business & rofessional >> memos The Credit Union Perspective sponsored by bestsource credit union By: John Normandeau, President/CEO BestSource Credit Union In the Market for a New Vehicle? S A shareholder from Southfield-based Maddin, Hauser, Wartell, Roth & Heller P.C. has been selected for the Five Star Wealth Manager Award by Roth Five Star Professional: Richard F. Roth of Bloomfield Hills. He has a real estate and business practice with a concen- tration on corporate, real estate, estate planning and taxation law. He is a graduate of the Wharton School at the University of Pennsylvania and the University of Michigan Law School, cum laude. Howard N. Dembs of West Bloomfield has joined the Bradley Co. as chief operating officer. Previously, Dembs was VP, general manager at Cutting Dembs Edge Cuisine and for 12 years was director of marketing and communi- cations at the Jewish Federation of Metropolitan Detroit. The Bradley Co., owned by Steve Schwartz, is an award-winning promotional market- ing company that provides branded solutions to help companies grow. (248)538-1909; www.thebradco.com . Paul S. Magy, a principal of Kupelian Ormond & Magy P.C., will be awarded the 2012 International Council of Shopping Centers Magy Trustees Distinguished Service Award. He has served as chairman on a variety of state and national committees for ICSC and is a past Michigan state director. He earned this award while being an active principal and attorney with KOM with his law practice specializ- ing in commercial real estate trans- actions and litigation. Ellis Jason M. Ellis, D.C., has been rec- ognized in his field of chiropractic by Hour Magazine for 2012. He is a chiro- practor who spe- cializes in the acti- vator method, which is favorably regarded as a low-force chiropractic treatment technique. With state-of-the-art equipment and technology, he sees patients from newborns to seniors. Ellis is a believer in maintaining health for a lifetime. His practice is located in the Weight Watchers building in Farmington Hills. Commercial litiga- tion attorney Clifford J. De Vine of Bloomfield Hills has joined Butzel Long. He is Of Counsel and is based in the firm's De Vine Detroit office. De Vine concen- trates his practice on commercial litigation, construction litigation, arbitration and mediation. He has more than 35 years of experience representing both plaintiffs and defendants in the construction industry. There's no doubt about it, walking into a car dealership to buy a new vehicle can be a daunting task. There are a few things you can do to make it an easier process. Do your homework. Before you even go to the dealer- ship know which vehicle you want. With the interne you can learn a great deal about a vehicle before heading John Normandeau. CEO to a dealer. However, as valuable as research and reviews nothing can replace the actual test drive. One-step at a time. Deal with the new vehicle price, financing, and your vehicle trade-in separately. This prevents the dealership from giving you a good price on the new vehicle and then making up that difference by giving you less for your trade-in. Salespeople are good at bundling everything together and making it look like you're getting a great deal. Rebate versus low finance rate. Taking the low finance rate from the dealer over the cash rebate isn't always the best route. Anytime you can lower the actual vehicle price up front, you will save more money over the life of the loan. There's no better time to get that vehicle you've been dreaming of with rates as low as 2.00% * . Not in the market for a new vehicle just yet? Did you know that you're not locked into the auto loan rate you originally financed your vehicle at? Just like a mortgage, you can refinance your auto loan. At BestSource Credit Union our mission is to improve our members' financial lives. Stop by a branch or give us a call at 800.666.4500 to see how we can help you achieve your goals. For more information, visit www.bestsourcecu.org . All loans'subject to approval and verification of submitted information. BestSource Credit Union does not refi- nance BestSource Credit Union loans. Rates and terms may vary based on credit qualifications, age of collateral and relationship with the credit union. Rates subject to change without notice. Discounted rate applicable when member signs up for direct deposit and payroll allocation. IBEST SOURCE Improving Members' Financial Lives J N I 0 N Jaffe Raitt Heuer & Weiss has elected Bill Sider chief executive officer. As CEO and a member of the firm's board of directors, Sider is responsible for Sider the growth, strate- gic development and overall opera- tions of the 200-person firm. He continues to practice as a member of Jaffe's Tax Group, specializing in acquisitions, debt restructuring, dis- positions and joint ventures. JN Business Memos The Jewish News welcomes announcements regarding the accomplishments of Jewish members of the business community. Business and professional memos, with or without pictures, will run at a charge of $54 per announcement of 75 words. The editorial staff reserves the right to edit items for space allotments. No item will run without all the components — text, fee, photo — turned in. Payment may be made by charge; call Sy Manello, (248) 351-5147; Visa, MasterCard and AmEx are accepted. Israel Dream Mission November 26 -December 5, 2012 Jerusalem • Tel Aviv • Central Galilee For those 70 years and older who have always dreamed of going to Israel... The Jewish Federation of Metropolitan Detroit's Israel Dream Mission is a unique and exciting opportunity for Jewish community seniors to fulfill their lifelong wish to visit Israel. Through the generosity of Sandy & Jim Danto, the Mission cost will be subsidized for eligible applicants. For more information or to receive an application, please contact Linda Blumberg at 248,203:1468 or Blumberg ajfmd.org . May 10 • 2012 29