Mount Clemens, MI February 2024 by City Lifestyle

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LIFESTYLE LETTER

Love Local: Embracing the Heart of Mount Clemens

February 2024 PUBLISHER

Kimberly Janowicz | kimberly.janowicz@citylifestyle.com E D I TO R I AL C O O R D I N ATO R

Amy Salvagno | amy.salvagno@citylifestyle.com CONTRIBUTING WRITER

Amy Salvagno C O N T R I B U T I N G P H OTO G R AP H E R S

Kevin Shea, Pam Gors

Hello Friends, February is upon us, and love is in the air! We are thrilled to bring you a special edition that celebrates our vibrant community and the passion that flows through the streets of Mount Clemens. This month, our focus is on "Love Local," a celebration of the unique places, activities and endeavors that make our city so exceptional. Mount Clemens has always been a source of inspiration, and we want to share that love with all of you. Our pages are filled with stories of locals who have poured their hearts into making our city a haven of creativity and warmth. From the enchanting world of bird watching to the delectable delights of local chocolatiers that make your taste buds dance, we explore the myriad ways our community expresses love. Art lovers will be captivated by the tales of a local artist and his creative process, while those intrigued by the whimsical will find joy in the art of puppetry, a hidden gem in the heart of our city. But Love Local goes beyond individual pursuits — it's also about the collective love and care we show for those who need it most. This month, we shine a light on the compassionate souls dedicating their time to help the homeless. Their stories are a testament to the strength of our community and the power of love to create positive change. We want to hear your thoughts and experiences as you embark on this journey through Love Local. Share your stories, photos and reflections with us, and let's continue to build the tapestry of love that defines Mount Clemens. Thank you for being an essential part of our community, and here's to a February filled with love for our local treasures! Warm regards, K I M B E R LY J A N O W I C Z , P U B L I S H E R @MOUNTCLEMENSCITYLIFESTYLE

Corporate Team CHIEF EXECUTIVE OFFICER Steven Schowengerdt CHIEF OPERATING OFFICER Matthew Perry EXECUTIVE DIRECTOR OF HR Janeane Thompson DIRECTOR OF FIRST IMPRESSIONS Jennifer Robinson TECHNICAL DIRECTOR Josh Klein AD DESIGNER Rachel Chrisman LAYOUT DESIGNER Kathy Nguyen

Learn how to start your own publication at citylifestyle.com//franchise. Proverbs 3:5-6 Mount Clemens City Lifestyle™ is published monthly by Lifestyle Publications LLC. It is distributed via the US Postal Service to some of the Mount Clemens area’s most affluent neighborhoods. Articles and advertisements do not necessarily reflect Lifestyle

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L I F E ST Y LE LE T T E R

Publications’ opinions. No portion of this magazine may be reproduced in any form without written consent. Lifestyle Publications does not assume responsibility for statements made by advertisers or editorial contributors. Information in Mount Clemens City Lifestyle™ is gathered from sources considered to be reliable, but the accuracy of all information cannot be guaranteed.

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KRISTIE LOHMANN | REALTOR SINCE 2012 Klohmann@remax.net 248-568-3602 Cell | 586-799-8000 Office klohmann.remax-detroit.com Serving Macomb, Oakland, St. Clair & Wayne Counties

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inside the issue FE B RUA RY 2 0 2 4 | LOV E LO CA L

22 12

16 Featured

16 22 26 8

26 On the Cover

Master of Arts

Jeff Jantz combines his love of tinkering and technology to create unique works of art

A beautiful collection of locally crafted chocolates is art itself.

Designing Delicious Decadence A peek inside the craft of a chocolatier

A Bed All Their Own

One local nonprofit’s mission to bring stability to the homeless

Fond Feathered Friends

How to care for wild birds in the bitter winter

Photography: Kevin Shea

Departments 6

Lifestyle Letter

Business Monthly

Local Limelight ARTS + CULTURE

Culinary Creations FOOD + BEVERAG E

Inspired By LOCAL SERVICES

Must See LOCAL SERVICES

Trend Setter BEAUTY

Events

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FEBRUARY 2024

business monthly A R O U N D U P O F N E W S F R O M LO C A L B U S I N E S S E S

Interim Director Appointed at Anton Art Center The Anton Art Center has appointed Education and Community Engagement Manager Peggy DiMercurio to Interim Director, following the departure of Phil Gilchrist. Peggy has been an integral part of the Anton team since May of 2018, and her well-rounded experience with the organization and passion for arts, culture and community offers confident guidance while the art center searches for its next executive director.

Long-serving Nonprofit Executive Named to New Role Advancing Macomb has named Phil Gilchrist as its new executive director. In his new role, Phi will lead all aspects of the organization, including program oversight, financial administration, strategic planning and execution, marketing and public relations. Gilchrist brings an extensive background in nonprofit management, fundraising and community development, which will further Advancing Macomb's mission. Phil serves on several boards, including the Macomb County Art Institute Authority, the Mount Clemens Downtown Develop Authority and CultureSource.

Gourmet Market Presents Donation Toward Cancer Research Vince & Joe’s Gourmet Market presented a check for $9,300 to the Team Angels Foundation. Team Angels President and Founder Rosalba Pacella gratefully accepted the monetary gift at the Clinton Township location. The donation will go to Henry Ford West Bloomfield for breast cancer research. Vince & Joe's has been supporting the Team Angels Foundation since 2005, with more than $45,000 donated so far, thanks to customer donations from both stores.

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LOCAL ARTIST JEFF JANTZ COMBINES HIS LOVE OF TINKERING AND TECHNOLOGY TO CREATE UNIQUE WORKS OF ART

Master

of Arts ARTICLE BY AMY SALVAGNO | PHOTOGRAPHY BY KEVIN SHEA

LOCA L LIM E LIGH T | ARTS + CU LT U RE

Within Jeff Jantz’s imagination, science and art go hand in hand. Left brain and right brain are of the same mind. Screwdrivers and a paintbrush intertwine. The Mount Clemens native and founder of Janzter Studios has spent years perfecting the relationship between nuts and bolts and arts and crafts. “Art is like a science experiment,” Jeff says. “I love the combination of mechanics and aesthetics and the challenge of making it all work together.” CONTINUED >

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Jeff is a jack of all trades: Sculptor, craftsman, author, puppeteer, inventor and filmmaker. He’s as handy with a saw as he is with a sewing machine. Growing up, the self-prescribed tinkerer loved to draw and build; to take apart toys and put them back together; to carve, glue and paint until he had fashioned his own creation – and often, a story to go along with it. For more than a decade, he has poured his talents into not only creating unique works of art, but educating young minds. As a site coordinator for a STEM after-school program through Wayne State University, he has taught high school enrichment classes on 3D modeling, filmmaking, chess, photography, engineering and design. “For me, the most important thing I can teach students is critical thinking and creativity. I strongly believe we should teach students to think of creative solutions in all aspects of their education,” says Jeff. “With all that being said, I find it very gratifying when a student surprises me by coming up with a new approach to a project that was unexpected.” In 2017, Jeff published his first children’s book, “Gruel Snarl Draws a Wild Zugthing,” about a mischievous little alien whose mother offers him paper and crayons to keep him out of trouble. From his own imagination, Gruel dreams up an earthly child, and an unexpected adventure ensues. The uniqueness of this publication is how it was illustrated. Jeff used a technique he calls illustrative sculpture, which is similar

LOCA L LIM E LIGH T | ARTS + CU LT U RE

to techniques used in stop-motion animation. Here, he sculpts the character and then photographs the scene. He says when he sketches with clay, the character seems to jump right off the page. He also applies this approach at the beginning stages of creating his many puppets. Jeff molded his first hand-puppets, Blip and Zari, before they came to life a few years ago. The two aliens went on to host their own YouTube show, “Art on Earth,” in a quest to learn about humanity through the discovery of art, from walking paths to ballet to sculptures like Rodin’s “Thinker” at the Detroit Institute of Arts. The former welder and carpenter not only uses sculpture in his puppet making, but also nontraditional materials, turning the ordinary into something remarkable: A discarded CPAP hose is the springy tail of a dog; scrap wood forms a face; a bicycle brake handle wags the giant, furry tail of a shaggy wooly mammoth. Jeff’s studio logo features discarded toys, tools, a compass, and other odds and ends. All of the Gruel Snarl armatures are made from scrap electrical wire. Jeff has been commissioned to design several puppets, most recently Toto and the head of the wizard for the Ann Arbor-based Burns Park Players production of, “The Wizard of Oz.” Last fall, he also completed several original pieces for the StarKid theatrical production of “FireBringer.” The impressive saber-toothed tiger took three puppeteers to operate, and the wooly mammoth another two. “I really love the whole process of building a puppet. It involves so many materials and techniques, so I get an opportunity to utilize all the skills and tools I've been collecting over the years,” says Jeff. “When commissioned to build a puppet – or anything for that matter – I love the idea that I get to make something that didn't exist before. But with a puppet commission specifically, I also get to see something I created take on a life of its own when it gets into the hands of a talented performer.” Jeff is also in pursuit of a master's degree in theatrical scenic design at Wayne State University. “I’ve made a lot of sacrifices in my life so I could do the things I want, to have this creative outlet.” You can follow Jeff on Instagram @jantzerstudios, and visit the Janzter Studios YouTube channel to view behind-the-scenes videos of his work.

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Designing Delicious

Decadence A PEEK INSIDE THE CRAFT OF A CHOCOLATIER

ARTICLE BY AMY SALVAGNO | PHOTOGRAPHY BY KEVIN SHEA

C ULIN A RY C R E AT ION S | F OOD + BE VE RAGE

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“We’re making edible art that is not only visibly enjoyable, but also delicious. I love serving up this experience to customers.” — ANNA RIZZO

There is something beautiful about a box of chocolates – the sculpture-like shapes, the delicate details, the galaxy of colors. And once you understand the mastery required to create this cherubic confection, you can fully appreciate each flavor as it melts on your tongue. At Champagne Chocolates, owner Anna Rizzo says they focus on pulling out the natural undertones of chocolate. Some are fruity; some have notes of nuts. In her luxurious truffles, the most sought-after sweet, a mixture of heavy cream and chocolate is combined with unique and meticulously conceived fillings: Fresh raspberries and strawberries; steeped lavender; rose hip; toasty espresso; slow-cooked sea salt caramel; rich mocha; buttery toffee. The truffles are tempered, cooled and then either piped into a polycarbonate mold or enrobed, when the center is made first and then coated with a layer of chocolate. Anna and her staff then decide how to garnish each hypnotically gorgeous truffle: Hand-painted, hand-striped or dusted with gold luster, as the champagne chocolates are.

C ULIN A RY C R E AT ION S | F OOD + BE VE RAGE

“We try to give you a hint as to what you’re eating, and use bold, brilliant colors,” she says, adding that the art of decorating each truffle is truly a learned craft. “There is a finesse and skill needed to drizzle a stripe or pipe a pattern.” No two chocolates are alike. Some have intricate patterns, while others look like little sculptures. They are flawless and satiny, a slow dance for the senses. A rich, confectionery scent wafts through the air in the small-town chocolate shop that has been a staple for the last 25 years. It’s a perfume that can make visitors swoon before they’ve even made it to the candy counter. “It’s fun working with chocolate,” Anna says. “We’re making edible art that is not only visibly enjoyable, but also delicious. I love serving up this experience to customers.” Champagne Chocolates is also known for its hand-crafted dark and milk chocolate toffees, as well as gourmet chocolate bark that encases fresh pecans, dried Traverse City cherries, raisins or sea salt. You can visit the shop at 65 Macomb Place, Suite E, in downtown Mount Clemens or visit www.champagnechocolates.com.

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ONE LOCAL NONPROFIT’S MISSION TO BRING STABILITY TO THE HOMELESS

A Bed All Their Own ARTICLE BY AMY SALVAGNO

The King Family

I NSP IR E D BY | LO CAL S ERVICE S

“

I f it wa s n’t fo r t h i s o r g a n i z at io n ,

“

I d o n’t k n ow w h e re we ’d b e t o d ay.

Four years ago, Ashley King received news no mother could imagine: Her 3-year-old little boy, Eddie, had leukemia. Far along in a pregnancy with her second child and at the height of the pandemic, the stayat-home mom faced added heartbreak. Rather than remain at her son’s bedside while he fought the illness, her doctor asked her to stay away from the hospital to protect her unborn baby. This meant Ashley’s husband, Bryan, had to walk away from his job to be Eddie’s main caretaker and advocate. Before the couple realized it, they were drowning in credit card debt and months behind on their mortgage payment. “No one talks about the financial struggle of everything when you’re walking through something like this,” says Ashley, who delivered a healthy baby girl, Susie, in March of 2021. “It’s a vicious cycle.” She shared her financial struggles with her sisterin-law, who pointed her to the organization, Hearts for Homes. Led by Executive Directors Karan BatesGasior and Christa Carpenter, the nonprofit aims to end child homelessness in Macomb County. “She truly was a godsend. She was so fast with responding to me, she was already on top of it,” Ashley recalls. “By the following week, she paid what we were behind on. She went above and beyond. It was just amazing.” Within the year, Bryan was able to return to work and catch up financially. Karan’s good-hearted gesture through Hearts for Homes gave the Clinton Township family peace of mind so they could focus on Eddie’s cancer fight. And last March, the now 6-year-old rang the bell, signaling the end of his cancer treatment. “If it wasn’t for this organization, I don’t know where we’d be today,” says Ashley. “I can’t express how grateful we truly are. Their generosity toward our family is just wonderful.”

The King’s story is a bright light in a season when so many struggle – and often, most people aren’t even aware that it’s a problem. In Macomb County, there are more than 1500 school-age children who suffer from homelessness, and that doesn’t include younger siblings. Some live in cars, some on the street, some in hotels, on friends' couches or relatives’ basements. These children are usually at least a grade behind in school and face struggles most their age never do, from proper hygiene to clothing to social challenges. “There are not enough places for homeless people to go. And most are definitely not choosing to be homeless. I feel bad for the kids. They didn’t ask for this, they didn’t make a bad choice. They’ve done nothing wrong, but here they are,” says Karan. “There’s just not much of a safety net for families. It’s not that people are lazy. Most of the parents are working, but child care is so expensive.” Hearts for Homes was launched in 2017 by community and religious members who recognized an issue with families who were homeless and working, but couldn’t make the jump to safe housing. They could afford rent, but not the security deposit and first month’s rent, Karan explained. The founders’ dream was for every child to have their own bed in a safe and stable home. Today, the mission remains the same – to assist homeless or low-income families in obtaining safe, decent and affordable housing. Karan joined the organization in 2022 and raises funds, pays the bills and works with the clients. Those who receive needed help either call or email Hearts for Homes, or Karan receives referrals from homeless liaisons at schools. Some families have suffered a house fire; some have fled a domestic situation; some have faced unforeseen circumstances and can’t get ahead. Real affordable housing is now more than 50 percent of a family’s income, which is not sustainable. CONTINUED >

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For Hearts for Homes to be able to help, children must be involved, the family must have a source of income and once they’re in the door, they must be able to pay their rent going forward. Additionally, Karan looks for other ways to support them: financial literacy so they know how to budget and manage their money; directing them to local food pantries; and finding them some household items, from large items, like bunk beds, microwaves and vacuums, to even the smallest accessories, like pillows, blankets, towels and garbage cans. She has created a network of other organizations and churches – Macomb Community Action, Macomb Charitable Foundation, Good Shepherd Coalition,

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Trinity Utica and Shepherd’s Gate churches – and jokes that she even has St. Vincent de Paul on speed dial. “To work with them has been fabulous. We have people giving us furniture and others that can help us move it. They’re helping us get pantry starter kits together with cleaning supplies, brooms and buckets and getting families settled into their house without spending a ton of money to do so,” she says. “There is a difference between needs and wants, and what we take for granted is unattainable for these families. This gives you such perspective, to be grateful for having a garbage can,” says Karan. Last year, Hearts for Homes was able to help 55 families and 109 children move into a home. Still, it’s only a small dent in a growing predicament.

“For the families we do help, we’re making a difference by putting a roof over their heads. Unfortunately, the hard days outnumber the good days,” Karan admits. “I will tell you the impact of those doing this kind of work is really hard. Some days I come home and tell my husband, ‘It was a real soul-sucking day.’ Ten people called and I can’t help most of them. There are four kids and a mom living in a car; how are they going to be successful if this is their life? How can they do their homework, get enough sleep and get enough to eat? It’s heartbreaking.” Karan worries that Hearts for Homes will run out of money – there is more need than she can afford to do something about, she says. The last few years have proven difficult in receiving private grant money, and there are only so many government agencies that can give assistance.

“Part of my advocacy for this is we need better child care in place,” Karan explains, recalling a single dad and full-time painter who lost his job because he couldn’t find anyone to take care of his children. “I’m horrified by the whole situation. It’s a vicious cycle. Which comes first? You need child care to get a job, but you need a job to pay for child care.” Karan has worked in the nonprofit sector for 20 years, and says it's easy to get burned out. “I see a lot of need and it’s hard when you know you can’t help everybody and provide all those needs. It’s really sad. Anybody can end up in that situation, you never know.” Karan says Hearts for Homes always welcomes monetary donations and items like furniture and pantry contributions. You can find out more about the organization by visiting hearts4homes.org. Reach out to Karan by emailing her at help@hearts4homes.org.

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EN D

F F ON D

R E E H D T A F E

HOW TO CARE FOR WILD BIRDS IN THE BITTER WINTER ARTICLE BY AMY SALVAGNO | PHOTOGRAPHY BY PAM GORS

M UST SE E | LO CAL S ERVICE S

As we take time this month to spread kindness and love to those around us, we can’t forget to also care for our feathered friends. Birds bring life to a bleak outdoor winter landscape and provide enjoyment when we take time to sit and observe them. Yet, while we marvel at the beauty of a snowy day, we may not realize that the harsh winter can pose a challenge to wild birds. The reason these cold months are hardest for them, says Bob Gors, owner of Wild Birds Unlimited, is because any of the natural food remaining from fall and early winter, like nuts, acorns and berries, has now been consumed. “March and April are the perfect storm for birds,” adds Pam Gors, Bob’s wife of 27 years. “Very few insects and spiders have emerged and red-winged blackbirds and grackles arrive in great numbers in late February, so there is more competition for the remaining food.” Additionally, she says, goldfinches are molting into their breeding plumage and the process of replacing old feathers with new ones takes a lot of energy. Birds are starting to battle for territory as their hormones start to ramp up for the mating season. Supplemental feeding is critical so birds can go into the nesting season strong and healthy. For the past nine years, Wild Birds Unlimited has been a go-to source for bird aficionados and those just learning how to care for their winged neighbors. Bob and Pam, both outdoor enthusiasts,

are able to provide expertise on our year-round residents, such as cardinals, chickadees, Blue Jays, woodpeckers and finches, as well as seasonal visitors like Dark-eyed Juncos. And they have the answers for shoppers interested in the second-largest hobby in the country. “It’s not uncommon for us to spend up to an hour talking to a new customer,” says Bob, who spent more than 30 years as an IT project manager before opening the Macomb store. “A lot of first-time customers have been back multiple times. They never realized it was so enjoyable to feed the birds. Most of us are on a first-name basis and I know exactly what they’re going to buy.” The charming shop brings the beauty of nature indoors, offering bird baths (even heated ones), roosting boxes, cards and gifts. The shop staple, its loose No-Mess Blend, is 100 percent edible and absent of any filler or added vitamins, which are unnecessary for wild birds. The blends are delivered fresh each week and feature seeds that have had their shells removed. Seed cylinders are also a popular pick as a longer-lasting option to feed birds. Pam is an Advanced Master Gardener and was recently certified as a Michigan Master Naturalist. “I think this background influenced some of the decisions we’ve made in our store,” she explains. Every May, the store has a native plant giveaway with a minimum purchase. The store gives away 200-300 CONTINUED >

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M UST SE E | LO CAL S ERVICE S

seedlings from Pam’s own greenhouse, with information on how and where to plant the species, whether it's meant to host butterflies or provide nectar for hummingbirds or seeds for birds. “My favorite part is when customers come back and tell me how well the plant has grown and how much they like it.” “Growing up in the 60s and 70s, watching TV shows with a general store, that’s what I envisioned with this. And to an extent, that’s what it’s become. We have customers tell us it’s their favorite place to shop. We have a quality product and give quality service,” Bob says. “And I have a great staff that enables me to do speaking engagements and make deliveries.” You can find all you need to take care of birds to keep them healthy and happy all year round by visiting Wild Birds Unlimited, 20241 Hall Road in Macomb, or at macomb.wbu.com.

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CELEBRATE THE BEAUTY OF ROMANCE

T R E N D SE T T E R | BEAUTY

ARTICLE BY AMY SALVAGNO

February is for roses and romance, candles and chocolate, sweethearts and suitors. It’s a time to cherish the special love that causes your heart to flutter, whether it has lasted decades or developed within only a few days. No matter who you hold dear, embrace the opportunity to express your affection and appreciation, from a thoughtful gift to an elegant dinner to tenderly-penned prose. In honor of the month of love, we bring you a gem from the local history books: A poem written in 1939 by Norma Ferren, a then-student of the Creative Writing Club at Mount Clemens High School. Share it while you’re cuddled up with your special someone this Valentine’s Day.

“EVENTIDE”

All day the wind’s been silent The birds have all been still And the maples, never stirring Stood quiet on the hill. All day the world’s been waiting In hushed expectancy; And now it comes again to life – My love’s returned to me!

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FEBRUARY 2024

events A SELECTION OF UPCOMING LO C A L E V E N T S

JANUARY 20 TH - 27TH

Exhibits at Anton Art Center Anton Art Center, 125 Macomb Place, Mount Clemens, MI | 10:00 AM The Outdoors exhibit, juried by Lori Zurvalec, features artwork by members of the Lakeside Palette Club of St. Clair Shores, Mount Clemens Art Association, Romeo Guild of Art, Shelby Township Fine Art Society and Warren Tri-County Fine Arts, Inc. It runs January 20 - February 27. Michigan Annual LI is the 51st statewide fine art competition and exhibition juried by Meighen Jackson and runs January 27-February 27. For more information, visit theartcenter.org or call (586) 469-8666. FEBR UARY 1ST

Planning a party for any reason?

With A Twist promises to make it special! We handle everything needed for full bar service including specialty drink design, alcohol estimation, and provide all equipment needed for your full bar including all supplies.

18th Annual Fire & Ice Chili Cook-Off Pub Crawl Fundraiser

Downtown Mount Clemens | 6:00 PM Local establishments will compete for the chili cook-off crown. The winner is selected through scores delivered by pub crawl attendees. All proceeds benefit the Anton Art Center and the Mount Clemens Goodfellows. For more information, call 586-469-4168. FEBR UARY 3 R D - 4 TH

18th Annual Mount Clemens Downtown Ice Carving Show Downtown Mount Clemens | 12:00 PM

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Live ice carving demonstrations take place at the Fountain Stage on with ice sculptures displayed along Macomb Place and the Cherry Street Mall. For sponsorship information, call (586) 469-4168, or visit downtownmountclemens.org for more information. CONTINUED >

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W ED DIN G S | BIR T H DAYS | A N NIV ER SA RIES H O LIDAY PA R TIES | FU N ER A L WA KES M EN TIO N T HIS CIT Y LI FES T Y LE A D AN D R EC EIVE $ 100 O FF YOU R E V E N T. Ad must be mentioned at the time of booking. Not valid on previously booked events.

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FEBR UARY 16TH

ShamRock Jazz Orchestra

with winter savings No matter what your reason for saving, or what your goals are, we have great options! Lock-in a great rate with a CD

Maintain and move when you need it

5.40 4.50 %*

APY

15-Month CD

%**

APY

Emerald Theatre, 31 N. Walnut, Mount Clemens, MI | 7:00 PM The ShamRock Jazz Orchestra will entertain you with music from the 60’s, 70’s and 80’s! In addition to pure jazz, the SJO pays tribute to Led Zeppelin, Chicago, Stevie Wonder, Michael Buble’, The Blues Brothers and more. The allstar orchestra is made up of former East Detroit High School Jazz Band alumni spanning 4 decades. Reserve tickets at theemeraldtheatre.com.

Money Market On balances $25,000+

4.00% apy On balances $5,000 - $24,999.99 3.50% apy On balances $1,000 - $4,999.99

To open an account, scan the QR code, visit your local branch, or online at fsb.bank/winter-savings

FEBR UARY 16TH

The Chipper Experience Macomb Center for the Performing Arts, 44575 Garfield Rd., Clinton Twp, MI | 7:00 PM Get ready to laugh at two-time “Comedy Magician of the Year” and 25-year performer, Chipper Lowell. Chipper’s show blends clean comedy, original magic, mentalism, audience interaction, bizarre juggling stunts and improv, and provides a memorable experience for all ages. For tickets and more information, visit macombcenter.com. FEBR UARY 24 TH

Frozen Sing-Along Balances are fully insured up to the FDIC’s allowable limits. *Annual Percentage Yield (APY) as of 11/06/2023. Rates on certificates of deposit accounts are fixed for the duration of the term unless otherwise disclosed; fees could reduce earnings; penalty may be imposed for early withdrawal on Certificate of Deposit accounts. You must deposit at least $1,000 to open the 15-Month CD and earn APY. Deposits must be new funds to First State Bank. Current First State Bank customers are eligible to make a one-time transfer from another First State Bank account of up to $25,000 with the deposit of $5,000 or greater in funds new to First State Bank. Limit one account transfer offer per tax-reported owner. Promotional offer subject to change or cancellation at any time. **Annual Percentage Yield (APY) accurate as of 11/06/2023 and subject to change. This is a variable rate account and the interest rates and APYs may change at any time. Limited time offer. Limit one account per Tax ID. Balances from $1,000 to $4,999.99 earn 3.50% APY. Balances between $5,000-24,999.99 earn 4.00% APY. Balances $25,000+ earn 4.50% APY. Promotional rate guaranteed for 12 months from date of account opening. Other terms and restrictions apply. A minimum of $1,000 to open account and earn APY. Deposits must be new funds to First State Bank. Current First State Bank customers are eligible to make a one-time transfer from another First State Bank account of up to $25,000 with the deposit of $1,000 or greater in funds new to First State Bank. Fees may reduce earnings. Make up to six withdrawals per monthly statement cycle via ATM, in-branch transaction, or online transfer. After six withdrawals, an excess transaction fee will apply for each withdrawal. Interest may be reported on a form 1099-INT for tax purposes. Limit one account transfer offer per tax-reported owner. Promotional offer subject to change or cancellation at any time. Promo Code: MMKT2023

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Mount Clemens Pubic Library, 150 Cass Ave., Mount Clemens, MI | 11:00 AM Join the Mount Clemens Public Library in a heartwarming sing-along to the animated movie, “Frozen.” Guests are encouraged to dress up for the event where they can belt out favorites from Anna, Elsa and Olaf. Registration is not required. For more information, call (586) 469-6200.

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Approaching 65...or new to Medicare and confused by your options?

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This is an advertisement. HealthMarkets Insurance Agency, Inc. is licensed in all states. Product availability varies. Agents may be compensated based on enrollment. No obligation to enroll. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.