SOUTHERNMARYLANDWOMAN.COM NOVEMBER/ DECEMBER 2020
CHARLES COUNTY EDITION
Empowering patients to lead healthier and longer lives while feeling slim & sexy
PERFECT TIMING
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s t l u d a g n for you PHOTO BY SANDI FORCI PHOTOGRAPHY
MAKING SPIRITS BRIGH T
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RICHARD COOK, MD
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MEET THE ULTRASLIM DOCTOR
COOKING WITH SHANIQUA!
LOCAL AUTHOR RELEASES FIRST COOKBOOK
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MedStar Orthopaedic Institute at St. Mary’s 25500 Point Lookout Rd. | Leonardtown, Maryland MedStar St. Mary’s Hospital | Outpatient Pavilion | 2nd Floor
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William Lennen, MD Joint replacement
Visit MedStarStMarys.org/Ortho or call 202-400-2760 to meet our doctors and make an appointment today.
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Convenient Care for Southern Maryland Women Find a Team You Can Trust in Waldorf and La Plata Our passionate team at UM Charles Regional Medical Group — Women’s Health understands your needs at every stage of life. For pregnant women, our new model of care combines the prenatal expertise of office-based providers with the delivery skills and experience of obstetrical hospitalists. For all of our patients, we are here for you with quality care along every step of your journey. Schedule your appointment today. UMCharlesRegional.org/CRMG/WHealth
UM Charles Regional Medical Group — Women’s Health 605 E. Charles Street, La Plata, MD 20646 177 St. Patricks Drive, Suite 101, Waldorf, MD 20603 Monday - Friday, 8:00 a.m. - 4:30 p.m. | 301-609-4800
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IN THIS ISSUE
Local high-schooler Sydnie Collins believes it is time for the youth of America to take the lead in becoming the change that needs to occur in our country. During the midst of the pandemic, Sydnie led the way for her peers by launching her very own podcast, “Perfect Timing,” to talk with friends about how they were feeling. Read on about her passion to give back to the community at such a young age and her advice for other girls looking to have their voice heard. Flip to page 28.
Charles Edition
ION NTY EDIT S COU CHARLE
THE MEET DOCTOR SLIM ULTRA
Feature Writer Publisher Jennifer Reginald Oda Solms Editorial Assistant Graphic Design Rachel |Lytle Dave Schindler design760.com Dana Foody
Graphic Design Dave Schindler Photography Dana Irving Harris, IrvingFoody Harris Photography Photography Sandi Forci Photography SOUTHERN MARYLAND WOMAN, LLC Lindria Dockett Photography
Bring in the New Year with the help of Richard P.O. Box 1656 • Leonardtown, MD 20650 Cook, MD, Internal Medicine Specialist. If (301) 904-3366 Fax: (301) 475-2680 you’ve ever tried to lose fat by getting into Sales &•Marketing Oda@southernmarylandwoman.com shape, leading a healthier lifestyle or struggled Megan Vereb, mvmarketingevents.com www.southernmarylandwoman.com with problem areas of fat resistant to diet and exercise, you know how hard it can be to see Distribution results, particularly for adults and women The Woman’s Journal newspaper is published bimonthlyChristian and is available free of charge, by subscription, display stands in approved priSolms and public establishments and authorized distributors only. Trademark laws and U.S. copyright laws protect The Women’s Journal. post menopause. Get to know Dr. Cook and vate Carlisa Kent No part of this paper may be reproduced without the written permission of the publisher. The Women’s Journal is not responsible for any what inspired him to add cosmetic services editorial comment (other than its own), typographical errors from advertisements submitted as camera ready or any reproductions of John Cook advertisements submitted as camera ready. If an advertisement does not meet our standards of acceptance, we may revise or cancel it like UltraSlim, an FDA-approved fat removal at any time, whether or not it has been already acknowledged and/or previously published. The advertiser assumes sole responsibility and skin rejuvenation treatment, to his for all statements contained in submitted copy and will protect and indemnify The Women’s Journal, its owners, publishers, and employEvery issue produced in loving memory of Melissa Solms-Baruth ees, against any and all liability, loss or expense arising out of claims for libel, unfair trade names, patents, copyrights and proprietary practice. Turn to page 16. rights, and all violations of the right of privacy or other violations resulting from the publication by this newspaper for its advertising
Reduce your holiday stress page 9 Tips for virtual learning page 18 Good habits make great budgets page 30 Making spirits bright page 31
Tell your story!
Are you a local writer or leader interested in being featured? Send your stories, pitches and ideas to Oda@SouthernMarylandWoman.com.
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Editor MarylandCopy Women Since 2007. R. Caren Bitar www.whizmarks.com
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Publishers Oda Solms-Baruth A Community Publication Proudly Melissa Solms-Baruth Inspiring, Educating & Connecting Southern
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copy. Publisher shall be under no liability for failure, for any reason, to insert an advertisement. Publisher shall not be liable by any reason of error, omission and/or failure to insert any part of an advertisement. Publisher will not be liable for delay or failure in perforSOUTHERN MARYLAND WOMAN MAGAZINE mance in publication or distribution if all or any portion of an issue is delayed or suspended for any reason. The publisher will exercise PO Box 1656,Leonardtown, MD 20650 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 material301.904.3366 or reproductions made by advertisers. This newspaper will be published by the 5th day of every other month. Representations by The Women’s Journal, copyright 2011. TM Publication of advertising contained here does not necessarily constitute endorsement. Photos and artwork from iStockPhoto.com, Dreamstime.com and Vectorstock.com. Read us online at
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Southern Maryland Roller Derby Girls Pictured (L-R) Jacki Taylor - Beelzebruise, Tammy DePhillip - Buffy Shovers, Christina Simpson - Princess Sleia, Rachel Harris - Rach Against the Machine, and Letitia Clem-McClanahan - Rhapsody N. Bruise. Page 18
health&wellness By Deborah Duley, MSW, LMSW, Owner and Therapist at Empowered Connections, LLC
Where Do We Go from Here? I don’t know about you, but I swear 2020 has been the longest DECADE of my life! Since the world shut down and we had to lock ourselves in our homes, it has been an emotional roller coaster for me and everyone I know. Our entire world is suffering from different crisis’ and we’re collectively grieving and sad. Not only has Covid-19 changed everything, but all the cracks and fissures in our American society has come to light. This country’s systemic racial disparities have finally caught the attention of every American and it cannot be ignored any longer. The weather has been devastating, including the wildfires ravaging our beautiful communities out west, while the
hurricanes have taken their ugly anxiety and depression right toll on our south. So many people now. Lack of motivation, sleep are struggling in our country right disruptions, boredom, restlessness, now, with so many issues that it is hopelessness. We are seeing this hard to figure out where to look. among ourselves and our clients So much every day. Realize that what connects us is way grief, so much So how do anger, so much we get back to more powerful than what divides us. fear and worry. where we were Understand that if we don’t make six months ago? This is the first time in my life changes right now, our world is going Short answer: that all these to implode. We must start taking care WE DON’T. We societal ills can’t. Change of our planet vigorously, our neighbors is the only way are front and center, and boy fiercely, and each other with everything we can move has it taken an good we have. Vote. Use your voice. forward. emotional toll What does Donate if you can, no matter how small. this mean? It on most of us. This means we Give back and don’t be afraid to receive. means we must are all struggling grieve the loss We’re all in this together. with increased of what we thought our lives would be; letting go of what was and beginning WELCOMING NEW THERAPISTS to embrace what could be. Take this time to remember what is Francesca Orfila, MSW, LMSW Seeing girls & teen girls important to you, what you cannot in Dunkirk live without, and I bet the list will be very different than what you Mindy Hill, LGPC thought it would be years ago. Seeing girls & teen girls I have learned that I don’t in Leonardtown need more shoes, more purses, more STUFF. I need my loved ones, my books, my garden, my Specialized kitchen. I need nature and time to counseling feel present in my own skin. I’ve Empowered Connections is services learned what is happening in the nd excited to announce their 2 for women and world right now is a precursor to location, now in Dunkirk to girls starting what will only get worse if don’t offer more care and support at 8 years old for our community start making changes NOW. Start small, at home, in your community. Look for the helpers, be kind to everyone regardless of their skin color or their ethnic background. Realize we are all the same and have the same desires for our children, the same hopes and dreams and heartbreaks. Realize that what connects us is way more powerful than what Schedule a session by calling 301-690-0779 Ext 700 divides us. Understand that if we or emailing us at hello@empoweredconnections.net don’t make changes right now, our world is going to implode. We 25482 Point Lookout Road | Suite 201A | Leonardtown, MD must start taking care of our planet 2972 Penwick Lane | Suite 101 | Dunkirk, MD vigorously, our neighbors fiercely, and each other with everything
WHERE YOUR
story
IS OUR STORY!
good we have. Vote. Use your voice. Donate if you can, no matter how small. Give back and don’t be afraid to receive. We’re all in this together. Love is what we need to get us back to who we are, and to where we want to be. No, it won’t look the way it did last year, but maybe, just maybe, it could look better? That’s what I’m hopeful for and that’s what we focus on in our sessions at Empowered Connections. Being thankful for what we have now, being hopeful for what will be, and being committed to standing next to you while we all create a world that we can be proud of and feel safe in. Our therapists know that connection is uber important right now and we know just how to do that. We’ve perfected our online therapy platform and methods and we’d love to reassure you that healing doesn’t need to wait until we’re back in the office. We can do good stuff right now. Let us show you by scheduling your next appointment with one of our women’s experts. We got you!
Empowered Connections was founded in 2013 by Deborah Duley, MSW, LMSW, with a rebellious spirit and a big dream of connecting women and girls everywhere through specialized mental health therapy. We believe in connection, in the strength of women, that family (whatever that looks like for you) is our priority, in offering excellent customer service and that having the freedom to live the life we love, is paramount to everything else. We strongly believe that women need connection to heal and that where you have been, so have we. Where your story is our story! We believe that women are the future and that we have the power to change the world! We believe in the ripple effect of this change and are striving every day to help women and girls discover and empower their inner badass! Check us out at EmpoweredConnections.net or call us at 301-690-0779 ext. 700.
N ovember/D ecember 2020 | SouthernMarylandWoman.com
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health&wellness By Kathleen Stark, LMSW, Inner Pathfinder Coach
Reduce Your Holiday Stress As the holiday season approaches, your stress level will probably rise. In addition to your typical schedule of work, home, and kids, you have got more shopping to do, menus to plan, and food to prepare. The good news is, even with all the extra activities and preparations, you can still reduce your holiday stress. Here are some proven strategies to help you decrease your stress. Some of these may even be so effective that you’ll choose to use them all year long, not just during the holidays!
1.
Acknowledge that everything doesn’t need to be perfect. The commercials and movies on television during the holidays really miss the mark when it comes
to realistic portrayals of family holidays. Accept that you can enjoy beautiful holiday get-togethers regardless of whether something is spilled or you’re having trouble locating your favorite dinner napkins. Furthermore, most people will hardly notice if the pies were baked a little too long or you forgot the cranberry sauce.
2.
Start holiday planning and preparations earlier. Can you imagine how much less stressed you would feel if you had all your gift shopping and wrapping done in October? Also, plan your holiday menus well in advance of using them. This way, you’ll have the menu set and the store lists made, and as the holidays draw closer, you
can review and make any minor adjustments you want. Spreading tasks out over longer periods of time means you will have less stress during the holiday season itself.
3.
Scale down your holiday plans. Because adults sometimes have an overly idealistic view of the holidays from their childhood experiences, this strategy can be tough to do. Scaling down your plans involves letting go of your “perfect dream” for the holidays; you don’t have to find the perfect gift, spend the most money, or have a room stacked with wrapped packages to show your love to others. Instead, ascribe to the theory, “It’s the thought that counts.” Most people will never remember the cool present you got them, but they will remember the warm memories of time you spent together.
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Take shortcuts to save time. Figure out easier ways to do things. One good example: Rather than baking the pies, order them from a nearby restaurant that’s known for its delicious baked goods. When shopping, don’t be afraid to select gift cards as holiday gifts. The fact is many people prefer receiving a gift card as they can then choose exactly what they want. Gift cards are easy to shop for, satisfy nearly everyone, and will cost you less in wrapping paper.
5.
301-769-1176 ✤ kathleenstarkcoaching@gmail.com
Choose what you want to do. Ponder what the holidays truly mean to you and then express that meaning in your celebrations. Let go of feeling required to plan and carry out elaborate, lavish celebrations. Maybe you would rather have smaller, more intimate gatherings with friends spread out over a month or two, rather than a big whoop-de-doo that makes it difficult to safely connect with others, especially due to COVID-19. The best way to teach your children that the holidays are about giving
to others is to take them to visit local charities or to serve meals at a soup kitchen. This year, make the decision to reduce your holiday stress. By shedding the urge to be perfect, beginning holiday planning earlier, scaling down expectations, and using shortcuts to save time, you’ll bring your tension level way down. Think about what you really want the holidays to mean to you and your family. Then, you can let go of expectations based on the past and really enjoy your time together. And ultimately, isn’t that what the holidays are for?
Kathleen Stark is a licensed social worker in the state of Maryland. She has a bachelor’s degree in Psychology from University of Maryland, University College, and is a Master of Social Work from Salisbury University, Maryland. Kathleen combines her years as a Social Worker and a psychotherapist with her experience as a cognitive behavioral therapist. She teaches concrete skills to assist women to own their value and create a positive outcome in their personal and professional lives. Kathleen is the founder and owner of Kathleen Stark, LLC, and creator of the Inner Pathfinder online coaching program. Kathleen has 10 years of experience working with women in many capacities: trauma healing specialist, empowerment coaching and cognitive behavioral therapist. As a therapist and life coach, she is passionate about connecting with women and guiding them through their challenges. Kathleen integrates her knowledge of women’s issues and her life experiences to guide them in increasing their overall view of self, to decrease struggles with imposter syndrome and gain a full loving relationship with self. To connect with Kathleen or learn more about her services, visit KathleenStark.com.
N ovember/D ecember 2020 | SouthernMarylandWoman.com
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N o v e m b e r / D e c e mb e r 2 0 2 0 | SouthernMarylandWoman.com
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ocal author, talk show host and home cook enthusiast, Shaniqua Cousins, is pleased to announce the upcoming release of her cookbook/storybook “Flavored with Love” in November 2020. In her first cookbook, Shaniqua shares a collection of practical homemade meals inspired by her southern roots and life experiences. Readers will learn about her passion for food matters, health hacks, love for family and friends, creating fond memories, and her signature measuring techniques. She encourages readers to make the most out of individual and family mealtime and to create memorable moments with each and every bite!
health&wellness By Jennifer Voorhaar, LCSW-C
Re-route Your Thoughts to Heal Your Trauma Why me? Why not me? We often ask ourselves these two questions at some point during our life. Someone is chosen for an award – why not me? You are passed over for a promotion – why me? These thoughts come from an idea we learn as little children that the world is just and fair. Except, it’s not. You see, we begin our lives at a very young age thinking good things happen to good people and bad things happen to bad people. This leads us to believe that if something bad happens to ourselves, then I must be a bad person and conversely, if something good
happens, I must be a good person. However, we all know now this is not the way the world works. Sometimes bad things just happen, and sometimes good things just happen. But these early ideas influence the way we respond to traumatic events. When a traumatic event occurs, the survivor may ask, why me? Or sometimes, why not me? We begin to cook up thoughts in our head that feed the beliefs about our trauma or our response to the trauma. How we think about ourselves, others, and the world around us is greatly influenced by
Feeling ashamed, lost, afraid, alone? Reliving terrifying moments? Wondering when the dreams will stop? No matter what the road of life has put in your way, there is hope for recovery. Contact Hope and Healing Psychotherapy today to begin your healing journey. 41650 Courthouse Drive, Suite 301 Leonardtown, MD 20650 301-690-8404 www.hopehealingtherapy.com hopehealingtherapy hope_healing_therapy
the way we think about our trauma. It is also important to note that after a traumatic event, some survivors are greatly impacted by the event while others are not. The way our brain responds during the psychological “flight, fight or freeze” process determines how we react and recover after a trauma. I’ll save you the neuroscience lesson and simply say our brains basically determine how we react, and the way we react moves along a continuum – one with “no impact” on one end and “severely impacted” on the other. The amazing part is that we can heal from our trauma regardless of what end of the spectrum our brains might land. While our brains are hard-wired and complex machines, we are strong and powerful agents of chance. When we focus on our thoughts, determine if they are helpful and realistic, and then change those thoughts that are not, we can change the ways our brains process the trauma. It’s kind of similar to sledding. For example, imagine you’re heading down the hill and you’ve got a great run. It’s fast and smooth then all of a sudden, you veer off to the right. Now, each time you go down the hill you keep veering off to the right. The only way to change your course is to dig your feet down, push into the sled, and force the sled back on to the best snow trail. Eventually, you will reinforce a new, better path and create a blockage to avoid the other not-so-great path. We can do the same thing in our minds while healing from trauma. We go along with life and it’s smooth as ice. Then all of a sudden, something happens (trauma), and we are veering off to the right. But getting back on the right path is possible. If we
dig down deep, engage in traumafocused therapy, and put in the hard work, before we know it, our brains will return to the reinforced, original smooth pathway with access to the negative route no longer in our way. At Hope and Healing Psychotherapy, we offer Cognitive Processing Therapy for Post Traumatic Stress Disorder (CPT for PTSD). This model of therapy helps the trauma survivor learn how to change their unhelpful and unrealistic thoughts about themselves, others, and the world. Chose the best sledding path. Dig deep. Let us help you do the hard work. There is hope in healing! Jennifer Voorhaar is the owner of and therapist at Hope and Healing Psychotherapy, LLC. Having a therapist with a heart to heal is an important place to start. While her focus is on helping children, adolescents, and adults recovering sexual trauma and other forms of abuse, Jennifer has a strong background in working with diverse populations with a variety of needs. With over 17 years serving the mental health needs of the community, she has worked with veterans and military families, young children, teens and older adults. Her passion is helping people recover from trauma. Jennifer started her own practice to be able to better serve the community longterm and to be able to focus on the work she enjoys professionally. Her office is a safe place where you can share any thoughts, feelings, or fears you face. Nothing will shock her, and you will always feel supported. If the office setting isn’t for you, we can lace up your shoes and walk (or jog) around the streets of Leonardtown. Jennifer’s top priority is making you feel comfortable.
N ovember/D ecember 2020 | SouthernMarylandWoman.com
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Everyone loves the gift of delicious! Explore our delightful gift options at a wide variety of price points. You can even have a gift sent directly to someone and attach a note.
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BEGINS: 3 P.M. TREE LIGHTING: 6:30 P.M. PLACE: Linden, Calvert County Historical Society 70 Church St, Prince Frederick, MD Enjoy this fun-ďŹ lled holiday event with familyfriendly activities, seasonal refreshments, caroling, a visit from Santa, and much more!
For additional information, visit calvertchamber.org or calverthistory.org
health&wellness By Karl Smith, DDS, MS
The Advantages of Regenerative Periodontal Therapy According to the Centers for Disease Control and Prevention (CDC), more than 50 percent of Americans over the age of 30 have periodontitis, a more advanced form of periodontal disease and don’t even know it. In its early stages, periodontal disease is called gingivitis, with symptoms that include swollen, inflamed gums that may bleed during tooth brushing. When allowed to progress, gingivitis can turn into periodontal disease, also known as periodontitis. How Is Periodontitis Treated? There are a range of options available for treating periodontitis depending on the severity of the disease. Initially, a deep cleaning may be recommended to remove the infection and allow your gums
to heal. In some advanced stages, the instruments used to perform the deep cleaning may not be able to reach the actual bacteria that is leading to the problem. If the disease is more advanced, a regenerative periodontal therapy procedure may be the most effective treatment approach.
new bone and healthy gum tissue. Eliminating existing bacteria and regenerating bone and tissue helps to reduce the pockets between your teeth and gums and restore your mouth to optimal health.
What is Regenerative Periodontal Therapy? A regenerative periodontal therapy procedure is used to reverse the effects of advanced periodontal disease. When the infection has already begun to destroy the underlying bone that supports your teeth, this type of therapy is recommended to: • Remove bacteria from beneath your gum line • Regenerate lost bone and tissue • Reshape the bones that support your teeth • Prevent future gum damage
Periodontal disease and the inflammation that it generates within your body are associated with a number of very serious health issues, including diabetes, heart disease, osteoporosis, and even cancer. Because gum disease is progressive, early treatment is always best. If you have symptoms associated with periodontitis, you may be a candidate for regenerative periodontal therapy. Schedule a comprehensive periodontal screening right away. Gain peace of mind that you are not at risk. My friendly team is standing by to help answer all of your questions. A referral is not necessary. Call 301-638-4867 or visit us online at www.drkarlsmith.com.
Who is a Good Candidate? People with severe or advanced gum disease are usually good candidates for regenerative periodontal therapy. Common symptoms of advanced gum disease include: • Red, swollen, or bleeding gums • Deep pockets between your teeth and gums • Damaged or loose teeth • Loose gum tissue • New tooth spacing or the appearance of “getting longer” • Pain while eating and chewing • Bad Breath • Receding gums
What Should I Expect?
179
Regenerative periodontal therapy can be done with local anesthesia or a comfortable sedation. During the procedure, the gum tissue is folded back to remove the disease-causing bacteria. Depending on the degree of damage, membranes, bone grafts, or tissue-stimulating proteins can also be used to stimulate your body’s natural ability to regenerate
Dr. Karl Smith has been in dental practice for more than 34 years. He received his Doctor of Dental Surgery degree from the University of California, Los Angeles in 1981 and immediately entered General Practice in the US Air Force Dental Corps. He successfully completed three years of advanced education in the specialty of Periodontics with additional training in IV Sedation and Dental Implants in 1992, at the University of Texas Health Science Center, San Antonio and Wilford Hall USAF Medical Center. He won the John Pritchard Prize for outstanding research which included looking for a vaccine against bacteria that cause periodontal disease. Year after year, Dr. Smith has been consistently voted Top Dentist by Washingtonian Magazine, Northern Virginia Magazine, and Virginia Living.
N ovember/D ecember 2020 | SouthernMarylandWoman.com
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Open to members and Call us today to learn non-members for both more about our golf eat-in and take-out memberships, leagues dining every day. & tournaments.
21935 Society Hill Road, Leonardtown, MD 20650 • BretonBayGolf.com
WE’RE THRILLED TO ANNOUNCE THE CREATION OF THE MD SIERRA FILM CLUB, A PARTNERSHIP BETWEEN THE SIERRA CLUB MARYLAND CHAPTER AND THE D.C. ENVIRONMENTAL FILM FESTIVAL.
CHECK OUT: SIERRACLUB.ORG/MARYLAND/FILMCLUB Breathtaking footage and award-winning visual story-telling help us gain a deeper understanding of the environment in every corner of our planet.
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A monthly live panel with filmmakers, experts, and community voices to explore issues detailed in a free film
Curated playlists of 4-7 films on pressing environmental topics
Access to hundreds of environmental films of all lengths
To support our grassroots environmental advocacy and free programming, give the gift of membership this holiday season! Visit sierraclub.org/Maryland/joinordonate.
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ate
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BRIDAL EXPO Sunday, March 7th
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The Hall at Huntingtown is a warm and inviting local event venue conveniently located in Huntingtown, MD. Our professional management gives careful thought to every detail to make hosting your special event effortless. Whether you are planning a corporate retreat, holiday party, or wedding event, you and your guests will benefit from our facility’s personal touch.
Schedule an appointment today to visit our beautiful venue! Contact Facilities Manager Carole Fonfara at cfonfara@hallathuntingtown.com or 410-535-4439.
meetthedoctor
QA & with
PHOTOGRAPHY BY SANDI FORCI
Richard
COOK
MD
Internal Medicine Specialist at Cook & Siu PC
Q: What do you love most about your profession?
Being able to empower patients to lead healthier and longer lives through education and treatment. Also, staying active in my community by volunteering free health care and lectures to those in need or just looking to lead healthier lives. Q: What sets your practice apart?
Q
“There is nothing else like UltraSlim® on the market and can be used by anyone, from a Victoria Secret model to those who struggle with excess weight.” Tell us about your happiest professional moment:
There are many, but I love telling my patients to wear tighter garments at their first treatment session because they will notice their clothes will be looser after the first 32-minute treatment. Also, we have never had anyone lose less than two and a half inches on their first visit (most lose three to five inches).
We are known for spending quality time with patients, which enables trust and correct diagnoses. My physical exams usually last 90 minutes and a follow up appointment can last up to 70 minutes. Q: What inspired you to add cosmetic services? My practice is based on being one of the few in the DMV area to offer the safest, immediate FDA approved, cutting edge technology for fat loss: UltraSlim®. There is nothing else like it on the market and can be used by
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anyone, from a Victoria Secret model to those who struggle with excess weight. Q: How do you ease patients’ fears? I love telling patients the
N o v e m b e r / D e c e mb e r 2 0 2 0 | SouthernMarylandWoman.com
UltraSlim procedure is side-effect free. It carries a “Risk I category,” meaning our procedure is as safe as a tongue depressor! Other procedures, such as CoolSculpting, SculpSure, liposuction and plastic surgery
all carry risks anywhere from bleeding, infection, blood clots, burns, swelling, pain, blisters, and hernias, to name a few. Explaining this is usually all it takes to ease any fear of our procedure.
enhanceyourappearance
with No Downtime
I
f you’ve ever tried to lose fat by getting into shape, leading a healthier lifestyle or struggled with problem areas of fat resistant to diet and exercise, you know how hard it can be to see results, particularly for adults and women post menopause. Welcome to UltraSlim®. UltraSlim is an FDA approved, noninvasive fat removal and skin rejuvenation treatment using a sophisticated, non-UV light photomodulation device designed by NASA. This light stimulates the body’s natural breakdown of fats via opening pores on fat cell membranes and the fat leaks right out. UltraSlim® is the only non-invasive procedure approved by the FDA for immediate fat loss, with instant results in 32 minutes. This is guaranteed, or your money back. Patients usually lose on average 3.5 inches and 1.6 liters of fat during a 32-minute treatment. Compare this to the most popular competition, SculpSure or Coolsculpting, which take about three months to lose a stick of butter size of fat by killing fat cells and also carry the added potential for side effects such as pain and infection.
UltraSlim® is an FDA approved, non-invasive fat removal and skin rejuvenation treatment using a sophisticated, non-UV light photomodulation device designed by NASA.
“There are no medications, no side effects, no pain, no surgery, and no exercise required.” Not only does UltraSlim® have a two-inch fat loss at your first treatment guarantee, but there are no medications, no side effects, no pain, no surgery, and no exercise required. It is the safest weight loss procedure there is with a risk one side effect category – this means the procedure is as safe as a tongue depressor. UltraSlim® also works by stimulating collagen and elastin in the skin therefore it can also offer a non-surgical face-lift that can take years off your face for a younger look, and a non-surgical butt lift to help rid your legs of unwanted cellulite. All patients begin with a consultation by a board-certified physician during which time you will learn about the technology, how it is used and how it works. Treatment usually begins on your first visit. The first treatment will last under an hour, so measurements can be taken. Following sessions will be 45 minutes, allowing 32-minutes of light time and dressing/ undressing time.
To schedule a consultation for UltraSlim or UltraSmooth at the Waldorf office, please call 301-472-4290 or visit ultraslimwaldorf.com.
Dr. Richard Cook
is a third-generation physician from Annapolis, Md. He now resides in Charles County with his wife and three children. Dr Cook attended Howard University for his undergraduate education and received his Bachelor of Science in Biology and minored in Chemistry. Dr. Cook graduated from the Howard University School of Medicine and completed his Internal Medicine residency at the Union Memorial/University of Maryland program in Baltimore, Maryland, which is also known for being one of the nation’s top heart institutes, a top 100 hospital ranked by US News, and the official hospital for the Baltimore Ravens football team. Currently, Dr. Cook is President of the Charles County Medical Society in Maryland and a member of the Omega Psi Phi fraternity in which he serves on the International Board of Prostate Cancer Prevention and Awareness. He has been a member of the American Medical Association, the American Association of Physician Executives, the American College of Physicians, and is a Diplomate of the American Board of Internal Medicine. Dr. Cook also serves as the official team physician for the Southern Maryland Blue Crabs professional baseball team, is an Associate Program Member at the University of Maryland Medical Center, has a Courtesy Faculty Appointment at the George Washington School of Nursing, and is a Physician Peer Member for the State of Maryland Board of Physicians. N ovember/D ecember 2020 | SouthernMarylandWoman.com
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How to Survive the New Normal: Tele-Schooling On any given normal day, I am a teacher and a parent – separately. Right now, in addition to my job and like many of you, I am doing both roles as a teacher-parent due to schoolfrom-home, or as I affectionally like to call it, “tele-schooling.” It is a hard balance for everyone. By now, most families have routines in place and spaces set up for virtual learning, but the question remains… How do we survive this new normal? A teacher to one is a teacher to all. From what I am hearing and seeing every day, I thought I would offer some tips for both students and parents as we work through virtual learning together.
Take brain breaks! “Recess” is important for all ages. Get outside, read an actual paper book, and get some exercise! Reduce surrounding distractions: Wear headphones and if possible, try to work in a comfortable, quiet place. This is especially important so students can engage in their online meetings and their online work.
Parents: Foster Independence: Parents, now that you have helped your children navigate through some of the technology challenges, try fostering some independence. Let your children have productive struggle so their teachers can see what they know and are capable of. Help your kids stay social: Remember that
Tips for Virtual Learning
social interaction with friends is still very
Students:
that are available or have social meets online
Focus on time management: A schedule with assignments due each day is key. Stick to a regular schedule and get the work done that day. Focus on time management so you don’t have to deal with late assignments adding up and getting overwhelming.
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important. Try to get your children in sports for lunch time. Celebrate the wins: Last but certainly not least, celebrate the wins! Let your children know when they are doing a good job. Try and stay positive and have patience! This is new for them, too.
N o v e m b e r / D e c e mb e r 2 0 2 0 | SouthernMarylandWoman.com
Southern Maryland native Candice Berthiaume is an Instructional Resource Teacher for St. Mary’s County Schools. She holds a Bachelor of Science in Elementary Education and a Master of Science in Human Resources Development from Towson University and a Certificate of Advanced Study in Education for College of Notre Dame. Candice lives in Calvert County with her husband and two sons.
business By Tracie Daniels
Move Beyond the Seat at the Table How to Fully Engage Employee Voices In this current national climate, the voices of the people are being heard. Earlier this summer, in the wake of the social injustice against George Floyd, Breonna Taylor, and others who lost their lives at the hands of those hired to protect and serve, people spoke out all over the planet. Not only were their voices heard, changes followed! We witnessed changes in how we view national holidays – Juneteenth is now a recognized holiday for many companies. We witnessed changes in sporting events with the elimination of the confederate flag at NASCAR and the addition of the Black National Anthem in major league football
games. We witnessed proposals for changing laws in policing and criminal justice system This movement fueled corporate America as well as thousands of organizations to issue public statements condemning social injustice and discriminatory treatment of minorities, standing in solidarity with the Black Lives Matter movement. Wonderfully, many companies have moved beyond the statements to identifying action steps needed to embrace diversity, equity, and inclusion. As many companies continue to engage and create a diverse environment, the power of the employee’s voice
cannot be overlooked. Employees need a platform where they are empowered and encouraged to speak. Therefore, companies must be focused on promoting diversity and inclusion, while reducing bias. Although this is no easy task, it can be accomplished with targeted and measurable planning. Creating an environment that embraces diversity is great, however, it is not enough to just create an environment and leave it unattended. An unattended garden is likely to grow weeds and can adversely affect the other plants in the garden. Likewise, creating an environment that embraces diversity but does little to nothing to move the initiative forward, is likely to lose momentum and die. Companies must embrace this often-overlooked part of inclusion – the voice of the employee. Companies thrive because of their employees. Innovation, creativity, processes, infrastructure, technology, are just a few of the contributions provided by employees. Employees are the lifelines of the company and are critical to survival and sustainability. If employees feel their voice does not matter to the company, they are less likely to contribute to the success of the company. So, where do companies begin? To answer this question, you must ask another question – what do our employees need to be successful and feel valued? The answer can only come from the employees. Data is a necessary part of any company change because data can provide a great picture of where the company currently stands and allows for predictions and plans to be made around where the company wants to go. Gathering data from your employees through channels such as employee satisfaction
surveys, town halls, focus groups, and virtual suggestion boxes, is a start. Any of these channels can be effective at hearing the voices of the employees. Of course, hearing the voices of the employees is not enough. Companies must turn their employee voices into ideas, strategies, and goals. Change must be the response to hearing employees. Companies must move beyond providing just a seat at the table to allowing employees to speak and be heard. For some companies, this may be happening organically. Yet for others, there must be an intentional effort to move the needle forward. One thing is evident though – the time is now for companies to shift to an employee-centered approach for business to remain competitive.
Tracie Daniels has more than 20 years of experience as a leader in the human capital management field. She has worked in various sectors including government, financial services, nonprofit, telecommunications, and legal services. Mrs. Daniels has managed several high-profile projects including spearheading the education and awareness initiatives for the Obama Administration’s National Making Home Affordable Program of 2009 – 2015. Mrs. Daniels is the President of Synergy Consulting, a human capital management consulting firm, which specializes in strategic planning and executive management, diversity and inclusion, organizational assessment and design, performance management, and leadership development consulting. Mrs. Daniels holds a bachelor’s degree in psychology and a master’s degree in counseling. Mrs. Daniels has served as board member for several nonprofit organizations.
N ovember/D ecember 2020 | SouthernMarylandWoman.com
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community Article submitted by MedStar St. Mary’s Hospital
MedStar St. Mary’s Hospital Unmasks Virtual Gala for 2020 MedStar St. Mary’s Hospital’s annual Gala will be going virtual this November, and there is still time to join in the fun. UnMasked Gala 2020 will culminate with a “Make Your Own Gala Night” Nov. 20 for individuals and businesses who donate to the annual fundraiser. Donations to this year’s Gala will be used to help improve the patient experience by funding projects such as the purchase of new couches in the hospital’s inpatient units. Designed to be multi-functional, the couches convert to sleeper sofas, ave built-in trays for eating, and convenient charging stations. smaller, less urgent projects will have to wait. Philanthropic donations such as those made to the Gala, will allow us to move forward with some of these important needs.” “We are not able to come together in person this year due to precautions related to COVID-19, but we still wanted to find a way to thank our sponsors and supporters through some virtual fun,” said Holly Meyer, Director of Marketing, Public Relations & Philanthropy for MedStar St. Mary’s Hospital. “This year’s festivities will feature a DIY Gala experience designed to combine everything our guests love about the in-person event—the people, the raffle, the food and drinks, and the entertainment.” Funds raised through previous MedStar St. Mary’s Galas have been used to support major hospital renovations and scholarships for individuals wishing to pursue careers in health care. “Community support means so much to our hospital,” said Meyer. “Hospital revenues were greatly impacted due to the COVID-19 pandemic when elective procedures had to be shutdown. Most of our capital budget each year is used to replace, or purchase needed medical equipment which can be very costly. The pinch COVID has placed on our budget means
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N o v e m b e r / D e c e mb e r 2 0 2 0 | SouthernMarylandWoman.com
“These couches are not like your living room furniture,” Meyer said. “They are made to withstand constant use and hold up to rigorous cleaning practices.”
The 2020 Gala is being made possible by our generous sponsors, including CMI General Contractors. “We are so honored to have CMI as our Presenting Sponsor this year,” said Meyer. “Their excitement and willingness to be a part of our first-ever virtual event has been uplifting and greatly appreciated.” Sponsorships are still available, and anyone can make donations to the event through the end of the year. Additionally, donors to the Gala will also have the opportunity to purchase chances to win one of three raffle items—two tickets to
next year’s Gala, a Leonardtown-themed gift basket, or an at-home, chef-prepared, five-course meal for up to 10 people offered by Ken Upton of Ken’s Creative Kitchen in Annapolis, our long-time Gala caterer. Raffle chances will be sold online to donors prior to and during the virtual event.
of MedStar St. Mary’s Hospital. “During the pandemic, our hospital staff was continually awestruck by the support from the community. The generosity that built this hospital more than a hundred years ago continues and we were all very moved by the support.”
“More than ever we appreciate the support from individuals and our business sponsors who recognize how important our hospital is to the community,” said Christine Wray, president
Guests enjoy previous MedStar St. Mary’s Hospital Galas. This year’s Gala will include a do-it-yourself virtual Gala night.
Visit MedStarStMarys.org/Gala2020 in the weeks prior to Nov. 20th to view special videos about the hospital, the Gala, and the impact funds raised have on our community, or to donate. N ovember/D ecember 2020 | SouthernMarylandWoman.com
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pa ion profile PHOTOGRAPHY BY LINDRIA DOCKETT PHOTOGRAPHY
SYDNIE Collins Fifteen-year-old Sydnie Collins (aka Sydnie Chandler
Monet) believes it’s time for the youth of America to take the lead in becoming the change that needs to occur in our country. A sophomore at St. Mary’s Ryken High School, Sydnie is the founder of Live Your Future Educated, Inc. (LYFE) non-profit organizationand host of the podcast “Perfect Timing.” As an academic honor roll student, she has been the recipient of the Presidential Scholarship in Leadership and Presidential Scholarship in Fine Arts. Sydnie is known as a daughter, sister, and friend to many.
onyourpassion
Tell us about your passion for giving back to the community at such a young age:
I am a 15-year-old podcaster who is hosting an international broadcast called Perfect Timing. Like other teens, I understand Generation Z is more likely to use social media to communicate, share, and shop. Perfect Timing Podcast was established for the sole purpose of serving young adults by giving them a safe place where they can feel free to use their voices to promote, educate and bring awareness to what is important to them. Youth empowerment comes in many forms and I want to use my platform to let my peers know that their voice matters and is heard. If they see me doing it, then my actions may inspire one more person to gain enough confidence to start something that they are passionate about. I once read that a man’s gift makes room for him — God has put a gift or talent in every person, one that the world can make room for. I want to be a part of God’s perfect timing story because we all have one.
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onyourmotivation
What motivated you to start Perfect Timing Podcast? What is the focus?
During the pandemic, I started to feel lost. I did not know how or what to do with all this free time. So, in mid-May, my mother challenged my sister and I to start a YouTube channel to talk with friends about how they were feeling. In early June, I kicked off my podcast and it is one of the most passionate undertakings that I have ever done. It is truly rewarding and has given me so much joy and hope for our future. Each of my episodes feature in-depth conversations about topics the youth are passionate about and occasionally guest star top experts from around the county. I want listeners to be inspired and learn how the youth are taking charge of their own dreams as they tell their stories, in their own words. I recently featured Faith Blackstone, 17-year-old activist and artist behind the iconic portrait of George Floyd and James Jobson-Larkin, 15-year-old ballet dancer and musician, who shared his experiences and love for the arts. I invited Dr. Howard Haft, Executive Director at Maryland Primary Care Program, to discuss the impacts of COVID-19 on teenagers. Recently, I also had the honor of speaking with Mrs. Julie Kent, Artistic Director of The Washington Ballet on finding hope and perseverance through dance. My fellow teens and I are breaking barriers now and will continue to do so in the future.
on onstarting your yourownpodcast
What has this experience been like? Talk about your struggles and successes:
Your voice and dreams matter – do not let anyone take away your voice!”
Since starting my podcast, I have met some amazing trailblazers and had the opportunity to build new partnerships. Hearing my guests speak about things they are passionate about has given me more than one reason to continue. If one person’s voice can inspire another person, then my work is not in vein. As far as struggles, I would say with every new venture comes obstacles we do not plan for. Finding and securing sponsors to support what you are doing is a challenge when you are confined to your home and not able to network outside of it. My reward is knowing I am using my talents to make a difference in bringing youth on my platform to discuss topics, dreams, and achievements that matter to them. Many say that they are proud of me, but my true reward comes from above.
onlessonslearned Advice to other girls looking to have their voice heard: If you believe in yourself others will believe in you, too. Keep striving and believing that you can achieve all things. Your voice and dreams matter – do not let anyone take away your voice!
onwhat’snext What do you envision for the future? My future is so bright that I can see my name among the stars! I am still learning and growing every day and I am
Perfect Timing Podcast can be found on SoundCloud, Spotify, Apple podcasts, and IHeartRadio @ ECLifeTalkPodcast
wheretolisten
perfecttimingyouthpodcast.godaddysites.com perfecttimingyouthpodcast _perfecttimingpodcast Perfect Timing is distributed through Elite Conversations Life Talk Radio
planning to take advantage of opportunities aligned to my core values and what I believe in, such as being a motivational speaker. I also am seeking gift donations for baskets that I will be raffling off to help with the expenses from the managing a podcast.
A new Perfect Timing Podcast episode is released every Monday at 2 p.m. EST. In June and July, four of Perfect Timing’s episodes made the top 10 in ratings on Elite Conversation Life Talk Radio and Sydnie was honored as the #2 host for June, July and August. In August, Perfect Timing episode 11, “The Impact of a Mother’s Love and Support,” rated #1 on their platform. Additionally, Sydnie is the only teen among 30 podcasters with Elite Conversation Life Talk Radio. She currently has Perfect Timing merchandise available for sale on her podcast website including T-shirts, masks, and jewelry.
N ovember/D ecember 2020 | SouthernMarylandWoman.com
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community
Calvert Author Releases Debut Novel, “The Eves” When was the last time you read a novel that was perfect for our time? When have you experienced a novel that treats families, race, gender, sexuality, and age honestly? When did a novel impact you and your relationships, and prompt meaningful discussions?
This summer, Calvert resident Grace Sammon, well-known educator, school reformer, consultant, speaker, entrepreneur, and author of educational books launched her debut novel, “The Eves.” The Eves is a multi-generational novel portraying lives lived well and lives in transition. Filled with poignancy and humor, “The Eves” captures the conversations we wish we had had with our parents, if we had the opportunity, and the lessons we would want to impart to our children, if they were ready to listen. It begins in 1868, when a mule and 40 acres of rich Southern Maryland farmland were given to Tobias and Delores Thatcher, newly freed slaves. Four generations later, “The Grange” is the home of Thatcher descendants and a group of women of color determined to spend their senior years challenging themselves and others. It is an ecologically sound and emotionally explosive place. After a single visit to The Grange, the psychologically complex and damaged Jessica Barnet sets out to catalogue the oral histories of the women. Jessica has given up on her ambition and her appearance, but not her lies, vodka, or her sense of loss and guilt. What we witness, through the vividly drawn characters, is an unexpected story. Through plot twists and turns, we learn the truth of Jessica’s lies. We also come to know the women of The Grange and the meaning of being on a life-long journey. Together we learn, love, live, and let go. Experience how coming to The Grange means leaving your mark on this Earth. Learn that when our stories are told, truly, everything changes. “The Eves” helps answer the question – are we ever really “done?”
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N o v e m b e r / D e c e mb e r 2 0 2 0 | SouthernMarylandWoman.com
About the author: Grace Sammon’s passion is storytelling. Writing is her voice. Communicating is her skill. The Eves is her fourth book and her debut novel. Grace grew up on Long Island, New York. She spent many years in the Washington, DC area where she raised her two children and established and owned an educational consulting firm operating in 32 states. She is also an entrepreneur, starting two non-profits and her own consulting company, GMS Partners, Inc.
“The Eves” is available on Amazon, for Nook, and at Barnes and Noble. Grace @gracesammon.net GraceSammon.net GraceSammonWrites GSammonWrites Grace Sammon – watch “The Eves” trailer!
travel By Wendy Guth, Travel Coach
Schoolcations & More: Who is Ready to Travel? Hi, I am Wendy Guth, founder of Rebel on the Go Travel. I specialize in creating travel experiences that transform you. Why? Because travel can be exactly that – transformational, radical, life changing. One of the greatest takeaways from travel is building curiosity, passion, and strength, along with flexibility, tenacity, and resiliency. It allows us to connect with our surroundings and build lasting memories from our experiences – to SAVOUR the moments on our journey. I created SAVOUR; my system for clients who want to feel relaxed, in control, and experience joy while traveling. SAVOUR is designed to
take these elements and bring them to where travel is today: S – Step out of your comfort zone A – Align your passions and interests V – Venture under your own power O – Open yourself to connecting U – Unwind with self-care R – Ritualize your gratitude During the pandemic, a silver lining has been the ability to work and learn remotely, but not always at home. Families are savouring these opportunities by heading off to destinations outside of Maryland. I wanted to share with you the number one question I hear these days: “Where can I go while my kids are learning virtually?” Schoolcations are popular right now! There are some fantastic hotel options for virtual schooling AND working.
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Please reach out to me at wendy@rebelonthego.com if you have any comments or questions. I would love to hear from you!
If you wish you had tech support for the Google, Zoom, Schoology, checkout out Kimpton Hotels, which has hired “Chief Virtual Learning Officers” at these locations: Winston-Salem and Charlotte in North Carolina; Austin, Texas; as well as Pittsburgh and Philadelphia in Pennsylvania. Montage Resorts has launched the “Montage Academy” that includes a study hall and virtual tutoring for kids aged 6 through 17. With locations in Park City, Utah; Laguna Beach, California; Bluffton, South Carolina; and Cabo San Lucas, Mexico.
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Learning meets luxury by the water! Special virtual learning options are available at either The Henderson, on the Gulf of Mexico in Destin, Florida, or The Grand Hotel, on Lake Huron on Mackinac Island, Michigan.
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Need an incentive to finish the day’s lessons? Check out the Four Seasons Resort Orlando with afternoons in one of Walt Disney World’s four theme parks.
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The Four Seasons Resort Punta Mita, located north of Puerto Vallarta, Mexico, offers Spanish lessons, Mexican culture and cooking classes, and pool and beach study cabanas.
The Auberge Resorts Collection has launched “Remote with Auberge.” With hotels in Aspen, Colorado; Park City, Utah; and Napa, California, the program offers “office cabanas” for both parents and kids.
Wendy Guth is the founder of Rebel on the Go Travel. Her vision is to create REAL. RADICAL. LIFE CHANGING. TRAVEL EXPERIENCES for her clients. As a Virtuoso Travel Advisor, she focuses on gatherings clients want, whether it be adventure travel, celebrations, and wellness travel. Wendy sifts through all the information and options in order to provide insider details, exclusive amenities (like upgrades and credits), and experiences (like private tours, sold out tickets, or unattainable reservations). As a Transformational Travel Coach, she strives to: 1) get you out of your comfort zone, 2) focus on your passions and interests, 3) connect you in the way you want, 4) allow for self-care AND, 5) travel under your own power. It’s all about PERSONALIZATION. CUSTOMIZATION TRANSFORMATION.
N ovember/D ecember 2020 | SouthernMarylandWoman.com
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Change Your Life in 2021 Woman Publishing Entrepeneurs Wanted...
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VEGAN RESTAURANT WEEK
few bright, energetic, creative
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SOUTHERN MARYLAND
With more than 2,000 animal-free dishes sold at 18 local businesses during the first-ever SOMD Vegan Restaurant Week in 2019, the St. Mary’s and Calvert County event returns Nov. 1 through 8, 2020. In honor of World Vegan Day on Nov. 1, participating restaurants will begin featuring a separate vegan menu (or vegan dish), specially created for this week-long community event. All diners are encouraged to enjoy a variety of plant-based menu items that support healthier diets, preserving the planet, and extending compassion to all living beings.
Follow @SOMDVeganRestuarantWeek on social media for updates and menus
Photo Contest! Tag photos using #SOMDVRW20
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that are publishing or have an option to publish in the United States and BE YOUR OWN BOSS! We are looking for a women and men to publish trademarked, copyrighted IN YOUR STATE, IN YOUR OWN BUSINESS! Join the fastest growing educational Woman’s Newspaper syndicated in the Unted States.
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law&finance By Colleen Sinclair Prosser, Estate Planning Attorney
Estate Planning is Life Planning What is the first thing that leaps to most people’s minds when they think about estate planning? A will. We have all seen the dramatic scenes in films of yesteryear: the reading of the will. The truth of the matter is that the will is no longer the focal point of estate planning. A well-rounded estate plan includes four documents: a revocable living trust, a general durable power of attorney, a health care power of attorney, a living will and a will. Probably the least important of these is the actual will. Why? Because a will is only effective at death, while the other three documents have an impact during your lifetime.
In order to be effective, a will must be admitted to probate. Probate is a process to transfer clear title of property from the person who died to the people designated in the will. As with most legal processes, probate can be costly, time-consuming, and public. Assets that go through this probate process are a matter of public record, open to the prying eyes of nosey neighbors and relatives, as well as con artists. Assets which are in a trust do not have to go through the probate process. In theory, when you place your assets in your trust, the legal title is no longer vested in you as an individual, but in the trustee of
the trust. As a result, when you die, no probate process is necessary to transfer title to the property. Thus, the trust bypasses the will and the probate process entirely. A “revocable living trust” is a trust, which is created while you are living, and which you can revoke or amend at any time. A well-drafted trust can be extremely flexible and can facilitate management of your assets while you are well, during a period of incapacity, and long after your death. While you are alive and well, you would be the trustee and manage the assets in your trust. Upon your incapacity or death, someone designated by you would take over as trustee and would manage the trust, making investment and distribution decisions in accordance with the instructions you set forth in the trust, providing continuity in asset management. In a general durable power of attorney, you appoint someone to make decisions for property not controlled by the trust. For example, your “agent” could file income tax returns for you, change beneficiary designations on life insurance and retirement plans, etc. The agent can also transfer any forgotten property into the trust. Again, this provides for a smoother transition during periods of incapacity. In a health care power of attorney, you appoint someone to make medical decisions for you in the event you can no longer do so for yourself. With a living will, you may express any wishes you have regarding life-prolonging measures. Finally, the will disposes of any property which remains titled in your name rather than the trust. The typical will simply is a “pour over” into the trust. The most important role of the will is the appointment of guardians for minor children. A qualified estate planning attorney can help you set up a plan
that will put your mind at ease. Sinclair Prosser Gasior focuses its practice on estate planning, elder law, and estate administration. Attorneys Jon J. Gasior, Colleen Sinclair Prosser, Victor A. Lembo, Alexander M. Pagnotta and Laura T. Curry share more than 50 years of knowledge and experience in matters associated with protecting estates and families from issues arising from death, disability, and taxes. For more information visit us at www.spgasior.com. MEMBER OF:
FREE Estate Planning Webinars We are hosting our popular Estate Planning Seminar online so you can watch from the safety of your own home. Please visit www.spgasior.com to view the upcoming webinar schedule and register! Colleen Sinclair Prosser, formerly the owner and manager of Sinclair Prosser Gasior, Colleen spent two decades at the helm of a busy practice and steered her firm with a guiding hand. Colleen continues to bring a wealth of Estate Planning and Estate Administration experience to the law firm through direct involvement with the clients of Sinclair Prosser Gasior. She has served on the Board of Governors Education Committee of the American Academy of Estate Planning Attorneys, on the Board of Trustees for By Their Side, Lifelong Advocates for Marylanders with Developmental Disabilities and as a Board Member of the Community Foundation of Anne Arundel County.
N ovember/D ecember 2020 | SouthernMarylandWoman.com
27
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N o v e m b e r / D e c e mb e r 2 0 2 0 | SouthernMarylandWoman.com
DONNA & WILL MANAGERS
301-638-9070
financial By Kristin Kauffman
How to Lose the Rate this Holiday Season Nope, it’s not a typo! Cedar Point can help you drop some excess rate this holiday season. For one week only, we have an auto loan deal you won’t want to miss. We know that when you’re in the market for a vehicle, many people choose to finance at the dealership because it is convenient. But that convenience can end up costing hundreds or even thousands of dollars over the life of the loan because of the high interest rate. Did you know that by refinancing with Cedar Point, you can save money, and we may be able to reduce your monthly payment?
Let’s start with the basics. What is refinancing? In a nutshell, you’re paying off your old loan and taking out a new loan with new terms. Refinancing can lower your monthly payment and save you interest expense. In many cases, you also have the opportunity to extend the life of the loan to reduce your monthly payment even more. This is how Cedar Point can help you save. Even better, we are dropping our auto rates for one week, from Nov. 27 though Dec. 4, 2020. Beginning on Friday, Nov. 27, and lasting for one week only, Cedar Point will reduce new and used auto loan* rates by one full percentage point for new online and in-person
For one week only! NOV 27 - DEC 4 Rates as low as
1.65 %
APR
CEDAR POINT FEDERAL CREDIT UNION
Visit any branch or apply online at cpfcu.com/offer
Offer applies only to auto loans on vehicles up to 10 years of age. Limitations apply. APR = Annual Percentage Rate. Rates accurate only 11.27.20 - 12.4.20. Federally Insured by NCUA. These special rates are available for the purchase of new and used autos and for refinancing auto loans which are not already financed through Cedar Point.
auto loan applications. That’s huge! Whatever low rate you and your vehicle would normally qualify for will be further reduced by a full 1.00% during the promotional period. For example, if you qualify for our lowest new car rate at 2.65% APR, we’ll lock you in at an actual rate of 1.65% APR for the life of the loan! After you apply, your new rate will be valid for 30 days. This allows you plenty of time to shop for that perfect car. If you refinance with Cedar Point, we can help you pay off your old loan and get you on the road to greater savings. What’s even better? You don’t have to have an existing relationship with Cedar Point to take advantage of the savings. You simply need to live, work, worship, go to school in, or regularly conduct business in St. Mary’s, Calvert, or Charles Counties. Government and/or military affiliation is not required to do business with Cedar Point. Please stop in to see us or learn more at www.cpfcu.com/ membership. Visit any branch or apply online Nov. 27 – Dec. 4 to take advantage of this limited-time special offer. These special rates are available for the purchase of new and
used autos and for refinancing auto loans which are not already financed through Cedar Point. Visit any of our five branch locations in Lexington Park, Leonardtown, Charlotte Hall, and Prince Frederick. *This offer applies to auto loans only on vehicles up to 10 years of age. APR = Annual Percentage Rate. Limitations Apply. Rates accurate only 11.27.20 – 12.4.20.
Kristin Kauffman is the Marketing Manager at Cedar Point Federal Credit Union. She holds a Master of Business Administration from the University of Saint Mary and a Bachelor of Arts from Muhlenberg College. She is currently studying for her certification as a Credit Union Certified Marketing Executive through the Credit Union National Association. Recently, Kristin led the credit union through a brand discovery process, reimagining the credit union’s values and brand promise to better serve its members, employees, and the community. Kristin is the Vice Chair of Southern Maryland Community Resources (SMCR), a non-profit which creates events, opportunities, and virtual experiences for community members with developmental differences in Southern Maryland.
N ovember/D ecember 2020 | SouthernMarylandWoman.com
29
financial By Carlisa Kent, Financial Coach
Good Habits Make Great Budgets The definition of habit is an acquired behavior pattern regularly followed until it has become almost involuntary. In other words, something we do repeatedly until it becomes part of us. It becomes so normal, so regular, it is almost involuntary. People are creatures of habits. From friendships in our lives and the food we eat to our daily rhythms and our spending patterns. Some habits can obviously be unhealthy, but habits used in a positive way can help us establish great rhythms in our lives.
Contact Me Today to Change Your Tomorrow Carlisa Kent | 240-528-1743 linktr.ee/Carlisacares Zoom Appointments Available
• Create a starter emergency fund • Pay off all debt • Save 3-6 months of household expenses • Invest 15% of your household income • Begin a college fund for kids CARLISA KENT Financial Coach • Pay off your home early
A financial budget is a great habit. A spending pattern written down monthly, so we are prepared for upcoming events. As the year comes to an end, it is time to start focusing on our 2021 budget. Let us look at what we experienced in 2020 and plan for 2021. First, get out your pen or pencil and make a list of special occasions – the events that happen every year, but we may forget to plan for, like birthdays, anniversaries, holidays, and even “Back to School.” These events happen in our lives annually, but they somehow sneak up on us every time. Not this year! I am going to help you plan for each special event in your life with a monthly budget. It will start by making small adjustments, changing habits, and setting financial goals that include these annual “surprises.” I can show you how to make a zero-based monthly budget before the new year begins so you can see where your money is going and find out how much you can save each month. The thought of a budget does not
need to be stressful. It is a good habit that alleviates financial surprises. Let me guide you into financial peace!
Contact Me Today to Change Your Tomorrow 240-528-1743 @Carlisa Cares Financial Solutions linktr.ee/Carlisacares Zoom Appointments Available! Financial Coach Carlisa Kent helps individuals and businesses conquer their finances in a smart and sustainable way. A graduate of Trinity College, Washington D.C., and a mother of four, Carlisa successfully lived through her own financial crisis and now wants to help others do the same. After a devastating car accident in 2008, Carlisa was able to keep her family financially secure while going through litigations and financial stress. Due to self-discipline and education, Carlisa never missed a bill and was able to continue a happy life although her family had no income for two years. Looking back on it, Carlisa knows she was successful because she stopped and evaluated her future before the crisis hit – and you can, too.
Spiced Caramel Apple
makingspiritsbright
Martini
Opened in 2017, Southern Trail Distillery is owned and operated by Richie and Rachael Copsey and located on their family farm in Mechanicsville, MD. This is a true family-run business with their two daughters, Ryan and Kylie, helping with the distilling process and assisting with events. Southern Trail distills and bottles flavored moonshine, vodka, spiced rum, and whiskey. All their grains are locally sourced from farmers in St. Mary’s County. Southern Trail offers tastings and has a cocktail bar in the tasting room to host public and private events.
- Rim glass with caramel sauce and cinnamon sugar - 1 oz. AppleShine - 1 oz. Salted Caramel Shine - 1 oz. Apple Cider Shake all ingredients over ice, pour into rimmed glass
Peppermint Espresso
¨
M
l i a t k Coc S E S S CLA
Martini
Pictured: Brooke Brown (left) and Rachael Copsey (right)
Cocktail classes and tastings at Southern Trail Distillery are offered in collaboration with Bashes by Brooke Brown. As the owner, Brooke teaches mixology courses around the Southern Maryland region, creating signature cocktail menus and specializing in consulting for local restaurants and bars. Rachael and Brooke have collaborated since 2018 creating delicious cocktails and hosting fun mixology classes at the distillery.
240-249-6009
27227 Morganza Turner Road Mechanicsville, MD, 20659 info@southerntraildistillery.com
- Rim glass with chocolate syrup and crushed peppermint - 1 oz. PeppermintShine - 1 oz. CoffeeShine - 1 oz. Crème de Cocoa - ½ oz. simple syrup Shake all ingredients over ice, pour into rimmed glass N ovember/D ecember 2020 | SouthernMarylandWoman.com
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