SOUTHERNMARYLANDWOMAN.COM
MARCH/APRIL 2021
ng i k c Unlo
Y H T A P EM P I H S R E D A LE E C RA G &
Q&A with
TRACIE DANIELS
OF SYNERGY CONSULTING
GIRL, PUT THAT CRYSTAL BALL AWAY! TO REIN IN ➧TIPS YOUR ANXIETY
NEW LOOK! STILL FREE!
4 WAYS
TO IMPROVE YOUR DEBT-TOINCOME RATIO
LOCAL SPRING ACTIVITIES FOR FAMILIES
10 BOOKS
FOR WOMEN’S HISTORY MONTH PHOTO BY BETH GRAEME PHOTOGRAPHY
High 5’s all around. We’ve been nationally recognized “A”gain for patient safety!
2018-2020
MedStar St. Mary’s Hospital has earned five consecutive “A” grades for patient safety from the LeapFrog Group. The Hospital Safety Grade represents how well the hospital protects patients from errors, injuries, and infections. We are proud of the work our staff does every day to help deliver quality, safe care! Visit MedStarStMarys.org/ Newsroom for more details.
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Professional Headshots
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Real Estate/Commercial
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Family and Senior Portraits
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Professional Headshots
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Real Estate/Commercial
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Family and Senior Portraits
Beth Graeme Photography
Beth Graeme, CPP, Owner / 22760 Washington St #1 I Leonardtown, MD 20650
Beth Graeme Photography
Beth Graeme, CPP, Owner / 22760 Washington St #1 I Leonardtown, MD 20650 301-475-0303 / / HTTP://BETHGRAEME.PHOTOGRAPHY
301-475-0303 / / HTTP://BETHGRAEME.PHOTOGRAPHY
WHERE TO GO FOR WOMEN’S WELLNESS We Offer Two Convenient Locations in Southern Maryland You don’t have to go far for a compassionate and skilled OB/GYN. Look closer to home and find UM Charles Regional Medical Group — Women’s Health. Our growing practice makes maintaining your wellness easy with two local offices in La Plata and Waldorf. From your regular visits to managing chronic conditions, our expert team offers care you can count on every step of the way. Schedule your appointment today.
UMCharlesRegional.org/Women
Monday - Friday, 8:00am - 4:30pm 605 E. Charles Street, La Plata, MD 20646 | 301-609-4800 177 St. Patricks Drive, Suite 101, Waldorf, MD 20603 | 301-609-4964
ON THE COVER OM AN.C DWOM YLAN MAR HERN SOUT
NEWK! LOO L STILE! FRE
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2021
VE PRO TO IMEBT-TO TIO RD YOU OME RA INC
g kin loc HY Un AT
IP P SH EM ER D A LE ACE GR &
L LOCA G SPRINITIES ILIES ACTRIV FAM FO
1O0KS
with Q&A
CIE S TRAN IEL A D
G LTIN ONSU GY C NER OF SY
BO
’S MEN H WO T FOR Y MON OR Y HIST RAPH
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OTOG ME PH GRAE BETH
A Community Publication Proudly Inspiring, Educating & Connecting Southern Maryland Women Since 2007.
THATAWAY! PUT GIRL, TAL BALL IN IN CRYS TO RE TY TIPS
➧YOUR
IE
ANX
Publisher Oda Solms
Southern Maryland Woman Founder of Synergy Consulting Tracie Daniels discovered her true passion – helping people through education and support – around 10 years ago while working on President Obama’s Making Home Affordable (MHA) program. Southern Maryland Woman sat down with Tracie to learn more about the development of her firm, growing ambitions, and how she leverages the best in all of us to improve teamwork, awareness, and business outcomes.
Editor Rachel Lytle Graphic Design Dave Schindler Dana Foody
Flip to page 20.
Photography Beth Graeme Photography
IN THIS ISSUE 9 16 18 19 26 28
Distribution Christian Solms Carlisa Kent John Cook
Tips to Rein in Your Anxiety Estate Planning for Young Families
Every issue produced in loving memory of Melissa Solms-Baruth
4 Ways to Improve Your Debt-to-Income Ratio SOUTHERN MARYLAND WOMAN MAGAZINE Self Defense Classes for Women
PO Box 1656,Leonardtown, MD 20650 301.904.3366
Termite Tips for the Savvy Homeowner 10 Good Reads for Women’s History Month
29
Local Spring Activities for Families
30
Southern Maryland Goes Green
TELL YOUR STORY! Are you a local writer or leader interested in being featured?
Read us online at SouthernMarylandWoman.com
To advertise call 301-904-3366 or email us at oda@southernmarylandwoman.com today! Woman magazine is published bimonthly and is available free of charge, by mail, display stands in approved private and public establishments. Trademark laws and U.S. copyright laws protect Woman magazine. No part of this paper may be reproduced without the written permission of the publisher. This publication is published by the 15th day of every other month. Publication of advertising contained here does not necessarily constitute endorsement.
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Ma rc h /A p r i l 2 02 1 | SouthernMarylandWoman.com
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Big changes are coming soon to MedStar Southern Maryland Hospital Center.
New emergency department and front entrance opening spring 2021 Our hospital is nearing the completion of our exciting expansion and renovation project—the largest in our more-than-40-year history. Once complete, MedStar Southern Maryland Hospital Center will have a state-of-the-art emergency department (ED) to provide our community with the best care, as well as a beautiful, new front entrance. Here are some of the things you can look forward to: • A total of 40 ED treatment rooms— almost 50 percent more than before • 18,000 more square feet of space in the ED, for a total of 70,000 square feet • Designated space for behavioral health patients • A better waiting room • Easier access for EMS personnel • A separate area for patients who may have been exposed to pathogens • A new front entrance with a 24hour café for patients and visitors Thank you for your patience and understanding during this time of transformation.
Stay Up to Date! We look forward to sharing the renovation’s progress and completion with you! For more information and updates, follow us on social media, or visit MedStarSouthernMaryland.org/ Construction.
health&wellness By Deborah Duley, MSW, LMSW
Girl, Put That Crystal Ball Away! I know who you are. You. Yes, you! You’re the one who is always predicting what could happen, what might happen, what should happen, and then spiraling down the rabbit hole worrying about all the freaking possibilities of each tiny possible outcome (even if it’s virtually impossible for it to come true). I see you, girl. And believe it or not, this kind of “crystal ball” thinking is quite common among those of us who are struggling with anxiety and even among us high-achieving, successful women.
WHERE YOUR
story
IS OUR STORY! Empowered Connections is excited to announce their 2nd location, now in Dunkirk to offer more care and support for our community
It’s part of why you’re successful, right? The ability to be prepared for every possible scenario is not necessarily a bad thing. And actually, it’s a good way to keep anxiety at bay, too (more on that later). But, it can be debilitating to imagine all the possible horrific negative outcomes because this just feeds into your anxiety monster and makes you feel worse. So, here’s a little tip: Write down the event you are worried about (not the worries, but the actual event/ conversation/meeting, etc.) and then write down all the positive outcomes of what you’re hoping for. Example: You’re supposed to give a report at your meeting WELCOMING NEW THERAPISTS Francesca Orfila, MSW, LMSW Seeing girls & teen girls in Dunkirk Mindy Hill, LGPC Seeing girls & teen girls in Leonardtown
Specialized counseling services for women and girls starting at 8 years old
Schedule a session by calling 301-690-0779 Ext 700 or emailing us at hello@empoweredconnections.net 25482 Point Lookout Road | Suite 201A | Leonardtown, MD 2972 Penwick Lane | Suite 101 | Dunkirk, MD
tomorrow. You’re terrified you are going to freeze up, forget your words, be made fun of and then get fired (see what I did there?). Instead, let’s rewind. You’re giving a report tomorrow at your meeting. You talk confidently and smoothly, using your PowerPoint and notes that you created to keep yourself on task. Your co-workers praise you and your boss remarks how helpful
your presentation was. You nailed it! Whew, that was MUCH better! Notice how differently you feel when you imagine all the positive outcomes that will happen instead of worrying about how you’re going to screw it all up? Next time you see this coming, try this little tweak and let us know if it works for you. Happy anxiety slaying!
If you need some extra support, we’ve got you! Schedule online easily at www.empoweredconnections.net Empowered Connections has provided therapy to hundreds of women over the years and we love it! Based on the growing need of empowered support and years of research, we have developed an empowerment coaching program designed specifically for the high achieving, high functioning woman that is feeling overwhelmed, not good enough, and/or is juggling multiple roles. The woman who wants to increase their self-esteem, grow their resilience, get clear on who they are as humans and finally leave all the crap behind, that no longer serves them. Our program is designed to figure out WHERE that comes from, WHY and HOW to change it. No need to relive painful memories or experiences like we do in the traditional therapy room. Boom! So empowering! Our coaches are mental health professionals that have been specially trained with our EC curriculum to deliver this content to you in a way that gets results and we’re so excited to offer this program alongside our traditional therapy services! Stay tuned for more information at www.empoweredconnectionscoaching.com. Ma rch/A pril 2021 | SouthernMarylandWoman.com
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health&wellness By Richard Cook, MD
Enhance Your Appearance With No Downtime If you’ve ever tried to lose fat by getting in shape and leading a healthier lifestyle you may have struggled with “problem areas” of fat that are resistant to diet and exercise. Many of us, particularly adults and women post menopause, know just how frustrating it can be when despite your best efforts you don’t see the results you are after. Welcome to UltraSlim®. Lose 2 inches 1st treatment guaranteed! UltraSlim is an FDA approved, stimulates the body’s natural non-invasive fat removal and breakdown of fats by opening skin rejuvenation treatment pores on fat cell membranes and using a sophisticated, non-UV the fat leaks right out. light photomodulation device UltraSlim is the only non2 inches 1st treatment guaranteed! designedLose by NASA. This light invasive procedure approved
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Patients lose an average of 3.5 inches and 1.6 liters of fat inana 32 minute Patients lose anaverage average inches Patients lose of 3.5 3.5treatment. inchesand and liters 32minute minute treatment. 1.61.6 liters ofof fatfatininaa32 treatment.
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The ONLY device FDA-cleared for fat loss! The ONLY device FDA-cleared forimmediate immediate fat loss! Proven 100%effective effective ininclinical trials Proven 100% clinical trials
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Ma rc h /A p r i l 2 02 1 | SouthernMarylandWoman.com
All patients begin with a consultation by a boardcertified 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, and measurements can be taken. Following sessions will be 45 minutes, allowing 32-minutes of light time and dressing/ undressing time. 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. 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.
Dr. Richard Cook is a thirdgeneration physician from Annapolis, Md. He resides in Southern Maryland with his wife Betty and three children Liana, Sandra, and Marcus. Dr. Cook attended Howard University and received his Bachelor of Science in Biology. 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, Md, one of the nation’s top heart institutes. Dr. Cook is an active member of the Omega Psi Phi Fraternity and serves on the International Board of Prostate Cancer Prevention and Awareness. He is President of the Charles County Medical Society, a member of the American Medical Association, American Association of Physician Executives, the American College of Physicians, and is a Diplomate of the American Board of Internal Medicine. Dr. Cook currently serves as the official Team Physician for the Southern Maryland Blue Crabs Baseball team, is an Associate Program Member at the University Medical Center, holds 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.
health&wellness By Jennifer Voorhaar, LCSW-C
How to Quiet Your Mind Over the course of a day, we have thousands of thoughts. Some of them are clear and we can almost “hear” them in our head. Others come and go without us even knowing. Both have an impact on the way we feel and the way we respond to our environment. Stopping those thoughts isn’t an easy process and can often lead to more frustration than progress. However, there are a few ways to quiet and retrain your brain. Research shows that trauma responses often come from negative thoughts that get stuck in our brain and create pathways to negative thinking. If we can retrain those thoughts, then we can eliminate the negative thoughts and instead fill up our brain with positive or at least neutral thoughts. The first recommendation
I’d offer is to move your body. Yes, move your body to quiet your mind. When we exercise, our brains create an increased number of neurotransmitters such as endorphins, dopamine, and serotonin. These by their nature fill our brains with happy and healthy emotions, which can impact similar thoughts. Exercise also rids our brain of the unhealthy and negative chemicals, which can make us feel sad and stressed. The American Council on Education recommends 30 minutes of cardiovascular exercise 3-6 times a week, as well as strength training twice a week. You’ve worked out and your thoughts are still swirling, now what? Take a look at what you are consuming. Not just food, but also your relationships, conversations,
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
social media, news and other outside influences. If we fill our minds with negative content, then we will have nothing else to think about than negative things. Consider setting screen limits for yourself, choose your news wisely and evaluate your relationships. Not all relationships can be eliminated from our lives, but the ways in which we interact with people in our lives can be changed. Self-care is essential to brain health. Taking time (even just 10 minutes) away can help to recharge you and quiet your mind. Meditation can make lasting changes to your brain, which lead to quieter minds, healthier thinking, and less stress. Try an app such as Calm or Headspace to help learn how to meditate. Journaling is also a great way to process thoughts. Consider a download and an upload. What do I mean by that? Choose a colored pen and write any negative thoughts on a piece of paper. Ponder them. Then, with a different colored pen, re-write the thoughts to be more helpful and realistic. Finally, read and reread them to upload them to your brain.
If we fill our minds with negative content, then we will have nothing else to think about than negative things. Consider setting screen limits for yourself, choose your news wisely and evaluate your relationships. It is also vitally important to realize that it is okay to not be okay. The providers at our practice are available to be a sounding board – to help you process your thoughts, make
sense of them, and retrain your brain. You deserve a quieter mind, less stress in your life, and a happier outlook. What are you waiting for? 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 long-term 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.
Ma rch/A pril 2021 | SouthernMarylandWoman.com
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WE WILL REBUILD, RECONCILE AND RECOVER AND EVERY KNOWN NOOK OF OUR NATION AND EVERY CORNER CALLED OUR COUNTRY, OUR PEOPLE DIVERSE AND BEAUTIFUL WILL EMERGE, BATTERED AND BEAUTIFUL WHEN DAY COMES WE STEP OUT OF THE SHADE, AFLAME AND UNAFRAID THE NEW DAWN BLOOMS AS WE FREE IT FOR THERE IS ALWAYS LIGHT, IF ONLY WE’RE BRAVE ENOUGH TO SEE IT IF ONLY WE’RE BRAVE ENOUGH TO BE IT
”
upcoming
Virtual MARCH
Excerpt from “The Hill We Climb” Presented by Amanda Gorman, National Youth Poet Laureate, at President Joe Biden’s Inauguration on Jan. 20, 2021. theamandagorman.com
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Events
March Meeting Wednesday, March 10, 2021 – Noon Cost: Free for Chamber members; $10 for non-members
April Meeting Wednesday, April 14, 2021 – Noon Cost: Free for Chamber members; $10 for non-members
APRIL
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APRIL
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State Post-Legislative Meeting Wednesday, April 14, 2021 – 9 a.m. Cost: $20 Please join us for this informative event where our state senators and delegates who represent Calvert County will recap the legislative session and answer questions pertaining to bills and the budget.
For more information on upcoming events or to register, visit the Calvert County Chamber of Commerce at www.calvertchamber.org
health&wellness By Karl A. Smith, DDS, MS
Healthy Teeth & Gums Make Spring Smell Sweeter Periodontal disease, or gum disease, affects more than 50% of adults over the age of 30. Luckily, if it is caught in time, it is possible to stop it from spreading and even reverse the damaging effects. Here are some expert answers to common concerns: Can I do something extra at home to prevent periodontal disease? The best way to prevent periodontal disease is to take good care of your teeth and gums at home. This includes brushing your teeth after every meal and before bedtime, flossing at least once each day, and seeing your dentist or periodontist for regular exams twice a year. Spending a few minutes each day on preventative measures may save you the time and money of
treating periodontal disease in the future.
when you bite; and a change in the fit of partials or dentures.
What are common signs and symptoms of periodontal disease? Periodontal disease is often silent, meaning symptoms – particularly pain – may not appear until an advanced stage of the disease. However, you should still be on the lookout for the signs and symptoms, which include: Red, swollen or tender gums or other pain in your mouth; bleeding while brushing, flossing, or when eating certain foods; gums that are receding or pulling away from the teeth, causing the teeth to look longer than before; loose or separating teeth; pus between your gums and teeth; sores in your mouth; persistent bad breath; a change in the way your teeth fit together
Is periodontal disease contagious? Research has shown that periodontal disease is caused by the inflammatory reaction to bacteria under the gums, so periodontal disease technically may not be contagious. However, the bacteria that cause the inflammatory reaction can be spread through saliva. This means that if one of your family members has periodontal disease, it’s a good idea to avoid contact with their saliva by not sharing eating utensils or toothbrushes. If you notice that your spouse or a family member has the warning signs of a possible periodontal problem (bleeding, red and swollen gums, or bad breath) you may want to suggest that they see the periodontist for an exam. It may help to protect the oral health of everyone in the family.
As bacteria and tartar continue to grow, they can enter your bloodstream and travel throughout your body causing other health problems such as arthritis, heart disease, stroke, and diabetes.
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How is gum disease linked to cardiovascular disease? Research has shown that periodontal disease may increase the risk for developing cardiovascular disease. Both are chronic inflammatory diseases, so researchers believe that inflammation may account for the association between the two. Untreated periodontal disease can increase inflammation in the body in general, which
may increase the risk for development of more severe health complications, including cardiovascular disease. What if I have periodontal disease and don’t seek care? Periodontal disease usually begins very mild. Gums might be red and irritated, or swell. Bad breath or constant bad taste may be a burden on daily life. However, if left untreated, it can lead to a worse condition, and infections can take over. Tartar and bacteria invade deeper into the gum tissue, damaging the underlying bone and detaching gum tissues. You may now experience receding gums, bone damage, and eventually, tooth loss. The effects of periodontitis can spread beyond your oral health. As bacteria and tartar continue to grow, they can enter your bloodstream and travel throughout your body causing other health problems such as arthritis, heart disease, stroke, and diabetes. It is critical to treat periodontal disease before it impacts your overall physical health. If you are unsure whether you are at risk, a visit to a periodontist will help to give you piece of mind. Schedule a periodontal screening today. Dr. Karl Smith 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. He retired from the US Air Force as a Lt. Col, in 1996. Dr. Smith has advanced education in the specialty of Periodontics with additional training in Sedation and Dental Implants. He is consistently voted TOP DENTIST by his peers and listed in several publications including Washingtonian Magazine.
Ma rch/A pril 2021 | SouthernMarylandWoman.com
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—
SWIM & TENNIS
—
GRILL
Outreach Programs: . i nc
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ministrie
• Shelter Outreach • Mission & Ministry Outreach
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Golf&Grill OPEN E TO THIC L B PU
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P mem ool be avail rships a in 20 ble 21!
• Basic Computer Skills Outreach rit
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For the poor will never cease from the land; therefore I command you, saying, You shall open your hand wide to your brother, to your poor and your needy, in your land. DEUTERONOMY 15:11
• Operation Let’s Eat Outreach (meals/non-perishable foodbank) • Shop The Closet Outreach (Men and Women’s Business Attire)
Empact Ministries Incministr
21935 Society Hill Road, Leonardtown, MD 20650 • BretonBayGolf.com
pi
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501C(3) Tax Deductible Donations
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Open to members and Call us today to learn non-members for both more about golf eat-in and our take-out memberships, leagues dining every day. & tournaments.
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For the poor will never cease from the land; therefore I command you, saying, You shall open your hand wide to your brother, to your poor and your needy, in your land. DEUTERONOMY 15:11
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.
finances By Stephanie Taubert
Is a Longer Auto Loan Term Right for You? Lower Monthly Payment One of the most significant benefits of a longer loan term is a lower monthly payment. Since payments are spread out over more months, the monthly payment of a 72-month loan would be significantly less than a 48-month loan. Having to pay less each month can help free up cash flow and give you more flexibility in your monthly budget. However, remember that a longer loan term is a longer commitment, meaning that you’ll be making those lower monthly payments for a longer period of time. You’ll also be paying interest during that time, so finding a low interest rate is ideal. Looking to Refinance? When you refinance, you’re paying off your old loan with a
new loan with new terms. Think of refinancing this way: you’ve already spent time paying down a portion of your auto loan, so the total amount of the new loan will be lower when you refinance. Second, if you have paid down your loan for several years, a lot of negative equity has already been paid off by your hard work. Extending the term could have less impact on increasing negative equity. Combine all of this with a longer term, and you may be on the road to big savings on your monthly payment. To take full advantage of a refinance, be sure to use a financial institution like Cedar Point Federal Credit Union, which consistently offers some of the lowest rates in the area.
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a lower monthly payment can give you more flexibility in your budget and increase your disposable income. Higher Disposable Income When you have a lower monthly payment, you can put the savings towards something else. For instance, perhaps you have high-interest debt that you’d prefer to pay off first. Or maybe you could use a little extra money in your wallet for necessities. Whatever the reason, a lower monthly payment can give you more flexibility in your budget and increase your disposable income. Your Credit Score May Have Improved Your credit score changes over time depending on your credit decisions. Having a good credit score offers certain advantages, such as access to better loan terms and lower interest rates. If your credit score has recently improved, you could receive a much better rate by refinancing
to a longer term. You’ve worked hard to achieve that credit score. Why not take advantage of its perks by refinancing your auto loan? Remember that borrowing money is an important decision, so weigh your options carefully and look for the best financial institution with which to do business. If you decide that a longer loan term is right for you, consider visiting Cedar Point Federal Credit Union to discuss your options and submit an application. Cedar Point consistently offers competitively low rates. Stephanie Taubert Dali is the Marketing Communications Specialist at Cedar Point Federal Credit Union. She has lived in Southern Maryland for most of her life, currently residing in St. Mary’s County. Stephanie is an active member of the Newtowne Players, a nonprofit theatre group in Lexington Park.
Ma rch/A pril 2021 | SouthernMarylandWoman.com
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law By Attorney Laura Curry
Estate Planning for Young Families Many young families put off estate planning because of the belief they are too young and healthy, or simply cannot afford it. But any adult can be taken suddenly by an accident or illness, and this means an estate plan is needed because others are depending on you. Getting married and having your first child is an exciting time, but it also requires some very important decisions to be made. Considering issues such as death and disability may seem far removed, but proactive planning allows you peace of mind. A good estate plan for a young family will include naming someone to administer the estate (a trustee or executor), naming a guardian to care for minor children,
providing instructions for the distribution of your assets, and naming someone to manage the inheritance for the children until they become adults. It will also include reviewing your insurance needs and planning for disability. We have prepared a list of four key decisions you need to think about when planning as a young family. Choose an executor or trustee: Selecting a competent and trusted executor is critical to ensure that your last wishes are carried out. This should also include successors in case the first person named predeceases you or becomes incapacitated. Choose a guardian for your child(ren): This person would
become the legal guardian should both parents die or become incapacitated. You should consult with the person to ensure they would be willing to take on such a huge responsibility and choose someone with all the resources necessary to provide the lifestyle you would want for your child in this situation. Also, you should designate either this person or someone else to manage the inheritance your child receives. To avoid any confusion as to what your children inherit and when, a trust may be a good choice for you. Within a trust you can decide who will manage the money and decide when the children will receive trust assets and for what purposes. Review your life insurance policies: Make sure you have a policy in place that is adequate to cover funeral costs, debts, and replacement of your income. Consider the consequences of becoming disabled: It is pertinent you have a Power of Attorney to cover your financial
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affairs and a Health Care Power of Attorney to deal with your medical and health issues. Review your disability insurance policies to make sure the income replacement is sufficient for your family’s needs. As a young family, you can probably think of a million things you would rather do than tackle the difficult questions that surround estate planning but imagine the alternative – the court making the decisions for you. Once your plan is in place, it is a good idea to review and update on a regular basis and especially when major life events or financial changes occur. Contact the attorneys at Sinclair Prosser Gasior to discuss your estate planning needs today. Laura T. Curry first became interested in estates and trusts when practicing as a family law attorney at the start of her career. It was quickly apparent to Laura that each family had their own dynamics which shaped their goals and desired outcome. The firm’s unique approach to working with clients throughout the years and life stages is what attracted her to this opportunity and formed her role within the firm. Laura graduated law school from the University of Baltimore in 2009 with both a Juris Doctorate and a Master’s Degree in Public Administration. In 2014, she earned her Master of Laws in Taxation, after completing advanced courses in estate planning and tax at the University of Baltimore School of Law. Laura is a current member of the Maryland State Bar Association and Women’s Bar Association. Laura currently lives in Catonsville, Maryland with her husband and daughter. She enjoys spending time with her family and traveling.
making
out of rubbish
I
short YEARS
BY MEGAN JOHNSON
’m long overdue for a good panic clean. You know the kind: the we-can’t-let-peopleknow-we-live-like-this clean, which typically precedes hosting a big holiday meal or putting your house on the market. The sort of mayhem that has you wiping down the front of your dishwasher and hoisting toys by the armload into trash bags. The panicky feeling that makes moms threaten to pitch out every LEGO if a single brick is pulled out again before Grandma comes for turkey. I rely upon this pressure to keep our household in order. With the pandemic eliminating most gatherings, my husband, kids and I have just… run amok. Even daily Zoom calls with my son’s kindergarten team aren’t enough to scare us straight.
This came to a head as the coronavirus finally invaded our bubble in mid-January. As two of the four family members we’ve socialized with since last March tested positive, our crew was suddenly home together 24/7. Thankfully, after two weeks in quarantine, we tested negative. Our family members recovered with only mild symptoms. What has not quite recovered? Our house. Never have we spent so much time together — and so much time trying to entertain two children within the everclosing walls of our home. There isn’t a puzzle that wasn’t dumped out or a stack of books we didn’t knock over. And beyond the run-of-the-mill cleaning that never
THE
“Maybe I’ll miss the random Hershey Kiss wrappers stashed like tiny treasures in my dresser drawers.”
ends, I feel weighed down by nagging long-term projects as well. Spencer and I bought our house, a long-empty foreclosure, in 2014. I’ve often thought I officially depleted the last of my energy in that clean-up effort. Soon, I was pregnant and already exhausted, and any hope I had of getting organized seemed to end with our son Oliver’s early arrival the next spring. Hadley was born two years later. Let’s just say “disarray” is a theme around here. We’re just now clawing our way out of the all-hours circus of new parenthood. So when COVID-19 upended our daily lives, we joined many others in channeling our anxiety into finally cleaning up at home. If I lash out about anything, it’s probably the mess (and the bickering, but that’s another issue). Though at some point during the pandemic, I finally accepted that I need to temper my expectations. We’re home all the time. All the time! And no matter how much we may talk about “the new normal,” this is still not normal. We all need grace... especially from ourselves. Someday I’ll be able to turn the Johnson residence into a museum, if I
feel like it — complete with fresh flowers on a scuff- and a ring-free coffee table. Maybe I’ll miss the random Hershey Kiss wrappers stashed like tiny treasures in my dresser drawers. Or maybe Spence and I will joyfully downsize, choosing minimalist decor for our new all-white kitchen with contented hearts. There’s just no way to know. In the meantime? I’ve taken to following my kindergartener and preschooler around with a trash bag. It’s just easier to collect the empty yogurt pouches in real time, you know? And I can still treat myself to fresh flowers… even if they’re plopped alongside the kids’ cache of art supplies, including an ever-present rainbow of uncapped markers. They’re colorful, at least. Pretty. Ah, the little things. Megan Johnson has never met a cupcake she didn’t like. Author of the long-running “Right, Meg?” column in Southern Maryland Newspapers, she is a 30-something coffee drinker, voracious reader, and editor-turned-communications professional. Megan lives with her husband and two children in Charles County. Follow her on Instagram at @writemeg.
Ma rch/A pril 2021 | SouthernMarylandWoman.com
17
finances By Carlisa Kent
4 Ways to Improve Your Debt-to-Income Ratio What is debt-to-income ratio and why is this important? Some people find themselves asking this question too late. Debt-to-Income Ratio, also known as DTI, is a measure of how much debt you have compared to your income. According to consumerfinance.gov, your DTI is one way lenders measure your ability to manage the payments you make every month to repay the money you have borrowed. To calculate your DTI ratio, simply divide your total recurring monthly debt by your gross monthly income (money you earn before taxes and deductions). Easy enough, right? Well, there are two types of debt-to-income ratios: front-end and back-end.
Front-end ratio (also known as mortgage-to-income ratio) is a ratio that indicates what portion of a person’s income is allocated to housing costs, including mortgage payments, HOA payments, insurance, and more. Back-end ratio, on the other hand, indicates what portion of a person’s monthly income goes towards paying all monthly expenses. This combines the mortgage, utilities, credit cards, child support, and any loan payments. So, what is considered a good DTI ratio? Some loan products like qualified mortgages require mortgage lenders to make sure consumers have the ability to repay a loan by having a DTI ratio of 43% or lower. However, different lenders and loan products have different ratio
Contact Me Today to Change Your Tomorrow Carlisa Kent | 240-528-1743 linktr.ee/Carlisacares Zoom Appointments Available
requirements. A front-end ratio of 28% or below is usually pretty good, while a back-end ratio of under 36% is even better.
How to Improve Your Debt-to-Income Ratio: Decrease your total debt: Make your loan payments and credit card payments on time and try paying a little extra on them to lower your balance faster.
1
Keep your debt to a minimum: When trying to improve your DTI ratio, avoid making larger purchases or taking on new loans during this time. New loans can sometimes increase your DTI ratio and even hurt your credit score.
2
Increase your income: Easier said than done, but if you increase the amount of money you bring in on a monthly basis without increasing your expenses, you can immensely improve your DTI ratio. So, get out there and find that part-time job, or better yet, push your side hustle!
3
• 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
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Create a monthly budget: This helps to calculate your income and expenses.
4
Be sure to include all your expenses, no matter the size (yes, even that $10 Spotify subscription charge). Organize your debt in a snowball fashion – from smallest to largest – and attack them systematically until they are paid off. A financial coach during this time will increase your accountability. Remember, you did not get into debt overnight and it is a process to become debt-free. And most importantly, you are not alone! Contact me today and set up a time to go over your plan and how to best execute it. The best plans are the ones we put into motion. My calendar link can be found at https://linktr.ee/Carlisacares. Carlisa Kent Ramsey Financial Coach. Helping Individual’s conquer their finances in a smart and sustainable way. Graduate of Trinity College, Washington DC. Mother of four. I have lived through a financial crisis and learned to save for my future before a crisis hit.
health&wellness By Kyle Webber
The Intersection of Chess and Self Defense When teaching women’s self-defense classes, I like to point out that there are several similarities between chess and self-defense. Self-defense, I would argue, has all the complexities of chess, and then some. Both require a degree of skill, discipline, and subtlety – you are pitting yourself against an adversary. There are consequences to every decision. Defeating your opponent quickly and with as little sacrifice as possible is essential. It is a common misconception to believe there is a simple, stepby-step approach to winning fights. That assumption relies on a narrow, linear view of fighting. The truth is much more complex. For every move you make in a fight, your opponent,
conversely, has an equal or greater number of responses which you must be prepared to confront and counter. There is no secret technique you can learn to become a lethal weapon in a single onehour class. The few techniques that could be gleaned in such a short time would give one only the smallest advantage if attacked. To truly be prepared requires more comprehensive training and practice. Considering all this, Black Belt Academy of Prince Frederick is offering an 8-part self-defense series beginning March 22. These lessons are designed to be a crash course for women and will cover several areas: everything from the basics of striking and
grappling to being assertive and using improvised weapons will be taught and practiced. In the same way that you cannot expect someone to become a chess master in eight lessons, I do not expect to make anyone into a self-defense expert with this program. Rather, it is my intention to familiarize participants with the techniques and strategy of selfdefense, which offers a fighting chance to escape an attacker. With that in mind, here are a few tips to get you started: The best defense is to avoid fighting, or scenarios where you think you will have to fight. Be aware of your surroundings and maintain what is known as situational awareness. Do not be distracted talking on your phone, especially while walking alone down a street or in parking lots/garages. If you carry mace or pepper spray, go outdoors to an open area where you can practice pulling it out of your purse/ pocket and spraying it. If you really have to use it in an emergency, you are going to be nervous, which tends to cause accidents. Practice will help prevent that. Also, if you carry a taser, check the batteries regularly.
You should practice yelling for help. Over the years, I have met several people who describe not being able to so much as call out for help when they were attacked because they were panicking. Practice what you are going to say. For more information about the upcoming class, please call Black Belt Academy of Prince Frederick at 410-414-7530. These classes are open to the public and you do not have to be a member of BBA/PF to attend. Master Kyle Webber is began martial arts training under Master Kyu Shim at age 12. He developed an affinity for the Olympic sport of Taekwondo and achieved his first-degree black belt within three years. By 2005, Kyle had progressed to owning Black Belt Academy of Prince Frederick and in 2010 achieved the rank of Master Instructor (4th degree Black Belt). Kyle graduated from Great Mills High School in 2004 and obtained a degree in General Studies from College of Southern Maryland. He now lives happily in Lusby with his wife, Catherine and their six children.
Ma rch/A pril 2021 | SouthernMarylandWoman.com
19
Unlocking Empathy, Leadership, and Grace: How
Tracie Daniels is Optimizing Human Capital
Q&A PHOTO BY BETH GRAEME PHOTOGRAPHY
Southern Maryland Woman sat down with Tracie Daniels, the founder of Synergy Consulting – a training and development firm – to learn about who she is and how she became so passionate about leveraging the best in all of us to improve teamwork, awareness, and business outcomes. Please share a little about yourself with our readers:
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with Founder of Synergy Consulting
I was born in Washington, D.C. and grew up in Prince Georges County. I was raised by a single mother who worked at the same employer for 35 years until she retired. My mother worked the night shift, so my siblings and I were also raised by our maternal grandmother who watched us frequently. Unlike my brother and sister, when I started middle school, I was bused to the then white community of Bowie, Maryland for the purposes of integrating the county school system. That first year of middle school was the toughest in that we – black kids – were forced to go to a school, where quite frankly, we were not wanted.
Q&A with Tracie Daniels How did your school experience impact who you are?
Where did you go from there? I moved on to attend college at the University of Maryland, College Park where I majored in Psychology. I was the first person in my family to go to college and I worked part-time for the federal government during college as a training coordinator. This was my first experience with training and development, which led me to seek out roles in organizational development and training across multiple industries: financial services, non-profit, legal services, and telecommunications. My most memorable and impactful role to date was leading the education and awareness initiative for President Obama’s Making Home Affordable (MHA) program to address the housing crisis of 2008. Through this, I was able to clearly understand the disproportionate impact the housing crisis had on people of color. All of these experiences would provide context and purpose for my future efforts as a consultant.
I was met with multiple challenges throughout middle and high school working through desegregation. But through that experience of integration, I learned the necessary intentionality of diversity. I discovered the importance of having multiple voices represented in any room. I also learned the reality of the old saying that there is no progress without struggle. I graduated from Bowie High School with honors in not just academics, but also in understanding how to adapt to different cultures.
“When you are dealing in business, you are dealing with humans. Yes, there are other elements such as technology, products, machinery, and equipment – but humans program the technology, design the products, operate the machinery, and use the equipment. The ultimate business resource is the human resource.”
How about personally? While establishing my career, I was also growing my family. I married my husband in 2000 and moved to Southern Maryland, where I currently reside. I am raising three children in Southern Maryland and although their experiences within the school system are different than mine, there are some stark similarities. The demographics have changed in our area and the emphasis on diversity, equity, and inclusion within all of our systems is critical. PHOTO BY BETH GRAEME PHOTOGRAPHY
Tell us, why did you begin your own consulting firm? I started my firm because I recognized a need to support smaller organizations and companies with their human resources and organizational development needs. The HR staff at smaller organizations focus mainly on the day-to-day tactical operations, such as payroll, hiring/ staffing, terminations, etc. As consultants, we bring expertise and support to help them implement the strategic organizational development initiatives using more cost-effective measures, instead of hiring permanent staff. Consultants also bring the outside-in view of the organization that cannot exist internally. I wanted to be that partner, so I started Synergy Consulting.
Where did this interest develop? I discovered my true passion – helping people through education and support – around 10 years ago while working on President Obama’s MHA program, as I mentioned. But it all started while majoring in psychology – I fell in love with the process of helping people learn and develop. I was also really good at connecting the dots for people. I went to graduate school for counseling and during my master’s studies, I worked as a therapist with TriCounty Youth Services Bureau (TCYSB) in Waldorf. Here, I provided counseling services to children and families and developed and led group counseling programs on social skills and victim awareness. I absolutely loved that experience, and the work was perfectly aligned with my passion. I continued working in training and development full time after graduation, and the rest is history. Ma rch/A pril 2021 | SouthernMarylandWoman.com
21
Q&A with Tracie Daniels
PHOTO BY BETH GRAEME PHOTOGRAPHY
What motivates you each day? I am motivated by the need to have an impact on the world. One of the reasons I started Synergy Consulting was to create the opportunity to work with several different companies to change the way they work for optimal effectiveness. I did not want to be dedicated to one company. Working with multiple companies, for me, allows for a greater impact. Our company tag line is, “Focused on your company’s purpose, structure and people!” This statement says a great deal about how we can have the highest impact: Purpose – helping your company do what they were meant to do, but better; Structure – making sure your company’s structure is designed to fulfill the mission; and People – ensuring strategies are in place to motivate, engage, value, develop, and empower employees to realize their potential. If all these areas are synergized, then the company is primed for optimal effectiveness and we want to be the partner to help them along that journey.
Tracie’s grandmother (who passed away in 2020) is in spirit her biggest fan.
Through this pandemic, we have all been at home and my children get to see first-hand what I do.
Who are your greatest influences? I have always had a great support system in place from my family. A big part of that system, my grandmother, passed away in 2020. She lived to be 94 and had a full life. I lived with her throughout my college years and that is when her influence started. For the rest of her life, she was my biggest fan. When I told her that I started my own company, she was so elated and proud. I realize that although she is not physically here with me anymore, she will always remain with me in spirit and continue to be my biggest fan. My children are also an incredible source of motivation for me too. Through this pandemic, we have all been at home and they get to see first-hand what I do. They ask me about my meetings, my clients, my training classes and are very interested to learn about my work. I had my children attend a virtual awards and fundraising ceremony for an organization that I support, New Endeavors by Women, which helps homeless women in Washington, D.C. through a variety of programs: housing, training, life skills, and more. I thought it was important for my children to see and understand the need to help those who are less fortunate than ourselves. After the program ended, I asked my son how much he would donate to this organization if he could and we submitted a donation in that amount. The smile on his face was unforgettable and helped me to realize that I can also influence my children to be impactful in this world through my work.
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How have the events of this past year impacted your consulting work around diversity, equity, and inclusion (DEI)? Prior to the summer of 2020 and the murder of George Floyd that we all witnessed, organizations were interested in talking about diversity, equity, and inclusion. However, it was not necessarily a priority or what they considered as part of their strategy, but leaders were open to the conversation. After that horrific event, the interest in DEI quickly shifted to necessity. Leaders were looking for help, support, and direction. They felt an obligation to the greater good of civil rights to make a change within their organizations. Hiding behind unawareness or competing priorities was no longer an option. Leaders felt they had to face the issues of inequity, marginalization, and perpetuation of the ideals of the dominant culture that have been practiced for decades and they looked to us to help map out a strategy for change. We do not take this role lightly, in fact, we are incredibly diligent and thoughtful in our DEI consulting efforts. We want to ensure the organization has a clear “why” for DEI. The why is different for every organization. Some want to focus on DEI because they see it as the right thing to do, while others want their workforce to reflect the communities they serve. Once we understand an organization’s “why” for DEI, we are then able to help them shape the answers to “what we need to do” and “how do we get there?”
One of the items you offer is training on emotional intelligence. How does this concept impact business? Many people do not realize the importance of emotional intelligence in every facet of business. In general, when you are dealing in business, you are dealing with humans. Yes, there are other elements such as technology, products, machinery, and equipment – but humans program the technology, design the products, operate the machinery, and use the equipment. The ultimate business resource is the human resource. Emotional intelligence is about being aware of one’s own emotions and knowing how to manage them, as well as being aware of the emotions of others and helping them to manage their own emotions. Businesses are made up of people who think, feel, and behave and these actions are tied to emotions. Lack of emotional intelligence can result in poor business practices, low morale, and low productivity. Conversely, high emotional intelligence can foster inclusive, productive, and efficient work environments. The great thing about emotional intelligence is that it can be developed over time, so everyone has the opportunity to achieve high emotional intelligence.
If you could give one piece of advice to future leaders, what would it be? Be willing to step outside of your comfort zone to achieve success. When I started my firm, I had all sorts of ideas about who would be willing to help me get my foot in the door. I realized very quickly that if things were going to happen for my firm, I had to make them happen – not anyone else. This experience forced me to step out of what was comfortable, easy, and familiar. That meant I had to do things that I either did not like doing or learn how to do things that I did not know how to do. For example, to gain business I had to “sell” myself and my firm. I hated the idea of cold calling or walking up to people at a networking event to “sell” my business. I had tried selling products like Avon in the past and could not get comfortable with selling. However, I realized if my consulting business was going to be successful, I had to gain clients. This means I had to do the uncomfortable things. Once I got over the challenge of so many rejections, I developed a mindset that my next client was just an ask away, so I had to keep asking. Soon after, I started to gain more clients. I had to learn to do the uncomfortable things to be successful.
Where do you see your business heading in the future?
I am looking forward to the future growth of the firm so that we have a strong client base and are known as making a significant impact in our own way. I want to stay with my niche market of businesses with fewer than 800 employees and focus on developing lasting, personal relationships with our clients. I want Synergy to be their forever partner they call, like a trusted friend. I also see Synergy doing more work within the community and providing support in our own backyard. I was recently given the privilege of organizing and implementing Charles County Chamber’s first Diversity, Equity, and Inclusion Committee. The committee’s focus is to raise awareness of the Chamber in the minority business community as well as provide educational tools and resources to the Chamber leadership and members. The demographics of Charles County have changed drastically throughout the past 10 years. The DEI Committee is necessary to ensure representation, equity, and inclusion in both the Chamber and how they can support the community at large.
Q&A with Tracie Daniels “Be willing to step outside of your comfort zone to achieve success. I realized very quickly that if things were going to happen for my firm, I had to make them happen.” Tell us about how you have helped a company implement organizational changes for the better? We were working with a client on a DEI consulting contract. They had completed some diversity work through establishing employee resource groups (ERGs) but wanted a stronger foundation. Our firm administered an organizational DEI assessment and conducted diversity awareness training. The results of their assessment identified some critical areas that required improvement, so we worked with them to develop a plan to address those concerns. Many employees provided feedback after completing our training that they felt a greater sense of awareness and understanding of how their unconscious biases impacted their behavior and interaction with other employees. As such, they were able to demonstrate empathy towards the experience of employees from underrepresented groups and became personally committed to changing their culture. For example, during their annual conference, an employee experienced an interaction with a vendor that made the employee feel excluded and marginalized. She told her co-workers about her experience and they collectively reported the incident to human resources and demanded that the organization respond in a way to support the employee and reprimand the vendor for their behavior. When they shared this story with us, we were so thrilled to learn how the employees took a collective responsibility in demonstrating zero tolerance for discriminatory behavior. So far, we have not had an unsuccessful client engagement. We work collaboratively with each company and treat them as partners!
Get Started with Synergy Consulting Today Helping with human capital throughout Maryland, Virginia and Washington, D.C. Website: https://synergyconsults.com Email: info@synergyconsults.com Phone: 1-800-706-1160
Ma rch/A pril 2021 | SouthernMarylandWoman.com
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Wildberry Farm + Market is open seasonally March – December
Bridget Jones
1047 Saint Stephens Church Rd Crownsville MD 21032 Online ordering available: wildberryfarmmarket.com
wildberryfarmmarket @wildberryfarmmarket Founder of Wildberry Farm + Market, Bridget Jones is a wife, mom, “farmher,” entrepreneur, creative, community builder, and lover of all things plants and farm animals! ON YOUR PASSION About 10 years ago, I married into a farming family. Living on multigenerational land is a very special thing. Our number one goal has been to take care of the farm to then pass it to the next generation. So, in 2019, when our farmer sadly passed away, and our youngest was going into kindergarten, it felt like time for a change. I had always wanted to take over farming operations, and this seemed like the perfect opportunity to see what potential the farm has in regard to agritourism. ON YOUR MOTIVATION While it was partly situational, we are a spiritual family and it had always been on my heart to do something with the farm on a community level. My family encouraged us to explore agritourism. Now, our farm can host large events, workshops, farm to table meals, tours, and anything else related to our agriculture. We are able to combine our love for agriculture, sustaining farmland, and “knowing where your food comes from” with people and our local community!
Our farm can host large events, workshops, farm to table meals, tours, and anything else related to our agriculture.” ON BEING A SMALL BUSINESS OWNER We come from a long line of entrepreneurs, and with every small business there are struggles, but there are also amazing successes, which is what keeps us going. One of the best things to come out of Wildberry is the amazing community who really encouraged us this past year to keep going even when things were scary with the pandemic. We had so many people coming up to us at our markets, sending emails, or commenting on our social media that we are providing exactly what our community needs right now, and that is why we do this! ON LESSONS LEARNED Don’t forget to take time to dream. There will be times when things are so busy you barely have time to take care of yourself, but during those coveted “down times,” find the time to dream. Also try and find like-
minded women entrepreneurs of all levels to confide in and learn from – these ladies will become your rock when you need it, your hype-women, and your greatest support base... the same as you will become for them. ON WHAT’S NEXT We are expanding our in-house workshops, which vary from flower arranging to wreath making. We are also kicking off our Farm to Table Series this year with dates in both the summer and fall. These meals will be completely made with food grown at Wildberry Farm + Market. Additionally, we expanded our Field Market to run every other Saturday June through November. The Field Market features our farm-fresh produce and rainbow eggs, as well as hosts various other local small businesses and vendors such as food trucks, flower trucks, and local makers/creators/artisans.
Ma rch/A pril 2021 | SouthernMarylandWoman.com
25
home care By Gene Wright
Termite Tips
for The Savvy Southern Maryland Homeowner Termites are always unwelcome guests. These pests damage close to 600,000 homes in the U.S every year, and the U.S. Department of Agriculture estimates that homeowners spend more than $1 billion a year on termite extermination and repairs. Unfortunately, our Southern Maryland ecosystem of forests, swamps, farmland, and creek bottoms is a perfect paradise for termites. Because of this, termites pose a serious problem for Southern Maryland homeowners, but what can you do about it? From early warning signs to termite damage, here is a quick break down everything you need to know about termites.
How to Identify Termites In the U.S. there are three species of termites: Subterranean, Formosan, and Drywood. These termites vary in behavior and geographical region. So far, we only have one termite species in Southern Maryland, the eastern subterranean termite. One of the things you need to know about this termite is how to identify it. The most commonly seen subterranean termite is the swarmer, winged reproductives that emerge by the thousands in the springtime. It is common to mistake these termite swarmers for flying ants. However, termites have very distinct features. Termite
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swarmers have wings that are equal in length and a straight antennae and abdomen. They are also roughly ¼ to ½ an inch long. The worker termites are the ones that cause the damage. Sometimes they are seen under moist mulch and look like a maggot with legs. Worker subterranean termites will dehydrate and die quickly once exposed to air. Therefore, they are seldom seen and are less easily spotted.
Where Do Termites in Southern Maryland Live? The eastern subterranean termite lives underground and thrives in damp soil. They are social insects that live in large colonies. The workers are constantly foraging for wood and wood products, which contains cellulose, their food. These termites gain access to your home from the ground up. They often enter from directly under the house, making them extremely hard to detect. Keep in mind, a subterranean termite only needs a crack the thickness of a piece of paper to penetrate concrete. Even homes with poured concrete foundations are not safe from these intruders.
Getting Rid of Termites Depending on the type of termite infestation and the size of the colony, some termite infestations can be difficult to remove. In some cases, termites might be living in a nearby property and still infest your house. Once termites have found a source of food, they will keep returning there for more. If your infestation is small and localized, you might
be able to contain it with a DIY termite control solution, but professional exterminators offer the most effective termite control solutions. If your property is infested and you are not sure where to start, your best bet is to team up with professionals!
How to prevent termite infestations in the future: • Minimize wood-to-soil contact in sheds, fence posts, and other wooden structures. • Store firewood away from your house. • Make sure all areas around your home’s foundation are properly drained. • Minimize the use of sprinkler systems. • Remove tree stumps along with their root systems. • Remove decaying mulch. Gene Wright is the president of Planet Friendly Pest Control, a locally owned and operated pest exterminator company focused on providing their clients with the very best in pest control, rodent extermination and termite control, while reducing the overall impact on the environment.
”Wherever life plants you,
“Orchard Girl” by SABRINA CABADA Contemporary Artist Arlington, Virginia View her portfolio online at www.sabrinacabada.com
bloom with
grace.” - French Proverb
Celebrate
Women’s History Month
with these 10 Good Reads “Fierce Poise” by Alexander Nemerov Alexander Nemerov’s brilliant new biography of the pivotal abstract expressionist painter Helen Frankenthaler includes 29 gorgeous illustrations of some of Frankenthaler’s most famous works like Jacob’s Ladder, Eden, and Mountains and Seas as well as personal photos of Frankenthaler in her NYC studio, her social life with fellow artists like Jackson Pollock, and photos of the Frankenthaler family. Vulture recently said of in their spring preview, “Moody and textured, Fierce Poise celebrates, and mimics, Frankenthaler’s sweetly explosive paintings.” Vogue magazine called Fierce Poise “neither conventional biography nor arm’s-length critical appraisal, Alexander Nemerov’s Fierce Poise shines a light on Helen Frankenthaler’s early artistic breakthrough by blending both forms… A thrillingly alive account of a woman unapologetically pursuing her own vision in an era and a milieu largely defined by men.”
“New Women in the Old West: From Settlers to Suffragists, an Untold American Story” by Winifred Gallagher Coming Summer 2021 A riveting history of the American West told for the first time through the pioneering women who used the challenges of migration and settlement as opportunities to advocate for their rights and transformed the country in the process.
“Tangled Up in Blue: Policing in the American City” by Rosa Brooks Journalist and Georgetown University law professor Rosa Brooks goes beyond the “blue wall of silence” in this radical inside examination of American policing during her time as a sworn, armed reserve police officer with the Washington, DC, Metropolitan Police Department.
Editors’ Picks “American Dirt” by Jeannie Cummins “The Vanishing Half” by Brit Bennett
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“The Daughters of Kobani: A Story of Rebellion, Courage, and Justice” by Gayle Tzemach Lemmon The extraordinary story of the Syrian women of the Kurdish militia who took on the Islamic State (ISIS) and won (soon to be a TV series produced by Hillary and Chelsea Clinton!)
Content courtesy of Penguin Random House
“You are a Badass” by Jen Sincero “Hidden Figures” by Margot Lee Shetterly
“I am Malala” by Christina Lamb and Malala Yousafzai “Becoming” by Michelle Obama
sp rin gt im e
family fun
in
southern maryland
BY MEGAN ALLEN
As the weather gets warmer and the days get longer, it is the perfect time to get out and explore our area. Southern Maryland has something for everyone; from the rich history of the first Maryland colonists to the beautiful beaches at North Beach, with plenty of opportunity to explore in-between. Macaroni Kid Calvert - St. Mary’s always has tons of ideas for family fun. Read on for some local outings we think you and your loved ones will enjoy this spring!
1. Macaroni Kid Calvert - St. Mary’s is a free weekly newsletter and website that focuses on fun family events and information in both Calvert and St. Mary’s County, Maryland. Visit us on Facebook @macaronikidcalvert and online at calvert.macaronikid.com to subscribe to our newsletter and to see events happening in our area.
Brush up on your Maryland state history with a trip to St. Clement’s Island Museum, located in Coltons Point. This is a great spot to bring the family to learn about Maryland’s early history dating back to 1634. Find out about the colonial arrival at St. Clement’s Island in the museum and discover a 19th century schoolhouse located on the property. Starting in March (weather permitting), you can also take the water taxi over to St. Clement’s Island to discover the Blackistone Lighthouse. Be sure to mark your calendar for Maryland Day held on March 25, which celebrates the founding of our state. The museum is open daily from 12 p.m. to 4 p.m. For more information, visit their Facebook page @SCIMuseum or call 301-769-2222.
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In person story times might be on hold for now at county libraries, but that doesn’t mean your little one has to miss out on all the library activities. Calvert and St. Mary’s County Libraries are offering virtual story times and events for kids of all ages online. Visit their websites for a list of events or to reserve your favorite new book today: calvertlibrary.info & stmalib.org.
Looking for more Maryland historical locations? Don’t miss an opportunity to visit Piney Point Lighthouse, Museum & Historic Park; the Drayden African American Schoolhouse; the Old Jail Museum; Chesapeake Beach Railway Museum; or Jefferson Patterson Park and Museum.
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Annmarie Sculpture Garden and Arts Center is another local family favorite. This lovely spot is located in Solomons and offers a quarter mile walking path through the woods. My kids love playing in the Fairy Lolly Creative Play Space and being on the lookout for new sculptures or paintings in the woods. Annmarie Sculpture Garden and Arts Center is offering outdoor family classes and activities, which are a great way to explore the Garden and try something new together. Be sure to mark your calendar for the Fairy and Gnome Home Festival held on April 18 and keep a lookout for our Macaroni Kid Fairy house! To learn more, visit their website at annmariegarden.org or call 410-326-4640.
Please note that with the ever-changing circumstances of COVID-19, be sure to verify that the listed locations are open before you head out the door.
Ma rch/A pril 2021 | SouthernMarylandWoman.com
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How Southern Maryland is
Going Green By Emma Slyker
If you are a Southern Maryland resident, you know how beautiful it is down here — from the coastal areas to wetlands and forests, we have a little bit of everything. Protecting these precious lands is part of the Sierra Club’s mission. Check out the top five ways our environmental organization is actively supporting Southern Maryland in its planet-friendly goals.
Giving People a Reason to Care: We think it’s crucial to help folks see the environment just like we do: as a place that is beautiful, full of wonder, and worthy of our protection. Come explore Sierra Club’s activism events and activities in your county — or your own backyard!
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If you are feeling inspired, reach out to us! Learn about coal, zero waste, and more at SierraClub.org/Maryland. Help us take action to support our environmental initiatives, from political lobbying to just getting outside.
Leaving Coal in the Dust: Moving away from coal and onto cleaner, more renewable energy sources is crucial for clean air and stopping climate change in its tracks. Southern Maryland is making progress – a 50-year-old coal plant in Charles County has promised to stop burning by 2027.
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Watching Our Waste: Maryland has recently banned foam food containers. Single-use materials like foam and plastic tend to end up in the bay, harming our wildlife. If we want to keep our bay clean, we need to keep our trash away and in the landfill. Small substitutes can really add up — remember those reusable bags at the grocery store! The World is Our Oyster: The oyster is our bay’s natural filtration system. That is why oyster restoration has been so successful in improving the health of the Chesapeake Bay. With plenty of oysters, a diverse group of species can call the bay their home – and we can enjoy it, too.
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Feed Your Body and the Planet: According to Forbes, the average household wastes $1,866 of food per year — food going directly into landfills. Meal-prepping can help reduce the food waste you produce, and composting can turn scraps into nutrientrich soil! Rid Yourself of Poisonous Plastic: The sad truth is that plastic ends up in our bay — and sometimes in the animals we love so much. There are so many ways to reduce plastic waste. Simply remembering to use your reusable bags, coffee mug, and water bottle can make a huge difference. If you have a little one, you can also experiment with cloth diapers. There are even bamboo and wooden toothbrushes available now!
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Reining in our Runoff: Oysters can’t do all the work. For clean streams, rivers, bays, and oceans, we need laws that stop the dumping of harmful chemicals. Maryland has lots of runoff and water pollution laws already, but we can do better.
3 Easy Ways Southern Maryland Women Can Help Save the Earth
EARTH DAY IS APRIL 22
Be Loud: Your voice matters. The best way to make lasting change is to speak up and have an influence on your community and local politics. You might even help pass a law! A quick phone call or email can let your legislators know you care. If you need an update on local politics, try checking out one of the many Maryland political blogs. And of course, don’t forget to vote!
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impossible to subdue or defeat. “a woman of indomitable spirit”
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