Business Woman May 2015 by On-Line Publishers, Inc.

May 2015

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WHAT’S 4 7

Inside

LETTER FROM THE EDITOR agREEIng TO bE paRTnERs Make sure it’s in writing.

succEssFuL succEssIOn pLannIng What to do before the unexpected death or disability of a business owner.

12 cOMpuTIng HOME OFFIcE DEDucTIOns The safe harbor method might be your solution.

14 ‘FasHIOn’ yOuR sEaTbELT It’s going to be a great day!

15 cREaTE a cOnTaInER gaRDEn Make your veggie garden jealous!

17 wHaT THE LaDy wanTs Women-centric homes taking the housing market.

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22 wHILE wE wERE OuT See what your colleagues have been up to!

22 wOMEn TO waTcH New hires and promotions.

23 MEET anD gREET Regional networking events and meetings.

5 cOvER sTORy Everything’s popping up colorful for Laura Lapp, owner of Perfect Pots Container Gardening in Lancaster County. Lapp was brought up with an appreciation for plants but went on to earn a Bachelor of Science degree in the neuroscience side of the psychology field. However, her creativeness for designing beautiful container gardens was noticed by friends and neighbors and what started in her garage soon expanded to an official greenhouse and wonderful employees. She has found her passion.

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May 2015 Vol. 12 - no. 5

PRES IDENT AND PU BLISH ER DoNNA K. ANDERSoN

EDIToRIAL

t is finally warmer weather and I am ready to dig Yes, you not only have to have a sound plan for how your in and get dirty creating my flowering business will be formed, but also ensure that there are containers and baskets. This issue of contingencies in case of death or disability of the owner/s. Ladies, one out of two women age 50 and older will BusinessWoman gives a lot of ideas of types of plants and flowers that work well together. And it’s nice to suffer from osteoporosis, which means either you or I will be at risk of a fracture. Oh, no! Find know that there are nurseries that out how we can prevent bone loss will not only sell you a flowering through medications, diet, vitamins container that will look stunning in and minerals, and exercise. It’s really front of your home, but will also I love spring easier than you think. Do something gladly help you select and plant the anywhere, but if I today to prevent a break tomorrow. flowers in your pot for a dazzling display. Ready, set, plant! The Lancaster County women’s could choose I would May 4 – 8 is Small-Business Week expo is at the end of this month. always greet it and every business owner should be Check out what’s in store on aware of the options they have when page 14, and then go online at in a garden. taking home-office deductions. You www.aGreatWayToSpendMyDay.com ~Ruth stout don’t want the IRS breathing down for FREE registration to attend. We your neck, and the safe harbor know you’ll have a great time! method might be a good option for you if you want a more simplified approach. We’ve also included other information that will be helpful if you are still in the planning stages of starting a business and considering taking on a partner. Christianne Rupp Those are the beginning stages of starting a business, but Vice President and Managing Editor at the other end of the spectrum is succession planning.

“”

Vice President and Managing Editor CHRISTIANNE RUPP MEgAN JoyCE Editor Contributing Writers VANCE E. ANToNACCI REBECCA HANLoN LyNDA HUDzICK RoBERT SHARoFF SyLVESTER E. WILLIAMS IV

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cOVER

There’s Always Room for

One More Flat of Flowers

By LYNDA HUDZICK

s a child, Laura Lapp remembers traveling from her home in Chester County with her family to get plants from Lancaster. She fondly recalls traveling from greenhouse to greenhouse, some of which she still visits today, and the excitement of finding new plants that couldn’t be left behind. “We’d go home with a car full of plants. There was always room for one more flat— even if I had to ride home with it on my lap,” Lapp said. Brought up to love and appreciate flowers and plants, Lapp remembers her grandmother taking her for strolls around her garden, pointing out flowers, and sharing their names with her. Her mother, who opened a flower shop across from Longwood Gardens while Lapp was in middle school, was also instrumental in setting Lapp on the path that would lead her to where she is today: the proud (and often dirty) owner of Perfects Pots Container Gardening. “Mom instilled in me a freedom to be artistic without fear of making mistakes,” Lapp said. “Mistakes … are just a part of the gardening and learning process. That might be the single most important thing about gardening—you can’t be afraid.” This married mother of two holds a Bachelor of Science degree in psychology, having studied the neuroscience side of the field. She worked in pharmaceuticals and then as a neurochemist in a lab right out of college but decided to stay home when her first daughter

was born. She continued to spend a lot of time surrounded by plants and flowers, though, especially enjoying creating botanical masterpieces in various containers she then displayed around her home. Her hard work didn’t go unnoticed and, in fact, that’s how Perfect Pots began. One day her next-door neighbor “dropped off his pots and said, ‘I see you have a knack for this. Could you plant my pots for me?’ I could hardly believe someone wouldn’t want to plant their own pots because I loved it so,” Lapp said. The idea that not everyone enjoys getting their hands in the dirt as much as she does opened her eyes to notice how many people had front porches with “two beautiful but empty pots sitting on them!” A business idea was born. “Much of gardening and especially container gardening is trial and error,” Lapp said. “Since it was something I had been doing for many years as a hobby, I had the knowledge about specialty annuals, and I found there were people I could share it with.” Her “garage” business expanded rapidly, and by April 2009, she opened a greenhouse shop in Strasburg. She admits it was rather small compared to the greenhouse she has now, which, on any given Saturday in May, is bursting with colorful flowers in full bloom and pots lining the walls wherever there is a free space. “What used to be ‘There’s always room for one more flat’ has now turned into ‘There’s always room for one more truckload of flowers,’” Lapp said. Lapp manages both the greenhouse and the onsite potting business, where she and members of her team plant pots on site at homes and businesses. With a focus on their specialty, container planting, they also offer a do-ityourself service where a customer can bring a pot to the greenhouse, and one of the Perfect Pots experts will either plant it per the customer’s specifications focusing on color and style, or they will assist the

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May 2015

CAReeR

customer in planting the pot themselves. “You can get your hands dirty, we help you as much as you want or need along the way, and then we clean up the mess while you go home with a car full of planted pots that you will enjoy all season,” she said. It’s a fast-paced environment. There are days, especially in May, where Lapp said she sometimes works as much as 15 hours before heading home to crash, “hopefully having time to scrub off the dirt before I crawl into bed.” Yet, from the beginning, the business has been profitable, and she’s never had to take out a business loan. “I know where I stand financially as a company each day before going out the door,” Lapp said. “I can then go out and do what I love with confidence.” A good day for Lapp and her team is a day when Mother Nature cooperates, and they can get out to all of their scheduled jobs for the day. The joy she experiences when she sees a customer’s reaction to their newly planted pots when pulling into their driveway is priceless for Lapp. And even when they’re behind schedule due to uncooperative weather or simply the

seasonal rush, there’s still a sense of accomplishment when her loyal customers come back year after year, excited about the progress their pots are making with each passing season. “It’s very rewarding to bring that kind of daily happiness to people’s lives,” Lapp said. Lapp loves the beautiful variety of colors that flowers present, but she also likes pots planted with foliage only. “I love the contrasting textures of the plants, even if they’re all mostly green. It’s different and a change of pace,” she says. Always on the lookout for new plants, not all of those she experiments with are success stories. “There’s usually a dud or two every season,” she said. “We order it, try it in all sorts of ways, and if it doesn’t work, we don’t order it again. I don’t like a wimpy plant. Once I find out it’s wimpy, it’s never welcomed back in my greenhouse.” Currently, Perfect Pots boasts nine employees who, between them last year, planted thousands of pots—2,000 in April and May alone. And this year will be their busiest yet as Perfect Pots is honored to have been asked to plant all the flowers and pots for the

AT T E N D

LPGA U.S. Open coming to Lancaster Country Club in July. Lapp is thrilled and honored to be chosen and said and it will be the biggest job she and her team have ever tackled, planting and caring for more than 5,000 plants until the tournament. However, she is also quick to point out that she plans to handle this job just as she does any other: “Get an idea of what the client wants, talk to the plants and tell them to do their thing on just the right day, and execute the plan flawlessly,” Lapp said with a smile. It’s important to Lapp that her business is truly a part of her local community, and so Perfect Pots supports many local organizations that her customers and employees are involved with. And it’s also important to her that people understand that although her husband is very supportive of her work, this successful business is hers, and it is being run by a woman whose sole focus has always been to keep her employees and customers happy. “When I lift a 50-pound bag of soil for the 20th time in a day, I don’t wish a man was doing it,” she said. “I’m grateful that I can do it.”

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cAREER

Agreeing to Be Partners

By SYLVESTER E. WILLIAMS, IV

f you are considering setting up a partnership, it is highly advisable to use a written partnership agreement. Using these agreements helps to anticipate disagreements that might occur down the road and alter the relationship between partners. The partnership agreement provides a strong foundation for the partners to settle conflicts when they arise, handle minor misunderstandings, and, most importantly, spell out each party’s rights and responsibilities to each other. For instance, you and your partners can establish the shares of profits (or losses) each will take, the responsibilities of each partner, what will happen to the business if a partner leaves, and other important operating guidelines.

The key is to remember that without a written agreement indicating otherwise, your state’s law will control many aspects of your business. More specifically, each state (with the exception of Louisiana) has its own laws governing partnerships, contained in what is usually called the “Uniform Partnership Act” or the “Revised Uniform Partnership Act.” Basically, these statutes establish the basic legal rules that apply to partnerships and will control many aspects of your partnership’s life. The state partnership format was designed as one-size-fits-all fallback rules, and they may not be helpful in your particular situation. Do not follow the path of doing nothing. Here is a list of the major areas that most partnership agreements cover. You and your partners-to-be should consider these issues before you put the terms in writing:

Name of the partnership. One of the first things you must do is agree on a name for your partnership. You can use your own last names, such as Randolph & Macon, or you can adopt and register a fictitious business name, such as Joe’s Famous Biscuits. If you choose a fictitious name, you must make sure that the name isn’t already in use. There is a small fee to register a fictitious name in Pennsylvania. Contributions to the partnership. It’s critical that you and your partners work out and record who’s going to contribute cash, property, or services to the business before it opens—and what ownership percentage each partner will have. Disagreements over contributions have doomed many promising businesses. This is used to determine

partnership interest, and you will need to include this for the partnership ownership record. Allocation of profits, losses, and draws. Will profits and losses be allocated in proportion to a partner’s percentage of interest in the business? And will each partner be entitled to a regular draw (a withdrawal of allocated profits from the business), or will all profits be distributed at the end of each year? You and your partners may have different ideas about how the money should be divided and distributed, and each of you will have different financial needs, so this is an area to which you should pay particular attention. Partners’ authority. Without an agreement to the contrary, any partner can bind the

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May 2015

cAREER

partnership without the consent of the other partners. If you want one or all of the partners to obtain the other’s consent before binding the partnership, you must make this clear in your partnership agreement. Partnership decision-making. Although there’s no magic formula or language for divvying up decisions among partners, you’ll head off a lot of trouble if you try to work it out beforehand. You may, for example, want to require a unanimous vote of all the partners for every business decision. If that seems like more than will be necessary, you can require a unanimous vote for major decisions and allow individual partners to make minor decisions on their own. In that case, your partnership agreement will have to describe what constitutes a major or minor decision. You should carefully think through issues like these when setting up the decision-making process for your business.

Management duties. You might not want to make ironclad rules about every management detail, but you’d be wise to work out some guidelines in advance. For example, who will keep the books? Who will deal with customers? Supervise employees? Negotiate with suppliers? Think through the management needs of your partnership and be sure everything is covered. Admitting new partners. Eventually, you may want to expand the business and bring in new partners. Agreeing on a procedure for admitting new partners will make your lives a lot easier when this issue comes up. Withdrawal or death of a partner. At least as important as the rules for admitting new partners to the business are the rules for handling the departure of an owner. You should, therefore, set up a reasonable buyout method in your partnership

agreement eventuality.

deal

with

this

Resolving disputes. If you and your partners become deadlocked on an issue, do you want to go straight to court? It might benefit everyone involved if your partnership agreement provides for alternative dispute resolution, such as mediation or arbitration. Sale of the business. Any small business should have its exit strategy planned from the get-go, but it’s even more important with a partnership. If selling the business is the plan, partners need to agree in advance on acceptable processes and numbers. Two prime areas of future disagreement are business valuation and profit sharing. Commonly one partner feels she put more into the partnership or worked harder, so she is due a bigger share. In conclusion, legally you are able to create a general partnership

agreement with no formalities, although it’s not prudent. Ultimately, like any voluntary relationship entered by parties, partnerships are fraught with chances for disagreements and misunderstanding. However, unlike most relationships, once you enter a partnership agreement with someone, you’re legally bound to them until the partnership is officially dissolved. Planning ahead avoids disputes and costly court battles later. No matter how much of a friend your potential partner is, you should never enter a business partnership with him or her without a formally drawn-up partnership agreement. Lastly, given the complex nature of partnerships, seek the assistance of a seasoned legal professional who can shepherd you through the complexities of setting up this relationship. Your goal is to customize the partnership agreement to reflect the relations between you and your partners. Trust me, the work you do now will save you time and money later.

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Successful Succession Planning

By VANCE E. ANTONACCI

he unexpected death or disability of a business owner is difficult waters for any business to navigate. Family members, customers, vendors, and employees all have a stake in the continued viability of a business affected by an unexpected death or disability. It is important, therefore, that every business owner has a succession plan in place to address these potential events. A succession plan should not only address the legal and tax consequences raised by a death or disability, but should also address management succession issues. The starting point for a successful succession plan is understanding the owner’s goals and objectives and addressing contingencies such as an unexpected death or disability. From the legal perspective, each business owner should have a “basic” estate plan. A basic estate plan consists of a last will and testament, a durable general power of attorney, and a healthcare power of attorney. Your particular situation may warrant the use of trust

agreements and other planning techniques, but these three documents are the base of any plan. A durable general power of attorney will appoint one or more agents who can make decisions in place of the business owner who is incapacitated. A last will and testament appoints a personal representative who has the authority

to wrap up the affairs of the deceased owner. The authority of your agent will be set forth in your power of attorney and the authority of your personal representative will be set forth in your last will and testament, but it is important to understand that the owner’s agent or personal representative will “stand in the shoes”

“”

Employees, customers, and vendors need to be assured through continuity of management that their relationships with the business will not be affected by the death or disability.

of the owner and therefore is bound by any contracts the owner makes during her lifetime, such as a buy-sell agreement. A business owner only has one last will and testament that covers both their business and personal lives. However, a business owner can have a “business” power of attorney and a “personal” power of attorney. The substance of the power of attorney will generally not be affected by the type of business (LLC, corporation, etc.). Your estate plan documents are one part of your succession plan. A succession plan also should provide a clear understanding of which employees or other owners will assume the responsibilities of the deceased or disabled owner. Employees, customers, and vendors need to be assured through continuity of management that their relationships with the business will not be affected by the death or disability. This part of the succession plan can be laid out in some written format, such as an “emergency plan” or an agreed-to directive to the management team and other owners.

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As noted above, the owner’s agent or personal representative will “stand in the shoes” of the owner. Therefore, in the event of a death or disability, the agent or personal representative will have the right to exercise any voting rights associated with the ownership interest unless their rights are otherwise limited by contract. For example, the agent acting on behalf of a shareholder/owner could vote the owner’s shares to elect different members to the board of directors, which could be unsettling to third parties. Most succession plans incorporate life insurance and disability insurance. These insurances will replace lost income and provide financial resources to carry out the sale of the business—the disability policy can provide a lump-sum benefit to one owner to be used to buy out the disabled owner. Disability insurance generally is designed to replace a business owner’s lost income. It also may be used to fund the purchase of a disabled

owner’s interest in the business. For example, if there are two owners (A and B), then A would own life insurance that insures B’s life, and vice versa. In the event of B’s death, A could collect the death benefit and would use the death benefit to purchase B’s interest in the business. The ownership of the life insurance and the purchase and sale upon death would be required by the buy-sell agreement of A and B. In addition, the owner should assess whether “key person” insurance is needed to provide the business with working capital or whether additional life insurance is needed to pay off debt. The amount and types of insurance needed should be analyzed by the owner’s team of professional advisors. It should be noted that succession planning is particularly important for the creditors of your business. Banks that have extended credit will be keenly interested in your plan if there is an unexpected death or disability because a lack of a plan may jeopardize repayment.

~ May 2015 | buSInESSWoman

Also, a personal guaranty of a loan may be in default upon the guarantor’s death, regardless of whether the business continues to pay the debt, which can give the creditor newfound leverage. A business with more than one owner should have a buy-sell agreement between or among the owners to establish how the interest of the deceased or disabled owner will be transferred. A 100 percent owner will need to identify employees or other parties that can purchase the business. In all cases, the buy-sell agreement should address various issues such as: • How long must a disability exist or how severe must it be to trigger a sale obligation? • Will there be seller financing? • If there is real estate, is it sold as well? Seller financing often is required but presents a variety of issues that must be considered. First, how much of a down payment will be required, if any? What

amount of interest will be charged? How long will the loan be amortized, and will there be a call date before the end of the amortization period? What collateral or guarantees will support the financing? Will distributions and compensation of the owners be limited as long as the financing exists? What happens if the purchaser subsequently sells the business? As outlined above, succession planning is not an easy task and often involves competing considerations. However, the worst plan is no plan at all, so each business owner is benefited by taking the time to work with her professional advisors to develop a plan that suits the owner’s needs and concerns. • Vance E. Antonacci is a member of the law firm McNees Wallace & Nurick LLC, practicing out of the firm’s offices in Lancaster and Harrisburg. For more information about business succession planning, email VAntonacci@mwn.com or call 717.581.3701.

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WESTERN CARIBBEAN CRUISE

May 2015

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>>> CELEBRATE NATIONAL SMALL-BUSINESS WEEK <<< May 4 – 8, 2015

Computing Home Office Deductions By SYLVESTER E. WILLIAMS, IV

ne of the most difficult things for a home-based business owner or home-based employee to do is figure out the home-office deduction for their business. Moreover, this is one of the most scrutinized deductions that the IRS reviews and consistently calls into question on a regular basis. Given the historically difficult and confusing methodology used to calculate the deduction, the IRS recently announced a simplified “safe harbor” deduction calculation method. The IRS believes that the new method will reduce the paperwork and recordkeeping burden on small businesses.

There are some benefits to using this method, but take caution to make certain that the actual-expense method does not offer a better range of deductions for the home-based business owner or home-based employee. The safe harbor method is perfect for those people who want a simplified process—who don’t maintain strong records and struggle trying to calculate their actual expenses. The safe harbor offers an effective method if you are planning on selling your home and depreciation is captured in the actual-expense calculation. In other words, no depreciation is allowed for the years in which safe harbor is the elected

~ May 2015 | buSInESSWoman

method but is permitted in the years in which the actual-expense method is used. Also, if you are renting your home or have extremely low household expenses, the safe harbor calculation would make more sense. Similarly, if a taxpayer uses the actual-expense method for calculating the deduction and has had his or her deduction limited by the gross-income limitation in that year, the taxpayer can deduct this amount in the next year they use the actual method but can’t use the disallowed amount in a year they elect the safe harbor. Conversely, you should consider using the actual-expense method when you have prior excess

deductions that were carried forward and can be used in the current year. If your annual business home expense tends to exceed the net income of the business, then the safe harbor method would not make sense to use. Additionally, if you utilize more than 300 square feet in your home for business purposes, then most likely the safe harbor rule would not be the prudent way to go. If your calculation using the actualexpense method exceeds $5 per square foot (not including taxes, interest, and depreciation), it is probably wise to use the actual-expense approach for the deduction. Individual taxpayers who elect to use the safe harbor method can deduct

a simplified processâ&#x20AC;&#x201D;who donâ&#x20AC;&#x2122;t maintain strong records and struggle trying to calculate their actual expenses.

an amount determined by multiplying the allowable square footage by $5. The allowable square footage is the portion of the house used in a qualified business use, but not to exceed 300 square feet. The maximum a taxpayer can deduct annually under the safe harbor is $1,500. The optional safe harbor deduction is effective for tax years beginning on or after Jan. 1, 2013. An employee who uses a portion of his home to conduct her employerâ&#x20AC;&#x2122;s business but only at the convenience of the employer can use the safe harbor method for claiming the deduction. However, this method is not available to an employee with a home office if the employee receives allowances or reimbursements from the employer for the qualified business use of the employeeâ&#x20AC;&#x2122;s home. Using the safe harbor method in

no way changes the eligibility criteria for claiming a home office deduction, i.e., regular and exclusive use for conducting business and principal place of your business. Additional criteria that must be met in order to qualify for a home office deduction for employees who use a part of their home for business include: â&#x20AC;˘ Your business use must be for the convenience of your employer. â&#x20AC;˘ You must not rent any part of your home to your employer and use the rented portion to perform services as an employee for that employer. This safe harbor method will not affect any deductions that are available to the homeowner even if no part of the home was used for a business, such as deductions for the qualified residence interest, property taxes, and casualty losses.

Thank You, Lancaster County

for voting us your favorite GI practice 6

7 years in a row!

depreciation table and tax year. The depreciation that could have been claimed, but for the safe harbor, are forever lost. However, there is no depreciation recapture when the home is sold. Ultimately, both methods offer a deduction for the home-based operation, whether it is a business or employee, but the key in making a determination spins on the amount of the deduction and if there are rather large actual expenses or depreciation involved. It is always a good idea to speak with a financial consultant about the merits of both systems. This process should be reviewed on a regular basis.

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Four Convenient Locations

Lancaster Health Campus â&#x20AC;˘ Oregon Pike-Brownstown Womenâ&#x20AC;&#x2122;s Digestive Health Center â&#x20AC;˘ Elizabethtown www.RGAL.com â&#x20AC;˘ 717.544.3400

Visit the NEW BusinessWomanPA.com website! BusinessWomanPA.com

May 2015

cAREER

â&#x20AC;&#x153;â&#x20AC;?

The safe harbor method is perfect for those people who want

An election to use the safe harbor provision is made on the taxpayerâ&#x20AC;&#x2122;s tax return for that year. Each year, the taxpayer can choose the safe harbor provision or to deduct actual expenses, but if the safe harbor option is chosen for a particular tax year, then it becomes irrevocable for that year. Furthermore, the safe harbor provision does not allow any depreciation of home or property, including first-year depreciation under $179 to be claimed for the business use of the home for that tax year. Any subsequent claim of depreciation using actual expenses in a later tax year will be calculated according to the applicable

‘Fashion’ Your Seatbelt – It’s Going to Be A Great Day! May 30, 2015 9 a.m. – 2 p.m. Millersville University – Marauder Court 21 S. George St., Millersville By CHRISTIANNE RUPP Women of all ages will find the Lancaster County women’s expo a great way to spend their day. Features include health, fashion, home ideas, fitness, nutrition, travel, and entertainment. Every woman will go home feeling pampered and refreshed. Gather your family, friends, and neighbors together and join us on May 30 from 9 a.m. to 2 p.m. at Marauder Court at Millersville University to not only learn about products and services for you and your families, but to also watch demonstrations and entertainment designed for your enjoyment. “Fashion” your seatbelt because Christopher & Banks will be taking the stage at noon to show us what’s new for summer wear. Will it be blues, pinks, and oranges or yellows, greens, and purples? They have the clothing that fits your stature and lifestyle. Just in time for summer planting, Jodie Morris with Stauffers of Kissel Hill will be demonstrating how easy it really is to create a beautiful flowering container. Or if veggies and herbs are more your green thumb, learn how to spice up your container gardens. It’s never too late to begin a workout and get in shape, and summer will be here before we know it. Zumba is a terrific way to tone those muscles! Watch Nicole Hoover as she shows us how much fun a Zumba workout can be when you have an instructor and others in the class who “wanna have fun!” Always a big hit are the pastry demonstrations, and this one will be no exception. Chef Audrey Langenhop with the Keystone Technical Institute is nationally certified by the American Culinary Federation as a Certified Executive Pastry Chef (CEPC), and she will be doing a chocolate and marzipan demonstration on our main stage. Women are always concerned about the health of their families, so we are thrilled that Heart of Lancaster Regional Medical Center, our Demonstration Area sponsor, will be presenting two seminars from the main stage. Missing school, work, sports, or social activities due to painful cramping is not normal. We are pleased to have Thomas Fromuth, M.D., FACOG, talk about cramping and other symptoms that may be caused by endometriosis.

Also on the main stage, Michelle Fegley, M.D., with the Heart of Lancaster Regional Medical Center will talk about labor and birthing options as well as what a “baby-friendly” birthing facility is and why it is important to have a Level III NICU on site. Moms, aunts, and grandmas, don’t forget to bring the kids for the new Bricktastic LEGO® Contest, which is underwritten by Sky Zone Lancaster. Parents or guardians are invited to bring their child ages 5-12 to the women’s expo and register him or her in the Bricktastic Kids LEGO® zone. Registered children will be using their imaginations to create an awesome house out of the LEGO®s provided. Prizes will be awarded! For full details, please visit agreatwaytospendmyday.com and click on the “Contest” tab for the Lancaster County women’s expo. And if you like to shop, there will be a plethora of opportunities. It is astounding how many women have a homebased business that offers beauty and skin-care products; jewelry, scarves, bags, and other accessories; gourmet treats; nutrition and weight loss solutions; natural healing products; home accents; and more! You won’t be able to resist letting the little shopaholic come out in you. But it doesn’t end there. You will also find companies offering spa and cosmetic enhancement services, legal and financial assistance, home improvement ideas, educational resources, auto dealers, wineries offering samplings, and so much more. Sponsors of the Lancaster County women’s expo include: Domestic Violence Services of Lancaster; Emerald Springs Spa; Heart of Lancaster Regional Medical Center; The Pennsylvania Cyber Charter School; Regional Gastroenterology Associates of Lancaster (RGAL); abc27; Blue Ridge Communications; LCTV; WDAC; WFYL; and WJTL. The women’s expo is always a great way for women of all ages to spend their day.

Visit www.aGreatWayToSpendMyDay.com for free advance guest registration ($5 at the door) or for more information about participating as a sponsor or exhibitor.

For guest registration, or more information, go to:

a G r e a t Wa yTo S p e n d M y D a y. c o m 717.285.1350

Create a

container garden that will make your veggie

garden

jealous

By ROBERT SHAROFF

1. Spring Fancy Plant your favorite shade of pansy with Shasta daisies and a variegated ivy.

2. Yellow Zinger Combine a sunny yellow petunia hybrid with an African marigold (Tagetes Erecta) and a cascading green vine with gold flowers (Monopsis Lutea). Add texture with a bi-colored petunia. 3. Summertime Blues Start with Helichrysum Petiolare, a popular cascading plant with silver foliage, and then add an upright dusty miller with fuzzy white foliage (Senecio Maritima v. silver dust). For a shot of blue, pick from these splashy favorites: larkspur, a florist hydrangea, delphinium, or ageratum. 4. Hot, Hot, Hot Combine cosmos (Sunny Gold) with the chartreuse cascading Moneywort (Lysimachia Numularia v. Aurea), a burgundy coleus, and Japanese Blood Grass for texture. 5. Just the One Plant just one type of flower in a container for a dramatic display. Clifton suggests New Guinea Impatiens, Canna, or an unusual variety of old standbys such as petunia or snapdragon.

LIFESTYLE

The innovator who first planted geranium and variegated ivy together for a cheery summertime display hit on a terrific combination. So terrific, in fact, that the predictable pairing has become nearly synonymous with container gardening. But that isn’t the only winning combination. “There are so many other choices,” says Nancy Clifton, horticultural specialist at the Chicago Botanic Garden. “The only limit is the gardener’s imagination and daring.” The guidelines are simple: When selecting plants, take into consideration your site (sunny or shady); remember to balance your floral equation with upright plants and trailing plants, or bushy plants and more structured plants; and for the best effect, combine plants with different textures. Clifton suggests visiting a local garden center: “Pick one plant you love, and start from there.” Below are 10 of Clifton’s own triedand-true recipes for dramatic container gardens. You’ll even find geraniums and ivy, just not in the same container, Clifton says.

6. Geranium, No Ivy Combine an unusual variety of geranium with blood leaf (Iresine Lindenii), a small-leaf plant with intense yellow or red foliage. 7. Hot Shot Combine a yellow/orange Lantana with blood leaf and a variegated geranium. 8. All-White Mix the gray foliage plant Helichrysum Petiolare with a white Lobelia and a white cosmos, Alyssum, or white marigold.

9. Bright Spot Combine the bushy Euphorbia, with its greenish/yellowish flower heads, with a burgundy snapdragon. 10. Superb Herbs Fill the pockets of a strawberry jar with your favorite herbs. Consider thyme, oregano, basil, chives, parsley (flat and curly), and rosemary. Copyright © CTW Features

Get more container ideas at BusinessWomanPA.com/garden

• Committed to providing a unique and memorable spa experience • Customized services for both men and women Luxurious surroundings and expert staff • Reduce stress and improve your wellbeing 2 Convenient Locations: Richmond Square • Lancaster Cocoa Plex Center • Hershey 717.519.6626 717.533.5991

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May 2015

More than 20 skincare services to choose from!

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LIFESTYLE

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arts and culture • local sports • education entertainment • ideas & information Sponsor and underwrite a Program or Sport!

50 Ranck Ave. Lancaster

Volunteer Your Time and Talent with Station Productions and Operations!

717-299-0200

Job placement assistance provided to all graduates. Financial aid available to those who qualify. Scholarships available.

contact Diane Dayton, executive director: DianeDayton@aol.com

For gainful employment disclosures go to www.lancasterschoolofcosmetology.com

www.LancasterSchoolOfCosmetology.com

STILL ACCEPTING MARKETPLACE EXHIBITORS!

www.LCTV66.org • facebook.com/LCTV66 Exhibitor Criteria: Gift Items, Spa Items & Services, Health & Wellness Wellness Items, Clothing & Accessories, Any other women focused product or serv ice service

Ladies Who Lead is a half day conference presented by the Harrisburg Regional Chamber & CREDC featuring a luncheon presentation by Sherry Christian of WHP CBS21, and two breakout sessions – Leading With Style and Lessons In Leadership. Enjoy shopping in the Ladies Who Lead Marketplace and de-stress in the relaxation area. End the day with a dessert reception and doorprize announcements. Cash bar available. M ay 21, 2015 2015 May 11:0 0 AM AM - 4:00 PM PM 11:00

Best Western Western Pr emier Premier 80 0 East Park Park Drive, H arrisburg 800 Harrisburg

M ember Rate: Rate: $50 Member Gener al A dmission: $75 General Admission:

BREAKOUT SESSIONS: Leading W With ith Style Style Keely Childers Heany Editor & Associate Publisher Susquehanna Style Magazine

Panel P anel Discussion: Lessons IIn n Leadership Sheilah Borne Penn State Hershey Medical Center

Yvonne Hollins Boys & Girls Club of Harrisburg

Jeanette Krebs Bravo Group, Inc.

Jackie Parker City of Harrisburg

T To o rregister egister or for for mor moree information, information, please visit www www.HarrisburgRegionalChamber.org .HarrisburgRegionalChamber Chamber.or .org or call (717 (717)) 232 232-4099. -4099.

~ May 2015 | buSInESSWoman

Moderator: Sharon Ryan Dasher Services, Inc. Exclusive Diamond Sponsor

What the Lady Wants:

By REBECCA HANLON

How women-centric homes are taking over the housing market

hat does a woman want? Bernie Campanella thinks he has the

LIFESTYLE

answer. Women have been growing steadily as the No. 1 homebuyer in the United States, with women purchasing homes at twice the rate of men since the mid1990s, according to the National Association of Realtors. In 2012, single women made up 18 percent of homebuyers, compared to only 10 percent of single men who would sign a mortgage that year. But even in situations where couples are looking to buy a home, what the lady wants, the lady gets, said Campanella, project sales manager with Fine Line Realty in Harrisburg. “We’ve been watching this trend that started more than 10 years ago,” Campanella said. “Women are the sole and primary decision maker in about 90 percent of home purchases.” Women are looking for storage space, room for entertainment, and floor plans that offer versatility, he said. Those are just some of the items that you might find in a “womencentric” home. Fine Line Realty started building women-centric homes about five years ago when a company called Design Basics, Inc. released a system for specifically meeting the needs of women. The floor plans offered by Design Basics are color-coded to easily identify the function of each space. Large, yellow blocks indicate entertaining space, such as the dining room or kitchen. Blue showcases destressing areas, usually the master bedroom or bath suite, or a little enclave that can be used as an escape. Orange indicates spaces that can be used for storage, such as closets, laundry facilities, and rear entries.

“”

Even if a floor plan doesn’t include an island, all kitchens are built deep enough that one can be added. Finally, green, a new concept in the design, is what builders call flexible space. These rooms can be used for a variety of purposes, whether it’s a den, craft room, home office, or an extra bedroom. Can’t decide how you want to use your space? An online personality test might help. By answering a few questions, the test will give you one of four names that will help you decide which floor plan is right for you. Which woman do you most identify with? Margo likes a more contemporary look while Elise tends to be traditional. Claire is the formal one of the group, and Maggie is the most casual.

“It’s really fun, when you have that extra space in your home, to play around and see what you can do with it,” Campanella said. “Whether you’re buying a home or making renovations to an older one, women are willing to put in the effort to make it what they want.” One of the biggest areas where women like to specify their needs is in the kitchen. Islands not only give extra counter space for food preparation, but also they give extra space for entertaining and storage. In fact, even if a floor plan doesn’t include an island, all kitchens are built deep enough that one can be added, Campanella said.

Laundry closets also have been pushed out of the picture and replaced with entire rooms set aside for getting the chore done. Laundry rooms have become a one-stop working area, complete with tables for folding clothes and extra storage spaces, so items can be hidden from the view of guests, Campanella said. In addition, women are rethinking the mud room and turning the rear entry into a mini room. In this space, Campanella said, many women are putting in a pet center that often includes the installation of a pet shower or space for dog crates. “People want a space where they can clean their dog’s feet off so you

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May 2015

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don’t have the animal dragging mud or water through the home,” he said. Keeping with the theme of extra storage space, master closets are getting a makeover with travel centers, perfect for the businesswoman always on the go. Cabinets are installed specifically for the storage of travel items, so women can easily lay out their suitcases and pack up the items they’ll need most. For women who want to avoid the end-of-the-day dump—where cell phones, wallets, and even your kids’ backpacks get thrown on the kitchen counter—Campanella suggests the installation of a data center. These drop zones can be placed in the garage or foyer where mail slots, built-in cell phone chargers, and locker space for school supplies keep everything in one place. Because of modern technology and the popularity of wireless Internet, chargers for phones and even TV jacks can be installed just about

anywhere in the home, allowing these essentials to be installed where the owner would like them, Campanella said. “When you’re headed out the door, you just grab what you need,” he said. “All of these ideas were formulated by women so they have less work and can enjoy their homes without the struggle of constantly picking everything up.” While the floor plans are designed for the taste of a woman, they aren’t necessarily exclusive. In fact, some men who enjoy cooking or would rather manage the household chores are also chiming in for some of these features, Campanella said. “The one thing we aren’t seeing is single men buying homes,” he said. “All of our plans now are basically women-centric because of it. What it allows them to do is get the plan that is most functional for their family. It gives them choices, and people love choices.”

Friday, June 5, 2015 Briarwood Golf Club

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~ May 2015 | buSInESSWoman

Osteoporosis: Prevention is Key to a Better Quality of Life By REBECCA HANLON

for women who have gone through menopause, have a family history of osteoporosis, or have a very thin frame. The DEXA scan is a low-level X-ray that rates bone density on a scale. The scan can measure the bone density of the entire skeleton, as well as specific points that are more likely to break, such as the hip, spine, and wrist. The T-score indicates a patient’s bone density versus that of a healthy individual. A score above -1 is considered normal. A score between -1 and -2.5 is classified as osteopenia, and a score below -2.5 indicates osteoporosis. When someone is diagnosed with a low bone density, their bodies are either having issues losing too much bone mineral or not making enough, Joshi said. In about 80 percent of cases, she said, the patient is losing too much bone tissue. Lab tests can help determine which one the patient’s body needs the most help combating. After someone is diagnosed, they might be put on medications to help them reverse the affects of osteopenia or osteoporosis. There are three types of medications that help do that. The first are medications that work to prevent bone loss, giving the body

Dr. Renu Joshi, a 15-year endocrinology specialist at PinnacleHealth System.

time to catch up on creating new bone minerals. The most common oral medications are bisphosphonates, which include Fosamax and Actonel. These treatments are taken orally, either once a week or once a month. These medications also require that a patient not lie down for 30 minutes

“”

Taking better care of yourself today means you can do the things you love longer.

after taking one, and they can cause an upset stomach or heartburn, Joshi said. Injectable bisphosphonates are an alternative for people who might not want to take the oral medication because of the side effects. Boniva is administered once every three months, and Reclast is given once a year. The only medication for increasing bone density instead of preventing its loss is Forteo, a daily injection that can be taken for two years. “Not all of these medications work for everyone, so it’s important that people understand they might not respond to each of these,” Joshi said. While many people will need treatments the rest of their lives, some of these medications cannot be given longer than seven to 10 years because they cause spontaneous fractures in the femur, Joshi said. Because treatments aren’t perfect, the best thing people can do is work on

BusinessWomanPA.com

May 2015

WELLnESS

ne out of every two women age 50 and older in the United States will suffer from osteoporosis or low bone mass—about 44 million people—and many of them won’t even know it until a life-changing fracture occurs. For comparison, 12.6 million suffer from coronary heart disease and 16 million from prediabetes, according to the U.S. Department of Health and Human Services. “We hear about other diseases far more often than we hear about osteoporosis,” said Dr. Renu Joshi, a 15-year endocrinology specialist at PinnacleHealth System. “At the rate we see osteoporosis cases increasing, it will only get worse.” Osteoporosis is a medical condition in which the bones become brittle and fragile from loss of tissue, typically as a result of hormonal changes or deficiency of calcium or vitamin D. A less severe loss of bone tissue is called osteopenia. A bone density scan, or DEXA scan, is the only way to diagnose osteoporosis or osteopenia, Joshi said. Because there are no symptoms related to either illness, many people don’t realize they have it until they’ve suffered a fracture—putting them at a point beyond prevention, she said. While some people believe osteoporosis causes them to fall, resulting in a broken bone, it’s usually an unknown fracture, often very small, that goes undetected and causes the fall, resulting in worse injuries, Joshi said. Doctors are able to suggest an early DEXA scan if someone is on steroids, has thyroid issues or has suffered from cancer, or is on any medications to treat cancer, she said. This is especially true

prevention, she said. Kirsten Ditzler, a physical therapist for Lancaster Health Campus in the women’s health department and an expert on osteoporosis, said many people don’t realize how easy it can be to prevent this disease. The average woman should have 1,000 to 1,200 milligrams of calcium each day,

supplemented with 800 units of vitamin D to help the body absorb the calcium. While the highest amounts of calcium are commonly found in dairy products, she said, many leafy greens also provide a good amount of the mineral. Aside from diet, weight-bearing exercises are the best way to build the muscles that

Kirsten Ditzler, DPT, CLT-LANA, CWS (shown with name tag), demonstrates some exercises. Above: Part of a good osteoporosis exercise program is ensuring that you have the proper posture when performing various activities. Poor posture can lead over time to overuse injuries, improper body mechanics and excess energy expenditure. Right: “Angel arms exercise” is one of several postural exercises that is part of the normal progression of exercises introduced during osteoporosis physical therapy.

WELLnESS

kçãáå~íáçåë=kçï=_ÉáåÖ=^ÅÅÉéíÉÇW The West Shore Chamber of Commerce invites you to nominate exemplary women for the 2015 Luminary Awards Luncheon. This event highlights all nominees and awards two business women in the following categories: sáëáçå~êó=iìãáå~êó=^ï~êÇ

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Nominee submissions procedure information can be found on www.wschamber.org. Nominations due by May 8, 2015. 2015 Luminary Awards Luncheon Date: August 26, 2015

EVENT SPONSOR

~ May 2015 | buSInESSWoman

MEDIA SPONSOR

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support and protect bones, Ditzler said. “There is no gold-standard exercise that I can recommend for anybody that is the absolute best,” she said. “There is no research that says one exercise is the No. 1 way to prevent osteoporosis. But what we do know is that walking is one of the easiest weight-bearing exercises that just about everyone can do.” There is no specific speed or distance required for those who want to start walking to prevent osteoporosis, she said, but most people who start will find improvements in their spine and hips—where osteoporosis seems to hit the hardest. For patients who already have been diagnosed with osteoporosis, Ditzler said, they want to avoid any extreme bending, rotating, or twisting that can put compression and torque on the spine, leading to compression fractures. While many patients are willing to go to their doctors and get medications for osteoporosis, they don’t want to take what Ditzler calls the “e-pill”—her prescription for exercise. “A lot of people don’t want to hear that they have to exercise because they don’t want to have to do any work,” she said. “But the proper exercise can mean you might be able to live at home longer or suffer with fewer fractures.” Many of the exercises Ditzler recommends are easy, she said, even including some that patients can do before they get out of bed in the morning. Inactivity can be one of the hardest things on the spine, Ditzler said. Adding more activity doesn’t have to mean spending hours at the gym or doing a daily workout video. For some people, it’s simply walking instead of driving to their mailboxes each day. As a fulltime physical therapist with two daughters at home, Ditzler understands it can be tough to fit in time to exercise. She recommends people do leg lifts or knee kicks while brushing their teeth or cooking dinner to squeeze in a few minutes of activity. “Every little thing you do adds up,” Ditzler said. “Doing one small thing today can save you from a broken bone or a broken hip that lands you in a nursing home. Taking better care of yourself today means you can do the things you love longer.”

TURNING 50? Don’t put off colon cancer screening Colon cancer is the third leading cancer killer in the United states, yet preventable and treatable with early detection. Contact your primary care physician or call RGAL at 717-544-3400 to discuss a screening colonoscopy.

Four Convenient Locations • Lancaster Health Campus • Oregon Pike-Brownstown • Women’s Digestive Health Center • Elizabethtown www.RGAL.com • 717.544.3400

Remind your loved ones: Screening Saves Lives! BusinessWomanPA.com

May 2015

WOMEn TO

Watch

beth A. bossert, R.N., B.S.N., N.H.A.,

Kathleen Duffy bruder has joined McNees Wallace &

has been promoted to chief operating officer of healthcare services for Masonic Villages and its five locations. She provides leadership and administrative oversight of all healthcare services.

Nurick LLC’s Government Relations and Labor & Employment Practices. For the past four years, Bruder served the commonwealth as Gov. Tom Corbett’s deputy chief of staff for administration. She has also represented Gov. Corbett on numerous state and regional boards and commissions.

Michelle Mccall has been named to lead the YWCA Lancaster as interim CEO during its search to replace its retiring executive director. McCall continues as a managing principal with Implementation Management Group (IMG), a Lititzbased management consulting firm.

Sara Moyer has joined Mom’s House of Lancaster to continue their development and growth in the community and aid single parents enrolled in school full time to graduate.

Donna Harris has been hired as an account planner for Godfrey. Harris serves as the lead strategist on assigned accounts, developing and managing research that supports a marketing communication strategy and accompanying creative work. Molly O’Keefe has been promoted to the position of business development officer for Metro Bank. She will be responsible for business development in the bank’s Harrisburg East and West Shore regions. O’Keefe serves on the evaluation committee for Vickie’s Angel Foundation of eastern Cumberland County.

Do you have an announcement? Please email your announcements of career advancements and professional new hires to crupp@onlinepub.com. Electronic photos should be saved as a tiff, jpeg, pdf or eps at 300 dpi. Or mail to: BUSINESSWOMAN, 3912 Abel Drive, Columbia, PA 17512. Photos sent through mail will not be returned. Please – no duplicate releases.

While We Were Out ... CPAFE

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Harrisburg Regional Chamber of Commerce and CREDC Annual Dinner

From left: CyndiLou Foster, Warehouse Hotel; Trini Nye, The National Civil War Museum; and Penny Brady and Mary Smith, Hershey Harrisburg Regional Visitors Bureau. Some members of CPAFE and their guests show their finished artwork after a recent CPAFE social event of Paint & Create.

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~ May 2015 | buSInESSWoman

From left: Beth Miller, Susquehanna Bank; and Linda Titus, Hollywood Casinos.

From left: Tracey Tressler, Harristown Enterprises; and Jody Truesdale, Bashline Family Practice.

MEET AnD

Greet

American Business Women’s Association (ABWA) Camelot Chapter 6 p.m. 3rd Monday of the month The Radisson Penn Harris Hotel & Convention Center, Camp Hill Debra Yates, President 717.763.7814 dyates7870@aol.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 Donna Anderson 717.392.8285 donnatroptan@yahoo.com Wheatland – Conestoga Chapter 6 p.m. 1st Tuesday of the month Heritage Hotel 500 Centerville Road, Lancaster Kimberly Warner, President kwarner@murrayins.com Women @ Work Express Network 11:30 a.m. – 1:15 p.m. 2nd Thursday of the month Heritage Hotel 500 Centerville Road, Lancaster Beth Lovell blovell@comcast.net www.abwalancaster.com

Red Rose Chapter 6:15 p.m. 4th Tuesday of the month Woodcrest Villa 2001 Harrisburg Pike, Lancaster Tamara Coleman tcoleman1123@comcast.net www.iaaplancaster.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

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

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

Pennsylvania Public Relations Society 5:30 p.m. Last Thursday of the month Joan Nissley, President pprshbg@gmail.com www.pprs-hbg.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

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’s Business Center Organization (WBCO) 11:30 a.m. 2nd Tuesday of the month Sept. through April Mary Meisenhelter Debra Goodling-Kime Yorkview Hall Willman Business Center York College of PA 441 Country Club Road, York jsternerwbco@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 Theresa La Cesa Jennifer Smyser, President happydayus@yahoo.com www.wnyork.com

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

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

cOnnEcTIOnS

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

WOMEn’S nETWORKInG GROuPS

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May 2015

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