community


By Alisa Green and Jennie Flowers State Farm® agents


THE MICHIGAN CHRONICLE


Getting the best deal on a new vehicle


The purchase of a new ve-


hicle is often based on emo- tions rather than on objective decision-making. To ensure that you get the best deal, here are a few simple steps you can follow.


First, you must determine


your need for a new vehicle. Would a used vehicle fit your need? Advertising is often in- tended to entice customers into buying a new car. With the appealing ads, customers often get dreamy visions of owning a new vehicle. Before entering a car dealership, make sure you’re acting on need rather than want.


After you’ve determined


that you need a new vehicle, research the vehicle’s cost and determine what price you’re able to pay.


It’s important to know the


dealer’s invoice cost of the ve- hicle before speaking with the dealer. Information on vehicle pricing can be readily found in many printed pricing guides and web sites including, www. consumerreports.org and www.kelleybluebook.com.


Now, you’re ready to speak


with the dealer.While negoti- ating the purchase price, it is important to keep your focus on the dealer’s invoice cost and how much you’re will- ing to pay. Dealers talk about the Manufacturer’s Suggested


Jennie Flowers


Retail Price (MSRP), or sticker price; however, to avoid over- paying, know the dealer’s in- voice cost for the vehicle and negotiate up from there, allow- ing a fair profit for the dealer.


Avoid beginning to bargain


at the sticker price and negoti- ating down.


Only after you and the


dealer have settled on a pur- chase price is it time to begin shopping around for the best financing deal – should you finance or pay cash; should you go for the rebate, special dealer financing or finance the purchase through a bank; should you use a home equity loan for financing?


When it’s time for you to


make a vehicle purchase, a variety of loan payment calcu- lators are available on state- farm.com®


to help you make


educated financial decisions. Compare Financing Options Dealer


Bank Financing Financing NCNW Founder’s Day Luncheon The Detroit Section of the


National Council of Negro Women (NCNW) will host its 54th Founders’ Day Luncheon on Saturday, Dec. 11, at the Barrister House, 21801 Harper, in St. Clair Shores, from 11:30 a.m. to 2 p.m. The keynote speaker will be Dr. Thelma Daley. The theme of the event is “Empowering Young African American Women for Tomor- row.”


The NCNW was founded


and organized in 1935 by Mary McLeod Bethune, who was a child of slave parents, distin- guished educator and govern- ment consultant. NCNW is a non-profit organization with a mission to lead, develop and advocate for women of African descent as they support their


Dr. Thelmna Daley


families and communities. For over 40 years the late


Dr. Dorothy I. Height lead NCNW in addressing issues


of human welfare and rights through public education, community service and advo- cacy. The NCNW-Detroit Sec- tion was established in 1940 to incorporate the mission of the national organization throughout the greater the De- troit community and contin- ues to serve today.


Keynote speaker Daley


not only worked side by side with the late Dorothy Height, she has and continues to be a strong figure in Washing- ton, D.C., instrumental in per- suading government officials inclusive of President Obama, to initiate programs that posi- tively the quality of life for Americans.


For more information, visit www.ncnwmetrodetroit.org.


Cornerstone Bistro, an inspiration


By Martha G. Scott I am exceedingly proud


that the newest gem of fine dining in Michigan is located right in my hometown of High- land Park. In August, Detroit Rescue Mission Ministries (DRMM) opened Cornerstone Bistro in the Donald F. DeVos Center at 13130 Woodward Avenue in Highland Park.


The restaurant is operated


by DRMM’s Culinary & Hos- pitality Arts Program. DRMM clients who are learning a trade through the catering program at Wayne County Community College have the opportunity to work at this fine establish- ment.


I have already had the privi-


lege of eating at Cornerstone Bistro several times, and the food, staff and atmosphere are second to none. It con- centrates on affordability and quality while serving as an en- vironment for teaching, facili- tating and training recovered clients to manage, cook and serve at a restaurant.


Trainees completing the


culinary program and their work at Cornerstone Bistro will be able to find skilled jobs that pay higher wages, helping them on their path to recovery and self-sufficiency. According to the Michigan Restaurant As- sociation, more than 400,000


people in Michigan are em- ployed in restaurants. It is a stable industry that feeds our local and state economies.


Detroit Rescue Mission


Ministries is Michigan’s larg- est provider of rehabilitation services, most notably in the City of Detroit. Founder David C. Stuckey started DRMM in 1909 as the City Rescue Mis- sion with little more than an empty building and a pantry of canned food. Since then, DRMM has been responsible for the physical, mental and social rehabilitation of tens of thousands of Detroiters seek- ing hope.


DRMM operates a number


of different shelters around the Detroit area, each focusing on a specific population. They include a shelter for teenaged mothers, two mental health and rehabilitation shelters, treatment centers, transitional housing and permanent hous- ing.


Last year, 3,878 people


were provided with emergency food and clothing while 4,182 individuals were provided with emergency shelter for up to three months. DRMM gives at least 230 men, women and children food, clothing, coun- seling, and a warm place to stay on any given night. Almost 7 percent will be encouraged to enter a substance abuse or detoxification program. DRMM


is proud to have assisted in the permanent housing place- ment of nearly 55 percent of its entire population, both men and women.


DRMM is committed to


sharing the Gospel of the love of Jesus Christ, providing hope to the hopeless, disad- vantaged, abused and home- less men, women and children of our community. In rebuild- ing the inner city, one life at a time, by ministering to the total person – body, soul and spirit – they help them become faithful Christians, discipled into a local church, rehabili- tated, employed, and living productive lives in restored families.


Cornerstone Bistro is yet


one more example of DRMM helping people to live produc- tive lives. It is not only teach- ing a valuable trade to its staff, it is also providing a much- needed dining establishment to Highland Park, generating economic development and civic pride. It also provides some welcome variety in a city that before only offered fast food restaurants.


I hope to see you soon –


Cornerstone Bistro is open for breakfast and lunch, 7:30 a.m. to 2:30 p.m., Monday through Friday.


Martha G. Scott is Wayne County Commisioner-elect.


Be a part of history


Where were you in 19--? Share with us where you were in 19-- . Send us your vintage photos showing us where you were and we’ll publish it in our 75th Special Editions For more information


Call Trina 313-963-5522 ext. 251 P097198 04/09


Jennie C Flowers Ins Agcy Inc Jennie Flowers, Agent 8322 Cooley Lake Road


Commerce Township, MI 48382 Bus: 248-363-4747


PD Dandnaik, Agent 24300 Joy Road Redford, MI 48239 Bus: 313-817-1000


Ivy Fields-Releford, Agent 2925 Walton Blvd


Rochester Hills, MI 48309 Bus: 248-375-0510


Alisa O Green Ins Agcy Inc Alisa O Green, Agent 29610 Southfield Road Southfield, MI 48076 Bus: 248-559-0000


John Cash, Agent 19203 Grand River Avenue Detroit, MI 48223 Bus: 313-537-1200


Veronica R Murff, Agent 24360 Novi Road Novi, MI 48375 Bus: 248-380-6446


Vev Tripp Ins and Fin Svcs Inc Vev Tripp, Agent 24530 Gratiot Avenue Eastpointe, MI 48021 Bus: 586-772-7474


Save an average of $696*


Let us show you how fast your savings could go from zero to $696 when you combine home and auto policies with State Farm.®


Like a good neighbor, State Farm is there.® CALL AN AGENT FOR A QUOTE. Alisa Green


Annual Percentage Rate 3.9%


7.0%


Purchase Price $16,000 $16,000 Down Payment


Dealer Rebate $


Amount Financed Monthly Payments


-$1,600 -$1,600 $14,400 $14,400 -0-


-$ 1,000 $14,40 $13,400 $ 324.49 $320.88


(48 months) The above comparison as-


sumes monthly payments on a 48-month term, $16,000 vehi- cle loan with a down payment of $1,600. One loan is 3.9% APR with no manufacturer’s rebate, and the other loan is 7% with manufacturer’s rebate of $1,000. Rates may not re- flect current interest rates. Example is for illustration purposes only.


Come in for a test save.


November 10-16, 2010


Page B-3


Charlotte Knight, Agent 7100 W Seven Mile Rd Detroit, MI 48221 Bus: 313-340-9000


T Kenneth Walton Ins Agcy Inc Ken Walton, Agent 26117 Grand River Redford, MI 48240 Bus: 313-534-4300


James H Martin Ins Agcy Inc Jim Martin, Agent 13650 W. 8 Mile Road Oak Park, MI 48237 Bus: 248-399-6260


Eric D Huffman Ins Agcy Inc Eric D Huffman, Agent


3031 W. Grand Blvd., Suite 568 Detroit, MI 48202 Bus: 313-875-3172


Dwight E V Jones, Agent 29706 Grand River Ave Farmington Hills, MI 48336 Bus: 248-476-0030


Dolapo T Shodipo, Agent 9005 Joseph Campau Street Hamtramck, MI 48212 Bus: 313-875-1955


Teleese O Nobles, Agent 145 Haggerty Canton, MI 48187 Bus: 734-981-2050


Anthony D Massey, Agent 15 E Kirby Street, Suite 112 Detroit, MI 48202 Bus: 313-873-3334


Kenya Wells, Agent 13318 E Jefferson Detroit, MI 48215 Bus: 313-822-KW4U


Michelle Sims Ins Agcy Inc Michelle Sims, Agent 2785 South Fort Detroit, MI 48217 Bus: 313-928-1348


Beverly Lochard, Agent 16704 15 Mile Road Fraser, MI 48026 Bus: 586-296-1616


Glenda McGuire Ins Agcy Inc Glenda McGuire, Agent 26600 Gratiot Ave. Roseville, MI 48066 Bus: 586-771-4050


statefarm.com®


*Average annual household savings based on national 2009 survey of new policyholders who reported savings by switching to State Farm. State Farm Mutual Automobile Insurance Company, State Farm Indemnity Company


State Farm Fire and Casualty Company, State Farm General Insurance Company, Bloomington, IL


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