She Is | January-February 2011

Page 1

Sheis

in this issue

Make fitness goals a reality page 9

Vol. 2 Issue 6

More than Money

23

Green

25

Organization

29

PopWatch

30

Etc.

31

page 13

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Find your

page 10

Plan your retirement

Recharge relationship your

page 12

Schedule a girls-only getaway

style from the editor of

page 26

She Is

L ooking for some inspiration during these cold winter

— Mandy Shugars, editor

months? Local women are here to help, offering their personal stories and advice on how to forge your own career path. But we all know life is about more than just a career, so we also have take-charge tips on your health, diet and fitness routines, relationships and financial situation. And we’ve got to find time for a little fun. If your wardrobe is in need of an overhaul, a personal shopper is here to provide do’s and don’ts for all the latest trends. Now, back to those winter blahs: Why not get out of town with a couple of friends and enjoy a weekend of shopping or chocolate — or both! This issue is about taking charge, after all, so why limit yourself? Cheers!

Mandy Shugars

Interested in advertising in She Is? Call 419-521-7343 or e-mail kgearhart@gannett.com Published by News Journal, 70 W. Fourth St., Mansfield, OH 44902 • Phone: 419-522-3311 PUBLISHER: Bill Albrecht ADVERTISING DIRECTOR: Jeff Coppler ADVERTISING MANAGER: Kelly Gearhart SHE IS EDITOR: Mandy Shugars DESIGN: Anna Newland CONTENT: Gere Goble, Holly Harman Fackler, Jami Kinton, Daniel Melograna !"#$$$$%&%'&$

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It’s 2011 — got resolutions? Many of us do. I don’t think I’m too far off the mark to guess many of us have the same ones year after year. Why? Because we didn’t accomplish them the first five times. Resolutions are personal goals set to a new calendar year. At their best, they are a fresh start. At their worst, a well-intentioned farce. We tell ourselves this year will be different, then shrug at the first setback: “Oh well, there’s always next year.” How about this year we really make that personal goal happen? Here’s how: BELIEVE IT The first step to achieving any goal is to believe in it. The first step in believing in it is making it real. A real goal has three properties: • It is reasonable. • It is specific. • It is something you truly want to change. Say you want to lose weight. Reasonable? Sure. Specific? Not exactly. By CHRISTY PLAUGHER She Is

Then, pick the four best ones — the ones you’ll really do. For each of those four actions, write a positive affirmation about that goal statement. For example: • I don’t eat after 7 p.m. because it helps my body recover and rejuvenate. • Water is the silver bullet of weight loss. • I eat food that helps my body be strong and fit. • I have time to exercise three times a week. Every time I exercise, I feel healthy, strong and more productive. ACHIEVE IT Put positive action statements in places you will see them: on the fridge, in your day planner, next to your computer. Whenever possible, say them out loud.

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How about losing 10 pounds in two months? A goal of losing one or two pounds per week is realistic and specific. Next, commit to your goal. If you truly want to achieve it, state it as a belief, not a desire. Not “I want to lose 10 ten pounds in two months,” but rather, “I am losing 10 pounds in two months.” IMAGINE IT Imagine your goal as being achieved. What types of activities are now part of your routine? What steps do you have to take to get you there? In our example, list ways “I will lose 10 pounds in two months.” You might include: • Not eating after 7 p.m. • Drinking more water — eight 8-ounce glasses daily. • Eliminating white flour and white sugar. • Not drinking juice or soda. • Not splurging on candy. • Exercising three times a week. • Eating smaller portions. • Not taking seconds. • Packing your lunch. • Eating more vegetables.

Photo by Matthew Berry

There’s an expression in goal setting: “Fake it till you make it.” The more you repeat positive thoughts, the more you’re setting your success in motion. One side note: Setbacks are inevitable. None of us is perfect. But here’s the thing about setbacks: They’re just setbacks, not total failure. Once you set your goals, tell yourself you can do it — because you can! One of my favorite quotes is from Henry Ford, “Whether you think you can or think you can’t, you’re right.” So, believe you can. Imagine what being there looks like, and accomplishment will follow. Hmm, I wonder what new resolution you’ll set next year? Christy Plaugher is a fitness professional with more than 20 years experience in the fitness industry. S January/February 2011 | She Is | 9

Thinking about retirement?

Start NOW! By ABBEY ROY She Is

Retirement. How will you spend yours? Swaying in a hammock on a Caribbean beach, listening to the waves on the seashore? Gardening? Finishing the scrapbook you’ve been meaning to work on for the last 10 years? All of the above? Now that you’re thinking of it, it’s as good a time as any to spring into action if you haven’t already. It’s never too early to think about the ‘R’ word — and studies have shown that women, more than ever, need to take a handson approach to handling their nest eggs. “One of the things that I make an effort to do is to educate women as much as possible, because the more educated they are, the smarter financial decisions they will make,” says Bernadette Collins, a financial adviser with MetLife in Dublin. The international company has offices throughout central and northeast Ohio. The MetLife Mature Market Institute recently released a study titled “It’s Not Your Mother’s Retirement: A MetLife Study of Women & Generational Differences” that examines retirement perspectives of mothers and daughters in

Among the key findings: • Daughters will work longer than their mothers — 75 percent of mothers retired before 65, but only 37 percent of their daughters expect to retire at that age. • 56 percent of daughters believe their retirement will be better than their mothers’. • Daughters also are more likely than their mothers to see retirement as a period of continued activity rather than a time for relaxing. • More than a third of daughters say their biggest financial adjustment at retirement will be living on a reduced income or budget. The study also revealed that lack of money and poor health are viewed by women as two major obstacles in the way of achieving a better retirement. 10 | She Is | January/February 2011

a variety of age groups. The average age of daughters surveyed was 45.3 years; the mothers’ average age was 65.5 years. The bottom line? Educate and plan — early on. If you need to, enlist the help of a financial advisor. “You don’t need to be an expert in all the retirement issues,” Collins says. “At the very least, you need to know what you have and where it’s at.” Learn about where your finances have been invested. Examine your accounts. Take into consideration things such as the cost of health care in retirement: with increased longevity, long-term care may be necessary. “Medical costs will be greater in later years,” Collins says. Faithfully contribute to your 401(k) plan or IRA and continually analyze what you’re putting into it. Adjust your investment objectives according to your goals. Mansfield-based Pinnacle Wealth Planning Services on its website recommends additional retirement strategies, including annuities, modified endowment contracts and the Roth IRA. For more information about these and other options, consider looking up a financial advisor who can help you analyze your retirement goals. Meanwhile, take some time to think about when your retirement will begin and how you’d like to spend it. And try not to stress: Chances are, you’re better off than you might think, Collins says, in relating her experiences working with women. “Until you lay it out for them and they see it in black and white, a lot of times they’re more comfortable than they realize,” she says.

Ready to retire? Check out these tips.

In your 30s: • Continue contributing to your 401(k) plan or IRA and look at how it’s being invested. Can you put your money into more aggressive investments? • Take out a disability income insurance policy. If you become disabled and can’t work, it can replace a portion of your income and help pay the bills.

Stock Photos

• Make sure you have enough car and homeowners’ insurance. • Work with a lawyer to establish a will and address any other estate planning needs. In your 40s: • Review your life insurance policies. • Set specific retirement savings goals. • Examine how your 401(k) plan or IRA money is being invested. Have your objectives changed? • Check the names of your beneficiaries and heirs on your will, life insurance and financial accounts. • Explore your options for long-term care insurance. In your 50s: • Revisit your retirement savings goal. • If you’re behind on savings, catch up by taking advantage of higher contribution limits in 401(k)s and IRAs. • Review your estate plan. In your 60s: • Consider your retirement income strategy. Can you live off a small percentage of your retirement assets and continue investing the majority, or are you ready to begin receiving an income stream? • At retirement, keep your 401(k) assets in your employer’s plan if that’s an option, or roll your balance to an IRA to retain the tax benefits. • If you earned a traditional pension, compare the payout options and make sure your choice doesn’t exclude you from other retiree benefits. • Find out when you can receive your full Social Security benefit. You may want to hold off on collecting your benefit up to age 70 to increase your monthly payout. S Source: MetLife

January/February 2011 | She Is | 11

Recharge relationship your

By LOIS WHYDE She Is

Has your marriage lost that loving feeling? Is your spouse feeling the same? How do you reconnect? Connectivity is how fulfilled you feel in a relationship, says Kathleen Holmes, a licensed professional counselor. “Do you have the freedom to share thoughts and emotions?” Holmes asks. “When there is a hesitancy to do both, the level of connectivity or intimacy is challenged.” OK, so you have evaluated the relationship and something is missing. How do you change it? “That’s the million dollar question,” Holmes says. “Reconnection requires intentionality. One part is putting yourself in the other person’s shoes or thinking of the other person first.” Robert I. Mathis, a pastoral counselor, cautions you can’t change someone else. In fact, the more you try, the less they will change. “A connected relationship will change when you change yourself,” Mathis says. “No guarantees how it will change, but it will change.” How do you know if your relationship needs a tuneup? • Do you feel stuck? Are you in a rut where nothing is fun? “If you find yourself acting like your mother and father in their marriage, then you might feel stuck,” Mathis says. • Are you losing “you” to stay a “we”? “If you have to compromise everything you do to become a ‘we,’ that can cause resentment,” Mathis says. “Resentment is a key factor in losing you.” • Do you blame your partner, rather than finding creative ways to change yourself? “You can’t change anyone else,” Mathis said. “The more you try, the less they will.” 12 | She Is | January/February 2011

How do you reconnect? “It can be as simple as spending more time together,” Holmes says. “And looking into each others’ eyes and talking from the heart.” Personality inventories help couples understand each other. While there are simple versions available online, Holmes recommends seeing a qualified administrator of a Myers-Briggs personality test. John Fouts, a licensed social worker, likes to use what he calls the “Pie of Life” exercise. Here’s how it works: Couples draw a picture with six to eight slices in a circle, representing mental, physical, emotional, sexual, spiritual, financial and social components of life. Next, they each evaluate their satisfaction on a scale of one to 10 — for each component. The higher the score, the more fulfilled they feel. What emerges are the values each places on those subjects, Fouts says. “The whole idea is to get their thoughts, worries and concerns on the table — to talk about them and not be afraid of them,” he says. “Then by talking more, sharing more, risking more, they get more connected.” S

!"#$%&'()(*+',-,(%.'/-0%. Local women offer take-charge insight By SHERYL POTTS She Is

A new year offers opportunity, promise and possibility. These three successful and inspiring women offered to share their personal insights into how we, as women, can take control of our lives and soar to new personal heights this year.

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Retired French teacher, chairwoman of the Richland County Foundation’s Women’s Fund Jo Black is a kind, soft-spoken woman dedicated to giving back. She is an advocate for teen girls, mental health and education, and, through the Women’s Fund, has introduced the Mansfield School District to an effective anti-bullying program. As a French teacher, she spent 30 years making sure students in the Madison School District received a well-rounded education. “When I grew up, there were three alternatives for women choosing a career — secretary, nurse or teacher,” Black says. “I chose to become a teacher and have been extremely happy with that choice. Kids are the basis of my life. “I feel deeply that I earned my living through the support of the community, so now feel obligated to give back.” Black has been involved with the Women’s Fund for six years and was elected to chair the organization in June. “Our basic function is to use the funds that have been donated for women and girls to empower them,” Black says. “The Women’s Fund also develops programs,” she says. “We brought the issue of bullying to attention in this area through a series of speakers, workshops and counseling. We held two programs where teen girls sat on the panel and poured their hearts out. I think it gave educators, parents, counselors and students a whole new perspective.” Black’s personal journey has been sprinkled with encouragement — from her parents, family members, mentors, role models and husband — giving her the confidence she needed to succeed.

Photo by Sheryl Potts

“I m “I married arrriied ar ie ed d llate atte iin a n llife,” iffe e,,” Black Bl B la acck says ssays. sa ays ys. “B “ “By By th the ti the ttime im ime me eIg got ot m ot mar married, arrriie ar ed d, I ha h had ad my my independence. care off m myself. in ndepe de d ep pe end nde en ncce e. I kn kknew new ew I ccould ould ou ld ttake akkke a e cca are re o my yself yse se elff. I think that’s important. “You should never be complacent. Don’t rest on your laurels. Continue striving and looking for opportunities where you can contribute — where you can make a difference. “I would advise women to seek encouragement from each other and to nurture a strong faith. “Success to me is the feeling I have given something of myself to make someone’s day brighter — knowing I made a contribution to the community and the life around me.”

January/February 2011 | She Is | 13

!"#$%"&'(#)*)+" Captain, Mansfield Police Department

Marijan Grogoza is a nontraditional woman, independent and strong — with a well-rounded feminine need to nurture. During the last 27 years, Grogoza has pursued higher education — earning several degrees and certificates — managed a few businesses, maintained a mini-farm and developed volunteer opportunities, all while rising through the ranks to captain at the Mansfield Police Department. “I knew I needed a career that was challenging physically, mentally and emotionally, and

Photo by Sheryl Potts

14 | She Is | January/February 2011

that’s what I got,” Grogoza says. “I knew I wanted to become a police officer, and that’s what I did. I may not have gotten done exactly what I wanted to, yet, but I have had great opportunities and have enjoyed my work.” At the police department, Grogoza is in charge of uniformed patrol and the detective bureau. “It’s challenging,” she says. “It’s a non-stop education in human behavior. I like working cases and completing investigations. I’ve gone through the FBI Academy for police officers and completed ple pl etted te ed d my master’s degree at Akron University in public pu p ubl blicc administration.” a Grogoza Grog Gr og believes charity starts at home. She has has organized ha orrg o rg a catch, neuter and release program grram g am for fo feral cats in her neighborhood, and gives giive g ves o ves of her time to at-risk girls. Grogoza Grrog G og says women need to stay strong and focused ffo ocuse cusse cu e ed d on their personal journeys. “I’m “II’m ’m a nontraditional woman,” Grogoza says. “I don’t don do don’ n’’t h have the kids or the house in the suburbs. I would wo wo oul uld define my success by my career, involveul ment me m ent nt with w my community. Sometimes life is a little bit biit of b of a wreck, and sometimes it’s wonderfully grand. grran g and d.. Through the peaks and valleys, it’s important tta ant nt to to keep a positive attitude. I’ve made my mistakes miist m stake ake and bad decisions, and I’ve certainly had ak my my disappointments, dis isa but it’s important to keep going. goin go ng g.. Learn from your mistakes and do a better job jjo ob next nex time.” ne “I’ve “II’v “I ’vve spent the last few years simplifying my life,” lilife life fe,,” ” she s says. “I’m reducing clutter — and clutter ccllutte utter ut ter can be anything from things to activities te to o unwanted un nw w commitments. … I’ve decided I’d rather ratth ra he err do one or two things well, rather than 16 not not so no so well.” “My “M advice is to do what makes you happy and and do an d what you’re good at,” she says. “A woman wo w wom om can do anything. Don’t take your image age of ag o success from what society — or the TV — tells te you to. Take it from what makes you te feel fee fe ell good. Don’t feel any pressure to be that woman; wo w om just be you.”

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Director of the North Central State College eg e ge Urban Center, minister, business owner Cheryl Carter is a vibrant woman. She’s a pasasssionate, robust and enthusiastic lover of life b bent ent en on empowering and inspiring all who cross her er path. She earned her bachelor’s degree from Ohio iio o State University in computer systems engineererr-ing with emphasis in electrical engineering, she he he says, and started out in that field — then went nt into sales and marketing. “In 1997, I decided I wanted my career to b be e less about money and more about how to im-pact lives,” Carter says. She became a minister er and studied to become a naturopath. “As an engineer and in sales, I was a probe lem-solver,” she says. “Now I wanted to solve problems for people to get them to a higher o level of living and being. … All we have to do is expand the mind, take control of life, do something different and get better results.” Carter says she was a victim of abuse for many years. “I spent that time feeling like a powerless victim, not understanding the choices I had. I was buried in many levels of fear — fear that kept me paralyzed.” Eventually, she reached a turning point: e “My final decision was that I was going to live and not die, and be the best person I can.” “I will never again be held hostage by another individual’s opinion of me, their emo-tions or their economic power,” Carter says. “I will work to celebrate who I am and help other women discover who they are.” “What’s important in empowerment is clarity of purpose — staying focused,” ferr-fe Carter says. “I move through a number of different spaces — my husband and I pastor the Spirit ii and Truth Christian Center here in Mansfield, I am the director of North Central State College’s new Urban Center. I’m an inspirational speaker for women conducting workshops all over the country. In all those things, I have one focus — empowering people.” The NCSC Urban Center’s classes allow people to take that first step toward higher education, with opportunities for early successes and students

Photo by Sheryl Potts

ssurrounded su urr rrou oun nd ded ed w with itth su ssupport. uppor ppo pp orrtt.. “We’re “W “ W ’ giving i i something hi b backk to the h community,” Carter says. “This place belongs to the community. We’ve removed every barrier. It’s a starting place and a bridge to main campus.” How does Carter define success? “It’s really simple,” she says. “It’s about you becoming you. It’s a discovery process to finding your power. When we’ve finally tapped into who we are, and we’re doing what we’re created to do, that’s success.” S

January/February 2011 | She Is | 15

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experts say ew Year, health N e th in ht g wei d making ting habits an t goals to lose ea se g le in p nd eo p ta y -s While man changing long out dieting as ab h k. uc m so t ounds during it’s no hout the wee ropping 103 p ercise throug d ex le hi to t w n en o ss itm she finally that le a comm ts, Carol says lville, learned ie el d B f st o te , la ry w e o d to start ying th Carol M decades of tr way she ate an e er ft th A e g s. ar an ye ch the past two She needed to ts were right: er p ex ut o ed healthy foods figur d snacking on . an en ns im g io rt re o p se r ci e weight smalle an exer scale. When th lories, eating r ca he f o n o k g ac tr rin g a gym s appea Keepin e now goes to e the number Sh . uc d ut o re rk ed o lp w to gradually he more energy off, Carol had g in etter. m b co lt d fe r te star she neve ys sa d an k wee weight. the weight three times a r to start losing he ed at tiv e says. “Losing o sh m ” es s, er su is ht g ty Mobili my granddau ke walks with loves “Now I can ta , and now she ily m fa ” r e. he lif r y fo m thier king has changed new and heal s enjoyed coo ith ha w s ay up w e al m co ife these days allenge her to The farmer’s w meal times ch e eats a lot of sh se au ng hi ec b et m re o so it even m ys venison is versatile. e food. She sa but it’s more n, ke ic ch to r ways to prepar simila lorie count is because the ca taste. , but high in es ri lo ca in w recipes lo a few simple Carol offers

18 | She Is | January/February 2011

Place P Pl a fish in a ac sprayed spra sp raye raye ra ye baking dish, and an nd sa ssalt a and pepper the fi the th fisssh. Prepare Pr P re ep p sauce, stirring stir st irri ir ring ri ng together 2 tablespoons tabl ta ab blle le rreduced-fat re edu duce duce du e sour cream, ccr re ea am 1 tablespoon dijon d di jjo on m mustard and 1 tablespoon tabl ta abl bless drained ccapers. ca perrss Pour over pers pe the th he fi fisssh, and sprinkle with w wi ith th llemon e pepper. Bake Bake Ba ke at 425 degrees gree gr eess for 10 minutes. Serves S rvv two. Sauce Se iss 2 25 5 ccalories per serving, serv serv se rviin ng plus calories for fo or th the he fish.

"# $%%&!'!& By ANNE MILLER She Is

g right keys to a fitter you Orange-Glazed Salmon Spray skillet with cooking spray and cook salmon for 2 to 3 minutes per side. Add 1/4 cup orange juice and 1 tablespoon real maple syrup; cook to reduce until sauce becomes a syrup, basting the salmon as it cooks down. Serve syrup on top of salmon.

Roasted Sweet Potatoes Cut 1 large sweet potato into chunks, slice half an onion and drain 1 cup pineapple chunks (in its own juice). Place on a baking sheet and drizzle with 1 tablespoon olive oil. Mix and roast at 400 degrees for 35 to 40 minutes. Add 1 tablespoon flaked coconut the last 5 minutes. Serves two. 150 calories per serving.

Opt for a smarter snack Many people admit they are able to count calories during mealtime, but weaken when it comes to snacktime. Registered dietitian Annmarie Thacker says dieting doesn’t mean total deprivation when it comes to snacking, and offers these healthy ideas for munching: • Medium apple and 1 tablespoon peanut butter • Low-fat string cheese and a medium piece fresh fruit • 6 ounces light yogurt with 2 tablespoons cereal or nuts • 1/2 cup low-fat cottage cheese and 1/4 cup unsweetened frozen or fresh berries • Two graham crackers with 1/4 cup low-fat frozen yogurt and sliced banana • 1/2 cup oatmeal with cinnamon and fresh or frozen berries • Fruit smoothie: 1 cup low-fat or fat-free milk, 1/2 cup frozen or fresh berries, half banana • 100-percent fruit juice frozen fruit bar (try making these at home) • Low-fat fudge bar • 6-ounce container light whipped yogurt, frozen • Two celery sticks with 1 tablespoon peanut butter or low-fat cream cheese • Broccoli, carrots and peppers with 2 tablespoons hummus or reduced-fat vegetable dip • 3 cups air-popped popcorn or one “mini” bag of light microwave popcorn • Homemade trail mix: 2 tablespoons each unsweetened cereal, dried fruit and nuts • Six whole wheat crackers with one ounce low-fat cheese • Mini bagel with 1 tablespoon reduced-fat cream cheese • Veggie pizza: whole-wheat English muffin, pizza sauce, 1/4 cup low-fat cheese and veggies S

January/February 2011 | She Is | 19

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Proact Take steps to lower your risks of disease By LOIS WHYDE She Is

“Taking charge� can be applied to almost every area of your life, but nothing is more important — or vital — than your health. Before any problems arise, why not take a proactive approach to your well-being?

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“The most important (preventive step) is to stop smoking,� says Dr. Craig Cairns of Licking Memorial Health Care Systems, citing 400,000 smoking-related deaths in the United States annually. “It is a benefit if you stop at any age.� A number of screenings can help women monitor their health, he notes. In addition to the ones listed below, Cairns

ctive also recommends screening for depression, which is estimated to affect 20 percent of the United States’ population. The screening’s tools, he says, are simple and accurate. Recommended health screenings • Colon/rectal cancer: Starting at age 50, this test should be done every 10 years, says Christa Lawhorn, nurse practitioner with Mansfield Family Practice. She notes one caveat, however: If there is a first-degree family relative with colon cancer, the screening should take place sooner. • Mammograms: Although there has been some recent debate about these guidelines, Lawhorn says women older than 50 should be screened every two years — or earlier if there is family history or an indication of family history. • Pap smear: Short for Papanicolaou test, it is a screening to detect precancerous and cancerous cells in the cervix. This is recommended for women age 21 or those sexually active for the past three years. This test should be done every three years. “One of the most successful screenings is the Pap screen,” Cairns says. “We don’t see much cervical cancer anymore, because of it.” • Blood screenings (which include high blood pressure, cholesterol and other blood fats): Yearly for both men and women, starting at any age. “Exercise, three times a week, makes a difference with everything,” Lawhorn says. “It makes a difference in high blood pressure, diabetes, etc. Anything will be better than nothing.” Essential vitamins for continued good health John Coles, a registered pharmacist and nutrition expert, is known as the Vitamin Guy, traveling to pharmacies throughout Ohio for one-on-one consultations. He makes the following recommendations for women: • Calcium: 500 to 1,500 milligrams a day. Calcium is hard to absorb, and most women don’t get enough. • Vitamin D: “This is the key that unlocks the door to the

bones that allows for absorption of calcium,” Coles says. • Fish oil: “Women tend to run hot with inflammation in the body, and Omega 3 cools the body down,” he says. “Since it is an oil, it also acts like a laxative.” One piece of advice: To prevent fish oil from causing regurgitation, freeze capsules and ingest frozen. Easy ways to improve your diet • Eat more fruits and veggies: Along with upping your produce intake, Cairns suggests cutting down on saturated fats, trans fats, sugary food and foods low on the glycemic index, also noting salt intake should be kept to a minimum. • Cut down on alcoholic beverages: Keep the margaritas — and cosmos and daiquiris — to a minimum, which means one drink a day for people younger than 65. Two drinks is considered the maximum. S

January/February 2011 | She Is | 21

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BE PREPARED Your best financial self-defense

By DEB SCHENK She Is contributor

Stock Photo

4

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Be prepared. That call to action should be familiar if you grew up around a Boy Scout. When it comes to personal finances, preparation is the best defense against financial adversity — and it can come from all directions: From interruptions in income beyond your control • Death of a household income producer. Life insurance, which comes in many forms, is great protection. • Disability of household income producer. Often overlooked, this can be more financially devastating than death. Disability insurance is available to lessen the financial impact; the emotional impact is more than enough to bear. Both short- and long-term insurance plans are available. • Employer downsizing. Always keep an updated resume, and keep learning. • Retirement earlier than planned. Most experts recommend you maintain a diversified portfolio of investments within your retirement accounts; seek reliable professional counsel often. • Divorce. Establish some credit in your name and make payments promptly; maintain some liquid assets in your name only.

• In general, most financial advisers suggest six months of routine living expenses in liquid savings is a sound financial safety net. From unexpected increases in expenses • Disability of family member. Disability insurance beyond what the government may provide and long-term care insurance are your best defenses, unless you have a strong and liquid net worth. • Custody of someone else’s children, an expensive mixed blessing. If you have been named as guardian, make financial arrangements in advance. If it’s a surprise, your personal resources will be stretched, so have some options available to expand your home, cover increased living expenses, etc. • Medical expenses not covered by insurance. Again, longterm care insurance may help; also letting a Health Savings Account grow while your income is strongest may provide a meaningful financial cushion later. Sometimes, you can talk with health care providers about payment plans or qualifications for charity care. • Divorce. Ultimately it’s a financial decision, so before you make it, be sure you have the funds available for both legal and separate living expenses (including child care). From being a victim of identity theft Banks and businesses are working to protect you, but can only do so much; there must be a strong element of self-defense: • Have a plan ready — complete with phone numbers — of whom you will contact and information each will need. • Visit www.ftc.gov/idtheft and www.privacy.ohio.gov/citizens for more. From being left to manage household finances for the first time • Shadow the current household finance manager. • Know where records are kept — including passwords. • Know where important household documents — wills, birth and marriage certificates, and life insurance policies — are stored. Any one of these financial threats is worthy of further research. This is simply an overview of issues worth considering. As always, you will be forced to make some difficult choices along the way. Being prepared will take more than just reading this column. But having a plan in place will bring peace of mind. Doesn’t that make it worth the effort? S Deborah M. Schenk is president and CEO of Mechanics Savings Bank and a grateful native of Mansfield. January/February 2011 | She Is | 23

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Resolve to be

r greener e s o l u t i o n s By ANGIE PALMER She Is

If you want to reduce your carbon footprint, it will take a little planning and determination — as with most things in life. But it’s a new year, so why not set a few eco-friendly goals? Here are some ideas to get you started: Recharge your batteries.

While you are used to charging laptops, cell phones and toothbrushes, why not use rechargeable batteries for all your gadgets?

Eat in restaurants that don’t use Styrofoam.

Styrofoam doesn’t decompose, and while some companies recycle it, they are rare in Ohio. Don’t overcrowd already crowded landfills. Bring your own takeout box and silverware to fast food restaurants and casual diners.

Switch off, turn down and unplug.

This is the simplest solution, yet can seem so difficult. Just visualize money being burnt every minute when you leave the lights or water on.

Organize your errands.

Save time and gas by grouping all your errands into one day and using an online map to plan your route. Why waste money zig-zagging all over town?

Leave your car at home.

Walk, carpool, bike or take public transportation weekly, and give your car a break. Consider this a great time to socialize.

Use filtered water.

Why pay the same amount for a couple gallons of bottled water when you could get hundreds of gallons of city water? Buy a good filter, and take a plastic or stainless steel bottle wherever you go.

Try vegetarian or vegan meals.

Plants take much fewer resources to grow than livestock. Even if you or your family are not vegetarians or vegans, more fruits and vegetables can lead to better health.

Invest in a drying rack.

A drying rack, which can cost as little as $10, will save on water, electricity and clothing wear-and-tear.

Opt for reducing and reusing.

Recycling is not our best option. Since we already generated trash, we now will need more resources to turn it into something useful. Focus on reducing and reusing.

Nullify plastic bags.

How many times have you been prodded to use reusable shopping bags? It’s about time. Choose the cotton, machine-washable variety.

Shop local.

You are not only supporting local businesses, but also are cutting down on transportation and on pollution generated by factory farming. S

Angie Palmer can be reached at info@skyepublicrelations.com.

January/February 2011 | She Is | 25

Stock Photo

Whether you’re catching up on gossip, working on a scrapbook or watching some of your favorite chick flicks, nothing beats a weekend with the girls. But with the chaos of the holidays, it’s probably been difficult to catch up with your favorite gal pals. So start 2011 off right by planning a weekend getaway with no guys allowed. Whether you bring your best friend, your sister or your mom, you’ll be able to relax and feel pampered at any of these locations. Your ladies weekend is just a few hours away ‌ S

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29683 Walhonding Road, Danville (about an hour from Columbus, east of Mount Vernon) (740) 599-6107 • whiteoakinn.com Chocolate lovers, rejoice! The White Oak Inn Bed and Breakfast has the perfect getaway for you. Groups of six or more can enjoy a chocolate weekend, complete with chocolate drinks, candy and fondue. “We put chocolate in every meal we can,” says owner Yvonne Martin. When guests aren’t feasting on chocolate, they can take a day trip to Amish country and explore several chocolate shops. They also can relax by the fire or enjoy a massage or a private cooking class at the inn. “It’s cozy and homey,” Martin says. “And they have places they can gather as a group, which is the nicest part.”

Shady Oaks Farm Bed & Breakfast

241 Highland Road, Northfield Center (about 2 hours northeast of Columbus) (330) 468-2909 • shadyoaksfarmbnb.com No matter what your idea of a perfect girls weekend is, you’ll find it at Shady Oaks Farm Bed & Breakfast. Whether you want to spend the weekend shopping at the nearby outlet malls, book massages or order takeout and scrapbook, owner Donna Tirpak aims to please. “Whatever you want to do, we make it happen,” she says. The elegant bed and breakfast is meant to be a peaceful getaway that makes guests feel right at home, Tirpak says. “The teapot is always on,” she says. “We really try to make you feel like you deserve (to be pampered) and you are special.”

Submitted Photos

The White Oak Inn Bed and Breakfast

By ANNA SUDAR She Is

Tips, ideas for planning a girls’ weekend The Housley House Bed and Breakfast

24055 Front St., Grand Rapids, Ohio (about 2 1/2 hours north of Columbus) (419) 615-7144 • thehousleyhouse.com When Teresamarie Williams saw the Julia Roberts film “Eat Pray Love,” she was inspired to create a girls weekend package at The Housley House, the bed and breakfast she owns. “I saw it with girlfriends and it just changed our lives,” Williams says. “I wanted to touch others, too.” When women arrive at The Housley House for its Eat, Pray and Love Girls Night Out, they are showered with baked goods and chocolate, Williams says. They can watch movies by the fireplace and enjoy 15-minute massages and a wine tasting. The getaway makes a great overnight retreat, but if the group decides to stay the whole weekend, they can enjoy a healthy walk on the trails near the house and a picnic lunch. Several local restaurants, antique stores and art galleries are just a few steps away.

The Highlands Nature Sanctuary

7660 Cave Road, Bainbridge (about 1 1/2 hours south of Columbus) (937) 365-1936 • highlandssanctuary.org Women who want to surround themselves with nature can escape to this wilderness retreat. Located in the Arc of Appalachia Preserve system, The Highlands Nature Sanctuary is a great place to get away from it all, volunteer coordinator Mandy Henderson says. From March until November, the sanctuary offers cabins for small groups and lodges that sleep 10 people. Women can explore miles of hiking trails and visit the Appalachian Forest Museum Education Center. It also is a great place to look at wildflowers and fall foliage, Henderson says. “People feel their souls have been refreshed coming here and having some silence, away from the Internet and phone,” she says. “They get more in touch with themselves.”

January/February 2011 | She Is | 27

kn

your body your style

n

How to avoid a wardrobe malfunction When it comes to clothes, knowing yourself is as

important as knowing your size. “Women need to know their lifestyle before picking out anything, so that their clothes complement their day-to-day activities,” says Joan Renee Cervino, a personal shopper, wardrobe stylist and founder of Shopgirl. Cervino says choosing the right outfit also depends on understanding your body. “Think about your best feature,” she says. “Every woman has one — whether it’s great legs or great shoulders, arms or neck — and every outfit should accentuate that feature.” In the same way, dress to minimize what you perceive as flaws. “I think women get overwhelmed with features they don’t like, but if they really took a step backwards and really look at themselves from head to toe, they would find that best feature and then be able to really hone in on it,” Cervino says. She provides these examples: “If you have a great waist, but want to minimize your bottom half, then you need to accentuate your top with a wrap or a tie or belt. For the lower half, stick to the darker colors, making you appear more sleek and slim.” Colors are important, too. “Knowing which colors look good on you is a learned thing,” Cervino says. “A lot depends on your hair and eye color.” Do the latest styles always look right on everyone? “Absolutely not!” Cervino says. “And I say that with an exclamation point. Get to know your figure and what looks right on you.” If you’re interested in one of the current “it” trends — skinny pants — proceed with caution. Cervino advises pairing them with over-the-knee boots, rather than a flat shoe. “The boots can balance out the hips,” she says. “You have to know your style and your figure.” 28 | She Is | January/February 2011

It’s also important to make an outfit your own. “Take the boyfriend cardigan, for example,” Cervino says. “You could add a belt to it or add a ruffled shirt, rather than just a T-shirt and cardigan, and suddenly it’s become yours. Think of how to accessorize it, too. Again, it’s all about knowing who you are.” Cervino says a must-have for any woman is a great pair of jeans. “And you’re better off having a few great pairs (that fit well) than having many that don’t,” she says. “When you find a pair that fits well, stick with that brand.” Other essentials? A great bag and a good coat. “Our outer layers are what everyone sees,” Cervino notes. As you age, Cervino says fashion must advance with your body. “Especially for women over 35, you can still look classy and beautiful by wearing clothes that skim the body,” she says. “They should not be too tight or loose.” So, what’s hot right now? “Boots,” Cervino says promptly, citing the variety of short or tall, fur or lace options. “And whether you’re wearing jeans, dress pants, skirts — this is really becoming a focal point these days.” S On the Web To learn more about Joan Renee Cervino, visit joanrenee.com. Jami Kinton has been modeling and acting professionally since 2002 and consistently follows fashion trends.

By JAMI KINTON She

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Tip s for man agin g you r tim e wis ely

Joan Renee Cervino, a personal shopper, wardrobe stylist and the founder of Shopgirl, says choosing the right outfit also depends on understanding your body. (Photo by Heidi Mazanec)

She Is

Work, school, meetings, events and life: Does it ever feel like there’s not enough time in the day — or even the year — to get it all done? No matter how organized we are, we all have the same 24 hours in a day. How can you find time to fit it all in? It all begins with time management. First, find your time bandits: Do you spend too much time watching television, reading e-mail or making calls? Keep track of your activities for a week or two to form an accurate picture of your daily life. Next, set priorities. Some people work well with to-do lists. Others use a planner/calendar. If you have 20 tasks on your list for the day, there is probably too much on your plate. What do you really need to accomplish? Prioritize ruthlessly. Only schedule about 50 percent of your time. Allow for plenty of interruptions and distractions; life happens. Remember, you are only one person. Delegate! Cut yourself some slack and share the load whenever possible. Schedule down time and a reward. This will help keep you refreshed and motivated. Celebrate even small successes. Avoid being a perfectionist. Paying too much attention to detail can be a form of procrastination. Take on one task at a time. Studies have shown multitasking actually decreases productivity.

Break large projects into smaller parts, which makes a job less overwhelming. Also, set time limits for each task. Establish a routine, which will help when a crisis arises. Pay attention to where your time is going. Organize your to-do list every day. If you don’t know what you should be doing, how can you manage time to do it? Don’t waste time. We all have doctor appointments and meetings, but you don’t need to sit there staring at the ceiling. Use this time to balance a checkbook, catch up on paperwork or finish reading an article. Technology also makes a lot of planning possible. Most importantly, learn to say “no.” Time management is learning to balance excellence in work with excellence in play. When we develop time management skills, our lives become happier, healthier and a great deal more creative. S Jaime Householder is a professional organizer. To reach her, call 419-512-2768, e-mail jaime@jhorganizing.com or visit jhorganizing.com.

By JAIME HOUSEHOLDER She Is contributor January/February 2011 | She Is | 29

PopWatch By LISA MILLER She Is

At this time of year, it would be easy

to just hibernate, waiting for the return of robins and margaritas. I think not. The Pop Watch commandment is that thou shall not bury your head in the sand or the snow. Instead, we aim to help you keep up with what’s going down. 1. And the Oscar goes to… Actors Anne Hathaway and James Franco (like her, love him) will host the 83rd Academy Awards show Feb. 27. While some people complain that the show is too long and too boring, I will be parked for the duration in front of the TV with a vat of popcorn and a liter of Diet Cherry Dr. Pepper. I watch all the way from the arrivals on the red carpet to the final credits. 2. A different shade of bling. Some things grow on you, and chocolate diamonds are in that category for me. The first time I saw one, I wondered who would want a gem the color of a Cocoa Puff. After seeing numerous rings, earrings and necklaces, I’m hooked. Originally marketed as brown diamonds, the stones mostly mined in Australia started catching on when the name was switched to chocolate. Valentine’s Day is coming. Just sayin.’ 3. Go for the “Grit.” The latest incarnation of “True Grit” is doing double duty in not only getting rave reviews for the new movie but also turning people on to Charles Portis, the author of the book on which both movies are based. He hasn’t written a novel in a couple of decades, but his work has been compared to Mark Twain’s “Huckleberry Finn.” A recent piece in the New York Times says this of Portis’ work: “Instead of shooting off fireworks the books shimmer with a continuous comic glow.” Glow sounds 30 | She Is | January/February 2011

Escape winter’s chill good. Overlook Press has reissued all five novels in paperback. 4. Get your art on. Get thee to the Columbus Museum of Art, which just underwent a year-long, $6.9 million renovation designed to make it more visitor-friendly. A new exhibition running Feb. 4 to April 24, “Shared Intelligence: American Painting and the Photograph,” includes more than 75 works by painters and photographers including Georgia O’Keefe, Norman Rockwell, Andy Warhol, Alfred Stieglitz, Man Ray and Walker Evans. 5. You’re not alone… If you have been stuck in a family photo that produces gasps, OMGs or the occasional “What were they thinking?” Now there’s a whole darned website, www.awkwardfamilyphotos.com, to showcase families dressed as Christmas presents or in mass quantities of Hawaiian shirts or cow prints or… you get the picture. An Awkward Family Photos TV show is in the works. 6. Hot hue. Honeysuckle, a reddishpink shade, has been named the color of the year by the Pantone Color Institute. An Associated Press story quotes the institute executive director that “The color says we need to be hopeful and think of things that satisfy as many senses as we can.” I don’t know if a color can say all that, but a Badgley Mischka designers declaration that it works for all skin types, ages and styles is comforting. I wouldn’t want to be busted by the fashion police for a horrid display of honeysuckle. 7. More fashion fodder. Wide-legged pants and full skirts are supposed to be hot for spring. Sounds

swell, if you are 6-foot-2 and 97 pounds. I fear the rest of us will look like mobile piles of laundry in those looks. 8. Flashy flash drives. Who knew those data storage thingies could be so cool? The once-boxy little devices that plug into your computer’s USB port now come in all kinds of forms. One by Victorinox is a kind of Swiss Army knife including a screwdriver, scissors and pen. They can not only hold your vacation photos but also pay homage to your favorite pop star or cartoon character. Make mine a Mickey Mouse. 9. Change the channel. OK, I watch waaaay too much TV. But with so many shows stuck in rerun ruts, I suggest you check out something other than your regular programs. Among my current faves are “Community,” “Modern Family,” “Glee,” “Parenthood” and “The Good Wife.” Yes, I have a DVR and I know how to use it. 10. Free for all. For those of us who enjoy digging in the dirt, winter can be just plain cruel. But you can make your plant plans or at least perk up your inner gardener by perusing the seed catalogs. Go to freebies.about.com for a list of 43, yep 43, free seed catalogs. Black Dragon Coleus, Red Courtesan Sunflowers — the names alone will make you swoon and start shining your trowel. S

Stock Photos

Etc. By LISA MILLER She Is

Baby steps

Take charge, one small action at a time Take charge of your life. Sure, no problem. Let me put that

not the coach, go for that, too. Taking charge of your life means you decide — as much as possible, with bows to financial and on the old to-do list along with picking up a gallon of milk and family responsibilities — how your time and energy are spent. getting my tires rotated. I have made some fairly significant changes in my work life For most of us, taking charge is not a mindless, mundane over the past three decades, going from worker bee to manager task. It takes more intestinal fortitude than we at least think we and back to underling, all of my own free will. I changed careers have on hand. And we have to examine the idea that we are completely a couple of years ago. All along the road I tried to not in charge of at least some aspects of our lives. The key is to focus on doing a good job, treating those I encountered with capitalize on the areas we are in charge of. respect and wringing as much joy as I could out of every day. We can’t individually do a whole lot about the weather or Break your taking charge into small chunks. Quitting smoking the national debt or the person who butted ahead of us in is the healthy thing to do, but for most folks the tough task will line at Kroger. But we can remember an umbrella, write down purchases in the checkbook and refuse to be either a doormat or be made even more difficult if you decide to lose 50 pounds at the same time. You yearn to achieve world peace, but first you a retaliatory jerk at the grocery store. might want to see if you can get your brothers to start speaking I was thinking about this topic when I recently read an to each other again. Baby steps, people: baby steps. interview with Jane Fonda. Yep, that Jane Fonda. The one who Finally, figure out what the result is you are seeking. Will taking is 73, has an Oscar, just released a new workout DVD, finished charge of your life make you healthier, wealthier, wiser or none filming a couple of movies and made plans to take her Tonynominated Broadway show to L.A. She made me feel like a bit of of the above? There is nothing wrong with doing something for a slacker, yet she offered a perspective I suggest we all embrace. the sake of a challenge, but you don’t want to get to the top of the mountain and be disappointed with the view. “You get a little wiser as you get older,â€? Fonda says. “You’ve Take charge because it’s what you want. Here we turn again to been there, done that. You know it’s not gonna kill you. You’ve the almighty Oprah, who wrote this about ending her talk show survived it before. You tend to make lemonade out of lemons and getting on to the next chapter in her life: “Fear comes from instead of mountains out of molehills.â€? uncertainty. Once you clarify your purpose for doing something, Now, I’m no Jane Fonda or Dear Abby or Oprah Winfrey with the way to do it becomes clear. ‌ Know for sure what you want all the answers (or at least, in the case of Oprah, truckloads of and be willing to give yourself what you need to get it.â€? money). But when it comes to taking charge of my own life, Amen. S there are a few principles that I try to live by or at least remind myself of when it seems like the ship is sinking and I have to be the one to man the life rafts. First, you can triumph over a lot of things. I have lived through loved ones’ deaths, my own and my parents’ divorce and C ÂŁ ĂŚĂ“ÂŽÂŁmĂ“Ă“ incredibly bad hair days. The words “I will surviveâ€? are not just q H .` V.&+`ÄŞÄŞÄŞÄŞ `+ %.VZ` `.B Ă? 0ÂŽÂŁZm ¯¤}Ă˜½ song lyrics but a mantra that you just have to repeat when your job or your man or your 401(k) slips away. And when you’ve been through an ordeal or two, it puts a lot of things in perspective. When you’ve been through some heavy @#$%$, a hangnail is just that — a hangnail, not a life-threatening Ă?nn Ă“Ă?Â?žAĂ?nĂ“ Ă´Â?Ă?ÂŒ £¨ A¡¡¨Â?ÂŁĂ?žnÂŁĂ? ÂŁnnene½ illness. Once you realize that survival is not only possible but ÚÚ Äƒ|áŸĹ„ ‡ ăĒŽŸÚĹ„Š Ä’ÄƒÂźĹ„Ĺ’ĂŞÂ› ‡ %Ä’ğŸêÖĉŠ probable, it’s time to put it into overdrive and try to thrive. %Äź|ÄƒÂź VŸĤ|êğŠ .ĉńĹ&#x;Äź|ĉ›Ÿ qÄ’ğá ‡ ÚÚ qÄ’ğá &Ĺ&#x;|Äź|ĉŒŸŸŽ Decide what taking charge looks like to you. Maybe you want ÄœĹ?Ă„ÄŽ qÄŞ ÔŒä ZĹ’ÄŞ š HĉŒ|ğêÄ’Š H+ š Ă…Âƒ¿ŽĂ†  ðŽÂ?Ă°ĂĽÂƒĂĽ š šššĪĂ–|ĉŽăÂ?Ä’ŽźĪ›Ēă to run your own business or your kid’s school PTA or your family F,Ä“ǨǨǨǨĆ?ĆŽĂťĆ?ÝÛ reunion. Go for it. Conversely, if you want to be the player and

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January/February 2011 | She Is | 31

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