BusinessWoman September 2014

September 2014

power lunch’14

cApITAl reGIon Event Guide

WHAT’S 4

LETTER FROM THE EDITOR

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FINANCING GROWTH

Inside

Services include: • Strategic Business Planning • Restructuring and Turnaround

Tax strategies to generate cash or enhance cash flow.

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Focused on nonprofits and small businesses

FACE TIME STILL MATTERS The key to building business relationships.

PL1-PL3 POWERLUNCH’14 CAPITAL REGION Guide

• Fund Raising and Revenue Strategy • Interim Executive Management Jeannette Archer-Simons, CFRE President/Consultant

Map, exhibitor list, keynote speaker, and networking information.

ENTERTAINMENT, SHOPPING, A FASHION SHOW, WINE SAMPLING... and more! See why you should attend the upcoming Lebanon or Cumberland County women’s expo.

6280 Wither Court • Harrisburg, PA

717.635.8354 (office) • 203.671.9773 (cell) jeannetteas@comcast.net

11 CONSIDER LIFE INSURANCE TO PROTECT YOUR LOVED ONES September has been designated Life Insurance Awareness month.

13 PEACEFUL, WELCOMING, AND FUNCTIONAL See the latest trends in custom bedding and decor.

16 PERIMENOPAUSE The untold story.

22 WOMEN TO WATCH New hires and promotions.

23 MEET AND GREET Regional networking events and meetings.

5 COVER STORY Kristie Barney, director of sales and marketing for Hospitality Management Corporation, strives to give excellent customer service, no matter how big or small the affair might be. Her attention to her clients and to every detail in the planning and execution of an event, along with an excellent team, have helped Barney to be successful in her career.

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lifestyle

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September 2014 Vol. 11 - No. 9

PRES IDENT AND PU BLISH ER DONNA K. ANDERSON

EDITORIAL

ummer is just about over. It took quite a while can be found inside. I hope you will join us and pass along to warm up, but it never became unbearably the word to your family, friends, and neighbors so they can hot for any length of time. I haven’t even had take advantage of these opportunities.

As women, it seems our hormones are always in flux. the air conditioner on at home since the end of July as nights have been on the cooler side. And just as we hit midlife, when we’re dealing with other I’m sad to see it end. However, those sneaky holidays will changes in our lives, perimenopause hits us. There are a lot of jokes about the hot flashes that accompany soon be upon us. perimenopause and menopause.

It’s also the time of year that Laugh along, but find out how you companies plan corporate meetings, can handle this stage in your life; it tradeshows, educational programs, and affects more than just you. other types of meetings. Families will be To be successful, the Doing some redecorating this celebrating anniversaries, weddings, and fall? A local interior designer shares family events. Kristie Barney, our cover first thing to do is fall how choosing the best window profile, has been working with clients treatments, bedding, and décor for for more than 13 years to make their in love with your work. your style and budget can make your events successful. She knows the ~Sister Mary Lauretta bedroom peaceful, welcoming, and importance of listening so she can functional. visualize what her clients are looking for, focusing on details so she exceeds their Thank you for making us part of expectations. your day!

It’s also the beginning of our event season. OLP Events, a division of On-Line Publishers, Inc., will be hosting seven expos this fall: two women’s expos – Lebanon and Cumberland counties; PowerLunch – Capital Region; three 50pplus EXPOs – Cumberland, Lancaster, and York counties; and new this year, the Christianne Rupp VETERANS’ EXPO & JOB FAIR – Lancaster County and Vice President and Managing Editor region. Information regarding all of these dynamic events

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Vice President and Managing Editor CHRISTIANNE RUPP Editor MEGAN JOYCE Contributing Writers BARBARA TRAININ BLANK BONNIE HARVEY LYNDA HUDZICK DEBORAH WAGNER SYLVESTER E. WILLIAMS, IV ANITA YODER

ART DEPARTMENT Production Coordinator JANYS CUFFE Production Artist RENEE MCWILLIAMS

PRINT/ONLI NE SALES Account Executives CHRISTINA CARDAMONE ANGIE JACOBY AMY KIEFFER RANEE SHAUB MILLER

ADMINISTRATI ON Business Manager ELIZABETH DUVALL Events Manager KIMBERLY SHAFFER Project Coordinator LOREN GOCHNAUER Sales & Event Coordinator EILEEN CULP Business Interns MARIAH K. HAMMACHER MOLLY CARL REBECCA MILLS

ADVERTISING OFFICES Corporate Office:

Chester County

Please join us for these events!

• Exhibitors • Health Screenings • Seminars • Entertainment • Door Prizes • Limited Sponsorship Opportunities Available

12th Annual

Oct. 22, 2014

Memorial Hall East 334 Carlisle Avenue, York

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9 a.m. – 2 p.m.

Carlisle Expo Center

FREE PARKING!

(717) 285-1350 • (717) 770-0140 • (610) 675-6240

Nov. 5, 2014

9 a.m. – 2 p.m.

Spooky Nook Sports

2913 Spooky Nook Road Manheim (Just off Rt. 283 at the Salunga exit)

www.50plusExpoPA.com ~ September 2014 | BUSINESSWoman

3912 ABEL DRIVE COLUMBIA, PA 17512 PHONE 717.285.1350 FAX 717.285.1360 610.675.6240

Cumberland & Dauphin County 717.770.0140 Lancaster, Lebanon & York County 717.285.1350 E-mail:

info@BusinessWomanPA.com

For advertising information:

717‐285‐1350 or info@businesswomanpa.com www.businesswomanpa.com

LANCASTER COUNTY

CUMBERLAND COUNTY

Sept. 17, 2014 9 a.m. – 2 p.m.

York Expo Center

18th Annual

15th Annual

YORK COUNTY

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BusinessWoman is published monthly by On-Line Publishers, Inc., 3912 Abel Drive, Columbia, PA 17512, 717.285.1350. Copyright On-Line Publishers, Inc. 2014. All rights reserved. Reproduction or use without permission of editorial or graphic content in any manner is strictly prohibited.

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It Takes a

CAREER

Great Team to Pull Off a Great Event

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Story

COVER

By LYNDA HUDZICK

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s anyone knows when you are in a customer service-related industry, the customers’ needs always come first,” Kristie Barney with Hospitality Management Corporation said. “So even though I may have work piling up on my desk, if the phone rings, it could be a client in need or better yet, a prospective client looking to book an event.”

And so her first priority rests with her clients, an attribute that has made her very successful in her field.

Although born and raised in Hershey, Barney and her husband, Rick, currently live in York with their 7-year-old son. She began her career as an event planner more than 13 years ago.

“My job at that time was to plan events for my employer, and so I worked with many caterers and venues. I then had the opportunity to change career paths and work for a large caterer as an event planner,” Barney said. “I have always been passionate about the event-planning industry; it has always been a natural fit for me.”

Seven years ago, Barney joined the Hospitality Management Corporation team as the sales manager.

“When I came on board, in addition to myself, there were two part-time sales associates, four exclusive catering venues, and one ala carte restaurant,” she said. “We now have five full-time sales associates, nine exclusive venues, four ala carte restaurants, and one quick-service café. My position was elevated to director of sales and marketing, which includes leading and managing the sales force as well as developing and implementing the marketing plan for the company.”

Hospitality Management Corporation comprises two divisions: catering services and restaurant management.

“The catering division, Altland House Catering & Events, manages nine exclusive event venues in Central Pennsylvania, focusing on corporate clients as well as weddings. Our catering division also provides offsite catering services, which allows us to cater to locations outside of our exclusive venues,” Barney explained.

The venues exclusive to Altland House Catering & Events include Liberty Forge Golf Course in Mechanicsburg; the Roundtop Mountain Resort in Lewisberry; the Valencia Ballroom in York; the Grandview Golf Course in York; the White Rose Event Center at the Holiday Inn in York; the Crossgates Golf Course in Millersville; the Altland House Inn & Suites in Abbottstown; the Majestic Theater in Gettysburg; and the Penn National Golf Course in Fayettesville.

The restaurant management division consists of five grills and pub restaurants: The Sandtrap Grill & Pub in Mechanicsburg; the Crossgates Grill & Pub in Millersville; Fenderz Grill and Pub in York; the Altland House Grill & Pub in Abbottstown; and Founders Grill & Pub in Fayettesville. Additionally, they also feature a quick-service café in Gettysburg called FLATS Original Flatbread Café.

In the hospitality industry, the phrase “that’s not my job” simply doesn’t exist.

“If there is a day where we have large events or multiple events, it’s ‘all hands on deck,’ so you could very easily find yourself plating up in the kitchen, serving, or refilling water,” Barney said. “The thing I love about my job is that there is no such thing as a ‘typical’ day.”

Unfortunately, things happen that can’t be controlled.

“Rain on your wedding day or a traffic jam causing the guest speaker to be late can basically throw the entire

Kristie Barney, director of sales and marketing for Hospitality Management Corporation.

event timeline out the door,” Barney said. “If a server drops a whole tray of meals, it is not the situation itself that can ruin an event; it’s how the situation is handled. It’s turning a negative into a positive, worrying only about the things we can control and thinking on your feet. Most of the time, if handled properly, the guests will never know about what we in the back of the house may think is a big deal.”

Since often she spends months, and sometimes years, planning an event with a client, it’s a good thing Barney considers herself a people person.

“You get to know your clients on a professional and sometimes personal level,” she said. “And every client is different, so it’s very important to get

to know them and adapt the planning process to their personality.”

Some clients prefer a phone conversation. Some prefer email.

Some simply trust her to handle the situation and don’t need to be consulted at all.

“Brides are certainly more emotional, as this is a once-in-alifetime event and they want to be in the loop and up to date on all details,” Barney said. “On the other hand, a corporate-meeting planner who holds an annual event may trust you to handle all of the details and only touch base when necessary. So you really need to get to know your client and adapt your planning style to their personality.”

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CAREER The Valencia Ballroom is a beautiful venue for any type of event. The mezzanine offers additional space for larger gatherings or a more intimate or private setting for smaller events.

Because her sales team is widely spread throughout Central Pennsylvania, Barney doesn’t always get to touch base with them on a regular basis, but because she knows she has the right team members in place, she is able to trust that they’re handling things without a lot of supervision.

“It’s also important to keep the lines of communication open so you know what challenges they are facing so you can assist them in working through those challenges. It is equally important to recognize their accomplishments so

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you can celebrate with them,” she said.

As a professional woman and a working mom, Barney has, like many others in similar situations, had to face the challenge of successfully handling both her personal life and her career.

“I do think women who have children and decide to also have a career face more challenges in finding the work/home balance,” she said.

“Being in the event industry means hours are not always 9 to 5, Monday through Friday. Technology has certainly helped by allowing moms to be more mobile.”

Because Hospitality Management Corporation itself is a local familyowned and operated business, and has been for more than 50 years, it has a strong presence and role in supporting the local community.

“I personally have been involved in many fundraisers and charitable events and find it rewarding to be able to participate in and support these events,” Barney said.

What has Barney discovered about herself over the past 13 years in this industry as she’s faced and overcome the daily challenges and last-minute

VETERANS’ EXPO AND JOB FAIR H November 14, 2014

The

Red Rose Veterans uard Honor G

nize all will recog of branches ser vice

9 a.m. – 2 p.m.

Eden Resort, 222 Eden Road, Lancaster

This event is FREE for Expo attendees and job seekers!

Please, join us! www.veteransexpo.com Sponsor & Exhibitor Opportunities Available

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surprises that come along with job?

“I have learned that it’s important to know who you are,” she said. “We all have strengths and weaknesses.

Sometimes we feel our weaknesses can hold us back, but I have found by knowing and acknowledging my weaknesses, it has allowed me to have continual growth both personally and professionally. It’s not important to know all of the answers, but it is very important to be willing to find the answers and learn from them. Take every situation as a learning experience.”

~ September 2014 | BUSINESSWoman

Special Collectio n for

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CAREER

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ash flow has always been the lifeblood of a business and critical to its growth. Limited cash flow can constrain the financial mobility of small-sized companies; however, experts believe that a comprehensive assessment of business tax strategies can assist in protecting the cash required to fund both shortterm working capital needs and longterm strategic initiatives.

Taking caution and being proactive to review your company’s existing tax strategy can be the most costeffective ways to increase your company’s cash flow. Likewise, experts contend that no single strategy works for every business, so it is essential to align your company’s tax and business strategies to make certain that both are working together to maximize shareholder value of the firm.

In actuality, strategic tax management is valuable for more than long-term operational and investment planning. It also can help you manage your company’s day-to-day revenue and expense streams. Provided herein are some suggestions that can help you better understand more about the relationship between tax strategies and cash flow.

Additionally, you will want to be very cautious in using any of these approaches, as you don’t want to violate any tax laws. Consult your accountant or attorney before moving forward with any of these ideas.

By DR. SYLVESTER E. WILLIAMS, IV First and foremost, the golden rule for maximizing cash flow from a tax perspective is to have as much revenue come into your business as soon as possible, while deferring tax payments on that revenue for as long as possible.

Under the law now, Section 179 depreciation provides immediate tax relief, increasing cash flow and reducing the after-tax costs of investing in new business property.

The Section 179 deduction allows a small business to write off up to $25,000 with a $200,000 investment ceiling. This amount must be spread out over the life of the asset.

However, the write-off amount can be accelerated within the period of depreciation. In other words, more depreciation can be used earlier or

later, depending upon when cash is expected to be received.

Another way to increase cash flow for a “new” startup business is to write off some of the expense incurred in preparing to launch the business—for instance, costs incurred while investigating the creation or acquisition of an active trade or business. Some of the eligible expenses include costs incurred for surveying markets, product analysis, labor supply, visiting potential business locations, and similar expenditures.

Equally, the cost of getting a business ready to operate before you open your doors or start generating income can be written off and reduce taxable income. For example, some of the common expenses include

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Strategic tax management is valuable for more than long-term operational and investment planning.

It also can help you manage your company’s day-to-day revenue and expense streams.

employee training and wages, consultant fees, advertising, and travel costs associated with finding suppliers, distributors, and customers.

In all these illustrations, these expenses can only be claimed if your research and preparation ends with the formation of a successful business.

Sometimes a business does not perform well in a given year and incurs an operating loss. The good news is that the loss can be used in other tax periods to offset a tax. You may apply a net operating loss (NOL) to past tax years by filing an application for refund or amended return for those years. This is called carrying a loss back.

As a general rule, it’s advisable to carry a loss back, so you can get a quick refund from the IRS on your prior years’ taxes. However, it may not be a good idea if you paid no income tax in prior years, or if you expect your income to rise substantially in future years and you want to use your NOL in the future when you’ll be subject to a higher tax rate.

Ordinarily, you may carry back an NOL for the two years before the year you incurred the loss. The carry-back period is increased to three years, though, if the NOL is due to a casualty or theft or if you have a qualified small business and the loss is in a presidentially declared disaster area.

Any part of your NOL left after using it for the carry-back years is carried forward for use for future years. You have the option of applying

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CAREER

your NOL only to future tax years.

This is called carrying a loss forward.

You can carry the NOL forward for up to 20 years and use it to reduce your taxable income in the future.

When you do this, you must attach a statement that includes a computation showing how you figured the NOL deduction. If you deduct more than one NOL in the same year, your statement must cover each of them.

Furthermore, a business can improve cash and simultaneously prepare for retirement by using a retirement plan. Saving for retirement is a key consideration for many smallbusiness owners. Some of those options include: IRA-based plans such as Savings Incentive Match for Employees (SIMPLE) and Simplified Employee Pension (SEP) plans, in addition to profit-sharing plans and a variety of 401(k) plans.

The key for the small business in using these plans is that a tax benefit exists for both the employer and

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employee. With traditional plans, employers get a tax deduction for contributions, and employees may be allowed to make pre-tax contributions and defer taxes on income until a distribution is requested.

Additionally, you must set up and fund a qualified retirement plan by the required deadline. There are different contribution levels depending on the retirement program that is used, but this is an area that should be maximized by the small-business owner.

Another method to improve cash flow for the small business is to consider charitable contributions to an eligible organization. Not only can this serve a wonderful community purpose, but the deduction can also offset income and reduce tax liability, thereby increasing cash flow.

However, be careful to make certain that you identify an eligible charitable organization, meet the IRS requirements, and understand the limitations associated with the

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category of giving. Clearly, cash and assets are the best resources to donate to a charitable organization for cashflow purposes.

Inventory accounting methods can have a profound impact on a company’s cash flow. For example, if you find your cost of goods is rising due to inflation, modifying to the lastin, first-out (LIFO) method of inventory accounting can allow you to accelerate the deduction of inventory costs when prices are rising.

This approach may provide a permanent tax deferral because lowering ending inventory values increases the cost of goods sold, thus decreasing the company’s overall taxable income.

If your company plans to build or buy a new building, you can take several tax initiatives to improve cash flow, including conducting a costsegregation study to depreciate certain building items more quickly and identifying research and experimentation expenditures that

qualify for a current tax deduction.

State and local tax incentives also should be considered during this process. Tax credits, financing incentives, or other opportunities may be available to help fund this growth.

If you plan to launch a new product that will require research and development, it’s a good idea to first conduct an R&D credit study to see if you qualify for a permanent R&D tax savings associated with the development of new or improved products, processes, formulas, software, or other technical business components.

Most of these suggestions require planning and working with an expert in the field so that mistakes are not made. It is highly recommended to develop a comprehensive strategy to use some of these options to reduce your tax liability.

The bottom line is that you should have a tax strategy in place for your business. And it should coincide with your business strategy and goals.

CAREER

The Key to Building Business Relationships

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t’s official: Email, texting, and social media are no longer just helpful, supplemental business tools. They’ve just about taken over the whole game.

Yes, technology has made many aspects of modern living more convenient and “connected,” but the pendulum has swung too far. Now, people are reluctant to do something as simple as picking up the phone, preferring to shoot off an email instead.

And face-to-face meetings—well, they’re almost unheard of.

This “technology takeover” is not without consequence. Misunderstandings abound. Relationships stagnate. Trust is at an all-time low.

And all of these issues are at least

By BONNIE HARVEY partially due to the fact that genuine human connections have been replaced by mouse-clicks and keystrokes.

Your physical presence—or at least the sound of your voice—builds trust you can’t even approach with a keyboard, screen, or profile image.

Michael Houlihan and I founded Barefoot Cellars in the laundry room of a rented Sonoma County farmhouse, and we knew almost nothing about winemaking or the wine business. I can’t tell you how many retailers, suppliers, and potential customers we visited in person during those early years.

What I can tell you is that I would have never gotten satisfactory results if I had tried to build those relationships

via email and social media. The Barefoot brand would never have become a national bestseller without meetings, phone calls, and recurring personal visits that kept relationships all over the country healthy and up to date. People don’t just buy your product; they buy you.

Of course, in a global economy, face-to-face meetings are expensive.

When clients, vendors, and even employees are on the other side of the world, it’s not economically feasible to hop on a plane every time a meeting is needed.

In these cases, Skype is the next best thing to being there. Live video streams allow you to do just about everything short of shaking hands.

If you make the time necessary for personal meetings—if not in person, then via Skype or, at the very least, on the phone—not only will they remember you, but they will also appreciate the effort you put forth.

Read on for seven specific advantages of real-time, in-person, face-to-face relationship building: The time investment shows you really care.

It’s a fairly universal truth that human beings want to be valued and appreciated. Spending time with someone else, whether that’s in person, face to face on a computer screen, or, if all else fails, via a phone call, is one of the best ways to convey these things.

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Minutes and hours spent with another person have the power to create a bond that money can’t buy.

When you spend time with others, you find out what you truly have in common, and you have an opportunity to share your opinion. Plus, visiting someone repeatedly over a period of time can also provide valuable nonverbal clues to his or her values and concerns.

You’re better able to give personalized attention.

This is perhaps the biggest key to successful sales and the establishment of any long-term relationship. Think about it: It’s hard to multitask on something unrelated when someone is physically planted in front of you, demanding your attention.

You’re focusing on the other person, responding not only to what they say, but also to their mood, movements, and many other non-verbal signals.

You will read these signs and adjust your behavior accordingly.

The next time they see you, they will be more relaxed and familiar in your

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company. And the more visits you have, the more your relationship with that individual strengthens. Trust me: People want to do business with people they know.

You’re more effective in general.

When you’re talking to someone else in real time, you can make progress in real time and solve problems in real time. Thanks to facial expressions, body language, and tone of voice, you’ll usually find out more than just the basics when you have a verbal conversation.

Facial expressions help get your message across.

Did you know that the human face has at least 20 muscles that work in concert to create a myriad of telling facial expressions? When you put it that way, the process sounds complex, but amazingly we don’t have to consciously think about forming those expressions at all. This is a powerful argument for face-to-face meetings, whether they’re in person or via Skype.

Observing those expressions during

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If you make the time necessary for personal meetings, not only will they remember you, but they will also appreciate the effort you put forth.

verbal communication can give you instant feedback about how your message is being received. You can quickly adjust your message on the spot to make it more meaningful or agreeable and avoid possible misunderstandings. Facial expressions are also an invaluable way through which to express sincerity, interest, curiosity, happiness, and more.

… so does your body language.

Unlike looking at a posed profile shot or any still image sent over email, being face to face with another person gives you the opportunity to see the other person’s dynamic reaction and make adjustments to your own message. Real-time body language provides tons of non-verbal cues that are impossible to convey in a text or email.

We’re equipped to share our own feelings and attitudes through the way we stand, sit, gesture, and more. It’s a good idea to spend a little time learning the basics of body language. … and so does your tonality.

It’s happened to everyone: You send an email that’s laced with sarcasm or humor … which the recipient totally fails to pick up on. Oops! Now you’re left frantically doing damage control.

That’s one major reason why texting, emailing, and friending can be great ways to communicate while failing to succeed at relationship building.

When spoken, the same words used in a text or email can have a very different meaning based on the tone, inflection, and the emphasis that the speaker gives. It’s much easier to “get” intentions behind the spoken word.

Your vulnerability shows (and that’s a good thing!).

In the virtual world, you can almost totally control the image you show to

other people. You choose the pictures you post on your profile. You censor the information you do and don’t want to share in your messages, posts, and updates. And usually, you can think about and edit what you want to say before pressing “send.”

But in a real-time, face-to-face relationship, the other person can see you in 3-D and observe your dynamic, spontaneous behavior, including tone of voice, expression, dress, and body language. The other party sees your human imperfections and is aware that you are vulnerable to potential personal rejection.

Imperfections and vulnerability make you appear more believable and sincere. Most people will overlook minor foibles in appearance and speech because you are literally there for them.

It’s special! This can be a big advantage in the long run. And in the short run, you take precedence over all their virtual relationships.

A relationship can start through text, email, or social media; in fact, I encourage entrepreneurs and other businesspeople to utilize those resources. But in order to be lasting and dependable, a relationship has to grow in person.

Yes, developing your face-to-face social skills will make you feel vulnerable at times. As is the case with learning to walk, though, feeling vulnerable is why we get so good at it!

•

Michael Houlihan and Bonnie Harvey are authors of The Barefoot Spirit: How Hardship, Hustle, and Heart Built America’s #1 Wine Brand, a New York Times Bestseller.

They are entrepreneurs who started the Barefoot Wine brand and ultimately sold the brand to E&J Gallo in 2005. They now share their experience and innovative approach to business as consultants, authors, speakers, mentors, and workshop leaders.

September 24, 2014 10 a.m. to 2 p.m.

Liberty Forge 3804 Lisburn Road, Mechanicsburg

Keynote: Get Paid What You’re Worth: Smart Strategies for Successful Women

Luncheon Sponsor

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Brought to you by Speed Networking Booth #

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Altland House Catering & Events ..............................................................................1 American Beauty Academy ..............................................................................8, 9, 10 Changes Salon & Day Spa ......................................................................................13 Courtyard by Marriott Harrisburg West / Mechanicsburg ......................................4

POWERLUNCH Capital Region‘14 GUIDE

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Keynote Speaker Get Paid What You’re Worth: Smart Strategies for Successful Women

12:30 p.m.

We have more women leaders and business owners than ever before. In the past several years, women have made significant strides and great progress in closing the gender gap on income. Even so, women still struggle when it comes to increasing salaries and getting paid top dollar. Our guest speaker is a business strategist and popular author who will share her “Get Paid What You’re Worth” success strategies that are easy to implement and may have an immediate impact on your income.

About Beth Caldwell ...

Beth Caldwell Keynote Speaker

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Beth Caldwell is a popular author, business strategist, and the founder of Leadership Academy for Women.

She’s best known as the founder of Pittsburgh Professional Women, a women’s resource organization in Western Pennsylvania. Beth has been recognized by Pittsburgh Magazine as one of the city’s most inspiring young leaders, and she was recently recognized as one of the “Top 20 Most Influential Women on LinkedIn.” Her books include Smart Leadership‐12 Strategies to Help You Shift from Ineffective Boss to Brilliant Leader; I Wish I’d Known THAT: Secrets to Success in Business; EMPOWER; Inspired Entrepreneurs; and Get Paid What You’re WORTH. Her passion is to empower women and help them succeed in life and business.

~ POWERLUNCH Capital Region’14 | BUSINESSWoman

Develop your business connections Session 1: 10:15 a.m. • Session 2: 11:15 a.m.

Reservations for Speed Networking will be taken at POWERLUNCH’14 on a first-come, first-reserved basis.

For more information, please contact On-Line Publishers, Inc. 717.285.1350 • info@businesswomanpa.com

POWERLUNCH Capital Region‘14 GUIDE

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~ POWERLUNCH Capital Region’14

PL3

Written by CHRISTIANNE RUPP You’ll spend a relaxing day enjoying spa treatments, wine samplings, entertainment, mini manicures, and more at the upcoming women’s expos. There will be ample opportunity for “retail therapy” at both women’s expos, which is fortunate with the holidays quickly approaching.

These events, presented by OLP Events and hosted by BUSINESSWoman magazine and b magazine, are designed by women for women of all ages.

The second annual women’s expo for the Lebanon County area will be held from 9 a.m. to 3 p.m. on Oct. 4, 2014, at the Lebanon Expo Center, 80 Rocherty Road, Lebanon, just east off Route 72.

We are thrilled to once again partner with Good Samaritan Hospital to bring this event to the Lebanon area.

Since women’s interests vary, so do the demonstrations and entertainment that have been scheduled throughout the day.

You’re sure to enjoy the fashion show featuring styles by Encore Boutique. Women loved their show so much last year that we’re bringing them back for an “encore” appearance. Different year, different styles, and a must-see at the expo.

A sweet addition to the expo is Desserts, Inc., which is owned and operated by The Hershey Pantry. Naomi Bechtel, the Pantry’s talented pastry chef who graduated from the Culinary Institute of America, will be demonstrating how to make fall-inspired cakes and cupcakes. Sounds delicious!

Women are taking on so many more home improvement projects that they are now often referred to as DIH projects – Do It Herself! Tiffany Menicheschi, a clinic leader with The Home Depot in Lebanon, will show us how we can take a standard mirror and create something remarkable using tile. Change a room’s look just by adding a beautiful accent piece!

Every woman should know the art of defending herself. We are fortunate to have Dom DeSantis, founder of Be Safe in PA, who will be talking about the importance of being aware of your surroundings. He will demonstrate moves that will enable you to separate and protect yourself from danger. Become “situationally aware.”

Matt Macis will thrill the audience with his musical performance. He has performed with Shirley Jones and others and fronted Michael Jackson’s This Is It band. He packs his shows with music, comedy, song and dance, and more.

The Greater Harrisburg Chorus, a diverse group of women with musical talent and dedicated to advancing the barbershop artform, will be singing in four-part a cappella harmony.

Sponsors of this event include: Domestic Violence Intervention, Greater Harrisburg Chorus, Griswold Home Care of Lebanon County, The Pennsylvania Cyber Charter School, WDAC, WINK 104, HOT 93.5, NASH FM 106.7, and FM 90.3 WJTL.

omen’s Expo Cumberland County

November 8, 2014

October 4, 2014 9 a.m. – 3 p.m.

9 a.m. – 3 p.m.

Carlisle Expo Center

Lebanon Expo Center

100 K Street Carlisle

80 Rocherty Road Lebanon

The Cumberland County women’s expo will be held from 9 a.m. to 3 p.m. at the Carlisle Expo Center, 100 K St., Carlisle.

Another great lineup of demonstrations and entertainment is coming together for this expo as well.

Don’t miss the fashion show featuring styles by christopher & banks/cj banks. Models will be taking the stage to reveal what women of every size and stature will want to be wearing this fall and into the holidays.

We’re all looking forward to the holidays, but not the pounds that often accompany the wonderful foods that are served. You can maintain your waistline while enjoying all this time of year has to offer. Giant’s in-store nutritionist, Holly Dean, will discuss a variety of ways to stay on track this season.

Just in time for visiting relatives and friends, join Barbara Tabak, owner of the local Decorating Den Interiors franchise, as she gives tips and ideas on how to decorate rooms that inspire. Take the fun style quiz and find out your personal decorating preference.

Our traditional end to the day is the Hula Hoop Contest.

We’ll provide the hula hoops, you provide the entertainment, and the top prize is $100 cash.

Sponsors of this event include: Giant Food Stores, PinnacleHealth, The Pennsylvania Cyber Charter School, TANGER OUTLETS HERSHEY, abc27, Red 102.3, WINK 104, HOT 93.5, NASH FM 106.7, and WIOO. Call your family and friends and meet us at the women’s expos.

You’ll have a great time and go home feeling refreshed.

Please go to aGreatWayToSpendMyDay.com today and register for your free entry ticket today ($5 at the door)!

717.285.1350

FREE advance guest registration online!

($5 at the door)

To reserve booth space, for guest registration,or for 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

Consider Life Insurance to Protect Your Loved Ones

C

By BARBARA TRAININ BLANK

LIFESTYLE

hances are, while you’ve meticulously purchased health insurance, disability protection, and other benefits over the years, you might have neglected life insurance.

According to the Life Insurance and Market Research Association, 30 percent of U.S. households have no life insurance at all; only 44 percent have individual life insurance (as opposed to group insurance through, say, an employer).

Beyond that, while 50 percent of U.S. households acknowledge that they need more life insurance, 86 percent of those haven’t bought it yet because they assume it’s too expensive, LIMRA statistics reveal. In fact, the average amount of coverage is down substantially since 2004.

About two-thirds of consumers choose “money for a comfortable retirement” as their top financial priority, but fewer than 40 percent of these consider the concerns that life insurance coverage traditionally addresses—such as premature death, funeral expenses, and leaving an

inheritance—in the same category.

That is the case, even though many Americans, again according to LIMRA, say they could not last a month without the (major) breadwinner’s salary.

Aside from the assumption that life insurance would be too expensive for them, “people are often uncomfortable talking about it or even thinking about it—the association is just too unpleasant,” said Diana Caine-Helwig, a selfemployed State Farm Insurance agent with an office on East Chocolate Avenue in Hershey.

Nonetheless, life insurance is something you should seriously consider. September is an especially

appropriate time, since it has been designated Life Insurance Awareness Month by LIMRA to raise awareness among consumers and producers about the need for life insurance.

“Life insurance can help provide for the people who depend on you financially, if you can’t be there for them,” said Caine-Helwig.

The benefits from a policy can be used for final expenses, including a funeral; to help replace lost income or employer benefits; to cover credit card and other debts; to pay off a mortgage or car loan; to finance a child’s education; to settle estate taxes; to support a charity; to create an inheritance; to care for a specialneeds child; to provide money for a

comfortable retirement; and more.

If both husband and wife work, and both salaries were taken into account to qualify for a mortgage, you have to ask yourself: How will the surviving person be able to pay off the mortgage and remain in the house with only one salary? Life insurance is a possible answer.

Life insurance isn’t just for the “traditional family” of a married couple with children. It can also benefit unmarried individuals with a significant other, stay-at-home spouses, single parents, singles, retirees, empty nesters, and business owners.

People often shop for life insurance in response to life events, such as

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LIFESTYLE

marriage, children, buying a house, etc.

“Some people think employers cover them, but they might not have as much insurance as they need,” said Caine-Helwig. “Also, people change jobs more frequently than they used to, and in this still-struggling economy, many have less discretionary income.”

While four in 10 households with children under 18 now include a mother who is either the sole or primarily earner of her family, among women who have life insurance, the coverage they have is only 69 percent of the average coverage on men, she said.

Even if you’ve taken time off from work to care for children, life insurance is still advisable.

“Moms need life insurance,” advised Caine-Helwig. “They are often financially undervalued. I recall the case of a man whose wife passed away.

He had two children and had to hire a nanny at $36,000 a year to make up for the loss and not be forced to give up his career as a pilot.”

In fact, because women generally live longer than men, they pay less for life insurance. In general, the younger you are when you buy a policy, the less expensive it is. Nonsmokers also pay less than smokers.

There are two basic types of life insurance. Term is pure protection.

People can sign up for 10, 20, or 30 years. You pay a premium for coverage and age. Permanent (or whole life) also includes tax-deferred cash value and continues throughout your lifetime.

Cash value gives you a guaranteed amount of insurance.

Some permanent plans offer dividends and interest; you can build up money for later in life and for retirement. Some plans have a rider for long-term care expenses or for disability (in which case the premium is waived).

The pro of a term policy is that it’s less expensive. The con is that the person can outlive it and never get paid benefits.

“It’s like renting vs. buying a property,” explained Caine-Helwig.

“Life insurance is about loving someone and wanting to leave something behind to provide for that person after you are gone,” said CaineHelwig.

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LIFESTYLE

Peaceful, Welcoming, and Functional

By ANITA YODER Above: From the Ware Mansion’s Designer Showhouse, custom bedding and window treatments/decorative rods and panels with roman shades.

T

By ANITA YODER

ired of poor-quality bedding that doesn’t fit your bed? Custom bedding is your answer.

Unlike ready-made bedding/bed in a bag, custom-made bedding offers so many options—various patterns, colors, and textures along with trims and accent banding.

Some mattresses are thicker than others. The distance between the box spring and the floor vary, so readymade bed skirts can be either too short or too long. A custom-made skirt will fit whatever size bed you have, from California king to twin long.

With custom-made bedding, you have your choice of shams, pillows,

Above: From the Lancaster Parade of Homes, custom bedding and window treatments/swags.

BusinessWomanPA.com

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September 2014

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LIFESTYLE From the Lime Spring Farm Designer Showhouse, custom bedding with canopy framing the headboard.

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~ September 2014 | BUSINESSWoman

and many other details. Double shams in two sizes and styles add interest and volume to your bed.

Instead of the traditional rectangular shams, consider euro shams, which are large, square pillows. Accent the bed with a bolster and accent pillows. Pillow designs are endless with shapes, mixes of fabrics, buttons and trims, and accent banding.

A throw over the end of the bed can be a less expensive accent. Throws can add texture and seasonal colors that coordinate with the room’s color and design.

If you like to change the appearance of your room from time to time, consider reversible coverlets, shams, and pillows. Coordinate the style and colors but use light and dark color tones to vary the feel of the room with the changing seasons. Mixing plaids, stripes, geometric patterns, and/or textures adds interest to your room.

If you need to keep the cost low for your bedding, consider a ready-made coverlet with a custom bed skirt and accent pillows that coordinate with your

If you have the space, add a bench at the foot of the bed. A chair with an ottoman or a chaise is another way to add color and fabric to your bedroom.

It looks great and has a function.

Instead of having all of your furniture match, consider adding a painted piece of furniture. If you have a matching dresser mirror, think about switching it out for a decorative mirror.

Night stands do not need to match.

Add a round table with a skirt that coordinates to your bedding and window treatments.

If you thought that bedding had endless options, window treatment options are also never ending. Do you want room darkening for your bedroom? You can have roomdarkening blinds and/or lined, draw draperies that can provide a dark room, which aids some people in achieving better sleep.

What color for the walls? Warm, rich colors are a restful choice for your bedroom. The right paint, faux finishes, or wallpaper will enhance

your bedding and window treatments.

It is amazing how the wrong wall finish will throw off the room.

Don’t forget the finishing touches of lamps, artwork, accessories, and floral designs. Just like the black dress, you need the right jewelry, purse, and shoes to make your outfit perfect. It is the same for home decorating. You need the finishing touches to add character and personality. Family photos, heirlooms, artwork, and books reflect the person and/or family who live there.

Interior-design specialists can assist you in choosing the best window treatments, bedding, and home décor for your style and budget.

We can work your existing décor in with new ideas and tips.

Don’t miss another issue!

• Anita Yoder, president of Heritage Design Interiors, has extensive experience with interior/exterior color and design, window treatments, product selections, and finishing touches of accessories for your home or workplace. www.heritagedesigninteriors.com

LIFESTYLE

window treatments. It is a great alternative for a custom look without the cost of the custom coverlet. This is also an option for a guest room or a child’s bedroom.

If you need a washable coverlet for your bed, consider a duvet cover in a washable fabric. Remove the duvet insert and wash the duvet cover.

Duvet clips or ties keep the insert from moving and rolling inside the cover. I love to use a heavier or upholstery-weight fabric for the coverlet. It is excellent for wear and tear while looking luxurious.

There are different weights of batting for your coverlet. Some people like to sleep under their coverlet, while others just use it for a beautiful cover, which is removed to sleep.

Upholstered headboards are a great way to add texture to your bedroom. Tufted, shirred banding, channeled, and nail heads are a nice accent for your headboard.

Depending on your style, a canopy over your bed is a classic, traditional look.

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PERIMENOPAUSE – The Untold Story

By DEBORAH WAGNER, PH.D.

P

erimenopause, the two to 10 years preceding the cessation of menses, challenges 40- to 50-yearold women with the most turbulent hormonal changes since puberty. Such hormonal changes have an enormous impact, not only on her body and how it functions, but also on her emotional state.

Far too many women think of events related to menopause as being a concern only for those in their middle to late 40s or early 50s. More enlightened women who are familiar with “perimenopause” too often think of it only in terms of hot flashes, night sweats, menstrual changes, and some occasional mood swings.

The majority of women, including those who are very well informed, are frequently shocked to learn how global the effect hormonal changes can make on depression, anxiety, and overall life satisfaction.

Even more important are the interactive effects of how life challenges and hormonal events can combine to create additional misery, not just for women themselves, but also for their loved ones.

Perimenopause Facts:

WELLNESS

• There are currently 59.5 million women in the United States in the perimenopausal period between the ages of 39 and 53.

• Typically, perimenopause begins when a woman is in her 40s but may begin as early as the mid-30s.

• The average age for menopause occurs at 51.3 years.

The mechanics of perimenopause are changes in the regular cycling of a woman’s hormones that she has been accustomed to since puberty. An irregular pattern of hormonal fluctuations, beginning with a significant rise in levels of estrogen and ending with a gradual overall decrease in estrogen and progesterone, is activated.

The most troublesome aspect of this change is that the decrease in hormones is neither linear nor predictable. It is the erratic rise and fall of the hormones throughout perimenopause that creates physiological and emotional havoc.

A large majority of these women will endure significant emotional and psychological upheaval during their

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~ September 2014 | BUSINESSWoman

changes, such as depression, anxiety, issues with sexuality and body image, insomnia, job dissatisfaction, marital difficulties, and frustration in other relationships, often leaving women with a diminished sense of contentment with life in general.

Not all women experience perimenopause the same way. For some women, perimenopause is relatively uneventful, bringing change but not to a disruptive level. For other women, the strength of the perimenopausal changes can be of an intensity that brings significant distress. The good news is that the instability does stabilize over time.

Most women will pass through four psychological stages of perimenopause. I identify and define these as: • Stage I – Perimenopausal Initiation • Stage II – Emotional Disruption • Stage III – Turbulence • Stage IV – Quietude

emotional events. These include: the loss of her fertility, changing sexuality, aging parents, and the emptying of her nest, resulting significant changes in her perspective on herself, her spouse, and her self-defined meaningfulness.

She is vulnerable to suffering an identity crisis equivalent in magnitude to one experienced in the teenage years. In addition, she will likely have stressful and challenging financial struggles as she manages both college tuitions and preparation for retirement. She is in the process of developing an entire new self as she evolves and redefines herself both physiologically and psychologically.

While women struggle through this difficult transition, their loved ones are struggling, too. Husbands and children have even less of an understanding of what is going on than the women themselves.

A wonderful example of the frustrations that so many men experience is Frank, who was happily married for 28 years to his 48-year-old wife. In the throes of hormonal and

emotional changes, his wife was miserable, and Frank was distraught. In a moment of utter helplessness, Frank implored, “Help me to understand, Doc; I am just a laborer. I don’t know what’s happening to my wife.”

Because of the hardship suffered by the women and the hardship imposed on the loved ones of the women making this transition, it is important for the whole family to speak openly, share informational materials, and find ways to mutually support one another.

With this type of approach, rather than becoming a destructive force that strains a family’s strength and wellbeing, a family can discover new strength and methods of mutual support.

• Deborah Wagner, Ph.D., is a diversely trained developmental psychologist, women’s mental-health expert, and author of the new book, The Fifth Decade: Is It Just My Life or is it Perimenopause? www.DeborahWagner PhD.com and http://thefifthdecade.com

WELLNESS

There is an increasing sense of internal distress and outward emotional unpredictability in Stages I through III. Stage IV, Quietude, is when emotional liability begins to level out—leaving women as calm or calmer than before they entered perimenopause.

Many women in the menopausal transition also experience changes in their thyroid functioning, resulting in a decrease in their thyroid hormone levels. This adds to the challenging hormonal effects on mood and energy, since hypothyroidism (low thyroid function) creates many of the same depressive and mood-changing effects as perimenopause.

The relationship between changing female hormone levels and the body’s requirement for thyroid hormone is important to understand. When women’s estrogen levels are high, their bodies require more thyroid hormone.

Conversely, when women’s estrogen levels are low, their bodies require less thyroid hormone. In women with healthy, well-functioning thyroids, this is not a problem, since the thyroid secretes the appropriate amount of thyroid hormone to fit the body’s requirements. When the thyroid is not adequately functioning, as is common in the 40s and 50s, problems are likely to arise.

As women progress through perimenopause, their estrogen levels are changing frequently and drastically. This places a huge demand on the thyroid to manage the appropriate levels of thyroid hormone.

When the thyroid is ailing, the level of thyroid hormone will be inadequate for the needs of the body. A visit to the doctor, even when blood work is done, may yield misleading results.

If at the hour of the visit, your estrogen levels dip, the thyroid hormone level may appear adequate, even though the thyroid may be grossly inadequate for those times that estrogen levels are high. At that time, the thyroid will not be able to keep up with the demand.

Unless your doctor is familiar with the changing hormonal levels during perimenopause and how that interacts with your thyroid, he or she will likely miss the source of your symptoms.

If this isn’t enough … simultaneous to these vast hormonal changes, the typical 40- to 50-something-year-old woman is coping with some hefty

BusinessWomanPA.com

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WOMEN TO

Watch

Michelle M. Farren has joined F&M Trust as financial services officer and Camp Hill office manager. Farren brings nearly 10 years of banking experience to F&M Trust. She has completed a variety of banking courses offered through the American Institute of Banking (AIB).

Melissa L. Setnar has joined Integrated Business Consultants in Lancaster, Pa. She has more than two dozen years of experience helping people achieve their financial goals. Setnar is on the outreach committee of her church and is a Girl Scout leader.

Erika Nevins recently began as the director of life enrichment at Landis Homes. She is responsible for oversight and coordination of the total resident wellness programming including physical, social, spiritual, intellectual, and vocational wellness and the general activities program at Landis Homes.

Lisa Painter has been hired as vice president of collections for Members 1st Federal Credit Union. She brings 29 years of banking experience, having spent the majority of that time in collections.

Jordan Stephens has been named the

Dr. Melissa Vayda has been named

new social media coordinator for The Brenner Family of Dealerships.

Stephens is currently majoring in business management and marketing through HACC.

Volunteers of America of Pennsylvania’s president and CEO. Vayda is the founder of the Addiction Foundation, a nonprofit that raises funds to improve treatment affordability through scholarships to those in need.

Do you have an announcement?

Please email your announcements of career advancements and professional new hires to crupp@onlinepub.com.

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Or mail to: BUSINESSWOMAN, 3912 Abel Drive, Columbia, PA 17512. Photos sent through mail will not be returned.

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~ September 2014 | BUSINESSWoman

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 Continental Yorktowne Chapter 6 p.m.

4th Tuesday of the month The Roosevelt Tavern 400 W. Philadelphia St., York 717.891.7808 Lancaster Area Express Network 7:15 – 9 a.m.

3rd Wednesday of the month Lancaster Country Club 1466 New Holland Pike, Lancaster Julie Welles 727.207.8424 julie@sparkmission.com www.LAEN-ABWA.com Lebanon Valley Chapter 6 p.m.

4th Wednesday of the month Marabelle’s Restaurant 1352 Cumberland 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

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

3rd Thursday of the month Rotating location Cynthia A. Sudor 717.469.7329 casudor@gmail.com www.ewiharrisburg.org Harrisburg Business Women 11:30 a.m. – 1:30 p.m.

2nd Tuesday of the month Best Western Premier Central Hotel & Conference Center 800 E. Park Drive, Harrisburg Lynne Baker 717.215.2327 info@harrisburgbusinesswomen.org www.harrisburgbusinesswomen.org Insurance Professionals of Lancaster County (IPLC) 5:45 p.m.

3rd Tuesday of the month Heritage Hotel 500 Centerville Road, Lancaster Krista Reed 717.945.4381 kristathompson101@comcast.net

Hershey Chapter 5:30pm 2nd Tuesday of the Month Hershey Lodge 325 University Drive, Hershey Wendy Snavely, CAP-OM, President Meagan Bair, CAP-OM, President-Elect 717.508.1710 mbair@hersheypa.com www.hershey-iaap.org

Professional Women’s Business Network (PWBN) 8:30 – 10 a.m.

1st Monday of the month Park City Diner 884 Plaza Blvd., Lancaster Maria Quaranta 717.271.1250 mariapwbn@yahoo.com www.pwbn.org

Red Rose Chapter 5:30 p.m.

4th Tuesday of the month Woodcrest Villa 2001 Harrisburg Pike, Lancaster Barbara Tollinger btollinger@normandeau.com www.iaaplancaster.com

Shippensburg Women’s Area Networking (SWAN) Noon 1st Wednesday of the month Rotating location Lisa Mack 717.609.3781 lisamack.re@gmail.com

White Rose Chapter of York 6 p.m.

3rd Wednesday of the month Normandie Ridge 1700 Normandie Ridge Drive, York Dorothy Keasey 717.792.1410 djkeasey@comcast.net

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

2nd Tuesday of the month September through April Alumni Hall, York College of PA Mimi Wasti mwasti@ycp.edu

Mechanicsburg Business Women 11:30 a.m. – 1:30 p.m.

3rd Wednesday of the month Rotating location 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 717.861.8720 jnissley@pa.gov www.pprs-hbg.org

Women’s Independent Networking Group (WING) Noon 1st and 3rd Wednesday of the month Out Door Country Club 1157 Detwiler Drive, York Lisa Barshinger 717.747.6393 info@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 tlacesa@aol.com

International Association of Administrative Professionals Harrisburg Chapter 5:30 p.m.

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

CONNECTIONS

Women @ Work Express Network 11:30 a.m. – 1:15 p.m.

2nd Thursday of the month Heritage Hotel 500 Centerville Road, Lancaster Virginia Klingensmith vklingensmith@unioncommunitybank.com

Yellow Breeches Chapter 6 p.m.

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

WOMEN’S NETWORKING GROUPS

www.wnyork.com

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Please, Join Us! (see inside for details)

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Fashion Show Holiday Shopping Wine Tasting

LANC., PA 17604

October 4, 2014 Lebanon Expo Center 80 Rocherty Road Lebanon

Health & Wellness • Finance • Home Technology • Beauty • Nutrition and more!

FREE advance registration online! ($5 at the door)

Woman BUSINESS

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