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                                         December 2009

                              Contact us at:

                 Eye and Vision Care for a Healthy Lifestyle
                            Submitted by: Dr. Renee L. Williams

Eyesight is one of the most valued senses. To help you see your best for a lifetime, eye care
professionals recommend early and regular eye exams for good eye health and for overall health and
wellness. A quality comprehensive eye exam lasts about an hour and includes a pressure test for
glaucoma and dilating drops for a better view inside your eyes to help detect signs of eye and health
problems. This is important, since you won’t always notice the symptoms yourself.
 Children should have their first eye exam by preschool age. Children with undetected vision
problems may face many barriers in life--academically, socially, and athletically. By having eye
exams every 1 to 2 years, or as recommended by your eye doctor, adults, especially those at risk for
diabetes, glaucoma, and other conditions, can help ensure these diseases can be caught in a timely
manner and treated appropriately. Regular eye exams can reveal signs of undiagnosed eye diseases
such as macular degeneration and glaucoma, as well as systemic diseases such as diabetes, high
blood pressure, and even tumors, before they cause devastating damage.

Do your eyes burn or feel itchy? You may have dry eyes, a condition that occurs when your eyes
don’t produce enough tears. It’s common with aging, but can also be caused by antihistamines,
sleeping pills or smoking, and is more frequently experienced by contact lens wearers. Your eye
doctor can help this condition by recommending and trialing over-the-counter artificial tears to provide
short-term relief for dry spots on the cornea, or by prescribing new treatments such as Restasis
Ophthalmic Emulsion by Allergan. Restasis helps increase your eyes’ natural ability to produce
tears. Also available now are planned replacement contacts made of silicone hydrogel, and
advanced contact lens cleaning solutions and rewetting drops for patients who previously had
reduced success with contact lenses.
Are your eyes red and tired at the end of the day? Looking at a computer screen all day may cause
eyestrain. It won’t damage your vision, but it does lead to eye fatigue, headache and difficulty
focusing. Some things you can do to help are: adjust your monitor to reduce reflection and glare,
look away from the screen and focus on something distant several times an hour, remind yourself to
blink often, and ask about glasses designed for computer users.

Did you know that many eye exams now can be billed through your medical insurance if the exam is
performed because of a condition beyond routine vision diagnoses such as nearsightedness? And
don’t forget that eye care, eyeglasses and contact lenses may qualify for flex spending
reimbursement and income tax deductions.

                   ********* Renew your NEBA Membership Today*********

Sign up now to have your business included in the NEBA brochure for next year!!
           Non-Surgical Treatment of Bacterial
                Infection of Gum and Bone
                     Submitted By: Nylaan Dental
     Periodontal disease is an infection of the gum and bone that can progress over time. This
disease most of the time is without painful symptoms. However, several warning signs consist of
swollen gums, tender gums, gums that bleed easily, gums pulling away from teeth, looseness of
teeth, and bad breath. Periodontal disease has been linked to diabetes, heart and lung disease,
stroke, and premature birth. Bacteria that cause periodontal disease are harder to kill than normal
oral bacteria, therefore a routine cleaning will not control the infection. Typically a patient would need
a gum surgery done by a doctor with a scalpel and stitches to see underneath the gum tissue, called
a flap surgery. We offer a less invasive non-surgical treatment called Perioscopy which uses a micro
camera to aid in visualization of diseased pockets.

      The Perioscope is a fiber optic endoscope that slips into pockets so root surfaces can be
observed and cleaned. The endoscope projects a picture that is magnified 48 times its normal size
onto a chair-side computer screen, helping our trained hygienists to visually detect the buildup and
diseased gum tissue. The minimally-invasive micro camera magnifies details of unseen deposits like
hardened plaque and tartar that cause bleeding and inflammation, that can not always be detected
with your routine cleaning. Using this unique visualization device, clinicians are able to achieve very
thorough cleaning to the bottom of the pocket, which promotes healing and potentially prevents
further damage and tooth loss. The Perioscope micro camera is connected to a water irrigation line
that flushes out the bacteria that aides in the progression of periodontal disease. We are one of few
dental offices in the state that use the non-surgical technology to provide you with a more comfortable
experience to promote healing, and better overall oral health.

                                      NEBA Welcomes
                                         Tim Beals of
             Credo Communications as a new member
                We’ve Moved- Check out our new address
Busy Bea’s Services- 2070 Waldorf NW, Ste. A,
                            Grand Rapids, MI 49544          616-284-4000
Goodlander, Swett & Rybicki, CPA’S- 4462 Plainfield Ave., NE,
                     Grand Rapids, MI 49525. 616-361-1896
                                  ~~~FINANCIAL FOCUS~~~
                              Submitted By: Bob Maloof- Edward Jones
                                       Here’s Your Year-End Investment Checklist
       We’ve pretty much seen it all this past year— a bear market, a long rally and even a period of neither-up-
nor-down. But even though we’ve only got a few weeks left of 2009, you still have time to make some moves
that can pay off for you in 2010 — and beyond.
       Here are a few suggestions to consider:
       • “Max out” on your IRA — and make regular contributions next year. For the 2009 tax year, you can
contribute up to $5,000 to a traditional or Roth IRA, or $6,000 if you’re 50 or older. And you have until April
15, 2010, to fully fund your 2009 IRA. Of course, it’s not always easy to come up with lump sums of money,
but do whatever you can to make up for any shortfalls in your IRA for 2009. And in 2010, consider setting up
automatic monthly contributions to your IRA — it’s a much more efficient way to maximize a great retirement-
savings vehicle.
       • Increase your 401(k) contributions. If your employer permits it, try to add more money to your 401(k)
or other retirement plan before the year ends. By increasing your 401(k) contributions, you can lower your
adjusted taxable income while you potentially build more resources for retirement.
        • Convert your traditional IRA to a Roth IRA. Depending on your individual situation, a Roth IRA,
which offers the potential for tax free growth, provided you meet certain conditions, may be a better choice for
you than a traditional IRA, which offers the potential for growth on a tax deferred basis. Consequently, if you
meet eligibility limits, you may want to convert your traditional IRA to a Roth IRA. However, this conversion
is likely going to be a “taxable event,” so you’ll need to have money available outside your IRA for the tax bill.
You’ll want to discuss this move with your tax advisor.
        • Sell your “losers.” If it’s appropriate for your portfolio balance and long-term goals, you may want to
sell some investments that have lost value to take the tax losses. If these losses exceeded your capital gains from
selling appreciated stocks, you can deduct up to $3,000 (or $1,500 for married couples filing separately) against
your other income, reducing the amount on which you must pay taxes. And if you lost more than $3,000, you
can carry over the excess into subsequent years. Consult with a tax advisor before selling investments to claim a
tax loss.
        • Consolidate your investment accounts. Instead of having an IRA with one firm, some other
investments with another and a cash-value insurance policy with a third, you might want to consolidate all your
assets with one provider. That way, you’ll be better able to align all your assets with a central, unified
investment strategy.
       • Review your insurance coverage. Over the course of a year, you could experience significant changes
in your life: marriage or divorce, the birth of a new child or the departure of an older child from your home, the
start of a new job or retirement from an old one, and so on. That’s why you’ll want to make sure you have the
right amount and type of insurance to protect your family and your financial future.
        By making these moves, you can close out 2009 on a positive note — while positioning yourself for
progress on your long-term goals.
  This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.
Edward Jones, its associates and financial advisors are not estate planners and cannot provide tax or
                                            legal advice.

                     What’s up in Plainfield Township
                     By: Scott Harvey- Township Clerk
** The position of the Deputy Clerk will be filled as early as mid January.
Interviews for the position will take place next week. Background checks for
all employees remain an issue for the Personnel Committee which will meet on
December 15th in anticipation of having a Township wide policy to present the
the Board at the regular scheduled meeting on December 21, 2009.

** There will be a presentation to the Board by Florentines Restaurant for
consideration of issuing a Class C Liquor License for a proposed Italian family
restaurant on Post Rd just east of US 131.

NEBA Website Update: We will begin the new year with
the launch of a new NEBA website. The website will
be revealed at the Christmas luncheon, and members
will get the opportunity to provide feedback and
suggestions for changes.
                                                                       CALENDER OF EVENTS
                                                                       January 11th – Board Meeting
                                                                       January 20- Luncheon
2010 NEBA Board Members                                                Speaker- Darel Ross of Lighthouse
Craig Terpstra-President                                               Communities-
Mike Dood- Vice President- Mike Dood Insurance                         Networking from 11:45-12pm
Lisa McCaffrey- Treasurer- Option 1 Credit Union                       Lunch from 12pm-1pm
Gayle Compton- Compton Tax                                             Luncheon cost is $13
Jim Viewig- Chase Bank
                                                                       ~Luncheons take place at Boulder
Barb Meconis- Holistic Care
Kathi Wasserman-Northview Schools                                      Creek Golf Club, 5750 Brewer NE
Sharon Koop- Macatawa Bank                                             Please RSVP to Debi at
My Lien- Innovative Counseling Solutions                     
                                                                       Or call 361-0589
        ****Business Spotlight****
                   Dr. Renee L. Williams, OD PC
Last month Dr. Renee L. Williams celebrated the ninth anniversary of her optometry practice in Grand
Rapids! Check out her new website at and get many of your eye
questions answered.

Optometrists provide a wide range of care, including:
             Detect and diagnose eye diseases such as glaucoma, cataracts, retinal disorders, lid
             disorders, and infections such as conjunctivitis.

             Prescribe medication to treat eye infections and diseases.
              Evaluate and treat vision conditions such as nearsightedness, farsightedness,
             astigmatism and presbyopia.

             Perform minor surgical procedures such as removing foreign objects from the eye.
             Provide pre- and post-operative care, especially for glaucoma, laser, refractive, and
             cataract patients.
             Supply eyeglass frames and lenses and fit contact lenses.

                           Bob Maloof of Edward Jones

Bob Maloof                                                    Please join us for our free monthly
Financial Advisor.                                            seminar series at Boulder Creek
                                                              every 3rd Wednesday evening of the
5020 E. Beltline Ave N E, Suite G                             month from 7:00-8:00pm.
Grand Rapids, MI 49525                                        Refreshments will be served.
616-363-0689                   Member SIPC
                                                              For our latest topic and to reserve
                                                              your spot: Call our office at 363-0689.

Sign up now to have your business included in the NEBA brochure for next year!!
                       2010 Membership Dues and Prepaid Lunches
           Business Name:__________________________________________________________

           Contact Person and Title:___________________________________________________


           Phone:________________________                          Fax:__________________________

           E-mail Address:__________________________________________________________

           Website: ________________________________________________________________

               Membership Dues                 $95.00                          $___________
            *Membership dues paid by 12/16/09- Company will be included in the NEBA brochure.
                      A $15.00 late fee will be added if you pay later than March 1.

               Membership Dues and Prepaid Lunch $225.00                              $___________
                     If you prefer to pay each month at the luncheon, cost is $13.00 per luncheon
                         * Please send the money no later than 1/21/2010 for prepaid lunches.

                                                 Please return to:
                                               Option 1 Credit Union
                                       c/o Lisa McCaffrey, NEBA Treasurer
                                              4211 Plainfield Ave. NE
                                             Grand Rapids, MI 49525
                                          Phone (616) 243-0125 Ext. 1301

                              Please keep this portion for your records
                                         North East Business Association
                                     2010 Membership and/or Luncheon Dues

         Amount Paid ______________                                    Date Paid _______________

NEBA Members                             4300 Plainfield Ave. Ste. C
Allstate Insurance                       Craig Terpstra 363-8808              Barnes Research Inc.
4920 Plainfield NE                                                    Peak Performance Chiropractic
Marilyn Johnson 363-7643           Hams Automotive                    4150 E. Beltline Ave NE Ste. 3
                                   1550 Rupert NE                     Dr. Michael Kwast 447-9888
Boulder Creek Golf Club            Matther Kossen 364-4001  
5750 Brewer Ave. NE
Amy Pollack 363-1330               Hense & Associates PC              Plainfield Charter Township
                                   2824 East Beltline Lane NE         6161 Belmont Ave. NE
Busy Bea Services                  Paul Hense 949-5555                Scott Harvey 364-8466
2070 Waldorf NW, Ste. A                                     
Cindy Locklin 284-4000             Holistic Care Approach LLC                   3368 Beltline Ct. NE
                                   Barb Meconis 361-9221              Plainfield Township Library
Charron & Hanisch               2650 5 Mile Rd. NE
4949 Plainfield Ave. NE       David Stracke 647-3939
Mark Hanisch 363-0300
                                   Independent Bank                   Presto Print
Chase Bank                         4200 E. Beltline NE                3409 Plainfield NE
5380 Northland Drive NE            Sherry Conklin 363-1207            Pam Olsen 364-7132
Jim Viewig 771-7023
                                   Innovative Counseling Solutions    Renee Lobert Williams, OD PC
Cheers                             4701 Plainfield Ave. NE Ste. C     2700 Five Mile Rd. NE Ste 102
3994 Plainfield Ave                My Lien, Kris Henderson &          Renee Williams 361-6612
Laurie Kelbel 363-1188              Andrea Rotzien         361-3398

Chemical Bank                      Kool Chevrolet                     Select One Insurance Agencies, Inc.
6011A West River Drive NE          3770 Plainfield Ave. NE            4596 Plainfield NE
Tiffany Reifsnyder 447-8789        Harry DeJong 364-9431              Richard Whiting 363-7736

Comerica Bank                      Lake Michigan Credit Union         Sign*A*Rama
4065 Plainfield Ave. NE            5453 Northland Dr. NE              5120 Plainfield NE
Marci Chapin 447-0650              Kristen Story 643-0621             Brian Burmania 447-7446

Compton Tax & Financial Services                                      State Farm Insurance
3610 Grape Ave. NE                 Macatawa Bank                      2730 Five Mile Road NE
Gayle Compton 363-2364             3177 Knapp Street NE               Bob Mills 363-7731
                                   Sharon Koop 361-5444
Credo Communications                  State Farm Insurance
3148 Plainfield Ave. Ste.111                                          5280 Northland Dr. NE, Ste A
Tim Beals 363-2686                 Mercantile Bank                    Jean Verseput 365-1300        3156 Knapp St. NE                Cathy Calveneau 406-4052
                                                                      The Lawn Ranger
Culligan                           Michael Dood Agency/Farmers Ins.   2051 Meek Dr. NE
Rob Dunn 791-7150                  3514 Plainfield Ave. NE            Brent Fields 866-2731            Mike Dood 447-3663
                                                                      The TMH Corporation
DeGraaf Interiors/Kemp Flooring    Northview Public Schools           259 Knapp Street NE
5282 Plainfield NE                 4451 Hunsberger NE                 Angela McDermott 363-2107
Mark Smith 363-3513                Kathi Wasserman 363-4857            Northview Manor         3740 Richton Ave NE                Vereecke, Simescu & Assoc. CPA’s
                                   Scott Graves 364-4690              678 Front St. NW Suite 230
Dykema Law Offices P.C.               Patty Hernandez 742-1300
4270 Plainfield Ave. NE  
Jayne Dykema 363-6611                                       
                                   Nylaan Dental, D.D.S., P.C.
Edward Jones                       5011 Plainfield Avenue NE
5020 E. Beltline Ave. NE,Ste G     Brian Nylaan 361-7317
Bob Maloof 363-0689      
Founders Bank & Trust
5020 East Beltline NE              Option 1 Credit Union
Christy Vierzen 575-3827           4211 Plainfield Ave. NE
                                   Lisa McCaffrey 243-0125 x1301
Goodlander, Swett & Rybicki
4462 Plainfield Ave., NE 
Michael Rybicki 361-1896