye socket, swollen or detached retinas, traumatic cataract and blood spilling into the eyes anterior chamber. All athletes who have poor vision or blindness in one eye should take particular care to protect their remaining vision. Our healthy eyesight is something that we can sometimes take for granted. But, in an instant, a severe eye injury can have life changing results, said Hugh R. Parry, president and CEO of Prevent Blindness America. By consistently wearing the right eye protection while playing sports, we can help to eliminate vision loss and permanent blindness in children and adults! Prevent Blindness America provides the following steps to avoid sports eye injuries: Never wear regular eyeglasses while playing sports as they may shatter upon impact. Only wear prescription protective sports eyewear fitted by an eye care professional. Sports eye protectors should be padded or cushioned along the brow and bridge of the nose. Padding will prevent them from cutting the skin. Athletes who have monocular vision, diminished vision in one eye, should always wear sports eye protectors recommended by an eye doctor. All sports eye protection should have 100 percent Ultraviolet (UV) protection. For more information on sports eye injury prevention and information on sport-specific eye protection recommendations, call Prevent Blindness America at (800) 331-2020, or visit preventblindness.org/sports-eye-safety. Source: www.preventblindness.org
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EARLY DETECTION
Do You Need and Qualify for a FREE Breast Health Screening?
Your Best Answer to Breast Cancer

Thanks to the generous donations of many community organizations and individuals to the Covenant HealthCare Foundation CARE fund, a free one-day breast health screening is being held at the Covenant Breast Health Center on September 22, 2012 for women who: Are age 40 or over Are uninsured or not covered for mammograms Have not had a mammogram for at least 12 months Have no current breast problems
FREE One-Day Breast Health Screening Saturday September 22, 2012

8:00 am-1:00 pm Covenant Breast Health Center Covenant HealthCare Mackinaw 5400 Mackinaw Saginaw, Michigan 48604 Call 989. 583. 5020 today to schedule your appointment.
American Cancer Society Statistics Show that:

About 95 percent of new breast cancer cases occur in women over 40. One in eight women will be diagnosed with breast cancer in their lifetime. Regular screenings for breast cancer usually detect it at an early, more treatable stage. The five-year survival rate among early-stage cancer patients is 98 percent.
Dont Delay. Call Today.
Early signs of breast cancer are often revealed in a mammogram before other symptoms appear. If you meet these criteria, call the Covenant Breast Health Center today at 989. 583. 5020 to schedule a free clinical breast exam and digital mammogram from our experienced physicians and technologists. Advance appointments are required. Space is limited. Spread the word about early detection to others you love like your mother, sister, daughter and friends. Its one of the best answers to beating breast cancer.
Covenant HealthCare 1447 North Harrison Saginaw, MI 48602 covenanthealthcare.com

2012 Covenant HealthCare. All rights reserved. Bus. Dev. (AQ/RF) Rev. 8/12
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September 16, 2012
Covenant Awarded an A for Patient Safety

Covenant HealthCare was honored with an A Hospital Safety Score by The Leapfrog Group, an independent national nonprofit run by employers and other large purchasers of health benefits. The Hospital Safety Score was calculated under the guidance of The Leapfrog Groups Blue Ribbon Expert Panel using publicly available data on patient injuries, medical and medication errors, and infections. U.S. hospitals were assigned an A, B, C, D, or F for their safety. Dan George, VP of Ambulatory Planning at Covenant HealthCare says, Every day, our employees and physicians strive to provide top-quality care in a patient-friendly setting. We closely watch various measures to push ourselves to be the best we can be for our community. This A is another method to monitor how we are doing for our patients, and is a great tribute to the work of our team putting patient safety at the front of all we do.
Synergy Medical Education Alliance Transitions to CMU Healthcare

Central Michigan University is pleased to announce the final step in the transition of Synergy Medical Education Alliance to CMU Healthcare with the unveiling of new signage on August 1. Synergy, formed in 1968, provides under-graduate medical education training for resident physicians and continuing education for all Saginaw physicians. CMU gained primary interest in Synergy in 2010 through a partnership with Covenant HealthCare, St. Marys of Michigan and Synergy. Synergy has been operating under the leadership of the College of Medicine since that time. CMU Healthcares nearly 200 Saginaw employees create an enriching educational experience for resident physicians and for area doctors continuing their education. At the same time, CMU Healthcare is a major factor in the delivery of quality care to the region and serves nearly 10,000 patients. This program began more than 40 years ago, helping to fill a national need for residencies and a local need for health care.
Renewing the Fight: One Community - One Cause - One Voice

The Sickle Cell Disease Association of American, Inc. conference will be held September 25 29, 2012, at the Baltimore Marriott Waterfront Hotel in Baltimore, MD. Since 1972, the Sickle Cell Disease Association of America, Inc. has served as Americas only voluntary national organization working full-time to resolve issues surrounding sickle cell disease. SCDAA is comprised of over 51 community based member organizations serving patients and their families in over 300 communities in North America. For more information visit www.sicklecelldisease.org.
September 25, 2012
$16
Kick off this flu season with our improved online registration system to get your flu shots fast.
Oakland County Health Department Clinics
Pontiac and Southfield Monday, 12pm - 8pm Tuesday - Friday, 9am - 5pm
Outreach Clinics
Walled Lake Community Center October 9th, 3pm - 7pm November 2nd, 9am - 1pm Troy Civic Center October 16th, 10am - 1pm Farmington Hills Costick Center October 23rd, 9am - 1pm
September is Childhood Cancer Awareness Month
www.oakgov.com/health
Fight the flu @
September 16, 2012
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Independence. Dignity. Quality of Life.
COMFORCARE HOME CARE

A Dedicated Non-Medical Home Care Agency
The ComForcare Mission To improve the quality of life and level of independence for every client and family receiving our services. We focus on four initiatives that are critical to the well-being of seniors: Fall Prevention Medication Adherence Chronic Disease Management Transition of Care
Wilbert J. Smith and Alois B. Smith Owner/Operators
Contact us today to learn more about our Quality Care Guarantee! 320 S. Washington Avenue Suite 202 Saginaw, MI 48607 989-752-5501 989-752-5503 FAX Email: mbsmichigan@comforcare.com Website: www.mbsmichigan.comforcare.com
Mobile Medical Response, Inc., (MMR) provides emergency and nonemergency services to 11 Counties throughout the State of Michigan. Services include; ambulance and wheelchair transportation, emergency medical management contracts, state-of-the-art medical dispatch capabilities through the MMR MEDCOM Dispatch Center, and two high-tech maintenance centers staffed with master mechanics and technicians that successfully keep MMR vehicles in premium condition 24/7. The MMR Education Department is an integral part of our success. MMR Education offers excellent initial EMT and Paramedic Programs, Specialty Courses and Refreshers, and Continuing Education Credits (CEs) monthly. MMR Education is proud to be one of three education centers to host testing for the National Registry of Emergency Medical Technicians. At MMR, were committed to professionalism, respect, integrity, dedication and excellencewe call it PRIDE. And to that end, it is our mission to provide our communities with unrivaled access to medical care by embodying all of these foundational principles. MMR not only provides non-profit transport and education services, our profit-arm Mercy Sales & Services (MSS) is the exclusive dealer of Marque and Osage Ambulances, as well as Accubuilt Wheelchair Vans. MSS operates out of a contemporary 11,000-square-foot facility in Mt. Pleasant dedicated to providing remount and rechassis services specific to each and every clients needs.
Weve Got You Covered! Weve Got You Covered!

Providing health care and wellness your entire Providing health care and wellness forfor your entire family with eight convenient locations. Call the family with eight convenient locations. Call forfor the center nearest you calling 989-759-6400. center nearest you byby calling 989-759-6400.
Now Accepting New Patients Now Accepting New Patients Now Accepting New Patients Everyone Accepted Regardless of Insurance Coverage
Most Insurances Accepted including Medicard Most Insurances Accepted including Medicard
1857631-01
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September 16, 2012
CURRENT VOLUNTEER OPPORTUNITIES IN SAGINAW COUNTY NURSE volunteers needed to work in an outpatient clinic. Work as little as 2 hours per month or more if youd like. Training or orientation provided. MENTOR girls and boys ages 5-18, teach life skills, social skills, help build self-esteem and teach self-respect to help develop responsible young adults. HEMLOCK TROOP LEADER volunteers are needed to lead a group of girls in Hemlock. Share your knowledge and skills with the next generation. Flexible schedule. Invest in the lives of girls the return is exponential! THRIFT SHOP volunteers are needed at a local agency to assist with sorting donated items, making sales and maintain the sales floor. LITERACY TUTOR volunteers needed to work one-on-one with students who need to learn to read better. Training provided. ARTS & CRAFTS volunteers needed to do activities with club members ages 6 18 years old and provide supervision when needed in other areas at the Club. CAMPAIGN volunteers needed to advocate for local agency engaging and encouraging people to GIVE through the annual fundraiser campaign. DAISY TROOP LEADER volunteers are needed to work with an enthusiastic small group of kindergarten or 1st grade girls throughout the school year. WAYFINDING & RECEPTION volunteers are needed to discharge patients after outpatient surgery, inpatient stay, escort patients, and their guests around the medical center. CANCER RESOURCE CENTER volunteers are needed to provide support to cancer patients, their family members and caregivers. Training provided. DELIVER HOLY COMMUNION at a local agency. Training provided. To volunteer your services or to donate goods, call Henrietta Watson at the United Way of Saginaw County 755-0505, Ext. 216, hwatson@unitedwaysaginaw.org. Or check out the web-based volunteer program at www.GOvolunteerNOW.org.
NON PROFIT DIRECTORY

A.Philip Randolph Institute POB 1107 Saginaw, MI 48606 American Red Cross 1232 N. Michigan Saginaw, MI 48602 989-754-8181 Antique Toy & Firehouse Museum 3456 Patterson Rd. Bay City, MI 48706 1-888-888-1270 Boys & Girls Club of Bay County 300 Lafayette Ave. Bay City, MI 48706 989-892-6723 CAN Council Saginaw County 1311 N. Michigan Avenue Saginaw, MI 48602 (989) 752-7226 / fax (989) 752-2777 www.cancouncil.org Castle Museum of Saginaw County History 500 Federal Ave. Saginaw, MI 48607 Circle of Love 1809 Durand Ave. Saginaw, MI 48602 989-754-2377 Emmaus House of Saginaw 733 S. 15th Street Saginaw, MI 48601 989-755-7538 THE EZEKIEL PROJECT ezekielprojectnow@yahoo.com P.O. Box 3470 Saginaw, MI. 48605-3470 Phone: 989.755.1620 Fax: 989.755.4038 Family & Children Services 2806 Davenport Saginaw, MI 48602 989-790-7500 First Ward Community Center 1410 N. 12th Street Saginaw, MI 48601 989-753-0411 Girl Scouts Heart of Michigan 5470 Davis Rd. Saginaw, MI 48604 989-799-9565 Good Neighbors Mission 1318 Cherry Street Saginaw, MI 48601 989-399-9918 Houghton-Jones Task Force 1708 Johnson Street Saginaw, MI 989-752-1660 Michigan Banner Outreach 1400 W. Genesee Saginaw, MI 48602 989-714-2240 Nathan Weidner Childrens Advocacy Ctr. 715 N. Euclid Bay City, MI 989-671-1345 Operation Reach 119 S. Jefferson Avenue Saginaw, MI 989-754-4444 Restoration Community Outreach 1205 Norman Saginaw, MI 48601 (989) 753-1886 / fax (989) 753-2880 Email: rcosag@yahoo.com The Salvation Army 2030 N. Carolina Saginaw, MI 48602 989-793-8371 The Saginaw Community Foundation 100 S. Jefferson Ste. 201 Saginaw, MI 48607 989-755-0545 Women of Colors POB 5525 Saginaw, MI 48603 989-399-9275 or 989-737-9286
September 16, 2012
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Bay City
Second Baptist Church Pastor Seth Doyle 1770 W. Youngs Ditch Rd. Bay City, MI (989) 893-3937
Corinthian Baptist Church Pastor Roy L. Manning 104 S. 10th St. Saginaw, MI 48601 (989) 754-1820 Faith Harvest Church Bishop Ronald E. Chipp Faith Harvest Church 1734 N. Mason Saginaw, MI 48602 (989) 799-4200 Website: www.faithharvestministry.org E-mail: office@faithharvestministry.org
Greater Freewill Missionary Baptist Church Pastor James E. Speed 615 Irving Park Ave. Saginaw, Michigan 48601 (989) 753-1713 (989) 755-3133 Email: greaterfreewill@att.net
New Beginnings Life Changing Ministries Pastor Otis Dickens 2312 S. Washington Ave. Saginaw, MI 48601 (989) 755-3650 New Birth Missionary Baptist Pastor Larry D. Camel 1418 S. Warren Saginaw, MI 48601 (989) 755-6604 New Covenant Christian Center Pastor Ron Frierson 523 Hayden Saginaw, MI 752-8485 New Faith Temple COGIC Elder Charles H. Coleman 2118 Burt Street Saginaw, MI 48601 (989) 752-3880 New Hope Missionary Baptist Church Pastor Floyd A. Logan 1721 Tuscola Street Saginaw, MI 48601 (989) 753-7600 Email: NewHope1721@yahoo.com New Life Baptist Church Pastor Rufus Bradley 1401 Janes St. Saginaw, MI 48601 (989) 753-1151 New Mt. Calvary Baptist Pastor Robert Donald 3610 Russell Street Saginaw, MI 48601 (989) 754-0801 Ninth Street Community Church Pastor William L. Scott, Jr. Assistant Pastor Rex Jones 1118 N. 9th Street Saginaw, MI 48601 989-752-7366 St. Paul Baptist Pastor Vincent D. McMillon 120 N. 15th St. Saginaw, MI 48601 (989) 752-5023
Saginaw Valley Community

Pastor Richard Sayad 3660 Hermansau Saginaw, MI 48603 (989) 752-4769
St. John Missionary Baptist Church

Pastor James E. Hodge 1309 North 6th Street Saginaw, MI 48601 (989) 753-2188 (989)714-7678
Lansing
St. Stephens Community Church Reverend Herman Haller 1007 Kimberly Drive Lansing, MI 48912 (517) 484-2180
Saginaw
Bethel AME Church Pastor P. David Saunders 535 Cathay St. Saginaw, MI 48601 (989) 755-7011
St. Lukes CME Pastor Charles Braddock 1121 Tuscola Saginaw, MI 48607 (989) 755-0351
Transforming Life Ministries

Pastor William Brown 3024 South Washington Avenue Saginaw, MI 48601-4353 (989) 754-9573
Bethlehem Baptist Church Pastor Ernest W. Bothuel 3309 Bundy Street Saginaw, MI 48601 989-752-5866
Bread of Life Harvest Center Senior Pastor Rodney J. McTaggart 3726 Fortune Blvd. Saginaw, MI 48603 (989) 790-7933 Christ Disciples Baptist Pastor Eddie Benson 3317 Lapeer Street Saginaw, MI 48601 (989) 754-2444 Church of Christ Minister James Sanderson 1325 N. Center Road Saginaw, MI 48638 (989) 790-2707 World Outreach Campus of Greater Coleman Temple Ministries Supt. H.J. Coleman Jr. 2405 Bay Rd. Saginaw, MI 48602 (989) 752-7957
Greater Williams Temple Bishop H.J. Williams 608 Remington Saginaw, MI 48601 (989) 755-5291 Jacobs Ladder Pastor Dempsey Allen 1926 Fairfield Street Saginaw, MI 48602 989-799-6601 Life In Christ Ministries Pastor Dennis Cotton, Sr. 2915 S. Washington Ave. Saginaw, MI 48601 989-752-2837 LifeInChristMinistries07@gmail.com Messiah Missionary Baptist Church 2615 Williamson Road Saginaw, MI 48601 Pastor Otis Washington Phone: 989-777-2636 Fax: 989-777-2640 Email: Messiahmbc@att.net Website: www.Messiahsag.org Mt. Olive Baptist Church Pastor Marvin T. Smith 1114 N. 6th Street Saginaw, MI 48601 (989) 752-8064
Truevine Baptist Church

Pastor Paul E. Broaddus 2930 Janes Street Saginaw, MI 48601 989-752-0751
Victorious Believers
Ministries Church Rev. Christopher V. Pryor 624 S. Outer Dr. Saginaw, MI (989) 755-7692
Zion Missionary Baptist Church Pastor Rodrick Smith 721 Johnson Saginaw, MI 48607 (989) 754-9621
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September 16, 2012
Christ Disciple Baptist Church 3317 Lapeer Street, Saginaw, Michigan 989-754-2444
Saginaw Valley Community Church 3660 Hermansau Dr. Sunday 10 a.m. ~ Morning Worship Saginaw, MI 48603
6 p.m. ~ Celebrate Recovery 6:30 p. m. ~ Young Adults Life Group Bible Study/Worship Monday 7 p. m ~ Womens Life Group Tuesday (2nd & 4th) 10 a.m. 3 p.m. ~ Heavens Manna Food Distribution 7 a.m. ~ Mens Life Group 6:30 p.m ~ Prayer Night 10 a.m. & 7 p.m ~ Healing Rooms
Christian Education 9:30 a.m. Sunday Morning Worship 11:30 a.m. Wednesday Bible Study 6 p.m. Mens Meeting held every second Saturday of the month
Wednesday 6:30 p.m ~ Equipping Classes, all ages Thursday 1 p. m & 6:30 p .m ~ Healing Rooms Saturday 6 p.m. ~ Youth Worship
Pastor Dempsey Allen
Jacobs Ladder Ministries 1926 Fairfield Street Saginaw, MI 48602 989.799.6601 www.jacobsladdersaginaw.org Sunday Morning Worship - 11:15 a.m.
Changing Lives One Youth at a Time
The Michigan Banner Outreach is a non-profit 501 ( c ) (3) program for at-risk youth. To hear what our youth are thinking and for additional information, go to www.michiganbanneroutreach.wordpress.com, and http://www. facebook.com/pages/Michigan-Banner-Outreach/238985396146551. While you are at our page, please click on the like button and let your friends know! 1400 W. Genesee Saginaw, Michigan (989) 753-3475 www.themichiganbanner.com
September 16, 2012
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New Mt. Calvary Missionary Baptist Church 3610 Russell Street Saginaw, MI 48601
2012 Fall Revival September 24-26, 2012 Time: 6:45 p.m.
Pastor Larry D. Camel and 1st Lady Shirley Camel
New Birth Missionary Baptist Church

1418 S. Warren Avenue Saginaw, MI 48601 989-755-6604
Rev. Charles Emery Pilgrim Rest Missionary Baptist Church Gary, IN
Guest Speaker
Sunday 9:30 a.m. Sunday School 11:00 Worship Service
Saginaw Healing Rooms

Fall 2012 Training
Fridays: 6:30 PM until 9:30 PM Saturdays: 9:00 AM until 4:30 PM
Training Is Held at Saginaw Valley Community Church
3660 Hermansau Drive Saginaw, MI There is NO CHARGE for the training; however a love offering will be taken. Sorry, no child care available
To register call (989) 752-4769, email: info@svcc.cc or visit us at www.svcc.cc.
Sick of being sick? Saginaw Healing Roo

Visit the Healing Room Ministry located at 3660 Hermansau Dr., in Saginaw, Michigan Tuesday 10 a.m. 12 p.m. 7 a.m. 9 p.m.
Two consecutive weekends: September 21 & 22; 28 & 29
Fall 2012 Train
Two consecutive we September 21 & 22;
1 3 p.m. 6:30 - 8:30 pm Training Is Held at Saginaw Valley Community Ch
Fridays: 6:30 PM until 9:3 Saturdays: 9:00 AM until 4:3 Thursday
To register call (989) 752-4769, email: info@svcc.cc or visit us at www.
3660 Hermansau Drive Saginaw, MI No appointment is needed; however, it is helpful to make one to the training; however a love offe There is NO CHARGE for avoid waiting. Appointments can be made by calling available will be taken. Sorry, no child care 989-752-4769.
Saginaw Healing Rooms
Saginaw Healing Roo
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September 16, 2012
CELEBRATING HISPANIC HERITAGE MONTH AT THE LIBRARY

The Public Libraries of Saginaw has scheduled special activities for children to celebrate National Hispanic Heritage Month. The free programs are especially designed to help children gain an appreciation for the Hispanic heritage and culture. For more information on library programs, call 755-9826, go to www.saginawlibrary.org, or visit any of our library branches. Lowrider: Mexican American Cultural Art Form will be held on Monday, September 17 at 4 p.m. at Wickes Library, 1713 Hess. Celebrate Hispanic Heritage Month by learning about this personal, moving art form. Explore its origins, development, and mix of technology and art. Color your own design while enjoying a small snack. Familiar Tales from Other Lands Hispanic Heritage Storytime is taking place on Friday, September 21 at 10:30 a.m. at Zauel Library, 3100 N. Center. This storytime is for children 3-5 years of age, and features some familiar tales with a Hispanic flair. Hispanic Heritage Super Saturday is packed with LIVE music by Manuel Cadena, snacks and activities on Saturday, September 22 at 2 p.m. at Butman-Fish Library, 1716 Hancock. This is a free family event! Children under 7 must be accompanied by an adult. Create a Mexican Folk Art Etching Craft on Saturday, October 6 at 2:30 p.m., at Hoyt Library, 505 Janes. Create a colorful etching in the style of Mexican folk art, then frame it to take home. Children under the age of 7 need a helper. Join us on Saturday, October 6 at 2:30 p.m. at the Hoyt Library, 505 Janes, to commemorate the history and culture of Hispanic Americans. Enjoy a special presentation by one of Saginaws most notable and respected citizens, David Gamez. HISPANIC HERITAGE MONTH COMMUNITY CELEBRATION EL PASADO, EL PRESENTE, Y EL FUTURO Mr. Gamez will speak about the very humble beginnings of health care for migrant workers in the Saginaw Valley at the Guadalupe and Saginaw Clinics, and how this clinic would be the inspiration for Health Delivery on Saturday, October 6, at 2:30 p.m, at the Hoyt Library. Please come and share your memories of the Guadalupe Clinic or the Saginaw Clinic with us at this event.
Non-violence is not inaction. It is not discussion. It is not for the timid or weak... Non-violence is hard work. It is the willingness to sacrifice. It is the patience to win. Cesar Chavez
GEARED for PRODUCTION

The Story of Automotive Manufacturing in Saginaw
A Permanent Exhibit
500 Federal Avenue www.castlemuseum.org (989) 752-2861
Castle Museum
September 16, 2012
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Terry Reed Sales Professional Used Cars
Open Houses at DNRs Offer Chance to Learn about Hunting, Outdoor Recreation Opportunities
The Michigan Department of Natural Resources (DNR) invites the public and hunters to join the staff at various MWHAs to tour the areas and learn about the possibilities for hunting and other recreation. Open houses will be held at the following locations: Fish Point MWHA (Tuscola County) Sept. 26 from 5:30-9 p.m. Nayanquing Point MWHA (Bay County) Sept. 27 from 5:30-9: p.m. Shiawassee River MWHA (Saginaw County) Oct. 2 from 5:30-9 p.m. Harsens Island (St. Clair County) Oct. 3 from 5:30-9 p.m Pointe Mouillee (Monroe/Wayne counties) Oct. 4 from 5:30-9 p.m The open houses will provide an opportunity for hunters and outdoor enthusiasts to learn about the areas and interact directly with DNR personnel, said Joe Robison, wildlife biologist supervisor for the DNR. These areas offer first-class waterfowl hunting opportunities and various recreational activities that many outdoor enthusiasts can enjoy.
Phone (989) 667-2000 Ext 341 Direct (989) 460-0341 Fax (989) 667-0103 E-Mail terry.reed@labadieauto.com Website www.labadieauto.com labadie Buick Cadillac GMC 711 S. Euclid Ave. Bay City, MI 48706
Saginaw Habitat for Humanitys 1st annual Halloween Bash!

Saginaw Valley State Universitys Curtiss Hall Ball Rooms Saturday October 20, 2012 7 p.m. 12 p.m. $80.00 per person (Includes ghoulish dinner, drink tickets, valet parking & a souvenir goblet glass) Thousands of $$$ in costume prizes Costumes required www.svsu.edu/habitathalloweenball
September Bi-Weekly Weather

Sun Mon Tue Wed Thu
Weather .com
Fri Sat Averages Averages 16 17 18 19 20 21 22 Hi 78F Hi 80F Hi 73F Hi 71F Hi 73F Hi 70F Hi 70F Lo 50F Lo 55F Lo 50F Lo 52F Lo 53F Lo 49F Lo 48F _______________________________________________________________________________ 23 24 25 26 27 28 29 Averages Averages Averages Averages Averages Averages Averages Hi 68F Hi 69F Hi 68F Hi 68F Hi 67F Hi 67F Hi 67F Lo 48F Lo 47F Lo 47F Lo 47F Lo 46F Lo 46F Lo 46F ________________________________________________________________________________ 30 Averages Hi 66F Lo 46F September 20, is Take a Loved One to the Doctor Day _________________________________________________________________________________
Page 34
September 16, 2012
Brush Street Band to Perform on Delta TV

Delta College Quality Television is proud to present an exclusive performance of one of the foremost jazz/soul bands in Michigan, Brush Street, featuring Julie Mulady, at 8 p.m. on Wednesday, September 12. Brush Street, featuring Julie Mulady, has attained wide acclaim in mid-Michigan, performing at all major local concert events, numerous private functions, and releasing three wellreceived CDs. The audience-friendly jazzy-bluesy repertoire, including original material, sets the group apart. You will find Mike Brushs music is unforgettable, and the voice of Julie Mulady a pure and total joy, said Barry Baker, station director. Be sure to tune in for the great sounds of this unique band at 8:00 pm on Wednesday, September 12 on Q-TV channel 19, Channels 9 or 784 on Charter Cable, or on Comcast Channels 19 or 289.
LIGHTHOUSE BAKERY & DELI

285 S. Outer Drive Tel: 754-7088 Fax: 754-7099
Woodside Church to Resume Jazz Vespers

Woodside Church is pleased to resume its alternative worship serviceJazz Vesperswhich features local musicians from Flint and the surrounding area on September 21. Each event will be held the 3rd Friday of every month and begin at 6:00 p.m. Presented in a coffee house setting, the service offers a mix of outstanding music and readings focused on a special theme. Refreshments will be served. Woodside Church, located at 1509 East Court Street, in Flint, is next to Mott Community College. Everyone is welcome and there is no admission fee although donations are welcome. Call 810-767-4911 or visit www.woodsidechurch.net for more information
Be good to yourself
We bake from scratch!
Hungry?
Donuts Cookies Cakes Pies
Stop in today and try one of our homemade specialties
September 16, 2012
Page 35
Congratulations
It is with great pleasure that I offer my congratulations to the Saginaw County Branch NAACP on their 42nd year. Gil Johnson, President Saginaw Valley Ford Lincoln Saginaw Valley Ford Lincoln is one of less than 60 FORD LINCOLN dealers in the country. Saginaw Valley Ford Lincoln is the only African American owned dealership between Royal Oak, Michigan and the entire Northern sector of the State of Michigan. Continuing to deliver, Saginaw Valley Ford Lincoln was recognized by Black Enterprise Magazine among the top 100 successful African American Auto dealerships again in 2012.
Page 36
September 16, 2012

The Michigan Banner September 16, 2012 Edition

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The Michigan Banner First Great Lakes Bay Regional Newspaper

September 16, 2012

Empowering Communities and Changing Lives

Michiganders Urged to Make Commitment on Sept. 19

Gayle Tzemach Lemmon

Rev. Charles Emery Page 31

September 16, 2012

NAACP: Your Power, Your Decision ~ VOTE!

Eric Gilbertson President Saginaw Valley State University

Christine Jones Past President Houghton Jones Neighborhood Task Force

Ronald Spess Retired CEO Saginaw County Youth Protection Council

1400 W. Genesee Saginaw, Michigan (989) 753-3475 www.themichiganbanner.com

September 16, 2012

The Michigan Banner First Great Lakes Bay Regional Newspaper