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What’s The Biz -- November 2009 1
 
BIZBIZ
What’s the What’s the What’s the What’s the What’s the What’s the What’s the What’s the 
November 2009 Vol. 4 # 11
Oxford Area’s Monthly Business News & Info
Even scarecrows, like this one relaxing outside PattersonPrescription Pharmacy in downtown 0xford, know if you wantto find out what’s going on with local businesses, you’ve got toread
What’s the Biz 
every month.
Photo by C.J. Carnacchio.
 
2 What’s The Biz -- November 2009
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Vicky Winkler,owner of TheMarketingShop, Oxford.
We are constantly inundated with doomand gloom about the economy, so let me bend your ear about the positive endeavorsof the 3/50 Project and how it is helping local businesses.The 3/50 Project is agroundswell of effortsaround the country to en-courage individuals to“buy local”. The projectrelies on a simple message:“Pick 3. Spend 50. Saveyour local economy”. Ac-cording the 3/50 website,www.the350project.net,here’s how it works:
1.Pick 3
locallyowned businesses you’dhate to see disappear, andthen return to them.
2.Spend $50 per month
in locallyowned businesses. If half the employed U.S. population did so, it would generate morethan $42.6 billion in revenue.
3.For every $100 spent
in locallyowned businesses, $68 returns to the localcommunity. When spent in a big box, chain,or franchise, $43 remains. Purchases madeonline return nothing.With the tag line “Save your localeconomy three stores at a time,” the Project’sgoal is to promote shopping in locally owned businesses while thanking customers for the positive impact that decision has on a localeconomy.As said by Cinda Baxter, founder of the 3/50 Project, “The system is broken, the banks
Embracing buy local:The 3/50 Project
are frozen, the economy is bleeding. That’sall we hear. The images . . . are ghastly anddevoid of hope. What we need—what wecrave—as a nation is to pinpoint areas where positive change can occur, then feel goodabout having promoted them.”Getting this down to the local level, think about which three stores
you
would miss if they disappeared, and support them the bestyou can. “Shoppers have become so rootedin thinking about the essentials that they’veforgotten about the little gift store on thecorner whose owner remembers their name”,says Baxter.Check out
www.the350project.net
, under “Supporters” and see who in Oxford is partof this effort!
Vicky Winkler, President of The Market-ing Shop, can be reached at (248) 814-0794or at vicky@themarketingshoponline.com.
BUDDING ENTREPRENEUR – Emily Kalohn, an eighth-grader at Oxford Middle School,was the youngest vendor to set up at the Chamber of Commerce’s Women’s Expoheld Oct. 2. Her business is called E&K Puff Heart Pendants. Her heart-shapedpendants are made from genuine Swarovski Crystals. Custom color and sizesavailable. To learn more about her business call (248) 933-4333.
Photo by CJC.
Oxford residents Zoe Moore, 3, and Chase Moore, 7, look atthe scarecrow created by Don Sherman’s State Farm Agencyfor the DDA’s Annual Scarecrow Festival Oct. 17. This crowwon the business category.
Photo by C.J. Carnacchio.
 
What’s The Biz -- November 2009 3
Andrew Hunterof Edward Jones
20 Hudson St • Oxford •
248-969-1490
Specialists In
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Like a tiresome dinner guest, the reces-sion has long outstayed its welcome. Butthere are some clear signs that the economyhas begun to turn around. If that is indeedthe case, how should you, as an individualinvestor, respond?Before we get to thatquestion, let’s quickly re-view some of the key fac-tors that suggest the re-cession may be ending.First, we’ve seen four straight months of gains by the Conference Board’sIndex of Leading Eco-nomic Indicators. Also,the job market is improv-ing somewhat and bank lending is increasing. TheFederal Reserve’s effortsto stabilize the financialsystem have improved conditions in the cor- porate credit markets, as indicated by a dra-matic increase in the amount of new bondsissued by companies thus far in 2009. We’vealso seen improvements in the housing mar-ket and in industrial production.Even if all this evidence indicates the re-cession is ending, does that necessarily meanthat boom times for investors will follow? Alook back in time shows reasons for opti-mism. In 10 recessions, extending from 1949through 2001, the S & P 500 rose, on average,9.5 percent six months following therecession’s end date, and 15.5 percent after 12 months, according to Ned Davis Research.Of course, as you have no doubt heard, past performance is no guarantee of future results, but in years gone by, staying in the marketrewarded long-term investors —those whocould look beyond the recession at hand.In any case, if the recession is ending,let’s return to our original question: Whatinvestment moves should you make? As
Time to makepost recessioninvestment moves?
we’ve already seen, the most important stepyou can take is to remain invested — and if you’re out of the market, consider getting back in. As exhibited by the strong marketrally this summer, large gains can comequickly, but they only come to those whoaren’t on the investment sidelines.In addition to staying invested, consider these other post-recession moves — whichare actually pretty good moves before andduring a recession, as well:
I
Look for quality. In any economic envi-ronment, you’ll be making a smart move byfocusing on quality investments that fit your unique situation. You may look for the stocksof those companies with strong managementteams and competitive products. And stick with investment-grade bonds, if fixed incomeis appropriate.
I
Diversify. Build a portfolio containing avariety of investments, including stocks, bonds, government securities and certificatesof deposit. While diversification, by itself,can’t guarantee a profit or protect against aloss, it can help you reduce the long-termeffects of volatility on your holdings.
I
Keep a long-term perspective. It’s noteasy to overlook market fluctuations, espe-cially severe ones, but if you can keep your eyes on what you hope to achieve in thefuture, you might be less likely to over-reactto short-term events. While you may need to periodically adjust your investment mix inresponse to changes in the economy and inyour own life, you’ll be better off, in the longrun, by establishing a strategy that’s appro- priate for your individual risk tolerance andgoals — and sticking to it.As individuals, we’re all subject to theebbs and flows of the economy. But by fo-cusing on those things you can control — such as buying quality investments, diversi-fying and thinking long-term — you can be-come an investor for all seasons
Got a Biz story toshare? Photo tosubmit? Event tocover? Call Drew or C.J. at (248) 628-4801.
Andrew HunterFinancial Advisor
826 S. Lapeer Rd., Suite AOxford, MI 48371
(248) 628-3811
www.edwardjones.com
Member SIPC
 
.
 
WHY GO ANYWHERE ELSE?
 When it comes to meeting your financial goals, you really only need to see oneperson. At Edward Jones, we strive to meet all your financial services needs while providing exceptional personalized service.Because we serve individual investors and business owners, all of our energy and resources are dedicated to helping your reach your long-term financialgoals. That’s why we live and work in your community. We meet with you faceto face to discuss the key steps to creating your financial strategy. You talk, we listen, and we get to know you.
Estate Planning*Online Account AccessBusiness Retirement PlansMutual FundsEducation Savings StrategiesAnnuitiesIndividual Retirement AccountsEquities
For more information or to schedule a complimentary financial review, call orstop by the Edward Jones location nearest you.
*Estate-planning services are offered through Edward Jones Trust Company. Edward Jones Trust Company andEdward Jones are separate subsidaries of the Jones Financial Companies, L.L.L.P.
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