Fairfield County Woman
September/October 2011
A Bi-Monthly Resource for Women of Fairfield County
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By: Cynthia Cavoto President, Marketing That Works For You
T
witter is becoming a popular social media site for business owners to connect with their customers. But is it working for them? Follow these 10 tips on Twitter and watch your conversations get started!
1. Reciprocity is Key Follow and be followed, Retweet and be retweeted, follow and be followed. You have got to give in order to get, and the more time you are willing to invest in others the more likely they are to give you the time of day. Reciprocity is a powerful thing and you have to give a little to get a little. Once your network grows to several thousand followers don’t let it get to your head, I try to respond to everyone who sends me a @mention. This is the key if you want to build a big brand and a strong network. You’ve got to talk to people to really connect with them, it’s just that
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Veronica Brillon Owner and Publisher Fairfield County Woman
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Table Of Contents Table of Contents
Psychology With Style Specialized Medical
Fabulous Fashion
Money Tips For Young People..........34
Five Tips toFlow........................................5 Lose Weight ... That Are Not True!.............................................................5 Business to Business Creating Doncaster............................................22 Excellence in Plastic Surgery with a Caring Touch ....................................................... 6 How a Website - Done Right - Can Give Your Business the Competitive Edge ..........32 Career & Self Development Anya Kishinevsky, M.D. ..................................................................................................7 Westport Business Solutions, LLC ...............................................................................33 The Go-To Place for Health and Wellness.................................................................. Simple Secrets to Social MediaUnleash Success..................................................................... 34 Specialized Medicine Your Power.............................35 Business To8-9 Business Rosenthal Cosmetic Surgery and Skin Care Center ................................................ 10-11 Excellence in Plastic Surgery..........6 & 7 The LinkedIn Lady...............................23 Medical Volunteers Needed ........................................................................................ 12 Career & Self Development
Just Another Meeting Place Fertility Massage....................................8 Twitter for Business.............................24 Staying Marketable at Any AgeNot ...................................................................................35 Health & Wellness Rx Pharmacy Personal Care................9 Testimonials.........................................25 Family Fun...........................................36 Catch A Healthy Habit .................................................................................................. 13 Fabulous Business Style Explore & Celebrate The Within..10 Seven Reasons You’re Change Your Mind ... Change YourSpirit Life! ...................................................................... 13 TinaNOT Getting Broccle Image Consultant ...............................................................................36-37 Radio Talk Show Are You Tired from Working Out and Not Able to Stay in Shape? ............................. 14 Conscious Conception Seminars.........11 Experience Doncaster ................................................................................................. 38 Ranked in Search Engines..26&27 ID’s Out of Control...............................37 Partner With Us....................................28 Psychology With Style Your Money Your Business Employment Creating and Living a Magical Life: Part 1 .................................................................... 15 Sales Professionals Wanted................12 Dental Wellness
Photography
Daniel R. Kaufman, CPA .............................................................................................. 39 Organizing Energy Savers .............................................................................................................. 40
Smile and The Whole World Smiles With You .........................................................16-17 Family Photographer............................29 Radio Talk Show
Health & Wellness
Purging The Past.................................38
“Skins” and Porn - Where are the Women? ................................................................41
Home & Garden Personalized Get MovingPharmacy Fairfield..........................13 Your Money Your Business Do You Know Where to Fill Your Custom Made Prescription?.............................. 18-19 Partner With Us Old World Touch for New World Red Dress Campaign...........................14 Partner With Us ............................................................................................................42 Understanding Your Money.................30 Treasures....................................39 Melatonin and weight gain....................15 Legal Government Financial Assistance for Know Your Child’s Educational and Juvenile Rights.................................................. 20 Finance Fitness Estate Tax Planning for An Uncertain 2011.................................................................. 21 LIMRA: Women Save 40% Less Thinking Small Businesses.......................31 to Retire Than Men .................................................. 43 Out Loud Women in Profile Eight Great Ladies!......................16 & 17 Financial Survival of a Divorce....32 & 33 The Importance Of Being Ernest… Women in Profile ............................................................................................... 22-25
Not Just Another Meeting Place
Or Whoever You Are.........................40 Sports Center of Connecticut ..................................................................................... 44
Contractors with Integrity Finance Fitness Education Shut the Door, What Do You Live in a Barn? .............................................................. 26
The College Review Edge....................18 CBJ Foundations, LLC ...................................................................................................27 Veteran’s Window Washing ........................................................................................ 28
Legal Special Events
Fairfield County Women’s Expo ................................................................................. 29 Buy/Sell Agreements...........................19
About Us
Community Allow Me to Introduce You ......................................................................................... 30 Carolina House....................................20 CommunityLounge.................................21 Outreach Empower
Caroline House ............................................................................................................. 31
Photography
Matthew C. Abourezk, Family Photographer ............................................................ 45
Home & Garden
NLdeV Restoration ...................................................................................................... 46
The Right Stuff
Spirit of WomanConnect............................................................................................. 47
Thinking Out Loud
“Make-Up” .................................................................................................................. 48
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MARCH/APRIL September/October 2011
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Fairfield County Woman Fairfield County Woman
Publisher’s Note Hello Everyone,
Now that summer is winding down and we are starting the new school year, we are back to learning new things and this is great. I say great because here at Fairfield County Woman we are so lucky to educate you, our readers through information from our subject matter experts. We are very thankful to have such a great audience out there that supports our publication thank you. There is a quote I read the other day that I would like to share with you today, it is from Albert Einstein, “A person who never made a mistake never tried anything new”. Try something new everyday and see what happens. It is time, hit the books and what better way to enjoy reading than to have Fairfield County Woman at you side and that is where we will be. Because we go so fast you may not find us in the stores or places we are usually, go online and order a home delivery subscription. While you are there check out the new features and catagories. We are also pleased to announce our new online options to our clients and for our customers who enjoy Kindle reading, we will soon be going to a kindle app. We are and always will be dedicated to educaton and we maintain the absence of political or controversial Issues. We keep you, our readers in mind as we hold this ploicy. Thank you for your support, we strive to reach as many women as possible and we depend on you for our success. Enjoy this latest installment and please don’t hesitate to let us know how we are doing, or what we can do to improve. Call us any time 877-812-8693.
Veronica Brillon, Publisher
Our Photographer... Matt Abourezk
Matt Abourezk has been photographing families to fashion to fortune 500 for more than 30 years. Turn to page 41 for more about Matt
Fairfield County Woman
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September/October 2011
About Us About Us
Let Me Introduce You to the #1 Nationally Syndicated Women’s Newspaper in the U.S. Allow me to introduce you to The Fairfield County Woman’s Newspaper. Each of our Woman’s Newspapers is an informative and enlightening resource for the community.
care decisions? The FCW will become a primary resource for the women of Connecticut. Furthermore, the FCW has found our readership to be 2.46 per copy with an average lifespan of 6 weeks. This above average readership is due to current information being referred to friends and family which directly benefit from our contributing articles and editorials.
Published six times a year, we serve readers with valued information in a wide variety of special columns and features. Written by local experts in their respective fields, from Health and Medicine to personal Finance and Travel. The Fairfield County Woman’s Newspaper provides the best in local contacts and the latest information available. We offer editorial coverage, a low advertising rate and most importantly, targeted marketing to women.
Exclusivity
Read on to find out what we can offer you as a contributing writer...
Look inside each issue’s back cover and you will see readership responses and see professional testimonials from our contributing editors and advertisers. Establish yourself as the contributing editorial source for
Target Audience Are you aware that women make 80% of all the consumer and health
Eliminate your competition by being the only professional in your specialty anywhere in our newspaper. Why divide the response of the readership amongst your competition? Distinguish yourself as the authority in your field by taking the information you discuss with each client and making it available to more than 40,000 readers in the comfort of their homes.
References
HelpWanted Wanted Help
FCW distribution is extensive with numerous direct drops (and growing). Free papers are provided to area libraries, medical establishments, YMCA’s, lawyers, dentists, recreation centers, health and fitness clubs, corporate office buildings, real estate offices, markets, salons, car care centers, craft stores, book stores. etc., as well as target home deliveries.
What We Are Not We do not print anything political or controversial. We do not cover local news. The FCW is your direct link to the target market of women in Fairfield County. It has been proven nationally to increase your advertising power and get your message through.
To explore the advertising and editorial opportunities offered by The Fairfield County Woman’s Newspaper, call us today at 203- 708-9186. The National Women’s Newspaper with over 32 years of experience in over 371 woman’s newspapers, either published or optioned to publish, is 100% supportive of its newest edition, The Fairfield County Woman’s Newspaper. This educational outlet for women in Fairfield County, Connecticut is long overdue. So, sit back, relax and enjoy reading another great issue!
Join our family of over 18,000 professionals nationally and educate the women of Fairfield County.
115silver P.O. Park Box 226,Middletown, Ct 06457 Oakstreet Ridge Westport Ct 06880 E-mail: FCWoman.JRNL@gmail.com E-mail: FCWoman.JRNL@gmail.com www.fairfieldwoman.com
l for ksales professionals. The FC Woman isk looking The FC Woman looking for sales professionals. Call onislocal businesses and area Callprofessionals. on local businesses professionals. Part timeand andarea full time positions Part timeavailable. and full time positions available. Training provided.
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Fax: 203-349-5421
Publisher ~ Veronica Brillon Publisher ~ Veronica Editor/Associate Publisher ~ AdelaBrillon Gallagher Sales ~ Leigh Sexton~and Frank D. Giampia Associate Publisher Steven and Gina Brillon Creative Director/Production Manager ~ Golden Design, LLC Graphic Design ~ Jelly Graphics Distribution ~ Man in Motion, LLC, Thomas Cossuto
If you enjoy meeting people, you will enjoy this job. If you enjoy you will enjoy this job. E-mail yourmeeting resume people, to FCWoman.JRNL@gmail.com E-mail your FCWoman.JRNL@gmail.com or resume fax your to resume to 800-939-7796. or fax your resume to 203-349-5421.
September/October 2011
Distribution
This successful combination of education and advertising creates community awareness for your business, and offers tremendous growth potential.
Fairfield County Woman
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primary information in your specialty in Fairfield County.
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Fairfield County Woman
Fairfield County Woman
Psychology With Style
Creating Flow By dr. brett denkin
A
t the time I was living in Westport, CT, having returned from San Diego after receiving my doctorate in the fall of 1995. During this time in Westport, I built a successful psychology practice while working in a formal office environment. However, something inside me was dying. I knew deep down that a change was necessary. So in the spring of 2006, I decided to place my home on the market. Then with Tuck, my Labordoodle, in the back seat, in December ‘06, I backed out of my driveway and pointed my Audi convertible towards the unknown. Initially, I traveled to Pensacola, Florida. Two months later, it was onto Santa Fe, New Mexico. Life can be strange. Just a year later, I experienced an ordeal that lasted nearly eighteen months and culminated in a serious health crisis that nearly took my life. In the summer of ’09, I returned to Westport to start over. I had lost my practice, most of my assets and my health. In addition, I began to experience severe fatigue. In September, I moved back into my house, a frightening proposition, as I now had over a substantial overhead. Even though I still did not feel well, I put myself back in the game. I “cold-walked” into businesses throughout Fairfield County. During this “cold-walk” period, I would introduce myself as a psychologist and business coach who just returned to area. A chiropractor called me just an hour after I
Four and a half years ago, I unhooked my life.
had “cold-walked” into his office. Dr. Lander called me to set up a lunch meeting the following week. About a week later, I called him to ask if he knew anyone that I could connect with. He directed me to his weekly networking group (BNI). Initially, I was very uncomfortable with the idea of joining a networking group. But recognizing that I had no business, no cash and an abundance of “free time,” I put aside my preconceived notions and joined the networking group. Quickly, I began to see that joining this networking group was in fact a “no-brainer.” People were there to meet, connect, and refer. I quickly discovered that networking groups sure beat the heck out of “cold-walking.” So, from September ‘09 to September ’10, I met over 350 people for “coffee”. I use the phrase, “meeting for coffee” as my metaphor for meeting someone for breakfast, lunch, dinner, or sometimes just a coffee! This “meeting for coffee” provided me the chance to meet people from so many different businesses and walk of life. During these “coffees,” I discovered that many people were still dealing with a lot of fear and pain from the devastating economic downturn. At this point, I became determined to contribute, to build my life back, and live “life” with intention, grace, and dignity.
gave referrals, or connected them with friends or colleagues, or just offered my time and perspective.
prefer to meet someone special organically…” and sure enough, I did.
A few months after launching “networking from the here and now,” something magical began to happen. Every so often someone would say, “I’d like to work with you!” Within a year of “networking from the here and now,” I had built the foundation for a very cool business.
I also told people that I wanted to meet a “soul-mate” writer. Someone who could help me write a fictional story, which I wanted to share with the world. And I did.
But it didn’t stop there. While my business was growing, my confidence returned. Slowly my health returned. All of which lead me to become happier, have more fun, and be more intentional about what I wanted to experience in life. I started to ask the “Universe” for what I wanted by expressing my intention to others. I would say things like, “…its not that I am opposed to the Internet, but I would
Over time, I developed an approach to networking which I like to call: “networking from the here and now.” My philosophy is simple; I would meet with a person and would literally want nothing. This approach provided me with a rich experience of connecting with another person. If the encounter was fun or interesting, I would schedule another “coffee”. Many times, I
These experiences and many others, like my radio show, are not random. I believe they are examples of “flow”. I didn’t date, interview writers, or call radio show producers. Instead each came to me, literally falling in my lap as though my intention was the driving force! It has become my mantra that to truly live, one must take tons of action, avoid nothing, be as present as possible and develop the confidence and clarity to follow your passion.
Open door with dr. brett denkin on pod cast on my Website.
d r. b r e t t d e n k i n , P s y c h o l o g i s t , C o n s u l t a n t , C o a c h 203-247-2808 w w w. d r b r e t t d e n k i n . c o m Fairfield County Woman
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September/October 2011
Specialized Medicine Excellence in Plastic Surgery with a Caring Touch surgery could only be preformed with a large “anchor” scar consisting of vertical and horizontal incisions. Dr. Kishinevsky performs these surgeries with a small vertical incision, also known as a “lollipop” scar, resulting in rounder, perkier breasts with fuller cleavage. Breast reduction surgery relieves longstanding back and shoulder pain by removing excess breast tissue but still achieving a beautifully-shaped, lifted breast. Augmentation can be safely preformed with saline or silicone implants to increase the volume of the breasts with the most natural texture and shape. During your consultation, you will have the chance to examine and fell both silicone and saline implants and to choose the style, size, and shape you feel the most comfortable with.
What is a “Mommy Makeover?”
By: Anya Kishinevsky, M.D.
H
ow can plastic surgery help me feel more confident and look younger for today’s competitive job market?
Depending on a person’s individual needs, an eyelid lift, face or neck lift can go a long way towards softening the effects of aging. As the eyes are often described as “the windows to the soul,” removing a bit of excess, drooping skin and the loose fat that makes up the ‘bags”, whether above or below the eyes, often takes years off a man or woman’s appearance. Dark discoloration can be removed as well, all without leaving a visible scar. A face and neck lift is designed to clean up the jowls and excess around the neck, recreating a clean, tight jaw line. The scars are hidden within the hairline, so only your hairdresser will know. The result is a natural, rested appearance, without looking fake or “done.” The results often last for more than ten years without a touch-up. There are also minimally invasive approaches to a younger appearance with Botox, injectable fillers, or laser resurfacing.
September/October 2011
In many cases, pregnancy and nursing take their toll on a woman’s body. Often, the skin of the abdomen loses elasticity, continues to sag after the pregnancy is over, and develops stretch marks that don’t go away. The skin of the breasts may lose its elasticity as well, wit permanent stretch marks and drooping of the breasts. The nipples and areolae can become large and displaced. A “mommy makeover” is a popular procedure that combines a tummy tuck with a breast lift to restore the tight contours of the pre-pregnancy body. A tummy tuck removes excess abdominal skin, stretch marks, and fat. It tightens the muscles of the abdominal wall and results in a flatter abdominal profile. A breast lift removes excess skin and stretch marks to recreate a more youthful, round, and perky breast. Not all stretch marks can be removed - those below the belly button and closest to the nipple are taken away consistently.
What are my options for reconstruction if I will be having a mastectomy or lumpectomy for breast cancer? In this day and age, there are so many options for women undergoing treatment for breast cancer to look and feel their best. There is no reason that any woman should be left with a defect or asymmetry. If a woman prefers reconstruction with her own tissues, the fat from the abdomen can be used to make a new breast with a TRAM flap. If a woman prefers a quicker recovery or a larger breast size, reconstruction with a saline or silicone implant may be a good option. A new technique that has been receiving a lot of attention lately is fat transfer for breast reconstruction. Liposuction is performed on the abdomen or thighs and the fat is saved and used to make a new breast or to fill a lumpectomy defect. Fat transfer is simpler and has a quicker recovery time than traditional breast reconstruction and can be done several times to achieve a larger breast size. Also, if you have been considering breast reduction or breast lift
How long do the results last? Surgery is not a substitute for a healthy lifestyle, including a good diet and exercise. The results are technically permanent but may be significantly diminished with major fluctuations in weight. Women who are planning a substantial weight loss or future pregnancies are advised to postpone surgery. Women who smoke should quit all nicotine products for two months before surgery to reduce the risks of surgery.
What if I Would Prefer Fuller or Smaller Breasts? A breast lift can be performed at the same time as a breast reduction or augmentation with an implant with no additional scarring. In the past, breast reduction or lift
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surgery and you will be undergoing lumpectomy; your breast surgeon can work with your plastic surgeon to perform these procedures together. Our office will let you know if your insurance will cover breast reduction surgery.
What should I expect from my consultation? When you make an appointment to see Dr. Kishinevsky, you will be greeted by a friendly, caring staff. Your wait time will be short, in a pleasant, supportive environment. Dr. Kishinevsky will perform a thorough history and physical, then recommend the procedures that would best suit your needs. She will take the time to explain the surgery in detail and to answer all your questions. You will be able to view before-and after pictures of different surgeries and to examine a sample of any implant to be used. For patients who are concerned with their privacy, we have a fully accredited operating suite, to ensure your safety and comfort. You will be able to speak with patients who have had the same procedures done. You will be able to relax and rest easy, knowing that your treatment will be in well-trained, caring, and experienced hands.
Call Us Today for a Free Consultation 203.656.9999 Fairfield County Woman
Specialized Medicine Specialized Medical
Plastic Surgery with a Personal Touch • Short Scar Breast
Reduction • Short Scar Breast Lift • Rhinoplasty • Eyelid Surgery –
• Facelift • Liposculpture • Tummy Tuck • Full Body Lift • Full Line
no visible scar for lower lid of Injectables
Call us today for a free consultation:
203.656.9999 V :
.AKMD. P R • D, CT W D • F, CT
Fairfield County Woman Fairfield County Woman
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September/October MARCH/APRIL 72011
Specialized Medicine
Fertility Massage
Helping Women Reach Optimal Health and Natural Births
S
ergiana Bruno is a certified fertility massage specialist who helps women become healthier and prepare them to conceive a baby. She is the only massage therapist in Fairfield County who is certified in Fertility Massage. Sergiana learned about Fertility massage where she worked in an acupuncture office. In the office, Sergiana encountered a variety of patients with different conditions in which one of the conditions is infertility. She went online to find information about fertility massage and she realized that this modality exists. So she had her training in Pittsburgh, PA in 2011. Since many families suffer in having children in today’s society, Sergiana is devoted to solve this problem by providing this unique modality. What is Fertility Massage? Fertility Massage is a combination of specific massage techniques Claire Marie Miller developed through her own experience of consciously conceiving her daughter Jessica Hope in 1984.
The techniques Claire used in her conception also included using fertility awareness, cleansing therapies and visualizations. The intention of this therapeutic fertility massage session is to support the body in cleansing, reducing stress hormones, balancing reproductive hormones, and stimulating the reproductive organs with reflexology. The session is also designed to support the client achieving a state of balance emotionally with visualizations, affirmations and prayer for those who feel most comfortable with that focus. Essential oils are added to the massage oil to tonify the reproductive systems. Castor oil packs are applied on the abdomen during the session for the cleansing effect.
entary lifestyle, holding excess weight in the abdomen, and poor digestion and eating habits. The abdominal massage and castor oil packs are a remedy for this condition. Adhesions Endometriosis Polycystic (PCOS)
Ovarian
Syndrome
How long do I need to take the sessions? Taking Fertility massage sessions are normally long term from a course of 3 to 6 months. A session lasts about 90 minutes or 2 hours.
Hormonal imbalances: Hormones play a critical role in potential conception, as well as maintaining a healthy pregnancy.
Calming and Centering CranialSacral holds for balancing and centering
Balancing alignment
cranial-sacral
Balancing hormones through Integrative Reflexology techniques that stimulate the reproductive areas and endocrine glands
It is best not to receive this work when menstruating or possibly pregnant. Please discuss with your therapist the best timing for appointments.
the
Increased circulation through the pelvis Castor oil is used to detoxify the body
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What to expect in a session?
Shiatsu points to increase the chi (energy) through the reproductive areas
Call Today For a Free Consultation: 203-807-3238 156 East Ave. • 2nd Floor • Norwalk, CT 06851 Therapeuticbodywork.2@gmail.com www.painlesshealing.com September/October 2011
This fertility massage is now being used by many of Claire’s certified therapists with great success. Ann Marie Dameon, who took the Charlotte workshop in 2004, reported in her first year that 10 of 12 women she has used this protocol on have successfully conceived.
Deep Pelvic work to break up adhesions and increased blood to all pelvic organs
Deep Relaxation
Pelvic Congestion: This may be from abdominal surgery, sed-
Does Fertility Massage have success rates?
What are the benefits of Fertility Massage?
What are the possible causes Cleansing the digestive system of infertility? Age: The peak fertility for a woman is age 27. Although many do have successful pregnancies well into their 40’s, it may be more or a challenge for a large number of women.
Works in conjunction with Acupuncture
Receive $20 off for a 90 Minute Session or $50 off for a package Fairfield County Woman
Personal Care Introducing Rx Pharmacy Personal Care
By Michael Roberge, R.Ph
H
ave you ever been prescribed pills your doctor instructed you to cut in half? Do you have a family member who can’t swallow pills but that is the only way their medicine is available, so you crush the pill? Are you or someone you know on a medication that upsets their stomach? Are you on multiple medications and are wondering if one medication is treating a side effect caused by another medication? These situations were often presented to me as a community pharmacist at a conventional retail pharmacy in the 1990s. I knew I could help these patients because I was trained, as all pharmacists are, in compounding (customizing) medications. The problem was and still is for conventional retail pharmacists, the equipment and materials needed to address individual patient needs are not readily available. So, in 1999, I opened Compounded Solutions in Pharmacy, a retail pharmacy completely dedicated to compounding (customizing) prescriptions. How is Compounded Solutions in Pharmacy different from other pharmacies? Our sole focus since 1999 is compounding customized medications to meet specific patient needs. Because Compounded Solutions in Pharmacy doesn’t fill prescription for mass-produced medicines, it is not a direct competitor with the conventional pharmacies. Therefore, chain and independent pharmacies across the state often refer patients to Compounded Solutions for prescriptions they cannot fill due to lack of equipment, materials or both. In addition, the personal care given to our patients by each and every staff member is part of each prescription. Our customers feel comfortable asking as many questions as they feel are necessary to understand their medications. One hormone replacement therapy patient recently told one of my staff “You are all are so willing and wanting to help people. You helped me understand medications I don’t even get filled at your pharmacy and how they interact with
Fairfield County Woman
my hormone replacement therapy. You helped me understand why it was important to take medications at different hours of the day. You go way above and beyond to make your patients happy.” We take just as much pride in the quality of our products as we do in the quality care each patient receives.
from
Your Custom Medication Expert
pharmacists constantly refine our compounding skills by attending continuing education courses and seminars focused on compounding skills, formulas and techniques and new compounding equipment is researched and purchased in order to offer more services and options. Compounding is about innovation and therefore new ideas and concepts need to be incorporated regularly.
The University of Connecticut, College of Pharmacy and St. Joseph’s College of Pharmacy, have chosen Compounded Solutions in Pharmacy to teach their pharmacy students interested in compounding, proper compounding techniques and how compounded medications can benefit patient in all specialties of medicine because of our compounding expertise and reputation.
Michael Roberge, R.Ph., the owner of Compounded Solutions in Pharmacy, licensed in Connecticut & Rhode Island, is a Certified Compounding Pharmacist and Certified Aseptic Compounding Pharmacist. The 2010 recipient of the Upsher-Smith Excellence in Innovation award, Michael is also an adjunct instructor at the University of Connecticut, College of Pharmacy and St. Joseph’s College of Pharmacy.
For the past 12 years, Compounded Solutions in Pharmacy has been a resource to physicians in every specialty and their patients. The entire staff at Compounded Solutions looks forward to the opportunity to continue that tradition for you Are compounded prescriptions FDA approved? Every ingredient used to compound prescriptions at Compounded Solutions is an FDA approved ingredient for compounding. All formulas are researched for accuracy, compatibility and stability. Compounding pharmacies are licensed and regulated by the State Board of Pharmacy, Department of Drug Control, which is a division of Consumer Protection. Final products of compounded medications actually are held to a higher standard than mass-produced medicines. Most prescriptions are mass produced medication that are filled at conventional retail pharmacies. Mass produced medication only have to be within 10% of their stated strength. However, compounded medications have to be within 2%. So a mass-produced medicine, that is supposed to be 100 mg will pass quality control if it’s anywhere from 90 mg to 110 mg, but a compounded medication can only range from 98 mg to 102 mg. You receive a more precise dosage when medications are compounded.
Gen Cobuzzi, R.Ph. licensed in NY and CT, and a certified compounding pharmacist has been part of the team since 2001. She has a community pharmacy background, experience in sterile compounding, and has completed a course in compounding Bio-Identical Hormone Replacement Therapy.
Tell me about the pharmacists and staff at Compounded Solutions in Pharmacy. The staff at Compounded Solutions works diligently to provide their patients with the best product possible and the most personal service. Our
Our most recent addition, Cynthia Boccuzzi R.Ph., licensed in CT, joined our team in 2008 and has broadened our teams range with her background in hospital pharmacy.
Janis Covey, R.Ph., licensed in CT, has been part of our team since 2005. She is currently completing her Doctorate in Pharmacy and is a certified Geriatric Pharmacist. Janis initiated a Medication Therapy Management Program at Compounded Solutions in which patients receive consultation on the medicine they take and the conditions they are being treated for, in an effort to improve therapeutic results, minimize side-effects and coordinate care.
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Some of our staff includes pharmacy students from the University of Connecticut, Butler University in Indiana and the Massachusetts College of Pharmacy. Pharmacy students are meticulous technicians and help us with research. The remaining staff members are the ones who pull everything together for us and the patients by answering phones, packaging and shipping prescriptions, waiting on customers and handling the paperwork and data entry. They do everything else, so the pharmacists can dedicate themselves to compounding. How could I get my compounded prescription filled at Compounded Solutions in Pharmacy? Your physician can phone, fax or email your prescription to us or you can bring it in to our store located in Monroe, on Route 25. We have customers from all over the United States, so most of the prescriptions we ship directly to your home via UPS. Most prescriptions are processed the same day they are ordered, and if shipped to an address in CT or NY, will arrive on the next business day using Ground shipping. If you want to pick up your prescription, regular store hours are Monday through Friday, 10 AM to 6 PM. Outside of regular business hours, there is an answering machine for non-emergency messages and a cell phone number for an on-call pharmacist (usually Michael, the owner) for anything that cannot wait until the next business day. What can Fairfield County Woman expect from Compounded Solutions in Pharmacy in upcoming issues? In the next issues, we will run a series on Bio-Identical Hormone Replacement for Women (and their husbands). This is a topic that generates a great deal of discussion. Many women have read a multitude of books, clinical research and newspaper articles about Hormone Replacement. Our series will be an overview of Bio-Identical as compared to synthetic hormones. We welcome your questions and comments. You can contact us during normal business hours toll-free at 877-RxNeeds, online at www.compoundedsolutions. com , or by email at mike@compoundedsolutions.com. 179 Main St, Monroe, CT Phone 877-796-3337 Michael Roberge RPh
September/October 2011
Holistic Care & Community
Explore & Celebrate the Spirit Within PLUS, attend an all-day outdoors celebration hosted by Sacred Doors on Saturday, September 10 from 9-5pm. Join us for a holistic day of wellness & fun featuring: Morning Programs: • Yoga with Sally Grillo of Nu-Yoga Energy Healing and meditation led by John Mercede, founder of New Synthesis and Sandra Angulo, founder of Sacred Doors FREE Reiki sessions throughout the day by Gigi Benanti of Angelic Healing Center
Come Anytime During the Day To Receive a FREE Pure Light Blessing of Bliss
Afternoon Programs: Sacred Drumming Circle led by Rev. Carole Thomassy, PhD 3pm: Keynote speaker Michael Pizhadze, PhD, Quantum Physicist on vibrational frequency medicine Closing Mastery Meditation Dancing celebration! Susan Freeland demonstrating the EVOX Bio Feedback Technology Raffle tickets will be available for purchase ($5) to win 2 yoga classes, reiki healing sessions, energy healing meditation classes, one session of Evox. ...and much more!
COMMUNITY Holistic Day Saturday September 10th 9:00 – 5:00 Union Park
at Mott and Union Street Norwalk, CT
Bring Wellness and Balance into your Life September/October 2011
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Fairfield County Woman
Holistic Care & Community
Conscious Conception Seminar Series: Educate, Empower. Create. owner of Holcare Nutrition and author, will speak about “Cleaning Toxins Within and Without” The Role that Nutrition and the Environment Play on Preconception Health and the Health of Your Baby hTeresa Bulit-Gordon, CCEP Core Energetics Practitioner, will lead an experiential session on By Nina Antolino, RYT, MBA “Core Energetics” and how this repare your body/mind/ transformational technique respirit for a healthy journey leases emotional blocks stored to conception. Be empow- in your body ered each week as local and national experts share integrative hAlexandra McLaughlin, approaches to support precon- Creighton Model Fertility Care ception health. Through edu- Practitioner, will share “A Natucational seminars, experiential ral Approach to Pregnancy using sessions and inspirational suc- the Creighton Model” cess stories, discover new ways hYaron Seidman, D.A.O.M, L to release stress, create balance Ac, Founder of Hunyuan Fertiland promote overall well-being. ity Center, Author of Curing InLearn how you can enhance your fertility: The Incredible Hunyuan fertility through Acupuncture/ Breakthrough will discuss “CreatTCM, Yoga, Nutrition, Core Ener- ing Balance and Healing through getics, Creighton Model, Medita- Acupuncture and TCM” tion, Reiki, and more. Whether you wish to take a more natural hDr. Spencer Richlin, MD, approach to conception or in- Surgical Director, Board Certified tegrate any of these modalities in Reproductive Endocrinology with ART, educate and empower and Infertility, RMACT, Chief of yourself to create the “life” you REI, Norwalk Hospital, will guide you through “ART 101 and its want. Latest Advances” hOctober 3, 2011 Features Dr. Joel Evans, National Expert h Dr. Robert Zembowski, DC in Mind/Body Medicine, author Founder of Darien Center for Inof the Whole Pregnancy Hand- tegrative Medicine. will discuss book. He will kick off the series “ Functional Medicine, a Patient with “Mind/Body Connection to Centered Approach to Help Explain Unexplained Infertility” Conception”.
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hAnd Nina Antolino, RYT, MBA, Fertility Empowerment Coach, will present “The Empowered Path to Conscious Conception”
Weekly Expert Speakers/Authors Include: hVicki
Kobliner,
MS,
Fairfield County Woman
hDr. Paul Epstein, ND, national expert in Mind/Body Medicine and Mindfulness, Author of “Happiness Through Meditation” will discuss “Shifting Awareness, Perspective and Intention: Understanding the Deeper Messages of this Journey” hElaine Malin, L Ac. Norwalk Hospital Integrative Medicine will offer “Techniques to Promote Balance and Relaxation”. h And Special Coaching Teleseminar with Kristen Magnacca!, Coach, Speaker, Author of Love & Infertility and Girlfriend to Girlfriend, A Fertility Companion
3rd. Preregistration required Call or Email Nina at 914-3939221 Nantolino@aol.com or Register/pay online www.limitless-potential.net or at www. tlccenter.com Early bird discount 8/$160 by Sept 15th. 8/$240 before October 3rd, $40 at door, Also Join Nina for a FREE Fertility Yoga Class & Talk at Kaia Yoga Westport Sept 25th@ 12pm and TLC Center Norwalk Sept 26th @6pm
And more exciting speakers coming soon . Much thanks to Beth Prins Leas who is making the series available at The Total Life Care Center, 152 East Ave. Norwalk. 8 Monday evenings 7:30-9:30pm starting October
hStephanie Dalfonzo will lead a talk and an experiential session “Unlocking Blocks through Hypnosis, EFT and NLP” hBeth Prins Leas, Founder of TLC Center, Norwalk, will share “The Healing Power of Reiki” and other energy work
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Mind/Body Connection Nutrition and the Environment Acupuncture and Chinese Medicine Core Energetics Creighton Model Stress-Fertility Connection Yoga, Meditation , Reiki, Hypnosis Functional Medicine Empowerment and Emotional Support Inspirational Success Stories Integrative ART … and more September/October 2011
Employment
Full Time/Part Time k
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The FC Woman is looking for sales professionals. Call on local businesses and area professionals. Part time and full time positions available. Training provided. If you enjoy meeting people, you will enjoy this job. E-mail your resume to FCWoman.JRNL@gmail.com or fax your resume to 203-349-5421
Help Wanted September/October 2011
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Fairfield County Woman
Women’s Health
Walker s & Teams Join Now! T
he Fairfield American Heart Association (AHA) has announced the 2011 Heart Walk event is set for October 15th at Sherwood Island State Park in Westport. Teams and individual walkers are encouraged to sign up now online at www. fairfieldcountyheartwalk.org.
Association-funded research has yielded important discoveries such as the heart-lung machine, CPR, life-extending drugs, pacemakers, bypass surgery and surgical techniques to repair heart defects.
The Fairfield Heart Walk is presented locally by Cause Sponsor, The Heart Walk promotes physi- Stamford Hospital and nationally cal activity and heart-healthy liv- by Subway. Media sponsors ining in a fun, family environment clude The Hour Newspaper, Fairand is the organization’s larg- field County Woman, News 12 est annual fundraiser. The non- CT and Cox Radio. competitive walk raises funds to support heart disease and stroke For more information about the research, as well as educational Heart Walk or to start a team, and advocacy programs in the please email michele.grand@ heart.org or call 914-640-3266. Westchester area. To sign up your team online, visit Last year’s event attracted nearly www.fairfieldcountyheartwalk. 1,000 participants. This year’s org. goal is to raise $375,000 to support the mission of the American Why try walking? Heart Association of building m Walking is the simplest way to healthier lives, free of cardiovas- start and continue a fitness jourcular diseases and stroke. Com- ney. pany teams, community groups, families – even pets – are encour- m Walking costs nothing to get started. aged to walk for heart health.
and promote weight loss. m To maintain your current weight, walk 30 minutes daily at 4mph. m To lose weight by incorporating exercise only (no diet changes); walk for 45 minutes daily at 4mph.
Employers are encouraged to participate with employee teams. Walking programs at work can help employees get healthy and “Cardiovascular diseases and m Walking has the lowest drop- reduce healthcare costs. stroke are the leading causes of out rate of any type of exercise. Employee walking programs death among men and women. m Walking is easy and safe. pay off: Events like the Start! Heart Walk help promote our message of m Physically active people rem Physically active people save healthy lifestyles through exer- duce their CVD risk by 30%. $500 a year in healthcare costs cise, and help raise important and reduce their CVD risk by funding for programs and re- m Studies show that for every 30% (the poorer your exercise search,” said Brent Atkins, 2011 hour of walking, life expectancy may increase by two hours. Heart Walk Chair. “Walking is something that most everyone can do and this event reminds us that walking can be a fun and healthy part of everyone’s daily routine,” he said. Funds raised by Heart Walk participants and sponsors support heart and stroke research and public and professional education programs. American Heart
Fairfield County Woman
m Walking is the single most effective form of exercise to achieve heart health. m Walking for as little as 30 minutes a day will improve circulation; reduce stress and anxiety; increase enthusiasm and optimism, improve muscle tone and strength; lower cholesterol, triglycerides and blood pressure;
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capacity, the more expensive you are to treat medically). m Employers can save $3-15 for every $1 spent on health and wellness programs. m Heart disease costs employers more than $3 billion annually. m Fitness programs have reduced employer healthcare costs by 20 - 55%. m 25-30% of companies’ medical costs are spent on employees with strong CVD risk factors. m There are nearly 1,200 AHA recognized Fit-Friendly Companies, accounting for nearly 3 million Americans engaged in wellness programs at work.
The Fairfield County Heart Walk will be held on Saturday, October 15, 2011 at Sherwood Island State Park in Westport, CT. To get involved, form a team of your own or get your company involved, visit online at www.fairfieldcountyheartwalk.org. Call Heart Walk Director Michele Grand at (914) 640-3266 or by email at michele. grand@heart.org.
September/October 2011
Women’s Health Fairfield County Woman is pleased to announce our support of the American Heart Association and their Red Dress Campaign . It is important that we all show support to women all around the world in educating them on Heart disease . Fairfield County Women shares with you some photos of the event from June 7th with Lisa Oz wife of Dr. Oz television celebrity. Lisa Oz spoke of the importance of being present and how it helps your life in every way. When you are present in your life we all have a lot more clarity and you make better decisions and have healthier lives. Watch for more community Spot lights with Fairfield County Woman .
September/October 2011
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Fairfield County Woman
Health & Wellness
Melatonin Demonstrates Benefits
In Helping Control Weight Gain and Prevent Heart Disease Associated With Obesity
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niversity of Granada Spain researchers have shown that Melatonin, the natural hormone produced by the body and available as a supplement, helps in controlling weight gain, even without reducing the intake of food. Melatonin also improves blood lipid profile, as it reduces triglycerides, and also increases HDL cholesterol and reduces LDL cholesterol. Melatonin is naturally found in small quantities in some fruits and vegetables including mustard, Goji berries, almonds, sunflower seeds, cardamom, fennel, coriander and cherries. Thus, researchers are recommending the intake of these foods might help in controlling weight gain and preventing heart diseases associated to obesity.
Controlled Laboratory Trials
An Important Collaborative Study
This study was partially funded and supported by the Research Plan of the University of Granada, by the research group CTS-109 (Junta de AndalucĂa), Spain and the Erasmus Mundus programme (European Council). University of Granada researchers (from the Institute for Neuroscience of the Department of Pharmacology of the Faculty of Medicine), conducted this research in collaboration with the Clinical Trial Service of the University Hospital San Cecilio, Granada, the department of Physiology and Pharmacology of the University of Salamanca, the department of Pharmacology of the University of Jordan and the Service of Endocrinology of the Hospital Carloss III, Madrid Story Source: University of Granada.
For more information contact 877 812 8693
For more information contact : University of Granada research- 877-812-8693 ers have analyzed in young Zucker diabetic obese laboratory subjects the effects of melatonin on obesity, dyslipidemiaand high blood pressure associated with obesity. Melatonin was found to be beneficial for young subjects that had not still developed any metabolic or heart disease. Researchers think that Melatonin might help prevent heart disease associated with obesity and dyslipidemia. Finally, authors state that if this finding is confirmed in humans, administration of Melatonin via supplementation and increased intake of food containing Melatonin might be a useful tool to fight obesity and the risks associated with it.
Fairfield County Woman
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September/October 2011
Women in Profile A
Amy DeLardi
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Services provided by the Infinite Web Designs team include:
s Custom Website Design s Website Redesign s Search Engine Optimization (SEO) s Print Media Design s Logo Design s Brand Identity
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lastic surgeon Anya Kishinevsky`s high level of training and experience has helped her develop a reputation for excellence in cosmetic and reconstructive surgery. She received a Bachelor of Arts degree in biology after graduating with honors from Johns Hopkins University in 1996. She received her residency training in general surgery at the Montefiore Medical Center at New York`s Albert Einstein College of Medicine in 2000, and her training in plastic surgery at the Yale New Haven Hospital in 2003.
Angela holds a Masters in Psychology, five career coaching certifications and has been mentored and trained by Jack Canfield, author of Chicken Soup for the Soul and Success Principles and Tory Johnson, Good Morning America’s Career Consultant and founder of Women for Hire, the leading career organization for women.
With over 16 years of web and graphic design experience, Amy has expertise in search engine optimization (SEO) strategies to help her clients obtain higher search engine rankings. Amy and her team know a website is a valuable marketing tool that can drive sales, increase business and position companies above the competition.
Dr. Anya Kishinevsky stays committed to continuing her education and training to provide her patients with plastic surgery services of the highest quality. In 2005 she received rhinoplasty training in Texas under world-renowned plastic surgeon Dr. Jack P. Gunter. She also received training in facial aesthetic surgery at the Manhattan Eye, Ear and Throat Hospital.
Angela is a contributing author of The Gratitude Book Project Celebrating 365 Days of Gratitude and of the soon to be released, The Gratitude Book Celebrating Moms and Motherhood. Angela’s book, Ask Angela a Jobseeker’s Guide to Finding the Perfect Job will be out by summer 2011.
Although websites and graphic design campaigns are the focus of IWD, Amy has donated websites to not-forprofit organizations including TeamBrent.com, which raises money to combat childhood cancer. Amy also speaks to local business groups on the importance of high website search engine rankings and websites as a necessary marketing tool.
Dr. Kishinevsky believes in giving back to the community and frequently participates in charitable missions abroad, to provide free reconstructive surgery for children in need around the world. She is fluent in Russian, French, and Hebrew, and conversational in Spanish.
If you are looking for a “roll up your sleeves”, “no holds barred”, innovative approach to up-level your career while discovering who you are at your core, Driven to Succeed Consulting LLC is for you!
Amy DeLardi Founder and Creative Director of Infinite Web Designs, LLC 203 307 5107 www.infinitewebdesigns.com
Anya Kishinevsky, M.D.
ngela Schutz is the Managing Director/Founder of Driven to Succeed Consulting LLC, an organization that offers career and executive coaching services, dream coaching, success empowerment workshops and professional speaking services. Driven to Succeed Consulting LLC combines state-of-the-art career services with effective personal growth techniques to help clients reclaim their confidence and land their next job quickly.
my DeLardi leads a team of skilled professionals in designing websites and creating innovative branding campaigns.
September/October 2011
Angela Schutz
Angela Schutz Managing Director/Founder of Driven to Succeed Consulting LLC www.driventosucceed.net
Anya Kishinevsky, M.D. 203 656 9999 www.anyakishinevskymd.com
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Carol McManus
xecutive Coach, Business Consultant, and Social Media Strategist Carol McManus is the Founder and President of Ywait4success, a coaching, consulting and training business targeted to meet the needs of real estate owners and managers. Carol is a certified Executive Coach who personally works with entrepreneurs and business owners in any industry using laser-focused techniques and fast-track solutions to solve business challenges. Prior to launching her business in 2007, she was the Senior Vice President of Real Estate Operations for one of the world’s largest real estate franchises.
She is the author of “Ten Traits for Top Performers” and is currently working on her newest book, “Reinvent Yourself at Any Age.” After striking out on her own, it was essential to learn new marketing skills.Social media became her break-through secret weapon to success. Carol speaks frequently on how entrepreneurs can develop a successful strategy devoting only 17 minutes a day to social media. Her advice to clients usually includes Facebook, Twitter, YouTube, Google Profile and Blogging, but her secret sauce is showing people how to use LinkedIn effectively to gain more sales leads, referrals, and new business without selling! Carol McManus carol.mcmanus@ ywait4success.com 203 286 8760 www.ywait4success.com
Fairfield County Woman
Women in Profile G
Gina Brillon
ina Brillon Actress, Comedian and Writer Gina was born and raised in Bronx New York .She attended Mary Mount Manhattan College studying creative writing and communication. Gina’s first taste of comedy was at a very young age when she was entered in a comedy contest with her twin sister Debbie won the competition and Gina continued on to aspire to great achievements in the world of Comedy. She has been featured in Caroline’s Comedy Club, Laugh Factory in NY and LA, Gotham Comedy club in NY, and has many short takes on U-tube. Gina has been in productions such as consequences, went to Coney Island, and the Cyclist. Gina is a featured writer for Fairfield County Woman with “Think out Loud” article. Not only a regular at clubs around NYC, she’s also known on the web, www. livetheatregang.com raves that Gina “reminded us that Whoopi Goldberg was not the last funny female to hit the NYC comedy scene.” Gina is branching out to live radio where she has stared “Think out Loud” her featured article. You can catch Gina on live radio at www.ustream.tv/ channel/thinkoutloud.
Gina is one of the funniest New Faces of the Latino and mainstream comedy scene. Gina Brillon www.ginabrillon.com
Fairfield County Woman
Lisa Wexler
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Sergiana Bruno
ergiana Bruno is a licensed massage therapist who practices in Norwalk, CT. Sergiana had graduated from the Connecticut Center for Massage Therapy from Westport, CT in 2008. She also graduated from the University of Connecticut and earned her Bachelor’s degree in Human and Health Development the same year. Sergiana’s uniqueness makes her different from ordinary massage therapists. Sergiana works diligently in her practice and she dedicates her efforts to help clients reach optimal health. As a skilled therapist, Sergiana decided to use a new modality which is known as Lypossage to help women stay in shape without invasive cosmetic surgery. She wanted to help women have firmer body tone, reduced cellulite, and reduced sagging tissue underneath the arms. So therefore, Sergiana became a lypotherapist. She completed her studies at the Lypossage Training Institute in Alexandria, VA. In addition, Sergiana is certified in medical and prenatal modalities.
isa Wexler is the creator and host of the award-winning talk radio program, The Lisa Wexler Show, broadcasting in the Fairfield County, CT/ Metro NY areas from 4-6 p.m. weekdays on Coxradio’s AM 1400 WSTC/1350 WNLK. Lisa won the 2010 “Gracie” Award as Best News/Talk Show for her interview with Gloria Steinem and was awarded the title “Gold Coast Best Radio Personality” in 2009 and 2010 based on a reader survey. She is a graduate of The Johns Hopkins University and the New York University School of Law, where she won the American Jurisprudence Award for Excellence in Constitutional Law. The mission of the Lisa Wexler Show is to entertain and inform, with humor and empathy. Lisa is particularly interested in giving voice to the voiceless, such as children, animals and oppressed women.
Lisa recently published her first book, Secrets of a Jewish Mother, co-authored with her mother, Gloria Kamen and sister, Jill Zarin. (Penguin/Dutton).
She currently serves on the Board of the Jeffrey Modell Foundation for Primary Immunodeficiency Research and the Advisory Board of Jane Doe No More. Lisa Wexler has been married for 28 years to Bill Wexler, is the mother of two children and shares her pillow with her beloved Bichon, Sugar. www.lisawexler.com
Sergiana Bruno, B.S, LMT, MMP Certified Lypotherapist 156 East Ave, 2nd Floor Norwalk, CT 06851 (203) 548-7292 Therapeuticbodywork.2@ gmail.com www.painlesshealing.com
Lisa Wexler www.lisawexler.com
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Valerie Fields
alerie Fields is a facilitator of women’s events, an inspirational speaker and Founder of Spirit of Woman Unlimited and Spirit of WomanConnect.
Her passion to enrich the lives of women was born out of a recurring dream where she saw herself as a bridge uniting the common interests of women. She believes women are powerful beings and very significant to birthing much needed initiatives that will change our communities and our world. She likes to regard herself as a “connector of women” because she understands the value of connections and the amazing opportunities that are possible for every woman when they connect and share rather than compete and compare.
If you are a business owner, a woman entrepreneur or someone who wants to discover what you are passionate about and give life to a dream you had to defer, Valerie invites you to come and be a part of a dynamic networking experience that is focused on you and what you uniquely have to offer to others.
Valerie J. Fields www.spiritofwomanconnect.org 203 912 2756
September/October 2011
Education
The College Review Edge
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aximizing your child’s preparation so they can perform at a peak level of effectiveness on the exams is our number one objective. Our programs are designed to fit your budget, your time frame, your child’s learning style and your family’s priorities. With our One-on-One, Private Tutoring and small classroom setting we ensure that your child is getting the individual attention that they need. We believe that there are four key components that are fundamental to success and maximizing scores:
1. Customized 12 week program combin-
ing classroom with private tutoring--Ensures that your child is getting the individual attention that they need.
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Use of professional, trained, certified tutors who are matched to your child’s needs optimizes the learning interaction.
3. Custom-developed and time- tested cur-
riculum- Teaches the key test-taking strategies needed to succeed.
4.
Practice tests- Using actual College Board and ACT samples, these tests benchmark your child’s progress, and prepare them to perform at the peak of their ability.
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SAT OR ACT CAMP
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ACT MATH PREP COURSE
P'1"&5("$1"#$P%!$:61"$0#91+&3$+0$/+^95'1D$+1$+0$*#.7$'#6.3 presents a thorough analysis of ACT math and introduces that will help you immensely, not only on the ACT but in exercises in this class are designed to prompt you to think #86:-'#D$7&5$,+''$;3/$_56'0?$!"#0#$6.#$-6+.0$&2$0+:+'6.$P &3#$-.&-#.17$+0$/+<#.#31?$!"#7$+''501.61#$1"#$-.&9#00$&2$9.# target is a top score, this is the class! Textbook included.
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COLLEGE ESSAY P3$#0067$963$>#$63$#00#31+6'$9&:-&3#31$&2$1"#$9&''#(#$6--'+961+&3?$C5.$9#.1+;#/$ 1#69"#.0$963$-.&*+/#$-.+*61#$+301.591+&3$1"61$,+''$&<#.$6$9&:-#1+1+*#$#/(#$1&$7&5.$ college application.
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Our online courses let you prepare on your schedule. Opt tutoring (our most customizable prep) to Extreme Online hours to prep). The SAT and ACT Online is a comprehens the same great content from our traditional classroom cou interactive multimedia lessons and exercises. This course students who need to set their own schedules. H$C3'+3#$G.+*61#$!51&.+3(`$C5.$:&01$9&:-.#"#30+*#$&3'+3 H$]P!$&.$P%!$L8-.#00$C3'+3#`$!"#$0"&.1$+31.&$9&50#$1"61$ before the SAT or ACT H$!"#$]P!$63/$P%!$C3'+3#`$P$9&:-.#"#30+*#$&3'+3#$9&5 the same great content from our traditional classroom c combination of interactive multimedia lessons and exer great for self‑starters and busy students who need to se H$G]P!$C3'+3#`$%501&:+I#/$9&5.0#0$1&$-.#-6.#$2&.$1"#$G]
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September/October 2011
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Fairfield County Woman
Legal
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he Importance of a Good Buy-Sell Agreement and he New Federal Women-Owned Small Business Program an insurance policy for each individual owner (e.g. a business with 6 individual owners would result cross-purchase of 36 life insurance policies (6 owners x 6 policies each); (ii) if among the owners there is a great age disparity, or if some owners have health issues which effect their insurability, a disparity among the owners in the cost of the premiums may be the result (i.e. the premium on a younger owner costs less); and (iii) the cost of funding the buy-sell agreement may be greater if the owners are in a higher tax rate than the business itself. Stock Redemption Agreements
Are you a part owner of a small business? If so, any small business with multiple owners (i.e. shareholders, partners or members) should always be concerned about what might occur if one of the owners dies. Can the surviving owners avoid interference from the family of the deceased owner? Will the survivors have the money available to pay to Estate of the deceased owner for the value of his or her interest in the business? For all of these reasons and more, small business owners are best served by entering into a buy-sell agreement while they are all alive. FORMS OF BUY-SELL AGREEMENTS AND TAX IMPLICATIONS The Cross-Purchase Agreement With the cross-purchase agreement, each owner of the small business purchases an insurance policy insuring the life of the other owners. The purchaser is both owner and beneficiary of the policies. Upon the death of one of the owners of the business, the surviving owners use the life insurance proceeds to equally purchase the deceased owner’s shares. The benefits of this type of agreement are as follows: (i) the family of the deceased owner will receive a tax basis equal to the fair market value of the decedent’s share of the business at the date of death, thus likely avoiding any income tax as a result of the sale; (ii) the life insurance proceeds received by the surviving owners are not subject to income taxation; (iii) for the newly purchased interest, the surviving owners will be entitled to a tax basis equal to the purchase price (this steppedup basis will likely reduce future income taxes if the surviving owners later sell their interests in the business); and (iv) the insurance proceeds are not subject to the corporate alternative minimum tax (AMT) and because the policies are owned by the individual owners are also not subject to the claims of business creditors. The disadvantages of this type of agreement are as follows: (i) the plan is difficult to administer if the business is owned by a large number of people who must buy
Fairfield County Woman
Another commonly used type of agreement is called a stock redemption agreement, in which the business owns policies on the lives of each of the owners. When an owner dies it is now the business who buys the deceased owner’s interest with the insurance proceeds. The benefits of this type of agreement are as follows: (i) a prime advantage is that it is easier to administer for multiple owners (e.g. unlike above now a business with 6 individual owners would result in the purchase of only 6 policies); (ii) the business and not the individual owners will bear the differences in the cost of premiums due to age and medical differences among the owners; (iii) the business will not recognize income for tax purposes when it receives the insurance proceeds (the corporation must, however, consult its accountant to understand the possible effect of the entire transaction on the earnings and profits of the business). The earnings and profits will increase with the life insurance proceeds received, but expenses will rise due to the repurchase of the ownership interest, so all of the owners of the business should consult an accountant to understand the overall result of this type of agreement.
more than a 50% interest), that owner is deemed to have an ownership interest in the life insurance policy due to the owner’s ability to designate a beneficiary, as well as other ownership interests. Thus, the benefits on receiving life insurance proceeds may be substantially reduced if estate taxes are incurred as a result of the life insurance proceeds being included in the estate. It should also be noted that if you are a family-owned small business that the IRS will often dispute the purchase price of the buy-sell agreement as not being for fair market value. Due to all of these potential complexities it is imperative that any small business considering a buy-sell agreement consult its attorney, accountant, and life insurance agent as to the best type of agreement, life insurance policies and valuation of the business. No small business should enter into such an agreement without first consulting its accountant to discuss all of the possible tax ramifications, along with a skilled insurance agent to discuss the various types of policies that may be purchased. THE WOMEN-OWNED SMALL BUSINESS PROGRAM Last week the United States Small Business Administration (SBA) announced that the Federal Government’s new Women-Owned Small Business (WSOB) program went into effect on February 4, 2011. http://www.sba.gov/
Estate Tax Implications
“Implementing the Women-Owned Small Business contracting rule has been a top priority for the Obama Administration and SBA,” said Admin. Karen Mills. “Womenowned businesses are one of the fastest growing sectors of the economy. As we continue to look to small businesses to grow, create jobs and lead America into the future, women-owned businesses will play a key role. That’s why providing them with all the tools necessary to compete for and win federal contracts is so important. Federal contracts can provide women-owned small businesses with the oxygen they need to take their business to the next level.” See The Business Wire, February 1, 2011. http://www.businesswire.com/news/ home/20110201006619/en/SBA-Announces-Contracting-Program-WomenOwned-Small-Businesses
When a cross-purchase plan exists, the proceeds from the life insurance policies are not included in the deceased owner’s estate because he or she is not the owner of beneficiary of the policy. However, this benefit may not be available under a redemption plan. If the deceased owner possessed a controlling interest in the business (i.e. a shareholder who owns
This new Federal contract program will provide greater access to federal contracting opportunities for WOSBs. The program allows contracting officers to set aside specific contracts for certified WOSBs and will help federal agencies achieve the existing statutory goal of five percent of federal contracting dollars being awarded to WOSBs. Id.
The disadvantages of this type of agreement flow to the individual owners. It is a significant disadvantage that the surviving owners do not get the benefit of a step-up in basis when the business purchases the deceased owner’s interest. Rather each individual business owner retains their respective tax basis in the business. As a result, if the surviving owners then sell the business at a later date, this may create the potential for greater capital gains.
19
The SBA released instructions on how to participate in the program on its website: http://www.sba.gov/content/contracting-opportunities-women-owned-smallbusinesses. To qualify as a WOSB, the business must be: (i) at least 51 percent owned and controlled by one or more women; (ii) be primarily managed by one or more women; (iii) the women must be U.S. citizens; and (iv) the business entity must be considered small according to SBA size standards. Another aspect of the program is designed to aid “economically disadvantaged” WOSBs. In order to be deemed “economically disadvantaged,” in addition to all of the requirements above, the WOSB must meet specific financial requirements, which are as follows: (i) the woman’s personal net worth must be less than $750,000 (with some exclusions); (ii) her adjusted gross yearly income averaged over the three years preceding the certification is less than $350,000; and (iii) the fair market value of all her assets is less than $6 million (with some exclusions). How does a WOSB participate in the Program? The steps are set forth on the SBA website, but are as follows: (i) read the WOSB Federal Contract program regulations in the Federal Register and the WOSB Compliance Guide (ii) Register in the SBA Central Contractor Registration (CCR) as a WOSB or an EDWOSB; (iii) Log onto SBA’s General Login System (GLS) and go to the WOSB program repository and upload all required documents; and (iv) update your status in Online Representations and Certifications Application (ORCA). If your business, or someone you know, may bid on or otherwise qualify for a federal government contract, you should contact your local Small Business Administration Women’s Business Center for assistance. To find out the location of your area Women’s Business Center log onto the SBA website at: http://www.sba.gov/ content/womensbusiness-centers
50 Washington Street, Suite 510 Norwalk, CT 06854 T.203.750.5868 F.203.750.5968 rjs@sandorlaw.com www.sandorlaw.com twitter: @sandorlaw DISCLAIMER: IRS CIRCULAR 230 DISCLOSURE: Under regulations issued by the U.S. Treasury, to the extent that tax advice is contained in this correspondence (or any attachment hereto), you are advised that such tax advice is not intended or written to be used, and cannot be used by you, or any party to whom this correspondence is shown, for the purpose of (i) avoiding penalties under the Internal Revenue Code, or (ii) promoting, marketing or recommending the tax advice addressed herein to any other party.
September/October 2011
Community
Community Outreach
Vikki was a young married woman when she moved to the United States from Mexico with her American husband several years ago. New to this country, Vikki was determined after the birth of her children to learn English and teach her daughters the language as well. She heard about Caroline House, which was a little over a mile from her home. She signed up for English classes and enrolled her two year old twins in the pre-school. Rain or shine, in the heat or cold, Vicki pushes her stroller and shows up for classes. She has perfect attendance and is determined for her children to succeed. Vikki will graduate in June 2011. Her daughters who now speak fluent English will be placed into an English speaking kindergarten. She will finish at Caroline House with English and life skills to be able to advocate for her children at the pediatrician or with the twin’s teachers! Caroline House is a nondenominational education center teaching literacy and life skills to low income immigrant women and children. Founded by the School Sisters of Notre Dame, it is located on the East Side of Bridgeport in an impoverished neighborhood. Caroline House has nurtured and educated over 1,300 women and children since opening its doors. Caroline House promotes family literacy and views the parent as a child’s first teacher and reading as a child’s first subject. When mothers and children learn to speak English, children do much better in school and the entire family is more stable. Through the Mother and Child Literacy Program, Caroline House addresses Connecticut’s achievement gap, which is the worst in the nation among economically disadvantaged children. Every child who graduates from the Caroline House preschool is accepted into an English speaking kindergarten. Additional programs offered are after school and summer programs for underserved youth, basic literacy classes and citizenship classes.
574 Stillman Street • Bridgeport, Ct 06608 phone (203) 334-0640 • Fax (203) 334-0248 Fairfield County Woman
September/October 2011
20
MARCH/APRIL 31
Fairfield County Woman
Community
Empower Lounge is coming to Stamford! Empower Lounge: Bringing the best career, life-balance Meet Valerie Fields, local ambassador/curator for Eminspiration, events, resources and community to power Lounge Stamford: ambitious women worldwide and locally. As local ambassador for Empower Lounge Stamford and Founder of Spirit of Woman Unlimited, I’m excited about launching a vibrant online community that will provide local ambitious and passionate women a platform to share their passions, connect with like-minded women and find the very best local inspiration, resources, events and ways to give back right here in Stamford and surrounding areas.
With women making up half of the workforce and launching businesses at twice the rate as men, they want more than just the latest fashion advice. Today’s ambitious women seek the best tips-from-thetrenches, inspiration and support network to help them pursue their professional and personal dreams with gusto, creativity and focus. That’s why we bring you Empower Lounge:
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The ultimate online hangout for ambitious women of all ages, entrepreneurs and professionals alike, to gather worldwide and locally.
Misty is on a mission to empower ambitious, professional and entrepreneurial women around the world and in their very own community. After seeing the positive impact her first two sites, My Inspiration Lounge and Austin Women Online, had on women by giving them direct online access to curated, relevant inspiration, resources and events - Misty realized the need to combine the national and local online resources to offer one powerful online destination, now called Empower Lounge. Its “hyper-local to global” online community model gives entrepreneurial and professional women a new holistic, timely way to find and share the very best career, life-balance inspiration, practical tools, worthy events and trusted support – helping them achieve personal and professional success in a whole new way.
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At Empower Lounge National and Stamford, we make it easy to:
g Form meaningful connections with like-minded women g Discover and share curated inspiration, resources, charties and events g Share how you pursue your passion and balance it all g Empower your soul, business, career, time, and giving! There’s nothing ordinary about the global and local powerhouse of women and inspiration we’re bringing together. Be the first to know when Empower Lounge and Empower Lounge Stamford is live!
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“I joined Empower Lounge: Austin before I moved to Austin. It was a great way to get connected with some wonderful local resources quickly. In my first week here I found a woman’s business networking event that helped me begin building relationships immediately - both personal and professional - and helped me feel welcome in Austin. Thank you for creating AWO, Misty. It’s a fabulous resource to find just about whatever I need to settle into my new city.” -Laurie Cameron, Empower Lounge member
Follow us on Twitter @EmpowerStamford @EmpowerLounge Sign-up for our short daily emails
featuring the very best career, life-balance inspiration handpicked by our editors and shared by our members around the world by visiting Empower-
Lounge.com.
Calling all local advertisers
For more details on becoming an exclusive advertising sponsor and how we can connect you with influential women in your community – contact Valerie Fields at valeriejfields@yahoo.com.
Fairfield County Woman
I can’t say enough about what you’re providing for the world through My Inspiration lounge. It’s full of inspirational opportunities and an escape from the negative news. I used to be so imaginative; so creative...life took a toll on that, but now I have hope that I can belong to a network where I can relive that again! –Leondria Baxter, Daily Email Subscriber
Visit Empower Lounge at: www.empowerlounge.com 21
September/October 2011
Fabulous Fashion
Experience DONCASTER – a new way to shop for clothes… Designed by Patricia Clynewho designed her own label and formerly designed for Oscar de la Renta. Uses the finest fabrics available around the world… from the same mills used by the top couture designers. Style and design details rival the couture collections, but the clothes are also versatile and priced to suit your needs. Clothes are three-season wear and will work with what you already have in your closet. Available in sizes 2 to 24 and comes in petites and woman’s sizes-everything from suits, to casual to accessories! Make an appointment to see the collection in our Wilton Show Room Or any time at the Manhattan Showroom by contacting us: Gail Hanny 203 -762-5487 h 203-921-7023 c gmhanny@optonline.net September/October 2011
Lisa Benison 203-761-1250 h 203-451-0070 c lbenison@optonline.net 22
Fairfield County Woman
Business To Business
Simple SecretsSmart to Social Social Media Success Simple Secrets to Media Success Being Socially Spells Success yourbusiness businessisisselling sellingreal realestate, estate, 2.2.IfIfyour
A Income LinkedIn stillimportant importantfor forlong-term long-termrereLinkedIn isisstill A Geography lationships, butaaFacebook Facebookpage pagecan canbe be lationships, but A Personal Interests extremely useful establishingyou youas asthe the extremely useful ininestablishing A Career ormarket Profession expert the marketyou youserve serve––not notby bytelltellexpert ininthe
By:Carol CarolMcManus McManus By:
By Carol McManus
Everyday daythere thereisissomething somethingnew newtotoreport report Every as it relates to social media. One of the as it relates to social media. One of the really can’t believe what has hapmost recent revelations wasspace the impact impact most recent revelations was the pened in the social media over that grass-roots movement couldhave have that grass-roots movement could theaalast 12 months. In general, we on changing the entire political structure of on changing the entire political structure have moved from fear and rejection of to an entire country. That’s both scary and an entire country. That’s both scary and uneasy awareness to conditional acinspiring! AASo story thatdo captured everyone’s inspiring! story that captured everyone’s ceptance. what I mean by that? heart awhile back was the unknown singing heart awhile back was the unknown Simply put, what seemed like asinging shiny talent from across the pond who, through talent from across the pond who, through new toy has become a business neYouTube became an overnightworld, sensation YouTube overnight sensation cessity inbecame the newan marketing yet –you youguessed guesseditit––Susan SusanBoyle! Boyle! Again, Again,aa – there are still many individuals and busilittlescary scarybut butabsolutely absolutelyinspiring. inspiring. little
I
nesses who are struggling with how to make it happen.
Let’sfocus focuson onthe theinspiring inspiringaspect aspectofofwhat what Let’s is happening in cyberspace and how you is happening in cyberspace and how you Let’s see if I can make it easier for you. can apply it to your own situation. The goal can apply it to your own situation. The goal In this article, I want to give you a few get found, leavean animpression, impression, and isistotoget found, leave and simple steps to follow to get your social motivate others to spread the word on your motivate others to spread the word on your networking in gear. behalf. IfIfwe webreak breakthat thatdown downit’s it’sreally reallyaa behalf. simpleformula formula for success. simple success. Question #1 –for What type of business
are you in? Are you a professional GETFOUND: FOUND: youwant wantto toget get found, you GET IfIfyou you service provider? Are you afound, bricks & havetoto startby bygetting getting thegame. game. This have start ininthe This mortar business with product to sell to notime timeintraffic? inthe thehistory history youran business isisno your business toto consumer Areofofyou Internet be a wallflower. But I don’t recommend be a wallflower. But I don’t recommend toto based business? Are you a network my clients that they jump into the deep end my clients that they jump into the deep end marketer? thepool poolwithout withoutaafew fewcritical criticalswimming swimming ofofthe lessons. lessons. The list could go on, but self-identifying
your business theyou first step in your your Choose whatis sites you feel match your 1.1.Choose what sites feel match social media plan. personality, your business objectives, personality, your business objectives, whereyour yourpotential potentialclients clientsororcustomers customers where
Question #2 then –then What type of client or hangout outand and build complete andapaphang build complete and customer are you trying to attract? propriate profiles to attract others to you. propriate profiles to attract others to you. Be specific asare you can when conyou Foras example, you are professional conFor example, ififyou aaprofessional answer this question. Think about your sultantseeking seeking findnew newbusinesses businesses sultant totofind toto ideal customer – not would the general popuserve, then LinkedIn LinkedIn would be your your first serve, then be first lation. choice. You Youshould shouldbuild buildyour yourprofile profilehighhighchoice. lighting your your business business accomplishments, accomplishments, lighting
terpeople peopleget gettotoknow knowyou. you. ter
don’t like positioning information in the Use your your profiles, your updates, updates, your 2.2. Use your negative, butprofiles, in this your case I’m going to wall postings, postings, and and your your tweets tweets toto share share wall make an exception. Here are the comsomeofofyour yourintellectual intellectualproperty. property.That’s some aa mon mistakes individuals and That’s busiverydaunting dauntingand andformal formalphrase, phrase,but butsimsimvery ingeveryone everyoneabout aboutyour yourhomes homesfor forsale sale–– nesses make when using social media. ing plyput, put,ititmeans meanstell tellpeople peopleaalittle littlebit bitabout about ply Then I challenge you to go even deepbut by sharing your great knowledge about but by sharing your great knowledge about what you know. You would beamazed amazedthat that what you know. You would be er? Where does your customer shop? 1. They sell too much – prematurely – thehome homebuying buyingand andselling sellingprocess processand and the things that are obvious and come second things that are obvious and come second What type of car do they drive? What and without having earned the right to tipson onwhat whatresidents residentswant wanttotoknow knowabout about tips nature toyou youare arerevelations revelations others. nature totoothers. do they read? This list can go on and do so. toYour Facebook page is not the your community. your community. Build trust byserving serving others. Always be on, but you get the idea. same astrust running a quarter page ad be in 3.3.Build by others. Always youwant wanttotostand standout outon onTwitter, Twitter,ititisis 3.3.IfIfyou looking foropportunities opportunities sharepromote informathe newspaper where you can looking for totoshare informaimportantthat that–your your tweets reflectthe thekeykeyimportant tweets Question #3 What are reflect their current tionor orconnect connectyour people yournetwork, network, your service, product and yourtion people ininyour oror wordsthat thatothers others mayproduct besearching searching for. words be for. buying habits for may the or serpointpeople people tosolutions. solutions. Yourgenerosity generosity pricing. You tomust give before you can point Your Youyou willattract attractfollowers followerswhose whoseinterests interests You will vice provide? willpay paybig bigput, dividends because whatyou you get. Simply sharebecause your knowledge, will dividends what mirroryour yourmessaging messagingand andultimately ultimatelythe the mirror arereally reallydoing doing building trust andconficonfiare isisbuilding trust and your insights, your tips, your tricks, and services orproducts products youprovide. provide. or locaservices you A Shop or based on convenience dence andthat thatthrough thefoundation foundation forpeople people dence and isisthe your passion posts, for updates, tion wantingto todo dobusiness business withyou. you. wanting with articles, blog links, photos and videos A Shop based on price competition only promote yourself 1 out of ev“Yes, Carol! I want want beormore more – and “Yes, toto be A ShopCarol! based Ion uniqueness qualMOTIVATE OTHERS TO SPREAD SPREAD THE THE MOTIVATE ery 10 timesOTHERS you post!TO ity of product or service effective using LinkedIntotobring bringme me WORD: WORD: Since Sincethe thebeginning beginningofoftime, time,itithas has effective using LinkedIn Amore Reliesrefurrals, heavily on referrals and recalways been a business owner’s objective 2. They speak in language intended for always been a business owner’s objective leads, and and closed closed more refurrals, leads, ommendations get theircustomers customers sayindividual goodthings things mass media and not tototo one at totoget their say good business” business” A Makes buying decisions based on atotime. to their theirWhile friends, relatives andan neighbors friends, and neighbors yourelatives are putting update trust and reputation about why theyshould should do business with about they business with on yourwhy LinkedIn profiledo which goes to you. Your goal online through social media you. Your goal online through social media all your connections, you want the tone Ifthis thisisisyou, you,then thene-mail e-mailme metoday today If Take a moment to adapt these ques- and stimulate that same typeoflike ofresponse response isistoto stimulate same content tothat make it type read it was Carolmcmanus@linkedinlady.com Carolmcmanus@linkedinlady.com tions to your specific business – again, meant from your yourthat connections, your friends, from connections, your friends, oror for one human being sitting itto doesn’t matter whethertips youfor provide a atyour to receive myhottest hottest tips for Linkeyour followers. receive my Linkefollowers. their computer or reading screen on service or a product – your best in client Give reallycool tips,tricks, tricks,hints, hints, andyou se1.1.Give really tips, and seiPhone –cool make them feel like dInusers. users. Justput put hottips tips the their dIn Just hot in the has habits that you need to understand are crets thatintrigue intrigueand and inspirepeople. people. For For crets that inspire talking directly to them! subject line. subject line. so that you can reach them, engage example:What Whatare arethe thebest bestdays daystotoshop shop example: them, and ultimately do business with 3.for for freshget vegetables fish? What chemifresh vegetables ororfish? chemiThey lazy and fail toWhat participate them. calsshould should yoube be concernedabout aboutifwork ifyour your cals you concerned regularly. Social networking takes Youwill willreceive receivemy my You dry cleaner is using them? What is the dry cleaner is using them? What is the best (you’ll notice it’s the four letters in best the Top Must-Do’s have effec••Top 55Must-Do’s totohave So we’ve covered the Big an 3an–effecNow middle siteonline online find coupons? Whatshould should site totofind coupons? What of the word ‘networking’). You based on whaton you have analyzed, can’t youask askyour yourdivorce attorney before your tivepresence presence on LinkedIn you attorney tive LinkedIn develop adivorce profile and letbefore it sit your idle. where are your potential clients or cus- You hire him? hire him? can’t open a Facebook account Top 55 Mistakes Mistakes that are are driving driving •• Top tomers hanging out onthat the Internet? Be inspirational, motivational, and funny. 2.2.Be inspirational, motivational, and only watch what’s goingand onfunny. from peopleaway awayfrom fromyour yourprofile profile people The words and and videos that goonce viral first first The words videos that go viral the sidelines. You can’t tweet evA Websites – they use Google or other and sustain over time arethe the ones with and sustain over time are ones with ery 6 months and expect to be taken search engines to find you universalmessages messagesthat thattouch touchour ouremoemouniversal seriously. Thisisistotally totallyFREE. FREE. This tions. You Youdon’t don’thave havetotobe bethe theauthor author–– tions. A Blogs – they research your business you haveabuse bethe the publisher. Whatquotes quotes you have totobe publisher. What They their network. When and your reputation on the words of 4.inspire inspire you? What thoughts motivate you? you? What thoughts motivate you? LEAVE ANIMPRESSION: IMPRESSION: When youare are you meet someone at a live networking LEAVE AN When you others who have already done business Whatmakes makes youlaugh laugh (appropriate humor, What you (appropriate humor, event, you engage in casual conversausing cyberspacetotoconnect connectwith withpeople, people, using cyberspace with you please)? Share Shareit!it! please)? youhave havetotowork workaalittle littleharder harderthan thanwhen when tion to establish rapport and share bayou you areface-to-face face-to-face networking meetA Social Networking – they meetcomyou are atataanetworking ing. InInthe the Internet world,they they don’t have municate on the platform that is most ing. Internet world, don’t have the immediate immediate benefit seeing you you up up closely matched with the demographic the benefit ofof seeing close andpersonal, personal,feeling feelingthe the strength and psychographic analysis you did unclose and strength ofof your handshake thepower powerofofyour your smile. your handshake the smile. der Question #2.ororProfessionals, service Allofofthose thoseand things mustbe beimplied implied through All things must through providers, entrepreneurs hang out your wordsand and yourpositioning. positioning. your words your on LinkedIn. General consumers, soccer moms, young adults and like Allow your personality comethe through 1.1.Allow your personality totocome through hang outwords. on Facebook. Internet maryour words. Thisisiscalled called authenticininyour This authenticketers, niche specialists, and curiosity ityand andit itisisimperative imperative thatyour yourrepresent represent ity that seekers hang out on Twitter. Those are yourselfininan anhonest honestway. way. However, However,this this yourself generalizations to get you started. comes with a word of caution. If, by nacomes with a word of caution. If, by na-
A Age Range education your expertise, educationand andcredentials, credentials, your expertise, A Gender and supportyour yourinformation informationwith withrecomrecomand support ture,you youare areaalittle littlesarcastic sarcasticorordry-witted, dry-witted, ture, A Marital Status mendations fromothers otherswho whoare arerepresenrepresen- But mendations from you can’t leave this article until we then I recommend you pull back onthose those then I recommend you pull back on A Family size tativeofofthe thepeople peopleyou youwant wanttotoconnect connect talk a little more about what being tative Soquips in the written forum. Save your best quips in the written forum. Save your best A Ethnic Background (if important) with. with. cially Smart means.that I evolve generally forthe the verbalreally conversations that evolveafaffor verbal conversations
Askfor forhelp. help. Don’t Don’tbe beafraid afraidtotoencourencour3.3.Ask
sic information about what you each do age peopletotopass pass onthe themessage message othage people on totoothfor a living. You don’t scour the room ers. Sometimes Sometimesthe thesimple simpleact actofofasking asking ers. shoving business cardsI Ihave into everymakesallall thedifference. difference. haveaa friend makes the friend one’s hands asking them to call on you for whoregularly regularly asksme me re-tweet onTwitTwitwho asks totore-tweet their insurance needs, theirmakes real estate ter. Just Justthat thatsimple simple request makes easy ter. request ititeasy needs, their chiropractic needs, etc. forme, me,helps helpshim, him,and andstimulates stimulates metoto do for me do You must be engaging before you something that mightnot not havedone donewill on something that I Imight have on ever BE engaged. Remember, people myown ownsimple simplebecause because wanttotohelp help him my I Iwant him have out.to get to know you before they will out. like you. They have to like you before Somy myadvise? advise? Get the game…share, they will begin to trust you. And they So Get ininthe game…share, giveback, back, connect, redirect…inspire and have to trust you before they will and do give connect, redirect…inspire motivate…and aboveall…have all…haveFUN! FUN! business with you. motivate…and above The use of social media – regardless of Testimonials: theTestimonials: site – will go a long way in networking your way to success in business. Be I Ismart, be use common donot notuse usesensitive, theterm term“world “world do the sense, and yes, havebut FUN! class” very often but CarolMcMcclass” very often Carol Manusisiscertainly certainlythat. that.Three Three Manus minutesinto intoher herpresentation presentationatat minutes “I the hadExecutive the benefit of listening to oneI Women’s Network, the Executive Women’s Network, I ofknew Carol’s presentations hosted by thisperson personwas wasoffering offeringthe the knew this the Connecticut Real audience morethan thanaaEstate courseInvesaudience more course inin tors Association. Carol presented “SocialMedia Media101”. 101”.Carol’s Carol’s exten“Social extenher insights on social media. I will sive background andexperience experience sive background and take her recommendations seriously givesher herthe theopportunity opportunityto tohelp help gives and in high esteem. I say with great peopleunderstand understandthe thebusiness business people confidence that Carol is one of the partofofLinkedin, Linkedin,not notjust justthe themarmarpart finest in her field and in taking her ketingpart. part. keting advise your––business will see posiN.Sutton Sutton OneSmart Smart Mother N. One Mother tive results.” ~ Mary Griffith (Fairfield,CT) CT) (Fairfield, Home Services, Inc., CT amworking working throughyour yourpropro“I“Iam “Carol is one ofthrough those rare individugram[LinkedIn [LinkedInSystem Systemfor forSucSucgram als that understands the basics of cess]and andrealize realizejust justhow howmuch muchI I cess] marketing and business in general, needtotodo doininorder ordertotobe beeffective effective need and translates her knowledge into usingsocial socialmedia. media.My Myeyes eyes ininusing today’s social media landscape. She havebeen beenopened openedand andininjust just22 have is a natural teacher...one of those weekssince sinceI Istarted startedusing usingher her weeks ‘good’ teachers you remember in methodsI Inow nowhave have66people people methods life. She has the talent of making willmeet meetwith. with.Your Yoursystem systemisis I Iwill sense out of confusing concepts, takingLinkedIn LinkedInfrom froman aninterestinteresttaking and providing the pathway to apply ingplace placetotogo go onlinetotoaastep step ing those concepts online in a practical way bystep stepstrategy strategytotogetting gettingclosed closed by to win. I recommend her boot camp business.” business.” and individual instruction without DeLorenzo––NT NTFinancial Financial L.L.DeLorenzo reservation.” ~ Sal Provenzano (New York, NY) (New York, NY) Rand Insurance, Greenwich, CT Working withCarol Carol always a the Working with isisalways “Carol is without a doubt, one aof pleasure, She has an incredible pleasure, She and has an incredible most dynamic inspiring consulknack forhelping helpingmedia businesses knack businesses tants in for the social space.totoHer increasetheir their profitability increase profitability ininaabackoperational and marketing tough market. Carol brings her tough market. Carolwith brings ground combined herher social unique combination of expertise, uniqueexpertise combination of expertise, media helped our compainsight, andcare care helpbusiness business insight, and totoapply help ny understand and the tools owners, their managers, andtheir their owners, their managers, and necessary to compete in today’s onpeople to identify and implement people to and identify and implement line world reach our customers the changes thatthe thedifference differenceon on changes that inthe new and innovative ways.” the bottom-line. the bottom-line. ~ Barbara Cleary Herron SocialGrow K.K.Herron ––SocialGrow Barbara Cleary’s Realty Guild – (Boston, MA) (Boston, MA) New Canaan, CT
203-286-8760 203-286-8760 carol.mcmanus@ywait4success.com
carol.mcmanus@ywait4success.com
Fairfield County Woman
23
September/October 2011
Business To Business
Twitter for Business: 10 Tips to Get the Conversation Going simple.
2. Schedule Your Golden Tweets
By having knowledge about the latest and greatest tools and tips you will be ahead of the curve and you will be able to skyrocket your Twitter success.
Twitter traffic varies throughout the day, and throughout the week. The busiest time on Twitter is at the end of the work day, between 3-5pm. Weekdays are far busier than weekends, and Thursday and Friday are the busiest days of the week.
3. Use Your Twitter Tools
By: Cynthia Cavoto President, Marketing That Works For You
T
witter is becoming a popular social media site for business owners to connect with their customers. But is it working for them? Follow these 10 tips on Twitter and watch your conversations get started!
1. Reciprocity is Key Follow and be followed, Retweet and be retweeted, follow and be followed. You have got to give in order to get, and the more time you are willing to invest in others the more likely they are to give you the time of day. Reciprocity is a powerful thing and you have to give a little to get a little. Once your network grows to several thousand followers don’t let it get to your head, I try to respond to everyone who sends me a @mention. This is the key if you want to build a big brand and a strong network. You’ve got to talk to people to really connect with them, it’s just that
September/October 2011
My favorite is TweetAdder, but there are many that are awesome. From Hootsuite, to Manage Flitter, to Twitter Marketing Software, to TweetDeck, there are many choices to explore.
4. Be Choosey Some people recklessly autofollow people, and this I do not recommend, but it still happens and these robotic follows devalue the action following someone. To really get someone’s attention the best way is to talk to them, and listing is a powerful method as well.
5. Engage Discipline yourself to respond to everyone that talks to you. It does take effort by its very effective in building your influence.
6. Relationships Take Time Relationships are not instantaneous, the take communication and sharing over time. To build deeper relationships with people you meet on Twitter it might make sense to connect with them on Facebook as well.
7. Add Value This point has been key to my success on Twitter, and my
ability to achieve thousands of retweets. Even if you are not an avid content creator you can still add serious value by sharing awesome content.
8. Don’t Focus on Selling Everyone likes to buy things but no-one likes to be sold. Twitter is a place to build relationships, and if you focus on doing that people will click your links and look for products that you have to offer. Focus on the connections and the cash will flow.
9. You are Your Brand Resist the urge to use your profile picture as your avatar. You are your brand, so act respectable if you want respect. I tend to tweet about one tweet an hour, sometimes a little more, sometimes much less. Conversational tweets don’t count, as they are only seen by people who are following both people tweeting.
10. Remember that Twitter is Still a Baby Although Twitter is a household
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word at this point it is still only about 5 years old and it’s only been main stream for less than two. This means that there are still epic developments to come. By having knowledge about the latest and greatest tools and tips you will be ahead of the curve and you will be able to skyrocket your Twitter success. My final words of advice are these: building your brand through social media takes time and patience. It won’t happen overnight but it will happen. Just be consistent and genuine. And of course, have fun as you tweet! Social Media Strategist Cynthia Cavoto uses the public’s zeal for the internet – specifically social media websites – to help businesses promote their products and services. Cynthia Cavoto can be reached at Cynthia@mymarketingthatworksforyou.com or 203.414.5509. Visit www.mymarketingthatworksforyou.com to learn more.
Fairfield County Woman
Business To Business
Testimonials
Since I started working with the Publisher of the Woman’s thing have really began to change in my life. - Frank Sales I have received such recognition and popularity for my business since I place an article in Fairfield county Woman. - Linked in Lady, Carol McManus. Working with the Publisher of Fairfield county woman has brought new things to my business. - Matt Abourezk, photographer I got a call and they said I read your article. - Richard Sandor I have had customers from my article in Fairfield County Woman - Sergiana Bruno 011 une 2
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September/October 2011
Business To Business
Your content lacks keywords & tags Well-written, relevant and easy-to-understand content is extremely important. But the content itself isn’t worth much without the use of specific keywords. Keywords describe which topics are relevant to your website and what you believe you should be ranked for in search engines. You need to make sure you choose the right keyword phrases and insert keywords in all the right places on your website. Keywords must be placed in the first paragraph of your website’s transcript, as well as in the titles of any content you post on your blog or website. The more you use words related directly to your topic, the more highly your site will be ranked by, say, Google. But you must also be sure not to stuff your article with too many keywords. This may confuse search engines and make you look like a spammer.
Reasons You’re NOT Getting Ranked in Search Engines
You’re using the wrong keywords To find out if your site is optimized for the incorrect keywords, you will need to use Google Analytics. Once you are in your website’s Google Analytics report, click on “traffic source” and then “keywords.” You will see what types of keywords people are typing in to search engines to find your website. If the keywords don’t match up with what your site is about, it is important to hire an SEO specialist to get it fixed right away.
So, your website is up, running and ready for the world to see. But as the days, weeks and months go by, you learn that your webpage only receives a few visitors per day. You wonder, “How do my competitors attract hundreds, even thousands, of unique viewers each day? What am I doing wrong?”
If you get confused, you might want to think about hiring a professional to optimize your keyword placement for you. At Infinite Web Designs, we can offer you some peace of mind by doing the tricky parts for you.
You use Flash content
If you want your business to reach a significant amount of people on the web, it’s important that your company’s website show up in all the major search engines such as Google, Yahoo and Bing.
Flash websites are just that: flash-y. These kinds of sites may contain tons of impressive animations, and often include visual webpage introductions. This type of media may look stunning, but it can be very difficult and time consuming to load on your web browser. Another thing to consider: most websites that operate entirely on Flash don’t include the HTML tags that help people find your site in search engines. Flash websites usually have only one URL for the entire site, so they can be difficult to navigate.
Here’s what might be preventing you from climbing to the top of search engine rankings: September/October 2011
Despite what people may believe, flash websites are indeed a nono when it comes to generating lots of page views.
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Fairfield County Woman
Business To Business
You don’t have enough referring links on your website
You use Black Hat SEO Tactics.
In your regular blog posts, you should be including links to credible websites related to your content. There’s no need to be afraid of “exposing” your competition by including a link to their site. Actually, it’s great to exchange links with other websites by posting a link from one person’s website and asking that person to share your site URL on their site as well.
Black hat tactics are trick techniques used to cheat the search engine algorithms. Though some of these will help you get a quick jump in the beginning, you will eventually be punished. Search engines are programmed to catch you and you better believe that your site will take a hit and drop fast in the rankings.
In addition, by linking to well-known, popular websites such as Wikipedia, you will generate more traffic than you would if you linked a word in your post to a random site you found buried beneath hundreds of sites on Google after hours of searching. If you don’t have enough referring links on your website, don’t expect to be ranked very highly by search engines.
It’s important to be patient when optimizing your webpage for search engines. It takes time to get a good ranking on Google, Yahoo and the rest of the big search engines. It’s usually impossible for your website to immediately climb to the top of the ranks. Work with an SEO expert, give the hard work a few months, and reap the results of your persistence and patience!
You have a high bounce rate Bounce rates can tell you a lot about your website and how well it is doing. It can indicate that your website could use a little updating. For those of you who do not know what a bounce rate is, let me explain. A bounce rate is the percentage of people who go on your website, realize that it is not what they were looking for and then quickly “bounce” off. Most people can find their bounce rate using Google Analytics. If you have a high bounce rate it could mean a couple of things. First, it could mean that your website is optimized for the wrong keywords. If people search for “fishing hot spots” and instead end up at your seafood restaurant website, then you better believe they are not going to stay on your site very long.
By Amy DeLardi, Founder & Creative Director Infinite Web Designs, LLC
Another deterrent is your design and content. If your site does not have clear and user-friendly navigation, or if the layout of the page looks messy or out-dated, people are less likely to stick around. In addition, if the content you provide is not relevant and easy to read, people might jump off because they don’t want to waste their time.
203.307.5107 InfiniteWebDesigns.com
You recycle content used on someone else’s website Do not, under any circumstances, copy and paste another person’s content and publish it to your website or blog. Not only is this unethical (it’s plagiarism!), but it will get you bumped way down in the search engines because Google has a very strong plagiarism detector. Even if it’s a friend of yours who gave you permission to re-post the article from her website, it can get you knocked off the rankings. Search engines don’t know the difference.
Fairfield County Woman
Call IWD today to properly optimize your website for search engines! 27
September/October 2011
Business To Business
Partner with us. Fairfield County Woman is the perfect place to help you get the word out. Greyskye can show you many ways to
Fairfield County Woman is the area’s only paper dedicated to educating women.
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Greyskye® helps businesses with their branding 203-600-4999 FairfieldWoman.com and creative outreach, as they have for over 20 years. This includes print, web, video, packaging, Together we can be the combination you need to ® and, of course, virtual handshaking – social media. achieve substantial awareness and recognition in and around your community, and even help your For a FREE initial consult on educating 203-762-7800 BuildersOfBrands.com others about YOUR BUSINESS, call us in. business grow.
keep it there.
September/October 2011
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Fairfield County Woman
Photography
Photography
Darien, CT
Matthew C. Abourezk
PHOTOGRAPHY
Family Photographer
Family
I have been a photographer for more than 30 years but it wasn't until my first son was born (12 years ago) that I became interested in Family Photography. I have been an avid photographer of children ever since. I'm startled by how quickly the moments of my sons' childhood have flown by, and I'm grateful to have recorded their lives so meticulously. I shoot family keepsakes. Although formal portraits are important, I am not a fan of typical “smile for the camera!” photography. I love to capture the joy in children. When kids are having fun, magic happens… magic that you can’t plan, magic that you can’t control, and magic that you will never see when you tell a kid to “smile for the camera”. Visit the Family photo gallery in my online portfolio. Look for the Galleries at: www.talkingbox.tv
Look for Matt’s photo Galleries at:
www.talkingbox.tv Contact Matt ~ Ph (203) 249-7718 ~ Email: matt@talkingboxdmg.com
4 JANUARY/FEBRUARY Fairfield County Woman
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Fairfield County Woman September/October 2011
Your Money Your Business
Daniel R. Kaufman, CPA By: Daniel R. Kaufman, CPA Managing Member of Daniel R. Kaufman, CPA, LLC
T
I, and my firm, provide a wide array of services to a diverse client base, including real estate professionals, attorney’s, doctors and dentists, chiropractors, insurance agencies, and contractors. Computerized Accounting Systems I am fully expert in QuickBooks™ and Peachtree™ Accounting Software and can help you install, setup and configure your new computerized bookkeeping system. In fact, in 2007 I became a Certified QuickBooks Pro-Advisor Once we install your system. My firm can help you customize it to meet your specific needs and resolve any issues that arise in your day-to-day use of the system. Bookkeeping Services From periodic “write-up” services or “real-time” check writing and bookkeeping, I can take the worry out of running the accounting function or your small business. Today’s entrepreneur may not have the time or expertise to keep up with the minutiae of bookkeeping. Bank reconciliations, loans, credit
September/October 2011
ginning of the year? How did we utilize those resources? What do have left?
he main difference between a small family owned business and its regional, national, and international competitors is not only the size of the companies, the expertise of management or the drive of the owners, but the breadth and depth of the information available in the decision making process. In this modern economy, a oneperson “shop” can work globally. There are no more boundaries.
The purpose of an accounting system is not just the collection, collation, and regurgitation of data in order to prepare a tax return or financial statement. These are compliance issues and have very little value. The true purpose of an accounting system is to provide the information needed in order to make intelligent decisions regarding the resources and assets of a business.
The accounting department is the main provider of information to the business owner. The main drawback is that the information provided is historical in nature. What resources did we have at the be-
There are two main categories of data sets. We are familiar with financial metrics and the information provided by them. Operating expenses, cost of goods sold, current assets, long-term liabilities. These
cards, fixed assets, and depreciation schedules, you could spend a significant portion of your time making sure that the information you need to make financial decisions is in good order. When are you going to have time to do what you are good at, the reason you opened your business was not to be a bookkeeper.
cial statement to extend credit, or you may just want a periodic snap shot of how your business is doing. I can prepare financial statements for internal, management use only, or can provide a compilation, review, or audit, if those types of statements are called for as well.
Income taxes Individual, business, estate, and gift tax, I have over a decade of experience helping people and small business meet tax compliance obligations. However, taxes are not limited to April 15th. The real goal; is not just filing your taxes, but also making sure that you only pay your fair share. Planning is a year-round pursuit, and if it is done well, you can sleep easy on April 14th knowing that you only paid what you were supposed to, and not one penny more. Financial Statements There are many reasons to have financial statements prepared. You may need a loan from a bank, your vendors may require a finan-
Financial Analysis Financial statements are a useful tool for running your business, a financial statement provides information that is critical in the decision making process, however financial statements of all types have severe limitations, the only see the past. In order to see where your business is going, how it compares with its peer group, how effectively the business coverts sales into profits, consider a more in-depth analysis using both financial and non-financial metrics. Business Valuation Are you buying or selling a business? Are you taking on a new partner, or working with a financial planner to make sure your family’s needs are covered with life insurance? Consider the fact that your
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measures only tell half the story. The other data set needed to make intelligent decisions regarding your business are non-financial and change depending on your specific industry. A retail store might want to track overhead or sales by square foot. A professional services firm may need to know net income per billable hour. A restaurant should probably concern itself with revenue per seat or table. When we combine financial and non-financial data, we can begin to plan and take a proactive approach to solving problems before they arise. Until this point, your accounting system is only telling you what happened yesterday. It is not helping you dictate what will happen tomorrow.
small business is an asset that may have a substantial value. However, in most instances you cannot go to the Wall Street Journal and look up the stock price. How will you know if you are overpaying for the business you are buying, or if you have enough life insurance to cover your assets when you pass away? Consider having Daniel R. Kaufman, CPA prepare a business valuation so you know how much your business is worth.
Daniel R. Kaufman CPA, LLC d/b/a Sterling Tax & Financial Associates 871-E Newfield Street Middletown, Connecticut 06457
Phone 860-632-8780 Fax 860-632-8797 Daniel@drk-cpa.com www.drk-cpa.com Fairfield County Woman
Your Money Your Business
Connecticut Capital Access Program
Receives Federal Assistance businesses employing fewer than 100 people. Loan guarantees are flexible and can be used for all business purposes including working capital, lines of credit, acquisition of machinery and equipment, and real estate. URBANK requires no additional paperwork for the small business owner; URBANK guarantees are provided through the bank.
By John Lobon
T
he U.S. Department of the Treasury and Governor Dannel Malloy recently announced that Connecticut will receive $13.3 million for additional financial resources for small business owners. The Connecticut Development Authority’s Capital Access Program, also known as URBANK, will supplement these funds. If you own a small business and could benefit from some financial assistance, this new funding may be just what you need. URBANK provides access to capital for small businesses by offering a firstloss guarantee of 30% on small business loans up to $350,000. The program assists start-ups, early-stage, and small- or mid-sized
Fairfield County Woman
URBANK was introduced by the Connecticut Development Authority in 1993 to promote the creation and retention of inner city jobs in Connecticut’s major cities and to assist the economically distressed regions of Eastern Connecticut. Because it was so popular, the program was expanded to areas classified as “distressed municipalities” and “targeted investment communities”. Today, with 143,267 small businesses operating throughout the state, and through collaboration with banking partners, URBANK now provides guarantees on loans to small businesses located anywhere in Connecticut.
For complete details on the URBANK program, please visit the following web page: http://www.ctcda.com/Financing/Small_and_Early_ To determine eligibility for Stage_Business/URBANK/
banking partners will start the process and enhance the potential for loan approval.”
URBANK assistance, bankers and CDA require the fol- For a list of lending partners, visit: http://www.ctcda. lowing: com/Partners/default.asp t A company’s demonstrated ability to repay For any additional information, please contact your the loan. bank or John Lobon, Senior t Reasonable cash flow Vice President of URBANK projections. at the Connecticut Develt A reasonable personal opment Authority. John and business credit his- can be reached by email at tory. john.lobon@ctcda.com, or by phone at 860-258-7825. and t A one-time, non-refund- You can also log on to the able fee to participate in CDA website at www.ctcda. com for any remaining details. the program.
“It’s an easy access program for the small business owner,” said John Lobon, Senior Vice President of the URBANK program. “Just a quick call to any of our 31
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September/October 2011
Your Money Your Business
Financial Survival of a Divorce you familiarize yourself with each one so that you can make the best decision possible. Below are brief descriptions of several different options. I recommend that you conduct your own thorough research on each of these options as well.
By William Donaldson, CFP®, EA, CDFATM
E
ach year there are nearly 1 million divorces in the United States, or about 50% of all marriages1. The real tragedy, however, is the financial hardship that occurs to many individuals following their divorce. Too often, a divorcing individual unknowingly accepts an unfair settlement and finds that a few years later he or she is experiencing serious financial challenges. This outcome can be significantly improved upon, if not altogether avoided, if the individual first understands the most costly financial mistakes commonly made in divorce settlements. In this first in a series of three articles, I will summarize three common mistakes I often see. Each of them can be quite complex, so I strongly recommend consulting a professional prior to making a financial decision that will potentially affect the rest of your life.
Mistake #1: Choosing the Wrong Process Once an individual makes the difficult decision to initiate the divorce process, the very next decision that should be made is how to do it. There are several options available and it is imperative that
September/October 2011
The first and most basic divorce process is what the legal system calls pro se, which is a Latin term for self-representation. In this process, you do not hire lawyers or other divorce professionals to assist you. You and your spouse simply roll up your sleeves, sit down at the kitchen table and work out your agreement. When there are simple financial issues and no children, this can be a very cost effective method. It’s probably not the best way to go when there are complicated issues to address such as parenting plans and alimony. Next in line on the divorce process continuum is mediation. With mediation, you and your spouse select a trained divorce mediator to assist you by facilitating your own negotiations. You have the option of hiring one mediator to handle the entire process, or to use a team such as a family therapist to mediate the parenting plan, a financial professional to mediate the financial issues and an attorney to provide legal guidance and draft the final agreement. The mediator(s) is not an advocate for either of you. He or she may not give you direct recommendations, but instead answer questions and provide information that will assist you in determining the best solutions for your particular situation. Think of it as the kitchen table exercise described above, but with a professional sitting with you to help you through the challenging issues. For couples who feel comfortable sitting together and negotiating with each other, this is an excellent, low cost alternative to going it alone. Another benefit, like pro se, is staying out
of court and keeping your negotiations private. Similar to mediation, Collaborative Divorce is a way of divorcing without getting the court involved other than to bless the final agreement. This process also requires that you and your spouse work together to negotiate an agreement that considers both of your needs. The main difference is that you each hire an attorney to represent your individual interests and to give you legal advice along the way. Collaborative lawyers are specially trained in this process and have learned to throw down their battle axes and work together with their colleagues and clients to negotiate an agreement without going to court. In fact, you will sign an agreement that states that under no circumstances will your lawyers go to court with you to litigate if an agreement can’t be reached. This critical statement changes the negotiation environment for attorneys who can no longer just threaten to go to court. Their focus is one hundred percent on reaching an agreement and settling your case. No time is spent on court filings and trial preparation – saving you from both added stress and spending a lot of money! Another advantage of a Collaborative Divorce is that other professionals are often part of the process, similar to team mediation. For example, a family therapist, trained in this process as a coach, is an expert in parenting and communications issues. A coach is a valuable asset in helping to create optimum parenting plans and to keep both spouses communicating with each other, which can become quite difficult at times. The end result is often a couple who communicate better after the divorce than they did while married. Financial professionals are also commonly used in this process.
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Acting as a neutral, he or she will help both spouses to understand all of the financial issues pertaining to their situation, provide valuable tax advice, assist in putting budgets together, advise to potential pitfalls of dividing certain types of assets, create projections that help each spouse understand what their post-divorce future might look like, and more. To make the best decision for your future, you must have as much information as possible. Having a financial neutral involved will ensure that you do. The last stop in this process continuum is litigation. If your spouse refuses to use an alternative process, if you think your spouse is hiding assets, if he or she is abusive or over-powering, or if you simply feel that you need all of the protection available through the law and the courts, this process is probably best for you. However, beware that this is usually the most costly, stressful and contentious process there is. Legal battles can drag out for years, children often suffer significant emotional stress, and your assets can be severely drained by the time you reach an agreement. It is certainly possible to find two very good lawyers who have your best interests in mind and settle the case without all of the fallout as described above. But even with the best of intentions going into a litigated divorce, the process is designed to be adversarial and couples rarely emerge from it with good feelings toward each other. If you have children, you owe it to them to put their needs first and try to work things out with your spouse as amicably as possible. Do you want to be that divorced couple who can’t be invited to your child’s wedding because you and your ex can’t be in the same room together? Or would you prefer to be comfortable dancing with one another to honor the biggest event in your child’s life?
Fairfield County Woman
Your Money Your Business
9 Costly Mistakes You Must Avoid Mistake #2: Letting Emotions Drive Your Decisions
value. However, the challenge lies in cash flow. How will the party that keeps the home pay the bills if his or her major asset is illiquid?
This is easier said than done, as a divorce is one of the most emotional experiences you will ever have. I’m sure you’ve heard stories about a divorce where thousands of dollars were spent fighting over an item worth hundreds or even less. When a mental health professional is involved, such as with a Collaborative Divorce or mediation, these issues are headed off at the pass and don’t become such expensive arguments over nothing. Another downfall of litigation is that these emotional issues are often fueled by the adversarial nature of the process. Don’t let this happen to you and be sure that if you are feeling upset over a specific issue consult with a licensed, reputable therapist.
One can borrow against the equity of the home, but that’s costly (closing costs, interest etc.) and it takes time to close the loan. In worst-case scenarios, the home must be sold, a smaller home is purchased and the remaining equity is utilized for living expenses. If your proposed financial settle-
ment has very little liquidity, be sure that you will have enough cash flow throughout the years to handle your living expenses. If not, you may have to consider selling the home, other assets or significantly decrease your expenses in order to meet your budgetary needs. In the next issue of this magazine, I will cover three more mistakes to avoid: not understanding the impact of taxes; not understand-
In many cases, the two biggest assets are the home and retirement accounts. If these are split equally in a settlement, one party may receive an illiquid asset (the home) while the other party receives a liquid asset (the retirement plan). What is the potential problem with this type of settlement? On the surface, this scenario may appear to be equitable assuming that the home and retirement plan are of approximately the same
Fairfield County Woman
In the meantime, if you or someone you know is contemplating or going through a divorce, or if you are simply looking for some solid financial advice, please contact me at 203-557-0890 ext. 300 or at bill@thevistacomapnies.com 2009 Centers for Disease Control and Prevention 1
Mistake #3: Not Understanding the Liquidity of Your Assets Liquidity refers to the ability to access the cash value of an asset. For example, a bank savings account is highly liquid, because you can simply withdraw funds from an ATM when you need them. An antique automobile, however, is nearly illiquid because it is very difficult to quickly sell this asset to access the actual cash value.
ing the rules of dividing retirement accounts; and not properly dealing with debt and credit issues.
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September/October 2011
Finance Fitness
Money Tips For Young People Presented by Fairfield county Women 
lessons for an aspiring podcaster, how-to books for those with potentially lucrative hobbies, and Written by Kimberly Palmer a new wardrobe for office workers who need to impress the hen you start earning a higher-ups. Even hiring a maid steady income for the service is an investment in your first time, it’s easy to future if you use the extra time it spend too much on luxuries or creates to work on your writing to take on debt. But it’s also the or website. best time to set yourself on the path toward wealth. These tips, Cultivate your most based on the book Generation ambitious dreams. The Earn: The Young Professional’s primary reason many people Guide to Spending, Investing, don’t reach their long-term finanand Giving Back, will help you cial goals is that they fail to ever spend smarter, save more, and articulate—even to themselves— even give back to the causes you what those goals are. Do you want to quit your day job and believe in. knit full-time? Or open the next Save one-third of big cupcake shop? Or star on your income . Putting $1 your own reality television show? out of every $3 you earn into the If you’re having trouble putting bank might sound like a lot, and your finger on it, ask the people it is. At some times in your life, who know you best. Brainstormsuch as shortly after graduation ing with your significant other, or upon the birth of a child, when family members, and friends your budget is strained to capac- can help shake loose your own ity, it’s impossible. But at some thoughts. point, it will become not only Pay off all but your possible but essential to creating stability in your financial life. cheapest student loans That’s because significant sav- early. Student loans that carry ings are the only way to weath- a 5 or 6 percent interest rate (or er the inevitable tough periods, higher) are costing you much such as layoffs, as well as move more than your savings can earn toward longer-term dreams, such in this current low-interest rate as starting our own business. environment. That means paying Yes, saving such a big chunk of off a chunk of your student loans money each month means sac- will immediately start saving you rificing some comforts and indul- more money than you could if gences in the short term, but it’s you continue to make those slow the only way to get closer to that and steady monthly payments. ultimate goal of financial security. Of course, not everyone has the cash to pay off a large portion of Don’t scrimp on ca- their loans, and it will probably reer-related invest- take five-plus years after graduaments. There’s one area where tion to get to the point when you it’s okay to be a spendaholic, and can even consider it. But once that’s when it comes to investing you have a healthy bank account, in your future earning power. The don’t wait too long to start paycategory includes not only edu- ing off big chunks of those more cation expenses, but also voice expensive student loans.
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September/October 2011
Don’t wait to invest until you have “extra money.” Waiting to start a
money. A similar lesson applies to giving to charitable donations: Use Charity Navigator to check retirement account until you feel the background of your chosen like you can afford it might mean organization before donating any that you can never retire. Don’t money to make sure it’s going to wait to open up a 401(k) account use the money the way you want if your employer offers it, even if it to. For more inforation please you start by contributing just 2 call 877 812 8693. percent of your salary. Soon, you can raise that percentage to 4 percent, and eventually to 10 percent or higher. For extra motivation, plug your numbers into a retirement calculator on bankrate. com, and see how much you need to fund your golden years— it’s probably much more than $1 million.
Give back—on your own terms. Companies
know that we want to make a difference in the world, and they want to profit off of that desire. That’s why so many of them are cashing in on the $600 billion plus “green” industry by claiming to be environmentally friendly when they’re not. It’s so common that it has a name: “greenwashing.” Don’t be fooled by all-natural labeling; investigate why the company is claiming to be good for the earth before spending your
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Fairfield County Woman
Career & Self Development
Are You Ready For a Love Affair? terestingly the more you learned, position. If the attraction grows, the more you found there were they call you in for an interview. similarities…..and the attraction There, at that face-to-face engrew.
By Angela I. Schutz
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o, your eyes are not playing tricks on you! And yes, you are reading a career column, but come on a romantic journey with me and discover why finding a new job is like having a new love affair!
Do you remember how you felt when you met someone who really interested you?
Over time, that attraction turned to excitement and then to love. You wanted to spend lots of time with them. They got you. They loved who you are, and more importantly, they wanted you! The love affair began…
If the attraction grows, they call you in for an interview.
What if, for just a moment, you could transfer all of those feelings of having someone attracted to you, getting who you are, wanting you, and loving you to the job search? How would that make you feel?
counter the connection is made, but only if the chemistry is right! You size them up to see if you like them….is there a fit? Are you as attracted to them, to what they stand for and what they offer as they are to you?
Finding a new job is a challenge, and your attitude about the process can be positive or negative. The choice is ALWAYS yours. If you think about the process in a more positive way, chances are that your positive attitude will come through in everything you do and say.
This process (the courtship) may continue for a while. You may have to go on many interviews (dates) before they pop the question! Suddenly, there is a rush of excitement when you realize that they not only get you, but they want you! They are actually excited about who you are, what you do and the potential of having you in their life for a long time. Your excitement starts to match theirs as you realize that they are the One!
So, how is the job search in any way like a new love affair?
cited to be feeling loved again, to be able to express who you are, to be on a path where you will be noticed and appreciated that you completely forget all the pain that accompanied the job search and you will be on Cloud 9 with all the others in the world who are feeling the love associated with being wanted!
Don’t fall prey to the knee-jerk reaction to taking the first job you are offered. Stay on your path because that perfect job is out there. Don’t fall prey to the knee-jerk reaction to taking the first job you are offered. Look for that job that you will love for a long time to come. Do your research and remember that an interview is an opportunity to assess the fit between you and the organization and the organization and you. Keep it an interactive process.
When you start looking for a job you scan the job boards and Here’s hoping that the company websites to find new You say: ”yes”! ….and in two next job will be a love Do you remember how you felt job postings. When you find weeks you report to work and the affair to remember! when you met someone who re- something of interest, you look love affair begins. You are so exand look again to see if you have ally interested you? You looked at them and to your surprise, you the abilities, skills and knowledge Angela Schutz is the Managing Director/ took another look and another to do that job, and if you do, you apply. Founder of Driven to Succeed Consulting look and even another! There was something different about LLC, an organization that offers career and this person. Something deeper executive coaching services, dream coaching, If the company is and more interesting….somesuccess empowerment workshops and thing you wanted to explore attracted to you, professional speaking services. Driven to more deeply. You couldn’t really Succeed Consulting LLC combines state-ofput your finger on it at first, but they call you. the-art career services with effective personal you were clearly drawn to them. growth techniques to help clients reclaim their Even though you did not know If the company is attracted to confidence and land their next job quickly. much about them, you felt an at- you, they call you. They assess traction, so you started on a path the similarities between your www.driventosucceed.net 203-349-5421 to explore things further, and in- skills and those needed for the
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September/October 2011
Not Just Another Meeting Place
September/October 2011
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Fairfield County Woman
Radio Talk Show
IDs OUT OF CONTROL!
quickly and quietly.
Nowadays, the Anthony Wieners and John Edwards of the world do not disappear. Rather, they cling to their public offices with a combination of bravado and defiance. They ask us – “What did I do that was so wrong that I should leave office? I didn’t break any laws, therefore I don’t need to resign. “ It’s the kind of statement that reminds me of the old mottoBy Lisa Wexler if you even have to ask, you’ll never understand the answer. nthony Wiener’s revela- But Sigmond Freud had a clue. tions of his sexual promiscuity, sexting and Freud divides the human perinfidelity are merely the latest sonality into three parts- the id, in a slew of mea culpas we’ve the ego and the superego. Our had to witness from senior impulses reside in the id. Lust public officials recently. Arnold has a really good time there. Schwarzenegger slept with the So does greed, jealousy, and family housekeeper right under thirst for power. The ego has Maria’s nose. For how many an awareness that the id exists, years? This indiscretion pro- but tries to keep it under conduced a child, the ultimate veri- trol. When the ego fails to do fiable evidence of his behav- so, the superego is the part that ior. Place Schwarzenegger on becomes embarrassed when the list with John Edwards, the the whole neighborhood finds almost Democratic presiden- out. Looking at these latest tial nominee who did the exact stories, I think we can all agree same thing, only this time while that the ids are out of control. his wife Elizabeth was battling Or rather, the ids are IN conterminal cancer. And let’s not trol. The id impulses are so forget Bill Clinton, famous for strong, so overwhelming, that both his own contortions of the they have knocked out the suEnglish language to cover up perego. Public apologies nothis sexual behavior (it depends withstanding, does anyone sewhat you mean by “is” ) and for riously believe that any of these unforgettably besmirching our politicians were sorry for their White House oval office. Sex- behavior? Sorry? Yes. But only ual shenanigans with politi- sorry they got caught. cians go back as far as politics itself, way past our collective California is debating passing memory. My first memory was a law that will expel students of Wilbur Mills, Chairman of who are caught sexting. That the powerful House Ways and seems a bit excessive to me. Means Committee, who was If anyone ought to be afforded seen in DC cavorting publicly some leniency in this area, it with stripper Fanne Fox. Once should be adolescents, with discovered, at least he had raging hormones and devices the good sense to disappear, too closely attached to their
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Fairfield County Woman
fingertips. They don’t call it a “crackberry” for nothing. But the theory behind the punishment for teens is that we, as a society, want to discourage this kind of behavior. Yet Anthony Wiener, an adult holding public office, is not threatened with expulsion from Congress. There are literally no pubic consequences for his behavior. Our society is treating the kids as if they were adults and the adults as if they were kids. No wonder we are in trouble. In fact, as of this writing, Wiener is hoping to wait out the storm, praying that the headlines will turn to another topic of interest, something that he himself deemed “more important” when he first denied these allegations. Something like the budget deficit. Good luck, Congressman.
strange women and porn stars. No one wants a Congressman who texted both one picture of his bulging crotch in underwear and another of his private parts completely exposed. No one.
2.
When initially accused, you lied about it. In fact, you urged others who were affected by your behavior to retain PR people to help them lie about it too. Understandable perhaps, but an unacceptable violation of public office. You are no longer trustworthy.
3.
Your self-admitted addiction to this behavior shows an appalling lack of judgment. You opened yourself to intimidation and blackmail. How do we know if you weren’t already threatened and used your public office to minimize the threat? I must admit that I have dis- How would we know? liked Congressman Wiener ever since he showed his political Your effectiveness as a hypocrisy. Wiener was one of legislator for your district the strongest proponents of has been irretrievably tarnished. President Obama’s health care No one in Congress will make a plan, arguing that this plan deal with you. No one will want would be the best thing since to go near you for quite some sliced bread for everyone in the time. How does that serve your country. Yet after Obamacare constituents? was passed, Wiener personally sought a waiver for his home Your lack of humility and your district of New York City. May arrogance may have made you I have a waiver too, Congress- an ideal candidate for some, but man? I don’t think the plan is in this crisis those qualities only right for me either. serve to confirm our opinion of you as someone who is inFor the record, Congressman capable of seeing anything exWiener, here are four reasons you ought to have resigned cept your own indispensability. on the first day this scandal Guess what Congressman? Not only are you far from indispenserupted: able, you are taking the place of Your behavior is not con- some other person who would sistent with the dignity of serve your district with honor a Congressman of these great and integrity. Step aside, Mr. United States of America. No Id. It’s time for someone with a one wants a Congressman who healthy personality to take your texted vulgar obscenities with place.
4.
1.
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September/October 2011
Organizing
Purging the Past to Make Room for the Present and Future Steven Brillon Professional Organizer
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e build memories all of our lives. With these memories, and as part of daily life, we accumulate a lot of material possessions that may not be so easy to part with or that we just don’t know what to do with after their usefulness has worn out. Some things are easier to let go of than others, but knowing that your possessions can be transformed by donation might make you feel better about the purge. Letting go also paves the way to more things for us to buy and… purge in the future. All you need is a starting point. In today’s world the electronics junkyard growing in our homes, all over the world, is where we most need a little more knowl-
edge. If we don’t know what to do with things then we just hold on to them or throw them in the trash, neither option helps us or the environment. In July of 2007 an e-waste recycling law was enacted by the state of Connecticut and as a result of booming technologies many familiar chain electronic stores have implemented recycling programs for the general consumer that makes things a little easier to manage when considering how to discard items in our growing electronics junkyard. Old cell phones can go back to your carriers for refurbishment or for parts. Old ink cartridges can be recycled at most office supply stores, sometimes for rewards toward your next ink cartridge purchase. At Office Depot you can purchase an electronics recycling box for $5, $10 or $15 and fill it with your old electronics and bring it into a local store
(check store details for acceptable items). Best Buy’s recycle program allows you to bring in your old electronics for free or low cost recycling. Their policy in Connecticut allows you to recycle three items per household per day. Some larger items may require a small fee. Visit the Best Buy’s website for recycle policies before making your donation. Staples also has a recycle policy which allows you to bring in your old electronic waste for recycling at little or no cost. Don’t forget about your local schools which might benefit from your donation of electronics. These are just a few recycle options that you may not have been aware of. Parting with our outdated wardrobe is a somewhat easier task as we’ve been doing it a lot longer than we’ve been recycling computers and cell phones. Eventually even the most cherished articles of clothing become
worn, shrink and simply no longer compliment us in the way our bodies have changed over time. Let go of those clothes that no longer fit or flatter and donate to a local women’s shelter or crisis center, thrift store, Salvation Army, Goodwill or church. Some of these organizations will even pick up your donations from your doorstep. When you purge a couple of those old outfits, remember that you get to shop for new outfits to look great in. With a little know-how on what to do with our material possessions who are past their usefulness we can clear some of the clutter from our lives. The greater importance of this purging is that when we clear some of the physical clutter in our lives it helps us clear some of the clutter and confusion in our thoughts and gives us a sense of control and order that can be reflected in other avenues of our being.
For more help finding out where you might donate some of your outdated material possessions check out the Connecticut Recycling Center’s Directory at http://connecticut.uscity.net/Recycling_Centers/ or call Steven at 646-327-6645 September/October 2011
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Fairfield County Woman
Home & Garden Old World Touch for New World Treasures
Nadia Louyer de Villermay of NLdeV Restoration
“A globe trotter for a good part of my life, I grew to appreciate the roles of our environment, traditions, and cultural patrimony,” says Nadia. “Today, I bring continents a little closer together by using Old World techniques to preserve the New adia Louyer de Viller- World’s heritage.” may, owner of NLdeV Retoration, brings her Nadia works exclusively traditional style and French with wood, follows her trainaccent to the furniture-fasci- ing strictly, making her own nated residents of Westport. materials and only using the techniques that were in use “My workshop is dedicat- at the time the piece was ed to the conservation and originally created. “My unrestoration of furniture and derstanding of the restorer’s gilded objects,” says Nadia. ethic informs my approach Trained in her craft in Paris to my craft. I believe that at the Institut National des any intervention must be Formations Artistiques, de guided by reflection, sensiVillermay apprenticed in Pa- bility and absolute respect risian restoration “ateliers”, for the piece of art. But the which once turned out some personality of an object deof the finest furniture of Eu- velops through time, and rope to fill the halls of Ver- these developments must be respected, not erased.” sailles and the Louvre.
Abstract from the article written by Ryan Doran in the Fairfield County Business Journal on september 29, 2008 entitled “ In restoration, ‘les’ is more - Old World Touch for New World Treasures”
shop focuses on custom furniture and cabinet restoration and refinishing, frame, furniture and wall gilding, inlay and marquetery, and work- desk leather replacement.
possible the past interventions that serve to itentify the period and personal history of the piece. Nadia’s
restoration
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She has been honored with the Deb Ziegler award for Entrepreneurial Excellence from the Stamford Woman’s Business Development Center.
Fairfield County Woman
According to Nadia, a furniture restorer must be discrete in execution, involving no irreversible restauration, while preserving as much as
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Nadia Louyer de Villermay NLdeV Restoration 68 Long Lots Rd. Westport, CT 06880 203 247 9711 nadia@ndevrestoration.com www.nldevrestoration.com September/October 2011
Thinking Out Loud
I
tered… yes, am I self involved… yes, but doesn’t it make sense for a person’s favorite subject to be themselves? I am, after all, the subject I know most about. Bygones people, what I’m saying is that I learned a long time ago that if you aren’t your favorite thing in the world then every single bad thing anyone has to say to you about you will worm it’s way through your ears into your brain and sit in your subconscious affecting your every move in life. That just sounds gross, I mean who wants to live Then again maybe you suck, a double, triple sometimes quamaybe you’re a terrible heartless druple life because they are so person with no friends and a affected by what people think. miserable personality, but on the off chance that you’re just a reg- I’ve been on this self love kick ular human being who fears that lately, I suppose that’s cause people might not like the real you I work in a business where the I’d like to offer this piece of ad- majority of people are so willing vice, grow up! Okay maybe that to through their hate your way, was a little harsh, what I meant regardless consider the love you to say was who cares if other have for yourself as a shield propeople don’t like you the real is- tecting you from all the negasue is you not liking you, what’s tivity that might just be thrown the deal with that? You need to your way. You wouldn’t head realize your own awesomeness. into a fight without being propNow, you may be sitting there erly armed would you? Well then thinking to yourself “but I’m not put on your armor and let all that awesome” well I’m here to help negative garbage deflect of your you accept the fact that you love shield and smack those are. Everyone in the world has judgmental losers in their faces, their own type and level of awe- What? Too harsh? someness you just have to figure Feel free to email me at yours out and live in it. I love enginabrillon@gmail.com tertaining, I love being the center of attention so where ever I am I or visit my website at make that happen, is it self cenwww.ginabrillon.com f you don’t love you, nobody else will, kind of common sense advice but too often people forget that. Do you even know the real you? Does anyone know the real you? Or do you spend so much time hiding who you really are to impress the people you’re around that when the real you shows up those people have no idea who this new person is; when the new person is actually the same old you. Living your life not liking who you are is really, truly, unbelievably lame.
By Gina Brillon
The Importance Of Being Ernest… Or Whoever You Are
Gina Brillon
comed ian s ac tor s wr iter www.ginabrillon.com
Who’s that girl? That’s the question on everyone’s mind lately when rising star Gina Brillon hits the stage. Gina is one of the funniest New Faces of the Latino and mainstream comedy scene. Starting when she was only 18 yrs old, she blew the crowd away with her very first performance at Stand-UP NY. It was only up hill from there, she would go on to grace the stages of The Comic Strip, Boston Comedy Club, and Caroline’s. Her comedy is the perfect blend of personal experiences, growing up racially mixed (Puerto Rican, Italian, American), and Sex Therapy (Brillon studied Sex Therapy before and during her stand-up career). Watching her on stage, you can really see that she loves her job. She has been featured in Comedy Centrals “New Faces of Comedy” and on Si TV’s “Funny is Funny” Brillon was also featured in a full-page article in the “Viva New York” section of the Daily News. Already a published poet, Gina Plans on writing feature films, shorts, and a sitcom based on her stand-up. Not only a regular at clubs around NYC, she’s also known on the web, www.livetheatregang.com raves that Gina “reminded us that Whoopi Goldberg was not the last funny female to hit the NYC comedy scene.”