BusinessWoman November 2015

November 2015

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Take the ENTREPRENEURIAL LEAP TAX DEDUCTIONS for the CAREGIVER

Inside

WHAT’S 4 LETTER FROM THE EDITOR

7 achieving better work/life balance

Consider the appropriate technologies as a way to help get there.

9 who benefits from corporate philanthropy?

A few scenarios showing a variety of ways nonprofits can benefit.

13 taking the entrepreneurial leap What is deductible?

15 powers of attorney

New law has taken effect.

17 tax deductions for the caregiver

Who and what can be included in your tax deductions.

18 holiday decorating done differently

New ideas for decorating for the holidays.

20 what dentists wish you knew

About diabetes and dental health.

22 women to watch

New hires and promotions.

22 ACHIEVEMENTS & APPLAUSE

Awards and accomplishments.

22 while we were out

See what your colleagues have been up to.

23 meet and greet

Regional networking events and meetings.

5 cover story Kathy Phillips, the Kathy of Primitives by Kathy, never dreamed her business would take off and become an international success. She has an unbelievable active-product line of 7,500 items! And because Phillips retires about 50 percent of the items each year, she is constantly coming up with new trend-forward goods. Looks like she is a very creative person who has surrounded herself with an excellent team.

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NOVEMBER 20 EXTRAGIVE.ORG

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editors’S

November 2015

Note

hen was the last time you said, “I just really don’t have anything to do today”? It happens, but more often than not we’re saying, “I can’t squeeze one more thing in today,” or “Wow, where did the day go?”

Yep, our days are full and some of us wouldn’t know how to function any other way. But is there a way to achieve better work/life balance? Although balance feels different to each of us, read how you can reach a better solution.

Even as the country was trying to rebound from an economic downturn, corporate giving in 2014 increased to $17.77 billion. Many non-profits wouldn’t be able to exist without those contributions. Learn how several local companies’ philanthropic giving helps within their communities and sometimes beyond.

November is National Family Caregivers Month. We have included a couple of articles to help caregiver readers in their journey. Did you know there are new laws in effect regarding powers of attorney? And do you know that there are tax deductions caregivers can take? With the end of the year comes tax season. Learn more about these important topics inside this issue of BusinessWoman.

Get some holiday decorating ideas from an interior designer. From feathers, berries, and twigs to nontraditional colors, collections, and odd containers, think outside the

Vol. 12 - No. 11

PRESIDENT AND PUBLISHER

Donna K. Anderson

EDITORIAL

box when decking the halls this Christmas.

We have two exciting events for women this month.

On Thursday, Nov. 5, please join us for Keep Calm It’s Ladies’ Night Out. You can sip savory drinks, snack on delicious hors d’oeuvres, shop for the holidays, and have a great time with other women. Did I mention the $1,000 in jewelry from Koser Jewelers that will be given away? Oh, and that the first 100 online registrants will receive a free drink ticket? And that $5 of every ticket sale will go to the charity Bridge of Hope? See the back page or go to www. olpevents.com/ladies for more information or to register.

On Saturday, Nov. 7, our last women’s expo of the year will be held. It’s sure to be a fun time for women of all ages. Please see page 11 for an overview or go to aGreatWayToSpendMyDay.com for expanded details of the day’s activities and vendor participants. Register online and get in FREE ($5 at the door)!

Happy Thanksgiving!

Christianne Rupp Vice President and Managing Editor

Vice President and Managing Editor

Christianne Rupp Editor Megan Joyce Contributing Writers barbara reist dillon sandra gordon Lynda hudzick anita moore jennings kim klugh colleen s. krcelich lori royer wanda whare

ART DEPARTMENT Production Coordinator Janys ruth Production Artists Renee mcwilliams LAUREN MCNALLEN

PRINT/ONLINE SALES Account Executives

angie jacoby amy kieffer RANEE SHAUB miller

Account Representatives Brantley Lefever Jennifer Schmalhofer

ADMINISTRATION Business Manager Elizabeth Duvall Events Manager kimberly shaffer Project Coordinator Loren Gochnauer Sales & Event Coordinator eileen culp Marketing Coordinator mariah hammacher

ADVERTISING OFFICES Corporate Office:

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Chester County 610.675.6240 Cumberland & Dauphin County 717.770.0140 Lancaster, Lebanon & York County

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

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

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

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For advertising information:

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CAREER

Story

CAREER

COVER

From Humble

Beginnings

By LYNDA HUDZICK

“M

ost entrepreneurs are introverts, and I think I fit that description,” said Kathy Phillips, chief executive officer of Primitives

by Kathy. “When you are a basement operation and someone helps you name your business, you don’t really think of where it could grow to be someday.”

Yet now, 18 years after she started her business literally in her basement, Primitives by Kathy has grown into an enormously successful international company offering a wide variety of wholesale home décor and gift items— and she couldn’t be happier about how things have turned out.

Born and raised in Lancaster County, this proud mother of two said that the entrepreneurial spirit is in her blood, coming from an entrepreneurial family.

Back in 1988, she and her mother opened a gift shop and painting studio, working as a team to guide the business as it grew. Ten years later, Phillips started her own business, Primitives

by Kathy (PBK), with her mother’s blessing and support.

“I count on my mom as a support person in my life to this day,” she said.

“I often share my challenges with her over breakfast.”

At first, Phillips started by making a simple candle box by hand and then attended local craft shows selling her product. She found that the candle box was in great demand at the small shows she was attending.

“I knew I had a hot product and decided to attend my first wholesale gift show in June of 1997,” Phillips said.

“That show resulted in $85,000 worth of orders … I had no idea how I was going to make all of this product by myself.”

That was when Phillips approached Goodwill Industries for the first time, looking for much-needed assistance— and providing an exciting opportunity for others as well.

“PBK leased a workshop and hosted upwards of 150 Goodwill trainees with various mental and physical disabilities to manufacture the goods,” Phillips said. “This was a rewarding experience, working with everyone to train the tasks needed to manufacture a candle box.”

It was a tremendous way to give back to the community, and although she misses the days of working with Goodwill Industries, Phillips continues to produce such opportunities by working with the local IU-13 middle and high school age children.

“We sometimes have rework projects for them that need done on products that don’t pass inspection,” she said.

The students also enjoy attending “life skills shopping field trips’” that PBK organizes, where they are given “Kathy Kash” to spend on gifts for others from the PBK line of products.

“We do many company-wide community volunteering (projects),

“”

When I am at a tradeshow and introduce myself, I often get, ‘Are you the Kathy?’

and we try to focus our efforts to give back to the needs of people with physical and mental challenges,” Phillips said.

The company is also very committed to their employees and has implemented an employee benefit called Family Fun Day, Phillips explained.

“We host volunteer opportunities as a company, and when an employee participates, they receive an extra paid day off and $200 to go have a Family Fun Day.” The one stipulation, however, is that the employee must share three photos and a story about their day.

“The Family Fun Day stories are shared on a big share board for all employees to enjoy … Many employees have continued to volunteer and love the experiences,” Phillips said.

As PBK continued to grow and hire more people to help with that growth, Phillips had to learn to delegate and to trust in her team.

“The growth of the team continues to this day as I have recently added an upper-level management team that has really helped me concentrate on what my best contribution is to PBK:

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product development,” she said.

Because it is vital to have a well-designed product offered at a marketable price in a product-driven industry, Phillips knows that she needs to focus on what she’s best at and let others use their skills and talents to assist her in continued successful growth of PBK. “Even though I am fully familiar with all the warehouse operations, service expectations, accounting analysis, etc., I have had to trust others to lead these areas of my business, following my mission and vision.”

Currently, PBK boasts 7,500 active items in their product line.

“We retire approximately 50 percent

of those in a year’s time and develop new trend-forward goods to replace the retired items,” Phillips noted.

“There are so many items in the PBK line that it is very difficult to call out my personal favorites.”

But to avoid familiarity breeding contempt, she does not decorate her own home with items from the PBK line.

“I tend to like fun antiques that I find in my travels,” she said. “I love buying something that will help me remember that moment or that specific trip for years to come.”

One such traveling opportunity came back in 2002 when Phillips took her first trip to China to “begin

researching importing my goods,” she said. “This was a tremendous learning curve as we had to find factories that were able to provide good-quality goods, delivered on time.”

Watching a product line develop and head to market, and then witnessing the sales of that product line soar, is a thrilling experience for her.

“My perfect world would be full weeks driving the product direction.”

Back when Phillips started Primitives by Kathy, she didn’t really want to be “the Kathy” that customers now ask about.

“When I am at a tradeshow and introduce myself, I often get, ‘Are you the Kathy?’” she said.

But Phillips does enjoy meeting key account buyers and independent store owners at the tradeshows and is also always ready with a grateful note of thanks for their participation in and sharing of the success story that is PBK. But perhaps most importantly, Phillips said that she has “learned that my biggest driver is knowing that I am making a difference in many lives. Here in Lancaster, we are providing a great work culture for 110 employees.”

That’s a pretty good outcome for an introverted entrepreneur who started her company in her basement 18 years ago.

Please, Join Us! E March 12, 2016 9 a.m. - 2 p.m.

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Reserve th Your Boo Today!

The third annual women’s expo in Dauphin County will be held in spring 2016.

It features lively demonstrations, shopping, free spa treatments, and a fashion show.

Exhibitors will include:

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

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CAREER

Achieving Better Work/Life Balance

By ANITA MOORE JENNINGS

uggling a career and personal life can seem impossible. At times it feels like an endless battle between competing priorities as we search for a sliver of space on an already-packed calendar.

In today’s fast-paced world, the chant is the same inside or outside the workplace: “Do more with less.”

I want to give 100 percent to everything I do, whether it’s work or family. Being a single mother motivates me to balance the demands of a fulltime career, successfully, and act as a role model for my daughters.

I have three very talented and active girls, all at different ages. They keep me on the move but also keep me smiling. With basketball, meetings, doctor appointments, and events all competing for my time, managing my day, personally and professionally, is a challenge.

I am always looking for new ways to help improve my work/life balance.

As I strive to maintain my success, it is important to be mindful that what is “ideal” will change.

The solution that worked well in my 20s was not the same as the one that brought clarity in my 30s or the same as the one that provided stability in my 40s. I firmly believe that it is possible to manage your career and personal life while feeling satisfied with both.

The point in which you feel a balance is different for everyone. However, at this stage in my life, technology has been one of my greatest enablers, helping me find that perfect balance.

Just mentioning the word technology may make some people cringe; I used to be one of them until I realized how effective the right technology can be.

Don’t let technology intimidate you; let it benefit you.

Today’s workforce spends more than half its time on the road, working from home, or working remotely. As a result, business interactions have adapted, incorporating the use of mobile devices into daily routines.

Having the capability of working from a smartphone, tablet, or laptop

has never been more readily available.

Often this phenomenon is referred to as “enterprise mobility.”

Simply stated, enterprise mobility provides the tools and flexibility I need to stay on top of work’s demands.

Thankfully, I work for an organization that embraces enterprise mobility and has made it part of the culture. I have options instead of obstacles; I can be productive from anywhere, on any device, at any time.

fact, mobility has become key to how we operate.

My daughter’s bout with a nasty sore throat proved to be an effective test of our mobility solution. When a child is sick, there is nothing better than some TLC from Mom. How was I able to be in two places at once, taking care of my sick daughter while taking care of business? Actually, quite easily.

The morning my daughter had her sore throat I was scheduled to attend

Currently, I am a sales support specialist with United Datacom Networks, Inc. (UDNI). UDNI provides comprehensive IT solutions and services to small- and mediumsized businesses across a variety of industries.

Anyone who has worked in sales understands the importance of minimizing the time between decision and action. Having access to coworkers, customers, and information while having the same communication features and functionality, in or out of the office, is extremely beneficial to me and the rest of the UDNI team. In

a very important meeting. Without hesitation, I packed my daughter into the car and headed to the doctor’s office. Two or three years ago I would have worried about all the work waiting for me back at the office; this time I had a new outlook!

After her exam, we returned home. I tucked her into bed, put on her favorite movie, cracked the bedroom door, headed to the room across the hall and prepared for the meeting.

Sitting down in my favorite chair I opened my tablet, took a sip of tea, and joined the meeting.

Our cloud computing and unified

communications solution put all of the necessary documents, applications, and people right at my fingertips. I was able to participate and be productive.

After the meeting, her prescription was ready. We headed out to pick up medicine and some cold snacks.

Throughout the day, when I received calls or emails for sales requests, I was able to submit orders the instant they were approved, instead of delaying them until I returned to the office. The sooner an order is placed, the sooner the final product or service is ready to be delivered. This, in turn, results in shorter delivery times and more satisfied customers.

With the systems and applications UDNI provides I was able to care for my daughter and stay on top of my tasks.

Emails, reports, orders, and calls were all managed from my mobile device throughout the day at my discretion.

Staying on task, reviewing, and organizing data while remaining up to speed on daily activities have never been easier. Trust me, having the flexibility to fulfill my daughter’s request for a Popsicle, as easily as a sales order, is incredible.

Enterprise mobility has proven to be a huge advantage for me. It has helped me tremendously in achieving the type of work/life balance that’s right for me.

Additionally, I have witnessed the positive outcome it has had on our clients. To businesses that are on the fence, I would say the investment is well worth it. So many small- to mediumsized businesses are benefiting every day by having access to the same technologies as the big players.

I encourage anyone who struggles to find their balance to consider appropriate technologies as a means to get things back on track and to maintain their success.

• Anita Moore Jennings, sales support specialist with United Datacom Networks, Inc., helps customers realize the benefit of receiving their entire core IT services from a single provider with the specialized technology solutions UDNI provides. www.udni.com

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CAREER

Who Benefits from Corporate Philanthropy?

By KIM KLUGH

hen nonprofits team up with business, benefits abound. This is what corporate philanthropy can look like:

• I n 2013, Cuyana, a San Franciscobased women’s fashion brand, sponsored a hand-dug well in Maykulalit, Ethiopia, through a partnership with charity: water.

• Th rough Campbell Soup Foundation’s signature initiative, the Camden Summer Program, more than 10,000 Camden youth benefited from constructive activities provided over the summer months.

• C apital BlueCross supports health and wellness initiatives through community partnerships with nonprofit organizations.

• P roviding hunger relief, GIANT partners with regional food banks and local pantries.

• D onations of more than $5 million went to numerous local and national charitable organizations over the past 10 years from Auntie Anne’s and its employees, franchises, and crewmembers.

• D ue to Alcoa’s ACTION (Alcoans Coming Together in Our Neighborhoods) grant of $3000, in addition to a few ancillary

donations and miscellaneous gifts, St. Anne’s Church in Lancaster, Pa., installed a new Dutch-style door this past spring, creating a more hospitable and secure entryway for its brown-bag lunch distributions.

These scenarios provide a quick glimpse into the variety of ways corporate philanthropy can benefit specific nonprofit organizations. Big corporations such as Campbell’s Soup Company, McDonald’s, and Walmart impact nonprofits in big ways through multiple philanthropic initiatives.

But nonprofits can team up and build relationships with smaller businesses that are also committed to giving back. That’s because most large corporations today, along with numerous smaller businesses, have taken on corporate philanthropy as part of their identity or culture.

GIANT’s director of marketing and external communications, John MacDonald, says that founder David Javitch originally established a giving culture when he opened his first store in 1923.

“GIANT continues that practice today,” says MacDonald, as it “supports organizations that fight hunger, improve the lives of our children, and build healthy communities.”

GIANT chooses to assume the role of corporate citizen by supporting local causes in the communities where

its customers live. MacDonald says that one of the key causes for which GIANT assumes responsibility includes hunger relief in the form of donations to regional food bank partners and local pantries.

In 2014 its Meat the Needs program was able to divert more than 1 million pounds of meat from landfills and “onto the plates of those in need.”

Additionally, in 2014 through the partnering of its customers, associates, and vendors, MacDonald says that GIANT donated $3.5 million toward state-of-the-art medical care, lifesaving research, and preventative education at local Children’s Miracle Network hospitals.

GIANT also assists both private and public school children through the A+ School Rewards program, having donated more than $22 million to local schools since its launching in 2005.

The annual Support Our Troops campaign, which benefited regional USOs and the Wounded Warrior Project, is an example of how GIANT shows support for local men and women in the armed forces.

Capital BlueCross manager of community relations Amy Nilsen says that interweaving that thread of corporate social responsibility into Capital BlueCross’s identity means that “we are a community partner,

supporting nonprofit organizations that share our vision of improving life in our region through health and wellness initiatives, athletics, the arts, education, and humanitarian efforts.”

It’s a win when your nonprofit attracts and acquires a corporate sponsor, but let’s face it, relationships require work to keep them dynamic.

What can you do as a nonprofit to retain interest and strengthen your organization’s relationship with a corporation?

Joseph Sahd, business relations manager for Lancaster Catholic High School’s Advancement team, says that for them, “it’s all about establishing real relationships with people and businesses before they enter into partnership.”

After that, he says the focus is on engaging partners with the students through a variety of communication methods, including mailings and calls to action within the community, phone calls and face-to-face conversations, and invitations to school events in order to get to know each other better.

“It’s imperative,” Sahd says, “to inform people and businesses how their partnership is helping to impact the lives of the students.”

He says this is achieved through student-written thank-you letters, inviting partners to school-hosted

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events to show public appreciation and gratitude and to demonstrate how their investment helps to shape students’ lives.

“People can invest anywhere,” Sahd says, “so we are always trying to explain why their decision to invest in our students is so worthwhile.”

At first glance, corporate philanthropic efforts may appear to be advantageous only to the nonprofit organizations. Closer observation,

however, reveals that the relationship can be mutually beneficial.

Whether as a result of unintended consequences or as part of the strategic plan, as the word spreads about the good your corporation is doing, your visibility is enhanced.

With this subsequent boost in positive PR, your company profits could also increase as a result of the public’s perception of your reputation.

Many socially conscious consumers

Honor the special people on your gift list by giving HOPE to others at the

Lancaster Gifts That Give Hope Fair Saturday, Dec. 12, 2015

10 a.m. – 4 p.m.

Farm & Home Center 1383 Arcadia Road, Lancaster Give gifts that benefit local and global charitable organizations, such as: Heifer International, Church World Services, Habitat for Humanity, Lancaster Reach Out and Read, and more!

Fair trade items: Bead for Life Jewelry, Divine Chocolate, coffee, and more!

Sample food from all around the world! Rachels’ Creperie, Upohar, Urban Olive, Rafiki, and more!

www.GiftsThatGiveHope.org/lancaster-pa 10

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who favor companies that demonstrate socially conscious practices may choose to buy from you.

Similarly, you can also increase your prospects of attracting and retaining likeminded employees who value corporate philanthropy. This, in turn, promotes and strengthens employee engagement and teamwork; productivity increases with the upsurge in employee morale and pride.

“Giant associates are the best ambassadors to our communities,” says MacDonald, “and our growth and success stem from their work.”

Putting into practice its motto, “Living Here, Giving Here,” he says GIANT provides an example of good corporate citizenship in all of the markets where they operate, thereby demonstrating that companies that practice corporate philanthropy inspire other businesses to do the same.

As MacDonald emphasizes, “‘Living Here, Giving Here’ is not just a GIANT motto; it defines our belief in giving back to our local communities and the people who live in them.”

Nilsen said Capital BlueCross, which consists of about 72 percent female employees, takes pride in the fact that its “community involvement is often led by women, who volunteer their time, talents, and resources to make our region a better place to live, work, and raise a family.”

When employers, along with employees and individuals in general, support nonprofits, whether through cash giving, an investment, pro bono work, employer-matching programs, and/or volunteer time and services directly to the communities in which they live, the benefits are allencompassing.

If you’re a nonprofit with ambitious development goals and you’re worried about tapping out regular donors, why not do a little investigating and find out which corporations share your vision?

Whether for a long-term involvement or for a shorter-lived and more specific event, campaign, or project, your organization could be next in line for a philanthropic initiative.

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WESTERN CARIBBEAN CRUISE November 29 - December 9, 2015

INCLUDED FEATURES: »

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By COLLEEN S. KRCELICH, CPA

tarting your own business can be scary. It will be one of the hardest things you do, but it can also be one of the most rewarding.

There are many things to consider before you start a business. Are you financially able to quit your current job to devote all of your time to the new venture? Is the business in a growing industry? Do you have enough money saved to start the business or have access to the necessary capital?

Should you organize your business as a corporation, sole-proprietor, LLC, or partnership?

I always suggest meeting with a CPA, insurance agent, and a lawyer before starting a business. Each of them will provide invaluable guidance.

But what if your new business is more of a side venture, almost a hobby?

The IRS has a list of requirements (www. irs.gov) that will help you determine if you created a business that you have entered into for profit or if your new venture is a hobby.

This determination will decide how the venture is reported on your tax return. Questions to ask yourself include the following: • Are you engaged in the activity to make a profit?

• Are you operating this business while also working a full-time job?

• How many hours a week are you devoting to the business?

• Are you relying on the income from the business to support your personal life?

• Is the business making a profit?

The IRS typically considers something a business if it makes a profit during three of the last five years, although making a profit is not a necessity if you can prove that you operated the business with the anticipation of making a profit.

• Do you have the knowledge to successfully operate the business?

• Do you maintain a separate bank

account for the business as well as separate records of income and expenses?

• If you have losses, why did they occur? Were the losses only during the startup phase of the business?

If you or the IRS determines that you have a hobby rather than a business, then you may claim expenses related to the hobby but only up to the amount of the income. You may not claim a loss on your tax return.

If you determine that you are running a business, not a hobby, you can deduct all of your expenses related to the business, including a portion of the startup expenditures that you incur. Business expenses may exceed business income, and you may be able to use the loss to offset other income on your tax return.

Startup costs are those incurred before a business officially opens its doors for business. Some of these include spending money on items that are considered assets, such as inventory, machinery and equipment, desks and furniture, computers, and security deposits. The cost for these items is not immediately deductible but is depreciated over the items’ useful lives once the business is in operation.

You can deduct up to $5,000 of business startup costs, as long as the total amount of these expenses does not exceed $50,000, at which point the deduction begins to phase out.

The deduction is phased out dollar for dollar up to $55,000. If your startup expenses exceed $55,000, you won’t be able to claim the $5,000 deduction for the first year.

As an example, if startup costs are $51,000, the deduction is reduced to $4,000. Any remaining costs must be amortized over 15 years.

If you close your business before the 15-year amortization period, you may be able to write off the balance of the costs in the year you close the business.

If you do not start a business, these expenses are typically not deductible on your tax return.

Typical deductible startup expenditures include the following: • Market research • Product research • Fees paid to consultants • Advertising and promotion • Travel expenses to prospective business facilities • Travel costs to find suppliers and distributors • Legal and accounting advice • Logo design • Site/office selection • Employee hiring and training • Technology expenses • Licenses and permits • Supplies • Website design • Small equipment purchases Some expenses are not considered startup expenses. These expenses, when incurred prior to the business entering operations, are not deductible. These expenses may include the following:

keep good accounting records of your income and expenses. Consult with your CPA, who can help you set up a recordkeeping system. For more information about becoming an entrepreneur or to find a CPA in your area, visit www.picpa.org/ moneyandlife.

• Colleen S. Krcelich, CPA. Krcelich is the owner of Business Support Solutions LLC in Allentown, Pa., and a member of the Pennsylvania Institute of Certified Public Accountants (PICPA) CPA Image Enhancement Committee.

The Pennsylvania Institute of Certified Public Accountants (PICPA) is a premier statewide association of more than 22,000 members working in public accounting, industry, government, and education.

Founded in 1897, the PICPA is the second-oldest and fourth-largest state CPA organization in the United States.

To learn more about the PICPA, visit www.picpa.org.

• Interest expense • Taxes • Research and development Although these expenses are not deductible before you start your business, when incurred after the business is operational, they are deductible as normal operating expenses.

As you investigate a new business opportunity, and once you start operating your business, it is imperative that you

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CAREER

Taking the Entrepreneurial Leap

career

Women’s Expos – Not Just and Event ... They’re an Experience!

Nov. 7, 2015 9 a.m. until 2 p.m

Carlisle Expo Center 100 K Street, Carlisle We want to see you! The last women’s expo of 2015 will be held on Nov. 7 at the Carlisle Expo Center from 9 a.m. until 2 p.m. It’s sure to be fun for women of all ages!

More than 90 exhibitors will be under one roof, showcasing their products or services. With the holidays creeping up, you’ll have ample opportunity to find some smart gifts. I hope you’ll keep this as a secret and don’t spoil my surprise, but at the last women’s expo I bought safety devices to give as Christmas gifts to the “girls” in my family and pepper spray for myself.

I don’t think we women can be too careful when we’re out and about.

There will be a wide variety of vendors participating from nutrition, weight loss, cosmetics and skin care, and home renovation /remodeling experts, to care options, financial and legal advisers, real estate agents, and so much more.

And it’s not too early to start planning next year’s vacation, either. Stop by the AAA Central Penn Travel Fair area, held within the women’s expo, and talk with representatives about up-and-coming travel destinations … here and abroad. From a short trip to an extended journey, they’ll work with you to find a great vacation that fits your budget.

The stage will be busy with demonstrations and entertainment, so stop by often. Christopher & Banks will feature their clothing line in the fashion show; The Home Depot will demonstrate a DIH project; Justin Wire will be showing simple-todo makeup artistry; Pastry Chef Eric Bell, owner of the Carlisle Bakery, will be doing a sweet demonstration; get ready for holiday entertaining with David Everett with the JDK Group; and Holly Doan with GIANT FOOD STORES will tell us how to keep the pounds off this holiday season.

Check online at aGreatWayToSpendMyDay.com for more details, including the awesome list of exhibitors.

Sponsors of the Cumberland County women’s expo include: AAA Central Penn, Carlisle Regional Medical Center, Freedom Auto Group, Freysinger Mazda Hyundai, GIANT FOOD STORES, Jackson Siegelbaum Gastroenterology, The Pennsylvania Cyber Charter School, abc27, CBS21, NASH 106.7, NASH ICON 95.3, Red 102.3 FM, WIOO Country Gold 1000, WINK 104, and WPFG.

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

Hope, Motivation, Passion, Support — INSPIRATION Inspire others with your story.

You are invited to inspire others with your story in our special insert — — included in the March issue of BusinessWoman magazine.

Professional profiles can: • Highlight your career journey and achievements • Recognize staff who contribute significantly to the success of the company • Tell your company’s origin story — make a connection with the reader Ad Space Closing Date: Dec. 11, 2015

Ad Material Deadline: Dec. 18, 2015

PLUS ...

The added exposure of a digital e-dition and print edition.

To have your professional profile featured, contact your representative, call 717.285.1350 or email info@businesswomanpa.com. www.BusinessWomanPA.com/success-stories

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Powers of Attorney – New Law Has Taken Effect

By BARBARA REIST DILLON, Attorney at Law

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Notice to Principal For at least 15 years, principals have been required to sign a notice on the front of a power of attorney that alerts them to certain elements of the power of attorney. The new notice adds the following: Your agent must act in accordance with your reasonable expectations to

lifestyle

hen thinking about important estateplanning documents, most people think about a last will and testament, and rightly so. But while a will governs the distribution of assets after your death, what happens if you are incapacitated and need assistance during your lifetime?

A durable financial power of attorney allows someone else to make financial decisions for you if you are unable (or just need some help) to make them for yourself. The person making a power of attorney is called the “principal”; the person named to act is called the “agent.”

Powers of attorney are governed by state law. Pennsylvania’s power of attorney law was recently amended in significant ways by Act 95 of 2014.

Act 95 was signed into law in 2014 and became fully effective on Jan. 1, 2015.

While the new law does not invalidate powers of attorney made earlier, any new documents should comply with the new requirements.

Among the new requirements are the following:

Signing Requirements Powers of attorney signed after Jan. 1, 2015, must be signed by the principal in the presence of two witnesses and a notary public. Neither the witnesses nor the notary can be the agent named in the power of attorney.

While the requirement that powers of attorney must be signed is not new, the addition of witnesses and a notary is.

the extent actually known by your agent and, otherwise, in your best interest, act in good faith and act only within the scope of authority granted by you in the power of attorney.

The law permits you, if you choose, to grant broad authority to an agent under the power of attorney, including the ability to give away all of your property while you are alive or to substantially change how your property is distributed at your death. Before signing this document, you should seek the advice of an attorney at law to make sure you understand it.

While it might be tempting to quickly read over and sign the standard notice, it is important to understand the effect of the power of attorney on both the principal and the agent.

Gifts and Estate-Planning Powers Probably the most significant new feature in powers of attorney is the ability of the principal to grant specific powers to the agent to take actions that could affect the principal’s estate and financial planning.

These special powers are: 1. Create, amend, revoke, or terminate

an inter vivos (made during life) trust 2. Make a limited or unlimited gift 3. Create or change survivorship

rights

of

4. Create or change a beneficiary designation 5. Delegate authority granted under the power of attorney 6. Waive the principal’s right to be a beneficiary of a joint and survivor annuity, including a survivor benefit under a retirement plan 7. Exercise fiduciary powers that the principal has the authority to delegate 8. Disclaim property, including a power of appointment Your agent cannot take these actions unless specific permission is given. As with the notice, it is important that each option is discussed with your attorney. There is no “one size fits all” or standard set of instructions: Everyone’s situation will be different.

For instance, the ability to make gifts might be helpful to someone thinking about medical assistance

planning; on the other hand, some people are unwilling to give up that level of authority.

Acknowledgment of Agent Agents named under a power of attorney have been required to sign an acknowledgment for many years.

The agent acknowledgement must be signed by the agent before the agent can take actions under the power of attorney.

Act 95 revised the agent acknowledgement to add language specifically setting forth certain duties owed to the principal: I shall act in accordance with the principal’s reasonable expectations to the extent actually known by me and, otherwise, in the principal’s best interest, act in good faith, and act only within the scope of authority granted to me by the principal in the power of attorney.

Principals also have the option to require additional duties of their agents, such as keeping a record of all receipts, disbursements, and transactions made on behalf of the principal.

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It’s not about giving up;

It’s about giving hope.

The blue iris: a symbol of hope.

November is National Hospice and Palliative Care Month

lifestyle

Find the hope in hospice.

717-221-7890 2300 Vartan Way, Suite 115, Harrisburg, PA 17110

www.HomelandHospice.org

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Liabilities of Third Parties A power of attorney is only useful if a third party, such as a bank, is willing to accept it. Act 95 adds certain protections for those third parties that will make it more likely that they will accept the power of attorney and allow the agent to use it.

With the passage of Act 95, powers of attorney have become more complex. With the options

available to the principal, it is important that an attorney be consulted so that your power of attorney best reflects your wishes.

•

Barbara Reist Dillon is a general practice lawyer with Nikolaus & Hohenadel, LLP. Her areas of concentration include matters concern­ ing small businesses, partnerships, corporations, federal contracts, and intellectual property. www.n-hlaw.com

Tax Deductions for the Caregiver

By LORI ROYER and WANDA WHARE

C

aregivers give so freely of themselves that it is nice to know that there are some tax deductions available to a caregiver in certain circumstances.

Whose Medical Expenses Can You Deduct?

You can deduct the medical expenses of dependants, which include a qualifying child or a qualifying relative, and those dependants must be U.S. citizens or nationals or residents of the U.S., Canada, or Mexico.

You can also deduct medical expenses for a person who would have been your dependant except that: (1) he or she received more than $4,000 of income in 2015, (2) he or she filed a joint tax return with someone, or (3) you and your spouse (if a joint return) could be claimed as a dependant on someone else’s return.

You can also deduct the medical

What Costs Are Deductible?

First, the cost of medical and dental treatment is deductible. This includes the costs of diagnosis, cure, mitigation, or prevention of disease and costs for treatment for any body parts or functions of the body.

It also includes the cost of appointments, supplies, diagnostic devices, dental work, and hearing aids.

It does not include items for general health such as vitamins. It does include health insurance premiums and

also deductible.

Note also that tolls and parking are deductible and that you may be able to include meals and lodging expenses associated with obtaining medical care.

You should ask your tax professional for details regarding this.

Nursing Home and Nursing Care Include the cost of medical care in a nursing home or a similar institution as a deduction. A qualifying relative’s

November is

National Caregiver Month. ~Thank a Caregiver!~ limited amounts for long-term care insurance. Generally, you should see IRS Publication 502 for a detailed list of deductible medical expenses.

Transportation to get to medical appointments is also deductible. When using a personal automobile, a caregiver should keep a log of the mileage for each medical visit. It is deductible at 23 cents per mile in 2015. In addition, costs of ambulances, taxis, buses, planes, and similar modes of transportation are

meals and lodging at the nursing home can also be included if the primary reason for being there is the medical care.

Include wages and other amounts paid for nursing services in your home or at a nursing facility. These services do not need to be performed by a nurse as long as the services are the type of services a nurse would usually perform. If the person performing nursing services performs other types

of services, a portion of the costs may be allocated to medical expenses and deducted.

Home Modifications and Capital Expenditures A caregiver can deduct amounts paid for special equipment to be installed in the home or for improvements for medical purposes. Certain improvements to accommodate a home for a disabled condition can also be included, provided that the person lives in the home.

Section 125 Plan Dependent Care A caregiver may be eligible to use pre-tax dollars through a Section 125 Plan to provide care assistance for a spouse or other dependant who is physically or mentally incapable to care for himself or herself. Check with your plan administrator for details.

Conclusion If you are a caregiver, you should consider that you may be eligible to claim certain deductions on your tax return. For more specific information, please contact your tax professional.

• Wanda S. Whare, partner, Nikolaus & Hohenadel, LLP, representing people and companies particularly in the areas of elder law, estate planning, employment law, and business transactions. www.n-hlaw.com Lori L. Royer, partner, Sager Swisher and Company, servicing individuals and small businesses with tax, accoun­ ting, and auditing requirements. www.sagerswisher.com

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lifestyle lifestyle

First, Who Can Be Claimed as a Dependant?

The answer: a person who is a “qualifying relative.” A qualifying relative must meet the following three qualifications: First, the qualifying relative must be a member of the caregiver’s household for the entire year or have a familial relationship. Relationships established by marriage do not end with death or divorce.

Second, the qualifying relative must have less than $4,000 of income in 2015. This includes all taxable income and gross receipts from a rental property. It does not include tax-exempt income such as certain Social Security payments.

Third, the taxpayer (you) must provide more than 50 percent of the qualifying relative’s support for the year. Note that if more than one taxpayer provides support, you should see a tax professional to determine dependency status.

expenses for a dependant claimed under a multiple support agreement, but you can deduct only medical expenses paid by you; medical expenses paid by others joining the agreement are not deductible by you. Further, you may not deduct medical expenses reimbursed by others in the agreement.

lifestyle

Holiday Decorating Done Differently

I

By MEGAN JOYCE

t’s an annual ceremony of sorts: the day you emerge from the garage, basement, or attic lugging those dusty boxes that contain decades’ worth of holiday décor—garland, ornaments, candles, lights, and musical tchotchkes.

It’s the day the approaching holiday season officially descends upon your home, those wintry weeks in all their beauty, coziness, nostalgia … and, well, intermittent stress.

But don’t let the day you decorate be one of the stressful ones. If you’re overwhelmed by festive clutter or just tired of seeing the same old red-andgreen knickknacks year after year, read on.

Anita Yoder, designer and president of Heritage Design Interiors in New Holland, has some advice for “renovating” your household holiday decorations this year, whether you’re in the mood to buy new and unusual décor or inspired to do something different with the items you already have.

velvet, fur, and beads look beautiful in more formal rooms.

“When someone has a huge collection of Santas, snowmen, or angels, grouping them together can look less cluttered.”

Containers are also a useful solution

Contain the Clutter Adding merry touches to your living space doesn’t have to mean cluttering it up. One tip: Keep your snowmen separate from your Santas.

“I suggest putting things in groupings of themes and styles that are color coordinated,” Yoder said.

“Depending on the look of the Santa, place them in areas of your home that best reflect the style and color of the Santa … more elaborate Santas with

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for gathering items into recognizable groups. Bronze or antique-gold urns look great holding holiday greens and florals, and glass bowls and vases make interesting containers for ornaments of varying shapes, sizes, patterns, and colors.

Yoder proposed red pottery “if you’re looking for a punch of color.

Add berries to coordinate with the red in the pottery.”

Try New Hues Red and green are the holiday season’s classic colors, of course, but Yoder suggested trying variations, like teal with burgundy or lime green paired with traditional red.

“Another fun holiday idea is crystal and mercury class,” she added. “This theme looks beautiful without any color, or you can add a single accent color that you can change year to year.”

Yoder also recommended trying earthy colors—such as brown, rust, and copper—which are beautiful with feathers, twigs, and even antlers.

Bright colors like purple, pink, and sapphire blue go nicely with crystal and whimsical ornaments.

You can even try bringing a “non-holiday” theme into your holiday décor. Love gardening? Use sage green, peach, or ivory tones with dragonflies, birds, or owls, Yoder said.

Enamored with all things equestrian?

Intermingle plaid ribbon and horsethemed ornaments with foxes and French horns.

Mix Up Your Mantelpiece If you have a fireplace in your home, its mantel is often the focal point of a festively adorned room, and that decorative tier can hold more than just

the typical evergreen boughs and row of stockings.

“Gold and brass are returning!”

Yoder said. “You can add gilded branches, leaves, and beads to your garland along with a beautiful mix of ornaments in different shapes and sizes. Don’t forget to mix textures and coordinated colors to add interest.”

Yoder advocated pairing raspberry or turquoise with your gold and brass

rather than the traditional burgundy and wine.

Asymmetry is OK, too. Draping a garland off-center across your mantel can be eye-catching.

Return to Nature If you’re looking to purchase some new décor, experiment with some unusual pieces you might not normally consider useful for the holidays.

Since the outdoors has already come partially indoors with the inclusion of greens and a Christmas tree, why not take that theme a step further by incorporating elements of nature into your decorations? Yoder recommended working holiday berries and flowers between your ornaments to add variety to your tree.

“Another idea is to add two different ribbons throughout the tree

that coordinate in color and texture,” she said. “Depending on your theme, you can add feathers, lotus pods, and antlers.”

Whether you’d rather spend your day (or days) of yearly decorating steeped in tradition or bucking it, a few of these simple, decorative additions and techniques can help make your home a holiday feast for your eyes.

lifestyle

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What Dentists Wish You Knew About Diabetes and Dental Health

I

By SANDRA GORDON

wellness

f you have diabetes, your risk of periodontal (gum) disease, also known as periodontitis, is two to three times greater than it is for someone who doesn’t have diabetes. Diabetes doesn’t cause the gum infection, but it can make it worse and progress faster, especially if your diabetes isn’t well controlled.

“It’s a two-way street. Periodontitis can also make your diabetes tougher to control,” says Nabil F. Bissada, D.D.S, M.S.D., professor and chair of the department of periodontics at Case Western Reserve University School of Dental Medicine in Cleveland, Ohio.

To avoid this vicious cycle, prevention and awareness are key.

Listed below are six things dentists wish their patients with diabetes knew to reduce their risk of periodontitis and help them stay healthy.

Conditions in your mouth affect your whole body.

Periodontitis starts with an imperceptible bacterial infection under the gum line that can trigger your body’s inflammatory response, says Bissada.

Harmful bacteria from your mouth can travel in your bloodstream to the rest of your body, raising the level of C-reactive protein and other inflammatory markers, he says.

Elevated inflammation can decrease insulin sensitivity, making your blood sugar harder to control and increasing your risk of other inflammation-related conditions, such as atherosclerosis, which is the major cause of heart attacks and strokes.

“People with diabetes are at increased risk of atherosclerosisrelated complications anyway because of their diabetes, so it’s even more important for them to be aware of

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the link between diabetes and dental health,” says Evie Lalla, D.D.S., associate professor of dental medicine at Columbia University College of Dental Medicine in New York City.

Bottom line: “Everything in your body is connected. Having a healthy mouth can lead to lower blood-glucose levels and less chance of heart disease,” says J. Nicholas Porcello, D.D.S., a dentist in Salamanca, N.Y. Periodontitis has no symptoms in the early stages.

Over time, periodontitis can cause gums to bleed and become red and swollen and erode supporting bone, says Lalla. Teeth can become loose, migrate in your mouth, and fall out, which can make eating, especially fruits and vegetables, difficult.

“But you’re not going to experience these symptoms or pain or an abscess— telltale signs of periodontitis—until it’s

~ November 2015 | BUSINESSWoman

in its advanced stages,” Lalla says.

“By that point, it’s already too late.” A lot of damage to your mouth and the rest of your body has already occurred.

You may need to see a dentist more often.

If your diabetes is well controlled, it’s recommended that you see a dentist every six months, just as you would if you didn’t have diabetes, says Bissada.

If it’s not under good control or you have periodontal disease to some degree, you’ll need to see the dentist more frequently. Ask your dentist how often you should visit. Generally, every three to four months is typical, though you may need to go even more often, depending on your situation.

“If a patient’s diabetes isn’t well controlled, I like to see them every one to two months,” says Bissada.

Regular, professional cleaning and

scaling to remove tartar from the teeth can help keep reduce the risk of infection and keep bad bacterial levels in your mouth low.

“Your dentist is just as much a part of your healthcare team as your eye doctor, foot specialist, and physician,” Lalla says.

Time your dental appointments.

Try to schedule them in the morning.

“It’s the best time to have dental procedures for people with diabetes because blood glucose tends to be more stabilized, and you’ve recently tested your blood sugar, taken your medication, and had breakfast,” says Stephanie Kethcart, D.D.S., owner of Stephanie K Dentistry in Phoenix, Ariz.

“Normal blood glucose is between 80 and 120, but we actually like to have patients with diabetes closer to

120, especially when they’re having dental work done,” she says.

When your blood sugar is on the sweeter side, your dentist will have a greater window of opportunity to work without worrying that your blood sugar will drop too low.

Feel free to break up a long dental procedure into several visits, though.

Know your HbA1C level.

Your dentist will probably ask.

That’s the best gauge for how well controlled your diabetes is because it’s an average of your blood sugar over the past three months.

“You’re shooting for a number below 7 percent,” says Bissada.

Anything above 7 percent signals your blood sugar isn’t well controlled and can determine the dental treatment you may need or are eligible for.

For example, if you have periodontitis and need dental surgery, your dentist may not schedule it, unless it’s an emergency, until your diabetes is under better control.

“Patients with uncontrolled diabetes take longer to heal. During that time, their condition can become more complicated with infection,” Bissada says.

wellness

Do your homework.

Good oral hygiene is especially important if you have diabetes because your body generally can’t fight off infection as well as someone without diabetes.

“With diabetes, the response to infection is exaggerated, which leads to a faster breakdown of the tissues in your mouth and the support around your teeth,” says Lalla.

To prevent bad bacteria from getting a foothold between dental visits, brush your teeth twice a day with fluoridated toothpaste and an electric toothbrush—in the morning when you get up and before going to bed.

“An electric toothbrush can get through to a lot of the soft plaque on the tooth surface and massage the gums without wearing away the tissue,” says Kethcart.

Use the timer on the toothbrush or watch the clock and go at it for two minutes. Quality brushing takes that long. But don’t think brushing more often is better.

“Patients will tell me they brush their teeth five times a day—after every time they eat something. But it’s the quality of brushing that counts, not how many times you do it,” Bissada says.

Also, floss or use a Waterpik before bed. Mechanical or water flossing cleans between your teeth and gums to dislodge bacteria.

Brushing and flossing before bed is especially important because when you go to sleep, there’s less saliva flow.

“The bacteria that causes periodontal disease can proliferate because they’re not being washed away like they are during the day,” says Eugene Stanislaus, D.D.S., a dentist in Brooklyn Heights, N.Y. “If you only brushed and flossed once a day, do it before bed,” he says.

As a final step, use an antimicrobial rinse such as Listerine or ProHealth before bed, Bissada says. If you have dentures, brush them and your gums once a day with a soft-bristle toothbrush.

In a medical emergency, every minute matters. So, at Carlisle Regional Medical Center, you’ll find faster care in the emergency room. We work diligently to have you initially seen by a medical professional* in 30 minutes – or less. And, with a team of dedicated medical specialists, we can provide a lot more care, if you need it.

The 30-Minutes-Or-Less E.R. Service Pledge – only at Carlisle Regional Medical Center.

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Watch

women to

Barbara Cantrell, MAI, of Baltimore, Md., has been named as partner of Principle Real Estate Consultants, a real estate consulting firm in York. This announcement comes as a result of the firm’s expanding client base throughout Maryland, Delaware, SouthCentral Pennsylvania, D.C., and northern Virginia.

Jessie M.S. Nibley has joined Stock and Leader, Attorneys at Law, in their business, school, and litigation groups, focusing her practice in all areas of complex litigation and dispute resolution. Prior to joining Stock and Leader, Nibley worked as a litigation associate in the Philadelphia office of a nationally recognized law firm.

Applause

Christine Sobolewski, CPA, was named senior accountant at Gift & Associates. She joined the firm in 2008 and earned a degree in communication studies from West Chester University and an associate’s in accounting from Harrisburg Area Community College.

ACHIEVEMENTS &

Markley Actuarial Services, a locally owned business with

Donna Anderson, president and owner of On-Line Publishers, Inc., celebrates the 20th

17 employees, is celebrating their 30-year anniversary. John Markley celebrates this milestone with his two partners, Lisa Showalter and Lisa Pfautz.

anniversary of an ever-growing and expanding company with the help of a competent staff. Having started out focused on the senior community with her niche publication Senior News (now called 50plus Senior News), Anderson now delivers other quality niche publications and events. The publication division also includes BusinessWoman magazine, b magazine, 50plus Living, and Caregiver Solutions. The events division includes women’s expos, Keep Calm It’s Ladies Night Out, 50plus EXPOs, and Veterans’ Expo & Job Fairs.

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 ...

West Shore Chamber Expo

connections

From left to right: Stephanie Lightfoot and Jennifer Black, Bethany Village; Valerie Funk and Lita Heckler, Edible Arrangements.

Sharing your photos is now easier than ever!

Were you at a company function?

Did your company participate in charity work?

Did a co-worker receive an award?

BusinessWoman would love to share what’s happening while you were out and about!

Upload your picture(s) and descriptions at: businesswomanpa.com/whilewewereout

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Day of Caring

Above: Eighteen Metro Bank team members volunteered at the Central Pennsylvania Food Bank as a part of the United Way of the Capital Region’s annual Day of Caring. Metro’s volunteers spent the day sorting and prepping fresh local produce at the Food Bank’s Harrisburg warehouse for distribution.

See more of your colleagues online at businesswomanpa.com/whilewewereout.

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 Marianne Troy, President 717-761-9013 mariannetroy@gmail.com www.abwacamelot.com Lancaster Area Express Network 7:15 – 9 a.m.

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

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

2nd Thursday of the month Hamilton Club 106 E. Orange St., Lancaster 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 www.abwa-wc.org Women @ Work Express Network 11:30 a.m. – 1:15 p.m.

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

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

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

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

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

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

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

Red Rose Chapter 6:15 p.m.

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

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

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

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

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

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 Lori Detter, President president@wnyork.com www.wnyork.com

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

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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

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Je Priz welry e Valu Draw ed a i t $1 ng ,000 !

Thursday, November 5, 2015 5:30 p.m. – 8:30 p.m. @ Heritage Hotel at Loxley’s 500 Centerville Road, Lancaster

Grab your friends, sisters, and mom and start your holiday shopping!

Jewelry Salon & Beauty Unique Gifts FREE Spa Handbags Accessories HydraFa cials Light Bites Cocktails and More! by

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$10 guest registration online ($15 at the door)

3912 Abel Drive Columbia, PA 17512 businesswomanpa.com

Be our guest — Register to attend today!

~ career

$5.00 of every guest registration goes to Bridge of Hope!

~ lifestyle ~ wellness

Sponsored by:

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~ connections