Business Woman January 2016

January 2016

State Representative Mauree Gingrich Recorder of Deeds Tammy Shearer State Senator Pat Vance Jumping into the Race

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4 LETTER FROM THE EDITOR 8 5 STRATEGIES TO PUT WOMEN ON TOP

The keys to building female bench strength.

10 FROM FULL TIME TO FLEXTIME

How to negotiate an alternative work arrangement.

13 4 CRITICAL SYSTEMS FOR NEW BUSINESSES LIFT your business to success.

14 STARTING A BUSINESS?

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5 cover story The path for getting into the political arena was different for each of our cover women. Although their careers prior to working in government were vastly different, the underlying reason for becoming involved was the same: the need to help their fellow citizens and to make a difference within their communities and beyond Cover photo courtesy of Camera Box Professional Photography.

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January 2016

Note

Vol. 13 - No. 1

PRESIDENT AND PUBLISHER

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EDITORIAL

new year means new beginnings. A time to hit popular, but is it right for every position? Not necessarily. the reset button. A chance to reevaluate our goals Learn how to present a plan that is fair to your employer while achieving your goals. You’re more likely to get your and create a new plan for implementation.

How many of your New Year’s resolutions were you still company’s approval, or at least a trial period.

The number of women-owned firms has grown working on at the end of 2015? Find out why we often fail 68 percent since 2007, compared and what to do for a better outcome with 47 percent for all businesses. But in 2016. every business must have a strong We have some exceptional women foundation. A local attorney offers on the cover. After speaking with You can only become truly some strong tips on how you can each of them, I truly got the vibe accomplished at something you build the groundwork and LIFT your that they are committed to helping fellow Pennsylvanians. Character is love. Don’t make money your business to success.

Wishing you the best in your always important, especially for those goal. Instead, pursue the things career and personal life throughout holding positions in government, you love doing, and then do the coming year. whether male or female. But women do bring a different perspective to them so well that people can’t many discussions, so it’s important take their eyes off you. that more of us get involved. Read how each of these women got her ~ Maya Angelou start.

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Story

CAREER

COVER

Jumping into the Race

By LYNDA HUDZICK

I

Tammy Shearer Cumberland County Recorder of Deeds

t may be the year 2016, yet even now, the political arena is still primarily dominated by men. But that’s something that three dynamic local women are working hard to change because they believe that the skills and talents women can bring to the table can have a hugely positive effect on our state and local governments.

“If a woman is interested in politics, she should start paying attention to issues,” Cumberland County Recorder of Deeds Tammy Shearer said.

“Especially issues that affect her, her family, and community.”

Shearer, who is married and currently resides in Hampden Township, where she and her husband own their own professional

Mauree Gingrich State Representative

photography business, Camera Box, recalls that her enjoyment of working within local government really began in the sixth grade.

“I always felt it was important for me to keep on top of issues that affected me and the student body … This perspective still applies to me today.

I never dreamed of being president of the United States—community awareness and involvement has always been my key focus.”

Upon her move to Cumberland County, Shearer met State Rep. Hal Mowery, whose respect for those he served impressed her greatly. She also credits now State Sen. Pat Vance as a positive influence on her political career.

“Pat Vance won the representative

Pat Vance State Senator

seat vacated by Hal, and she has become a mentor to me since that time,” Shearer said.

Early in her political career, Shearer said she managed some local political campaigns and, in the course of doing so, learned more about local government and the political process.

“I soon realized that I have the personal interest in our community and its system of government, the strong work ethic and acumen of a small-business owner, and the genuine respect for others that is needed in public service.”

So in 2013, she decided the time was right to run for a county row office.

Shearer has always been actively involved in community organizations as a volunteer and also as a leader.

“My interest in seeking a fulltime role in the local political arena was nurtured not only through my involvement in local campaigns, but also through the leadership roles and experiences that I embraced within these community organizations,” Shearer said.

One of her proudest accom­ plishments in the Recorder’s Office, she said, is due to the daily efforts of her current staff.

“I restructured job responsibilities that resulted in the elimination of two fulltime positions that became vacant through attrition. This act has saved taxpayers over $121,000 in just one year.”

She truly enjoys her work and is quick to share her pride in being a

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part of “this large group of exceptional people,” she said.

“Our Cumberland County employees have definitely been ‘undersold’ to the public … they are caring, quality people that work hard every day to protect and improve life for the people in our community,” Shearer asserted.

For State Rep. Mauree Gingrich, the journey to her current position within the political arena was evolutionary.

With a deep interest in the issues facing her community, this Palmyra resident and mother of four recalls always being involved in community leadership positions, typically focusing on what her children were involved with as they were growing up and especially on the issues faced by her and other families in her community.

“Back in the ’80s when it became so evident that drugs were playing a big role in our high schools, I really became aware that this was going to be a problem,” she said.

And because she cared about and wanted to help foster a healthy and productive community, Gingrich became involved with an organization made up primarily of parents whose focus was “on drugs and what we could do to control or manage what was going on related to drugs.”

Because of her interest in that organization, she became involved in what law enforcement in her community was doing to address the issue.

“We had a police chief who was great with the kids, but some kind of controversy developed and there was talk about him leaving our area—I didn’t want that to happen, so I thought, ‘What can I do to help in this situation?’”

What she did was not only attend a borough council meeting, but also become an active participant.

“I had a lot of questions, but I presented them in a respectful manner and I was well received,” Gingrich said. “I became fascinated by what was actually happening in our local government and found it so interesting, I just kept going to meetings.”

When a spot on the Civil Service Commission became available, Gingrich’s name was suggested as a replacement. After consulting with and receiving the support of her family, she

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decided she wanted to serve.

“While not an elected position, it was a good fit for me,” she said. “I accepted that appointment, and then when a member of the borough council passed and his seat became available, and after once again discussing it with my family, I took that step. In fact, my husband said at the time that he couldn’t think of anyone he’d like more making tax decisions than me.”

Gingrich can’t say enough about how important local government is to the success of a community and as a stepping stone for women interested in a political career.

“It all starts in local government, where you put your garbage out, so to speak—that’s vital,” said Gingrich.

“I mentor a lot of young women and

asking me if it was something I would consider,” she said.

But was it the right time?

“Typically, even when women think we’re confident, we’re not; we can always find a reason [to think] that it’s not the right time, we’re not ready, it’s not the right place … and that can hold us back.”

As part of her decision-making process, Gingrich decided she needed to talk to a woman who had done the job, so she contacted Vance.

“We arranged a sit-down to discuss the job, woman to woman—but ironically, our meeting was scheduled for Sept. 11, 2001,” said Gingrich.

As the events of that morning unfolded, Vance still agreed to meet with Gingrich, even though she had

“”

Typically, even when women think we’re confident, we’re not; we can always find a reason [to think] that it’s not the right time, we’re not ready, it’s not the right place … and that can hold us back.

try to stimulate an interest in public service. I encourage them to look at commissions, task forces—all the things vital to where you live. It’s a part of you, your life, your family, and your local business economy.”

Having successfully served for 12 years in that position, and seeing her networking opportunities and experiences grow by leaps and bounds, Gingrich discovered that when a seat opened up in the State House of Representatives, vacated by her predecessor who was also a great encouragement to her, she was interested in running.

“Lots of people encouraged me,

~ January 2016 | BUSINESSWoman

been evacuated from the capital building and had to meet elsewhere.

“She said, ‘Let’s do it; I don’t know when we can meet again after what has happened,’” Gingrich said. “She was wonderful. She told me the absolute truth about the job from a female perspective.

“I got the answers I needed from her, and because it was such an eventful date for our country, I felt like it was a message, that I had to make the decision to run for myself, for my state and for my country. It was all the confirmation I needed.”

Gingrich has been in office now for 14 years and said that overall it’s been

a very positive experience working as a woman in state government.

“Because of my professional experiences and the fact that I wasn’t a younger woman just starting out when I was elected, I think I was able to build credibility more quickly than younger women perhaps,” she said.

“And although I’ve seen it improve during my years in office, stereotypes do live on.

“But the younger male representatives coming in do behave differently; they don’t pat you on the head like some of the good old boys.

They really listen to what you have to say and don’t dismiss you.”

On the whole, Gingrich is pleased with what she’s been able to accomplish so far.

“I’ve had 15 bills signed into law,” she said. “Women in politics is important because you have to be able to build fences, to coalesce people, and women do that very well. The main thing is that you have to be able to take off one hat, set it down, and put on another hat and deal then with that issue exclusively.

You have to be able to juggle—women are equipped to do that.”

Sen. Pat Vance has always been interested in local politics, especially issues that directly impact the community. Vance, a Harrisburg native, married mother of one and grandmother of three, and nurse by trade, recalls how she got involved in politics.

“We bought an old farmhouse, and so I was spending some time in the deeds office in connection with that,” Vance recalled. “Plus, I was already volunteering in the community at the time. I found out that the gentleman who was working as recorder of deeds wasn’t going to run again. Since it was something I found interesting, I thought I’d give it a try.”

She ran for the recorder of deeds and was successful, becoming the first woman ever to be elected to the position.

(Coincidentally, Shearer was the second woman to hold the position.)

“I liked the job, so when the sitting House member left, I thought I might enjoy that as well,” said Vance. “So I decided to run.”

She was successfully elected to the Pennsylvania House of Representatives and in 2005 was elected to the Pennsylvania State Senate. Of course,

noted Vance.

But Vance prides herself on being a straight-talker and prefers those kinds of interactions.

“I don’t like people who posture or tell you whatever you want to hear,” she said. “The best compliment I get is when people say, ‘I don’t always agree with you, but I know you’re going to tell me the truth.’ The reputations of some state workers have suffered because of posturing—people deserve an honest answer.”

Although she is rarely home more than one or two nights a week, Vance genuinely likes her job.

“I’m never bored, and just when I think I’ve heard of everything, I hear of something new,” she said. “You never know what’s going to happen—you have to be willing to learn something new every day.”

Since becoming a senator, Vance has authored 25 laws (and authored 18 laws while serving the House), but she’s quick to give credit to her staff for assisting in those successes.

“I have a tremendous staff; some of

them came with me from the House,” she said. “I know their abilities and understand how we can work together successfully.”

One accomplishment in particular stands out for Vance as something she’s extremely proud of.

“When I was in the House, a young woman came to see me who had been battered by her husband,” she said. “She had documentation from her doctor, had a child, had left her husband, and had applied for insurance—and was turned down by the then three largest insurance companies. They said, ‘We won’t insure you because you’re a victim of domestic violence.’”

Vance knew something had to be done, so she worked with the speaker of the House, who agreed a change needed to be made and agreed to meet with and try to convince the chairman of the insurance companies to do so.

“I knew we needed to expose the issue to the public, so I went up to the newsroom and asked them to please cover this meeting,” Vance said. “I honestly believed that with cameras

there, they couldn’t possibly vote no.”

It worked, and as was discovered later, there had been more than 100 insurance companies in Pennsylvania that were using domestic violence as an underwriting clause to not insure women.

“That no longer happens,” Vance said.

Currently, Pennsylvania ranks 45th when it comes to the number of women in state government.

“That’s no compliment,” Vance said.

And that makes her work as a mentor for other women entering the political arena, including State Rep. Mauree Gingrich and Cumberland County Recorder of Deeds Tammy Shearer, even more important.

“Once you establish a reputation of getting things done, and you gain a good knowledge about issues, it gets easier,” she said. “You have to prove yourself and work a little harder— sometimes it seems like they’re waiting to see if you fall. So you work twice as hard to prove that’s not going to be the case.”

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CAREER

working in the House and now the Senate is very different from her start as recorder of deeds.

“It was very hard to be controversial as a recorder of deeds. But every vote you make as a senator, someone likes and someone doesn’t like what you do,” she said. “It’s important to do your homework, listen to the people you represent, and do what you believe to be the right thing.”

As a woman working in a primarily male-dominated arena, Vance explained that she has never wanted “special opportunities for women, just equal. My main focus tends to be on healthcare issues, because I think we tend to go back to what we did in a former life. Even before I was involved in politics, I was interested in healthcare issues.”

Vance makes every effort to meet with those she represents and enjoys getting out in the community, interacting with her constituents.

“I read all the emails I get, and anyone can make an appointment with me and I’ll be glad to speak with them,”

career

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Strategies to Put Women on Top

The keys to building female bench strength

By MERIDITH ELLIOTT POWELL

W

e have all heard the statistics: those companies that have more women in leadership positions and on their board of directors outperform those that have fewer or none— outperform in terms of return on sales (42 percent higher) and return on equity (53 percent).

In addition, the economic power of women is on the rise; women make more than 80 percent of the buying decisions, and in today’s economy women are rapidly replacing men as major income earners and breadwinners in their families.

With statistics like those, you can understand why companies and industries are working hard to become more female friendly. Yet with all the information out there on why they need to do it, what they need to do, and how they need to implement it, you would think their results would be far better than they are.

In today’s business world, according to a study done by the Center for American Progress, women hold 52 percent of all professional-level jobs, yet they represent just 14.6 percent of executive officers, 8.1 percent of top earners, and 4.6 percent of Fortune 500 CEOs. In addition, we hold just 16.9 percent of Fortune 500 board seats.

When it comes to why companies and leaders want to promote and develop women, their words are not matching their results. You need to change your strategy if you want to change your result.

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~ January 2016 | BUSINESSWoman

Ask Why – Don’t ask why you are being told you need to do it, but why as a company or as a business owner you want to be more female friendly.

Why do you want to attract, retain, and develop female leaders, and why do you want to attract and retain more female clients?

Before you can commit to something, you have to ask yourself why you want to do this and if it is important in the overall success of your company. You have to answer that question for yourself and provide a sense of purpose to your team and your organization.

Prioritize & Commit – You need a strategy, a plan, and you need to commit the energy and the resources to it. If you want to make change at this level, then it needs to become an area of focus, and it needs to be a priority.

Who you place in charge of this strategy, how often it is discussed at the corporate level, and how closely the leadership holds themselves accountable for results speak volumes to women about the company’s commitment to female leadership.

Just Own It – To change the conversation, you need to embrace the reality of it. Look at your current programs, your current results, and your current focus on your strategy.

Ask yourselves and grade yourselves on how it is going.

Just own the fact that what you’re

Go to the Source – If you want to create a great program to put women on top, then go the source to create it— go to a woman. It may sound sexist, it may sound politically incorrect, but the truth is that as women, our climb up the corporate ladder is different. So if you want to know how to put more women on top, then put a woman in charge.

Two-Way Street – As much as a company wants to promote more women, at the end of the day, the power to make it happen lies with our female associates. So promoting more women needs to be a two-way street, and the need to have some skin in the game.

When you build your program to put more women on top, engage your

“”

As much as a company wants to promote more women, at the end of the day, the power to make it happen lies with our female associates.

female workforce right from the start, ask for their ideas and opinions, and most importantly, put some of the responsibility to make it happen on their back!

Yes, I find that most companies and leaders have the best intentions, a true desire to promote and develop women, yet they fall short not from lack of trying but from putting energy into a failed strategy. Follow these five steps, put more women on top, and you will find yourself a winning economic strategy.

• Meridith Elliott Powell is an internationally certified coach, speaker, and business development expert. Founder and owner of MotionFirst, she helps executives and business owners build cultures that make sales fun, easy, and incredibly productive.

Powell’s background includes high-level leadership and executive positions and honors comprise inclusion in Verve Magazine’s “Top 20 Professional Women to Watch” (2010) and selection as “Best Business Coach” by the WNC Business Journal in 2008. She hosts her own weekly show and is author of Winning in the Trust and Value Economy. www. meridithelliottpowell.com

Marketing and Your Business You need to get your product or service in the hands of potential consumers. Marketing does that, and it includes sales, public relations, pricing, packaging, and distribution.

We’ll gather fresh information on marketing strategies and bring them to you once a month in an easy-to-read e-newsletter called The Fresh Press.

We won’t spam you with offers. That’s not what this newsletter is. Look for an email from The Fresh Press in your inbox or go to www.BusinessWomanPA.com and sign up to receive this FREE newsletter.

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doing may not be working, and take a long, hard look in the mirror as to why. Ignoring the problem will not fix it; in fact, it will make it worse, and you need to take some time and really study why women are not succeeding or choosing to go into leadership in your company.

career

From Full Time to Flextime How to negotiate an alternative work arrangement

U

By CLAIRE YEZBAK FADDEN

ntil he was old enough to go to preschool, I was a stayat-home mom to my first son, Shawn.

That’s when I took a clerical position that allowed me to work my way up to my dream job: promotions manager for a world-famous tourist attraction. I was in charge of creating and implementing a variety of attendance-generating events.

About three years later, I gave birth to my second son, Jacob.

It wasn’t long before I discovered that the mixture of a challenging career and parenting two children was tougher than I had imagined. When Jake turned 6 months old, I realized that my roles as superemployee and supermom were about to collide.

My career had me out the door by 7:30 a.m. and by the time I got home, homework was waiting and dinner needed to be made. Just getting basic life errands done left me with little time to play with Jake before he was ready for bed. I cherished our 30 minutes of awake time before we began our nightly routine of bath and bedtime story.

I knew that I didn’t want to miss his baby years, but I also knew that our household relied on my paycheck.

My only solution was to arrange for

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a reduced work schedule. I needed to convince my boss, Melanie, that my job would be effectively accomplished outside the traditional eight-to-five workday.

Luckily, I had a few things that lined up in my favor before I pitched my idea of a more flexible workweek.

First, I had a forward-thinking, open-minded boss who focused on performance and results.

Secondly, I had a track record of coming through. My sales figures had consistently risen during my pregnancy as well as during my maternity leave.

My organizational skills had served me well.

Third, the culture of the organization was to embrace employee needs whenever the opportunity presented itself. I knew I had a shot at being awarded a flexible schedule. I just needed to present the circumstances in a positive way.

If the advantages of a flexible work schedule appeal to you, but you’re not sure how to get the ball rolling, consider these points before you start.

What is Flextime?

Many companies offer a flexible work schedule that allows an employee

~ January 2016 | BUSINESSWoman

Is Your Job Flextime Friendly?

“Make an honest assessment about the job and whether it is really a position that can tolerate it,” says Barry Lawrence, a career expert from Jobfox. “Some jobs, frankly, just aren’t very work-life friendly. My wife, Heather, was a fulltime marketer at a large company. We have twin daughters who are 7.

“She ultimately decided that she would feel better about her professional contributions as a consultant rather than a full-time employee,” says Lawrence. “This gives her the freedom to work more flexible hours without paying a political price of being seen as an ‘undedicated’ full-time worker.”

What’s In It for the Company?

For an employer to institute flextime, the company wants to know how their business will benefit as well.

“Lead with what your employer wants first,” says Julie Moore Rapacki, founder and president of Polish Your Star, a firm providing career coaching

Flextime Pointers • Tell your employer how important this scheduling change is for you.

• S hare your conviction that a flexible schedule would make you a more productive employee.

• S uggest a meeting after a trial period to discuss what’s working and what could be adjusted.

• O ffer to take work-related calls on your cell phone during the traditional workday.

• O ffer to attend any important meetings, even if they are during your nonwork time.

• D on’t agree to a pay cut if you’re not reducing your responsibilities. If your employer suggests one, offer a three-month period to evaluate the new arrangement and whether you are achieving the same results.

Chances are that you will be even more productive, and your results will stay the same or improve.

• D on’t hold on to an all-or-nothing attitude. Be willing to meet your employer halfway. for women. “Make sure you understand the results the business is trying to achieve and how you contribute.

“The obvious benefit to an employer is the ability to attract, motivate, and retain quality employees,” says Rapacki.

In order to keep employees who seek a work-life balance, it’s in the company’s best interests to allow their staff to have a flexible schedule.

“Be prepared to remind your boss, in detail, of the value you bring to the business and what your ideal schedule would be,” adds Rapacki. “Make it a dialogue about how both needs, the business’s and yours, can be met.”

“My company has an established flextime policy,” says Christine Benton, mother of 4-year-old Aiden and 9-month-old Luke. “To apply for it, you must demonstrate a history of good performance. Before I proposed

a flexible schedule, I took into account how the change would impact my coworkers and our clients.

“I was prepared to show how my job could be performed without negatively impacting our clients,” says the manager for a global public relations agency.

Her 24-hour workweek runs Monday to Wednesday.

“Working three days in a row allows for continuity, and that was an important element to offer in my negotiation,” she adds.

It’s important to take some time to formulate your proposal, but the results will be worth your effort.

“Your plan should reflect a respect for both sides and still leave room for tweaking,” says Benton. “In my case, my weekend starts on Thursday and by the time Monday rolls around, I’m also happy, because I’m able to work

with great people. I feel more balanced.

I’m able to have time for my career, my family, and even find some time left over for me.”

Trial Basis In the proposal to my boss, I included an escape clause. I suggested a three-month trial period for both of us to assess the impact of the change.

This gave us a “no-fault” way out if the new work arrangement didn’t meet the company’s needs or my expectations.

At the end of our meeting, Melanie said that she was open to the proposal, but that she would talk to the HR director. She’d give me an answer by the end of the week.

Putting together a plan that was quantifiable, reasonable, and realistic was rewarded the next day when she called me in her office to say that we’d give it a try. I could begin the alternative work schedule at the beginning of the month.

Melanie and I met three months later to discuss my flextime schedule.

Neither of us felt compelled to change the arrangement, and I continued on for the next several years in this capacity.

I was happy to be a test case for other working moms in our company who could point to my flexible schedule as an example of how it can work when both sides are in agreement.

Balancing work and home life is no easy task. There’s no quick fix. But with a bit of flexibility, an insightful employer, and a committed employee, it can be accomplished.

• Claire Yezbak Fadden is an award-winning freelance writer and mother of three sons.

Follow her on Twitter @claireflaire.

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January 2016

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11

CAREER

to select the hours she will work. There are usually specified limits set by the employer. Employees on a flexible schedule may work a condensed workweek or may work a regular workweek.

Those working a condensed week may work four 10-hour days, rather than five eight-hour days. Those who work a five-day week may work hours other than the typical “nine to five.”

In my case, I wanted to leave around 3 p.m. each day. My proposal included the agreement that I would be in the office for core hours (10 to 2) so that I was available for meetings or if coworkers needed me. I also agreed to be available after 3 p.m. if needed.

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~ January 2016 | BUSINESSWoman

D

By KELLEY KELLER, Esquire

o you treat the structure of your business as well as you treat your home?

Think of it this way.

Would you buy a house if it had a cracked foundation? What if the house had structural problems?

Sure, you can make some repairs, like fixing a leaky faucet or replacing some broken tiles, but if the house isn’t built on a strong foundation and with a solid structure, it will fall. The same is true of a business.

For a business to succeed, it needs to be built on a solid foundation, and that foundation needs to be carefully maintained throughout the business’ lifecycle or it will crack and problems will arise.

The reality of business is simple.

Without a solid foundation, even the most innovative companies will fail.

Building Your Business LIFT Foundation At the foundation of every business are four critical systems that must be in place or the business won’t grow. If the business owner gets lucky and the business grows without these systems, then you can bet that big and expensive problems are going to hinder its success (or destroy it).

These four critical systems make up what I call your business LIFT Foundation. They include legal, insurance, finance, and tax, and they require a lot of knowledge and some expert help to set up and support on an ongoing basis.

Legal The first element of your LIFT Foundation is legal and focuses on prevention. When you start and operate a business, there is a very long list of things you should be doing to prevent costly legal mistakes.

From choosing your business name and protecting it with a trademark to ensuring all of the right agreements are in place with your partners, investors, suppliers, clients, and employees, the margin for error is extremely high.

Every Company Needs to

LIFT Their Business to With the introduction of do-ityourself online legal document services providers, the number of problems has escalated. In fact, a new area of law has become a big moneymaker for many law firms—do-over legal services—but it doesn’t have to exist at all.

This is an area of your LIFT Foundation where you must get help because if you make mistakes, the risks are simply more than most businesses can afford. I’ve seen too many businesses shut their doors because of legal mistakes they could have avoided.

Insurance Your LIFT Foundation needs legal prevention as well as insurance protection. Business is volatile and things will change. You need to be prepared by getting adequate insurance before it’s too late.

Depending on your industry, you might need insurance to protect you if a key person leaves the company.

You might need property insurance and business interruption insurance as well as general, product, and professional liability insurance.

If you work from home, you should have homebased business insurance, and every business should have data breach insurance. The list goes on and on. The trick is to get the right insurance so you’re protected without overpaying for insurance you don’t need.

CAREER

4 Critical Systems

Success

remains profitable.

Operating a business isn’t always smooth sailing. What worked yesterday might not work tomorrow, so you need a financial plan.

Every business needs a budget, business credit, and separate business and personal finances. If you’re not managing your business finances correctly, you, your business, and your family could land in serious legal trouble!

At the same time, you need to plan for the future so your business is successful for years to come (even during the worst times) by developing financial projections, cash-flow analyses, and more.

Tax Your LIFT Foundation needs a tax plan so you can minimize the taxes you have to pay while maximizing your after-tax income. Of course, you want to avoid getting in trouble with the IRS, too.

Without a solid tax strategy and ongoing tax planning, you’re likely to

make mistakes or miss opportunities to take advantage of tax credits and deductions you legally qualify for that could reduce your tax payments.

Business taxes can be very confusing. Your business might have to pay federal, state, and local taxes, and tax laws change every year! Tax planning should begin on day one when you first start your business because the decisions you make today could have a significant effect on your business in the future.

The Takeaway Building a strong LIFT Foundation for your business should be a requirement. It’s too important to ignore. Set your business up for success by building a solid LIFT Foundation that you can grow on!

• Kelley Keller, Esq., president of Carlisle, Pa.’s, Circle Legal, is redesigning the legal experience for innovative companies, business owners, and their families, so they get the LIFT they deserve. www.CircleLegal.com

Finance Without profits to keep things running, you won’t have a business, so you must prioritize finance as part of your LIFT Foundation. In simplest terms, you need to manage your daily finances and plan for the future so your business BUSINESSWomanPA.com

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career

Starting a Home Business?

W

Be Sure to Keep It All Business

ith the economy and the dynamics of the work world in a flux— and the increasing need by many people to get closer to their families­—many are opting to start home businesses that will enable them to make a good living while connecting more closely with day-today family life.

But since a home business is a business, after all, it’s best to follow some guidelines to make sure your home office time doesn’t turn into all play and no work.

14

• Get up, get dressed, and go into the office.

• Don’t live in your sweats, or, worse yet, your underwear.

• Put on a nice shirt, pants, or skirt.

• S et up a separate office space in your home, preferably with a door, where you can quietly work apart from household hubbub.

• Outfit your office. Invest in a good-quality copier, computer, and other office conveniences.

• Don’t do housework, watch television, exercise, or gab with friends during your home work hours.

• Act like you’re in a business—and you will be.

If you wouldn’t do it in your office at a Fortune 500 company, don’t do it during your at-home workday.

~ January 2016 | BUSINESSWoman

--Adapted from Home Business Magazine

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New Year Resolutions: Why They Fail

and

lifestyle

By KIMBERLY BLAKER

How You Can Succeed

T

he new year is a great time to take inventory, set goals, and take charge of your life. But if you’re like most, making resolutions is much easier than keeping them.

Rather than focusing on the idea of a new beginning, which can lead to disappointment at the first slip, keep in mind that self-improvement is an ongoing endeavor. Setbacks are not failure; they bring wisdom and insight for future success.

Before making a split decision as to this year’s resolutions, make a list of goals and changes you’d like to make.

Then review your list, and cross off any you do not feel truly devoted to.

Whether you resolve to spend more time with your family, quit smoking, or to lose weight, you’re more likely to succeed if you feel a strong personal commitment rather than “I should.”

One reason people don’t keep resolutions they make is the resolutions are often made to silence the pestering of a loved one. If you decide to quit smoking to get your husband off your back, you’re less likely to succeed. If you decide to quit smoking to feel healthier and be able to enjoy physical activity without being winded, you’re more likely to experience success.

Choose one or perhaps two of the resolutions on your list to which you feel most committed. Then choose one or two you feel confident you can do with ease. These last couple can be used as positive reinforcement for the more challenging first choices.

The next step is to make a clear plan for adhering to your resolutions.

Put each resolution in writing, and detail the steps to achieve them. If your resolution requires a routine or schedule such as an exercise routine,

16

“”

Year’s end is neither an end nor a beginning but a going on, with all the wisdom that experience can instill in us. ~ Hal Borland a new diet, or steps toward completing your education, then create a goal chart, a detailed plan, and a checklist to track your progress.

Also, post notes in strategic places such as the refrigerator, bathroom mirror, or steering wheel as reminders

~ January 2016 | BUSINESSWoman

of your resolutions with tips on how to overcome temptation.

Make certain your family understands the importance of your resolutions. Family support and their positive reinforcement can be most helpful.

If your resolution is something your family has been nagging you about, ask for their encouragement but explain that pressure and pestering, particularly during setbacks, could undermine your resolve. Determine how each family member can help you to achieve your goal, perhaps by taking on additional household chores or through affirmations of your continued success.

Adjust your environment to enable success. If eating healthier is your goal, don’t fill the cupboards with junk food for other family members. Find healthy snacks they’re willing to substitute. If you’re trying to quit smoking, avoid people, places, and things that remind or tempt you, at least until you have it well under control.

Don’t go it alone. If you have a friend with a similar resolution, make a pact. Work together to create a plan, and then make a point to check in with each other regularly for encouragement, praise, and support.

If you resolve to get more exercise, do it together. Having a commitment and someone to accompany you will go a long way in helping you to succeed.

Finally, reward yourself, not just once you’ve achieved your goal, but periodically for your success so far. Small, periodic rewards can be motivation enough to keep you strong when you’re ready to throw in the towel.

Remember, whatever New Year’s resolutions you choose, success awaits you if you resolve to never give up trying.

• Kimberly Blaker is an author and freelance writer. Her articles have appeared in more than 200 newspapers, parenting and women’s magazines, and other publications throughout the U.S.

Building a

e r P r e t s a s i D

t i K s s e n d e r a p

photo courtesy of Getty Images

lifestyle

N

atural disasters—hurri­ canes, floods, tornadoes, and earthquakes—can be unpredictable. That’s why organizations like the American Red Cross urge people to prepare ahead of time.

You may have an emergency plan in place so everyone in your family knows what to do and where to go if a disaster strikes. What you may not have is a disaster-preparedness kit.

In the event of an emergency, there often isn’t much time to search for or stock up on supplies. You can create your own disaster-preparedness kit ahead of time with some basic household items.

Weather Radio A National Oceanic and Atmospheric Administration (NOAA) Weather Radio broadcasts continuous weather information from the nearest

national weather service and keeps you updated on potential weather-related issues that could arise.

These radios are vital because they can keep you updated on the weather when the local news may be inaccessible due to power outages.

Nonperishable Food When disaster strikes, access to fresh, perishable foods and refrigeration may be limited, so it’s important to have nonperishable food items readily available.

Such items include ready-to-eat canned foods, granola or fruit bars high in protein, dried fruit or vegetables, nuts, and low-sodium crackers.

If you choose to include canned items in your kit, also remember to have a manual can opener handy.

First Aid Supplies You probably already have a first aid

kit readily available. Make sure that kit is easily accessible or make sure your disaster-preparedness kit has common first aid supplies in it.

Basic first aid supplies should be accounted for, including adhesive bandages, compression bandages, tape, gauze, antibiotic ointment, antiseptic wipes, and rubber gloves. Pain relievers, such as aspirin, are also good to have on hand.

Flashlight and Batteries Power outages are a common result of natural disasters, and stumbling through darkness can be dangerous. Be prepared with a flashlight and usable batteries, and check your battery supply frequently.

Bleach After a natural disaster, water may not be safe to drink. If water supplies are compromised and you don’t have power to boil water, you can create potable water with a few drops of unscented disinfecting bleach, such as Clorox.

It is also useful to have bleach on hand for cleanup, to disinfect hard surfaces and help prevent mold and mildew. In fact, Clorox has worked with the Red Cross for more than 40 years to donate bleach for recovery efforts following natural disasters.

(Family Features) To learn more about disaster preparedness, visit www.redcross.org and www.clorox.com.

BUSINESSWomanPA.com

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                                    

             

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~ January 2016 | BUSINESSWoman

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Cervical Cancer:

What You Need to Know Now and How to Reduce Your Risk

By KELLY JAMES-ENGER

What is Cervical Cancer?

To understand what cervical cancer is, let’s start with a brief anatomy lesson.

Your cervix is the lower, narrower part of your uterus, and it forms a canal that opens into the vagina. During sexual intercourse, sperm travel up through the cervix into the uterus; if one finds and fertilizes an egg, and the egg implants in the wall of the uterus, pregnancy occurs.

Roughly 40 weeks later, the baby leaves the uterus in the opposite direction; the cervix leads to the way out.

Cervical cancer occurs when cancerous cells take hold and begin producing tissue that forms a tumor in that part of the uterus. The cause of

this cancer has been linked with certain strains of human papillomavirus (HPV), which is the most common sexually transmitted infection in the United States.

According to the Centers for Disease Control and Prevention, about 80 million Americans are infected with genital HPV. It’s not always symptomatic,

thanks to living in the 21st century.

“Before the introduction of the Pap smear after World War II, cervical cancer was the leading cause of cancer deaths of women in the U.S.,” says Robert Marshall Austin, M.D., professor of pathology at University of Pittsburgh Medical College.

“Most women don’t know that

January is Cervical Cancer Awareness Month. which means you can have the infection without knowing it.

Fortunately, most women’s immune systems fight off HPV infections and don’t develop cervical cancer. However, some strains of HPV types can cause abnormal cells on the lining of the cervix that years later can turn into cancer; other strains cause genital warts.

What’s My Risk?

Your risk of developing cervical cancer is much lower than it used to be,

because now it’s a historical memory, but around the world where there’s no screening, cervical cancer is either the first or second leading cause of cancer death in women.”

Today, however, screening has reduced the underlying rate of cancer by about 70 to 90 percent, adds Austin.

According to the American Cancer Society, about 12,900 women will be diagnosed with cervical cancer this year; about 4,100 of them will die of the disease.

Fortunately, this doesn’t happen overnight; rather, cells first undergo precancerous changes that signal that cervical cancer may develop. Finding and treating these precancerous cells often prevents them from developing into full-blown cervical cancer.

You’re more likely to develop cervical cancer if you’ve been exposed to HPV; if you smoke; if your immune system is compromised (such as with an HIV infection); or if you’ve had a lot of sexual partners.

Women over 40 are more likely to be diagnosed with cervical cancer, probably because they get Pap tests less frequently, and taking the pill for more than five years or having a large number of children may also increase your risk.

What You Can Do to Reduce Your— and Your Daughter’s—Risk If you have preteen-aged kids, you’re probably aware of the vaccines that can prevent most cases of cervical cancer.

The vaccines—Gardasil, which is for both boys and girls, and Cervarix, for girls only—have been approved

BUSINESSWomanPA.com

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January 2016

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19

wellness

J

anuary is Cervical Cancer Awareness Month. Here’s what you should know about this disease, how you can help prevent your daughters (or granddaughters) from developing it, and how to reduce your risk of developing it as well.

Go Online to Learn More Want to learn more about cervical cancer? Check out the website of the National Cancer Institute, which provides an extensive overview on cervical cancer, including information on symptoms, risk factors, diagnostic techniques, and treatment options. www.cancer.gov/cancerinfo/wyntk/cervix

with HPV (14 million people become infected every year) and that young women schedule Pap tests annually.

The same advice applies to you!

Most of the time, precancerous changes and cervical cancer in its early stages do not produce noticeable symptoms. That’s why regular screenings are so important.

However, in later stages, women may notice symptoms, including abnormal vaginal bleeding; increased vaginal discharge; pelvic pain; longer, heavier periods; and pain during intercourse.

These can also be symptoms of other medical problems, including

endometriosis and pelvic inflammatory disease, so it’s important to see your doctor immediately to determine the cause.

You may also want to ask your doctor about the ThinPrep Pap test.

The ThinPrep Pap test is performed the same way as a conventional Pap; your doctor takes a sample of cells from your cervix. However, instead of smearing the cervical cells onto a slide, they’re placed in a vial of preservative.

Because of the way the cells are stored, the ThinPrep is significantly more effective than the conventional Pap test for detecting precancerous cells, says Austin.

If your Pap test does show abnormal cells, ask about HPV screening.

“This allows us to improve the sensitivity of the screening and to identify the women who really need to go for colposcopy [a diagnostic procedure that looks more closely at the cells of your cervix],” says Austin.

If your HPV test is negative, you may be able to return next year for a follow-up Pap; otherwise, your doctor may schedule you for a colposcopy to determine whether you need additional treatment.

The bottom line? Get annual Pap tests, practice safe sex, and don’t smoke to reduce your risk of cervical cancer. Suggest that the young women (and men) in your life consider getting vaccinated.

Even so, the vaccine will only prevent about 70 percent of cervical cancer cases, so it’s still up to you to protect your health.

“That’s why it’s important to have continued screenings—and important that that screening is by the best methods available,” says Austin.

wellness

for use in the United States. They’re recommended for children ages 11 or 12 and should be administered before children have sexual contact and are exposed to HPV—it’s more effective that way.

Teenagers and older adults can also receive the vaccine if they haven’t had it already; it’s recommended for girls and women up to age 26 and boys and men up to age 21. (The idea behind vaccinating boys and men is to prevent them from transmitting the virus to women who may develop cervical cancer.)

Regardless of whether you’ve been vaccinated, it’s smart to get an annual Pap screening to detect precancerous changes early on.

If you’re a mom whose children aren’t sexually active yet, talk to your pediatrician about the vaccine. Both vaccines are given as a series of three injections over a six-month period.

If you have kids who are already sexually active, make sure that you talk to them about practicing safe sex to reduce their risk of becoming infected

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While We Were Out ...

Belco Community Credit Union

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Belco Community Credit Union employees supported Hunger Action Month by participating in the Central PA Food Bank’s “Hunger Bites” campaign for the eighth consecutive year. More than 25 Belco employees volunteered at the Central PA Food Bank, where they sorted and repackaged donated food.

Belco recently volunteered at the annual WGAL Salvation Army Coats for Kids Telethon. Belco also donated (10) $100 gift cards to use for the telethon.

Did your company participate in charity work?

Did a co-worker receive an award?

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Pictured from left to right is Belco staff: (front row) Robin Jeena, Christie Thompson, Carol Eller, Sandy Barr, Jeff Bingaman, Alice Blake; (back row) Lonni the Lion, Julie Bobar, Yvonne James (Lisa Moyer was not pictured).

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women to

Patty Bowers was named staff accountant for Gift & Associate in the firm’s Mechanicsburg office. She earned a bachelor’s degree in accounting from Penn State University and is a CPA candidate.

Dr. Karen Click has been appointed the executive director of

Danielle Dolch has joined the law firm

Stephanie George has been hired as

Joyce Heisey has been promoted to the

Doris M. Manning has been promoted to

Kathryn S. Shoff joined the SF&Company,

Sarah Taylor has joined Berkshire Hathaway HomeServices Homesale Realty as a Realtor®. Taylor will specialize in residential sales throughout York and Adams counties. She volunteers with the American Heart Association and the Lymphoma/Leukemia Society.

Diana Winand was named staff accountant for Gift & Associates. She earned a bachelor’s degree in accounting from Central Penn College and worked as a payroll specialist for PaySmart Payroll Services for more than three years. She is a CPA candidate.

The State Street Academy of Music. Click previously served as their artistic director. She holds a Doctor of Musical Arts degree and served on the faculty of Messiah College.

the office administrator for Temple Beth Israel of York. George has a background in customer service, office management, marketing, and event planning. She holds a bachelor’s degree in marketing and most recently managed an insurance office in Ft. Myers, Fla.

director of quality control at Masonic Village at Elizabethtown. Heisey is wound -care certified through the National Alliance of Would Care and Ostomy.

She is a member of the Pennsylvania Association of Directors of Nursing Administration.

CPAs and Business Advisors, as a full-time administrative assistant. She provided valuable support during tax season and since then has served as a part-time, frontdesk receptionist for the firm. She will continue to assist in meeting client needs and performing tasks for firm staff.

of Barley Snyder in its real estate and personal planning groups. Dolch will practice primarily from the firm’s York, Pa., office but will provide support for the firm’s office in Hunt Valley, Md.

senior client relationship administrator within the Wealth Management Division of LeTort Trust. Manning brings more than five years of experience in tax accounting to the position along with an in-depth knowledge of the wealth management field.

Applause

ACHIEVEMENTS &

Donna

L. Kreiser was recently elected to the McNees management committee. Kreiser is the first female elected to serve in this capacity as well as the first to serve from the Lancaster office.

Kreiser has been recognized as The Best Lawyers in America® since 2013.

Crystal Clark, a member of the McNees Wallace & Nurick labor and employment practice group, has been appointed as corporate counsel with the County Commissioners Association of Pennsylvania (CCAP). Clark’s role will be to advise CCAP staff and the board on general legal matters, monitor litigation and legislative actions.

Tamra Peroni is now an associate broker

for Berkshire Hathaway HomeServices Homesale Realty. Peroni has been elected to the RAYAC 2016 board of directors.

She also holds the York City Savvy designation.

Celebrate your achievements!

Did you or someone in your organization get a promotion? Did you hire someone spectacular?

Did you or your company receive an award? connections

BusinessWoman magazine would love to let the world know!

Upload your picture(s) and information at: businesswomanpa.com/career-moves-achievements Email your announcements of career advancements and professional new hires to crupp@onlinepub.com. Photos should be saved as a tiff, jpeg, pdf or eps at 300 dpi.

Mail to: BUSINESSWOMAN, 3912 Abel Drive, Columbia, PA 17512. Photos sent through mail will not be returned. Please – no duplicate releases.

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meet and

Greet

American Business Women’s Association (ABWA) Camelot Chapter 6 p.m.

3rd Monday of the month Radisson Hotel Harrisburg, Camp Hill Marianne Troy, President 717.761.9013 mariannetroy@gmail.com www.abwacamelot.com Lancaster Area Express Network 7:15 – 9 a.m.

3rd Wednesday of the month Lancaster Country Club 1466 New Holland Pike, Lancaster Jennie Weinhold 717.715.2595 info@LAEN-ABWA.com www.LAEN-ABWA.com Lebanon Valley Chapter 6 p.m.

4th Wednesday of the month Hebron Fire Hall 701 E. Walnut St., Lebanon Penny Donmoyer 717.383.6969 www.abwalebanonpa.com Penn Square Chapter 11:45 a.m. – 1 p.m.

2nd Thursday of the month Hamilton Club 106 E. Orange St., Lancaster Laurie Bodisch 717.571.8567 ldbodisch@fult.com Wheatland – Conestoga Chapter 6 p.m.

1st Tuesday of the month Heritage Hotel 500 Centerville Road, Lancaster Kimberly Warner, President kwarner@murrayins.com www.abwa-wc.org Women @ Work Express Network 11:30 a.m. – 1:15 p.m.

2nd Thursday of the month Heritage Hotel 500 Centerville Road, Lancaster Diane Brooks diane@virtualbizzassistant.com www.abwalancaster.com

Executive Women International Harrisburg Chapter 5:30 p.m.

3rd Thursday of the month Rotating location Kathy Lacomba klacomba@pa-fsa.org www.ewiharrisburg.org Harrisburg Business Women 11:30 a.m. – 1:30 p.m.

2nd Tuesday of the month, Sept. – July Best Western Premier Central Hotel & Conference Center 800 E. Park Drive, Harrisburg Lynne Baker, President 717.215.2327 info@harrisburgbusinesswomen.org www.harrisburgbusinesswomen.org

Insurance Professionals of Lancaster County (IPLC) 5:45 p.m.

3rd Tuesday of the month, Sept. – May Heritage Hotel 500 Centerville Road, Lancaster Krista Reed, President kreed@gunnmowery.com www.internationalinsuranceprofessionals.org/ group/117 International Association of Administrative Professionals Harrisburg Chapter 5:30 p.m.

3rd Monday of the month Holiday Inn Harrisburg East 4751 Lindle Road, Harrisburg Helen E. Wallace, CAP-OM, President Jodi Mattern, CAP, Webmaster jodi4psu@gmail.com www.iaap-harrisburg-pa.org

Red Rose Chapter 6:15 p.m.

4th Tuesday of the month Woodcrest Villa 2001 Harrisburg Pike, Lancaster Tamara Coleman tcoleman1123@comcast.net Mechanicsburg Business Women 11:30 a.m.

3rd Wednesday of the month Giant Super Foods Community Room 3301 Trindle Road, Camp Hill Abeer Srouji Allen info@mechanicsburgbusinesswomen.org www.mechanicsburgbusinesswomen.org Pennsylvania Public Relations Society 5:30 p.m.

Last Thursday of the month Joan Nissley, President pprshbg@gmail.com www.pprs-hbg.org Shippensburg Women’s Area Networking (SWAN) Noon 1st Wednesday of the month Rotating location Lisa Mack, President shipswan@yahoo.com www.facebook.com/shipswan Women Inspiring Success Express Network 7:15 – 9 a.m.

2nd Tuesday of the month Knickers Pub at Heritage Hills 2700 Mt. Rose Ave., York Wanda Stiffler 717.891.7808 wls1211@hotmail.com

Women’s Business Center Organization (WBCO) 11:30 a.m. – 1:30 p.m.

2nd Tuesday of the month Sept. through May Alumni Hall–West Campus York College of PA 441 Country Club Road, York Lynne Breil, Executive Director lynne@theprofessionaledgeinc.com Julie Sterner, Administrator jsterner@ycp.edu www.wbcoyork.org Women’s Independent Networking Group (WING) Noon 1st and 3rd Wednesday of the month Heritage Hills 2700 Mount Rose Ave., York Lisa Barshinger 717.747.6393 info@wingofyork.com www.wingofyork.com Women’s Network of York 11:30 a.m.

3rd Tuesday of the month Out Door Country Club 1157 Detwiler Drive, York Lori Detter, President president@wnyork.com www.wnyork.com

Hershey Chapter 5:30pm 2nd Tuesday of the Month Hershey Lodge 325 University Drive, Hershey 717.508.1710 mbair@hersheypa.com www.hershey-iaap.org

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Yellow Breeches Chapter 6 p.m.

4th Wednesday of the month Comfort Suites 10 S. Hanover St., Carlisle Jofa Kauffman jofa@paonline.com

Central PA Association for Female Executives (CPAFE) 1st Wednesday of each month Refer to the website for the meeting location Cathy Jennings, President 717.713.7255 info@cpafe.org www.cpafe.org

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