Somerset County Women's Journal October November 2013 by Somerset County Women's Journal

Somerset County ’ WomensJournal

Inaugural Edition

A Free Bi-Monthly Resource for the Women of Somerset County

Recognizing Breast Cancer Awareness Month

In This Issue:

Your Chamber.... Your Community! A Gender Under Siege By Alzheimer’s Disease Estrogen: Are You Really Better Without It? Breast Reconstruction: Your Options Breast Cancer: Attacking The Very Bosom Of A Woman’s Femininity What’s In Your Water?

Dear Readers Somerset County ’ WomensJournal Somerset County Women’s Journal Jackie Roberts Media, LLC 458 Elizabeth Avenue, Suite 298 Somerset, New Jersey 08873 908-300-3905 Publisher: Alicia C. Cameron scwjournal@gmail.com Editor Whiz Marks www.whizmarks.com Printer Print Innovators www.printinnovators.com Graphic Design Jelly Graphics www.jellygraphics.com

Let Us Unite....as we Inform, Educate and Empower Our Community The Women’s Journal is published bimonthly and is available free of charge, by subscription, at display stands in approved private and public establishments and authorized distributors only. Trademark and U.S. Copyright laws protect The Women’s Journal. No part of this paper may be reproduced without the written permission of the publisher. The Women’s Journal is not responsible for any editorial comment (other than its own), typographical errors from advertisements submitted as camera ready or any reproductions of advertisements submitted as camera ready. If an advertisement does not meet our standards of acceptance, we may revise or cancel it at any time, whether or not it has been already acknowledged and/ or previously published. The advertiser assumes sole responsibility for all statements contained in submitted copy and will protect and indemnify The Women’s Journal, its owners, publishers, and employees, against any and all liability loss or expense arising out of claims for liable, unfair trade names, patents copyrights and propriety rights, and all violations of the right of privacy or other violations resulting from the publication by this newspaper of its advertising copy. Publisher shall be under no liability for failure, for any reason, to insert an advertisement. Publisher shall not be liable by reason of error, omission and/or failure to insert any part of an advertisement. Publisher will not be liable for delay or failure in performance in publication and/or distribution if all or any portion of an issue is delayed or suspended for any reason. The publisher will exercise reasonable judgement in these instances and will make adjustments for the advertiser where and when appropriate. The Women’s Journal assumes no responsibility for unsolicited material or reproductions made by advertisers. This newspaper will be published by the 15th of every other month.

Publishers Page

Welcome to the Inaugural Edition of the Somerset County Women’s Journal. Being a native of New Jersey and raised right here in Somerset County, I am honored to connect you with some of the best professionals in the country. You will quickly find that the Women’s Journal is committed to bringing you educational and enlightening articles that will empower you to make informed decisions that will enhance your life and the lives of your loved ones. The contributors in our publication are dedicated to delivering rich content and quality information. They have established themselves as the leading authorities in their respective fields. Our goal is to help you as a woman, a mother, a wife, a daughter and/or friend by bringing you substantive content that will allow you to evolve into the BEST you in every area of your life. This publication is for YOU! In this edition, we are spotlighting Breast Cancer Awareness month. “Breast Cancer: Attacking the very Bosom of a Women’s Femininity” is an excellent inspirational article written by breast cancer survivor Paula Flory of the YWCA of Princeton, NJ. Once you have read Paula’s inspiring words, then read the article about breast reconstruction followed by the uplifting message in the article entitled “It’s Time”. Breast cancer survivors, we honor YOU! Lastly, the Inaugural Edition is dedicated to my grandparents, Jacquelyn (Jackie) Cameron and Robert Cameron. The two of them moved to Somerset, New Jersey in 1970 with their four children and remained here until their passing. Jackie Cameron passed in 2002 after an outstanding career as an educator in the New Jersey School system for over 30 years. I am elated to continue the legacy of education as I use this powerful platform to Inform, Educate and Empower our Somerset County community.

- Thank You, Alicia C. Cameron, Publisher

Want Home Delivery?

Somers Womene’ stJCounty ourn A Fre

e Bi-M ont hly Recognizing Breast Can cer Awarenes s Mon th

Subscribe To The Somerset County Women’s Journal Kindly enter my subscription for SOMERSET COUNTY WOMEN’S JOURNAL A one-year subscription (6 issues) via First Class Mail is $24 Check or money order payable to: A Jackie Robert’s Media Company, llc 458 Elizabeth Avenue, Suite 298 Somerset, New Jersey 08873

Res our

Inaugural Edition

ce for the Wo men

of Som ers

et Cou nty

In This I

ssue:

Your Ch amber.... Your Co A Gender mmunity Under ! Sie ge By Estrog Alzhei en: Are mer’s Dis You Rea Breast ease lly Bet Recon ter Wit struct hout It? Bre ast ion: You Cancer r Option : Attack s What’s ing The Ver In You r Water y Bosom ? Of A Wo man’s Fem ininity

NAME ADDRESS

On The Cover...

Dr. Lawrence Davanzo - DO, FCCP, FAASM, Arianna Schurott - Office Manager, Steve Sileo Practice Manager, Lee Ann DeGregoris - Medical Assistant, Theresa O’Connor - Respiratory Therapist Photographed By Incpics Studios Photographed At Brunswick Pulmonary And Sleep Medicine Located At 49 Veronica Ave, Suite 105 Somerset, NJ 08873 Please read their article in this issue entitled, Pulmonary Disease and Sleep Disorders: The Affects on Women.

Table OFContents

Community andEducation Health andMedical People INProfile

Alicia Sh Complian with a Ba ly 2007. Principal Series 99 all broke human re years wo to assist

Health andMedical

d Fashion an Beauty F Table O Contents

Fitness andLifestyle Publishers Page 15 Paula Flory

Business andFinancial Women INProfile

Health andMedical

dBeauty Fashion YvetteanLong

Health andMedical Fashion andBeauty

Fashion andBeauty 23 d Fitness an Lifestyle Alicia Shope

Fitness andLifestyle This Issues Women In Profile............4-5 Juicing 4 Awareness...............................14 Master Personal Training................…26 d Business dLifestyle an Financial Fitness n a Breast Cancer..........................................15 What’s In Your Water?..........................27 dMedical d Health n Health d a Home an Medical Breast Reconstruction.....................16-17 Football For Business.............................28 an Garden Business ndFinancial Lung Disease & Sleep...............................6 It’s Time...................................................18 It’s All AboutaEnergy.............................29 Hormone Replacement.............................7 Trainer Joe’s.............................................36 Home andGarden d Business Financial n Reverse Diabetes Naturally.....................8 a d Fashion Fashion andBeauty an Beauty d Probiotics And GI Disorders..................9 Investments In Turbulent Times........20 Dining Entertainment n a d A Gender Under Siege By Alzheimer’s....10 Your Chamber... Your Community!.....21 Caring Home For Your Skin.............................31 an Garden Partnering In Long Term Care...........11 Resume Holding you Back?..................22 d Dining dGarden an Entertainment Home n Fibroids.....................................................12 Incentivizing Savings.............................23 a d Fitness andLifestyle Fitness an Lifestyle What Is Collaborative Divorce?..........24 Sweet Red Wines.....................................33 Community andEducation Dining andEntertainment Building Futures, Building Hope........13 Dining Children Exploding With Talent..….19 ndEntertainment CommunitydandEducation a d Business Financial n Business an Financial a Professional Photographer...............…25 People INProfile Inspired Approach.............................…30 Community ndEducation a INCPICS® Studios.................................35 People INProfile dEducation Community d n Home a Home andGarden an Garden Table OFContents People INProfile We Would Love To Hear Your Feedback! Table OFContents People INProfile Dining aWe ndEntertainment Dining andEntertainment hope you love our new magazine Publishers Page Table OFContents as much as we do. Please feel free to reach out to us and tell us what you Table FContents Publishers Page think? what would you like to see O dEducation Community Community andEducation anof Women Profile more inIN the future? What did you Publishers Page find to be the most interesting and informative? Drop us a quick email: Women INProfile Publishers Page scwjournal@gmail.com People INProfile People INProfile We are here For You! Women INProfile 3 Breast Cancer Awareness

Testimonial:

We chose CGMA as our financial advisor back in 1996 a guidance on the right investments and the right way to City.

Over the years, we have referred family, friends, and co

CGMA is an honest company, one who truly looks out fo -Bryan and Lisa Dougherty

WomeninProfile Laura M. D’Orsi Laura D’Orsi was raised in New Jersey. She is certified by the Supreme Court of New Jersey as a Matrimonial Law Attorney and practices matrimonial law in Red Bank, at the Law Offices of Laura M. D’Orsi, LLC. She has been a licensed attorney since 1990 and has practiced matrimonial law exclusively for 11 years. Laura is a member of the Jersey Shore Collaborative Law Group and is a Certified Mediator. She regularly assists the Court with Court ordered mediations. In addition to practicing law, Laura has also helped run a battered women’s shelter in Essex County, which was a project very gratifying to her.

Diana Sieberg Diana Sieberg, IOM, Vice-President, Member Services for the Somerset County Business Partnership. Beginning her not-for- profit career with the Somerset County Chamber of Commerce in 1996, Diane has maintained her position handling Member Services through the 2001 merger that resulted in the formation of the Business Partnership. Continuing her education, Diane has since graduated from the United States Chamber of Commerce “Institution for Organizational Management with a Certificate in Nonprofit Organization Management.” Owning an appliance business with her husband offers a unique perspective into the needs of small business owners and the ability to customize Partnership benefits to enhance prosperity. A first-hand understanding of members and potential members’ challenges helps to provide the necessary services for our members to succeed.

Dana Filipone Dana Filipone is a seasoned professional Art Director and Graphic Designer with over 20 years of experience. She graduated from The Fashion Institute of Technology in New York City, where she studied Graphic Design and Illustration. Over the years, Dana has gathered a wealth of experience, having her hands in many aspects of the advertising business industry, from agency studio manager, to senior graphic director in the corporate world, just to name a few. Dana’s passion for her work and the people she works with makes each day a true pleasure. Clients and their specific vision and message are first collected, and are executed and fine tuned for an excellent end product. Dana is currently part of the INCPICS Studios team as the Art Director and Graphic Designer for the company. She was born and raised in New Jersey and currently resides in Sussex County, New Jersey. For more information and to view samples of Dana’s work, view her portfolio at www.coroflot.com/dmf.

Women Profile in

Kelly McPadden, RT(R)(T), LMT, HC Kelly McPadden has trained as a radiologic technologist and has practiced for over twenty years. Early in her career she took additional studies in womenâ&#x20AC;&#x2122;s imaging, specializing in mammography and is licensed through the ARRT. Her training at The Institute for Integrated Nutrition combines a mind/ body approach to health and nutrition. Kelly is also a New Jersey licensed massage therapist. She has a special interest in helping clients that are dealing with complicated pain issues, but specialize in injury recovery and prevention. In addition, she provides general relaxation massage for stress reduction. Kelly McPadden is part of the Improve Health Solutions Team. Learn more at www. improvehealthsolutions.com

Venita S. Welcome Venita S. Welcome is the President/Clinical Director of Christian Wellness Center of NJ (CWCNJ) which was established in 2003 as a non-denominational counseling center. The Center provides counseling for people residing in Central New Jersey and surrounding counties. Mrs. Welcome provides counseling services to address the needs of the community and faith-based organizations, for example, chronic illness, individual, couples, family counseling, and spiritual counseling. Depression, grief and loss, anxiety, addictions, chronic illness and intimate partner violence are a few of the topics that are addressed in counseling. Mrs. Welcome established CWCNJ while working for a domestic violence center. She saw women struggle with their faith and survival. She designed CWCNJ to be a safe haven that ensures confidentiality and a non-judgmental environment. She continues to be a visionary and organizer in creating innovative programs/workshops that address todayâ&#x20AC;&#x2122;s issues. Non-traditional support groups are topic-focused and provide support and encouragement while building small group communities. One such support group that is being launched on October 6, 2013 is for people in the Somerset area diagnosed with pulmonary hypertension. Mrs. Welcome recognizes the importance of community and strives to establish relationships with small business owners working towards helping people overcome life challenges. She is constantly watching for ways to include or join up with people and organizations to offer her clientele one-stop services. There are many personal and work-related challenges that Mrs. Welcome experienced and continues to overcome, including being recently diagnosed with pulmonary hypertension and interstitial lung disease. In spite of personal challenges, she continues to strive to help people make healthy choices. She is currently pursuing a doctorate degree in Pastoral Community Counseling. Mrs. Welcome is licensed as a professional counselor by the NJ State Board of Marriage and Family Therapy. She holds certifications as a victim chaplain, relationship counselor and life coach. Mrs. Welcome enjoys jazz concerts, bicycle riding, reading, learning and exploring new things and spending time with her husband.

Health andMedical By Lawrence Davanzo, DO, FCCP, FAASM Dr. Lawrence Davanzo is Board Certified in Critical Care Medicine, Pulmonary Medicine and Sleep Medicine. He is a graduate of UMDNJ – School of Osteopathic Medicine, completed his residency and fellowship training at UMDNJ – Robert Wood Johnson Medical School. He has a fellowship with the American College of Chest Physicians and the American Academy of Sleep Medicine. He is a member of the American Thoracic Society, the American Lung Association and the NJ Sleep Society. He is the Clinical Assistant Professor of Medicine at Robert Wood Johnson Medical School. Dr. Davazo is owner of Brunswick Pulmonary & Sleep Medicine and the Medical Director for the Garden State Sleep Center. He has over 18 years of experience treating patients in Somerset County and surrounding areas.

Lung Disease & Sleep Affects On Women

Chronic obstructive pulmonary disease (COPD), lung cancer, and asthma are three of the most common lung diseases in women. Chronic obstructive pulmonary disease More than twice as many women as men are now diagnosed with chronic bronchitis. The rate of emphysema among women has increased by 5 percent in recent years but has decreased among men. Researchers are trying to understand why. Cigarette smoking, a main cause of COPD, has increased among women. One theory is that cigarette smoke is more damaging to women than to men. Lung cancer In the United States, the mortality rate for lung cancer among women is higher than any other type of cancer. Tobacco use is the major cause of lung cancer. Asthma Women are more likely than men to have asthma. The percentage of women, especially young women, with asthma is rising in the United States. Researchers are not sure why. Many experts think that air pollution and allergens play a role in this increase. Breathing tobacco smoke also is linked to an increased risk of asthma. Treatment Complex pulmonary diseases, many of which do not have a cure, can be managed by reducing symptoms, such as shortness of breath, therefore improving quality of life. It is important to locate a fully functioning comprehensive Pulmonary Function Laboratory to assist in the diagnosis of all types of pulmonary diseases. Ensure that this laboratory is experienced and has certified respiratory therapists

to perform all types of testing. Having an extensive Pulmonary Hypertension program working with cardiologists, internists and family practitioners will help to identify these pulmonary patients early and start treatment as soon as possible. In addition, a Pulmonary Rehabilitation program for patients with chronic lung disease can help reduce shortness of breath, improve quality of life, and ultimately reduce healthcare costs by promoting wellness and prevention.

woman experiences throughout the month and over her lifetime, like estrogen and progesterone, have an impact on sleep. Understanding the effects of these hormones, environmental factors and lifestyle habits can help women enjoy a good night’s sleep. Treatment Dr. Davanzo and his team provide a multidisciplinary approach in treating patients with sleep disorders. They provide in-lab sleep studies at Garden State Sleep Center, a fully accredited sleep lab, as well as home sleep studies. Dr Davanzo’s approach is about “choices”…one size treatment plans, do not fit all. We provide the gold standard of CPAP and/or BiPAP. We also work with ENTs to provide an innovative and less surgical approach, we work with dentists to provide oral appliances, behavioral health experts to provide non-pharmacologic treatments, and nutritional counseling and exercise advice.

Women and Sleep Sleep is a basic human need, as important for good health as diet and exercise. When we sleep, our bodies rest but our brains are active. Sleep lays the groundwork for a productive day ahead. Although most people need seven to nine hours of sleep each night to function well the next day, the National Sleep Foundation (NSF) Women and Sleep Poll found that the average woman aged 30-60 sleeps only six hours and forty-one minutes during the workweek. A more recent NSF Sleep in America poll of all adults revealed that women are more likely than men to have difficulty falling and staying asleep and to experience more daytime sleepiness at least a few nights/days a week. Research has shown that too little sleep results in daytime sleepiness, increased accidents, problems concentrating, and poor performance on the job and in school, and possibly, increased sickness and weight gain.

Brunswick Pulmonary & Sleep Medicine provides state-of-the-art medical care with a personal touch in an upscale environment. Dr Lawrence Davanzo provides a comprehensive approach to the care of all his patients, incorporating wellness and disease prevention. He puts a strong emphasis on healthy eating, exercise and good sleep habits. These three “habits of health” are the perfect antidote for an unhealthy lifestyle. Dr Davanzo and his staff are strong advocates for their patients in every aspect of their healthcare, helping patients overcome physical as well as emotional hurdles in their journey toward a healthier way of living. Brunswick Pulmonary & Sleep Medicine is a “cutting edge” center of excellence. References: Women’s Health www.womenshealth. gov/publications/our-piblications/ fact-sheet/lung-disease.cfm#b National Sleep Foundation www. sleepfoundation.org/article/sleeptopics/women-and-sleep

Brunswick Pulmonary & Sleep Medicine Garden State Sleep Center 49 Veronica Avenue Somerset, NJ 08873 732-246-3066 GardenStateSleepCenter.com

Getting the right amount of sleep is vital, but just as important is the quality of your sleep. Biological conditions unique to women, like the menstrual cycle, pregnancy and menopause, can affect how well a woman sleeps. This is because the changing levels of hormones that a

Health andMedical

Estrogen has 400 functions in the female body. Are you really better without it?

When people lose a hormone called insulin they have a condition called diabetes and they treat this condition with replacing the hormone. The same is true when the thyroid hormone is diminished. The unfortunate fact is that each day women starting at age 35 are beginning to lose very important hormones and they are ignored. Conventional medicine is often not well versed on the important role that estrogen and progesterone play, not only in the way women feel, but also in that diminished hormones can negatively affect overall health. Estrogen, for example, has 400 functions in the female body, so when women decrease their hormones, they often become forgetful, lose energy, gain belly fat, become melancholy or depressed, see increased wrinkles and unwanted hair growth on their skin. Progesterone is very important for mood and sleep. As women lose progesterone, many develop insomnia; have serious mood swings, agitation and depression. Women with decreased hormones have an increased risk of many serious illnesses. A recent study proved women on hormone replacement had a 40% decrease in Alzheimer’s dementia. Those patients on hormone replacement also have decreased risk of heart disease, cataracts, high blood pressure and diabetes according to multiple studies done. Many practitioners are not well versed on the topic of hormone replacement, so there is confusion about them. Most important to understand is that there are two different types of hormone replacement. Synthetic hormones, such as the oral contraceptive Premarin® (estrogen extracted from horse urine) and Provera® (a

The Facts About Hormone Replacement synthetic product and created in a lab) are both viewed as foreign to the body. The other is a bioidentical hormone, often produced as a skin cream, which are hormones with the same chemical structure as humans and react in the body as natural hormones.

mood based. They include anxiety, depression, mood swings and insomnia.

: How has hormone replacement changed over the years?

Question and answer session with Hormone Specialist

Q A

: Is Hormone Replacement Therapy Safe?

: Yes, natural bio-identical hormone replacement therapy is chemically and biologically identical to what your body makes on its own. A program of customized bio-identical hormones is safe and has shown to improve your quality of life and overall health according to multiple studies. Studies also show that patients with appropriate hormone replacement therapy supervised by an anti-aging physician has a decreased risk of heart disease, diabetes, Alzheimer’s, osteoporosis and aging skin.

: What about all the dangers I keep hearing about?

Q A

: Can any doctor prescribe hormone?

: The fact is that many doctors are not properly trained in hormone replacement and anti-aging medicine, and do not have the background to safely replace these hormones. It is vital to seek out a physician trained by an accredited anti-aging fellowship - not a weekend course.

By Robert Frankel MD, DC, FACEP Dr. Robert Frankel is a board certified emergency physician who trained at Albert Einstein Medical Center for over a decade. He is also certified by the Federation of Anti-Aging Regenerative Medicine and holds a doctorate in chiropractic. His training in both tradition medicine and holistic antiaging care makes him a unique practitioner. His approach to each patient is based in individual care. Dr. Frankel breaks the paradigm “one drug works the same for each person”. The practice customizes your care with nutrition, diet, and hormonal balance.

Services

: Unsafe hormones are the synthetics, such as “the pill.” Hormones such as Premarin®, Provera® and Prempro® are examples. Premarin® is a horse estrogen from urine. Provera® is a synthetic product not found in the body. Studies have shown that synthetic hormones (non bioidentical) increase risk of stroke, breast cancer and heart disease.

Q A

: The “old way” of hormone replacement (HRT) was a “one size fits all” approach. Fortunately, medical advances and technology now allow anti-aging specialists to customize an HRT plan for each individual patient

based on their unique needs and hormonal imbalances.

• Bio Identical Hormone Replacement For Women • Testosterone Replacement For Men • Medical Weight Loss With hCG Diet • Metabolic Medicine For Chronic Conditions - (i.e. Crohn’s, Fibromyalgia, Chronic Fatigue, IBS)

Treatments Available For: Low Energy • Weight Gain • Memory Changes • Mood Swings Anxiety • Bodyaches • Low Libido • Depressed • Stressed

Call us at 866-807-8686

: How can I tell if I have a hormone deficiency?

: For women, signs of estrogen deficiency are low energy, depression, wrinkles/aging skin, decreased libido and memory. Progesterone deficiency signs are

We customize your care through hormonal, diet and nutritional balance. Ask Our Anti-Aging Physician How We May Help!

www.improvehealthsolutions.com

Health andMedical By Dr. Daemon Jones Dr. Dae is a licensed naturopathic physician, author and international speaker specializing in the treatment of diabetes, balancing hormones, metabolism and weight loss. Dr. Dae uses a combination of safe and effective conventional and natural therapies to help you achieve your health goals. She earned her naturopathic medical degree from the University of Bridgeport’s college of Naturopathic Medicine in 2002. Dr. Dae conducts virtual appointments to support you in your hometown. Dr. Dae’s book Daelicious! Recipes for Vibrant Living can be purchased at Amazon.com or at her website, www.HealthyDaes.org

Simple Steps to Reverse Diabetes Naturally

If you have more than two people in your life, then you know someone that has or is at-risk for diabetes. According to the Centers for Disease Control, 26 million Americans currently have diabetes and another 79 million have prediabetes. Do you have a friend or family member that has been diagnosed with diabetes or pre-diabetes? If you answered yes to this question, then the information in this article will be of great interest for you and something to be shared with the ones you love. Once you understand what is happening in your body, it becomes easy to be committed to the lifestyle and behavior modifications required to get you back to optimal health and normal blood sugars. What is diabetes and prediabetes? Diabetes is the inappropriate regulation of blood sugar in the body. Normally the body digests food by breaking it down into fuel, glucose. Glucose then enters the blood stream with the goal of entering the cells. In response to glucose, the pancreas releases insulin, which binds to cells and allows the easy passage of glucose from the blood stream into the cell. The amount of insulin released by the pancreas is in direct proportion to the amount of glucose in the blood stream. When someone has diabetes this process is impaired and glucose has trouble getting out of the blood stream and into the cell. Pre-diabetes occurs when your body is having some difficulty regulating your blood glucose levels and without immediate action you will be diagnosed with diabetes in the future.

Diabetes diagnosis – emotions running wild The emotions that accompany diabetes or pre-diabetes diagnoses are often not considered by your doctor, but they are a crucial part of the treatment plan. Common emotions you might feel are panic, denial, confusion, frustration, anger and fear. These emotions are all born out of a lack of control over your health situation. I believe that the first step to effectively treating diabetes is to recognize and manage your emotions about the diagnosis so they will not sabotage your attempts to stick to your treatment plan and lifestyle changes. Medications are not the enemy The next step is to get your blood glucose levels back to normal ranges. High blood sugars need to be regulated to prevent irreversible damage to your body. This is handled in one of two ways: medications or lifestyle changes. Many are put on medications because their current lifestyles are contributing to high blood sugar levels. Lifestyle changes can reverse diabetes, but it requires working with an expert and allowing time to incorporate new behaviors into your everyday life. Normalizing blood sugars is the key to reversing diabetes. It might seem shocking for a naturopathic doctor to recommend medications but medications are not the enemy, high blood sugars are! When blood sugars are high, the glucose in the blood causes damage to blood vessels and organs. Over time, the damage from excess blood glucose causes blindness, kidney damage and failure, pain and numbness to the hands and feet, slow wound healing, increased risk for heart disease and amputations. The medications are designed to help lower blood sugars to prevent these complications. This could mean

taking medication for a period of time until you can consistently change to a healthier lifestyle.

blood sugars. Toned muscles take in glucose from the blood stream more efficiently.

I often recommend my patients stay on medication until they learn how to easily incorporate healthy behaviors into their daily activities thereby eliminating the need for medication all together.

Stress, emotional or physical, raises blood glucose levels. You need to find activities that relieve stress. Consider playing, laughing, going for a walk in nature, mediating, praying, spending time with friends, or getting enough sleep at night. Developing a focused commitment to implementing healthy lifestyle changes can naturally reverse and/ or cure diabetes.

Healthy Lifestyles Reverse Diabetes and Pre-diabetes Diabetes and pre-diabetes are some of the MOST preventable AND reversible diseases using lifestyle modifications. They are best treated using the right combination of healthy eating, exercise and stress management behavioral changes. When it comes eating healthy to lower blood sugars, keep it simple. Eat appropriate portions of lean protein and 2-3 servings of vegetables at every meal. Focusing on lean meats and fiber from beans and vegetables will keep you feeling full and prevents blood sugars from rising too fast. Grains, fruits and sweets can be incorporated sparingly. Weight-bearing and strength training exercises like calisthenics, lifting weights, walking, resistance bands are the best method to lower

Successful reversal of diabetes or pre-diabetes happens when you are educated about how your body works and you are given the tools to manage your blood sugars using appropriate lifestyle tools to manage your the process. I know this approach works to transform your life and your health, I have seen it in my patients. One of the greatest compliments I have ever received from a patient: “I have learned more about my diabetes in one hour with you (Dr. Dae) than in the twenty-two years of having the disease.” If you need help reversing diabetes, visit my website www. HealthyDaes.org

Health andMedical

Tell me about Probiotics and GI Disorders By Maria Georgsson, M.D.

Dr. Maria Georgsson is a gastroenterologist at Hunterdon Gastroenterology Associates in Flemington, NJ. She completed her medical school and internal medicine residencies at Columbia University College of & Active Cultures seal which indicates that rhamnosus, GG Lactibacillus acidophilus, immune system. The information uncove Physicians and Surgeons in NYC, and did her gastroenterology fellowship at SUNY Stony Brook, NY. She when initially produced they contained at Lactobacillus bulgaricus and other bacterial by scientists and healthcare providers to d has been in practice since 1996. in Hunterdon her husband andtothree daughters. appear support the use of probiotics fo either aloneCounty or when with used in combileast 100 million cultures per gram of She viablelivesstrains

variety of gastrointestinal disorders. T bacteria. In addition, not all probiotics are nation with other bacterial strains. said the truth remains that the long-te alike and given the many thousands of bacteria that are available it should not be surpris- Other medical studies have evaluated the role benefits of probiotics at the present time ing that there is considerable debate and un- of probiotics in irritable bowel syndrome and unknown. It remains the consensus opin certainty about which strains of bacteria are the results suggest that patients with diar- among healthcare providers that a heal ingesting for the Aprobiotic in a variety of intestinal abdominal pain, diet high in fiintestinal ber and lowblockage in fat as well rhea-predominant and gas /bloat symptoms most benefiyogurt cial to patients. useful websiteprobiotics ast the antibioticbleeding. There ismedicine for benefit nottobe lactose plenty of exercise is the best appear tosuch benefi most. It is important and to rectal that youshould may wish visit should you wantdisorders associated diarrhea. is thedata on the consistent thatpopulation. probiotics,At the pres intolerant, as this may counteract majoritydata of the note that there is littleThis consistent more information is www.Aboutyogurt.com time the longwith termthe benefi ts of using probi best dose of probiotics setting where probioticsthat areshould mostbe used in conjunction other the benefits of the probiotics. A role for probiotics has long been recog- and the most advantageous time to use them. ics are unknown as are the long term ris commonly used at the present time. medications used to treat these In those people, capsule form of nized by the alternative or “complementary” In addition, many of the studies were only In addition the benefits of using probiot noteworthy that the protective diseases, have helped to reduce probiotics is preferable. medicine proponents, but only recently haveIt is are not long andthe will likely dis conducted for avary shortsignificantly period of time and with effects did not the incidence of lasting some of probiotics been viewed by more members of limited pear within 2 to 4 weeks after you stop us patient enrollment so that defi nitive Despite the fact that there are only the different strains debilitating symptoms. the medical community as having beneficialbetween them. It is important to remember that if y answers were not obtained. Further research two primary forms ofcally, probiotics probioticsproperties. More specifi some membersof into have any serious medical problems or lon the use ofSacharomyces probiotics is on-going. Is there a role for probiotics the array of available of the medical communityproducts now see the use ofboulardi, lactobacillus rhamnosus, standing medical problems that you spe in the healthy individual? containing probiotics can be probiotics in a favorable light especially itsGGProbably Lactibacillus the best acidophilus, studied diseases that have with your health care provider before tak Probiotics have been advertised suppression For of the growth of most disease- produc-Lactobacillus confusing. example, and Page 2 August/September 2013 probiotics. shown patientbulgaricus benefit from theother use of proing bacteria, as well as its favorable impact as promoting good health and yogurts do not specify the amount biotics are the infl ammatory bowel diseases bacterial strains either alone or improving the barrier improving the immune system. ofon probiotics that theyfunction containof the gut,when -- ulcerative colitis and Crohn’s Disease -used in combination with altering the immune system tomay reduce inflam- which can cause diarrhea, abdominal pain, The information uncovered by while only a few yogurts have other bacterial strains. mation, and even altering pain perception. intestinal blockage and rectal bleeding. scientists and healthcare providers the National Yogurt Association’s Dr. Maria Georgsson is a gastroenterolog There is consistent data that probiotics, in date Other medical studies have to appear to support the Live Active Cultures which What&data exists? Certainseal medical studies at Hunterdon Gastroenterology Associates conjunction with the other medications used evaluated the role of probiotics in use of probiotics a variety of her medi have shown the when potential benefits of probiotindicates that initially Flemington, NJ.forShe completed to treat these diseases, have helped to reduce ics in a variety intestinal at disorders bowel syndrome and the gastrointestinal disorders. That produced they of contained least suchirritable the incidence of some of the debilitating school and internal medicine residencies as antibiotic-associated diarrhea. Columbia College suggest that patients with said the truth University remains that the of Physicia 100 million cultures per gramThis is theresults setting where probiotics are most commonly symptoms.

About Probiotics And GI Disorders

By Maria Georgsson, M.D.

This purpose of this article is to provide some This purpose of raised this article is toabout answers to questions by patients probiotics and gastrointestinal disorders. provide some answers to questions Probiotics beneﬁcial bacteria, grown eiraised byarepatients about probiotics ther in a laboratory or in cultured milk and gastrointestinal disorders. products that have shown certain intestinal health Probiotics are beneficial bacteria, beneﬁts such as reducing unpleasant sympgrown either in a laboratory or toms (gas, bloating, diarrhea and abdominal in cultured milkasproducts thatimmune cramping) as well boosting the have shown certain intestinal system.

health benefits such as reducing

Inunpleasant order for a patient to understand symptoms (gas, the potential benefi ts of probiotics it helps to have bloating, diarrhea and abdominal a basic understanding of the bacterial makecramping) as well as boosting the up of the colon. The colon is the last part system. ofimmune the intestine and in an average healthy individual contains not billions, but rather In order for a patient to trillions of bacteria. More specifically, sciunderstand the potential benefits entists have identifi ed more than 1000 difof probiotics it helps to have ferent species of bacteria that may be found a basic of the within theunderstanding colon. The bacterial makeup of bacterial of the thecareful colon.balance each person’smakeup colon – and ofThe eachcolon type of present is bacteria the lastthat partis of the - is different: within thehealthy colon are intestinesome andbacteria in an average necessary for health and not help billions, to break down individual contains food and drugs as well as maintain a healthy but rather trillions of bacteria. balance within the digestive system. Other More specifically, scientists bacteria are not so “friendly” and contribute identifiedsymptoms more than 1000 above tohave the unpleasant described different species of bacteria thatactu– gas, bloating, etc. - while others may may be found within the colon. ally increase the risk of disease. A variety of The bacterial makeup eachbacteria factors can alter the balance of of these within the colon. certain inperson’s colonAntibiotics - and the and careful fections can kill benefi cial bacteria and allow balance of each type of bacteria the overgrowth of disease-causing bacteria. that is present - is different: some

bacteria the colon As areindicated Where can within I get Probiotics? necessary for health and help to probiotics may offer some hope in promotbreak down food and drugs as ing benefi cial bacteria. Probiotics are available twomaintain primary forms: dairy products, wellin as a healthy balance most often yogurt, as well as in an within the digestive system. over-theOther counter capsule form. yogurt is a dairy bacteria are not so As “friendly” product, people ingesting yogurt for the proand contribute to the unpleasant biotic benefit should not be lactose intolersymptoms described above - gas, ant, as this may counteract the benefits of the bloating, In etc. - while others may probiotics. those people, capsule form of actuallyisincrease the risk of probiotics preferable. disease. A variety of factors can

Despite the balance fact that there are only two prialter the of these bacteria mary forms of probiotics the array of availwithin the colon. Antibiotics and able products containing probiotics can be certain infections can kill beneficial confusing. For example, most yogurts do bacteria not specifyand the allow amountthe of overgrowth probiotics that of disease-causing they contain while onlybacteria. a few yogurts may have the National Yogurt Association’s Live

Where can I get Probiotics? As indicated probiotics may offer some hope in promoting beneficial bacteria. Probiotics are available in two primary forms: dairy products, most often yogurt, as well as in an over-the-counter capsule form. As yogurt is a dairy product, people

Health&Medicine

Tell me about Probiotics and GI Disorders

and Surgeons in NYC, and did her gastro diarrhea-predominant and gas/ long-term benefits of probiotics of viable bacteria. In addition, used at the present time. It is noteworthybloat symptoms appear to benefit terology fellowship at SUNY Stony Brook, at the present time are unknown. not all probiotics are alike and Is there role probiotics in theGGhealthy Lactibacillus acidophilus, immune system. The information uncovered Active Culturesaseal whichfor indicates that rhamnosus, She has been in practice since 1996. She li that the protective effects did not vary signif- &when by scientists and healthcare providers to date bulgaricusIt andremains other bacterialthe initially produced they contained at to most. It isProbiotics important noteadvertised consensus opinion individual? haveLactobacillus been given manythethousands of of probi-the with her husband combi- appear County to support the use of probiotics for a an least 100 million cultures per gram of viable strains either alone or when usedinin Hunterdon icantlythe between different strains nationimproving with other bacterial strains. healthcare of providers gastrointestinal disorders. bacteria. In addition, all probiotics are and as there promoting good health the is not little consistent data among that aThat bacteria that are available daughters.variety otics- Sacharomyces boulardi,itlactobacillusthat said the truth remains that the long-term alike and given the many thousands of bacteon the best itdose ofbe probiotics healthy diet inprobiotics fiberat and low Maria Georgsson, M.D. benefits of the present time are evaluated the role high ria that are available should not surpris- Other medical studies have should not beBysurprising that ing that there is considerable debate and un- of probiotics in irritable bowel syndrome and unknown. It remains the consensus opinion should be used and the most in fat as well as plenty of exercise This purpose ofdebate this article is and to provide some that there is considerable certainty about which strains of bacteria are the results suggest that patients with diar- among healthcare providers that a healthy answers to questions raised by patients about most beneficial to patients. A useful website rhea-predominant and gas /bloat symptoms diet high in fiber and low in fat as well as time to use them. In is the best medicine for the uncertainty about strainsdisorders. advantageous probioticswhich and gastrointestinal that you may wish to visit should you want appear to benefit the most. It is important to plenty of exercise is the best medicine for the Probiotics are beneficial bacteria, grown ei- addition, majority of the population. At At the present note thatwere there is little consistent data on of the the more informationmany is www.Aboutyogurt.com of the studies majority population. the of bacteria are beneficial ther most in a laboratory or in cultured milk prodbest dose of probiotics that should be used time the long term benefits of using probiotA role for probiotics has long been recogucts that have shown certain intestinal health only conducted for a short period present time the long term benefits and the most advantageous time to use them. ics are unknown as are the long term risks. to patients. Abenefi useful website that ts such as reducing unpleasant symp- nized by the alternative or “complementary” In addition, many of the studies were only In addition the benefits of using probiotics time and but with limited of ofusing probiotics medicine proponents, only recently have patient (gas, bloating, diarrhea and abdominal of conducted for a short period time and with are not long are lastingunknown and will likely disapyou may wishtoms to visit should you cramping) as well as boosting the immune probiotics been viewed by more members of limited patient enrollment so that definitive pear within 2 to 4 weeks after you stop using enrollment soasthat definitive as Further are the long term risks. In the medical community having benefi cial answers were not obtained. system. want more information is www. research them. It is important to remember that if you properties. More specifically, some members into the use of probiotics is on-going. have any seriousof medical problems or longanswers were not obtained. addition the benefits using In order for a patient to understand the poGASTROENTEROLOGY • HEPATOLOGY • INTERNALstanding MEDICINE AboutYogurt.com of the medical community now see the use of medical problems that you speak tential benefits of probiotics it helps to have probiotics in a favorable light especially its Further research into the Probably use ofthe best studiedprobiotics not longcarelasting and with your health provider before taking diseases that haveare a basic understanding of the bacterial make- 206, 1100 WESCOTT DRIVE • SUITE SUITE 207 of diseasesuppression of the growth produc- shown patient benefit from135 WEST END AVENUE the use of pro- probiotics. up of the colon. Thelong colon is the last part probiotics A role for probiotics has ing bacteria, as wellisas on-going. its favorable impact biotics are the inflammatory will likely disappear within 2 to 4 bowel diseases NEW JERSEY 08876 FLEMINGTON, NEW 08822the barrier function of the gut, SOMERVILLE, of the intestine and in an averageJERSEY, healthy on improving -- ulcerative colitis and Crohn’s Disease -been recognized bycontains the alternative individual not billions, but rather altering the immune system to reduce inflamweeks after you stop using them. which can cause diarrhea, abdominal pain, trillions of bacteria. More specifically, sci- Probably mation, and even the alteringbest pain perception. studied intestinal diseases blockage and bleeding. or “complementary” medicine It rectal is important to remember that entists have identifi ed more than 1000 difThere is consistent data that probiotics, in Dr. Maria Georgsson is a gastroenterologist What data exists?shown Certain medical studies benefit ferent species of bacteria that may be found that have patient at Hunterdon Gastroenterology Associates in conjunction with the other medications used any proponents, but only recently if you have serious medical have shown the potential benefi ts of probiotwithin the colon. The bacterial makeup of to are treat these diseases, have helped to reduce Flemington, NJ. She completed her medical from the use of probiotics ics in a variety of intestinal disorders such each person’s colon – and the careful balance school and internal medicine residencies at have probiotics been viewed by or longstanding medical the incidence of someproblems of the debilitating of each type of bacteria that is present - is as antibiotic-associated diarrhea. This is the Columbia University College of Physicians symptoms. the inflammatory bowel diseases different: some bacteria within the colon are setting where probiotics are most commonly andyou Surgeons in NYC, with and did her gastroenmore members of the medical problems that speak your Kenneth J. DiGregorio, M.D. Samuel Y.time. Bae,It M.D. Gilbert S. Cardoso, D.O. at the present is noteworthy terology fellowship at SUNY Stony Brook, NY. necessary for health and help to break down -used ulcerative colitis and Crohn’s Is there a role for probiotics in the care healthy provider health before taking community as having beneficial She has been in practice since 1996. She lives that the protective effects did not vary signiffood andBoard drugs asofwell as maintain a healthy Diplomate American Internal Medicine Diplomate Osteopathic Diplomate American Board of Gastroenterology Probiotics have been advertised American in Hunterdon County with her husband and 3 icantly between-the different strains ofcause probi- individual? balance within the digestive system. Other Disease which can diarrhea, Diplomate American Board of Gastroenterology Diplomate Board of Internal Medicine as promoting good health and improving the probiotics. daughters. properties. More bacteriaspecifically, are not so “friendly” and contribute otics- Sacharomyces boulardi, lactobacillus Diplomate American Board of Gastroenterology to the unpleasant symptoms described above some members of the medical Andrea Goldstein, M.D. – gas, bloating, etc. - while others may actuJason Matthews, M.D. ally increase risk use of disease. Diplomate American Board of Internal Medicine Cherag Daruwala, M.D. community now see the the of A variety of factors can alter the of these bacteria Diplomate American Board of balance Internal Medicine Diplomate American Board of Gastroenterology Diplomate American Board of Internal Medicine probiotics in a favorable light within the colon. Antibiotics and certain inDiplomate American Board of Gastroenterology Diplomate American Board of Gastroenterology fections can kill beneficial bacteria and allow especially its the suppression of thebacteria. overgrowth of disease-causing Reinhard G. Schwartz, M.D. growth disease-producing Where can I get Probiotics? As indicated GASTROENTEROLOGY • HEPATOLOGY • INTERNAL MEDICINE Maria of Georgsson, M.D. Diplomate American Board of Internal Medicine probiotics may offer some hope in promot1100 WESCOTT DRIVE • SUITE 206, SUITE 207 135 WEST END AVENUE bacteria, well as itsbacteria. favorable Diplomateas American Board of Gastroenterology ing benefi cial Probiotics are availDiplomate American Board of 08876 Gastroenterology FLEMINGTON, NEW JERSEY, 08822 SOMERVILLE, NEW JERSEY able in two primary forms: dairy products, impact on improving the barrier most often yogurt, as well as in an over-the908-483-4000 908-483-4000 counter capsule form. As yogurt is a dairy function of the gut, altering product, people ingesting yogurt for the proWWW.HUNTERDONGASTRO.COM the immune system reduce biotic benefitto should not be lactose intolerKenneth J. DiGregorio, M.D. Samuel Y. Bae, M.D. Gilbert S. Cardoso, D.O. ant, as this may counteract the benefits of the inflammation,probiotics. and even Diplomate American Board of Internal Medicine Diplomate American Osteopathic Diplomate American Board of Gastroenterology In thosealtering people, capsule form of Diplomate American Board of Gastroenterology Diplomate Board of Internal Medicine probiotics is preferable. Diplomate American Board of Gastroenterology pain perception. Andrea Goldstein, M.D.

908-483-4000

WWW.HUNTERDONGASTRO.COM

Despite the fact that there are only two primary forms of probiotics the array of avail-

What data exists? able products containing probiotics can be confusing. For example, most yogurts do Certain medical studies have not specify the amount of probiotics that they contain while only a few yogurts may shown the potential benefits of have the National Yogurt Association’s Live

Jason Matthews, M.D.

Diplomate American Board of Internal Medicine Diplomate American Board of Gastroenterology

Maria Georgsson, M.D.

Diplomate American Board of Gastroenterology

Diplomate American Board of Internal Medicine Diplomate American Board of Gastroenterology

Cherag Daruwala, M.D.

Diplomate American Board of Internal Medicine Diplomate American Board of Gastroenterology

Reinhard G. Schwartz, M.D.

Diplomate American Board of Internal Medicine Diplomate American Board of Gastroenterology

Health andMedical

By Dr. Marc Rothman Board Certified Psychiatrist and Geriatric Psychiatrist Dr. Marc Rothman is medical director of Brandywine Behavioral Health Pavilion at Brandywine Hospital and is a member of the Brandywine Hospital medical staff.

A Gender Under Siege By Alzheimer’s

Can’t remember where you placed your keys? Having trouble recalling a friend’s name? Have you ever gone to another room and forgotten what you were there to get? Don’t worry - these moments happen to just about every woman with responsibilities. Most of the time, after retracing your path, you remember where you put your keys, your friends name pops into your head and something triggers why you went into the room down the hall. There is a big difference between a temporary loss of recall and the permanent, progressive, life altering disease known as dementia. Dementia is an illness that usually involves a progress of deterioration. Initial signs include changes in the way a person behaves and communicates. There are increased episodes of confusion as well as memory loss that negatively affects day to day functioning. Noted cognitive symptoms include impaired decision making, difficulty learning new skills and poor problem solving. Emotionally, there can be changes as well to include fear, insecurity, anger and often symptoms mimicking depression. Memory problems alone do not constitute a dementia diagnosis, rather there have to be multiple symptoms to meet criteria. There are over 100 types of dementia. There are progressive dementias which result in permanent brain deterioration and there are some causes of dementia or dementia like symptoms that can be reversed. The most common type of progressive dementia, Alzheimer’s Disease (AD), will be discussed as well as how it affects women. According to the 2012 Alzheimer’s Disease Facts and Figures produced by the Alzheimer’s Association, 60 to 80% of those with dementia are diagnosed with Alzheimer’s

disease; 65% of those with AD are women. A discussion on women and dementia cannot be had without mentioning the Shriver Report: A Study by Maria Shriver and the Alzheimer’s Association. Alarming statistics were produced by this report including that 10 million women either have Alzheimer’s or are caring for someone with it. The report suggests that because of AD women are, in fact a gender under siege due to the increase in occurrence as well as the fact that women are most likely to become a caregiver to someone with AD. There are women who have children, work and are caring for a parent(s) with the disease. This can add up to a very difficult scenario for what is called the sandwich generation. The Shriver report talks about how much we need to focus on the sixth largest killer of American women and how we need to bring attention to how the numbers are increasing to an epidemic proportion.

wear a seatbelt or bike helmet and make smart choices such as playing tennis in lieu of partaking in a rugby match! In addition there is also a possibility that the cessation of smoking and the intake of antioxidants (C,E) can reduce risks of AD. In the event that a diagnosis of Alzheimer’s Disease is made, one of the best ways to move through the experience is through education and support. The Alzheimer’s Association (www. alz.org) is the leader in research, education and support. One

can find information about new treatments as well as dates and times for support groups that take place nationwide. It is important to know you are not alone in your journey.

So why are there more occurrences of the disease in women? The main risk factor for developing AD is advancing age. In the 2012 Alzheimer’s Disease Facts and Figures the difference in lifetime risks between women and men are largely due to women’s longer life expectancy.

Comfort.

There are ways that women can reduce the risk of Alzheimer’s Disease. This includes maintaining a healthy blood pressure, cholesterol level and managing blood sugar levels. One can exercise, follow a Mediterranean diet; partake in moderate alcoholic beverages (ie. one per day) while taking steps to remain active mentally and socially (read, do brain puzzles, join a social group to stay connected). It is also important to avoid head trauma so be sure to

Care Units is completely private. To find out more

our spaCious private rooms help patients reCover in Comfort. Brandywine Hospital has undergone a renovation to offer our patients private rooms with special amenities that help them feel more comfortable and at ease. These new rooms have ample space for family and friends. Wi-Fi is available. Now, every room in our Medical/Surgical, Orthopedic and Neuroscience, Progressive Care and Intensive about the patient-centered care at Brandywine, visit BrandywineHospital.com.

60167_BRAN_Rooms_22x30cP.indd 1

It’s better at Brandywine.

2/14/12 3:55 PM

and not due solely to the aging process. In spite of this data many elderly attribute their falls to Hospice is an the integral part inevitable process of aging and fear of losing independence contribute to under reporting of the services provided of falls.

ber 2013

3 • A decrease in bone density contributesPage to falls and resultant injuries. d • Failure to exercisenregu1arly results in poor a muscle tone, decreased strength, and loss of bone mass and ﬂexibility. • At least one-third of all falls in the elderly involve environmental hazards in the home.

HOSPICE SERVICES Health Medical ARTNER IN THE LONG TERM CARE SETTING at Independence Manor. The best chance of prevention is an under-

standing of all the contributing factors, includviding Hospice Services in a facility where around- gether with the patient and family ensure comfort and ingthe-clock the normal aging changes that predispose Many risk factors are preventable. A lack care by the staff already exists. The facility dignity during this very personal and sensitive time. By Anne Boyle and Mary Ruela a visual, nervous musculostaffsuch knows the residents wellsystem, and many times are of knowledge about risk factors and how to es provide support and care for per- falls, Ann Boyle is the Director of Hunterdon Hospice Services. Hunterdon Hospice is a Medicare Hospice certified,is Joint Commission non-Listed an integral part ofaccredited, the services provided at cardiovascular, auditory them contributes too manyand falls. like family to those they care for. and cognitive prevent phase of an illness. These services skeletal, profit organization and a member of the National Hospice Organization and the New Jersey Hospice and Palliative Care Organization which has Independence Manor. gait changes and medication use. at are five key risk factors of falls among older he person who is ill,care but to also their impairments, been providing thefor community since 1979. Mary Ruela RN right is Director of Nursing Independence Manor at Hunterdon, an Assisted You could say it is a patient’s to access a Mediegivers. TheResidence focus of incare is on liv-New Jersey. adults and some preventive for each Living Flemington, Since Independence Manor hasmeasures become home for care benefit they are entitled to, but more importantly lity of life. The care and services are Researchers have started to compare pro- factor are briefly listed below;allows the resident many, having Hospice involved is having the collaboration of the facility staff, who eam of professionals which include files thatthecharacterize theexperts falls in elderly know patients and are in the geriatric care, to live the last days of their lives in their home. The ysician, the Hospice medical director, that Independence Manor have formed a lasting occur in home, community, and health- 1. Osteoporosis is aStaff condition wherein bones workers, certified home health aides, with the professional services of the Hospice Team relationship with each resident and understands the care settings. example, in the specializeFor in palliative carefalls and who are home experts become more porous, less resistant to stress, chaplain, Theservices staff are highlysupport skilled who Hospice provide You could say it is a patient’s the Hospice staff. Hospice staffneed and Since Independence Manor has care they want. The Hospice Staffprevenis then usually take place in the bedroom, bathroom, and more prone to fractures. Some in pain and symptom management. right to access a Medicare ymptoms management, and care for persons comfort in the lastcare communicates on a able regular basis intobecome homeand for many, having to come the facility help care for the room, and the to, stairs, mostwith frequently tion developing tips; Eat sufficient calcium inthecalciumbenefit they are entitled but facilities phase of support. an illness.Statistics These services staff and families, Hospice involved allows and spiritual show living Assisted Living and Nursing are required dying resident with their expertise. The two together moredescending. importantly is These having the mishaps most comfoods, as milk, yogurt, cheese, are Hospice not just for the person is while individual plans of rich care to meet suchresident to live the last days of fish eiving Services havewho better tocollaboration have a contract with a Hospice Agency for quality truly makes for a peaceful experience for the resident of the facility staff ill, but also for their family and the goals of the patient. their livessoybeans, in their home. Theand almonly occur during activities that are routine and shellfish, broccoli, tofu ed comfort and live longer. end life care. Hospice staff thatofknow the patients and are is available for consul- and family. caregivers. The focus of care is Independence Manor Staff have fortation individuals. A recent study compared falls monds, TheThe Hospice volunteers, whoGet sufficient vitamin D to enhance the and a resource facility staff. addition experts in as geriatric care,to with on the living and of theHospice quality ofService life. formed a lasting relationship with nized value The support of continues after death older through Bein the elderlyCertified at services home andthe in theAides community. absorption calcium andthesome adults visit the resident, provide Home Health to provide theHospice professional of care andHospice servicesBenefit are provided each resident and understands the The Medicare and of companionship, assist with meals reavement Services by Hospice professional staff Hospice Team who specialize in the One groupcare in inthe study that older per- may need a supplement. do weight addition tofound what facility provides by a team of professionals which the care theyRegularly need and want. The providers followed closely after. The personal and comfort can be a and presence infamilies, vigil so caregivers and the staff at the facility. palliative care and who are experts for include the patient’s physician, the sons as a person’s illness progresses improves who fell in and around their own homes exercises. Hospice Staff is then able to come d by Medicare, Medicaid and private in pain and symptom management. a person is not isolated or alone. Hospice medical director, andthe facility are partners in provides support communication by Together, Hospiceinto facilitystaffs and help care moreemotional likely caused byand frailty or unsteady ude all the professional staff, regular were Many times, the volunteer is a caring when needed formost. the Activity dying resident with their the Hospice staff from communicates a 2. Assisted Living andHospice Nursing Falls thatstaff. occurred away home were Lack of Physical results in poor nurses, big source ofonsupport to families work visits,social nurseworkers, on-call certified 24 hours a gait. expertise. The two together truly regular basis with staff and families, developing indifacilities are required to have a home health aides, volunteers as they anticipate what changes tone, decreased and Hospice loss eek, all medications related to the ill- primarily due to environmental causes and muscle Ann Boyle is the Director of Hunterdon make for a strength, peaceful experience for of contract withofa care Hospice Agency vidual plans to meet the goalsare of the patient.for them. and chaplain. The staff highly concluded occurring The quipment and personal care,ischaplain both and vigorous elderly bone mass andtheflexibility. Services. Hunterdon Hospice aSame Medicare certified, resident is and family. prevention for qualitythat end of life frail care. Hospice skilled in regards to symptoms collaboration of the facility staff as bereavement services for families persons Jointstaff Commission accredited, non-profit organization atvolunteers, risk when they away from tips: Engage (at least every other day The who visitare the resident, pro-Hospice staffHospice isare available for consultation management, comfort care and along with the and regularly TheNational support continues after and as a resource to facility staff. and a member of the Hospice Organization vide companionship, assist with meals and can be a for about Undertake activities in emotional and spiritual support. familiar surroundings. services working together with15 theminutes).. the death through Bereavement The addition of Hospice Certified and the New Jersey Hospice and Palliative Orpresence in vigil so a person is not isolated or alone. Statistics show that persons patient and family ensure comfort a safe manner, such asbyreaching and Care bending pice provides all the Hospice Services Home Health Aides to provide Services Hospice professional receiving Hospice Services have Some and dignity during this very ganization which has been providing care to the comMany times, the volunteer is a big source of support quick properly, slowlystaff rising from acaregivers chair, learning for families, and person’s home. Most people, when personal care infacts: addition to what better quality, increased comfort personal sensitive time.since 1979. Mary Ruela RN is Director of munity to families as 90% they anticipate what changes are and occurthe staff at the facility. Together, stayand in their own familiar surround• More than of hip fractures occur as a the proper way to fall, and learning how to rethe facility provides as a person’s live longer. Nursing at Independence Manor at Hunterdon, an Asring for them. The collaboration of the facility staff Hospice and facility staffs are illnessof progresses improves Hospice is an partafter of thea fall. their home is an Assisted Living or result falls with most of the fractures oc-integral cover along with the Hospice staff and services working to- sisted Living Residence in Flemington, New Jersey. an Mary Ruela

Partnering In Long Term Care

Medicare recognized the valuewith of acility with the comfort of being Hospice Service and developed w and care for them on a daily basis. the Medicare Hospice Benefit estion what is the value added by pro-

comfort and provides emotional support and communication by

services provided at Independence Manor.

and most insurance providers followed closely after. The services covered by Medicare, Medicaid and private insurances include all the professional staff, regular nurse and social work visits, nurse on-call 24 hours a day, 7 days a week, all medications related to the illness, medical equipment and personal care, chaplain services as well as bereavement services for families and caregivers.

Hospice is

ntegral part

theHunterdon services Hospice provides all the Hospice Services primarily in

rovided at

the person’s home. Most people, when asked, want to stay in their own familiar surroundings. For some, their home is an Assisted Living or Nursing Home facility with the comfort of being with those that know and care for them on a daily basis. Some might question what is the value added by providing Hospice Services in a facility where around the-clock care by the staff already exists. The facility staff knows the residents well and many times are like family to those they care for.

dependence Manor.

partners in caring when needed most.

Health andMedical By Gretchen Makai, M.D. Gretchen Makai, M.D., is a gynecologist and Director of Minimally-Invasive Gynecologic Surgery for Christiana Care’s Department of Obstetrics and Gynecology. Dr. Makai earned her medical degree from Columbia University College of Physicians and Surgeons, where she won the Thomas F. Cook Prize for Excellence in Obstetrics and Gynecology. She completed her residency in Obstetrics and Gynecology at the combined program between Brigham and Women’s and Massachusetts General Hospitals in Boston, Mass. After residency, Dr. Makai completed a Fellowship in Gynecologic Endoscopy at Newton-Wellesley Hospital in Newton, Mass.

Fibroids

Fibroids are non-cancerous (benign) tumors of the uterus. While many reproductive-age women have uterine fibroids, less than half of these women are symptomatic. Still, hundreds of thousands of doctors’ visits each year are attributed to uterine fibroids and the problems they cause, and more than 600,000 hysterectomies are performed each year in the U.S. as a treatment for fibroids. Numerous studies have tried to determine who gets fibroid tumors and why. They tend to run in families, and black women are more likely to have fibroids than white women. In addition, black women may develop symptoms earlier than others, and grow more and larger fibroids than others. While there are some associations between foods and fibroid development, these tumors are not easily preventable or avoidable with lifestyle changes alone. Fibroids develop from the muscle cells in the uterus – each tumor growing from one muscle cell which starts to grow abnormally. For this reason, these tumors usually take a while to grow to a large size. They are hormonallysensitive tumors, and may continue to grow while a woman is menstruating, They tend to shrink at the time of menopause. Fibroids are not cancerous, and they are highly unlikely to turn into cancer. The size, number and location of uterine fibroids affect the symptoms women have as well as their treatment options. Common symptoms caused by fibroids include abnormal uterine bleeding, pain and pelvic pressure, bladder and bowel problems (if large enough), and fertility-associated

problems. Along with a pelvic exam, pelvic ultrasound, MRI and office hysteroscopy are common ways for doctors to exam fibroids. While many fibroids may never be noticed by a woman and warrant no treatment, there are many medical and surgical treatment options for women who do have symptoms. Those options range from hormonal treatments, to anti-bleeding medications, to pain control options . Many minimallyinvasive surgical treatments are available to women as well, and special consideration is given to women wishing to have children after fibroid treatment. No medical regimens are currently available to “cure” fibroids.

helpful for determining whether hysteroscopic myomectomy (removing fibroids through the cervix, without any “incisions” in the vagina or the uterus or skin), is a treatment option Laparoscopic myomectomy and roboticallyassisted laparoscopic myomectomy are procedures whereby uterine fibroids can be removed through small incisions in the abdomen. Women who are candidates for these procedures may desire to preserve fertility, preserve the uterus, and these who have relatively few fibroids. Large fibroids can often be removed this way as well. Using these small incisions, women have less pain, and are more likely to return to normal activities sooner.

Hysteroscopy, or looking in the uterus with a camera, is often important for diagnosis and treatment of submucosal fibroids (those in the lining of the uterus). Hysteroscopy can be performed in the doctor’s office, where women can find out immediately if they have fibroids in the lining of the uterus. This information is

Other surgical procedures targeting symptoms of fibroids include endometrial ablation (burning the lining of the uterus to reduce bleeding), uterine artery or fibroid embolization (to decrease bleeding and fibroid size), abdominal myomectomy (to preserve the uterus when there are many fibroids), and

hysterectomy (removing the muscle of the uterus and the fibroids, to both treat symptoms and prevent new fibroid growth). All of these procedures are common and successfully treat fibroids. Women with fibroids can become more informed by searching for fibroid at http:// www.christianacare.org/ healthencyclopedia or looking through patient information www.acog.org, and as always, by visiting with a skilled clinician. The Christiana Care Center for Women’s Health provides a select group of women’s health specialist focused on gynecologic issues that may become more complex for women beyond their child bearing years – conditions that can often only be addressed by special consultation, advanced treatment or surgery. The Center for Women’s Health is located at 3706 Kennett Pike in Greenville. For more information or to schedule an appointment, call 302-623-6320

That pain that just won’t go away, somewhere below your belly button? The specialists at the Christiana Care Center for Women’s Health know just how to identify – and deal with – this commonly ignored problem. We’re here to support you and your doctor with the latest diagnostic tools and treatments to minimize symptoms and correct problems. It’s just the kind of expert help you need to live pain-free.

It hurts below my belly button, but it’s definitely not my belly.

3706 Kennett Pike Greenville, Delaware 19807

We know pelvic pain inside and out. Don’t wait – call today for an appointment 800-693-CARE

Learn more at www.christianacare.org/centerforwomen 10WHS24

Community andEducation By David Walker, Esp., M.S.W. Director of Somerset Home for Temporarily Displaced Children David Walker became director Somerset Home in May 2013. Before joining the agency, he served for 10 years as CEO of Morristown Neighborhood House Association, where he oversaw programs such as gang prevention, youth counseling, pre-schools and community outreach and secured government contracts, foundation grants and individual donations. He was also General Counsel for The Miracle Makers Inc., in Bedford-Stuyvesant, Brooklyn, New York. and directed programs for children and families living with HIV/ AIDS at Hope House of The Palm Beaches in Florida.

Building Futures, Building Hope

When there’s nowhere else to turn, Somerset Home gives homeless teens a home and a hopeful future. James doesn’t remember his mother. She died of a drug overdose when he was six. Relatives took him in, but when the little boy became a burden, he was sent to a series of foster homes. When he turned 18 and “aged out” of the child welfare system, he had nowhere to go, no support system and no skills or resources to live on his own. But unlike thousands of other traumatized teens in New Jersey, James was accepted in My Place, a residential transitional-living program run by Somerset Home for Temporarily Displaced Children. Counseling, part-time work and independent-living skills workshops have helped him heal and take the first steps toward independence. James is just one of the thousands of abused, neglected and homeless teens who have found a safe haven and support services in one of Somerset Home’s seven programs for young adults. Opened in 1973, the Bridgewater, N.J., nonprofit has helped thousands of teens from around the state put the past behind them and begin to build a brighter future. A lot has changed in four decades. Somerset Home started with one house for 12 youth. Today it has multiple buildings for 41 teenagers and young adults. And its services have also evolved as needs changed: an in-house school, HIV/ AIDS education, financial literacy workshops, a scholarship fund and permanent supportive-housing for young adults with nowhere to go…all designed to help residents heal emotionally and learn to live independently.

From the start, the agency has worked with local community groups and the N.J. Department of Children and Families to help teens deal with their difficult family situations, continue their education and learn the skills they need to move forward with their lives. Individual, group and family counseling provided by Somerset Home’s behavioral health department service agencies is a key component meeting the needs of clients and their families. One area in which the need is growing is street outreach. Funded by a federal grant, Somerset Home’s Street Smart outreach program began in 1998 and works with youth living on the street to find them safe housing and direct them to services for health care, counseling, education and jobs. Outreach workers also meet with school guidance counselors, police officers and other social service agencies to explain the services and ensure those who come in contact with teens living on the street or in other unsafe situations know Somerset Home’s outreach services are available.

become victims of people they meet on the streets. These victims are ‘sold’ at truck stops, casinos, on internet sites and street corners. “We talk with them, offer blankets and toiletries, and over time build their trust and help get them to safety,” says Outreach Worker Tayeesha Ruff. Not everyone is ready to accept Somerset Home’s services, but for those who are, the result can be life-changing. As one client explained, “I had nowhere to go and no one to call. [The outreach workers] helped me when I needed it most and I will never forget them for what they did.” “For 40 years, Somerset Home has been giving homeless youth a home and a hopeful future, says Executive Director David Walker. And with the continued support of a caring community, we will be here for another 40 years to offer a safe haven to teens who have nowhere else to turn.” Somerset Home provides

In the past, outreach counselors focused on Somerset County, but a grant from the N.J. Department of Children and Families will allow them to expand into Essex, Bergen, Hudson, Middlesex and Union counties beginning this month. The grant is part of the state’s effort to combat the growing problem of human trafficking. According to the National Center for Missing and Exploited Children, in 2012 one in eight endangered runaways were likely sex trafficking victims, sold into sex slavery by pimps, organized crime members and even their parents. Many homeless and runaway youth trade sex for money, food, or shelter in order to survive. Others

Street Outreach Worker Tayeesha Ruff talks with a teenage girl about options for finding a safe place to live. sevenprograms for adolescents and their families: Brahma House crisis intervention center; Passages, My Place and Whitney House transitional-living programs; Pathways independent-living skills program; Street Smart street outreach program; and Bridge House supportive-housing for homeless young adults. For more information about outreach and other Somerset Home services, visit www.somersethome.org.

When there’s nowhere else to turn, we give homeless youth a home and a hopeful future.

Learn how you can help change lives: □ □ □ □ □

Donate Volunteer Be an e-Helper Hold a fundraiser Collect needed items

Somerset Home for Temporarily Displaced Children 49 Brahma Avenue, Bridgewater, N.J. 08807 908.526.6605 ٠ somersethome.org

Breast Cancer Awareness By Charnise Calhoun Carter “Cancer... we were both only in our 30’s when diagnosed. My late husband had a malignant tumor removed. Just when I thought things could not get any worse, I was diagnosed with Breast Cancer”… In April of 2008 my late husband had a malignant tumor removed from his left parotid gland. Two years later after suffering from severe pain in his left hip he went to the hospital to only find out that he had metastatic salivary gland cancer. Just when I thought things could not get any worse, I was diagnosed with Breast Cancer (DCIS). How could this be? Both of us with cancer? I was now not only fighting for my husband’s life, but fighting for mine as well. My husband was giving 3 months to live, but through the lifestyle changes that we both made, he lived for a little over a year and I am now CANCER FREE!!!

Juicing 4 Awareness

Benefits of Juicing It appears that juicing is becoming more and more popular. It’s not uncommon to hear that someone was healed from cancer by juicing. Juicing is a major part of one’s healing. Just like “healthy eating” is important to people who have cancer or as a preventative measure, juicing provides the body with the proper vitamins and nutrients it needs to build your immune system. It’s a lot easier on our digestive system when we juice our vegetables and a fruit then it is to actually chew them. Juicing helps protect the body from infections along with killing off infectious cells. It also helps with the detoxification of the body so that toxins can be released. Detoxification is a crucial part of healing. A lot of times, we find it challenging to eat raw vegetables every day. For most people, juicing makes it easier to consume more fruits and vegetables in one single day. Juicing can be much more efficient than eating servings of raw vegetables every day. Eating raw vegetables can sometimes be harsh on the digestive system. We need to give our digestive system a break, allowing the cells time to heal and repair. Our bodies are able to absorb a greater amount of enzymes and nutrients by juicing. About Juice 4 Life, Inc. Juice 4 Life is an alternative and integrative cancer support nonprofit that works with those seeking an integrative and holistic approach to cancer treatment consisting of nutrition therapy, mind- body medicine, naturopathic medicine and spiritual support. We have supported hundreds of cancer patients and their families for the past 2

years. We educate and support all types of cancer patients and their families along with individuals who want to learn more about an integrative approach to cancer treatment and how to live a “healthy lifestyle” to prevent cancer or any disease. Juice 4 Life works with health practitioners who provide conventional and alternative treatments in order to maximize a patient’s healing at their request. The organization educates and supports people seeking alternative treatment options in conjunction with conventional treatment that may be in place. There are many alternative cancer treatment options available in today’s market for cancer patients, varying in method and purpose.

Beating CANCER through alternative remedies. Know your options!

Testimonial “I’m writing to express to you all, how thankful I am for this support group. Your healthy lifestyle tips, prayers and encouragement are greatly appreciated. I am feeling wonderful after my fifth therapy session, praise God! I will BEAT this with my chin up and a smile on my face. Thank you Juice 4 Life!” -Dionne, Washington, DC

pinach contains approximately 300-600 milligrams of chlorophyll per ounce. Chlorophyll has been found to be beneficial in increasing oxygen intake in blood. It neutralizes free radicals and therefore aids in deterring some cancers.

Disclaimer Juice 4 Life, Inc. makes clear that we do not recommend the abandonment of conventional therapies nor do we assume the risk of any alternative therapies.

Living ative

the

cin & Jui

g Recip

nd omme not rec assume the ern we do we to Alt r that nor do Guide kes clea therapies ies. al Inc. ma rap 4 Life, of convention rnative the Juice nment any alte risk of abando

Guide

Exe ry Honora Howard tion Juwan ball Associa ctors: l Basket ran Nationa Vete n Calhou e 4 Life Brandi M.E Falk son, Juic David r of F.A. tive Liai Founde Agent, rke rts Cla NBA Spo Wayne e 4 Life s: t, Juic Officer byis Lob se t hony Mu gletary any Sin liams r C. Ant ator Distric Tiff ato Sen Sen Wil d State Shawn Barnes 26 ety Marylan e of Saf O’bren r Ark Foushe r/Pasto rch Marrell Founde istian Chu n Chr Jackso Director Traci es, MD reative ager/C iliba Min sician g Man Dr. Sak Family Phy Brandin tive Integra of Dire

Legisla

org ife. e4l uic w.j ww

2 medium or 1 large cucumber (peel if not organic) Handful of spinach Couple of fresh basil leaves Lemon Thumbnail of ginger

Juice 4 Life, counts on the support of those in the community. If you believe in our mission go to www.juice4life.org to make a donation. For more information on how to purchase our “Guide to Alternative Living & Juicing Recipes” book please email us at info@juice4life.org.

ing ve Liv es ernati ip to Alt icing Rec u J &

r Carte lhoun under ise Ca /Fo ctors: Charn ive Director of Dire cut Board

Board

JUICE OF THE MONTH

houn

e Cal

Charnis

or Surviv Cancer 4 LIFE , Breast JUICE Carter Founder,

Breast Cancer Awareness By Paula Flory Paula Flory is the Director of the Breast Cancer Resource Center at YWCA Princeton. The organization’s support groups, wig and prosthesis boutique, wellness program, and outreach education initiatives have been pivotal in the recovery process of women for 40+ years. Paula is a Stage III breast cancer survivor. She has a Masters in Counseling Psychology from NYU and multiple certifications in exercise physiology. She is a wife and mother to two college-aged children.

a f o m o s o B y r e V e h t g n i ty i n i n Breast Cancer Attack i m e F ’s man o W

Flooded with images of breathtaking women every day, we begin to believe that despite the fact that we may be intelligent, compassionate, interesting, and ambitious, we are not feminine or sexy unless we can fill a lacy cupped bra and have a full head of luscious hair. So when a woman learns that she has breast cancer, it is the rare kind of person who does not feel the sting of losing some or all of the parts of herself that make her feel like a “real” woman. Regaining Your Femininity Most women will experience sadness at having to accept their new body, and others a period of mourning. There are things that a woman can do and places she can go to ameliorate this sense of loss of femininity that often accompanies breast cancer.

Hair Loss If you go through chemotherapy, you will inevitably have to deal with hair loss. Cut your hair short before treatments so that you won’t lose large clumps as you brush your hair. Seek a wig that you love and that makes you feel pretty for later in your treatments. When your hair thins, take control and shave your head, or have your hairdresser or a friend shave it for you. For some women, this is empowering and a way to declare, “Hey cancer, I’m tougher than you are!” Wrapping your head in a gorgeous scarf is another way to feel feminine and stylish. You don’t need to buy “cancer” scarves. Experiment with different shapes and various patterns. When you wear a wig or scarf, you’ll be surprised at how cool and stylish you’ll look! Prosthetic Breasts If you’ve had a mastectomy without reconstruction, then

wearing prosthetics may help you feel more feminine. Mastectomy bras are like regular bras, only there is a pocket for a prosthetic. Look for bras that make you feel attractive and pretty. There is no need to stick to a utilitarian bra style just because you have lost a breast.

Remember, you are a uniquely sexy woman now. Own it and rock a lacy bra under your clothes. So what if you are the only one who knows what your undergarments look like? After all, the most important relationship we have in life is with oneself. Developing a Support Network Join a breast cancer support group that meets your needs. There are groups for the newly diagnosed, young women, different ethnicities, and different stages of breast cancer. You can even find groups geographically and in a variety of settings (from hospitals, to homebased groups, to retreats).

bath, lighting up a room with positive energy, or flirting, go for it!

prosthesis boutique, wellness programs, and our services, go to: www.ywacprinceton.org/bcrc org.

Where ever you are in your breast cancer journey – newly diagnosed, in treatment, post-recovery – recognize you are not alone and your feelings are not unusual. If you are experiencing a sense of loss or mourning, find peace in knowing you are “normal.” Then, throw on a sassy scarf, look in the mirror and tell yourself, “I am a woman and I am a warrior!”

Testimonial After a breast cancer diagnosis, and pushing through the grueling treatments and surgeries, my identity as a “woman” was being destroyed along with the cancer cells, or so I thought. The YWCA Princeton’s Breast Cancer Resource Center enabled me to find my “inner warrior” and reclaim my femininity. It gave me my life back in a way the medical treatments couldn’t. Today, I am honored to help others live with, through, and beyond breast cancer. - Paula Flory

Breast Cancer Resource Center at YWCA Princeton To learn more about our breast cancer support groups, wig and

Share openly your cancer survival story and don’t be afraid to show off your new body. Beauty comes in all forms! If you are confident and feel good, others will too. A counselor who works with breast cancer clients can provide strength and insight as you move through this major life event, helping you unleash the multitude of feelings you are experiencing and empowering you in many areas of your life. Redefining Your Femininity In the face of breast cancer, a woman’s long-established definition of femininity is challenged head-on. Luckily, we can redefine it for ourselves in any given moment on any given day and make it mean whatever we choose. The power lies in the choosing. So whether it is wearing fancy clothes, a delicious bubble

  

Support Groups  Woman-to-Woman Network Private Counseling  Mind/Body Wellness Program Wig & Prosthesis Boutique  Community Outreach Education

Friday, October 11 fun, fashion, & fabulous women featuring fall/winter collections

Tickets still available! www.ywcaprinceton.org/bcrc 609.497.2100 ext. 349

Breast Cancer Awareness By Maurice Nahabedian, MD, FACS, Professor of Plastic Surgery Georgetown University Hospital Maurice Nahabedian, MD, FACS is currently a Professor of Plastic Surgery, Vice Chairman for Clinical Affairs, and Chief of the Division of Microvascular Reconstruction in the Department of Plastic Surgery at Georgetown University Hospital. His primary clinical and research interests are focused on breast as well as abdominal wall reconstruction. He has published over 130 manuscripts, editorials, and discussions as well as 42 book chapters on a variety of topics that include breast reconstruction and abdominal wall reconstruction. Dr. Nahabedian has been the principal editor of 3 textbooks and co-edited 2 textbooks

Breast Reconstruction...

Recent studies have demonstrated that only about 33% of women diagnosed with breast cancer will receive breast reconstruction following removal of all or part of the breast. This number seems alarmingly low when one considers the advancements and benefits that breast reconstruction can provide. Advancements in breast surgery have occurred based on our improved understanding tumor biology as well as our ability to reconstruct a breast with very natural shape, contour, and volume. Some of the advancements include partial mastectomy instead of total mastectomy, oncoplastic surgery, nipple-sparing mastectomy, autologous reconstruction using perforator flaps, and prosthetic reconstruction with various shaped devices and biologic materials. Some of the benefits of breast reconstruction include improved body image, improved selfesteem, reassurance that a normal appearance can be achieved, and a willingness to educate and help other women who have to make many difficult decisions regarding their reconstructive options. Who are Candidates for Breast Reconstruction? All women that are diagnosed with breast cancer that will be having surgical removal or the tumor or breast (partial or total mastectomy), should be provided the opportunity to consult with a plastic surgeon. Not all women will need breast reconstruction because the majority of women with breast cancer will choose to have breast conservation in which the treatment is a lumpectomy (tumor excision with a 1-2 mm margin) and postoperative radiation therapy without the need for reconstruction. However, in women that will need a partial mastectomy (tumor excision

with 1 – 3 cm margin) or total mastectomy (complete removal of the breast tissue), most will be able to undergo either immediate reconstruction (at the same time as the partial or total mastectomy) or delayed reconstruction (following the partial or total mastectomy). The main advantage of immediate reconstruction is that a woman will go to sleep with her breast and wake up with a new breast. Candidates for immediate reconstruction typically include those with early to mid stage breast cancers that are generally healthy. Delayed reconstruction is usually considered in women that have very advanced cancers or who have significant health related conditions such as cardiac disease, refractory tobacco use, or morbid obesity. The good news is that breast reconstruction will not interfere or impede with breast cancer surveillance. The reconstructive options for immediate and delayed reconstruction are generally the same; however, in women that had had prior radiation therapy, the reconstructive options may have to be individually tailored. Partial Mastectomy and Oncoplastic Surgery Oncoplastic surgery is a relative new reconstructive option that consists of partial mastectomy and immediate or staged-immediate breast reshaping. Stagedimmediate breast reshaping is considered in some women when total removal of the breast cancer is uncertain immediately following tumor removal. In these cases, once the pathology confirms complete removal, the reshaping is scheduled. The options for breast reshaping include breast reduction, mastopexy, use of implants, or the use of flaps. Breast reduction is most often considered in women

with large or ptotic breasts that would otherwise be good candidates for this operation. Even though the breast cancer may be in only one breast, the reshaping procedures are typically performed on both breasts at the same time in order to achieve balance and symmetry. A required component of oncoplastic surgery is postoperative radiation therapy. The purpose of radiation is to destroy microscopic cancer cells potentially remaining in the breast. The goal of oncoplastic surgery is to perform the breast reshaping prior to the radiation therapy. This is because revising a breast after radiation is associated with more difficulty and can sometimes result in delayed healing and suboptimal contour. The advantages of these oncoplastic procedures are that patient satisfaction is very high because a mastectomy is avoided, the nipple areolar complex is usually preserved, and surgical outcomes are usually excellent. Nipple Sparing Mastectomy In most women with breast cancer that are having a mastectomy, a skin sparing (SSM) approach is used. With this technique, the nipple and the areola are removed with a small rim of adjacent breast skin. Nipple sparing mastectomy (NSM) is relatively novel approach to improving surgical and aesthetic outcomes following total mastectomy. With this technique, the nipple and the areola are not removed. Although NSM has aesthetic advantages, it is not recommended for all women having mastectomy. This approach is frequently performed in women having prophylactic mastectomy (no breast cancer) who have mild to moderate breast volume. Women with “D” cup or larger breasts are sometimes not

candidates because of the risk of nipple death or necrosis. NSM is sometimes recommended for women with breast cancer that have certain tumor and breast characteristics. The primary tumor characteristics are that the tumor be less than 2.5 cm in diameter and that it be at least 3 cm away from the nipple-areolar complex. These distances are recommended to reduce the risk that tumor cells would be left behind following the mastectomy because many of the sites where the tumors are located are ultimately connected to the nipple via a systems of ducts. Consultation with a breast and plastic surgeon is necessary to determine candidacy for NSM. It is important to keep in mind that whether the mastectomy is nipple sparing or skin sparing, excellent aesthetic outcomes are possible. Reconstruction following NSM can be completed using either autologous tissue or prosthetic devices. Autologous Breast Reconstruction Breast reconstruction using ones own body tissues has been available since the early 1980’s. The primary donor sites at that time were the back (latissimus dorsi flap) and the abdomen (TRAM flap). Both of these options are still in use today and utilize the muscle, fat, and skin in the area. The tissues are tunneled under a skin bridge to the breast pocket and shaped into a breast. These flaps can create a nicely shaped breast but occasionally result in adverse events related to the donor sites because the muscle has been removed. Recent advancements with breast reconstruction using ones own tissues include the use of more donor sites without the need to remove any of the muscle. The

Breast Cancer Awareness focused on reconstructive and aesthetic breast surgery and is in the process of completing a 6th textbook on abdominal wall reconstruction. He is the Section Editor for Breast Surgery with the Journal of Plastic and Reconstructive Surgery (PRS), serves on the editorial board for 3 other journals, and has reviewed manuscripts for 23 different journals. Dr. Nahabedian currently serves on the clinical symposia committee and the instructional course committee for the American Society of Plastic Surgery, is the PRS representative to the Joint Business Operations Committee, and is a frequent oral board examiner for the American Board of Plastic Surgery. In 2012, Dr Nahabedian chaired three national symposia that included the 4th Annual Abdominal Wall Reconstruction Conference, the Santa Fe Breast and Body Contouring Symposia, and the Challenging Complications in Plastic Surgery Conference. Dr. Nahabedian has also been a visiting professor 55 times over the past 8 years at various universities and hospitals around the country.

Considering Your Options Women considering these options should be seen in consultation with a board certified plastic surgeon.

reconstructions are performed using only skin and fat and are referred to as perforator flaps. It is the skin and fat that make up the important components of a reconstructed breast. The most common and popular perforator flap is the DIEP flap (deep inferior epigastric artery perforator) but other options include the SIEA (superficial inferior epigastric artery), SGAP (superior gluteal artery perforator), TAP (thoracodorsal artery perforator), IGAP (inferior gluteal artery perforator), and the PAP (profunda artery perforator). Although these perforator flaps are capable of producing excellent results, they are associated with more complexity because most require microsurgery. A small artery and vein associated with the flap has to be attached to a small artery and vein at the breast site using an operating microscope. These flaps can be performed for unilateral or bilateral breast reconstructions and typically require 4-6 hours and 6-10 hours respectively depending on the skill and experience of your plastic surgeon. The main risks associated with these flaps is that there is a 1-3% chance of failure and a 4-6% chance of a donor site abnormality such as a bulge or fluid collection. The main advantage is that the reconstructed breast is usually soft and supple, resembles the original breast, and lasts forever. Women are usually able to continue with there normal activities without restriction.

Prosthetic Reconstruction Breast reconstruction using prosthetic devices remains the most common method of reconstruction in the USA and is utilized in approximately 75% of women. This is because it is relatively simple, has the potential for excellent aesthetic outcomes, and allows women to resume their normal activities sooner than some of the more complex operations. Ideal candidates for prosthetic reconstruction include women that are generally healthy, have a body mass index less than 30, and have mild to moderate breast volume. These operations can be performed in 1 or 2 stages. With the 1-stage reconstruction, a permanent implant is inserted following the mastectomy. This usually requires close coordination between the breast and plastic surgeon to ensure that the mastectomy is performed accordingly. With the 2-stage reconstruction, a tissue expander is temporarily inserted to either maintain the space or to further stretch the remaining breast skin following the mastectomy. The tissue expander is partially inflated during the initial operation and further expanded in the office. Once complete, the tissue expander is removed and replaced with a permanent implant. The permanent implants come in a variety of shapes, sizes, and types. They can be round or contoured, saline or silicone gel filled, smooth or textured surface. Selection of the optimal device will depend on the womanâ&#x20AC;&#x2122;s body and breast characteristics as well as the experience of the plastic surgeon.

reconstructive process using prosthetic devices. These cadaveric skin materials have been demonstrated to possess regenerative properties and have been useful for improving surgical outcomes. A key point to remember with prosthetic devices is that they do not last forever. Most devices will last somewhere between 10 and 15 years so additional operations are typically required. The main adverse events associated with these devices include but are not limited to infection, capsular contracture, and rupture. It is also important to remember that silicone gel devices have been cleared by the FDA and deemed safe and effective for this purpose. Silicone gel implants are ideal for women that have had a mastectomy because the remain skin and fat of the breast is sparse and the silicone gel mimics the normal breast feel more closely that saline implants. With these recent advancements in breast cancer awareness and reconstruction, more women are now opting for breast reconstruction following mastectomy. The techniques have improved, as have the results. Breast reconstruction is one of the best ways to facilitate the

The use of acellular dermal matrices has facilitated the

Maurice Nahabedian, MD, FACS Professor: Plastic and Reconstructive Surgery Georgetown University Washington DC

transition from being a breast cancer victim to a breast cancer survivor. Testimonial I developed an inverted nipple in 2006 but didnâ&#x20AC;&#x2122;t think much about it until one morning I woke up with my T-shirt dappled in blood stains in the chest area. A mammogram revealed abnormalities and was told I should see a surgeon as soon as possible. I began my search and knowing Georgetown had great reputation I called Dr. Shawna Willey office. I was in her office the next day. Six months later I developed breast cancer in the opposite beast, and after two lumpectomies Dr. Willey sent me to Dr. Nahabedian to discuss DIEP Flap surgery. At the time Dr. Nahabedian was the only surgeon in the area who had the knowledge and expertise to do DIEP Flap surgery. I underwent mastectomy by Dr.Willey and followed by immediate DIEP Flap by Dr. Nahabedian. I am forever grateful for the concern and care I received and count myself very lucky to have had Dr. Nahabedian care for me. I have total faith in both doctors, they put my mind at ease and help me recover quickly. - Erna H Pomrenke

202-444-2000 DrNahabedian@aol.com www.MauriceNahabedian.com 3800 Reservoir Road, NW Washington, DC 20007

Breast Cancer Awareness

By Christie Cook Christie Cook is the publisher of the Chesterfield Women’s Journal. Her love and passion of the Chesterfield Women’s Journal is unparalleled. As breast caner survivor, Christie works with other newly diagnosed women to help and support them as they meet and conquer the challenge of cancer.

It’s Time

Not understanding the “Why’s” isn’t always easy. At times, trying to figure out why things happen may be what is hindering us and holding us back. The time spent in looking back, keeps us from moving forward. One can never move to a better place if they are staying rooted in the negative experiences of the present and the past. There may, or may not, be a logical explanation as to why someone may be experiencing the challenges that they are facing. Our challenges can, and have in many cases, taken us to a place of pain, disappointment, hurt, and not being able to fully enjoy life. Many people are now faced with becoming full-time care givers, where there is no plan in place. Many people are feeling unsatisfied in their love relationships. Many people are concerned about their economic situation and providing for their families. Cancer has become so common among us, that it clearly has no regard for age, race, or one’s economic status. The challenges out there in living dayto-day are many, and sometimes the answers appear to be few. Have you ever heard the saying, “As long as you have a breath of air, you have hope”? It’s true, but you have to want to live in the now. Making the best of each moment regardless of how hard it may appear, pressing forward with an expectation that your situation will get better. Everything is not lost, it is not all hopeless. But in order to move to a place of having hope, from being in the place of being hopeless, you have to believe that your situation CAN change. That first step of belief is critical to moving forward; it’s the direction you want to be in. You must move to a place of overcoming. Quick answers and quick fixes don’t exist; it’s not what life is about. Many of the trials and tribulations that we face are experiences that we would

rather not go through if we had the choice. But there are lessons to be learned in every experience. Being unemployed and having to live on very little, teaches the lesson of being a good steward and manager of resources when the money does return. Having a failed relationship allows for the opportunity to be introspective and self-critical, so that we can evolve and be better partners in our next relationships. But you have to be open. You have to look for the lesson in every experience so that you can grow from it and move to a better place. Where you are in this moment does not define who you are and what you can achieve. Choose to not to give up, choose to press forward. Tough times don’t last, tough people do. Don’t allow yourself for a minute to believe that your circumstance can’t and won’t change. How do I know?? I know because I’ve had to make that journey first hand. I had to fight to figure out what a new normal was for me. Through the battle of breast cancer, and literally coming close to death as I fought for that next day, it was a pressing forward time. But I did it, and it wasn’t always happy moments. It was no easy thing to do, but I needed and wanted to be different and to be better. Words have tremendous power. Speak life into your circumstance, and seek the peace to know that it’s okay to take that step forward. Don’t look back, other than to see how far you’ve come. IT’S TIME!

Community andEducation By Gail Henderson Gail Henderson is the founder of nonprofit organization Family Outreach of New Jersey (FORNJ). She is a native of New Jersey and resides in Somerset with her husband Douglas. She is a devoted wife, mother of 3 and Grandmother of 12. Gail has a heartfelt desire is to bring healing and restoration for families in financial and emotional need. Gail’s love for her fellow man draws her to utilize any free time volunteering at Bergin Regional Medical Hospital. Although Gail is retired, all her available resources are focused on providing a healing and helpful atmosphere through conferences, workshops, and gospel concerts to bring about change for families in need.

Our Children Are Exploding With Talent!

“Planning for the 2nd Annual Youth Explosion is well underway,” says Gail Henderson, Founder of the Family Outreach of New Jersey (FORNJ) nonprofit organization. “The purpose of the Youth Explosion is to bring together our community, people from all walks of life, to support and encourage our youth while they showcase their talents as we raise funds to help those less fortunate.” All proceeds raised from the Youth Explosion are used to benefit underprivileged families of New Jersey. The Youth Explosion provides a positive outlet for children to gain confidence in their

abilities while being supported by family, friends and the community. This exciting event hopes to empower, encourage, and engage the community. Last year, over 400 people came out to support the children in this mega talent show and to watch 13 acts vie for a first place cash prize of $1,000. Between the talents, FORNJ provided entertainment from comedians to local singers to a well-known Brazilian pianist and percussionist to a flash mob dance number. Vendors and food were also onsite. The energy in the building was positively electric. Last year’s winners, The Finger Singers, practiced consistently

throughout the summer. They used sign language while dancing to songs by Michael Jackson and the Jackson Five to mesmerize the audience. Even children who may have been disappointed because they did not win are coming back this year to try again. What is extremely powerful is the peer support from the youth in the audience that truly shows these children care for one another and want to see each other do well. On October 26, 2013, the Youth Explosion will be held at the Ukrainian Cultural Center on Davidson Avenue in Somerset, New Jersey. Children aged 13-18 and 19-25 will compete to win

separate cash prizes of $1,000. Auditions were held in May and ended in August. Whether you have a child participating or not, we encourage the local community to come out to support our children, the future leaders of our community. Doors open at 5:00pm. For ticket information, please visit our website https:// youthexplosion2.eventbrite.com. If you wish to help by donating to this cause, please do so by sending all tax deductible donations to F.O.R.N.J, P.O. Box 5763, Somerset, NJ 08875. Vending opportunities are still available. For more information contact Gail Henderson (732)668-5648 or Lisa Winfrey (732) 619-7965.

E SAVINGS SAVINGS PROGRAM PROGRAM E

the same same time, time, they they also also quences.Contributions Contributionscan can the quences. control the assets and can be made in one lump sum employs a disciplined process that We utilize some of the finest and the assets and can beutilize made in ofone lump sum control Rebalance your employs a disciplined process that We some the finest and The newer variety of 529 529 is your Rebalance your Now bills, eveninstitutional though of your future isinstitutional through anmoney obretain the power power to control control orin in monthly installments. Get Started The newer variety d most reputable sophisticated inves-is most retain the to or monthly installments. portfolio. n reputable institutional money sophisticated institutional investhe savings plan. It’s simiportfolio. withdrawals from the acacAndassets assets contributed toaaa withdrawals portfolio jective analysis of your These portfotheinvestment savings plan. It’shas simi- managers inthe thecontributed country. tors have followed fordecades decades the And to Tocontrol controlrisk, risk,from weincorporate incorporate managers in country. These tors have followed for To we lar to an investment acplan. In addition, there are no The programs 529 plan is a great way typically will pay gifts to the beneficiary, so count. By accelerating accelerating use 529 plan are not considered dropped ininvestment value? lio and strategy. “financial gather your: antheir In addition, there are no use managers are carefully selected inlar managing investments. aSimply formal portfolio rebalancing programs typically will pay gifts 529 plan isnot aThis great way plan. totothe beneficiary, soac- The count. By 529 plan are considered guarantees regarding thetax per-exclumanagers are carefully selected in managing their investments. a formal portfolio rebalancing count, but the funds for grandparents to shelter future college tuition at any anyone — even non-relaof the annual gift owner’s part of the account Presented by Glenn r. toussaint, CFP®, ChFC®, aaMs guarantees regarding thetax per-exclu• And, Most are checkup” is one way to ensure count, but the funds and continually monitored by program that uses state-of-the art itemploys employs adiverse diverse range for grandparents toClu, shelter future college tuition at any anyone —importantly, even non-relaof the annual gift owner’s part of the account formance of theuses underlying in- art and continually monitored by program that state-of-the And, it a range accumulate tax deferred. formance of the underlying in- — inheritance money from esof the sponsoring state’s eltives — can contribute up to sion, a grandparent as estate, therefore avoiding you not getting that your therefore portfolio is avoiding properly SEI Financial Management, accumulate tax sufficient deferred. Since 1983, Glenn Toussaint has beeninheritance the President of Toussaint Financial Associates. Ingrandparent addition to the vestments in Section 529 plans. technology to maintain asset • Last twelve months’ of of asset classes, investment styles, money from esof the sponsoring state’s eltives — can contribute up to sion, a — as estate, SEI Financial Management, vestments in Section 529 plans. technology to maintain the asset of asset classes, investment styles, Withdrawals from statetate taxes and contribute igiblecolleges collegesand anduniversiuniversi- $12,000 $12,000 per year (in 2007) 2007) well as anyone, anyone, for that estate taxes upon the The tax implications of athe Section managing the firm’s operations, his professional responsibilities focus onthe a variety ofimplications areas including one of the world’s leading Withdrawals from stateadvice and guidance on managed and your strategy class exposures within boundarand nationally prominent investfinancial statements; tate taxes and contribute igible per year (in well as for that estate taxes upon The taxexposures of athe Section one of the world’s leading class within boundarand nationally prominent investsponsored 529 plans are 529 savings plan should be dissubstantial amounts to a ties (and some will pay an per beneficiary without inmatter — could elect to use owner’s death. investment management, financial and estate planning, qualified retirement plans, insurance and employee investment management firms. sponsored 529 plans are substantial ies ofyour your— asset allocation policy. plan should be tax disment managerslosses towithout meet your spereducing and enstill suitable. A comprehensive amounts to a 529 ties (and some will pay an per beneficiary inmatter could elect totax use owner’s death. • savings Last two years of investment management firms. ies of asset allocation policy. cussed with your legal and/or ment managers to meet your spefree of federal income tax as benefits. includes Certified Financial Planner (CFP®); College of your Financial Planning student’s college fund. Atin-cussed equalamount amountto toprivate privateand and curring curring giftyour tax conseofbenefit annual fivewith years’ worth legal and/or tax SEI hasover over twenty-five year’s This provides the added freehancing ofFinancial designations federal income tax cific objectives. chances of as portfolio assessment should student’s college fund. At equal gift tax conseof annual five years’ worth advisors because they can vary returns; SEI has twenty-five year’s This provides the added benefit cific objectives. 1992, Chartered Life Underwriter (CLU); American College 1994, Chartered Financial Consultant (ChFC); long as they are used for Major Benefits advisors because they can vary the same time, they they also significantly out-of-stateinstitutions). institutions). quences. Contributions can exclusions by making sinexperience providing investment of built-in “sell high, low” long as they are used for2the Major Benefits from state tobuy state. The result islost well-tuned, same time, also out-of-state quences. Contributions can exclusions by making aasinBy regaining ground? clude not only yourinvestment individual experience providing • aabuilt-in Any financial or estate of “sell high, buy low” American College Accredited Asset Management Specialist (AAMS); College of Financial Planning significantly from state to state. The result iscollege aa1997, well-tuned, qualified expenses. By 2 control the assets and can be made in one lump sum gle contribution of as much Also note that most states offer management consulting services strategy. qualified expenses. five-step asset management employs adisciplined disciplined process thatis We We utilize some of the finest and control the assets and can be made in college one lump sum gle contribution ofmay as much Rebalance yourplans Seek out best. Also note thatthe most states offer management consulting services securities holdings, but also an 1999, andsome Accredited Wealth Management Advisor (AWMA®); College of Financial Planning 2009. He has strategy. plans that you have. These savings generfive-step asset management employs a process that utilize of the finest and The newer variety of 529 Unlike the case with pretheir own Section 529 plans, Rebalance your Seek out the best. bills, even though your your future is through an obinvestment destiny; retain the power to control or in monthly installments. as $60,000 per beneficiary to some of the largest and most These savings plans generGet Started Now Glenn R.institutional Toussaint,of CFP®, CLU, TheGlenn newer variety 529 is Unlike the case with pretheir own Section 529 plans, process designed to respond to most reputable institutional money sophisticated invesretain the power togoals control or in monthly as per beneficiary portfolio. been voted one of installments. “America’s Best Financial Planners” by Consumers Research Council America 2004- investoassessment some of the largest and most In $60,000 today’s complex world, R.institutional Toussaint, CFP®, CLU, most Recent market volatility makes ofpeople your and ally allow of any inwhich may of provide advantages process designed to respond to reputable institutional money sophisticated investhe savings plan. It’s simipaid tuition plans, contriIn complex world, inves• in Strategies for reducing tax withdrawals from the acAnd assets contributed to atheportfolio. intoday’s 2007 (orresults. aadvantages couple could investment portfolio has jective analysis ofneeds your portfoprestigious companies inthe the ChFC®, AAMS ally allow people of any inwhich may provide Report the the savings plan. It’s simipaid tuition plans, contriyour individual while also 2010*. He is an active member of Financial Planning Association. managers in the country. These tors have followed for decades withdrawals from the acAnd assets contributed to a To control risk, we incorporate 2007 (or a couple could prestigious companies in and benefits exclusively for their ChFC®, AAMS tors find it difficult to develop and Report the results. this a challenging time for risk tolerance, your tax status come level to contribute, As a licensed independent your individual needs while also managers in the country. These torslar have followed for decades To control risk, we incorporate to an investment acbutions can be used for all and benefits exclusively for their tors find it difficult to develop and nation. count. By accelerating use 529 plan are not considered contribute $120,000 in liabilities; Asour our client, youwill will receive dropped ininvestment value? lio and strategy. This “financial comeportfolio level to contribute, gather your: to antheir butions can bedynamics used for residents and taxpayers. The tax- in responding tothe the of all count. managers are carefully selected inlar managing investments.ac- managers aSimply formal rebalancing nation. By accelerating use 529 plan are not considered contribute $120,000 As client, you receive implement a well-structured investand there are no age limits residents and taxpayers. The taxresponding to dynamics of are carefully selected investors. The ongoing credit and potential liabilities, and a financial advisor, I can then in managing their investments. a formal portfolio rebalancing count, but the funds qualified higher-education implement a as well-structured investYour portfolio would beexcludiversiofand the annual gift tax owner’s part ofthe the account 2007), long as provino other one ofthe the most comprehensive free qualified withdrawal there are no age limits free • one Strategies to diversify your • And, Most importantly, checkup” is one way toowner’s ensure count, but a diverse the are funds and qualified higher-education continually monitored by the capital markets. program that uses state-of-the art itemploys employs range Your portfolio would be diversiof the annual gift tax exclupart of account 2007), as long as no other of most comprehensive qualified withdrawal proviment plan on their own. As expefor the student. The acand continually monitored by the capital markets. program that uses state-of-the art And, it a diverse range review your financial informacrunch, fears over a recession, cost/benefit analysis of the fees accumulate tax deferred. expenses (tuition, fees, sion of these plans is due to fied by utilizing multiple specialist ment plan on their own. As expesion, autilizing grandparent — as as estate, therefore avoiding Passet resented by tax sufficient contributions arereporting made for and easy-to-understand reporting forLast student. The ac- sion to isreduce risk; for youclasses, not by getting that your portfolio is avoiding properly SEI Financial Management, accumulate deferred. expenses (tuition, fees, sion, Yourportfolio portfolio strategy begins ofportfolio these plans due to technology to maintain themaintain asset • twelve months’ of fied byathe multiple specialist investment styles, SEI grandparent — estate, therefore resented contributions are made and easy-to-understand rienced investment professionals, Financial Management, count owner can expire after December 31, 2010 Your strategy begins technology to maintain the asset ofofP asset classes, investment styles, tion, discuss your current goals, Withdrawals from statebooks, equipment and supand weak economic data may and expenses you are paying. managers combined in a unique rienced investment professionals, packages available. It includes a well as anyone, for that estate taxes upon the that beneficiary for five G lenn r. t oussaint , count can maintain expire afterbeneficiary December 31, 2010 • packages to to your investone ofthe thepersonalized world’s leading Withdrawals from state- one books, equipment andthe sup- well advice guidance on with investment managed and your strategy class exposures within the boundarmanagers combined in aboundarunique and nationally prominent investfinancial statements; It includes as owner anyone, for that estate taxes upon that for afive G lenn r. and toussaint ,plans unless new4available. legislation is enacted we areAnswers committed understanding of world’s leading control of the account untilunless with aaleft personalized investment class exposures within the and nationally prominent investsponsored 529 are plies, room and board), and “style neutral” approach. For and provide you with: new legislation is enacted have you uneasy about your we are committed to understanding consolidated account statement matter — could elect to use owner’s death. years. If the account owner CFP®, Clu, C h FC®, aaMs What Should I Do Now? you and your family. is one way to ensure that your • Any financial or estate plans control of the account until 4 questions investment management firms. ment and sponsored 529 plans are plies, room and board), and ies of your asset allocation policy. analysis, and then graduates “style neutral” approach. For by congress. ment managers to meet your spereducing losses and enstill suitable. A comprehensive Looking for a tax-advanconsolidated account statement ofof matter could elect to use —by owner’s death. years. Ifneeds, the account owner • example, Last— two years of tax CFP®, Clu, C hFC®, aaMs your unique and providing investment management firms. ies of your asset allocation policy. funds are withdrawn analysis, and then graduates congress. ment managers to meet your speLooking for a tax-advanthe U.S. stock portion free of federal income tax as the funds usually can be activity, quarterly account-level peryour unique needs, and providing As the markets tax haveas SEI portfolio is the properly managed that you may have goals and investments. A “financial checkup” can help ofbenefit annual five years’ worth dies, the 529 plan balance 3.activity, SavingForCollege.com funds are withdrawn — 3. hasTo over twenty-five year’s This provides the added example, U.S. stock portion free ofinvestment federal income through hetwenty-five portfolio constructhe funds usually canin-beThis concerns; cific objectives. quarterly account-level pertaged college savings plan hancing your chances of portfolio assessment should of annual five years’ worth dies, the 529 plan balance returns; SavingForCollege.com the time and resources to formulate SEI has over year’s Back The Basics provides the added benefit through he portfolio construcand, if desired, can even cific objectives. taged college savings of your blends four long as they are are used for experience Major Benefits used at all accredited post-of dropped significantly from theirplan and your strategy still suitable. 4. formance If the donor makes to theformulate five-year reporting and adetailed detailed the time and resources • Recommendations that exclusions by making sinis not considered part of his you regain control ofcan your and, ifportfolio desired, even 4. providing investment abuilt-in built-in “sell high, buy low” of your portfolio blends four tion process inyour which multiple long as they used for Major Benefits used at all accredited postIf donor makes and the five-year reporting afinancial The result isno awell-tuned, well-tuned, • formance Decision-making methods that has no age restrictions, exclusions by making aastyles. sinis not considered part of Iftion youprocess are experiencing any As athe licensed independent regaining lost ground? clude not only individual providing investment • Any financial or estate a prudent investment strategy to his 2 experience of a “sell high, buy low” in which multiple change the beneficiary as election and dies during the five2007 highs, you most likely have A comprehensive portfolio The result is a that has age restrictions, mutually exclusive equity qualified college expenses. secondary schools in the What Should I Do annual tax report. a prudent investment strategy to 2 gle contribution of as much or her estate for tax purwill help you manage your management consulting services change the beneficiary as election and dies during the fiveWhat should you doservices now? personal goals and investment strategy. mutually exclusive equity styles. asset classes, style allocations and qualified college expenses. secondary schools inand thestrategy. annual tax report. five-step asset management of these “Red Flags”, then this advisor, Ihelp canestate then review no income phaseout limits, to you make the right gle contribution of as much or calendar her for tax puryear period, partyour of the management consulting securities holdings, but also an help you protect and increase your plans that you may have. watched your portfolio value drop assessment should include not only year asset classes, style allocations These savings plans generlong as he or she is within five-step asset management A personalized asset This approach mitigates the no income phaseout limits, More importantly, we are here Unlike the case with preUnited States. The risk with calendar period, part of the you protect andrevert increase your as $60,000 per beneficiary poses. some ofan the largest and most These savings plans generlong as as hewell or she isthewithin help Now? A personalized asset This approach mitigates Please take the time tomost contact strategy, as alleviate could beof indication that your financial information, discuss your multiple specialist money managMore importantly, weback are here Unlike the with pre- to United States. The risk with as contribution could to process designed torespond respond nodesigned residency requirements $60,000 per beneficiary poses. choices to with get back on some the largest and along with the case markets. But, your individual securities holdings, wealth. Recent market volatility makes assessment of your goals and multiple specialist money managally allow people of any inthe immediate family of the contribution could revert back to volatility inherent in any single process to totoat the toprestigious no residency requirements to provide you the highest paid tuition plans, contrithese plans is that investmanagement process wealth. in 2007 (or a couple could companies in the the donor’s estate. ally allow people of any inthe immediate family of the Report the results. investment strategy doesn’t current goals and provide you volatility inherent in any single to provide you with the highest ers are combined to meet your paid tuition plans, contrius for a complimentary consome of your concerns. plans is that invest-Report management process your individual needs while also andaone one you can use to torisk same time, more worrisome drop but also an assessment of your in 2007 (or aindependent couple could companies in the track. donor’s estate. the results. ersthese are combined tocontribute, meet your this a— challenging time foralso tolerance, your tax status come level to contribute, investment style. beneficiary. A 529 529the original As a licensed your individual while level ofpersonalized personalized service any — and you can use butions canneeds be used for all prestigious By comparing different ments may lose money, orgoals nation. accurately reflect your current with: for successful investing. contribute $120,000 in As our client, you will receive come level to investment style. beneficiary. A original level of service atatany investment objectives. As the investment markets butions can be used for all may have occurred – a drop in your and risk tolerance, your tax By comparing different ments may lose money, or responding to the dynamics of sultation to ensure a lifetime pay for more than just tunation. for successful investing. contribute $120,000 in As our client, you will receive Through us, you now have priviinvestment objectives. Inthe addition, allocating a sim-Through and there are no age limits plan is also extremely responding to the dynamics of tu-and Contact Glenn Toussaint for statime, whether it’sToussaint reviewing the investors. The ongoing potential liabilities, and a wellone financial advisor, Ias cannothen pay for more thancredit just qualified higher-education plans, you can determine may not perform personal situation. Your portfolio would bediversidiversi2007), as long us, you now have priviof most comprehensive In addition, allocating aother and there are no age limits plan is also extremely sim- • time, Contact Glenn for staconfidence ashigher-education an significantly investor, a drop status and potential liabilities and whether it’s reviewing the qualified plans, you can determine may not perform wellone the capital markets. have dropped ition? Glenn Toussaint is located at T Your portfolio would be of benefits for you and your 2007), as long as no other of the most comprehensive Recommendations that support and assistance with Contact Glenn Toussaint for leged access to the disciplined process portion of assets to international for the student. The acNext Steps ple when it comes to tax retus of your account or consulting the capital markets. ition? review your financial informacrunch, fears over aseverity recession, cost/benefit analysis of thecollege fees expenses (tuition, fees, for which might be available to cover enough fied by utilizing multiple specialist Determine your risk support and assistance with chieving financial success contributions are made for and easy-to-understand reporting leged access to the disciplined process caused by both the of the a cost/benefit analysis of the fees portion of assets to international for the student. The acple when it comes to tax retus of your account or consulting expenses (tuition, fees, fied for which might beAmerica’s available to cover collegeand enough Yourportfolio portfolio strategy begins these and other aspects of byexample, utilizing multiple specialist Determine your risk For your portfolio now will help you manage your form their 2007 highs,begins you chieving financial success contributions are made for easy-to-understand reporting Fieldcrest Ave., 5th Flr., Edison family. stock and bond investments can these employed byand many of largest support assistance with with us on any matter of concern count owner can maintain porting — the sponsoring Your strategy and other aspects of tion, discuss your current goals, books, equipment and sup- managers your situation. You may costs as anticipated. and weak economic data may and expenses you areamaintain paying. combined in unique declines and a lack of guidance and expenses you are paying. packages available. It includes a is a complex and confusing stock and bond investments can that beneficiary for five employed by many of America’s largest with us on any matter of concern count owner can porting — the sponsoring planning your financial future. profile and investment Consider the 529 savings could: investment destiny. books, equipment and supyour situation. You may costs as anticipated. with a personalized investment managers combined in a unique available. Ittake includes afive isroom a complex and confusing that beneficiary most likely have watched your 732-417-2419 or e-mail him at your financial future. further reduce your portfolio’s profile and investment Consider theinvestment 529 companies, and to nationally promito you. control of the account until packages state, not you, isfor responsiwith aleft personalized these and other aspects of 4 want and direction regarding howsavings best If you to back conplies, and board), and find that 529 programs “style neutral” approach. Foruntil and provide you with: Glenn Toussaint is located at have you uneasy about your consolidated account statement of planning further your portfolio’s challenge tothen even the most expeyears. If the account owner companies, and to nationally promito you. control of the account state, not you, is responsi4 reduce plan, an increasingly popuplies, room and board), and find that 529 programs analysis, and graduates “style neutral” approach. For Glenn Toussaint is located at nobjectives. consolidated account statement of A financial checkup can help you challenge to even the most expeIfrisk the account owner portfolio value drop along with overall and improve is: www.touss plan, an popunent investment managers. to getand back onincreasingly track toward your areU.S. withdrawn — years. and then graduates In most cases, 529 savings blefor for all income tax record Financial Associ• funds Have become too concentrated • Toussaint Strategies to diversify your planning your financial future. - analysis, objectives. example, the stock portion the funds usually can be example, make saving forAssocicollege easBack To The Basics trol of your investments, conactivity, quarterly account-level per- Toussaint overall risk and improve rienced investors, requiring asigsiggoals investments. A “financial checkup” can help dies, the 529 planpersonal balance nent investment managers. funds are withdrawn — In most cases, 529 savings ble all income tax record Financial lar way to save for higherthe U.S. stock portion through he portfolio constructhe funds usually can be make saving for college regain control of your th easEvery investor has different activity, quarterly account-level pern rienced investors, requiring a dies, the 529 plan balance Contact Glenn Toussaint for support potential return. International ates, 105 Fieldcrest Ave., 5 long-term goals. the markets. But, at the same lar way to save for higherin certain industries or types portfolio to reduce risk he portfolio construcand, if desired, can even plans place investment dolkeeping. At the end of the th Every investor has different n through your blends foureven used atamount all accredited postierto than before. formance reporting and adetailed detailed Contact Glenn Toussaint for support return. International 105 Fieldcrest Ave.,upon 5 tact me forAt a complimentary nificant time, knowl• Recommendations that ispotential not considered part ofof his you regain control ofcan your and, ifportfolio desired, plans place investment dol-formance keeping. the the ates, Talk usabout about improving goals and investment strategy, education expenses, which ofof your blends four tion process inwhich which multiple used at all accredited postier than before. needs and objectives. Itfinancial iscritical critical reporting and aend Flr., Edison, NJ 08837 and s, nificant amount ofoftime, knowlis not considered part of his aspects of planning your financial fut investing involves certain risks, of portfolio securities (such asIt Talk to us improving upon education expenses, which time, a more worrisome drop process in multiple change the beneficiary as lars in a mix of funds based year when the withdrawal is Registered Representative an needs and objectives. is Flr., Edison, NJ 08837 and , tion mutually exclusive equity styles. secondary schools in the annual tax report. aspects of planning your financialoffutu investing involves certain risks, edge andyour resources. That isshould why If you are experiencing any financial review. This or her estate for tax purwill help you manage your If that’s situation, you as well aswhen alleviate some of checkup our change the beneficiary as lars in ayour mix ofinvestment funds based year the withdrawal is • Answers to your investment may be reached at 732-417What should you doThat now? personal goals and your investment portfolio. mutually exclusive equity styles. have more than tripled over asset classes, style allocations and to discuss own financial sitsecondary schools in the annual tax report. s, edge and resources. is why stocks and REITs) in an Toussaint Financial Associates, 105 or her estate for tax pursuch as currency fluctuations, may be reached at 732-417your investment portfolio. have more than tripled over asset classes, style allocations and to discuss your own financial sit- concerns. long as he or shethe isthe within “Â© 2007 Emerald Publicaon the age of beneficimade for college, college, you will 2419 may have occurred – risk a demand drop in This approach mitigates visory Services Offered Through , know More importantly, weare areyou here Toussaint Financial Associates, 105 FF such asimportantly, currency fluctuations, United States. The with or2007 e-mail him at: gtousthat the key to regaining many affluent investors questions and concerns poses. of these “Red Flags”, then could simply reconfirm thatwill long as he or she is within “Â© Emerald Publicaon the age of the beneficimade for This approach mitigates the the past two decades — Please take the time to contact strategy, as well as alleviate uation with a skilled investment multiple specialist money managMore we here United States. The risk with attempt to capitalize on short2419 or e-mail him at: gtouss many affluent investors demand 08837 and can be reached at 732-41 economic instability, and political poses. the past two decades uation with a skilled investment specialist money managthe immediate family ofallocathe toeconomic tions” ary, with account receive Form 1099 from the saint@htk.com. volatility inherent any single His website is: your confidence asthat an invess multiple provide you with the highest control over your investing future —volatility 08837 andforward can be reached atis: 732-41 instability, and political (HTK). Registered Investment these plans is investafor different investment approach, the immediate family of the tions” ary, with account allocareceive Form 1099 from the inherent inin any single this could bebefore an indication you should “stay the course” saint@htk.com. His website term market trends; We look to serving your with annual costs of more professional you begin to provide you with the highest ers are combined to meet your us a complimentary consome of your concerns. these plans is that investo saint@htk.com. His website ww developments. Additional risks a different investment approach, Next Steps • Decision-making methods We look forward to serving your cial.com. www.toussaintfinan with annual costs ofbasic more professional before you begin are to their meet your investment style. beneficiary. 529 original tions beneficiary. becoming morelevel state, andthere there is only onewww.toussaintfinan in asking yourself some ofpersonalized personalized service atany anyone o erslies saint@htk.com. Hiscial.com. website is:is: www developments. Additional risks tor, acombined drop caused by both the By comparing different ments may lose money, orfor (732)-225-0777. Toussaint Fi one that elevates portfolio investment style. AA 529 original tions becoming more state, and is only needs in a highly confidential maninvesting. level of service at than $30,000 per year that your investment strategy with your current strategy. investment objectives. By comparing different ments may lose money, or If you want to take back control sultation to ensure a lifetime Registered Representative of and Se may be associated with Emerging uone that elevates their portfolio to help you make the right Sources: questions: needs in a highly confidential maninvesting. than $30,000 per year for objectives. • Contain more risk than you In addition, allocating a plan is also extremely simconservative as the time for figure to enter on it: the time, whether it’s reviewing the staRegistered Representative of and Sec may be associated with Emerging - investment Sources: plans, you can determine may not perform well severity of the declines and a beyond one-dimensional strateH In addition, allocating a plan is also extremely simconservative as the time for figure to enter on it: the We will help you determine time, whether it’s reviewing the staner and helping you succeed in this of your investments, contact me the average private fourchoices to get back on track. plans, you determine not perform well doesn’t accurately reflect your However, itofcan may help idenServices Offered Through Hornor, To Markets securities, beyond one-dimensional strateGlenn Toussaint isincluding located at Toussaint Financial Associates, ofmay benefits for you and your may find comfortable intax today’s We will help you determine nerServices and helping you succeed in 105 this Tow thewhile average private four-portion of assets to international Next Steps ple when it comes to recollege draws closer. But reamount income to report tus of your account or consulting Offered Through Hornor, Markets securities, including for which might be available to cover college enough 1 Determine your risk gies leveraging the expertise lack of guidance and direction portion of assets to international 1. The College Board, 2006 Investor “Red Flags” forilliquidity a complimentary financial ple when it comes to tax re-re-tus whether you need investments college draws closer. But amount of income to report ofFieldcrest your account or consulting world investment opportunity. Named after year college. for world might be available toyour cover enough Registered Investment Advisor. Mem and volatility. 1 risk current personal situation. tify ifthe changes are necessary Determine gies whilecollege. leveraging the college expertise environment; Ave., 5th Flr., Edison, NJ 08837 and can be Advisor. reached at 1. The College Board, 2006 family. whether you need investments stock andbond bond investments canhavewhich ofofGlenn investment opportunity. Named after year with us on any matter of concern porting — more the sponsoring Registered Investment Memb illiquidity and volatility. cently, states on student’s tax return. Contact Toussaint for 2. As with other investments, your situation. You may costs as anticipated. of highly skilled professional • Are you concerned about review. This checkup could simply stock and investments can regarding how best to get back Registered Representative of that produce income, growth with us on any matter of concern A8CD porting — the sponsoring cently, more states have your onbetter the student’s tax return. profile and investment theas section of the the tax tax code codefurther HTK does not offer tax legal advic 2. As with other investments, You may costs anticipated. of the highly skilled professional to reflectoryour current Registered Representative of that produce income, growth 732-417-2419 e-mail him at: support gtoussaint@htk.com. His website reduce your portfolio’s and investment ss profile section of and with these to you. situation. there are assistance generally fees and exHTK does not offer tax oror legal advice A8CD-0129-02 state, not you, you, is responsicontracted professional If you want to take back conyour retirement savings and reconfirm that find that 529 programs • Be poorly designed – or not and Securities and Investment investment managers. further reduce your portfolio’s or a combination of both. to you. there are generally fees and exon track toward your longA8CD-0129-02 state, not is responsicontracted professional Brinson, Hood and Beebower Research uthat authorized authorized them, 529 529overall advisor regarding your cir find that 529 programs and Securities and Investment concerns investment managers. objectives. penses associated withindividual participaor aat combination both. For example, your portfolio needs. and other aspects of your planning your circ risk and improve Benefits for Grandparents Brinson, Hoodand and Beebower Research is: www.toussaintfinancial.com. - objectives. them, advisor regarding Inthat most cases, 529 savings ble for all income tax record money managers — many make Advisory Services Offered whether oroffers not Basics you will bekind overall all designed –of totax consider saving for college eas- Advisory penses associated withindividual participaBack To The trol of your investments, conOur firm just this Report in 986 for risk and improve Benefits Grandparents Furthermore, we will help you In most cases, 529 savings ble for all income record money managers — many Services Offered term goals. Associates is Independent of HTK. rplans (also known as qualition in a Section 529 savings make saving for college easEvery investor has different should “stayToussaint the coursefor“with Our firm offers just this kind Report inGlenn 986 financial Furthermore, we willend help youthe you Contact supportand and assistance with these andofother other potential return. International Through Townsend & now ableinvestor to(also retire when you had Associates iswith Independent HTK. - plans known as qualition infuture. aHornor, Section 529 and savings after-tax place investment dol- potential keeping. At the of well-known investment Every has different ierthan than before. ofplans approach. We offer aprograms) program Contact Glenn Toussaint for support assistance these return. International Through Hornor, Townsend & tact mecould: for areturns; complimentary define your investment time horiplans place investment dolkeeping. At the end of the well-known investment h fied state tuition your current strategy. However, it ier before. needs and objectives. It is critical Kent, Inc. (HTK). Registered Inof approach. We offer a program define your investment time horiaspects ofplanning planning yourfinancial financialoffuture. future. Glenn Toussaint islocated located atIninvesting involves certain risks, planned? h needs fied lars instate aexperiencing mixtuition oftofunds funds based year when the withdrawal is aspects Registered Representative and Securities and Investment Adfirms —the to actively manage and objectives. It isprograms) critical Kent, Inc.Representative (HTK). Registered Registered of and at of your Glenn Toussaint is investing involves certain risks, that is designed protect and zon and risk profile. If you are any financial review. This checkup may help identify if changes are vestment Advisor. Member lars in a mix of based year when withdrawal is firms — to actively manage th • Be generating significant er are now offered inyou almost discuss your own financial sitIf that’s your situation, that is designed tothe protect and zon and riskbecome profile. Edison, NJ Toussaint Financial Associates, 105Fieldcrest Fieldcrest Ave., such as currency fluctuations, Securities and Investment Advisory vestment Advisor. th Flr.,Member r toto• are now offered in almost • and Have too concendiscuss your own financial sit“Â© 2007 Emerald Publicaon the agelong-term of beneficimade for college, you will soToussaint market their plans, visory Services Offered Through Hornor, Townsend & Kent,NJ Inc. Flr., Edison, Financial Associates, 105 Ave., 55(732)-225-0777. such as currency fluctuations, increase your wealth by delivering FINRA/SIPC Has your investment necessary to better reflect your costs and expenses without of these “Red Flags”, then could simply reconfirm that “Â© 2007 Emerald Publicaon the age of the beneficimade for college, you will and market their plans, so — every state. uation with a skilled investment Services Offered Through Hornor, increase your wealth by delivering FINRA/SIPC (732)-225-0777. should know thatinvestment the key to 08837 and can be reached at 732-417-2419 or e-mail him at: gtouseconomic instability, and political — uation every state. with a skilled Set your asset tions” ary, with account allocareceive Form 1099 from the number of ina growing HTK does not offer tax or legal trated in certain industries and can beand reached at 732-417-2419 or &e-mail himFINRA/SIPC at: gtousinstability, political (HTK). Registered Investment Advisor. Member strategy become a short term economic current concerns needs. thecould potential forindication superior after-tax personalized service Townsend Kent,offer Inc. (HTK). Set your asset tions” ary, with account allocareceive Form 1099 from thein-08837 number of aproviding growing HTK does not tax or legal you should “stay theand course” this bebefore an professional you begin the potential for superior after-tax saint@htk.com. His Hiswebsite websiteis:is: www.toussaintfinancial.com. www.toussaintfinancial.com. developments. Additional risks regaining control over your advice. Investment Always consult with a ee professional before you begin tions becoming more state, and there is only one vestors can customize their focus on “yesterday’s winners?” Registered Advisor. Member saint@htk.com. developments. Additional risks or types of securities (such and guidance in return. returns with an unprecedented allocation policy. (732)-225-0777. Toussaint Financial Associates is Independent advice. Always consult with a of Most people have heard tions becoming more state, and there is only one vestors can customize their investing. or with your current strategy. that your investment strategy returns with an unprecedented allocation policy. qualified advisor regarding Registered Representative of and Securities and Investment Advisory may be associated with Emerging Get Started Now Sources: Most people have heard FINRA/SIPC (732)-225-0777. Toussaint investing futureaslies intime asking r investing. conservative the for of figure to enter enter on it: the Sources: asset allocations. Some qualified advisor regarding Registered Representative of and Securities Investment Advisory may beResearch associated Emerging haswith shown that the as financial stocks andthe level of personalized service and ● and Investment Management** HTK. about theyou original form your individual circumstances. conservative as the time for figure to on it: the asset allocations. Some We will help determine r• Has it been a while since you Simply gather your: Financial Associates is Independent of Research has shown that doesn’t accurately reflect your However, it may help idenlevel of personalized service and The best way to correct this Services Offered Through Hornor, Townsend & Kent, Inc. (HTK). Markets securities, including ● Investment Management** about the original form of your individual circumstances. •Investment Investment Management** We will draws help you determine some basic questions: - yourself college closer. But reamount of income to report states enable account ownServices Offered Through Hornor, Townsend & Kent, Inc. (HTK). Markets securities, including asset allocation decision – how expertise. This program is offered Toussaint Financial Associates REITs) in an attempt to • Management** • ● Financial Planning** HTK. A8CD-0908-12 529, the state-operated pre1. The College Board, 2006 whether you need investments reviewed your strategy? college draws closer. But reamount of income to states enable account ownsituation and take back control of er asset allocation decision –report how Registered Investment Advisor. Member Member (732)-225-0777. illiquidity and volatility. expertise. This program is offered Toussaint Financial Associates current personal situation. tify ifthe changes are necessary ●FINRA/SIPC Financial Planning** 529, the state-operated pre-illiquidity 1. The College Board, 2006 you need investments r whether Registered Investment Advisor. FINRA/SIPC (732)-225-0777. and volatility. cently, more states have on student’s tax return. ers to qualify for a deducis Independent of HTK. • Last twelve months’ of your investments are diversified • Financial Planning** 2. As with other investments, exclusively through a select group ● Retirement Planning capitalize on short-term Glenn Toussaint is located Toussaint paid tuition plan, which al-to your future is through an objective that produce income, growth A8CD-0908-12 cently, more states have on the student’s tax return. ers to qualify for a deduc- 2. is of HTK. your investments are diversified HTK does notstatements offer tax orand legal advice. Always consult with aatqualified qualified • Financial Planning** • As with other investments, exclusively through agrowth select group ●Independent Retirement Planning better reflect your current paid tuition plan, which alproduce income, • Are you paying large tax bills, financial ee that there are not generally fees exHTK does offer tax or legal advice. Always consult with a contracted professional tion on their state tax among stocks, bonds, and cash Financial Associates, 105 Fieldcrest Ave., ● Estate Planning of investment professionals who analysis of your portfolio and Investor “Red Flags” lows you to purchase units or a combination of both. there are generally fees and exmarket trends; contracted professional tion on their state tax Brinson, Hood and Beebower Research among stocks, bonds, and cash ● Estate Planning 9 advisor regarding your individual circumstances. Toussaint Financial of investment professionals who pensesregarding associated with participa-circumstances. lows you to purchase units concerns aare combination of both. For example, your portfolio and needs. even though your investment Benefits for Grandparents Brinson, Hood and Beebower Research 9 or your individual Toussaint Financial 5th Flr., Edison, NJ money managers —at many returns or receive a small smalladvisor –returns accounts for over 90% of the strategy. This financial checkup experienced in understandpenses associated with participaReport inContain 986 Benefits for Grandparents Furthermore, we will help you of future tuition today’s • Last two years of tax returns money managers — many or receive a • more risk than – accounts for over 90% of the Associates is Independent of HTK. ition in a Section 529 savings are experienced in understandReport in 986 portfolio has dropped in value? Voted One of “America’s Bes Furthermore, we will help you of future tuition at today’s GlennR. Toussaint now could: Voted One of “America’s Best Financial Plann Associates isGlennR. Independent of HTK.Voted One - define tion in a Section 529 savings variation aportfolio’s portfolio’s returns.inwell-known investment matchininon on the money money Voted One of Best “America’s Bes iningrates, the unique needs ofaffluent affluent A8CD-0118-14 Toussaint your investment time horiof “America’s Financial Planne with the plan assumvariation a returns. • Are you concerned about well-known investment match the you may find comfortable s) ing the unique needs of A8CD-0118-14 Glenn R. Toussaint define your investment time horirates, with the plan assum- This Consumersby Research Council of America, 2004 CFP®Toussaint CLU, ) zon iswhy whydetermining determining themost most Consumers Research Counci firms — to actively manage vested. In 48 states, states, earnGlenn investors, and in helping them Most importantly, are you not Consumersby Research Council of America, 2004CFPR. ®, ,CLU, and risk profile. ing the responsibility of inin- This is the Consumers Research Council firms — to actively manage vested. In 48 earnyour retirement savings st investors, and in helping them in today’s environment; zon and risk profile. 3 ing the responsibility of t • getting appropriate assetallocation allocation policy3 Have become too concenCFP®, CLU, ®,, ,AAMS AAMS ChFC and market their plans, so appropriate ingsare areexempt exempt fromtaxes. taxes. sufficient advice andto keep achieve financial success. vesting the funds asset policy CFP®, CLU, ®, ChFC and market their plans, so ings from achieve financial success. and whether or not you Contact me for a free consult • Be poorly designed – or vesting the funds to keep forAnd youis isparamount paramount toyour your conguidance reducing losses Set your asset number ofproin-It’s for a growing growing there areeven even new me for a free consulta trated in certain industries Whaton distinguishes our Contactme mefor foraaContact freeconsultation: consultation: 732 ChFC®, AAMS you to pace with inflation. Set your asset number of inaand And there are new conWhat distinguishes our proContact free 732 will be able to retire when ChFC®, AAMS not at all designed – to pace with inflation. It’s enhancing your chances of investment success. Email: gtoussaint@ vestors can customize their sumer-friendly reward proor types of securities (such gram is its personal emphasis. It allocation policy. success. reward proEmail: gtoussaint@ E-Mail: gtoussaint@htk.com gtoussaint@htk.com practically guaranteed vestors customize their sumer-friendly gram is itscan personal emphasis. Itthat investment policy. you had planned? regaining lost ground? E-Mail: dd allocation consider after-tax returns; practically guaranteed that asset allocations. Some grams popping up that is built around you – your goals, Research has shown that the as financial stocks and Website: www.toussain ● Investment Management** Website: www.toussaintfinancial.com www.toussaintfinancial.com of the cost anequal number asset allocations. Some grams popping up that● Investment Management** is• Research built around you –equal yourthe goals, Diversify acrosssignificant asset hasofofshown that Website: www.toussain Has your long-term inWebsite: f asset the cost an number • Be generating • Investment Management** • Retirement Planning Diversify across asset states enable account ownallow people who purchase your time frame, and your tolallocation decision – how Recent market volatility thisthe allow people who purchase REITs) inof anaccount attempt toin • Investment Management** • Retirement Planning ● Financial Planning** eoftime units education states enable ownyour frame, and your tolallocation decision –makes how classes and withinand styles. ● Financial Planning** - asset of units of education in the vestment strategy become costs and expenses without ers to qualify for a deduccertain products servclasses and within styles. a challenging time for investors. erance for risk. As your needs your investments are diversified • Financial Planning** •the Estate Planning ● Retirement Planning *Top Financial Planners are selected through application of a point system. *Top Financial Planners are selected through the application of avalue point value Criteria system.assess Cri capitalize onare short-term sponsoring state will becovcov- certain products and servers to for qualify for awill deducerance risk. As your needs investments diversified • Financial Planning** •training, Estate Planning ● *Top Retirement Planning Financial Planners are selected through the application of a pointand value system. Critc -l- your sponsoring state be Once your asset allocation professional’s experience, training, membership in professional associations, attained financial a short term focus on The ongoing credit crunch, providing personalized tion on their state tax ices to receive rebate dollars cial planning professional’s experience, membership in professional associations among stocks, bonds, and cash ● Estate Planning change, our ongoing manageOnce your asset allocation ered, regardless of investinvestmarket trends; tion on their state tax ices to receive rebate dollars planning professional’s experience, training, membership in professional associations, stocks, bonds, and cash ● cial Estate Planning change, our ongoing manageobtained at www.consumersearchncl.org. ss among ered, regardless of ther information can be obtained at www.consumersresearchcncl.org. policy has been developed, we fears over afor recession, and weak “yesterday’s winners?” returns or receive a small that go into state-sponsored service and guidance in – accounts over 90% of the ment process ensures that your ther information can be obtained at www.consumersresearchcncl.org. policy has been developed, we s ment performance or the returns or receive a small • Contain more risk than that go into state-sponsored – accounts for over 90% of the ment process ensures that your Voted OneofofRepresentative “America’s BestFinancial Financial Planners” the diversify economic data may left you s variation ment performance or inGlennR. Toussaint your investment portVoted One of **Registered “America’s Best Financial Planners” by of and Securities and Investment Advisory Services Offered Through Ho inof aportfolio’s portfolio’s returns. • Has it been while since match on theahave money college savings accounts. personal portfolio will evolve return. Voted One “America’s Best Planners” GlennR. Toussaint diversify your investment portVoted One of**Registered “America’s Best Financial Planners” by mrate tuition increase. Of Representative of and Securities and Investment Advisory ServicesEdison, OfferedNJThrough Hor variation in a returns. match on the money incollege savings accounts. personal portfolio will evolve you may find comfortable Registered Investment Advisor, Member FINRA/SIPC,105 Fieldcrest Avenue, 08837,Horn (732 uneasy about your goals and Glenn R. Toussaint - This rate ofreviewed tuition increase. Of folioGlenn Consumers**Registered Research Council of America, 2004-2007* Representative of and Securities and Investment Advisory Services Offered Through CFP ®,Toussaint , CLU, asset classes, across multiple is why determining the most by Consumers Research Council of America, 2004-2007* vested. In 48 states, earnwith you. It is not a get-richyou your stratvestment Advisor, Member FINRA/SIPC,105 Fieldcrest Avenue, Edison, NJ 08837, (732-225-0777). T R. Consumers Research Council of America, 2004-2007* CFP ® CLU, Independent of Hornor, Townsend & Kent, Inc. folio across multiple asset classes, ncourse, each state plan has This is why determining the most by Consumers Research Council of America, 2004-2007* vested. In 48 states, earnwith you. It is not a get-richinvestments. vestment Advisor, Member FINRA/SIPC,105 Fieldcrest Avenue, Edison, NJ 08837, (732-225-0777). To in today’s environment; 3 - appropriate course, each state plan has Hornor, Townsend & Kent, Inc. Funds contributed to a 529 within multiple investment styles asset allocation policy CFP®, CLU, ®, , AAMS ChFC ings are exempt from taxes. quick strategy or a “hot-tip” egy? 3 Townsend & Kent, Inc. The best way correcttothis sit- Hornor, Funds contributed a 529 within multiple investment styles assetdesigned allocation policy adifferent different mix ofrules and CFP®, CLU, ®,multiple , to AAMS ChFC ings are exempt taxes. A7CD-1217-09 quick strategy or a from “hot-tip” Contact me for a free consultation: 732-417-2419 • for poorly –rules orconpp appropriate aBe mix of and plan are considered to be and by using money you is paramount to your What should you do now? Please And there are even new Contact me for a free consultation: 732-417-2419 investment product. Instead, it Contact me for a free consultation: 732-417-241 9 • you Are you paying large tax plan are take considered to me be ChFC®, AAMS and byChFC®, using multiple money uation and back control of for A7CD-1217-09 forAnd isat paramount toInstead, your restrictions. Prepaid tuition there are even new coninvestment product. it Contact a free consultation: 732-417-241 9 AAMS not all designed – to A7CD-1217-09 ss investment restrictions. Prepaid tuition take the time to contact us for a managers. success. Email: gtoussaint@htk.com sumer-friendly reward propro- managers. investment success. Email: gtoussaint@htk.com E-Mail: gtoussaint@htk.com gtoussaint@htk.com at reward complimentary consultation tothat 19 E-Mail: consider after-tax returns; t sumer-friendly grams popping up 19 Website: www.toussaintfinancial.com Website: www.toussaintfinancial.com er grams popping up that Diversify across asset ensure a lifetime of benefits for Website: The County Woman Magazine 00www.toussaintfinancial.com Website: www.toussaintfinancial.com r Diversify • allow Be County generating significant across asset people who purchase The Woman Magazine 00 allow people who purchase classes and within styles. ee classes costs and and expenses without certain products and serv- *Top within styles. *TopFinancial Financial Planners selected through the application of a point system. include a review of a financial Plannersareare selected through the application of avalue point value Criteria system.assessed Criteria assessed include a reviewplanning of a finan23 vcertain products and serv*Top Financial experience, Planners are selected throughinthe application of a point value system. Criteria assessedFurther include a review can of abefinan- ices Once your asset allocation professional’s training, membership professional associations, and attained financial certifications. information providing personalized to receive rebate dollars cial planning professional’s experience, training, membership in professional associations, and attained financial certifications. FurOnce assetrebate allocation t- ices toyour receive dollars cialobtained planning professional’s experience, training, membership in professional associations, and attained financial certifications. Furat www.consumersearchncl.org. out-of-stateinstitutions). institutions). out-of-state

Business usiness & &F Finance inance B

Business & Finance

Business

Financial

nagement Strategies

ontrol Of Your Investments In Turbulent Times

Investments In Turbulent Times

W A A

TOUSSAINT TOUSSA TOUSSAINT TOUSSA FINANCIAL ASSOC FINANCIAL AS FINANCIAL ASSOC FINANCIAL AS

TOUSSAINT TOUSSAINT TOUSSAINT TOUSSAINT FINANCIAL ASSOCIATES FINANCIAL ASSOCIATES FINANCIAL ASSOCIATES FINANCIAL ASSOCIATES

County Woman

Business andFinancial By Diana Sieberg Diana Sieberg, IOM, Vice-President, Member Services for the Somerset County Business Partnership. Beginning my not-for- profit career with the Somerset County Chamber of Commerce in 1996, I have maintained my position handling Member Services through the 2001 merger that resulted in the formation of the Business Partnership. Continuing my education, I have since graduated from the United States Chamber of Commerce “Institution for Organizational Management with a Certificate in Nonprofit Organization Management.” Owning an appliance business with my husband offers me a unique perspective into the needs of small business owners and the ability to customize Partnership benefits to enhance prosperity. My first-hand understanding of members and potential members’ challenges helps me to provide the necessary services for our members to succeed.

Your Chamber... Your Community!

The Somerset County Business Partnership serves as central New Jersey’s regional Chamber of Commerce. The organization boasts a 90+ year history as a Chamber of Commerce servicing Somerset County and serves as the only accredited Chamber in New Jersey. Members and investors represent public, private and community organizations. They work in partnership and are dedicated to maintaining and promoting economic prosperity and quality of life in the County. The Business Partnership provides an essential means for doing business, and as such, is the premier regional business organization in New Jersey. The Partnership is positioned to lead the business community to a future that is prosperous and sustainable. The Partnership seeks to achieve key outcomes, which are public leadership, advocacy, economic and community development, and value/engagement, providing leadership, opportunity, and results for the Somerset County business community. The Partnership includes Committees, Task Forces, and Special Interest Groups designed to provide opportunities to network, exchange ideas, gain new business strategies, and to influence the Partnership agenda. As such, a wide range of membership needs are met. Special Interest Groups include: CEO Roundtable for owners and managing partners to learn from and advise each other through the sharing of experiences and best practices; Emerging Leaders for business people who are rising within their professions or community organizations; Financial Services Special Interest Group of member

financial professionals who provide educational opportunities for members on issues affecting personal and professional financial lives; Human Resources Special Interest Group providing members a resource to obtain information from people who specialize in the Human Resource arena; Leads Groups offer the opportunity to share leads and referrals with other members; SOHO (Small Office/Home Office) provides support and information exchange to foster company growth and strategic alliances among small businesses; Technology Special Interest Group educates members on technological advancements and how they may impact profitability; Women in Business is directed at the specific needs of women and their businesses. Members benefit through a tradition of recognizing and nurturing growing businesses at annual events and programs. The Partnership committee structure includes Awards, Communications, Events, Golf Outing, Legislative Affairs, Networking, Sustainable Somerset, and Tourism.

Donna LoStocco Affinity Federal Credit Union

The Partnership is Somerset County’s voice of business to drive legislative agenda. Members can be assured of a successful track record advocating and obtaining infrastructure investments in the County; effective economic development services; and a “smart growth” agenda to guide community development and promote environmental sustainability. In addition, the Partnership also represents the official tourism Destination Marketing Organization for Somerset County, and has proven leadership in bringing communities together to share services.

Theresa Richardson WithumSmith+Brown

Shirley Perlinsky S&G Cleaning Services

See what these women have to say about their Somerset County Business Partnership membership http://www.scbp.org/member-benefits/testimonials/ The Somerset County Business Partnership is your chamber of commerce and much more. Contact us today to learn how a Somerset County Business Partnership membership can benefit your business at www.scbp.org.

908-218-4300 www.scbp.org

Business andFinancial

s By R. Caren Bitar R. Caren Bitar earned B.A. and M.A. degrees in English before going on to teach undergraduate creative writing. She then worked in offices for years as a writer and editor. Ms. Bitar decided to take her talents to the Web. WhizMarks.com was founded in the Summer of 2010. Numerous individuals and businesses around the world now benefit from her expertise. She currently serves as Copy Editor for Fairfax Woman Magazine and its sister publications in Northern Virginia and Southern Maryland.

our Resume Holding You Back?

N BiTaR

Is Your Resume Holding you Back?

rtant reflect to reflect a positive letter or problematic proposal. issues An editor It’sto important so thatcan readers attitude atat work. Your actions can upwill berough impressed aftertothe first ve attitude work. polish the spots help express how well people respond review. tions can express reflect your ideas. The many to you, respond and your words leave a ll people to can different messages in tough a document Resumes can be to read lasting impression. Anything you r words can leave a should come across clearly. For if too many words are used put in writing that is transmitted ssion. you example,tohave you ever written express a simple statement.a intoAnything the public eye may be viewed Oftentimes, writers overuse g that is transmitted run-on sentence that seems like by discerning eyes. A poor mistake clusters of words. Take the ic eye viewedand could it could go on forever? Simply willmay not gobeunnoticed

following sentence from a resume: Researched issues and idiosyncrasies by analyzing data and technical information derived from computational Most job advertisements require logs and recreating these issues that a prospective hire know how to determine resolution. The to communicate well, but not would be obvious in g eyes. A poor insertingproblem a period somewhere can pull off an excellent to an while the writer not everyone go unnoticed the middle ofeditor, an unnecessarily letter or proposal. An editor can may overlook using the word use embarrassment. long sentence may make all the polish up the rough spots to help ‘issues’ twice; ‘data’ coupled with allenging job market, difference in the world when reflect your ideas. The many ‘information derived from it logs’; ng noticed for the comes to clarity. different messages in a document and ‘idiosyncrasies’ coupled with e errors? should come across clearly. For ‘issues.’ The best way to treat any example, have you ever written doubts you may have about writing Job aapplication cover letters run-on sentence that seems like is to obtain a second opinion. ertisements require and resumes are also in great it could go on forever? Simply ctive hire know how demand,It’s with okaycompetition to write badly, for but seek inserting a period somewhere in ate well, but not jobs being so high.assistance Humanto edit your professional the middle of an unnecessarily pull offsentence an excellent officers are coming words brilliantly. It can’t hurt to long may make all Resource the obtain a good revision. Effective, difference in the world when it well-written communication can comes to clarity. instill confidence in others for Job application cover letters and the services you provide. Relay resumes are also in great demand, your message with style, and the with competition for jobs being so rewards will follow. high. Human Resource officers are To improve your business or coming across a slew of emails, academic communications, please letters and the like. Reviewers consider using WhizMarks.com. of such materials often skim Contact R. Caren Bitar at editor@ them. Believe it or not, the eyes whizmarks.com or call (917) 740of an employer move fast over 0577. It’s easy to upload your your credentials on paper. A documents at www.whizmarks.com. professional editor can correct cause embarrassment. In today’s challenging job market, why risk being noticed for the unacceptable errors?

ons can express how well people respond to your words can leave a lasting impression.

“Your actions can express how well people respond to you, and your words can leave a lasting impression.”

your message with style across a slew of emails, letters the rewards will follow. and the like. Reviewers of such materials often skim them. To improve your busines Believe it or not, the eyes of academic communicati an employer move fast over Turn your document into a well-written contact WhizMarks. your credentials on paper. A product that will instill confidence yourBitar at: Email R.inCaren professional editor can correct clients,issues professors employers. problematic so that and futureeditor@whizmarks.com call (917) 740-0577. It’s readers will be impressed after to upload your documen the first review. • Our team consists of native English language ‘Whizzes’ from at www.whizmarks.com California to Washington D.C. Resumes can be tough to read • Our editors hold bachelor’s and master’s degrees from top if too many words are used to rated universities. • All have published works of their own or taught English express a simple statement. R. CaR composition at universities. Oftentimes, writers overuse BiTaR • Our team has experience editing documents of all kinds clusters of words. Take the WhizM for business executives, government officials, and students. following sentence from a Summ resume: Researched issues She ea Editors on our staff can make a real difference, which and idiosyncrasies by analyzing and M is important in today’s world. Whether it is a thank you data and technical information in Eng note, a research paper, or article, we are the professional derived from computational went o editors to fit your needsissues in 48 hours or less guaranteed! logs and recreating these underg to determine resolution. The creative writing. After wo Visitwould Whizmarks.com document today! problem be obvioustotoupload your offices for years as a write an editor, while the writer may editor, primarily for gover overlook the word ‘issues’ Fast,using Affordable, officials in the state of Flo Editing with twice;Document ‘data’ coupled decided to take her talents ‘information derived from logs’; Web. Numerous individua and ‘idiosyncrasies’ coupled the world now benefit from with ‘issues.’ The best way to expertise. She currently se

WhizMarks.com

Business

Financial

Alicia Shope is an owner, member of the Board of Directors, Senior Vice President and Compliance Officer for the company. Ms. Shope graduated in 2006 from Towson University nd a with a Bachelor of Science in English for Creative Writing and joined the CGMA team in early 2007. She is licensed as a Series 26 Investments Company Products / Variable Contracts By Alicia Principal, Series 6Shope and 63 Investment Company/ Variable Contracts Representative and a Series 99 Operations Ms. Shope responsible for the daySenior to day oversight of Alicia Shope is an Professional. owner, member of theisBoard of Directors, Vice President and Compliance Officer all broker-related activities. In addition, she provides operations support, technical editing, for C.G. Menk & Associates. Ms. Shope graduated in 2006 from Towson University with a Bachelor of Science human resources, and marketing across business of the company. With2007. over 15 in English for Creative Writing andalljoined theareas CGMA team in early She is licensed as a Series 26 years working experience in various service-related industries, Ms. Shope stands prepared Investments Company Products / Variable Contracts Principal, Series 6 and 63 Investment Company/ Variable to assist CGMA and its clients to ensure a timely and professional resolution all actions.

Contracts Representative and a Series 99 Operations Professional. Ms. Shope is responsible for the day to day oversight of all broker-related activities. In addition, she provides operations support, technical editing, human resources, and marketing across all business areas of the company. With over 15 years working experience in various service-related industries, Ms. Shope stands prepared to assist CGMA and its clients to ensure a timely and professional resolution to all actions.

Incentivizing Savings

Testimonial

We chose CGMA as our financial advisor back in 1996 and since that time, Chuck has helped us How many times have you stepped they know what the reward will be. decisions and realize several of our biggest dreams…giving us If they are saving for a truck – they our convictions on a scale and said to yourself, “I guidance on the right investments and the right on meeting that can visualize 4 wheels, an 8 foot really need to lose 5 pounds before way to invest our money to afford our dream goal. And that bed, and a built in GPS system. If I dare to put on a bathing suit?” I home and years later, a vacation condo in Ocean know I can’t even begin to calculate they are saving for a vacation – they is where a good Testimonial: financial advisor City. can visualize a hotel room, a sandy that number, but I will guarantee Overdreams…giving the years, us we have referred family, friends, We chose CGMA as our financial advisor back in 1996 and since that time, Chuck has helped us realize several of our biggest comes in. Once that I have said it at least once each beach and shopping. What do you guidance on the right investments and the rightthink way toofinvest our money to afford our dream home and years later, a vacation condo in Ocean and coworkers and all have been so very grateful you have an when you visualize your year, which is the week before our City. for the referral. retirement? Most probably think of idea of what family trip to the beach. There is CGMA is an honest company, one who truly looks youfor want, why not working, staying Over the years, we have referred family, friends, and coworkers and all have been home, so very grateful the referral. nothing like the threat of having to simply out for their clients’ best interests and a company not sit down visiting family or doing nothing. wear a bathing suit in public to get CGMA is an honest company, one who truly looks out for their clients’ best interests and a company you can trust. you can trust. - Bryan and Lisa Dougherty with someone Let’s face it, it’s hard to think of me to eat right for a few days. who can help saving for something that requires -Bryan and Lisa Dougherty to seek multiple opinions on your in meeting Now, how many times have you you to do “nothing.” The key is to investments before dedicating those goals financially? A good looked at your retirement account attach, or incentivize “something” yourself to an investment advisor financial advisor will help you and said to yourself, “I really need with that “nothing” – think electric and plan. Also, just because you arrange your investments in such to put $5 away every month for bill. must pay a fee to meet with a a way that they work with your the next 30 years so I can pay my financial advisor does not mean It’s a difficult process to begin, but current financial abilities in order electric bill when I retire?” I am his/her advice surpasses that of an as I have witnessed in my career to meet your future wants, while going to go out on a limb here advisor offering free consultations. as an Investment Advisor, once also addressing your future needs, and make an assumption that that someone starts saving, whether i.e. bills and expenses you may not number is much, much less. The next time you catch yourself for retirement, their child’s college have considered. All of your needs day-dreaming about your perfect savings, or an emergency fund, they will be met while ensuring your When we think about retirement, retirement, try to remember to investments are the most suitable usually don’t stop saving until they it is very easy to see ourselves on are ready to access the funds. Once for you, not the kind of investments ask yourself what your plans are a beach somewhere warm, sipping in making that dream a reality. that will offer a higher commission we buckle down and fully visualize a cold drink and wiggling our for the advisor. Unfortunately, there Work with a reputable investment that goal we are working towards, toes into the sand. Perhaps our advisor and allow him or her to are many Investment Advisors in we work much harder to achieve vision is enjoying a nice view of help you start your journey as soon the industry out to make a dollar it. Once we have all the facts and the mountains. Whatever you as possible. off of your investments. It is wise figures, we feel more secure in our see yourself doing in retirement, it probably did not include a single thought about electric bills. Unfortunately, that bill will be as real in retirement as it is today. The problem is that most of us have a hard time incentivizing something CGMA is a broker/dealer firm committed to helping you meet your investment that is so far away into the future. CGMA is a broker/dealer firm committed to helping you meet your investment Take my bathing suit dilemma, goals through dedicated service and education. With our strict ethics policy and goals through dedicated service and education. With our strict ethics policy and for example. I could have easily focused one-on-one interaction with clients, CGMA stands apart from most avoided fast foods beginning in focused one-on-one interaction with clients, CGMA stands apart from most December. Losing half a pound a Broker-Dealers in the industry. We look forward to working with youinvestment and your CGMA is a broker/dealer firm committed to helping you meet your week for a few weeks would have Broker-Dealers in the industry. We look forward to working with you and your been much easier than trying to family to build dedicated a wealth management plan; including college savings, goals service and education. Withretirement, our strict ethics policy and familythrough to build a wealth management plan; including retirement, college savings, lose all 5 pounds the week before and emergency fundsinteraction which meetwith your specific needs. focused one-on-one clients, CGMA stands apart from most a vacation. It may be impossible to and emergency funds which meet your specific needs. make such a goal because I waited Broker-Dealers in the industry. We look to working with you and your Aside fromforward your time, so long. Saving for retirement, and Aside from your time, family to build a wealth management plan; including retirement, college savings, everything else for that matter, falls a consultation is FREE! along those same boundaries. So a consultation is FREE! and emergency funds which meet your specific needs. why do we still put it off ? So contact a representative at CGMA today.

When When isis the the last last time time you you had had aa free free review review of of your your retirement retirement account? account? When is the last time you had a free review of your retirement account?

For most people, the benefits of saving for retirement are so intangible that they become irrelevant. Most people can buckle down and save for something if

So contact a representative at CGMA today Phone: 410.761.2462 Aside from your time, Phone: 410.761.2462 Toll-Free: 888.923.5660 Toll-Free: 888.923.5660 a consultation is FREE! www.cgma.us www.cgma.us So contact a representative at CGMA today Phone: 410.761.2462 Toll-Free: 888.923.5660 www.cgma.us

C.G.Menk & C.G.Menk & Associates, Inc. Associates, Inc. C.G.Menk &

Business andFinancial By Laura M. D’Orsi Laura D’Orsi was raised in New Jersey. She is certified by the Supreme Court of New Jersey as a Matrimonial Law Attorney and practices matrimonial law in Red Bank, at the Law Offices of Laura M. D’Orsi, LLC. She has been a licensed attorney since 1990 and has practiced matrimonial law exclusively for 11 years. Laura is a member of the Jersey Shore Collaborative Law Group and is a Certified Mediator. She regularly assists the Court with Court ordered mediations. In addition to practicing law, Laura has also helped run a battered women’s shelter in Essex County, which was a project very gratifying to her.

What Is Collaborative Divorce?

Collaborative divorce is the newest method of resolving divorce related issues where the attorneys for both sides agree to assist the clients to resolve conflicts by employing cooperative techniques rather than adversarial strategies and litigation. All of the people involved commit themselves to achieving a negotiated outcome. It is agreed that no litigation will be commenced during the negotiations. The most important element of collaborative divorce is that the lawyers commit to manage the conflict, emotional issues and relationship issues creatively. The parties and their lawyers engage in four-way meetings. These meetings allow the parties to explore their issues on their own timeline. The goal is to reach an agreement and then proceed with the divorce through the courts. Additionally, experts such as coaches and financial professionals are utilized to assist in resolving issues. Why Collaborative Divorce? Why would you pursue collaborative divorce? Collaborative divorce is effective where each side in the divorce is able to reach a fair solution and resolve differences. Collaborative divorce addresses more than just the legal issues. It looks at the impact of divorce on the parties and the children. When a case is litigated in court, the parties make allegations about each other and are hostile. This inadvertently impacts the children, who see their parents displaying hostility and hatred toward each other. Even though your marriage is ending, in a collaborative divorce, you are working together to achieve a resolution that works best for you both. You and your spouse control the process, rather than reacting to deadlines set by a court. The process is the route to take if you want to maintain a good relationship with your ex-spouse and lessen the impact of the transition on your children. However, collaborative divorce is not for everyone or every situation. It requires that those involved be committed to working

with and not against the other party in order to achieve results. You will not get your “pound of flesh” but you might reach an agreement that will keep you and your spouse involved in your children’s lives and maintain an amicable relationship with one another. Collaborative divorce and its participants are committed to creating a process that is safe and that does not cause further harm to the participants and the families involved. The atmosphere is respectful and much less stressful

than traditional litigation, providing both parties with an agreement that is designed by them with the assistance of their lawyers. Who is a good candidate for collaborative divorce? Do you still care enough about your spouse and children to want to reach an amicable agreement rather than have your dirty laundry aired in court? Do you want confidentiality with your divorce or do you want court papers filed as public documents, which slander you and your spouse?

Individuals who are able to accept the separation, willing to learn or manage their emotions, interested in the well-being of the other side and committed to the process are good candidates for collaborative divorce and should be able to take the long-term view and think of the future and the maintenance of a relationship with the other party. If you are interested in pursuing a Collaborative Divorce, Laura D’Orsi, Esq., can assist you. Please view the website for the Jersey Shore Collaborative Law Group located at www.jsclg.com.

Law Offices of Laura M. D’Orsi, LLC A law firm dedicated to the practice of divorce, mediation and collaborative divorce.

Divorce Mediation, Litigation, Collaborative Divorce

Post-Judgment Divorce Enforcement of Divorce Judgments, Child Support and Alimony Modifications, Out of State Relocations with Children Post-Judgment Division of Retirement Assets General Family Law Child Custody/Parenting Time Issues, DYFS Matters Certified by the Supreme Court of New Jersey as a Matrimonial Law Attorney

Free Telephone Consultation www.lauradorsilaw.com 732.741.3121

52 Reckless Place Red Bank, NJ 07701

ldorsi@lauradorsilaw.com Fax: 732.791.1439

Community andEducation By Sean Walker Sean Walker is the president and founder of Incpics Studios, is a native of Newark, New Jersey. He remembers receiving his first point and shoot camera from his mom at the early age of 10. It was a passion he immensely enjoyed and he has now made that passion a reality. Sean has furthered his journey by joining the Professional Photography Association. He has gained a wealth of knowledge and insight into the craft of photography from amazing master photographers that have shared their knowledge and experience from within the association. His dedication and passion to his craft and to the people he surrounds himself with continue to inspire him. Sean is building a world-class organization of professionals to serve the public, providing them with all their photographic and video graphic needs. Sean Walker, a professional photographer.

Using A Professional Photographer

Almost everyone has a personal camera on hand. Cell phones now have a 4-8 megapixel camera built in. So my question is this: are the cameras we carry able to capture those moments that we are not willing to leave to chance? You know, those images we will treasure the rest of our lives, which will be passed down to our children and then their children? The digital revolution has brought us amazing options. The hobbyist, professional and amateur all benefit from a sea of ever growing choices. However, these options do not always translate to images worthy of being printed and hung for many years to come. It takes a tremendous amount of skill, talent and effort to create a truly unique portrait worthy of displaying in your home or office. Custom photography is all about choice and experience, and finding someone who will photograph those special moments while devoting the personalized attention necessary and without the feeling of a crowded, “take a number” portrait studio. There are just a few complex components that go into capturing that special moment in time. Foremost, a properly trained professional photographer with a passion for his trade will have access to proper lighting equipment, a planned out composition and feel for the image, many backdrop options, hi-tech computers and programs with professional editing features to ensure you always look your best. In order to provide a high level of service, a photographer must be able to spend an appropriate amount of time and skill making a portrait session amazing. Some requirements are the right mix of camera, lens, lights, and an understanding of what the final product will be. The product might

be a metal print, canvas, mural or other medium of your choosing. A good starting point when choosing a photographer is whether or not they belong to a reputable professional organization that promotes continuing education, training, and up to date certifications. Although this is no guarantee of a great experience, it is a good starting point to find out how serious someone is about their passion and profession. Ask as many questions as possible, as this will reassure you of your concerns and provide the photographer with an understanding of the goals you envision for your project.

with smiles on their faces. We ensure a relaxed and comfortable studio atmosphere for our clients. Our standards are set very high, so that each individual session is truly an exceptional experience. Our vision is to provide breathtaking images and

videography. We offer a complete, up-to-date, creative studio that can take any project to fruition. You will find all graphic design needs, art direction, framing, printing, presentation, promotional and so much more, all under one roof and one name, INCPICS.

Lastly, as there are many freelancers out there, I believe there is added value and security with choosing a photographer that works either for a studio or has their own. This not only brings the added reassurance that you have a safe public environment to meet with your photographer, but it also means that they are growing their business and clientele. The ultimate goal of this article is to better explain the professional services that our business provides, which is to offer the best product we can. Your overall experience is the most important outcome to us as professionals. We want clients to enjoy the entire process from start to finish so that they can be a testimony to the reasons for using a professional photographer. We are constantly learning new wave techniques, improving on our equipment, and coming up with innovative ideas to better serve you. We aim to form long-term relationships with each client and family. We invite you to visit our spacious facility at 1677 Springfield Avenue, Maplewood, New Jersey, and see why people leave feeling good and

Meet The Rest Of The INCPICS Team:

JIM RODRIGUEZ, vice president of Incpics, brings many years of professional work and industry knowledge to Incpics. A native New Yorker, residing now in New Jersey, Jim is a passionate professional photographer with over 24 years of experience in the industry. Jim’s interest and passion first sparked early on while working along side well known photographers. He then decided to pursue his own career goals in photography by way of education at the Germaine School of Photography in New York. Jim’s career spans all aspects of photography including, corporate, weddings, publicity, advertising, and modeling. Other events to name a few include the Newark New Jersey Hispanic and American Chamber of Commerce, the office of Congressman Bill Pascrell Jr., Paterson, New Jersey, and other charitable events such as the American Cancer Society. Jim is a highly dedicated professional who enjoys working with clients one-on-one, getting to know them, their visions and wishes, resulting in the most impactful end product. DANA FILIPONE is a seasoned professional Art Director and Graphic Designer with over 20 years of experience. She graduated from The Fashion Institute of Technology in New York City, where she studied Graphic Design and Illustration. Over the years, Dana has gathered a wealth of experience, having her hands in many aspects of the advertising business industry, from agency studio manager, to senior graphic director in the corporate world, just to name a few. Dana’s passion for her work and the people she works with makes each day a true pleasure. Clients and their specific vision and message are first collected, and are executed and fine tuned for an excellent end product.

Fitness andLifestyle By Joe Amoroso Joe Amoroso has been a trainer since the age of 17 and became a master trainer 5 years later. While working in Greenwich, CT, and NYC’s elite private clubs, he became well known as a celebrity favorite for his “Miracle Work” and touch up work for photo shoots. Joe is PRO-Athlete experienced and has the uncanny ability to do athletic performance rehabilitation in conjunction with high performance training. Because of his background and experience, he has the medical knowledge to help clientele with a wide variety of medical setbacks. During his career, Trainer Joe has never turned down a case because it was high risk, a badge he wears proudly. Trainer Joe has a wealth of knowledge comparable to none and holds free lectures weekly. He has abandoned his NYC roots and now is proud to be a part of the Warren, NJ, community.

Master Personal Training Is For Everyone

Most people are intimidated by the health and fitness industry. Unless you are someone who has dedicated an exorbitant amount of time to exercise, your local gym will look a lot like an archaic steel jungle. It is no wonder that personal trainers are in such high demand to help you navigate the health and fitness industry. Fitness has evolved past traditional gyms, health clubs, and circuit training machines. This is why you see many more specialty fitness studios and specific group class facilities as of late. Studios have a more fun, friendly and personal approach to fitness, and usually offer a really unique variety of services that can cater to any client.

You must keep in mind that the fitness industry is constantly improving with science and medical research. So, when hiring a personal trainer to help navigate the myriad of information and tools, not all trainers are created equal. Much like if you had a serious medical condition, you would go to an experienced physician who is on top of the latest research. You should expect no less from your personal trainer. This is why you should settle for no less than an independently qualified Master Personal Trainer. The Master Personal Training title insures you that you are

getting the best of the best. This is a trainer who has diligently and obsessively learned the art of the human body in order to take a series of intense tests. In order to get this title a MPT has to have an amazing track record and countless references. This trainer can bring you to your goal regardless of body type, age, injury, condition or disability. A master trainer can provide you with relief to any muscular discomfort and handle injury management with a method called functional training, which is a style that is designed to give the body comfort in motion and at rest. Results with a master trainer are typically 5 times faster than any other workout method as they use body specific formulas. They take into account everything from body type to blood type to ensure the most effective way to your goal. It would take you 25 hours of steel jungle exercise in what a master trainer can get you In 5 hours, which would be a more economical choice. So the next question you have to ask yourself is, ‘what’s more important, quality or quantity?’ You will not find a master trainer in a national chain, so look for these specialists at your local Master Personal Training studios. You will not find much equipment or fluff. A master trainer prides themselves on providing a full product filled with proven medical and exercise physiology based techniques. They will not just put you on the treadmill for a conversation or count your reps on a dummy proof circuit training

machine. They will be showing you exercises you have never seen before while educating you on nutrition and healthy living. All the while they are also putting together a very complicated series of exercises in a specific order that changes every time, in order to guarantee maximum results and constant muscle confusion, which is vital to avoid plateaus. You should not be able to memorize your personal training routine and with a master trainer, that is a non issue.

training with great results. Most Master Personal Training studios are membership free and have so many pricing options that it’s affordable for everyone. Now that all your excuses are gone and you know how and where to find a Master Personal Trainer, what are you waiting for?

All master trainers are experts in pre and post natal fitness. If someone is not educated and experienced in this topic, it could be very harmful to you and your child. Consequently, when done correctly, training can ease child birth and recovery in some drastic ways. Master trainers may be familiar with various medical issues, so don’t be shy about communicating anything, as you may be surprised to find out how much they can help. With this kind of service, many assume that master training is only for celebrities and pro athletes, but that is not the case. Everyday people from all walks of life use

TRAINER JOE’S 101 Mount Bethel Road Warren, NJ 07059

908 339 7466

trainatjoes.com

Fitness andLifestyle By Maria Williams Maria Williams, The Clean Water Mom, serves over 18,000 customers nationally with whole house water filtration systems from Kennett Square, PA. Visit online at www.cleanwatermom.com or www.puriteam.com. Picking The Right Filter For You Is Easy Because we’re an online business, we pride ourselves in cool tools used to educate you and help make your selection much easier. If you have city water, you can use our “water wizard” which helps you choose the right filter for your home. Use this shortened link to get there: http://bit.ly/ReCbQp

What’s In Your Water?

In the U.S. we enjoy some of the best tap water in the world. It’s not something we think much about unless we don’t like the taste or odor of our water. But there is so much more to the quality of our water than its taste and odor. Yes, it’s important to have great tasting water, but it’s also important to be sure it’s free of impurities that are probably affecting your family’s life more than you know. For example, water from a municipal source (about 85% of the country gets their water from the “water company”) contains either chlorine or chloramine, which is used to disinfect water. These disinfectants can be harmful in and of themselves. They create “disinfectant byproducts,” or DPBs, which are created when these gases are heated, such as in a bath or shower. Studies have shown as much as an 83% increase in getting a tumor and 35 percent increase in getting bladder cancer as a result of exposure to DBPs.

relatively low levels can diminish health. The Top 7 Reasons to Filter ALL Your Water in Your Home • Prevent Cancer According to Prevention Magazine, it’s the number one way to prevent cancer. “You’ll reduce your exposure to known or suspected carcinogens and hormone-disrupting chemicals. A new report from the President’s Cancer Panel on how to reduce exposure to carcinogens suggests that home-filtered tap water is a safer bet than bottled water, whose quality often is not higher — and in some cases is worse — than that of municipal sources, according to a study by the Environmental Working Group.”

Another example is lead. Both groundwater and surface water supplies are susceptible to heavy metal infiltration. Surface water is often contaminated with mercury (and other contaminants) from the rain as well as from run-off of metals, such as lead, arsenic and cesium, from industrial, commercial, agricultural and residential presence.

• It’s the Stuff You Can’t See Most contaminants in your water are not visible. This photo here was taken after about 6 months of use on city water. Perhaps you assume that only well water has significant dirt and debris in it, but judging by this image, that’s not the case. This is just one filter out of the many we receive from customers with very similar or worse condition. Many even catch large pieces of debris – such as insects, worms, paper, rocks, and more.

What’s the danger with heavy metals? Bio-accumulative, they build up in vital organs such as the liver, kidney, lungs, and colon. They also amass in the lymphatic and neurologic systems. Heavy metals cause a wide and varied host of neurological, immune, and gastrointestinal problems. These metals trapped in the body’s tissue are not easily removed and

• W e Do More With Water Than Drink It Why do we encourage whole house filtration? Because we do more than just drink our water. We shower, bathe, brush our teeth, launder our clothes and more. Filtering all this water is your best bet for healthy water in your home – for all purposes. Even at 3am in the bathroom.

• Maintain Only One System A whole house filtration system will eliminate the need for multiple filters such as shower filters or separate drinking water filters. However, some choose to opt for additional filtration of inorganic contaminants such as fluoride, which whole house water filters are not designed to remove. • B etter Tasting Water Encourages More Drinking Since most Americans are chronically dehydrated, it’s a good idea to drink enough water each and every day. Experts say we should drink half our body weight in ounces each day. So if you weigh 150 pounds, you should drink 75 ounces per day. Or at least strive to. • Well Water Carries Even More Risks Because well water is not regulated, you are responsible to ensure it is safe. Well water should be tested at least annually by a certified lab. This may cost several hundred dollars a year, but it’s worth knowing that there are no bacteria such as e-coli, coliform or other harmful bacteria in your water.

www.cleanwatermom.com • 888-491-4100

• L ast But Not Least, Peace of Mind If you don’t filter your water, then your body becomes the filter. Your liver, kidneys and colon will filter the water when it’s not filtered prior to consumption or being consumed. “You Have a Great Product and We’re So Glad We Purchased It.” “I wanted to let you know that we are loving our whole house water filter. Our water tastes wonderful! There’s no more running to the little filter at the kitchen sink, which always seemed to need replacing, and which worked poorly after a while anyway. Also, we can shower without the awful smell and skin-irritating problems of our heavily-chlorinated city water.” ~ Ann Low, Georgia

Fitness andLifestyle By Shavannia Williams, President and Editor, Heels & Helmets Shavannia Williams is the founding partner of SW Group, a marketing and communications firm in Washington, DC that specializes in using media, events, technology and sports. She is also the president and editor of Heels & Helmets, a company that levels the playing field in professional environments by educating and exposing women to different sports. Prior to starting her own businesses, she worked in marketing for sports teams including the Detroit Lions, Washington Capitals, Washington Mystics and Washington Wizards. Previous and current clients include DC Women’s Business Center, Microsoft, NFL PLAYERS, USA TODAY Charitable Foundation, United Way Worldwide NFL Partnership and YUM! Foundation.

Football For Business

What do these football analogies mean? Why should women care? Sports analogies are commonly used in business environments to build camaraderie among employees (the team), identify responsibilities (player positions) and communicate the strategy (game plan) to meet business objectives (Win!). They aim to connect everyone to the emotions generated in sporting competitions. They can be effective in engaging staff and creating the competitive spirit that we see on the football field. However, if the audience does not understand the sport, the message is not conveyed. This is the case for many women when football analogies are used in the conference room. Even some women who watch their alma maters play football or tune in for the NFL’s Super Bowl, do not understand the fundamentals of the sport. Therefore, they tune out when the analogies from the sport are used, laugh at inappropriate times or do not actively participate in the conversations. All of these actions are not conducive to building rapport with colleagues and getting positive attention from your superiors. Football is played between two teams with the object being to score the most points. Each team has three units: offense (move the ball to score), defense (stop the other team from scoring) and special teams (handle all kicking situations). Each team can only have 11 players on the field at one time. Since businesses focus on increasing revenue (scoring), we are going to review the offense. Offense The goal of the offense is to move the ball down the field to the defense’s end zone to score

“Come on , it’s 4th and inches!” “We have to dominate the line of scrimmage!” points. This team is referred to as having “possession,” meaning that it possesses control of the football. The offense makes progress toward their goal by accumulating yards. This attempt to get more yards and move down the field is known as a “Drive.”

recovers a fumble in the end zone or the kicking team recovers a kickoff in the end zone.

The offense has four downs (opportunities) to gain 10 yards. If they are successful, they receive another set of four downs. This is signaled by a “First Down.” This continues until the offense scores or does not earn a first down and loses control of the ball giving the other team possession of the ball, at that point, and the opportunity to start their drive in the opposite direction.

Two-point Conversion (2 points)– After scoring a touchdown, begin at the opponent’s 2 yard line and carry the ball into the end zone or catch the ball in the end zone.

Players on offense. 1. Quarterback – Team leader on the field. Sometimes decides and always executes the plays. Runs, hands off or throws the ball. 2. Center – Gives the ball (snap) to the quarterback and then blocks the defense. 3. Guards and Tackles – Hold the defense away from the quarterback and running backs. 4. Wide Receivers – Catch the ball from the quarterback.

Extra Point (1 point) – Kicking the ball from the opponent’s 2 yard line through the goal post after scoring a touchdown.

Field Goal (3 points) – Kicking the ball from anywhere on the field through the goal post. Understanding the offense provides clarity to these analogies. “We’re at first and 10.” - You have four attempts to gain 10 more yards and earn a new set of downs. You are at the beginning of a new assignment and can pace yourself to complete the next task. (Think of first downs as tasks, scoring as short-term goals and a victory as long-term goals.) “Its third and long.” - This is usually used when the offense has more than 8 yards to gain for a first down. The results of this attempt will decide the strategy

for the fourth down. This means that you are in a difficult situation, but you could pull it off. To be successful, your strategy must be one that gains a lot of yards fast because you do not have a lot of time or opportunities to reach the goal. So, your plan must sell more products immediately, not over the next five years. “Its fourth and inches (or goal).” – This is your final attempt to get a first down or score. You are close, but if you fail, the competition gets the ball. (The pressure is on!) Many times, teams elect to punt the ball in this situation because they want the other team to start their drive as far from their end zone as possible. So, if the coach elects not to punt, it demonstrates that he believes that his team can accomplish the goal during an intense situation. Don’t let him down! Do not miss out on networking opportunities that come from sports. Get in the game and win! To expand your knowledge on football and other sports, follow Heels & Helmets online at www. heelsandhelmets.com and twitter @HeelsandHelmets.

5. Running Backs – Receive hand offs from the quarterback. 6. Tight Ends – Block the defense and catch passes. Scoring Points in football are scored by the offense in, primarily, the four following methods:

Ladies, get in the game and win!

Touchdown (6 points) - Player carries the ball into the end zone, catches the ball in the end zone,

™

heelsandhelmets.com

Fitness andLifestyle

By Barbara Satterwhite RN Barbara Satterwhite is a retired registered nurse. She was educated in Canada, worked 29 years at the Medical College of VA Hospitals/ Virginia Commonwealth University. Has been with Nikken, as an Independent Consultant, for 16 years.

It’s All About Energy

Energy. What is it? How do we get it? How does it affect us? We are a mass of energy. Every cell in our body produces energy. So why are we so tired, drained, feeling like we have none? Our bodies, given the right environment, have an abundance of energy and we feel good. So what are some of the things contributing to our lack of energy and why we hurt more? Lack of quality water, air, sleep and nutrition impact our energy and health. The Good, the Bad, the Ugly Our bodies are electrical magnetic fields that rely on natural energies, water, nutrition and sleep to survive. Some elements, like manmade electrical fields, interfere with the proper working of our bodies. Being outside can make us feel better. The earth is a big magnet. All life forms, humans, plants and animals, could not survive without magnetic earth. The Good- natural energies of the earth (magnetism), sun (infrared), air (negative ions) are all around us and abundant. Healthy food, water and air are available. The Bad- we live, work and play in buildings that block natural energies and are air tight. We have many conveniences that make staying inside pleasurable. We live fast paced, stressful lives. We don’t sleep well or get enough sleep. We are exposed to a sea of toxicity. We lack good water, air and nutritious whole foods. The Ugly- we are exposed to an incredible amount of man made electrical magnetic fields (EMF’s) that interfere with our body’s natural magnetic fields. Children are growing up in a sea of radiofrequency radiation that has never existed in human history.1 The normal electrical fields of our appliances in our homes are mild, compared to the now high frequencies of wireless WIFI,

smart phones, and smart meters installed by utility companies. These very high frequencies go through buildings and us, affecting our neurological, immune and hormonal systems.2 What if there was a solution? There is. NIKKEN is a company that has been providing products that replicate the earth’s natural energies for almost 40 years. Nikken addresses the vital elements of life: sleep, water, air, nutrition, light and energy. The products provide an environment for our bodies to function optimally. Sleep It is the most important element of our health, during which the body regenerates, so if you aren’t getting quality sleep, you often wake up more tired than when you went to bed. Found only in the Nikken Kenko™ Sleep System, the technology is a combination of features that work together to enable better sleep, provide more rest and assist the processes of physical and mental recharging that form the basis of sleep . It includes magnetic energy, a massaging surface, far-infrared fibers and more. Addressing factors such as support and temperature regulation are crucial to enjoying sleep that is healthy and restorative.

your water, your kidneys are. Water is an essential part of our electrical bodies, so make sure it is safe, healthy, alkalinizing water. Nikken’s PiMag Water Technology begins with a high-tech, multiplestage filtration system based on natural materials to clean water without chemicals. It adds Nikken magnetic technology and ceramic elements that impart minerals to produce pi water, known in Asia for decades as “the water of life.” Nutrition The internal fuel that supplies energy. It is no secret that our food is lacking the nutrition it once had due to mineral depleted soils, fast growing practices, processed food, fast food, etc. Nikken’s Kenzen Wellness Organic-Based, Whole Food Nutrition is designed to bring the daily diet closer to nature. Each ingredient in the program is carefully selected and, where possible, the organic content is maximized. Energy Our energy is depleted with the incredible amount of

Air Indoor air is more polluted than outside air because of our carpets, paint, cleaners, etc. There are so many children and adults with an increasing number of respiratory related challenges. If you are not filtering your air, your lungs are the filter. The Nikken Air Wellness Technology combines multistage filtration, including a state-of-the-art ULPA filter) negative-ion generation and a unique system that operates without producing ozone.

Lisa Hazelgrove 804-5393251 lisa@lisahealthy.com

manmade electrical frequencies that surround us: stress, dehydration, lack of quality sleep and poor nutrition. When you sleep, walk, sit, using magnetic and far-infrared products, drink pimag water, breathe good air and eat good nutrition, you enhance your energy and experience less physical challenges. You can create an environment for you and your family to counteract the toxic world we live in and optimize your ability to feel better. Nikken has the answers. To become aware of our toxic world, go to: http:// awakeupstory.healthychild.org/ Nikken is a Trusted Partner of Healthy Child Healthy World Cell Phones, Radiation & Your Child’s Health; healthychild.org/blog/comments 1

Curtis Bennett, Chief Science Officer, Interprovincial Journeyman, Engineering Technologist, Adjunct Faculty for IHF & GEDI, 33 Year Advanced Thermography Background 2

Japanese Health Research Institute 39 years, 38 countries, 40 million customers

Join the Movement Looking for partners that embrace natural solutions Want extra income? Home based business “No Inventory” Become healthier Become a business partner Become a referral source (a friend who tells a friend)

Nikken

Beatrice Miller 804-852-1775 bea.miller@halo.com

Water If you are not filtering

Discover It, Live It www.nikken.com/satterwhite

Community andEducation Presented By Yvette Long Yvette Long is the founder and director of Platinum Minds and the president of ASPIRE, a teen development company. She is a certificated psychologist, a former fashion model, certified teacher and guidance counselor. She holds a Bachelor of Arts degree in sociology from Thomas Edison State College and a Master’s degree in student guidance services from Montclair State University. Yvette’s skill set includes training, public speaking, executive management, event management, fundraising, volunteer management and project management. She is the proud recipient of a number of awards including the Boy Scouts of America Tribute to Women Award (recognized for excellence in working with boys) and the Model Citizen Award in Morristown, NJ. When she can spare the time, Yvette enjoys golfing and badminton. She lives in Morris County with her husband and their two girls.

Inspired Approach To An Urban Problem

Platinum Minds is a nonprofit leadership development organization that puts on programs for academically motivated boys from select urban communities in New Jersey. The organization has a small staff and volunteer team who have assisted over 300 boys and assembled a small but growing core of Platinum Minds “scholars” who are smart, talented and passionate about making a difference. The organization is the brainchild of founder and director Yvette Long, A few years ago, Yvette read a news article describing deplorable environmental conditions in urban school districts. The article described a hostile educational environment, overcrowded classrooms, stressed teachers, and inadequate course work that should lead to success in our current economic environment. The conditions serve as a contributing factor leading to the influence of street gangs and alarming rates of incarceration among urban youth. To address this issue the concept of Platinum Minds began to take shape about six years ago. Platinum Minds provides life skills and educational services to a select group of boys in order to set them on a better path to a fulfilling future and instill in them a sense of confidence, leadership and integrity. The organization provides educational assistance, leadership training, summer camp opportunities, mentoring and community outreach initiatives. The non-profit works with school administrators, teachers and guidance counselors to identify boys willing to take part in the program. The staff works with parents to provide support for their son’s development. The Secondary School Scholarship

Initiative is central to Platinum Minds programs. Its purpose is to assist boy scholars with the application process for admission to top secondary schools where the scholars would be exposed to higher quality educational opportunities and new experiences. Of equal significance is the Platinum Minds Arete’ Leaders Initiative. The goal is to develop future community leaders by encouraging them to become community-conscious individuals. One method to achieve this is through the Frederick Douglas Reading Program, where secondary school students help primary school students develop reading and comprehension skills. This effort has been tremendously successful for the older boys in developing leadership skills and provides living, breathing examples of the advantages of integrity and scholarship for the impressionable younger students. The Platinum Minds Summer Camp Initiative is also viewed as an important element to develop well-rounded young men. For many of the scholars, it is a rare opportunity to learn

to communicate and form teambuilding skills with others from diverse backgrounds. The camp experience exposes students to activities and interests they may not otherwise develop. It serves as the foundation to develop strong bonds, networking opportunities, and life-long friendships. It has the added advantage of training the boys to think in terms of solutions for challenges they are likely to face in life and in the workplace. These camp experiences also stress the importance of nutrition and a healthy lifestyle. Rounding out the program initiatives is the effort where scholars are paired with committed mentors. Mentors dedicate their time and energy to modeling positive behavior while providing life-changing support and guidance. The Platinum Minds model works. To date, 100% of the students have gone on to college. Platinum Minds does not support students beyond high school but a few graduated scholars return to volunteer their time and offer their testimonies. News is spreading about Platinum Minds programs

- and more urban students are becoming interested in scholarship and leadership development as evidenced by the steady increased turnout at Platinum Minds symposiums held in urban areas such as Newark, Morristown and Asbury Park. The biggest challenge is fundraising. Money is needed to support the various initiatives, as well as other needs, such as transportation, meeting space accommodations, and supplies. Current funding is achieved through organized fundraiser efforts, generous donations, and a few small grants. In order to ensure long lasting sustainability Platinum Minds is seeking to attract philanthropists with the resources to underwrite the organization for two years with annual contributions of $150,000. Such funds would allow the organization to build capacity and focus on development rather than fundraising. To find out more about Platinum Minds and how you can help visit www.platinumminds.org or www.aspireexcellence.com

“It is easier to build strong children than to repair broken men.” –Frederick Douglas

www.platinumminds.org

www.aspireexcellence.com

Fashion andBeauty By Kelly Albani-Wilson Kelly Albani-Wilson has been an Independent Beauty Consultant with Mary Kay Cosmetics since 1991. She is a member of the Dynamic Dream Team led by Director Ellen Dusault. In addition to offering skin care classes and color consultations, she specializes in bridal make over’s and gift baskets for all occasions. Kelly has been a Licensed Nurse for 26 years. Her passion and dedication to patient care has proven to be the right “make up” for success. She is a devoted Mom of five children and enjoys traveling. She recently celebrated her 18th wedding anniversary with her loving husband Oscar. Kelly is an active supporter of The Make a Wish Foundation and chairs an annual fundraiser on their behalf.

Caring For Your Skin Is Easier Than You Think

Skin care is the single most important part of any woman’s daily beauty routine. Effective skin care does not need to be time consuming. A good routine keeps the skin clean, moisturized and protected against environmental pollutants. Advances in skin care research and technology have resulted in products that are simple to use and deliver multi-tasking results. By using combination products you can achieve cleansing, toning, exfoliating and moisturizing with added sunscreen protection in just a few quick steps. Individual needs can be customized based upon skin type, lifestyle and age fighting needs. Women’s skin will change many times during their lifetime. It’s beneficial to re-evaluate your skin care regimen seasonally, making sure the products are appropriate and giving optimum results. Skin, being the largest organ in our body can be greatly affected by a variety of environmental factors including changes in temperature, humidity, and level of sun exposure just to name a few. It’s quite common to use different formulations during different seasons. September and October are great months to reevaluate your skin care routine

because it’s the beginning of the season where we see great changes in weather and our lifestyle. For example, once our home heating goes on, our skin can become very dry. This change in environment may have to be compensated for with more moisturizing skin care products. Foundation is an extension of basic skin care. Select a formula that is suitable for your skin type. Using a foundation with sunscreen helps protect from harmful UV rays as well as pollutants which can be absorbed through your pores. Using a foundation helps to even out your skin tone, resulting in a natural look while enhancing your skin care.

products help reduce bacteria thus reducing acne formation and preventing further blemishes.

expensive. Try a customized skin care class and glamour make over with Mary Kay at no cost.

When considering color cosmetics, there are so many colors and formulations to choose from. Color selection can be fun, however it can be confusing and time consuming as well. What woman hasn’t purchased a lipstick because it looked nice on display, only to discover it didn’t look the same with her skin type or tone? Buying the wrong colors can get

Learn how to take care of your skin in the comfort of your own home. A consultation takes less than an hour and gives women a unique opportunity to try products before she makes a purchase. Investing a few minutes a day in routine skin care will promote healthy skin for a beautiful you for years to come.

For acne prone skin, consistency and patience is the key to success. With Mary Kay`s Clear Proof Acne System there is a science behind the regimen. Salicylic acid acts like the exfoliate to promote the easy removal of dead skin cells. By unclogging pores it can reduce the buildup of bacteria. Benzoyl peroxide is an oxygen-releasing ingredient that kills bacteria. Bacteria will flourish when there is a lack of oxygen, such as in a clogged pore. By creating oxygen rich environment these

KELLY ALBANI-WILSON Independent Beauty Consultant Mary Kay® WWW.MARYKAY.COM/KALBANI-WILSON 732-690-9099

Business andFinancial

Dining andEntertainment

By Adam Kline Adam started his restaurant career at age 15 in establishments in Southern New Jersey. After moving to North Carolina in 1988, he gained the knowledge and experience to become a manager at some of Greensboro’s finest restaurants.

Sweet Red Wines: More Than A New Fad

The most commonly asked question asked to me as a waiter about wine is to suggest a “sweet” red wine. There are a few different reasons for this. First, people today are trying to take advantage of the now known healthy benefits associated with drinking red wine. Secondly, the newest generation of wine drinkers has evolved to possess a higher craving and desire for the sweet. The problem with traditional red wine to this new clientele is that they find it far to “dry,” meaning a lack of sweetness. This has long just been the way it is, now it is becoming more of the way it use to be. When the customer base demands a product, the market responds. More and more sweeter red wines are being produced. Sweet reds are a great way to enjoy all of the red wines benefits, without the full tannic flavors of a Cabernet. What Makes Wine Sweet The sweetness of a wine, by definition, is the amount of residual sugar created throughout the wine’s fermentation process. This measures the amount of sugar that remained unfermented in the finished wine. Basically, if all of the grapes original natural sugar is converted during fermentation, the wine is considered “dry.” The amount of left-over sugar makes the wine sweeter, hence, less dry. A California Riesling has only 1 to 2 percent residual sugar, while dessert wines range anywhere from 5 to 30 percent. Sweetness vs. Fruitiness “Sweet” red wines are hard to find since sweetness is commonly considered a flaw. Most red wines do not get labeled sweet, but rather, are classified as “fruity.” Try not to ask for a sweet red wine unless you are looking for a dessert wine or a Port. You most likely are looking for a lighter red wine with a lot of fruit flavors. Beginners in the

wine tasting world may describe dry wines as sweet because they confuse fruitiness for sweetness. A wine is fruity when it possesses distinct aromas and fruit flavors. You smell the fruitiness with your nose, using you olfactory senses to tell your brain to taste something fruity. Sweetness, on the other hand, is a tangible impression on your tongue. If you have doubts, try holding your nose when you taste wine. You will find wine tasting noticeably less fruity, since your other senses have not predetermined what to expect. If the wine is truly sweet, you will still have the ability to taste it without the odor.

of wine drinkers will soon replace the Baby Boomers as the number one consumers in America. This generation, my generation, were raised on diet soda, sweet tea and other highly concentrated sugar products. Now, as they have grown to experiment with wine consumption, their palates demand

what they like and are familiar. Barry Sheridan, vice president of marketing for Treasury Wine Estates, which owns Beringer states, “Why is everyone so surprised the Millenials (What they call this generation), who drink Coke for breakfast, would want to drink sweet wine?”

List of Sweet Red Wines Port – a fortified wine from Portugal. Most ports are sweet, thick and possess a high alcohol content. Usually served with dessert.

More than a Fad Supply and Demand. This is the most basic economical formula which sets the market for every business in the world. Sweeter red wines are now becoming more widely demanded than ever, especially in the U.S., and the suppliers are taking notice. While Moscato is getting all the attention presently as the latest wine craze, sweet red wines are ever more noticeably taking everything to another level. Sweet red wines are not only the next popular fad; they may change the wine business forever. These red wines sales grew over 170 percent just from last November till January. This growth has surpassed Moscato’s increase and does not look to lose momentum any time soon. Stefanie Gallo, vicepresident of marketing for E.&J. Gallo is quoted, “There is a major shift going on in the U.S. wine drinking culture. We expect that demand will continue to grow.” The people buying sweet red wines fulfill the exact demographic current marketers crave, Women and middle to high income 21-35 year-olds. This new generation

Lambrusco – Grown in Italy and Argentina. Slightly sweet and better served chilled to go with grilled of barbecued foods. Beaujolais Nouveau – A delectable wine that gets its name from the Beaujolais area of France where it is made. It has strong fruit flavors, very lightweight and very popular at showers and weddings. Barbera – This wine from its named region in Italy usually offer a strong berry flavor. Syrah or Shiraz – It’s the same grape with 2 names. Shiraz is from Australia and New Zealand, while Syrah is everywhere else. Simple. This wine may satisfy the desire for a slightly sweeter red wine

Somerset County ’ WomensJournal

Reaching 100,000+ Readers throughout New Jersey and Reaching 45,000+ Readers in Somerset County, New Jersey

This is what our advertisers say about the Women’s Journals: “Honestly, I was reluctant to do yet another print ad for my business. I had not seen the results in past advertising attempts and it was hard to make another such investment. But something told me that The Women’s Journal would be different. Is it ever! I saw immediate, direct results in my business! The Women’s Journal reaches my target audience and because it is so informative to perspective clients, they follow through and I get the sale. I have the bottom line to prove it! Thank you so much...” - Melisa Ferriola, Lasting Looks “I have worked with the Women’s Journal in two separate areas of my career. Each time, I continue to be impressed by the professionalism and compassion of the staff. The articles and advertisements are always perfect. If I have a problem, Pam is always there to help. What more could a Marketing Director ask for. Thank you!” - Kristy Handley, Marketing Director, State Street Assisted Living

“Without question, an outstanding way to educate patients.”

- Vincent Perrottta, M.D., Peninsula Plastic Surgery

“The Women’s Journal is the most successful advertising we have ever done.” - Focal Point Opticians “A priceless educational vehicle to allow patients quality, objective information about our various procedures.” - Andreus V. Strauss, M.D., Director of Oncology Beebe Medical Center

“The Women’s Journal is the best advertising I have ever done, I can’t believe I waited so long to try them. They are the only advertising I am doing now.” - Carmella, Permanent Cosmetics “Magnificent response to our advertising.”

- Dave Crowley, President, Bethany Bay Resorts

Did you know?

Women’s Buying Power • • • • • • • • • •

94% Home Furnishings 93% OTC Pharmaceuticals 93% Food 92% Vacations 91% of New Homes 89% Bank Accounts 85% Auto Purchases 81% Riding Lawn Mowers 80% Healthcare 66% PCs

Women account for 85% of all consumer purchases. • Women carry 76 million credit cards, 8 million more than men. • In 2001, U.S. women’s purchasing power constituted the number 3 market in the world; the collective buying power exceeded the entire economy of Japan. • By 2010, women are expected to control $1 trillion, or 60% of the country’s wealth, according to research conducted by Business Week and Gallup. (Sources: The Business and Professional Women’s Foundation, Trendsight, Business Women’s)

INCPICSÂŽ Studios offers a new innovative concept in creative studio services. Our unique strength comes from our team concept giving us the opportunity to offer you many seasoned professionals all under one roof. With greater flexibility in scheduling needs, and a much broader range of specialized services and expertise to offer to each individual client and their ultimate creative needs. Traditional Portraits head-shots, family, portfolio shots, corporate, wedding and announcements, baby images, on location, real estate, outdoor, office or business. Events all size event from large affairs - we have photographed large town events including Maplewoodâ&#x20AC;&#x2122;s Mayfest and Pridefest, to small intimate affairs, such as birthdays, sweet sixteen, christenings, and so much more. Commercial retail product photography, print ads with mechanized images, print material with products featured. Business identity with product retail shots. Videography state of the art filming services both in-studio or on location. Video Production Services, preproduction, post production, video transferring to DVD, editing, all conversions, and photo digitizing. Video services featuring your business or product with a video commercial filmed on location or at Incpics Studios. Pet Photography have your pet captured, with you, the entire family or alone. Capture their unique personality in a photo and get a memorable print or other photo item as a keepsake. Graphic Design and Art Direction Comp cards designed, photo business cards, company identity with images, set direction, wardrobe, posters for special events, business cards and handouts. All work is completely print ready.

INCPICS Studios 866-931-4443 incpics.com 1677 Springfield Avenue Maplewood, New Jersey

If it doesn’t challenge you

‘

it doesnt change you

call joe today!

TRAINER JOE’S 101 Mount Bethel Road Warren, NJ 07059

908 339 7466

trainatjoes.com