Women in Business by Billings Gazette

women

business Advertiser Index:

Colleen Black & Company, P.C. ..............1 Kibler & Kirch..........................................1 Pierce Flooring & Design ........................1 Salon Avalon ..............................................2 A Haus of Realty .......................................2 Permanent Cosmetic Clinic .....................2 Bauer & Clausen Optometry...................2 Advanced Employment ............................2 Rocky Mountain Bank .............................3 RE/MAX of Billings .................................4 American Mortgage .................................4 City Brew ...................................................5 Fiberworks ................................................5 Second Time Clothier...............................5 Prudential Floberg Realtors....................6 Landmark Realtors ..................................7 Country Cottage .......................................7 Beetle’s Auto Body ....................................7 Wallinder Mortgage Brokers ..................7 M & M Properties ....................................7 Guild Mortgage Company .......................7 Mary’s Health Foods ................................8 First Interstate Bank ................................8 TootieScrubs ..............................................8 Scandia Down............................................8 Glover Realty Group ................................8 Arrowhead Marketing .............................8 Bank......................................9 Yellowstone Bank ......................................9

Women in Business is a special advertising publication of The Billings Gazette.

Sales & Marketing Director Dave Worstell Special Sections Coordinator Linsay Duty Section Designer Katherine Jore Access Women in Business online at www. billingsgazette.com/ specialsections

The importance of marketing your soft skills in the job search ARA As many Americans continue to search for employment, everyone is looking for ways to make the most of every interview opportunity. Of course, a good resume will reflect your technical training and experience. However, there is more to your overall qualifications than that. Your soft skills are an important part of the whole package. Two professionals at Brown Mackie College - Boise offer advice to help you make a more comprehensive case as an optimal candidate for the position you seek - a case that includes your soft skills. Barbara J. Schafer, director of Career Services, and Carilyn Penrod, Human Resources coordinator, work daily helping students and graduates to be ready to enter today’s workforce or preparing them to enhance their current professions. “The workplace remains highly competitive in terms of finding a job,” says Schafer. This is evidenced by the current unemployment rate. A U.S. Department of Labor Bureau of Labor Statistics press release reports a slight drop in the national unemployment rate, dipping to 8.2 percent in March 2012. While the number of new jobs created was fewer than the job gains in recent months, the sectors showing growth include hospitality, health care and financial services. No matter what field interests you, it is beneficial to include your soft skills in your pitch. “Before you can market your soft skills, you must know what they are. Soft skills are personality traits; the things that make you who you are,” says Schafer. “You seldom learn soft skills in trade school or college. They are life skills that you develop through your experiences.” “Confidence and a positive attitude are important soft skills that many employers value as much as technical ability,” says Penrod. Examples of other soft skills include a strong work ethic, flexibility, time management skills, good communication skills and working well in a team environment. You may already have some of these characteristics listed on your resume without realizing that you are marketing your soft skills. “The main items I look for in an interviewee, apart from hard skills, are self-confidence, eye contact and a firm

handshake,” says Penrod. These soft skills, combined with integrity, appropriate dress and good grammar, can be collectively defined as professionalism. “Listening skills matter, too. Is the candidate paying attention to what I’m saying? Is the candidate providing thoughtful responses?” All of these attributes combine to create an element of trust between employer and applicant. Listing your soft skills on a resume is a good way to introduce them to a prospective employer. However, you will need to prove you actually have them by providing examples of how each manifests in your work. “If you say you have good communication skills, you must be able to explain this well in an interview,” Schafer says. “Failure to do so will convince the employer that you really don’t have good communication skills. This holds true with any skill, hard or soft. Know yourself and address it confidently with the employer.” “The initial interest a prospective employer will have in you will be for your hard skills, your ability to perform the technical part of the job. In the end, however, the things that will help you seal the deal on that interview will be your ability to market your soft skills and match them to the position,” says Schafer.

confidence strong work ethic flexibility communication team player

Special Feature: Women in Health Care....................pages 10-12

proudly supports breast cancer awareness. October is breast cancer awareness month and Pierce Flooring and Design is going pink to raise awareness of breast cancer. On October 2, 2012, Pierce Flooring and Design is hosting the first annual all-women’s Pierce goes Pink Golf Classic at the Yellowstone Country Club. All proceeds raised from this tournament will go towards breast cancer awareness to help put us one step closer to finding a cure.

Knowledge. Performance. Teamwork.

Pink

Goes

1st AnnuAl

Women’s GolF tournAment oCtoBer 2

1925 Central (406)248-1040 (877)302-1040

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Yellowstone Country Club

2012

1st ANNUAL WOMEN’S GOLF TOURNAMENT

OCTOBER 2, 2012 Yellowstone Country Club

scramble format. noon shot gun start. $ 75000/4 person teAm.

Complimentary beverages on the course. appetizer’s & wine following play during

• Green fees for 18 holes, 2 carts per team. • Range balls on practice area before the tournament.

• Tournament participant gifts. • Chance to win hole in one prize. • Chance on 50/50 event.

LIKE US FOR INFORMATION AND UPDATES

AWArds presentAtion.

Funds raised go towards Breast CanCer awareness.

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For questions or information contact Paige Clendenin

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FLOORING BY

Women in Business

Sunday, September 23, 2012

For career success in today’s tough economy learn the G.L.O.W. method ARA Good is just not good enough for many employers today. As companies look to do more with less, hiring managers are drawn to those job candidates who stand out from the crowd and clearly illustrate the value they bring to an organization. If current employment trends didn’t make landing your dream job tough enough, a gap between the skills hiring managers value in a candidate and how job seekers describe their own skills presents additional challenges. According to the annual Job Preparedness Indicator from CareerAdvisoryBoard.org, more than half (56 percent) of job seekers are confident they know what qualifications are required for employment. Yet, only 14 percent of hiring managers reported that “most” or “nearly all” job candidates, over the past three years, have had the skills their company looks for in a potential employee. J.T. O’Donnell, career strategist and author of “CAREEREALISM: The Smart Approach to a Satisfying Career,” suggests that job candidates need to learn how to G.L.O.W. in order to close the employercandidate disconnect and shine brightly among an ever more competitive job market. Here’s how to G.L.O.W.: G - Gain perspective Take a step back and assess your situation. “No two people are alike,” says O’Donnell. “You have to figure out what’s important to you in your life and career. So, evaluating your values, preferences and interests will provide you with a customized plan and increase your ability to achieve success.”

back to school for the right education and careeroriented skills set,” says O’Donnell. “However, there are excellent options like DeVry University, which provides flexible onsite and online scheduling so you can maintain current responsibilities while pursuing your dream career.”

W - Work it daily Keep your goals in the forefront of your mind so that you’ll take steps every day, no matter how small, L - Luminate your goal to get closer to them. Display your goal where you To “light up” your career goal, break down your preferred position into a list of “must haves,” “nice to can view it throughout the day. You should also ask yourself at least five or six times a day, “Is what I’m haves” and “don’t wants.” Let these criteria act as a compass to guide you toward your career destination. doing right now helping me achieve my goals?” A truthful answer to this question can be very enlightA vivid mental image of yourself as a success will keep you motivated and moving forward when things ening. get tough. If you are just starting your career out of college or are a mid-career professional seeking change - whethO - Own your actions Be ready and willing to put forth the effort required er climbing higher in your current field or switching to a completely different industry - applying the to make change happen. “Some requirements will G.L.O.W. method will brighten your future. seem more daunting than others, like having to go

Learn how to G.L.O.W. in order to close the employercandidate disconnect and shine brightly in a competitive job market.

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of job seekers are conﬁdent they know what qualiﬁcations are required for employment

Breaking through the glass ceiling As difficult as it can be for women to advance, there are ways to break through. In 2009, a report by Bloomberg News discovered that many women in top CEO positions earned As the old saying goes, “A woman’s work is never done.” substantially more than their male counterparts. Female CEOs Unfortunately, many women find this adage still rings true, of Yahoo!(R), PepsiTM and KraftTM earn salaries as high as particularly in regard to the workplace. $45 million. According to the AFL-CIO, the average 25-year-old woman Despite progress, there are still many women earning less and who works fulltime, year-round until she retires at age 65 will getting left behind. There are strategies women can employ to earn $523,000 less than the average working man. The U.S. Department of Labor says that women earn roughly 20 percent change this. Be more aggressive in negotiations. When negotiating salless than men. Though women have made large advances toward economic equality, a disparity in pay between men and women ary, don’t be shy. Be aggressive when pursuing a salary that is commensurate with your experience. still exists. Get involved. Network with like-minded women who have As if unequal working wages weren’t enough, many women already paved their own way in the business sector. Women face barriers in finding jobs and advancing their careers. The term “glass ceiling” refers to the unseen, yet unbreachable bar- working in predominantly male fields can develop networking opportunities that are enjoyable to both men and women. rier that keeps minorities and women from rising to the upper rungs of the corporate ladder, regardless of their qualifications or achievements. Spa Pedicure Many women feel they have gone as far as they can with their $30 employer thanks to a lack of options at the supervisory level, or Nancy Gallagher at an unwillingness of higher-ups to consider them for advancement.

Metro Services

Find a mentor. Networking remains one of the key ways to advance in the business world. Relying on the experience of a mentor can help you with your career and the pressures that come with it. Seek mentors whose accomplishments you admire and who are willing to offer advice and encouragement. Start your own business. Women who find their careers have hit dead ends may want to consider going into business for themselves. This way they can spread their wings and be in charge.

Celebrating 30 Years!

Hazel Klein 855-9527

3210 Henesta

656-4200

Giving the convenience of permanent make-up without pain is the speciality of Permanent Cosmetic Clinic. Established in 2005 by sisters and registered nurses Ginger Silvers RN and Andrea McJunkin RN, Permanent Cosmetic Clinic offers eyebrows, lips, eye shadow, full face, beauty mark, areola, scar camouflage and eyelids done in a painless procedure in the privacy of their clinic. Permanent cosmetics are beneficial for women who are active, busy, visually impaired, sensitive to conventional cosmetics, have lost eyebrows or eyelashes from trauma, disease, genetics, aging, or anyone who has suffered with arthritis, stroke, or any type of fine motor loss. At the end of the day, your makeup looks as though it was just freshened. You can select your color of make-up from a wide variety of colors, or a new color can be created for you. Although all their pigments are hypoallergenic, a free allergy test is offered. These tests are optional and need to be done at least 3 days before the procedure.

406.661.9198

Free Consultations

1101 North 27th St • Suite C • Billings, MT www.permanentcosmeticfacts.com

Carole Mayes

855-9524 406-628-7905 Laurel, Montana 59044 www.AHausOfRealty.com

Enjoying every day for over 16 years, our staff at Advanced Employment have dedicated ourselves to matching the right employee with the right business at the right price. Dr. Robyn Clausen Bauer of Bauer & Clausen Optometry has happily called Billings home for seven years. She knew early in life that she wanted to be in the medical field, and the Pierre, South Dakota native made that wish a reality when she earned her Doctorate of Optometry at Pacific University in Oregon. Upon graduating, she worked with an optometrist who later sold his practice to Robyn and her husband, David Bauer in 2008, when it officially became Bauer & Clausen Optometry. Along with their commitment to providing patients with an exceptional experience and running a successful business, Robyn and David enjoy the excitement and adventure that comes with raising their children Noah, 5 and Lauren, 3. Dr. Clausen is passionate about caring for her patients, values the chance to educate them about the health of their eyes, and loves the unique opportunity to impact their success in everyday life by enhancing their vision. For a chance to meet Dr. Clausen and hear her recommendations for your vision needs, schedule your appointment today by calling 406-656-8886.

Lamplighter Square 2675 Central Ave | Ste L1 406.656.8886 www.billingseyedocs.com

Lori Schweigert Owner Operator, has devoted her time over the years to make a wonderful, comfortable place for people to come and for employers and employees to meet.

Chrissy Saunders Office Manager, loves what she does each and every day in supporting the community by supplying companies with a quality work force at a great price, and helping the employees find wonderful businesses to work with. Joanna Orth Personnel Manager, dedicates herself every moment

to finding that perfect employee for the job and she never stops. Her smile and good attitude welcome everyone who comes through the door.

Shannon Brooks-Conroy Payroll Specialist, works her fingers to the bone to pay every employee on time and correctly. Jane

Hoff Office Assistant, duplicates herself into threes to get all the extras done in a timely manner and sings while she does it. Advanced Employment covers all workers compensation, payroll and taxes on temporary employees and long term employees for all businesses. We have the best rates and love to save companies money each and every day. Give us a call or come on in to experience the dedication behind Advanced Employment.

406-652-8808

2115 BroAdWAtEr AvE BillinGs, Mt 59102

WHErE WE gEt tHE JOB dOnE rigHt!

Women in Business

Sunday, September 23, 2012

How social media can help your business has more than 100 million registered users. Simply put, social media is more popular than ever before, and its popuSmall business owners know how larity is growing by the day. Businesses important it is to reach their existcan take advantage of this by joining ing customers and attract new ones. social media and immediately increasThe Internet has made it easier than ing their visibility. And that visibility ever before for small businesses to do is constant, as social media sites don’t just that, but the days of relying on a website alone have largely fallen by the close at 10 p.m. and social media allows businesses to reach customers far and wayside. wide. Social media is one of the foremost reasons many people now go online. While engaging in social media won’t Promote products Social media can be used as a turn a failing business into a successful promotional tool. Blog about a product enterprise overnight, it can help busito help potential customers better ness owners in a number of ways. understand the product, and customers won’t feel as if they’re being delivered Increase visibility In early 2012, the digital marketing a sales pitch. Business owners can firm iCrossing estimated that Facebook easily produce how-to videos to explain the product, and any questions customwould reach the one billion users plateau by August of that year. Twitter, ers have can be simply sent via social another popular social media platform, media. Business owners won’t have to

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spend as much time trying to convert them from potential customers into actual customers, and the informal nature of promoting a product via social media can make customers feel more comfortable about their decisions. Promote yourself Though it can sometimes feel like the days of the successful small business owner is a thing of the past, social media is making it easier for small business owners to promote themselves and entice customers along the way. Buying from large corporations tends to alienate consumers, and small business owners can use that to their advantage. Use social media to tell your story. When consumers know who is behind a product, they tend to trust the company more and feel a more personal connection than they’re likely to feel with a larger company or

corporation. Better serve customers Social media users enjoy using social media because it gives them a chance to share their thoughts on a variety of things, including the products they buy. Small business owners can help their business by encouraging those who follow them on social media to share their thoughts about certain products or promotions. Employ social media to understand what customers like and dislike about certain products. This market research might once have cost small businesses a substantial amount of money, but now social media allows business owners to access this valuable information at relatively no cost. Build a network Small business owners know that running a small business is not a oneman operation. Other small business

owners and business consultants are valuable resources, and social media makes it easy to consult them for advice on how to turn a small business into a success. But a network of fellow professionals isn’t the only network social media can help you build. Satisfied customers who take to social media to speak positively about your product can help you build a network of satisfied customers. Wordof-mouth has long been a friend to small business owners, and now social media enables satisfied customers to share their experience with friends and family members who might one day become your next satisfied customer. Small businesses often need all the help they can get to establish and maintain success. Social media can be a significant ally to your small business in a number of ways.

Women still earn less than men Metro Services Despite being awarded many college degrees, holding high-level positions, and being influential decision-makers, women still earn less than men in the workforce. New female graduates still earn 17 percent less than their male peers across the board. Furthermore, only 14 percent of women hold executive officer positions at Fortune 500 companies, according to U.S. census findings. Many women are asking the question, “Why?” Nearly 50 years after it became illegal in America to pay women less based on their sex, the average woman still makes less than her male counterparts. White women earn $.77 on every dollar compared to a man. African-American women earn 68 percent of what their male peers make, while Latinas earn roughly 58 percent. Ask some people and they will say that the numbers are deflated unfairly. There are hypotheses that women flock to lower-paying

jobs more so than men despite similar educational backgrounds. For example, a female college grad may become a teacher while a male becomes a lawyer. Teachers typically earn significantly less than lawyers. However, others argue that the salary gap is there regardless of the occupation. For example, 2007 Census Bureau numbers indicate that female truck drivers earned 76.5 percent of the weekly pay of their male counterparts for the same job, while male secretaries earned about 15 percent more than female secretaries. In some government and municipal occupations where salary is graded according to certain levels, men and women can make the same salary regardless of gender. There are some expert economists who say that, conscious or not, gender discrimination does occur at work, with men faring better than women with respect to job placement and salary. In addition to the salary gap issue, studies have shown there are some double standards

between male and female workers that also tend to prevail. Networking may help men and harm women. Perhaps because of the fear of rejection, many women tend to be conservative when sending friend requests from business social networking sites. Women also tend to socialize with lowerpaid professionals, simply because they are often part of that clique. Men seem to network more freely and out of their pay grade. Being a parent can hinder women but be an asset to men. According to research from Stamford University, female job applicants on contrived applications for jobs who showed no signs they were parents on a resume (i.e, mentioning participation in the PTA, etc.) were twice as likely to be called in for an interview as women who offered hints that they had kids. However, men who mentioned child-related activities were just as likely to get a call back than those who didn’t. Similar findings by the school indicated that job screeners ranked female applicants with

kids as “less competent” and “less committed” than men with kids. Asking for a raise is seen as assertive in men and pushy in women. During a study by Carnegie Mellon University and Harvard Kennedy School, actors portraying employees asking for a raise were videotaped saying the same lines and asking for the same raises. Both male and female viewers (including bosses) felt the women came off as unlikable and aggressive compared to the men. Some surmise that asking for a raise and asserting oneself is out of character for a woman and can be off-putting. Experts advise women to gather all of their facts in support of a raise and suggest a pay range as opposed to a specific salary. This makes women seem competent but not pushy. No one can pinpoint if the salary disparity will ever come to an end -- even with legislative intervention. Female workers may still have to fight to realize the same benefits as men in the workplace.

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Women in Business

Sunday, September 23, 2012

Easy ways to improve interview skills Metro Services A job interview can be a nerve-wracking experience for applicants. Those who enter an interview with a host of qualifications may still find themselves nervous at the prospect of discussing a position they’re interested in with a complete stranger. Such nervousness is normal, but many job seekers still hope for ways to make themselves more comfortable when interviewing for a job. There are several ways to do just that, and men and women, both young and old and experienced and inexperienced, should recognize that interviewing takes some dedication and hard work. Resumes do sometimes speak for themselves, but the following tips can go a long way toward helping job seekers make a strong first impression. Say something before you even open your mouth. Nonverbal communication is an important part of the interview process. Good posture, a firm handshake and making eye contact can set a positive tone at a job interview and makes a strong first impression. When arriving at an office for an interview, don’t slouch in a chair while waiting for the interviewer to arrive. Sit straight up and avoid nervous behavior such as toe-tapping or checking the time. Be a good listener. Many job seekers have practiced what they’re going to say countless times in the days leading up to an important interview. Preparation is important, but it’s just as important to listen to the interviewer throughout the interview. Avoid simply waiting your turn to speak before spouting off a rehearsed answer. The interviewer is providing valuable information, which applicants should use in their responses to questions. Remain professional. Job seekers should always remain professional and avoid coming off as overly familiar. Such an attitude might make it appear as though you aren’t taking the interview seriously and aren’t very interested in the job. Staying too rigid throughout the interview is also not a good way to make a first impression. It’s acceptable to allow the interviewer to set the tone of the interview, but it’s also important to land somewhere between rigidity and being overly familiar. Be specific when answering questions. Applicants must distinguish themselves from one another. When the interviewer asks a question about a past job experience or project, be specific with your answer. If need be, take time to answer the question. Thoughtfully answering a question is always better than spouting off the first response that comes to mind. Ask your own questions. At some point during the interview, applicants will be asked if they have any questions for the interviewer. Applicants should always ask questions; which demonstrates interest in the position. Failing to ask a question will likely put an awkward end to the interview. When asking questions, base them on previous statements from the interviewer to show you have been listening and would like to know more about the position and the company.

Job candidates can employ several strategies to ace their next job interview.

Jupiterimages

Beat the interview jitters Work Coach Cafe concurs, and offers some interview questions typically asked for your practice session. Practice can help you Most of us have been there, nervously anticipating an upcom- become more comfortable when talking about yourself, and may ing job interview. When we’re nervous, our body language tends point out any subconscious habits, like frequent use of “um,” or “you know,” when speaking. to give us away. Signs take many forms. We may stammer, Prepare your own questions. Once you have practiced clench our fists, clear our throats, or tap our fingers. Certainly, during a job interview, we want to hide this telltale behavior. So answering interview questions, you will want to prepare to ask a few questions of your own. “Do not ask about salary or benefits,” what can we do to calm the jitters? Brenda K. Raye, director of career services at Brown Mackie counsels Raye. “But do ask for a business card.” You will need College - North Canton, provides some answers. She understands the contact information later for a thank you card or letter. “And the jitters from both sides of the table - as a job candidate facing yes, you will write a thank you note if you are serious about wanting the position,” she states. Email thank you notes are also an important interview, and as an employer interviewing applicants who exhibit classic signs of nervousness. “’Relax,’ is the acceptable. Raye suggests asking about the next step in the process of first thing I tell students and graduates,” she says. However, that filling the position. The answer provides you with timing of the is easier said than done. hire. She also recommends asking about the work environment. Relax. “Be you,” she tells those she coaches. “They already know you have the skills to perform the job. They got that from “You may get a tour of the work area at this point,” she says. Give yourself credit. If you are still a little nervous after all your resume. Now they want to see your personality. Employers of your practice and preparation, Raye offers this advice: “If you look for the best fit within the company or team.” This different perspective seems to help ease anxiety for many landed an interview in the first place, that alone should let you who face an important interview. In addition, job applicants may know you’re doing a good job. You are confident enough in your want to support calmness with a relaxation exercise. Methods of skills to apply for the position. You applied correctly, and your relaxation vary from deep breathing, as recommended by eHow, resume has made a good impression. You can feel good about to listening to music and having a good laugh, according to The it. That in itself can cure jitters,” she says. “People put a lot of pressure on themselves. They forget to be proud of all they have Undercover Recruiter. accomplished so far.” Know your work ethics. Raye typically asks those seeking Be honest. Anxiety levels vary widely between individual employment to create a list of work ethics, like hard working, people, and manifest in many different ways. If you feel you dependable and the ability to work with a team or individually. won’t get through an interview without seeming flustered “Write those ethics down,” she says. “When prospective employers say, ‘Tell me a little about yourself,’ you can respond because of nerves, Raye recommends taking the tack of upfront with descriptors of your work ethics instead of talking about your honesty from the start. “Let an interviewer know you are a bit kids, living arrangements, or your dog. Stay focused on the job.” nervous about the chance of landing the job of your dreams,” Your work ethics are your soft skills; the attributes you bring to says Raye. “Most interviewers will appreciate your straightforthe job in addition to technical skills. “Use every moment to sell ward approach.” Raye advises job candidates to face interviews with confiyourself,” Raye says. dence. “When you are seeking employment, remember it’s not Practice, practice, practice. Be prepared. Have your family what the company can do for you, it’s what you can do for the give you practice interview questions. “A few practice runs company,” she says. can give a big boost to your self-confidence,” says Raye. The

ARA

RE/MAX of Billings is the oldest Real Estate franchise in the State of Montana. All of our Real Estate agents are full-time, award-winning agents.

After 35 years we recently expanded RE/MAX of Billings Carey Chapman to a new location at 517 24th street

661-5300

West.

My husband, JR Chapman and I have owned the company since 2008. If experience, stability, ethics and professionalism are what you require and expect of your Realtor, stop by and see us at our new location across from Barnes & Noble. We want to earn your business. Serving clients for over 35 years. NOBODY in the World sells more Real Estate than RE/MAX.

Assisting people reach their goal of home ownership or improving the terms of their present home financing is what I do as a Senior Mortgage Consultant at American Mortgage. I have had the opportunity to meet many people, not only in Yellowstone County, but in our neighboring communities over the last 31 years. This has been very rewarding due to the relationships and friendships that have been built. Together we have seen the highest and lowest rates in history. Right now we are experiencing these low rates and I am able to assist many repeat clients which makes my day! It has been a blessing to have an employer that is flexible as this provides me the ability to be involved in our community beyond my work. Presently, I am Vice President of Billings West Rotary,

on the Board for Billings Symphony & Chorale and Billings Wellness Institute. Being married to Mayor Tom Hanel has been an honor as I have had the opportunity to meet many of our citizens and learn more about our community. Plus, he is my best friend. We look forward to being Co-Chairs of the 2013-2014 Relay for Life. Together, Tom and I have three grown children and two grandchildren who we are very proud of. We have all four of our parents within an hour’s distance which is fantastic. Our grandchildren live in Billings and I am able to share my time with them as well as many hobbies which include running, biking, gardening and other outdoor activities such as floating the river/camping.

Originator #307440 • NMLS #2297/Branch #885

1575 Shiloh Rd | Ste H | Billings, MT

robin Hanel

Office

406-652-6677 cell 406-860-6181 888-652-6677 fax 406-652-4894

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Robin.Hanel@nflp.com | www.American-Mtg.com

Women in Business

Sunday, September 23, 2012

Help for overqualiﬁed job seekers in a difﬁcult market ARA Today’s highly competitive job market presents challenges for everyone seeking employment. Recent graduates and seasoned professionals alike encounter limited opportunities. After submitting a resume and cover letter, these job seekers sometimes do not get a reply from prospective employers. This is discouraging, but not a surprise when employers often receive hundreds of resumes for every job posted, as reported by GetHired.com, a website that helps people find the right job, and companies find the right employees. The tight job market can be especially hard on job seekers with 15 or more years of work experience. As they look through posted jobs, they often find entry-level openings that require less education or experience than they have accumulated. Sheryl Decker, director of Career Services at Brown Mackie College - South Bend, offers steps that can help overqualified job seekers find employment. “An overqualified job candidate is someone who has too much education or experience, or can be too highly-paid for the position sought,” Decker says. “When employers review a resume, they first tend to weigh the level of education and a candidate’s past experience against the job opportunity. If the candidate possesses qualifications that are higher than the position requires, a manager may set the resume aside.” An overqualified applicant can raise a red flag for a number of reasons. Employers generally attach a negative connotation to overqualified candidates because they feel the candidate: • May leave as soon as he or she finds a job commensurate with the higher qualifications. • May continue looking for employment with a higher salary. • Has never been promoted by previous employers. • Has not explained why he or she seeks a lower level position. “The employer’s top priority is to make the right hiring decision. It costs money to hire and train a new employee, and it is beneficial to the organization when the employee comes on board for the long haul,” Decker says. “It can be scary for an overqualified person who isn’t finding job openings that match their credentials.” How can you overcome this negative perception?

Focus on how your learned skills can benefit the company to overcome negative perceptions.

ARA

Change the format of your resume “If you have a lot of skills, it can be helpful to organize your resume into a functional resume format,” Decker says. “Rather than presenting information in chronological order under each position held, highlight your skills and accomplishments as they pertain to the position you are seeking.” You can include the companies you have worked for in the past without emphasizing titles that may raise concerns. Quintessential Careers, a website dedicated to empowering job seekers, supports this tactic for overqualified applicants. Customize resume to each speciﬁc position “Tailor each resume to include the attributes the prospective employer seeks,” says Decker. “Highlight the things that show you are qualified, not overqualified.” Be sure to include characteristics of your personality that show you are moti-

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oing business in a region where people’s tastes are as diverse as the landscape, City Brew strives to maintain a consistent, quality presence throughout Montana and the region. From the dense, rocky forests of logging country in western Montana to the windswept plains of open ranchland to the east, City Brew provides a superb, premium blend that people can count on in each and every cup.

diligently to ensure that only the highest quality beans are purchased from sustainable, reliable farms. Then, with each blend meticulously crafted and tested on-site to guarantee excellence, City Brew Coffee is truly “Made in Montana.”

City Brew’s unique and flavorful blends are matched only by its dedication to top-flight customer service every day, in every location and in every interaction with its clientele. Whether it’s a quick stop That is because all City Brew through the drive-up window or Coffee is roasted, packaged a longer break inside the cafe, and shipped direct from its own City Brew employees excel at roasting facility in Billings. City making your coffee experience Brew’s local roastmaster works a delight.

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Honesty is the best policy “Prospective employers call your references, check your background and criminal history, and speak with the company where you last worked. Call on your professional Be honest about the reasons you left, and make it network known that you are flexible about salary in a new Never underestimate the importance of joining position,” Decker says. “Today’s economy makes a professional association. “People who know you this a reality.” can vouch for your experience and value to the company, even though your qualifications may Above all, focus on how your learned skills can be higher,” Decker says. “This is one of the best benefit the company. Employers want to provide ways to overcome negative perceptions.” good service to customers in a positive atmosphere for employees. vated, a team player and dedicated to performing the job effectively. Along with a positive attitude, these soft skills can help define you as an asset.

Laura Heine

Fiberworks is a place where talent, imagination and fun meets fabric, patterns, quilts, threads, classes — and all manner of other cool stuff too! It’s a community of fiber artists that includes those just starting out, those whose work proudly adorns Fiberworks’ walls, and a delightful rainbow of colors in between. Laura Heine, owner, has had her work win numerous prestigous awards, among them being the $10,000.00 purchase award from American Quilters Society for her Quilt One Fish, Two Fish, Red Fish, Blue Fish. Her patterns and quilting techniques have been published and her fabric design collections are much sought after. She designed the Fusion threads for YLI Corporation and she is an educator for them as well as travels all over the U.S. teaching and sharing her techniques. Come explore Fiberworks’ amazing selection of quilt fabrics, gorgeous quilt patterns, quilting thread, quilting kits and lots, lots more. In addition, you can take classes in quilting, hand quilting, long arm quilting, even 1-on-1 personal instructon with Laura. There’s so much to do — and so much to discover! Stay in touch with us and subscribe to fiberWORDS. Our email newsletter lets you know what’s new, what’s hot, and all about upcoming classes. Check out past issues and subscribe.

3213 Henesta Dr. 406-656-6663

www.fiberworks-heine.com Mon-Fri: 10:00–5:30 MT Sat: 10:00–5:00 MT

SeConD TIMe CloThIeR ADveRToRIAl

“You can dream, create, design and build the most wonderful place in the world, but it requires people to make the reality.” ~ Walt Disney My dream came true 8 years ago when I purchased Second Time Clothiers after spending 22 years in the medical field. My first days were unfamiliar and very trying but I have always known that I made the right decision. Second Time Clothier is an Upscale, Resale Boutique. Second Time is not a consignment store. I buy all our items by appointment and select only high end current women and men’s fashions. I have almost any imaginable accessory you could ever want. The atmosphere I have created for my shopper is fun and adventurous. My customers spend more than the average time shopping because there is so much to see. I alone can’t take all the credit for this fabulous boutique. My loyal customers, my amazing family and daughter, and my incredible staff have been a huge part of my success. Together, we have won the Billings Gazette Readers’ Choice Award for eight years in a row! I could not have done it without all the wonderful support. Daisy Duke, my tiny Maltese mascot is often here to greet you. Please stop by. I look forward to having you as my customer.

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How to handle tough interview questions the interviewer to repeat or rephrase the question. It is also OK to repeat part of the question at the beginning of your answer. “It verifies that you When searching for employment in today’s highly competitive job market, the process often understand the question and lets the interviewer know you are listening,” he says. seems like one hurdle after another. Once you This can help to keep your answers focused on have prepared a letter-perfect resume, you face the hurdle of landing an interview. After securing the question. Keller advises job seekers to answer only the specific question asked. “Don’t go off the interview, the next hurdle poses itself in the on a tangent about other situations,” he says. “If form of surprisingly tough interview questions. it helps, take a deep breath while collecting your In the past, job interviews were all about your thoughts.” knowledge and technical skills. Not so today. When faced with a question about a specific Jason Keller, director of Career Services at scenario, Keller says, “Never answer with, ‘I can’t Brown Mackie College - Indianapolis, offers think of anything right now.’” If the question advice on how to prepare for your next interdeals with a situation that you have not encounview. “Interviews today are much different than tered in your career, be honest about it. Keller they were in the past,” says Keller, who has 16 years under his belt in the staffing and recruiting gives an example of how to respond in this cirindustry. “The processes of human resources have cumstance. “I haven’t experienced that yet in my career. If I did, here’s what I would do,” he says. evolved to include a different type of question: Some of the more difficult questions to answer the behavioral question.” These are not so easy to deal with negative situations, such as working answer. with a co-worker you disliked, or having trouble “Behavioral questions tend to put you in a scenario to find out how you have handled differ- getting along with a supervisor. This type of quesent business-related situations,” Keller says. “The tion seems to be in direct conflict with the oftenprospective employer is trying to figure out future given advice to stay positive during an interview. However, Keller advises to put a positive spin on reactions based on your past experiences. This negative questions. gives the interviewer some hidden information “A simple explanation of differences in work about you - things you can’t put on a resume.” styles can directly address this type of quesDon’t be surprised if you are asked to give an tion,” he says. “You can say something like, ‘My example of a time when you had to think out of previous supervisor was a micromanager, and I the box, or when you went above and beyond don’t work best that way. I tend to work better the call of duty on the job. Monster, an online in an environment where ideas are fostered, and employment resource, advises candidates to be clear priorities are set.” This answer addresses ready for anything. the question, yet preserves the wise philosophy “Take your time,” says Keller. That’s the first of not saying anything negative about a previous thing Keller tells job candidates. It translates to, employer or co-worker. “Don’t say the first thing that pops up in your One question that many people dread relates to head during an interview.” Those preparing for a gap in the employment history. What did you do interviews with Keller learn that it is OK to ask

ARA

Don’t be surprised if you are asked to give an example of a time when you had to think out of the box, or when you went above and beyond the call of duty on the job.

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while you were unemployed? “Be honest,” Keller advises again. “Everything you say can be verified. Any falsehoods will be discovered.” So what do you work on when you don’t have a job? “Do volunteer work,” Keller says. “It shows initiative. Help a shelter, a charity, or an industry association while you are looking for a position that would be a good fit.” “Potential employers use the interview to evaluate your communication skills, especially when the position involves interacting with clients, or a health care position where you will be required to

interact with patients,” says Keller. “Anyone dealing with people must know how to communicate effectively. Knowledge of the field won’t help if you can’t get people to warm up to you and feel relaxed.” Keller suggests that interview candidates practice answering questions with a friend or family member before the actual interview. About.com provides a list of common difficult interview questions. “I’ve had people come back and say, ‘I never thought they would ask me that,’” says Keller. “It is best to be prepared.”

Do’s and Don’ts of Social Networking When Looking for Work their involvement in local professional groups. Do post pertinent information. Perhaps nothing in the last decade Job seekers can show their interest in has more revolutionized how people a desired field in other ways as well. interact than the advent of social Post links to stories about relevant innetworking media. Be it through dustry topics, just be careful to avoid Facebook or Twitter or their respeccomments that appear too flippant or tive counterparts, nowadays more and Some of the Do’s critical of the industry or any industry In many ways, social networking more people are using the Internet to professionals. Posting links indicates sites can help job seekers as they look interact with friends, family and even to prospective employers that an apfor work. strangers. plicant is up-to-date on current issues Do be active. Social networking As convenient as such means of facing the industry. communication can be, they can also sites like Facebook aren’t just for Do be careful. While job seekers be risky, particularly for job seekers. individuals. In fact, member groups can use social networking sites as a In a June 2009 survey, online employ- and even university alumni groups have their own Facebook pages. These means to display their knowledge of ment resource CareerBuilder found their desired industry, it’s important to that 45 percent of employers reported groups provide valuable means for be careful about how that knowledge job seekers to be active, be it with using social media for screening job is shared. When posting messages, applicants. Those results came a year professional groups in their field or post rational, carefully considered among their fellow alumni, which after a similar CareerBuilder survey can make for a valuable networking thoughts or opinions. Avoid remarks of 31,000 employers found that onethird of applicants considered for jobs opportunity. What’s more, prospective that might come off as overly critical, instead choosing remarks that provide were rejected because of information employers who visit an applicant’s concise insight and indicate an ability page are likely to be encouraged by discovered via social media. While social networking can be valuable when seeking employment, it’s best for users to carefully consider just what they’re sharing with the world, and what they should probably be keeping to themselves.

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it’s best to avoid documenting such times online for the world, including potential employers, to see. Some of the Don’ts Don’t get things off your chest Ignoring the don’ts of social with regards to a former employer. networking could greatly reduce an Disparaging remarks about a former applicant’s ability to land a job. employer make for a very visible Don’t swear like a sailor. Many red flag with prospective employers. people avoid swearing in public and Such remarks only reflect poorly on it’s a good rule of thumb to conthe applicant and almost certainly sider all social networking sites, be guarantee an individual’s resume will it Facebook, LinkedIn or Twitter, a public place. Regardless of where the find the scrap heap and not the hiring foul language stems from, it’s best to manager’s desk. Don’t get too personal. Sharavoid it entirely on social networking sites. Most people would not swear in ing too much personal information online is another way job seekers can a job interview, and many of today’s job interviews begin with prospective reduce their chances of finding work. While some information, like family employers researching an applicant online. photos, is acceptable, getting overly Don’t share inappropriate photos. personal could scare away prospective employers. Many a famous person has been caught in scandals surrounding inappropriate photos posted online. While it’s OK to horse around with friends, to provide opinion without criticism.

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Patti and Ken Kowalczyk moved to Billings from the small town of Judith Gap in 2000 and opened Country Cottage in Rimrock Mall. The locally owned shop has continued to thrive in todays economy because of a unique product mix, affordability, and attention to detail that Patti and her crew of ten strive to offer. She believes in honesty, hard work, and excellent customer service. They provide that to every guest that enters. Country Cottage has become a destination shopping experience, thrilling shoppers with beautifully designed vignettes that follow the seasons, relaxing music, and fabulous scents provided by candles, oils, and potpourri. Ken says Patti is the smile, he’s the checkbook.

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Women in Business

Sunday, September 23, 2012

How women can take control of their ﬁnancial future ARA As women continue to break the glass ceiling in the working world, they also need to keep in mind their potential vulnerability in the financial world. Women tend to be more concerned about monthly expenses than saving enough for retirement, according to a recent survey sponsored by the Retirement Services Division of Massachusetts Mutual Life Insurance Company (MassMutual). But the reality is that women often live longer than men, and therefore will have to figure out how to stretch retirement dollars longer, says Elaine Sarsynski, executive vice president of MassMutual’s Retirement Services Division and chairman and CEO of MassMutual International LLC. Only 39 percent of women report being confident they know how to calculate how much money they will need in retirement, according to the nationwide survey. And compared to men, women were less likely to increase portions of income saved through work retirement plans, or contribute to a regular IRA account. “Women need to pay attention to personal finances, because one way or another there is some likelihood they will be doing it alone,” says Mass-

Mutual Financial Professional Robin Weingast. “More than 50 percent of women age 75 or older live alone, and the median income of women 65 plus is now $15,000, according to the U.S. Department of Health and Human Services 2011 report on older Americans.” Sarsynski says it is also troubling to note that when people retire early, they are often doing so for negative reasons like declining health, disability issues or unemployment. A 2012 Retirement Confidence Survey by the Employee Benefit Research Institute and Mathew Greenwald & Associates found that to be the case for 50 percent of their respondents. “If you are a woman in this situation, you may be even less prepared to handle such a sudden challenge,” Sarsynski says. For women in all stages of life, here are some financial aspects that should be reviewed and added to a retirement planning program: Bank accounts If you’re married, sharing joint bank accounts can help highlight how the family income is spent. Chances are you and your spouse don’t earn exactly the same income. Some couples decide to split expenses evenly, while others appropriate the larger income toward

the larger bill payments. Whatever you choose to do, consider creating a personal savings account in addition to the household financial contribution responsibilities you already have. Debt Debt accumulation can cause a strain on a spouse’s credit - and finances - even if it happened prior to the wedding. Determine if you will be held responsible for your spouse’s prior debts, and if so, to what extent? If you are able to keep your prior debts separate, it will help to ensure each other’s property remains out of reach of creditors, protecting your individual credit ratings. Retirement On average, women tend to spend 12 years out of the workforce due to caregiving responsibilities for children, parents and spouses, according to the U.S. Department of Labor. To top it off, women typically earn 77 percent of what their male counterparts earn. This traditionally results in women contributing less to retirement via 401(k) accounts, or receiving less through pensions and Social Security benefits. Because of these factors, women need to start a retirement planning process earlier in life, either setting additional

women average

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money aside, or meeting with a financial adviser to discuss options.

and insurance on pace with income. It’s important to keep your retirement savings on par with what you earn. If you receive a raise, consider using a portion of that money to increase your contribution to your 401(k) plan. The same goes for disability income insurance protection. As your income rises, so should how you allocate funds to protect it.

Insurance Even with a great retirement plan in place, unplanned factors can impact savings. Disability income insurance can provide a source of income in the event you are unable to work because of an accident or illness. And life insurance can help provide financial security upon death by providing funds Taking a good look at personal longfor children to attend college, or to help term plans can help women be better continue with mortgage payments. situated for their futures financially. Retirement is an option for all women Maintenance no matter their life situations, and can Make sure to keep retirement savings become a reality with good planning.

Small business, big opportunities

Tips for women focused on managing their small businesses ARA It’s no secret small businesses are essential to the economy. The latest U.S. Census Bureau’s Survey of Business Owners reported women owned 7.8 million businesses and accounted for 28.7 percent of all businesses nationwide. These small business firms generated $1.2 trillion in receipts. Given the challenges facing small businesses overall in this current economic climate, now more than ever women are navigating work-life demands, business management and talent retention issues. In fact, women are more concerned about virtually every economic factor than men, including the effectiveness of government leaders (76 percent vs. 73 percent), commodities prices (76 percent vs. 70 percent) and health care costs (75 percent vs. 66 percent), says the recent Bank of America Small Business Owner Report, a semi-annual study exploring the concerns, aspirations and perspectives of small business owners nationwide.

Mary’s Health Foods Montana Owned Montana Grown

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The report also revealed that running a small business causes owners - both men and women - three times as much stress as raising children and twice as much stress as maintaining a healthy relationship with a spouse or partner. However, women do not give themselves the free time that men do - 62 percent compared to 53 percent. “Small business owners are constantly making sacrifices and prioritizing the success of their business over other personal priorities in their lives, but there are some simple ways to maintain a better work-life balance,” says Steve Strauss, small business expert and USA TODAY columnist. Strauss offers the following tips to managing the daily juggling act of owning a small business: Build a diverse support system. While a vast majority of small business owners need some level of financial guidance, often in the form of occasional or ongoing expert advice, the report

At Mary’s Health Foods, we now have three Montana generations serving you and loving it! Our mission is to help you reach your “healthy living” goals. This summer Martina joined Mom Melissa, Grandma Mary, and Aunt Rebecca to become a part of Mary’s team who is focused on you, our customers. We offer a large variety of supplements, minerals, herbs, homeopathic, 100% fresh organic produce and food. Our knowledgeable staff is here to support your healthful lifestyle. Be Well...eAT Well!

When Cheri Basso saw the need in the Billings area for a store that carries exceptionally fine linens and bedding, she made the decision to purchase Scandia Down in May of 1991. Originally she carried the signature Scandia Down line of comforters, feather beds, pillows, and fine European linens. In the spring of 2003, Cheri expanded and moved to her present location next to Sanctuary Spa on 24th, just north of Grand. In addition to the fine signature Scandia Down bedding products, you will now find a wide array of silky soft bath towels, soaps and lotions, bamboo casual wear, and custom jewelry. You’ll even find cozy Max Daniel brand baby blankets, booties, and more. Scandia Down also provides custom sewing services so you can create any bedding ensemble to your exact design and specifications. re e 1524 24th St

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Cheri Basso, owner of Scandia Down for more than 21 years.

CINDY REISS

Sales Manager, Residential Real Estate Department First Interstate Bank – Billings 406-255-5148

finds more women than men engage an accountant/bookkeeper (79 percent vs. 70 percent), a financial advisor (73 percent vs. 65 percent) or banker (52 percent vs. 47 percent) to help them run their businesses. Resources such as these can expand your network, provide essential professional support and keep you current on relevant trends. Use tech tools and resources available to you. According to the Bank of America Small Business Owner Report women are actually more likely than men to view technology as a useful cash management tool. For example, female small business owners are more likely to view online banking (78 percent vs. 67 percent of their male counterparts) or direct payments (46 percent vs. 35 percent of males) as helpful in managing their small business. Electronic invoicing, online payroll services and mobile banking are other resources that can help. If you’re not already using these types of tools, be sure to speak with your financial institution

Since her career began in 1982, Cindy has been passionate about helping her customers achieve their dreams of homeownership. She’s worked with customers in two capacities over the years, first as a Realtor and, more recently, as a top-producing mortgage lender. No matter her role, Cindy committed herself to making sure her customers thoroughly understood the home-buying and mortgage process, whether that meant teaching first-time homebuyer classes or spending time in one-onone financial counseling. Now, as sales manager for the Residential Real Estate Department at First Interstate Bank in Billings, she leads her team with this steadfast commitment to financial education, top-notch customer service, and responsible business practices.

I believe integrity and hard work are the foundation on which all success is structured. A successful marriage, family, career all take hard work. Most hard decisions in life prove to be “foundation decisions” on which much personal growth is achieved. I believe hard work matters and I believe great communication is the pillar in any relationship. When you make important decisions about buying or selling your home, I ask please consider me, Kristine Glover, Broker/Owner of Glover Realty Group. My promise to you is true integrity, hard work, treating you with extraordinary care every step of the way. Glover Realty Group, outstanding service I promise!

Glover realty Group 3302 4th Ave N., Ste. 120 • Blgs, MT

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about how to better manage your finances and improve efficiency. Boost your competitive edge in the war for talent. The financial benefits you offer current and potential employees can be a dealmaker ... or deal breaker. The good news is that small businesses now have access to 401(k) and IRA products designed specifically for their needs and budgets. For example, Merrill Edge Small Business 401(k) is designed for small businesses’ unique needs and offers a simplified, easyto-manage retirement plan with lower costs than many traditional 401(k) plans, enabling owners to provide an important benefit to their employees. Offering these benefits is more important for women particularly when coupled with the cultural and work-life balance perks that often make small businesses attractive to employees, and they can boost your competitive edge. With the right expertise and tools, small business owners can be equipped to improve their work-life balance.

GREETINGS!

I’m Connie Pacheco, owner of TootieScrubs Medical Apparel and Accessories. I’ve been in business nearly 2 years, located at 1313 Grand Ave. I was an LPN, here, in Billings, for 5 years and realized Billings was in need of a fresh approach to scrub wear. My goal is to meet the needs of consumers in the healthcare field by providing stylish yet durable attire. It brings me great joy to see a woman step out of the fitting room simply glowing because she feels and looks amazing in an outfit that I’ve assisted her in choosing!

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Women in Business

Sunday, September 23, 2012

Business casual is the standard for work Metro Services

In terms of accessories and jewelry, less is often more when complementing business casual attire. Avoid flashy items or pieces that may distract or inspire envy. The work environment is not a fashion runway, and dressing to stand out could make others feel intimidated. Not all companies employ the same rules and regulations concerning wardrobe. For those who are new to a company, it’s best to stick with conservative business casual basics and then observe what others are wearing. Keep in mind that attire worn by supervisors or business owners may not be what employees are allowed to wear. Just because the CEO is donning jeans and a T-shirt every day doesn’t mean it is acceptable for you. When in doubt, ask human resources or a personnel director if there are attire guidelines. Fellow employees whom you trust can also lend advice. Here are some other tips when shopping for business casual. • Avoid large patterns because they are memorable, and these items will not be able to be worn frequently without risking the chance of someone recalling the outfit. • Invest in some blue, black, brown and tan pants and/ or skirts. These basics can be worn with many different colored shirts and blouses. • A cardigan or blazer can instantly dress up a business casual outfit for a client meeting. • Gentlemen can stash a basic tie in their desk drawers to use should an impromptu meeting take place and more formal attire is required. • Avoid overly pungent perfumes or colognes around the office. • Companies may have policies on piercings or visible tattoos. When in doubt, take it out or cover up. Men may not want to wear earrings. • Facial hair and hairstyles should be kept wellgroomed.

In today’s economic climate, there are more job applicants than there are jobs. Landing or keeping a job with so much stiff competition means employees must take the necessary steps to ensure they’re a viable part of the company. Dressing the part may seem inconsequential, but it can say much about how seriously you take your work. A business casual dress code is standard across much of the white-collar business world. It has supplanted formal attire, sometimes called international standard business attire, in most companies. In the U.S., roughly 45 percent of employees arrive to work in business casual clothing. Still, many are not quite sure what constitutes business casual wear. Business casual clothing is neat, professional and classic. Although not a uniform, this type of attire helps to keep workers uniformly dressed in tailored and comfortable clothing. For men and women, khaki or dark-colored slacks are customary; women may choose to wear conservative skirts that are not too short. Pressed, long-sleeved, buttoned solid shirts are safe bets for both men and women. Short sleeves are customary during the warmer weather. Some companies allow collared polo shirts or golf Ts. Informal dresses for women and sweaters are also acceptable. Women should avoid baring too much cleavage, which can be viewed as sexually forward. With both genders, clothing should fit well but not be too tight or suggestive. Depending on the organization, shoes should be closed-toe and modest. Many companies institute “casual Friday” attire, which is a variation on business casual by allowing jeans or sneakers to be worn. However, even on casual days, most companies frown upon wrinkled, ripped, too trendy, or revealing types of jeans. Shorts are often frowned upon as well. If women will be wearing dresses, spaghetti It is always a safer bet to err on the side of conservastraps should be avoided in favor of thicker tank top tive in any business environment unless you definitely straps or capped sleeves in warmer weather. Flip-flops know their wardrobe policies. and other flimsy sandals also should be reconsidered.

A collared shirt and slacks is the standard for business casual in most work environments.

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A career in nursing can be fulﬁlling ARA If you are searching for a career that offers many opportunities, take a close look at the nursing profession. Nursing is projected to grow faster than average for all occupations through 2020, as reported in the 2012 Occupational Outlook Handbook, from the Bureau of Labor Statistics (BLS). The BLS attributes this expansion to technological advances and greater awareness of preventive care, in addition to the rising health care demands of the aging baby boomer population. A degree in nursing offers more options than you may think. Wendi Jakubiak, registered nurse and program administrator for Academic Affairs at Brown Mackie College - Oklahoma City, offers insight into the professional options available. Jakubiak worked as a nurse for 25 years before becoming a certified nurse educator. “I have watched changes happen over the years. Nurses are more involved than taking vital signs, giving medications and bathing patients. A more team-oriented approach has evolved in hospitals,” says Jakubiak. “Nurses don’t simply follow doctors’ orders. Critical thinking skills are required. Their patient loads are bigger, and patients are more complicated now. Idiosyncrasies occur in the care of individual patients because of varied medical histories. All members of the

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medical team rely on one another. “Nurses must be able to work through problems that don’t have a recipe solution,” Jakubiak adds. “If a lifethreatening problem occurs, the nurse must take action within their scope of practice to save a patient. Nurses must have the ability to think on their feet and assure patient safety.” Nurses often go the extra mile to help their patients. Many people, especially the elderly, are reluctant to take a medicine prescribed by a doctor other than their regular doctor. “I often call a patient’s regular doctor to explain this type of obstruction to the patient’s current health care needs,” Jakubiak says. “Usually a word from that trusted source will help the patient comply. “There are a lot of things a nurse can do other than work at a hospital,” Jakubiak says. “Not all aspects of nursing require physical, hands-on care.” One employment option, which appeals to those who don’t necessarily want to touch every patient physically, is to become a care manager or care coordinator. This position involves managing outpatient care to make sure needs are met and health is maintained when a patient leaves a medical facility. The home health care coordinator’s job is broadly based on patient education. Good health assessment skills and good nursing skills are necessary elements of care. These skills, plus teaching skills, help keep the patient as

independent as possible. The care coordinator’s position at an insurance company is similar to one employed by a hospital. “They work with an eye toward keeping treatment aspects in line with guidelines,” says Jakubiak. “A knowledge base is essential to perform the job. One must be able to be a manager, have a broad understanding of the body and a scientific background.” Education is another option for those with a nursing degree. A shortage of nurses, widely reported since 1998, has abated somewhat, due to a large number of nurses delaying retirement in a down economy, according to a recent report by Bloomberg. As the economy improves, another shortage of nurses is anticipated. According to the American Association of Colleges of Nursing, enrollment in entry-level baccalaureate nursing programs increased 5.1 percent in 2011. “I literally run into people who remember me taking care of them 20 years ago. They often stop me to say, ‘Thank you,’” Jakubiak says. “The profession can be what you make it. We have the ability as nurses to show compassion and caring - on top of all the technological stuff - to impact someone’s life when they are most vulnerable. This opportunity is a huge gift to make a positive impact.”

I AM MelISSA Fuller, FNP

At every age and every stage of life, women provide support, advice and inspiration for other women. Shiloh Medical Clinic female medical staff is seasoned in Women’s Medicine. We are women who relate to other women on many levels. We support patients through life’s challenges: i.e. marriage, motherhood, divorce, balance of career and family, and especially through that which is inevitable….aging. Aging can decrease a woman’s confidence and impact her whole life. Beauty magazines entice us to believe that there is a way to stay forever young. Untrue. There are many excellent anti-aging treatment options available in laser and aesthetic medicine to help women become the best they can for their age. Some aesthetic treatments, such as facial fillers, when used in large quantities can distort natural beauty…leaving the patient looking “different” but not “better”. Women want to look refreshed, younger, yet as natural as possible.

BE YOUR BEST YOU. This is a realistic goal and one that we help our patients to achieve on a daily basis. Specializing in Laser Medicine and Aesthetics for over 4 years, Shiloh Medical Clinic has the privilege of providing patients with a wide variety of the latest medical treatments for anti-aging. We customize a treatment plan for each patient according to her needs and budget. An ongoing plan for maintenance is equally as important as a treatment plan for each patient. Protecting your investment and staying ahead of the aging curve is attainable with a maintenance plan. You won’t find healthcare providers more enthusiastic, dedicated and committed to helping you refine your outer beauty or more supportive of you becoming the very best you can be. In Health,

Dr. Julie Reil

and have an amazing opportunity to do something I love and am passionate about. I am a board-certified family nurse practitioner whose desire is to help improve the health of the community, particularly focusing on Women’s Healthcare as well as child and adolescent medicine.

I was born in Aberdeen, SD and at a young age moved to Evanston, WY where I graduated from high school in 1994. After graduation, I went to Nursing School at both the University of Montana and Montana State in Bozeman. Upon graduating with my nursing degree, I worked in several hospitals in Montana and Idaho as a critical care nurse. I went on to graduate school at MSU-Billings and received my Family Nurse Practitioner degree in 2009. After graduating, I started working in community health and provided medical care for the Women’s Prison, homeless shelters, and the Family Shelter. This is where I really fell in love with providing medical care to women and children. Finally, in 2011 my husband and I chose to make a long time dream come true by opening our private medical clinic – Fuller Family Medicine! I provide routine health care maintenance for all ages but focus on women and children. I also offer a variety of dermatology procedures as well as contraception procedures such as IUD insertions and soon will be offering Nexplanon. We also offer the Ideal Protein weight loss program which is a medically supervised weight loss program. As of September 1, 2012 we have had 154 patients go through our program who have lost over 3,600 pounds! I personally have done this program and have had great results.

MEET OUR LASER MEDICAL PROVIDERS

I am so happy to be working beside my husband in a profession I love and am dedicated to. Please give me a call and we will start a wonderful, long-term medical relationship. Please contact us at: Dr. Julie Reil

Char Ayre, RN

Polly Gumm, RN

Joelle Maddox, Surg Tech

MENU OF SERVICES Visit our website

www.shilohmedicalclinic.com for more in-depth information.

LASER GENESIS • INTENSE PULSED LIGHT LASER HAIR REMOVAL • PEARL LASER LASER VEIN TREATMENT • LASER ROSACEA TREATMENT LASER TOENAIL FUNGUS TREATMENT SKIN TIGHTENING TREATMENT • GENITYTE® TREATMENT BOTOX® • JUVEDERM® • GM COLLIN® SKINCARE OBAGI® MEDICAL SKIN SYSTEMS CLARISONIC® SKIN CLEANSING SYSTEM COLORESCIENCE® PRO

1655 SHILOH RD • SUITE E • BILLINGS (406) 252-0022 • 866-252-0022

4045 Avenue B BIllINGS, MT 59106

(406) 651-well (9355) www.fullerfamilymedicine.com www.facebook.com/fullerfamilymedicine www.twitter.com/fullerfamilymed

Women in Healthcare

Sunday, September 23, 2012

Recipe for Success terpiece. If you choose to use the easiest to get and lowest cost investment, chances are you’re not going to have the best possible result. Now, do I think that your cake will flop? Probably not. But One of my favorite things to do is to buy cookbooks just to read the recipes. It’s not that I cook all the time or actually follow it’s not going to look like the one in the picture. The same goes for your investment choices. It’s important to the recipes, but I like to get ideas. The variety allows and encourput together the right mix, and this is no easy task. The most apages me to experiment with ingredients and techniques that I propriate choices depend on a lot of things based upon your risk might not ordinarily try or that make me feel uncomfortable. tolerance and age. These things should be evaluated regularly. I‘ve been told that the very thought of personal finance and saving for the future, particularly yours, make some people feel You’ll want to find a competent advisor to assist in this aspect. uncomfortable much the same way. You see, it follows the same Like our proverbial chocolate cake, it’s all in getting the right principle as trying a recipe for the first time. The hardest part is mix (and I don’t mean a boxed cake mix). So your first step is to decide you’re going to do this for yourputting all of the ingredients together and taking the first step. self. It needs to be important to you, and you need to promise You know how they show you the pretty glossy picture of a luscious chocolate cake with the recipe? Well, I think it’s impor- yourself that you’ll continue to contribute because you are worth tant to know what the picture should look like when you start to it. You also need to promise yourself that you won’t take it out prematurely (before the age of 59 and a half) because you’ll have save, too. Let’s say that you start small, say $25 per paycheck. to pay a 10 percent penalty plus regular tax on the distribution. If you’re 20 years old when you start to save and get paid every I know that there are always things that come up and you may other week, then you’ll have better than $112,000 available to you at retirement. (Disclosure time: that’s assuming you save the not have a choice, but it is important to decide right now that you are going to do this for the intended reason, for retirement. same amount each pay period at 5% interest rate.) The best part Your second step is to talk to your boss to see if there is a is that it doesn’t really cost you $25 per pay check because it is company sponsored plan like a 401k or 403b that you can participre-tax. You’ll probably only notice a difference of $21 for your pate in, and then enroll in it. Most companies have a matching $25 contribution. It’s a win-win. And that’s only $25 – imagine what it would be if you could do $100, or more? (Well, if it’s $100 program, meaning that they will match your contribution up to a certain percentage. This is free money! Take it. If the match is per paycheck with the same scenario, then your nest egg would 3 percent, it’s like you just got a 3 percent raise, and it will grow be better than $450,000.) Beautiful! What you’re invested in is just as important as how much you tax free. If you don’t have a company plan then you can contribute to an individual retirement account (IRA). are investing. Some chefs advise you use high-quality cocoa This would be incomplete (or half-baked) if I didn’t bring up while others don’t state preference. The end result will be greatly my preferred option of a ROTH IRA. In my opinion this is the affected by the quality of ingredients that go into your mas-

By Colleen Black, CPA

Diagnostic & 3D/4D

greatest gift from congress for our generation. The difference between a ROTH retirement account and a traditional account is that a ROTH is not tax deferred; you do not get a tax deduction for your contribution. The beautiful thing is, though, that it grows tax free and when you take it out at retirement, the withdrawal is tax free. In planning, it allows for some mixed income at retirement. One of the hardest parts of my job is seeing a retired individual who takes out a nominal amount from their retirement account monthly to survive on and all of it is subject to tax. They typically have to pull more out just to pay the tax. If they had both a taxable and a tax free distribution option, then there is a really good chance that no tax would be due on their distributions. Your third step is to nurture the growth of your creation and check on it regularly. Many clients tell me that they don’t even look at their statements anymore; they seem confused. Well, no one is watching for you. Look at the statement to at least see how much you have in there. Use it for planning. There are endless amounts of calculators available online that can help you calculate how much you’ll need to have for retirement. The more you look, the better you’ll get. And don’t be afraid to ask questions. There are no dumb questions. Most people feel intimidated by finances; you are not alone. Bottom line: put yourself in the driver’s seat so that in the end, you can have your cake and eat it too. Delish!

ULTRASOUND Services

FULLY CERTIFIED & LICENSED

• Ultrasounds for Men, • Licensed Physicians INSURANCE, MEDICAREInterpreting AND Ultrasounds Women & Kids • SAMEIHS DAYPATIENTS APPOINTMENTS • ARDMS Credentialed Staff ACCEPTED • Referrals Welcome from • Accept Insurance, All Providers Medicare, IHS & Self-Pay • Convenient Office Location • New Patients Welcome 1216 16th St W • Alpine Village Suite 21 • Billings MT 59102 (406) 969-4340 • www.PicturePerfectUltrasound.com

Kathleen Ryan, M.D. 1216 16th Street West

Introducing

inwith Alpine Village Suite #21 is a Board Certifiedlocated Radiologist Eastern Radiological Associates. She graduated from Billings West High School and then attended Eastern Radiological Associates is a for events Creighton University in Omaha, Like(ERA) our page ents & special offers PicturePerfectUltrasound.com professional partnership of board certified Nebraska. She continued at Creighton radiologists (doctors trained in medical for her medical degree, as well as an Joan Thullbery Karen Costello imaging and image interpretation) who internship at St. Joseph’s Hospital in RN, BSN, RCIS MHA have been providing radiology professional Omaha. She then attended University services since 1970. of Minnesota Residency Program in Our mission is simple. Eastern Radiological Diagnostic Radiology followed by a Joan Thullbery, RN, BSN, RCIS Associates serves the patient and physician fellowship in CT/Ultrasound at St. Paul Vice President, Patient Care Services & Chief Nursing Officer community of the region (Montana, Ramsey Medical Center in St. Paul, Wyoming, and surrounding) by providing Starting as a staff nurse with St. see your own department; here you the highest quality diagnostic imaging Minnesota. Dr. Ryan is a partner/ Vincent Healthcare, Joan Thullbery see it all.” This helps me understand and interventional services in a caring and physician at Eastern Radiological worked in departments throughout the best ways to facilitate the procompassionate atmosphere. Associates (ERA) in Billings, the hospital, including spending 20 cess improvements necessary in this ERA provides a full range of professional Montana. Dr. Ryan is involved with years in the Cath Lab focusing on changing healthcare environment. radiology services for St. Vincent Healthcare, the Yellowstone Breast Center which is cardiac, vascular and neurological What are your goals each day? Yellowstone Imaging Center, Yellowstone accredited by the National Accreditation intervention. She also worked as the Breast Center, Big Sky Diagnostic Imaging “At St. Vincent Healthcare, we want Program for Breast Centers and certified Director for the Neuroscience and of Billings, Ortho Montana, Frontier Cancer to give the most incredible patient by the FDA. The Yellowstone Breast Center and Blood Institute, the Yellowstone Cardivascular service lines prior to service that you could experience Center is also accredited by the American Vein Center, Arthritis and Osteoporosis accepting her current position. anywhere. That’s what I focus on and Center, and Picture Perfect Ultrasound. College of Radiology as a Breast Imaging She has served as Vice President of what the rest of the team focuses on Center of Excellence. Dr Ryan is also the Patient Care Services and Chief Nurs- as well. ” medical director for the Department of ing Officer for nearly three years. Radiology at St. Vincent Healthcare. What advice would you give to other for more information

Women Behind St. Vincent Healthcare

406-969-4340

www.erabillings.com

What do you like most about your job? “My job is really fascinating. You get to see all of the ways that things go together. As a staff person, you only

Laurie K. Neubauer, PA-C

was born and raised in northeastern Montana. She attended Montana State University in Bozeman and graduated with a Bachelor of Science in Nursing. She worked as an RN for 15 years in Tampa, FL. She furthered her education at the University of North Dakota, Physician’s Assistant Program in Grand Forks, ND. She worked as a Physician’s Assistant at The Billings Clinic in primary care for several years. Her interests include women’s health, primary care and prevention. Laurie continues her career path at the Yellowstone Vein Center in Billings, MT. She is responsible for evaluation of venous disease and assists the interventional radiologist with in-office procedures and provides patient care.

women beginning their careers? “Make choices to do things that stretch you a little bit and make you glad every day.”

Karen Costello, MHA

Senior Director, Ancillary Services

2900 - 12th Avenue North • Suite 4E

www.yellowstonevein.com

Better Legs, Better Life. We have answers to your vein questions.

Give us a call.

We offer VenaCure EVLT treatment which is a minimally invasive in-office procedure. We will help you determine your insurance coverage. We are in the community and available for your call Monday through Thursday.

Take the first step and schedule your free personal vein screening:

(406) 237-VEIN (8346)

Karen Costello began her career at St. Vincent Healthcare as a candy striper, going on to complete first a two-year radiology technician program and then a bachelors degree. Promoted to supervisor and then Director of Radiology, she found she enjoyed working in a management role and decided to obtain a Master of Health Administration. For the last two years, she has been the Senior Director of Ancillary Services, overseeing both clinical and non-clinical support divisions. What is your greatest strength? “I really do enjoy talking with people, and I think I’m a pretty good listener. This is a people-oriented field,

whether it’s the people you’re working with or the patients you’re taking care of.” What do you consider your greatest successes? “Being here at St. Vincent after all of these years. It’s a point of pride—I feel that I’ve grown up with this organization, and this is a wonderful place to be.” What advice would you give to those entering the workforce? “Go in there and do the best job you can and make it the most you can. You can go places you never dreamed.”

Women in Healthcare

Sunday, September 23, 2012

Illness has impact on job performance Metro Service People who want to be more productive at work may be able to skip learning seminars or extra school courses and simply focus on personal health, including taking health concerns seriously. Personal illnesses are not only bad for employees but also bad for business. A survey by CCH, a leading provider of human resources and employment law information, has found absenteeism can mean billions of lost revenue for U.S. businesses. The nation’s largest employers estimate that unscheduled absenteeism costs their businesses more than $760,000 per year in direct payroll costs, and even more when lower productivity, lost revenue and the effects of poor morale are considered. One of the primary reasons employees miss work is poor health stemming from stress and depression. About 14.8 million American adults suffer from depression, according to the National Institute of Mental Health. Depression is the leading cause of disability among young adults in the United States. Canadian studies looking at lifetime incidences of major depression found that roughly 8 percent of adults over 18 years of age met the criteria for a diagnosis of major depression at some time in their lives. Depression is not just passing feelings of sadness. It is a persistent feeling of worthlessness or helplessness that is often accompanied by loss of interest in pleasurable activities. Depression may cause sleep disturbances, decreased energy and an inability to concentrate. Stress, anxiety and depression are often linked. Stress may trigger anxious episodes, which in turn can lead to depression. Anxiety and depression progress together because obsessive worrying keeps a person in an increased state of arousal that results in depression at its most severe, say mental health experts. Many people fail to take their health concerns seriously or fear the ramifications if they admit a “weakness.” Some continue to try to plow through at work, which is neither productive for the employee nor his or her employer. Lack of concentra-

8 Roughly

tion may lead to mistakes made on the job. It is in everyone’s best interest to make good health a priority. To do so, individuals can follow these guidelines. • Don’t overlook symptoms that may be indicative of depression or anxiety. Visit a doctor and talk about how you have been feeling. According to a recent large-scale study published by the Rand Corporation, depression results in more days in bed than many other ailments (such as ulcers, diabetes, high blood pressure, and arthritis). Staying in bed for extended periods of time could be indicative of mental illness. • Sit down with your employer and explain what is going on. You do not want him or her to simply think you are goofing off on the job. If your employer values your work, then that employer will help you out during a period of illness. You also may be entitled to extended time off through the Family Medical Leave Act. • Put yourself first. You cannot help others without first helping yourself. • Consider talking with others in similar situations. There are many support groups that take place both online and in person. • Recognize that stress can manifest itself in a variety of ways. It may compound blood pressure issues and tax the cardiovascular system. • Depression and anxiety are more common than you might think. At any given time, one employee in 20 is battling depression. • Employers can be on the lookout for signs of problems and confidentially approach employees to determine the source of poor performances on the job. Some employers offer counseling as part of employee benefits. Employees should not take their health lightly, especially when illnesses like depression and anxiety can impair their abilities to do their jobs. Mental and physical health can have a trickledown effect on job performance. Employees and employers can work together to come up with solutions.

of adults over 18 years of age met the criteria for a diagnosis of major depression at some time in their lives

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One of the primary reasons employees miss work is poor health stemming from stress and depression. Metro Services

Dr. Lisa Abeln As a high school student, I volunteered at St. Vincent Healthcare, and shadowed physicians during surgeries knowing that I wanted to do something in health care. I graduated from MSU-Bozeman with a degree in Cell Biology and Neuroscience with a Biomedical Science option. I discovered my passion for dentistry in Bozeman after taking a pre-dental class and shadowing multiple dentists. I then went to University of Minnesota for dental school and graduated with a Doctorate of Dental Surgery. I have been fortunate enough to be working at Turley Dental Care (TDC) since graduating. The aspects of dentistry I enjoy the most is working with a patient to achieve a better smile and better oral health, being able to let my inner perfectionist come out in my work, and to give patient’s a better experience than what they remember having years ago. At TDC patients are able to experience all of the newest dental technology and it has been fun for me to keep up to date with all of it through continuing education courses. I hope to encourage more women to get into this wonderful field of study. My spare time is spent with my husband Mitch and our 14 month old daughter. I enjoy photography, scrapbooking online and planning parties for friends and family.

315 North 25th Street, Suite 101, Billings (406) 248-6177, www. turleydentalcare.com

Dr. Ofelia Marin is the first full-time Pediatric Gastroenterologist in Montana. Dr. Marin has 18 years of experience, providing diagnosis, procedures and treatments for pediatric digestive and nutritional disorders including:

Access Women in Business online at www.billingsgazette. com/specialsections.

• Acid Reflux • Celiac Disease • Chronic Abdominal Pain • Constipation • Diarrhea • Food Allergies

Marin Pediatric Gastroenterology & Nutrition Dr. Deborah Angersbach Dr. Deborah Angersbach is an associate naturopathic physician at Yellowstone Naturopathic Clinic. She graduated from Bastyr University in 2003 and practiced in California for 2 years. She then joined YNC as a resident in 2005 under the supervision of Dr. Margaret Beeson, remaining on as an associate after the residency. Her background is in biology and chiropractic medicine, practicing for 12 years as a chiropractor before becoming a naturopathic physician. Dr. Angersbach believes in the healing power of nature and in teamwork for achieving a greater level of wellness and balance in our lives. She specializes in women’s health care but treats the whole family as well. Hormone imbalances such as low thyroid, menopause and adrenal issues as well as fatigue, depression/anxiety, digestive problems, allergies, fibromyalgia and environmental toxicity are commonly treated. Additional areas of training include regenerative injection therapies for chronic or acute joint pain.

call today to make an appointment

406-259-5096

visit our website for more information:

www.yncnaturally.com

Dr. Patricia Holl Dr. Patricia Holl is the staff chiropractor at the Yellowstone Naturopathic Clinic. She is an honors graduate from Rutger’s University in New Jersey, and graduated from the Los Angeles College of Chiropractic in 1998. She has years of dedicated experience in comprehensive chiropractic care for pain management, rehabilitation, pre- and post-surgical conditioning, postural instruction and general wellness. Dr. Holl has been with the Yellowstone Naturopathic Clinic since 2006, where she works with patients to relieve musculoskeletal pain without drugs or surgery. She coordinates patient chiropractic care with integrative disciplines, both alternative and allopathic, to ensure maximum benefit. She frequently lectures to medical professionals and the public on chiropractic medicine, emphasizing a gentle, unhurried approach. Dr. Holl is also a board-certified animal chiropractor and an instructor at Options for Animals College of Animal Chiropractic in Kansas, as well as at the newly formed program at Southern California University of Health Sciences.

call today to make an appointment

406-259-5096

visit our website for more information:

www.yncnaturally.com

• Growth Failure • Foreign Body Removals such as coins and batteries • Inflammatory Bowel Disease • Hirschsprung Disease

• Liver Diseases • Obesity • Malabsorption • Motility Disorders • Pancreatitis • Short Bowel Disease

406.245.0516

Mon-Fri • 9am-5pm • Flexible hours upon request

1645 Parkhill Dr • Ste 1 • Billings, MT

Dr. Margaret Beeson The founder and owner of Yellowstone Naturopathic Clinic in Billings, Montana, Dr. Margaret Beeson is a leader in efforts to advance the quality of naturopathic care and integrate conventional and alternative medicine for patient benefit. She brings 35 years of medical experience to her practice, including a 15-year career as a nurse, physician assistant, and nutritional consultant. Before completing medical school at John Bastyr College of Naturopathic Medicine [Bastyr University], she served in the U.S. Navy Medical Corps, and worked as a hospital and private practice nurse involved in surgery, recovery, acute and chronic care, ICU, psychiatry, allergies, nutrition and environmental medicine. Dr. Beeson has worked to raise standards of naturopathic practices and provide advanced clinical training for naturopathic doctors. She collaborates frequently with the conventional medical community. Dr. Beeson has been practicing as a primary care physician for 23 years and established the Yellowstone Naturopathic Clinic in 1992. She uses an integrative approach in addressing disease, identifying the underlying cause and employing numerous physical, nutritional and botanical modalities for optimal outcome.

call today to make an appointment

406-259-5096

visit our website for more information: