Women in Business 2019

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WOMEN in

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A SPECIAL SECTION OF THE PRESS ARGUS-COURIER SATURDAY, OCTOBER 26, 2019


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Medlock dedicates herself to teaching others Angie Medlock is a businesswoman, an instructor, and a member of the ATUOzark faculty. Born in Illinois, Angela moved to Crawford County when she was in her early teens. She graduated from Alma High School and pursued higher education at the University of the Ozarks in Business Administration and Business Education. For the past 37 years, she has dedicated her life to teaching Business. After spending 20 years as a Business teacher and FBLA leader at Alma High School and Mulberry High School, she joined the ATU-Ozark faculty as one of three full-time business instructors. She has been at ATU-Ozark for 17 years. She currently teaches accounting, spreadsheets, desktop publishing, word processing, business law, and advanced word processing. The Business department offers all courses in an on-campus setting and online. “We have many non-traditional students who work full time, so we offer all of our classes online to allow them the freedom to pursue a degree. We also have students who are traditional, coming straight from high school who would rather be in a physical classroom. At ATU-Ozark, we want to offer options for all of our students.” She continued, “Our business

technology students are just wonderful. I enjoy every day I spend with them. Many of our students are the first in their family to go to college. Our programs empower them to get their degree and then have the opportunity to enter the workforce in a more advanced, betterpaying job.” Angie also works with students in multiple community projects, including two blood drives a year on the ATUCampus, the adopt a highway program, and the Dr. Seuss Read Across America program. She has also served the Ozark campus as a member of many committees. In addition to preparing the next generation of business professionals, Angie is also involved with her community at multiple levels. Her husband, Mike Medlock, is a circuit judge in Crawford County. Her son, Jered, works as a partner at the law firm, Medlock and Gramlich, LLP in Fort Smith. Her daughter Jessica works in administration at Baptist Health, and her other daughter Jill works at the new medical school in Fort Smith. Outside of teaching and serving her community, Angie enjoys playing tennis with her friends and family. “I am very family-oriented and enjoy spending free time with them. The students, faculty, and staff at ATU-Ozark are my family as well.”

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High-paying professions for women Much of the talk centered on women in the workforce concerns the disparity between earnings when compared against men in the same positions. The U.S. Bureau of Labor Statistics indicates that the earnings difference between women and men varies with age, with younger women in the country more closely approaching pay equity than older women. Still, Pew Research Center says the female median annual earnings is around 83 percent of what men earn in the United States. The gender pay gap exists to some extent in every country in the world. Statistics Canada points out that women between the ages of 25 and 54 earned 87 cents an hour for every dollar made by men in 2015. Business Insider UK says Iceland, Finland and Norway boast relatively small pay gaps between the genders. Even though a gender wage gap may exist, women can still pursue careers that are known to be wellpaying. The following are some of the top-earning positions women (and men) can consider, courtesy of Forbes, Monster.com

While gender pay gaps may still exist, women can earn high salaries in an array of professions.

and the U.S. Bureau of Labor Statistics. • Obstetrician / Gynecologist: Many wo m e n fe e l m o re comfortable being examined or discussing female issues with female doctors. This may account for the higher percentage of female OB/GYNs in practice. The job can be very rewarding because it enables one to care for women at various stages in life.

The median annual salary for OB/GYNs is $207,000. • Chief executive: It’s a large responsibility overseeing an entire company or division, but that’s what chief executives do on a daily basis. Approximate median annual earnings are $97,552. • Pharmacist: Pharmacists manage the distribution of medications, but they also

consult patients on medication use and administer some immunizations. Some p h a r m a c i s t s wo rk in drug or grocery s to re s , wh i l e o t h ers are employed in clinical settings. The median annual salary for pharmacists is $95,628. • Optometrist: Responsible for the examination and care of their patients’ eyes, optometrists also de-

termine prescriptions for glasses and contacts. Optometrists earn a median annual salary of $102,000. • Attorney: Lawyers are consumers’ advocate and help explain the often confusing nuances of the law. Attorneys may specialize in different areas, such as corporate law or family law. Attorney salaries vary depending on the specialty lawyers choose,

but law can be a very lucrative field. • Co m p u t e r a n d Information System Manager: These workers are also known as Information Technology (IT) Managers. They coordinate and implement companywide IT efforts, including networking, database development and trouble-shooting. IT managers earn median annual salaries of $87,400.


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n Hearing Better Means Living Better Center for Hearing, Ltd. is the area’s first and only private practice audiology clinic. Kelley Machan-Linton and Kelly Spradlin-Johnston founded the practice in May of 1998.

Unfortunately, Kelly Johnston lost her battle with cancer in 2009. We remember her with fondness and miss her everyday. Her patients loved her and often share memories of what a truly kind person she was. Dr. Kelley Linton is now the sole owner of the clinic and she employs two other doctors of audiology; Dr. Trace Cash and Dr. Lori Boyd. Dr. Linton and Dr. Boyd know the challenges of being working mothers and balancing their careers while raising their families.

Both doctors love being audiologists. Helping people hear better and improve their relationships is very gratifying work. There are six other exceptional women who make up the support staff and are always available to take care of the patients needs.

Dr. Linton is a lifetime resident of Crawford County. She and her husband Kevin have felt privileged to raise their children in the same community where they grew up. She is also a Lieutenant Colonel in the Army Reserves and is assigned to Public Health Command, Aberdeen Proving Ground, Md. She is typically committed to 6-8 weeks of military duty a year, focusing on military noise management and hearing preserva-

tion of soldiers. In 2011, Dr. Linton started Center for Industrial Audiometrics, helping industries in the River Valley area comply with OSHA regulations by helping them preserve the hearing of their workers. Dr. Lori Boyd is also a lifetime resident of the River Valley area. She started practicing in this area in 1998 and Center for Hearing was very blessed when she joined their team in 2011, as she is an outstanding hearing health provider and has helped many patients in this area. She is married to Dr. Justin Boyd who is a pharmacist and a State Representative. They have three daughters and are very active in their parish, St. Boniface.

Dr. Kelley Linton and Dr. Lori Boyd are lifetime residents of the River Valley area and are committed to helping people hear better and improve their quality of life. Hearing aids are the most typical way they treat hearing loss that’s due to nerve damage. There is a real art to successfully fitting hearing aids and both doctors are highly skilled in this area. For more information about the audiologists and the clinic, please visit centerforhearing.net.


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Create your own plan for self-care by MELISSA ERICKSON SPECIAL TO THE PRESS ARGUS-COURIER

From getting enough sleep to sober living, wellness is trending, and people seek to take their health to the next level through self-care. For some that might mean strapping on a fitness band, eating superpowders such as matcha or spirulina, or simply taking the time for a well-deserved bubble bath. To really make a positive difference in your personal health, self-care should become a staple in your life and part of a wellness routine rather than just a fleeting trend, said Yvette Ankrah, a UK-based transformational coach, speaker and educator. “Self-care is how you look after yourself on a day-today basis to maintain your health and well-being. It’s not about the occasional weekend break or spa day, it’s about creating a set of rituals and practices to look after you,” Ankrah said.

What it is As men and women push for success in their lives,

families and work they often forget about investing in themselves, which can pack on the stress, Ankrah said. “Right now, one of the top issues for employees and business owners is stress, and stress affects women 50% more than it affects men. Self-care helps you manage stress and stop it becoming chronic or leading to burnout,” Ankrah said. Self-care comes in many forms, from getting out and enjoying the fresh air, to going to the doctor when needed, to setting boundaries on social media and asking for help when needed. “By practicing self-care people can build resilience so they are better able to cope with whatever life throws at them,” she said. “If you are already experiencing stress it helps you manage it and stop it getting worse. If you are already burned out, it is a way to ease you out of that place and develop healthy habits and behaviors.” Clinical studies into the effectiveness of self-care plans have shown that they help people become more resilient and healthier, Ankrah said.

“I used self-care plans to improve my own health and well-being as stress and burnout led me to developing fibromyalgia, a condition experienced by Lady Gaga and Morgan Freeman which causes muscle pain and fatigue, among other things,” Ankrah said.

Make a plan Developing a self-care plan helps establish it as part of your routine, said Ankrah, who likes to break down the plan into six areas: 1. Professional or business life 2. Physical body 3. Psychological 4. Emotional 5. Spiritual 6. Relationships Consider what things in these areas need to be (See SELF-CARE, Page 15)


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Court Appointed Special Advocates (CASA) salute all working women that go the extra mile to give special time and help in advocating for the abused and neglected children in Crawford County. Working at tables during recent events CASA participated included CASA of Crawford County Director Celeste Lewis and volunteer coordinator B.J. Lea and Shannon Gordon.


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Helping others help themselves Without these ladies on our transportation team some of our disabled adults would not be able to participate in our day program. The people we serve learn daily life skills in areas such as, home living, finances, fitness, drama and careers. Not only do they learn life skills they actually work on contract jobs through Cintas, Alpha Packaging, Famous Chili, Mars Pet Care, Fort Smith Downtown, Highway Dept, and the Federal Courthouse. These ladies along with four gentlemen get up before dawn to ensure everyone has a ride to our facility. Without these drivers some would not be able to attend due to not being able to drive or obtain a ride. These vans have both a morning and evening route. Between the seven vans we use daily we transport on average 50-60 consumers, two which are non mobile, to and from our facility. We pick up people from all over the River Valley area such as Ratcliff, Magazine, Fort Smith, Van Buren, Alma, Mulberry, Mountainburg and Chester. While serving these areas the vans

accrue about 675 miles a day each. Including all seven vans that averages about 4,700 a day, 13,000 or more for a month, over 156,000 for the year with half of those miles being driven by women. Dian Willis has been with Abilities for a little over a year and the consumers just love her. What others have to say about Dian: • She gives Birthday gifts - Ellen • I love Dian – Emily W. • Sweet lady, She lets us listen to music – Ann • I love her – Oliver • She’s nice – Kyle • Good driver and she’s nice Lisa Bateman has become a constant staple to some consumers in the past four years. • What others have to say about Lisa: • She’s my favorite – Courtney • She’s sweet – Latisha • She’s a sweet heart – Laverne • She’s nice – Alex

• She’s a wonderful driver – Josh • Safe and smart driver – Daniel F. • Very good driver and nice cause she lets me sit in the front seat – Eric • My favorite is the fact that she tells people to be polite and that she is a family woman. - Robin • She’s nice and very good van driver – Melanie • She’s a good driver and we get along pretty great – Cicero • She’s pretty cool and gets me to my destination safe – Julia Lorrie Langer just starting this year and is fitting in great. Consumers enjoyed telling us what they like about her. What others have to say about Lorrie: • She’s cool and looks nice – Dustin • She’s nice, funny and tells me stuff about Amber – Brandon • She’s nice and cute – Maurice • She’s funny – Stephanie • She’s very funny – Amy • She talks about her kids all the time – Evelin Cassie Adams is one of our longest-serving van drivers and is an important part of our team. • What others have to say about Cassie: • She’s a wonderful driver – Josh • Safe and smart driver – Daniel F. Very good driver and nice cause she lets me sit in the front seat – Eric • My favorite is the fact that she tells people to be polite and that she is a family woman. - Robin • She’s nice and very good van driver – Melanie • She’s a good driver and we get along pretty great – Cicero • She’s pretty cool and gets me to my destination safe – Julia


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Continuing traditions

Linda DeWater began machine quilting in 2005 as a hobby, but saw a need for affordable fabrics for quilters. She went to the business department at the University of Arkansas-Fort Smith for consultation. They told her the basics of how to start a business, including tax information and how to file paperwork through the courthouse. With help from her husband Vernon DeWater and her three sons, Linda DeWater built and opened her fabric shop that year. She opened her first store in July 2005 in Mulberry. “I didn’t want to see the art of quilt-making go out because of lack of places to buy fabric,” DeWater said. sit in the Raised in the Mulberry area, DeWater did some quilting with her polite and mother and grandmother as a child but is mostly self-taught, she said. She has been quilting for over t – Cicero 35 years, loves to visit with other safe – Julia quilters, and is always willing to g in great.listen to customers’ input on new ideas, she said. Linn Smith is an her. addition to our team to help assist with those either looking for faber – Bran-ric or patterns to make that special project. One of the most important things DeWater has learned is networking, she said. She also expressed concern that the cost of the craft can rivers andcause some to quit quilting. Linda recently became a dealer for AccuQuilt. We also carry the dies and the machines that are used on the AccuQuilt cutter machine. n the frontYou can find out more about this product online. polite and Cozy Quilts has approximately 4000 bolts of fabric. “It is rewarding to see people come in with the t – Cicero look of surprise when they drive

safe – Julia

WOMEN IN BUSINESS

out in the country and find a shop with all this fabric,” she said. “Although we’re not in town we are easily located 2.5 miles off of Interstate 40.” When asked what she loves most about her business, DeWater said she enjoys being able to answer her clients’ questions about why things don’t always work for them exactly as they plan. “For example like having a quilt block coming together and helping them to have the finished products to see. Also, I love to get to know new people,” DeWater said. Vernon DeWater said Linda is a professional at what she does and her business. “People are comfortable with asking her questions. Linda is a relationship builder and wants to know people in order to help them,” he said. “When speaking with her, she told the story of a lady that had called to ask about a certain problem she was having with a pattern. Linda admittedly wasn’t familiar either, but invited the person to the store and that she would put on a pot of coffee so they could figure it out together. Hours later, they had it conquered.” Though DeWater loves running her business, she said that not all of her plans have come to fruition. But she has many capabilities other than quilting. Linda DeWater was previously an EMTI, first responder with the Mulberry Fire Department, a member of the Crawford County Fair Board, a member of the CRN networking group and a pianist and singer at Freewill Baptist Church in Mulberry. She also has eleven grandchildren.

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Com Growing our family to serve our customers Generations Bank has been a part of community banking in Arkansas for five generations. Established in 1907 in the small town of Harrell, Ark., Generations Bank has grown over the years. into a nine branch institution with locations serving Camden, Fayetteville, Hampton, Junction City, Rogers, Siloam Springs, Van Buren and it’s surrounding communities. Valuable team members include: Front (from left) — Joyce Romero, Lending Assistant; Theresa Gilstrap, Lending Assistant/Mortgage Originator; and Peggy Pierson, Vice President. Back — Leslie Thomas, Head Teller; Tiffany Painter, Teller/ CSR; Brandi Abel, Assistant Branch Manager/CSR; and Jessica Odom, Branch Manager.


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WOMEN IN BUSINESS

Compassion in serving others

Edwards Van-Alma Funeral Home salutes their Women In Business, Davine White and Brandy Rodgers for their compassion and commitment to their roles at the Van Bummunityren funeral home, as well as their ablisheddaily contribution to its successful nerationsoperation. e branch amden, White joined Edwards Van-Alma Rogers, in 2007 as a part-time support staff ounding member and accepted the office include: ssistant;manager position in 2012. She beortgagelieves strongly in the company’s tant. Backgline . . . Taking care of each other is er, Teller/what community is all about. ger/CSR; Rodgers has been a licensed funeral director and embalmer since earning her degree from Arkansas State University - Mountain Home

in 2005 and joined the Edwards family of funeral homes in 2007. Of the nearly 1,500 licensed funeral directors and/or embalmers in the State of Arkansas, less than a third are women. Of that number, only about a quarter share the same licensure as Rodgers. While both vocations are indeed male dominated, Rodgers brings her compassion and caring as a mother, daughter, and most recently a grandmother to the job. The duo enjoys working together in fulfilling the clients’ needs and honoring a Life Well Celebrated. They both believe in treating all of the families who come to us with dignity and respect. They pledge to provide caring service, quality and complete satisfaction.

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Notable women who helped shape history Women continue to blaze trails in the 21st century, influencing world events, politics and businesses near and far. In the United States, more women were elected to Congress in 2018 than in any other point in history. In 1916, Jeannette Rankin became the first woman to hold a seat in the House of Representatives, and today there are 110 women serving in Congress. And such progress is not exclusive to the United States. The World Economic Forum says 56 of the 146 nations studied have had a female head of government in the past 50 years. Women have also grown in their high-priority roles in the business sector. In 2017, Fortune magazine reported there were 32 ladies CEOs leading companies such as General Motors, PepsiCo and Lockheed Martin. Throughout history, many women have made notable impacts in their communities and on society. The following are just a handful of women whose accomplishments are worthy of celebration. • Millicent Farrett Fawcett: This powerful leader

campaigned for women’s suffrage in 1866 at the tender age of 22, leading the National Union of Women’s Suffrage Societies. Her goal was realized 61 years later. • Marie Sklodowska Curie: This Polish-born scientist founded a new science of radioactivity, which would have a sizable impact on the treatment of cancer. Curie also was the first woman to win a Nobel Prize. • Ruth Law: Despite Orville Wright refusing to teach her to fly, Law learned to be a pilot in the early 20th century. At 28, she beat the cross-country flight record with a 590-mile flight from Chicago to Hornell, N.Y., and later inspired Amelia Earhart. • Ada Lovelace: This gifted mathematician is considered to be the first computer programmer in the early days of computers. • Valentina Tereshkova: In June 1963, cosmonaut Tereshkova became the first woman in space. Despite a lack of formal flight training, Tereshkova was

selected for the space program due to her skills as an amateur parachutist. • Oprah Winfrey: Her rise from poverty to the status of household name and billionaire mogul is a true ragsto-riches story. • Nancy Pelosi: Congresswoman Pelosi became the first and thus far only female to serve as Speaker of the United States House of Representatives. She is the highest-ranking female elected official in U.S. history. These are just a handful of the many influential women who have shaped history.


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CCAEC continues to offer classes, services

Led by Dr. Debbie Faubus-Kendrick, the Crawford County Adult Education Center (CCAEC) offers free classes and services to our community. Hours of operation in Van Buren are Tuesday and Thursday from 8 a.m. until 8 p.m. and Monday and Wednesday from 8 a.m. to 4 p.m. The center is closed on Fridays. CCAEC is growing and expanding to meet the needs of its students. Its services provide ongoing learning opportunities to prepare individuals for career advancement, post-secondary education, States technological innovation and life anking enrichment. All services available at CCAEC are FREE except the post-secondary programs. tial Preparation classes and tutoring are available for students in adult basic education. The new computerized GED exam includes four test sections: Mathematical Reasoning, Reasoning through the Language Arts, Science and Social Studies. Passing all four sections of the exam will earn students an Arkansas High School Diploma. The preparation classes include math, language, writing, science, social studies and digital literacy. Additional classes available for FREE at the center include: Certified Nursing Assistant pre-apprenticeship classes, which enables students the opportunity to work in the medical field, Business Technology classes that help students achieve essential business skills, Basic Instruction to Construction, where upon completion students acquire NCCER and OSHA 10 certifications. The Career Development Workshop geared toward clerical instruction, CPI

classes where students are guaranteed and interview with Consolidated Printing Incorporated, Pepper Source, or DillMeier Glass. The center also offers English as a Second Language (ESL), Adult Career and College Transitions (ACCT) and Citizenship classes. CCAEC continues to provide assistance in studying for the Accuplacer and ASVAB exams. Students who are unemployed or underemployed and who are seeking to increase their academic and job readiness skills can do so through the Workforce Alliance for Growth in the Economy (WAGE) program and National Career Readiness Certif icate (NCRC), both available on site. Other services located on campus are: Parents as Teachers (PAT) Program, Educational Opportunity Center (EOC) Services, SNAP E&T, and Vincennes University Van Buren campus. To enroll in these programs or for more information please contact the Crawford County Adult Education Center. The CCAEC works in collaboration with Vincennes University to offer college courses in Van Buren. The Van Buren campus has several options for college courses including a two-year Associates’ Degree. College courses are scheduled in the evenings Monday through Friday. Courses are affordable and assistance with financial aid applications are available on site. Please contact the center for questions regarding financial aid or enrollment in Vincennes University courses. For more information on any of our classes or services, please call the center at 479-471-0019.

WE SALUTE OUR

WORKING WOMEN!

From left to right: Stephanie Ramos, Annie Palmer, Darla Melton, Dr. Debbie Faubus-Kendrick, Wendy Hejab, Autumn Grant, Laura Hebb, Tammy Davis, Alice Harper, Lanea Yandell, Shirley Gregory, Laura Merrick

Not shown in picture: Robin James and Judy Stetson

Education Lasts A Lifetime Crawford County Adult Education Center 605 Alma Blvd Circle, Van Buren 479-471-0019

FS-0001285079-01


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Working moms return to jobs Working mothers are no longer an anomaly. According to the U.S. Bureau of Labor Statistics, seven in 10 women with children under the age of 18 years were in the American labor force in 2015, the most recent year for which statistics were available. Though it might be considered the new normal for mothers with young children to work, that does not make it any easier for mothers to manage a career and being a mom. That’s especially true for firsttime mothers returning to work at the end of maternity leave. Returning to work after maternity leave can produce mixed emotions. Mothers who have thriving careers may be excited to get back to work while simultaneously feeling sadness or even guilt at the prospect of leaving their infants at home with a spouse or nanny or at a daycare facility. Such mixed emotions are normal, and women should discuss their feelings with their spouses and loved ones if they are experiencing difficulty processing them. How smoothly women transition to work after maternity leave may depend on how well they plan ahead. The following are some ways women can make returning to work after giving birth go smoothly. • Negotiate your return to work. The length of maternity leave depends on a host of factors, including company policy. Paid maternity leave is not a requirement in the United States, while the Canadian government sponsors an insurance plan that allows both parents to earn some income while on leave. In advance of giving birth, women can attempt to negotiate their post-maternity leave return to work. If you had initially intended to take three months’ leave, speak with your boss about returning part-time after two months or request to work remotely one or two days per week upon your return. This gives you a chance to ease back into work and your child a chance to adjust to spending time with others. Many companies may be flexible with their maternity leave policies, but women will only know if they ask. • Devise a daily schedule before returning to work. Mothers who plan to continue breastfeeding even after they return to work will have to carve out time each day to pump. Pumping can be time-consuming, and working mothers should speak with their bosses to explain their desire to pump during the workday. Employers cannot tell women they can’t pump during the workday, but many women unfairly feel pressured to spend as little time as possible pumping. Laying out a daily schedule that includes when you plan to pump during work hours and sharing it with your boss before you return to work may help reduce that pressure and, therefore, making the transition back to work easier. • Lighten your load. Balancing work and family is a tall order for anyone, but especially for mothers who just gave birth. Delegate more at the office upon returning to work, and take that spirit of sharing home, too. Make sure cooking and cleaning duties are shared, and don’t hesitate to order takeout more frequently until you adjust to being a working parent. Planning ahead can help women successfully navigate their return to work after maternity leave.


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Majors leads to higher earnings Choosing a college major is an important decision that many students delay making until their sophomore or even junior years. Only after taking a few courses and uncovering one’s interests do some college students figure out what they want to do with their lives. Each student is different, and while some may pursue a degree based on a particular passion, others may choose majors that can lead to high-paying jobs. While men often lean toward majors like engineering and computer science that have traditionally been linked to high earnings, women have historically gravitated to lower-paying specialties like education and social sciences. But in recent years a shift has occurred, and more women have begun to choose majors associated with higher postgraduate salaries. Reports from the career guidance site Glassdoor analyzed how much male and female professionals with the same college degree earned and identified many instances in which women went on to earn more than men in the first five years of their career. They’ve

identified several majors where female college graduates can earn as much or more than their male counterparts and find successful careers. · Architecture · Pharmaceutical sciences · Information sciences · Chemical engineering · Computer science · Electrical engineering · Mechanical engineering · Computer engineering · Business economics · Civil engineering · Sports management Despite these findings, the college resource CollegeFactual and the U.S. Department of Education says that women remain likely to pursue education, design and applied arts, health services, and social work as career options. Female students unsure of which major they want to pursue can take career assessments to help narrow down their options. Working with mentors or engaging in internships also can present a first-hand idea of highpaying career paths.

(SELF-CARE, From Page 6)

improved so they are more positive. “The goal is not to change everything at once but to become aware of what is and is not working well and start to do something about it,” Ankrah said. Start by picking three things that you could change that would have the biggest impact, such as regular exercise, going to bed earlier and having a regular date night. Put your goals down in writing using action words: “I will exercise three times a week.” Commit to doing one of the actions as soon as possible: “I will get up 30 minutes earlier to hit the gym.” Make it easy to succeed. For example, get your gym clothes ready the night before. Commit to doing the action for 21 days. “This helps the habit to start to form and shifts your behaviour. After 90 days it will become a new healthier habit,” Ankrah said. THIS ARTICLE APPEARED IN FALL HEALTHY LIVING 2019.

Talent contributes to success “Citizens Bank & Trust Company is proud to acknowledge all the talented bankers who contribute to the success of our bank,” according to Keith Hefner, President and CEO. The bank has seven branch locations, all within Crawford County, and 99 employees of which 84 are women and 22 of them are officers in the bank. “Women staff every department within the bank including critical functions in trust, personnel, lending, accounting, retail banking, marketing, and management,” said Hefner. “ In addition to their demanding professional careers, many volunteer in the community, admirably representing the bank in leadership roles with civic, government, and charitable organizations. “In most cases, the quality of our bank’s service is judged by the experience our customers have when they enter one of our locations. We are proud of the knowledgeable, professional, hard-working ladies on our staff and their contributions toward making Citizens Bank & Trust a strong financial institution and Crawford County a better place to live.”



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