2 | Autumn 2010 | U MAGAZINE
Magazine
Editor’s Note
A role reversal
Table of Contents Welcome to the Rest of Your Life ........................ 4 Contributors ........................................................... 5
Section 1: Enlightened Spreading Aloha Through Central Oregon ........ 7 What We’re Reading ............................................. 10 Back-to-School Survival Guide ............................ 12
Section 2: Relationships Helpful Hearts ...................................................... 13
Section 3: Well-being Pure Autumn ....................................................... 16 Pear Recipes ......................................................... 17 Kick-Start Your Metabolism ............................... 20
Section 4: Image For the Love of Handbags .................................. Skin Tips for Fall ................................................. Enhancing the Lashes ........................................ High Desert Life Styles .......................................
22 24 25 26
Section 5: Achieve Sharing Success ... Sharing Challenges ............. 28 Financial Advice ................................................. 30
Role models can come in all sizes. When my wife and I took our daughter, Maya, to the clinic for her 2-year checkup recently, we had no idea that we would be received as model parents. Yes, throughout two years of parenthood, we’ve shed many of the hang-ups of first-time parents and have learned to accept certain inevitables: sniffles, sneezes and fevers, unidentified bruises, and the idea that certain developmental milestones will simply happen when they’re meant to happen. We feel Maya interacts well, is a quick learner and has the confidence of a daredevil on the playground. She’s quick to identify colors, parts of her body and dog droppings in the yard. She even counts, though I’m not certain she knows yet what the numbers actually mean. The girl is amazing. To us, Maya’s been a model of perfection. Our bias, in this respect, is like that of most other parents — a warm blanket of acceptance and love for who she is and who she will become. In other words, we are not unique as parents. But there we were sitting at the clinic following Maya’s checkup accepting sincere gratitude from her pediatrician. “Thank you so much,” she said, “for not forcing me to have the obesity conversation with you. It’s refreshing.” Sensing we weren’t sure how to
U Magazine
is a product of The Bulletin’s Special Projects Division, P.O. Box 6020, Bend, OR 97708. All content is the property of The Bulletin/Western Communications Inc., and may not be reproduced without written permission. Story ideas may be submitted to editor Ben Montgomery for consideration. Contact him at 541-383-0379 or bmontgomery@ bendbulletin.com.
respond, the doctor continued. “Maya’s an active little girl in a healthy growth percentile,” she said. “So many children, even at this age, are already overweight because parents don’t keep them active or make sure they eat well. Maya’s not on that course, and I thank you both for being good role models.” I have to admit we both swelled with pride immediately following the appointment, but a dose on honest self-awareness kept our pride in check. The doctor was right in the sense that my wife and I have made activity and (relatively) healthy eating a priority for Maya. The part about us being good role models in that respect ... well, let’s just say we both fall a bit short in the healthy eating and exercise categories. The truth is that Maya’s naturally motivated when it comes to running around the yard and snacking on apples and carrots. We can’t take credit for that. In fact, her energy and surprisingly good eating habits are contagious. You can’t help but stay active with a child who craves to be chased whenever she plays in the yard. And my conscience won’t allow me to eat a cookie when my 2-year-old says she prefers a carrot stick. When it comes to exercise and eating, Maya’s the true role model in our home. Someday I’ll thank her for making us look so good.
—Ben Montgomery, U Magazine Editor
Staff members for The Bulletin’s special projects division include: Martha Tiller, Special Projects Manager; Ben Montgomery, Special Projects Editor; Nicole Werner, Special Projects Assistant; Clint Nye, Graphic Designer; Stacie Oberson, Special Projects Coordinator; Lyle Cox, Photographer. Published: Saturday, September 4, 2010. Cover photo by Lyle Cox; Cover Model: Linda Berry; Dress and Cardigan by Aventure des Toiles, courtesy of Bella Moda; Makeup by Maria Anderson, Lemon Drop Salon; Flowers courtesy of Candy’s Farm, Salem Oregon U MAGAZINE | Autumn 2010 | 3
Welcome to the rest of your life.
by Lori Gleichman, for The Bulletin
Expressing gratitude for home While we often long to get away, it’s important to appreciate the home we come back to. Welcome to the rest of your life … longing to leave and longing to come home. I have always wanted to travel. When I was young, it was through books. As soon as I was old enough to get a passport and buy a plane ticket, I was off. It was mostly big cities back East, Europe, the Caribbean and Central and South America, but it was enough to teach me that the United States is only a tiny fraction of this earth and that Americans are only a tiny fraction of the human race, despite the U.S.-centric media we consume. For years, I wasn’t home for more than a few months before I was off again, thirsty to see more. Then came the stage when I got married, bought a house and focused on a career. We still traveled, but the time between trips was longer, it took more planning to span two sets of interests, and they were budgeted for according to other demands on our paychecks. Then we moved to Central Oregon and for the first time, the pull to travel dissipated some. Why leave Paradise? But lately, the travel bug has hit me again. This summer, I said “damn the recession,” and we hit the road in a brand-new-to-us truck and camper. Granted, we haven’t been terribly far a field since the cab is a tight fit with me, the husband and the 100-pound dog, but it’s been enough to sooth my restlessness. I like the little contained world of the camper, complete with a comfortable bed, a refrigerator that works and my own bathroom, even if it has special rules
The moment you realize that life can, and does, change in an instant is a profound moment in the journey of life. Sometimes we learn that lesson as a child; sometimes we’re older. Sometimes we get pretty far along in life before circumstances hit with a force you never expected, shifting perspectives and 4 | Autumn 2010 | U MAGAZINE
about water levels and biodegradable toilet paper. I like that camping always entails hot dogs and beer. I like waking up in the morning and hearing the murmurs of other campers in the distance, bird song and the hum of the river. It’s not worldclass museums and tropical beaches, but it’s getting away and changing up the routine. Then I got it into my head to go to Las Vegas for a weekend in August, impulsively buying cheap flights and tickets to Tom Jones. (Don’t knock Tom if you haven’t been to one of his concerts. And he and Lady Gaga were the only headliners sold out that weekend.) We stayed at the Trump International Hotel, by far the most luxurious place I’ve ever stayed. We ate gluttonously at the Wynn Buffet and paid outrageous prices for last-minute tickets to Cirque Du Soleil’s Zumanity. We watched high-stakes poker and marveled at the high heels, short skirts and lots of cleavage hanging on to much older men. So, my summer travels spanned the spectrum of Central Oregon in a camper and the overwhelming noise and activity of Las Vegas. I enjoyed both, but found both unexpectedly imprinted with a poignant sense of homesickness, a feeling I don’t think I’ve had since summer camp when I was 10. And I realize now what I like most about travel now is coming home. At first, I thought it was the hot shower, clean clothes and meals that didn’t include
hot dogs. (Camping, about 50 cents each; Las Vegas, about $15.99 each Wolfgang Puck style.) But now I realize the need to return home is driven by something more than escaping the mosquitoes and masses of people. It’s returning to the refuge we’ve created, where calm and security reign in a world that is often complicated, usually noisy and sometimes threatening. And now I recognize another feeling associated with home: gratitude. How lucky I am to have this cottage in Bend,
“How lucky am I to have this cottage in Bend, filled with the people and things I love when so many others have lost so much?” filled with people and things I love when so many others have lost so much. Last year, 662 volunteers served 2,257 people experiencing or at risk of homelessness at the 2009 Project Connect. Given the continuing bad economic news, we can only expect the 2010 event on Sept. 18 to serve even more. So if you’re grateful for your home and all the precious people and things it holds, consider volunteering for or donating to Project Connect. After all, you can go camping another weekend. And, as Sunday afternoon rolls around and you start dreaming of that hot shower, you’ll have a renewed appreciation for home.
priorities forever. And the funny thing is that when this moment arrives, it’s usually never of your own making. Otherwise, this column would be called “Welcome to the life you planned ...” Instead, it’s a chance alignment of forces that make you realize this is the new normal. In other words, “Welcome to the rest of your life.” — Lori Gleichman
U Magazine
C O N T R I B U T O R S ANNISSA ANDERSON, a freelance writer and public relations consultant, also studied culinary arts and worked as a pastry chef in another life. Though she’s lived in the Northwest for the past 20 years, she spent her childhood living abroad.
LORI GLEICHMAN considers herself intensely curious about almost anything, which is what makes freelance writing such a joyful experience. When not writing, she works as a marketing/PR consultant, loves to read travel memoirs while dreaming of her own next adventure. She lives in Bend with her husband Dick, her dog Indy and her cat Pic. SONDRA HOLTZMAN is a record keeper of an evolving life. A professional artist and founder of The Traveling Studio, her journals and sketchbooks reflect explorations afar and close to home. Sondra is a published author, storyteller and travel writer and loves kayaking with her miniature longhaired dachshund, Scout.
S A C R O I L L I A C PA I N H E R N I AT E D D I S C S C I AT I C A
GAIL ELIZABETH KRETCHMER is a local freelance and fiction writer whose work has been published in the High Desert Journal and various other publications. She teaches therapeutic and creative writing workshops throughout the community. Gail holds a Master of Fine Arts in Writing degree and is a member of The Association of Writers and Writing Programs as well as the National Association of Poetry Therapy. KATHY OXBORROW owns Oxborrow Consulting, which assists public and nonprofit agencies. She grew up on a Nevada cattle ranch and returned to her roots after stints in San Francisco and Portland. She lives near Sisters and enjoys riding her horse Sara.
SUSAN THOMAS SPRINGER began her journalism career as a TV news reporter. She worked in corporate marketing, managing communications for a bank and launching high-tech products. Today, she’s a freelance writer living in Sisters where she and her husband enjoy raising their twins.
BUNNY THOMPSON is an internationally published writer living in Sisters. She cruised on a sailboat for six years and 40,000 miles where she wrote a novel and published travel and adventure articles in national and international magazines such as Sail, Cruising World, Southern Boating and Island Scene.
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6 | Autumn 2010 | U MAGAZINE
Spreading Aloha Central Oregon through
Sisters teach hula dancing as a way to share aloha from ‘the Island of Redmond.’ by Lori Gleichman, for The Bulletin Special Projects
Rosemary Miller and Novelen Tavita happily share aloha with people. “When we dance; we feel the love,” said Miller. “We share the aloha. We give it to the audience and they give it back to us.” That’s why the sisters started the Hokulea Dancers, the only group of dancers who specialize in hula and other South Seas dancing in Central Oregon.
Raised in San Francisco, their mother enrolled them at early ages in all kinds of dance — ballet, jazz, tap — but also wanted them to enjoy the Hawaiian culture of their father and included hula in their repertoire. They were good enough to compete internationally and dance professionally when younger, but they are now content with dancing and teaching in Central Oregon. “Now we tell people we come from the Island of Redmond,”
Hula instructors Rosemary Miller and Novelen Tavita (above) started the Holukea Dancers, which perform throughout Central Oregon. Photos by Nicole Werner.
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“The goal is for dancers to feel the dance. We want them to become the song, smelling the ocean, feeling the sand. If you can get to that place, you don’t even know the audience is there.” Miller said with a laugh. Miller and Tavita start a new halau, or hula school, each October. Classes are taught on Sunday’s at Tavita’s restaurant Mele Ohana on 7th Street in Redmond. In addition to dining space, the restaurant features a studio for classes and a stage for performances, which are held Friday and Saturday nights. “Sometimes it’s just us,” said Miller, gesturing to her sister, “and sometimes it’s several of our halau.” They have about 70 current and past students that join them for performances, which are favorites at regional events like the 4th of July Parade in Redmond, Music on the Green and the annual Sweetheart Luau benefiting The Heart Center. The Hokulea Dancers are also in demand for private events, parties and weddings every year. The cost ranges from $200 to $850, depending on the number of dancers involved. According to Miller, hula was historically
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how the Hawaiian people prayed and shared storytelling. “It is how the history of our people is passed down and how we celebrate nature, family, the beauty of the flowers, the ocean and the mountains,” she said. It wasn’t until the 1940s and 1950s when tourists started arriving on the islands that hula became part of the popular culture. Hula is something Miller believes anyone can do and enjoy. “We have young and old, we have people
who are deaf and people in wheelchairs participating in our classes,” said Miller. Many of their students are attracted by the camaraderie of the halau. “We become one big family,” said Miller. For others, the chance to perform is the draw. “We’ve seen the shyest people blossom,” Miller continued. “They love the costumes, they love the attention, they love interacting with the audience.” In the first year, Miller and Tavita focus on teaching basic movements like the “hela,” which is bending your knees and pointing one foot forward, and the “ami”, which is moving your hips in a circular motion. After awhile, dancers put the movements together with a song, then add hand movements. “Hips and feet keep the beat; hands and face
tell the story,” Tavita said. Expression is a key part of hula, she said, and the most difficult for new students to master. “The goal is for dancers to feel the dance,” Tavita added. “We want them to become the song, smelling the ocean, feeling the sand. If you can get to that place, you don’t even know the audience is there.” That relaxation and sense of peace is one benefit of hula, but so is the workout. “It’s a different form of exercise, but you can definitely break a sweat,” said Miller. Hula is great for toning arms and legs and working the core abdomen muscles. It also helps with balance, grace and posture. Asked if the Hokulea Dancers will ever get involved in competitive dancing, Miller and Tavita immediately and emphatically said “no” in unison. “Once you introduce competition, it’s not fun anymore,” Tavita said. “Competitive hula is very precise, very stressful. We want our halau to be fun.” Miller and Tavita offer a variety of classes for keikis (children ages 2 to 6), a junior class for ages 7 to 12, women’s hula and Tahitian dance, an advanced hula class, and drumming for men. Call Mele Ohana at 541-548-3227 for a class schedule and information about tuition.
U MAGAZINE | Enlightened | 9
What We’re Reading
by Bunny Thompson, for The Bulletin
Learn what some long-time Central Oregon book clubs are reading and how they feel about their selections. Have several of your book group members moved away, or at least too far to attend regular meetings? Would you like to include your friend from Tennessee or Colorado — the one who loves to read and always has a fresh observation about a book — to your book group? Maybe you should consider an online book group or simply including someone far away as part of your discussions via an online connection. Here’s what an area online book group has to say: “We started this (online book group) about one year ago. There are seven of us, and three of the members live out of the area. We have found it is a fun way to stay in contact with each other. We all attended the Shakespeare Festival and discovered what avid and diversified readers we are and started the 7BroadsBookClub. Whoever is the facilitator suggests three books, and we vote on which one to read. We allow a month and set a date and time to chat about the book. We joined Wikispaces, so it is great fun to have instant chat online. Believe it or not, we manage to stay on the subject and limit it to one hour. Each one of us takes turns at being the facilitator and tries to outline a few questions to help the discussion along.” At home, in a coffee shop, through Cyberspace, and even on a boat, Central Oregon book clubs have recently discussed the following books:
“My Name is Asher Lev” by Chaim Potok
Fair and Tender Ladies For their meeting, the Fair and Tender Ladies took a 30-foot pontoon boat out on Crescent Lake to discuss this book. “That’s the super fun part!” says one member. Asher Lev is a devout Jewish man from the Hasidic community in postwar Brooklyn. He prays three times a day and believes in the Ribbono Shel Olom, the Master of the Universe. Lev is also an artist who sees and feels the world both artistically and pragmatically. He is torn between these two identities, and it threatens to estrange him from the world and his parents. This book group thought the book was presented in a fascinating and readable manner showing the conflict of the artist versus the Orthodox Jew.
“The Vanishing Act of Esme Lennox” by Maggie O’Farrell
Bend Bookies
The Lockhart family secrets are divulged when Esme Lennox is released from a psychiatric hospital after 61 years and Iris Lockhart is unknowingly appointed her guardian. What is the truth behind Esme’s institutionalization, and why was her existence kept a secret? It’s an involved answer that’s filled with tensions and twists. The Bend Bookies found the characters to be complex and intriguing, and a great discussion ensued around the ending and the different ways to interpret the authors prose and intent.
“The Sparrow” by Mary Doria Russel
Bibliobabes
When extraterrestrial life is discovered after a listening post in Puerto Rico picks up singing from a planet they called Rakhat, the United Nations debates incessantly a mission to Rakhat. While they are debating, the Jesuits launch a scientific expedition of their own. One lone survivor returns physically and mentally devastated, and the Vatican tries to get him to explain. The Bibliobabes loved this book and found many avenues to explore. There were “great parallels to anthropological studies and their impact,” says one member.
This is O’Farrell’s fourth novel, and it eloquently tells the tale of family malice, longings and betrayal.
Guest Reader: Jane Kirkpatrick, Historic Novelist Jane Kirkpatrick lives on “the homestead” in the John Day area seven miles from her mailbox and 11 miles from a paved road. She’s the author of more than 20 books based on historical fiction, and her book “A Tendering in the Storm” won the 2007 WILLA Literary Award for Best Original Paperback. “A Flickering Light” was named as the Library Journal’s Best Books of 2009. So, what does Jane Kirkpatrick read in her minimal spare time?
“The Witness of Combines” by Kent Meyers
Jane obviously knows about the wind, dust and worries of a homesteader, and this book took her back to her roots in the Midwest. Meyers was 16 when his father died, leaving him to run the farm along with his mother and eight siblings. This truthful and heartfelt memoir about a Minnesota childhood in the 1960s tells it all: baling hay, welding machinery, feeding cattle and cleaning chicken coops. “Meyers’ depth of understanding about family ties and loss, grief and the compassion of rural communities, inspired me to look anew at the ebb and flow of my own life and the place I call home,” Kirkpatrick said. 10 | Autumn 2010 | U MAGAZINE
The Nature of Words 2010 Wednesday - Sunday, Nov. 3 - 7
“Velva Jean Learns to Drive” by
The Nature of Words Literary Festival is held annually in Bend in November where nationally and internationally acclaimed authors and poets visit Central Oregon for workshops, readings and panel discussions.
Jennifer Niven
Sunriver Book Group After writing two nonfiction books, this is Niven’s debut novel, and it’s been well-received in the book world. Velva Jean Hart was born in North Carolina in the 1930s. She promised her dying mother she would use her singing voice to heal people. But Velva Jean’s dream is to learn to drive and sing at the Grand Ole Opry. This novel has been called a “crazy blend of Loretta Lynn, Dolly Parton, a less morose Flannery O’Connor and maybe a shot of Hank Williams.” A 91-year-old member of this group told about learning to drive on the boulevard in Hollywood at age 15. Another reviewer compared it to Scout coming of age in the book “To Kill a Mockingbird.”
Festival highlights include two nights of author readings and book signings at the Tower Theatre, and two days of guest author-led workshops and lectures at Central Oregon Community College and OSU-Cascades Campus. Authors who will attend this year’s Nature of Words include Jimmy Santiago Baca, Michael Dickman, Kent Haruf, Hillary Jordan, Anne Lamott, Barry Lopez, Paulann Petersen, Brian Turner and David Whyte. The Rising Star Creative Writing Competition awards ceremony on Wednesday, Nov. 3 — free and open to the public — kicks off the festival. A gala sit-down dinner is held on Saturday evening and includes author readings and a presentation by keynote speaker Sam Waterston, an actor and Shakespearean scholar. The festival concludes on Sunday, Nov. 7, with an Open Mic at the Bend Public Library during which workshop participants and community members present their work. The Open Mic will begin with a reading from guest author Paulann Petersen, Oregon’s new Poet Laureate. The Nature of Words festival first took place in 2005 with the goal of fostering an appreciation for literary arts in the High Desert. Since then, the festival has grown and estiblished itself as a mainstay of Bend’s cultural calendar. For more information, including a full schedule, visit www.thenatureofwords.org.
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RAISING THE BAR
Back-to-School Survival Guide Despite the warm temperatures and sunny skies, many students are feeling a shadow looming as back-to-school season creeps closer. After weeks of lazy summer days and minimal math stimulation, the return to school can seem overwhelming to students of all ages. To help parents and children get ready for the new school year, Sheila Reed, director of Sylvan Learning Center in Bend, offers tips to ease the transition from the beach to the classroom and jumpstart sluggish summer brains. For Students: Get Organized — Organization is key to ensure you stay on top of the requirements for each subject. To help get organized, use separate, labeled notebooks for each class, and create files for each subject. The folders can hold assignments, essays, handouts and notes taken during classes.
Set Educational Goals — Whether it is striving for an A in a certain subject, handing in all homework on time or preparing for tests well in advance, set goals that are measurable, specific, reasonable and have personal value.
Be Adventurous — Step out of your comfort zone this school year by trying new things academically and in terms of extracurricular activities. Try every type of class and/or activity, challenge yourself and ask questions. You never know your strengths until you experience the most you can.
strengths and how best to support his/her learning style.
Think Positive — Though backto-school means early mornings and homework, it also means reconnecting with old friends, meeting new people, resuming fun activities, trying new things and improving on the year before.
• Be a cheerleader. Encourage your child to share concerns he/ she has about returning to school and reinforce positive feelings by talking with your child about learning and achievement. And celebrate your child’s successes!
For Parents: Stay on Schedule — Minimize lastminute cramming or deadline mixups by creating a detailed school schedule. Include all classes, assignments and key dates, such as project deadlines and test dates, and fill in new dates as they arise. Also, schedule specific times for studying, projects and extracurricular activities.
• Help your child discover his/her learning style. People learn in at least eight different ways. Talk to your child’s teacher about your child’s learning
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• Develop a Family Event Calendar. Ease chaos by tracking school work and after-school activities. Family management is essential.
Area sisters work together to operate their own nonprofit organization, which they dedicate to helping those in need.
Helpful
Hearts An 11-year-old girl lies in a hospital bed for three days, recovering from back surgery. There is some pain, and she has trouble moving. Her family members are the only ones who can understand the words she speaks. But she is not whining or feeling sorry for herself. Instead, she feels like she’s on top of the world. Brittany Peterson, now 15,
by Gail Kretchmer, for The Bulletin Special Projects
reflects on that time in her life. She had received dozens of cards from people she didn’t even know when she was hospitalized, and this outpouring of support made such an impact on her that she decided to dedicate herself to helping others in need. So she and her sisters, Madeleine and Eliza (now 12 and 7, respectively) started an organization called Helpful Hearts. “I really wanted to help people,” Brittany said. “A lot of people don’t have opportunities, and I have the resources to help others. I just want to help; I don’t expect anyone to help me in return.” While this attitude of altruistic giving would be noble for any teen, it is particularly noteworthy coming from Brittany because she herself has been in need of help all her life. Brittany has cerebral palsy. United Cerebral Palsy of Oregon and
Fifteen-year-old Brittany Peterson (right), along with her sisters Madeleine (12) and Eliza (7), started Helpful Hearts, a nonprofit that allows them to assist those in need. Photos by Nicole Werner.
U MAGAZINE | Relationships | 13
“I really wanted to help people. A lot of people don’t have opportunities, and I have the resources to help others.”
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Southwest Washington defines cerebral palsy as a group of neurological disorders that affect communication between the brain and the muscles. In Brittany’s case, this means spending her days in a wheelchair and relying on her parents to translate her words for others. What it doesn’t mean is a life without purpose, as evidenced by Helpful Hearts and the good work she’s accomplished through her organization. Brittany and her sisters started by creating confetti bags, crocheting coasters and designing handmade greeting cards. The younger girls went door-to-door selling their products, successfully making the sale 60 to 70 percent of the time. “And if they said no,” Madeline said, “we offered them our brochure.” Proceeds from the first sales project were used to provide 29
sleeping bags for the homeless. A Bible was placed in the bottom of each bag. “It felt really good,” Eliza said. “If somebody’s having a hard time, I want to help them to make their day feel better so they can have a better life.” After that project, their father,
Mike, applied for nonprofit status, and Brittany created a website. Since the inception of Helpful Hearts, the Peterson girls have raised thousands of dollars for a Mexican orphanage, gift boxes for troops overseas, and
Through Helpful Hearts, the Peterson sisters have mailed care packages to soldiers, raised money to buy books for area shelters, and provided sleeping bags and Bibles for the homeless. Photos submitted.
the purchase hundreds of books that they donated to shelters for children, women and families. They have also integrated their activities into home school projects and have sought noncash donations as well. For example, they sent letters to the governor of each of the 50 states as part of a geography unit, requesting that each state leader send his or her favorite book for donation. They have also solicited local businesses and school supply organizations for assistance. So far, the focus has been primarily military and literary.
“We didn’t plan it, but that’s what it is turning out to be,” Brittany said. “And I love it.” The girls are currently developing a plan to partner with Central Oregon Veterans’ Outreach to help homeless veterans in honor of their recently deceased grandfather, and they are planning to send letters to their favorite authors for more book donations. “All kids deserve to read,” Brittany said. Locally, Helpful Hearts has donated a hundred books to Saving Grace, which provides support to survivors of domestic
violence in Central Oregon. Paula Little, development director for Saving Grace, said the donated books are important in helping families feel comfortable and helping children in the shelter take their minds off difficult subjects. “We were very impressed with Brittany,” Little said. “It’s amazing how much joy she can provide.” And to some, it’s also amazing how much energy she has. According to her father, Brittany wakes at 5 a.m. every day with myriad new ideas for Helpful Hearts projects, from
raising funds for vaccinating homeless animals to helping others in greater need than she. Her ultimate dream is to raise funds for cerebral palsy. “Not a lot of people I meet with cerebral palsy are the same age as me; most are Eliza’s age and can’t talk,” Brittany said. “But you can see they’re totally happy, clicking along. It would be great to raise money for a college scholarship for a kid like me. It would be just the coolest thing in the world.” For more information about Helpful Hearts, visit www. helpfulhearts.org.
The Women’s Expo will bring together a wonderful and dynamic community of women to explore, share, educate and enhance the Central Oregon lifestyle.
October 22-23, 2010 Deschutes County Fair & Expo Center Hours: Friday, 11 a.m. – 6 p.m. Bachelor Auction: Friday, 7 p.m. Saturday, 11 a.m. – 6 p.m. Brought to you by:
How to participate: Vendor booth • Speakers Volunteer • Sponsorships Attend the Expo Buy tickets to Bachelor Auction Proceeds from the auction will benefit Grandma’s House.
U Magazine
For more information: www.centraloregonwomensexpo.com info@specialized-events.com or 541-385-7988. U MAGAZINE | Relationships | 15
Pure
Autumn by Annissa Anderson, for The Bulletin Special Projects
Oregon’s state fruit, the pear, is an essential flavor of the Northwest’s harvest season. Biting into a sweet, golden pear brings a taste of pure autumn. As Oregonians, we have access to the freshest of these juicy fruits and beginning now, local farmers’ markets and produce stands are redolent with the season’s bounty. Oregon’s state fruit is grown in the nearby Hood River and Rogue valleys, and several varieties begin to ripen in August through October.
Pear History
Pears are one of the world’s oldest
Photos by Nicole Werner 16 | Autumn 2010 | U MAGAZINE
cultivated and beloved fruits. In 5,000 B.C., a Chinese diplomat abandoned his responsibilities when he became consumed by grafting peaches, almonds, persimmons, pears and apples as a commercial venture. The first arrival of pear trees to Oregon and Washington came with the pioneers in the 1800s. These trees found their way to the region by way of the Lewis and Clark Trail. Once here, they thrived in the rich volcanic soil, abundant water, warm days and the cool nights of Oregon’s river valley growing regions. Medford, in the Rogue Valley, is home to some of the oldest pear orchards in the U.S.
Today, Hood River County grows more pears than any other county in the U.S. Oregon overall has 370 pear growers and produces about 800 million pears per year. Northwest pear varieties are the same or similar to those first cultivated in France and Belgium where they were prized for their delicate flavors, buttery textures and long storage lives.
Cooking with Pears
Pears are some of the season’s best ingredients. Easy to use in both sweet and savory preparations, popular cooking methods for pears include poaching (in wine, syrup, fruit juice and water), baking and sautéing. Pears can be used in dishes for every course, from appetizers to salads to main dishes and desserts. Pears, similar to apples, are great in baked goods like
tarts, pies, crumbles, cobblers and cakes, as well as in jams, preserves and chutneys. Although they are cousins of the apple, pears are much more delicate. Pears do not keep long once they are ripe, but their shelf life can be prolonged for a couple of days by placing them in the refrigerator. If pears become overripe, making them into pear sauce is a great way to use them up. To choose the best pears, look for those that are bright and fresh. Avoid any with bruises or soft spots. Check your pears daily to see if they are ripe by gently pressing near the stem. If the pear gives in to gentle pressure, it is probably sweet and juicy and ready to use for baking. Natural food pairings for pears are those typical for autumn. The spices that best complement the fruit are cinnamon, nutmeg and ginger. Chocolate is delicious with
pears in desserts, as are summer berries and cherries. Nuts, like hazelnuts, pecans and walnuts, will enhance most pear dishes. Cheeses, like goat cheese, ricotta and Oregon blue cheese, are culinary matches for pears like no other. Cooking with pears is good for your health, as well as your palate. Pears are rich in vitamin C and copper. Both of these are antioxidant nutrients that help protect cells in the body from oxygen-related damage due to free radicals. In addition, they are high in fiber and loaded with natural sugars, which provide a quick source of energy. Whether sliced raw or cooked to bring out their sweetness, pears will bring seasonal flavor and color to a variety of dishes. Find a ripe, juicy pear and get a pure taste of autumn.
Pear, Endive and Caramelized Pecan Salad (Serves 4) Ingredients: For the salad
2 endives, core removed and sliced lengthwise into matchsticks (julienne-cut) 8 ounces baby greens medley, such as mesclun or mâche 2 red Anjou pears, washed, peeled, cored and cut into 8 pieces each 4 ounces Oregon blue cheese, crumbled 1/3 cup fresh pecans halves 2 tablespoons butter, divided 1 tablespoon cinnamon 1 tablespoon honey
Method:
1. Preheat your oven to 385 degrees. Melt 1 tablespoon of the butter. In a bowl, mix the nuts, melted butter and honey until nuts are evenly coated. Place the pecans on a baking sheet and bake for about 10 minutes, checking that they do not turn too dark. Place them on a cooling rack. 2. Sprinkle cinnamon evenly over pear pieces.
Varieties
There are more than 3,000 known pear varieties grown around the world, but only a handful of heirloom varieties have been cultivated into the juicy, delicious fruit grown here in Oregon. Each variety has a distinctive character, texture and flavor. Here’s a guide to the types most commonly grown here and when they are in-season and available in markets:
Anjou — Sweet and juicy with a mild flavor and firm texture, this variety can be green or red and is good for eating raw or for cooking. Season: October through June (green); October through May (red).
Asian — A crisp texture and a delicate, refreshing flavor make this pear great for eating raw. There are many varieties of Asian pears; those grown regionally look like round, beige apples. Season: August through October.
Bartlett — The juiciest pear, it turns very soft and loses its shape when cooked. Season: August through January.
Bosc: This crisp fruit has a
For the vinaigrette
1 1/2 tablespoons white balsamic vinegar 3 tablespoons walnut oil Kosher salt and freshly ground pepper, to taste
PEAR
Heat remaining tablespoon of butter in a non-stick frying pan and cook the pears on medium-high heat for 1 to 2 minutes on each side. Remove and reserve on the side. 3. Place the endive sticks and salad in a bowl and season with the vinaigrette. Toss well. On individual plates, place a handful of greens on the plate, then top with a few slices of pears, caramelized pecans and crumbled cheese. Serve immediately.
soft, grainy texture, russet skin, and a beautiful aroma. The most pear-shaped of all pears, it holds its shape when cooked. Season: September through April.
Comice: A finer texture than other pears and a fruity scent make it excellent for eating raw. September through February.
U MAGAZINE | Well-being | 17
Ginger Pear Upside-Down Cake (Serves 10-12)
If you’ve ever eaten at Seattle’s Macrina Bakery, that alone should serve as inspiration to make this cake. If not, let it be said that the cake, adapted from Leslie Mackie’s Macrina Bakery & Café Cookbook, is a darkly sweet and aromatic treat that will make the upside-down cakes of your youth literally pale in comparison.
Ingredients: For the topping 3 tablespoons unsalted butter 1/2 cup light brown sugar 1 1/2 teaspoons ground cinnamon 4 to 5 medium-to-large ripe Bosc pears, peeled, cored, and cut lengthwise into 8 slices each
Special equipment 9-inch springform cake pan 10-inch piece of parchment paper
For the batter 8 ounces (2 sticks) unsalted butter, at room temperature 3/4 cup light brown sugar 2 tablespoons peeled, grated ginger 3 large eggs 2/3 cup molasses 3 cups unbleached all-purpose flour 1 1/2 teaspoons baking powder 1 1/2 teaspoons baking soda 1/2 teaspoon salt 1 1/2 cups low-fat buttermilk
Method:
Preheat the oven to 325 degrees. Oil a 9-inch springform pan and line the bottom with a 10-inch circle of parchment paper. To make the topping, melt 3 tablespoons butter and mix in brown sugar and cinnamon. Pour the mixture into the prepared pan, completely coating the parchment paper. Place the quartered pears on top of the butter-sugar mixture, lining the pieces up tightly in a decorative circle so that none of the bottom shows through. To make the batter, beat the softened sticks of butter and brown sugar on medium speed for 3 to 5 minutes, until the mixture is smooth and a pale tan color. Add the grated ginger and beat in until incorporated. Scrape down the sides of the bowl with a rubber spatula. Add the eggs one at a time, beating on low speed. Slowly pour in the molasses and beat until mixed in. (The mixture will look as though it is curdling, but don’t worry — it will come together when the dry ingredients are added.) In a separate medium bowl, sift together the flour, baking powder, baking soda and salt. Whisk to fully combine. Alternately add small amounts of flour mixture and buttermilk to the batter, stirring until the dry ingredients are just absorbed. Do not overmix the batter. Pour and scrape the batter into the pear-lined pan, smoothing the top with a rubber spatula or the back of your clean hand. The pan will be nearly full. Carefully transfer the pan to the center rack of the oven, and bake for about 1 hour and 45 minutes, until a toothpick inserted in the cake’s center comes out clean. Let the cake cool in the pan for 10 minutes on a wire rack. Cover the pan with an upside-down serving plate, then carefully invert them together. Release the sides of the pan and lift it away. Gently lift the pan’s base off the cake, and peel away the parchment paper. Allow the cake to cool for a half hour or so, and serve warm, with whipped cream or vanilla ice cream. 18 | Autumn 2010 | U MAGAZINE
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Kick-Start your
Metabolism by Lori Gleichman, for The Bulletin Special Projects
With changes to your eating and exercise habits, your metabolism can realize noticed improvements. “I have a slow metabolism” is often an excuse you hear from someone who is overweight, but a slow metabolism is not the cause of weight gain, explained Lynne Oldham, a registered dietician and certified diabetes educator with St. Charles Healthcare. “…it’s the result (of weight gain),” Oldham said. And with some information and changes to eating and exercise habits, metabolism can be improved. “Metabolism is the process of breaking food down to be used for energy,” Oldham said. Every function of every organ in the body relies on the metabolism of calories provided by carbohydrates, fats and proteins. As a result, when your metabolism isn’t working at an optimal rate, you notice it by feeling tired or gaining weight. Oldham explained that metabolism is comprised of three main components:
Basal Metabolic Rate (BMR) — BMR is the basic energy we expend to maintain our body’s resting functions such as breathing, circulation and temperature. The majority of our energy output (60 to 75 percent) goes to fuel the essential activities of staying alive and we don’t even have to think about it.
Thermic Effect of Food (TEF) — In addition to basal metabolic
rate, TEF affects metabolism. This is the energy expended to process food including digestion, absorption, transportation and metabolization of nutrients. It makes up another 10 to 15 percent of the equation.
Physical Exercise —
Exercise accounts for between 15 to 35 percent of a person’s total energy output each day, including passive activity like sitting and typing and higher intensity pastimes like cycling. Exercise is everything beyond the BMR of maintaining life and the TEF of processing nutrition, and it’s where people have the opportunity to improve their metabolism the most, explained Oldham.
20 | Autumn 2010 | U MAGAZINE
“The more lean muscle mass you have, the higher your resting metabolic rate, which means you’ll burn more calories more efficiently,” said Oldham. “The more efficiently you burn calories, the more lean body mass you develop (instead of fat) and the faster your metabolism works to fuel that lean body mass.” If you understand the cycle, you understand that exercise that promotes lean muscle mass
is the best way to effect a change to your metabolism. And if you affect your metabolism positively, you should see a positive change in weight, muscle tone, strength and energy. While metabolism is certainly affected by age, gender, hormone shifts, stress and thyroid function, Oldham doesn’t believe a slower metabolism is inevitable. And she doesn’t believe in shortcuts like pills or special diets. Oldham believes in a common sense approach to fueling the body with healthy foods at a regular frequency, and then adding exercise to help the body process the fuel effectively and turn it into lean muscle instead of fat. “Eating and exercise should be part of your life,” she said. “It should be integrated into your lifestyle, not a problem to be solved.” When discussing metabolism, weight and exercise, Oldham questions clients about their eating and exercise patterns.
Do you eat breakfast? (This is critical.) How long between meals? What kind of exercise (passive or intensive) do you get on an average day, and how much sleep do you get each night? She also suggests a simple blood test to rule out problems with the thyroid, which can significantly affect metabolism but is often easily treated. Finally she discusses past eating and exercise habits as a history of yo-yo dieting or extreme fitness can also affect how your body is processing fuel now. Once Oldham has an idea of established habits, she introduces baby steps to changing nutrition and exercise patterns to support a long-term metabolic health. First, people must accept that to lose weight, they must expend more energy than they consume, and they must expend even more to start reducing the fat they’ve stored. She suggests clients work with someone knowledgeable to
determine their basal metabolic rate, which in turn will help to determine how many calories they need to consume each day. Next, they should plan to consume those calories from a combination of healthy foods that will breakdown more efficiently into lean muscle rather than fat. Oldham recommends a balanced diet that includes adequate proteins from fish, eggs, lean meats and low-fat dairy (necessary to build and
repair muscle); whole grains and filling fiber; healthy fats like olive oil, nuts, avocados (critical to absorbing fat soluble vitamins and minerals); and lots of fruits and vegetables, the brighter the better for taste and antioxidants. Finally, Oldham adds exercise, which kick-starts the body’s metabolism to use the good fuel it’s getting to create lean muscle instead of fat. Oldham says that strength and weight-bearing exercises like weight training and Pilates are the best ways to create a shift in metabolism. “Cardio is good for the moment,” she said, “but weightbearing exercises have longerterm effects. Muscles continue to burn calories long after you’re done working out.” It also benefits bone density and relieves stress, she added. So, what’s the bottom line on metabolism? “You have to move first to improve metabolism, not wait until you feel more energetic to move,” Oldham said.
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www.partnersbend.org U MAGAZINE | Well-being | 21
My Fasion M.O. Jan Casey shows off one of her favorite handbags out of the dozen in her ‘collection.’ Photos by Lyle Cox.
by Susan Springer, for The Bulletin Special Projects
For the
Love
of
Handbags With handbags, form doesn’t always follow function ... unless the function is the creation of a personal style. One Central Oregon woman discusses her obsession with handbags and what she looks for in this accessory.
It was love at first sight. When Jan Casey first spotted a black Bulga bag with its shiny gold clasp and leather fringe, she knew she had to have it. But that statement bag came with a bold price tag too. So she waited and waited. Then one lucky day, it was on sale and she took it home. So began Casey’s collection of purses — now about one dozen — all created with unique designs and top-quality construction. Once she discovered bags beyond the department store, there was no turning back from the exceptional style and quality that just isn’t found in mass produced bags. 22 | Autumn 2010 | U MAGAZINE
“Changing your handbag can change your outfit totally. Get a jazzy handbag to make it pop.” “It’s like collecting artwork,” said Casey. “They’re all so different.” Casey has always enjoyed handbags, shoes and accessories. However her approach to fashion changed when her lifestyle did, and now handbags are her weakness. She moved to Bend three years ago from the San Francisco Bay Area where she wore suits and rarely changed her bag. Today she prefers casual, tailored pieces with unique bags. “Changing your handbag can change your outfit totally,” said Casey. “Get a jazzy handbag to make it pop.” She keeps her purse contents organized so it’s easy to change bags, from the black and white pin-striped clutch one day to the red bag another. “I didn’t have much of a purse passion until I went into Clutch. It’s such a unique store,” Casey said of the downtown Bend handbag boutique, crediting owner Larie Borden with expanding her sense of handbag style. Casey enjoys the frequent compliments she gets on her handbags. She finds it ironic that on visits to the Bay Area, her city friends ask where she got her stylish handbag. When she answers “Bend, Oregon,” they often don’t know where it is. Casey said it’s hard to choose a favorite bag since she “loves each one of them for their own uniqueness.” Yet one brown leather bag with gold rivets is “very cool” and gets noticed for the unexpected red and blue lining with an animal print. She also likes the small cosmetic and coin purses she has so she can slip money into them for a quick trip to buy milk. “Because the styles are unique, they are not going to become outdated,” Casey said. “They’re hip.”
Cultivate Your Own Handbag Style: Don’t be Matchy-Matchy: Bags don’t need to match shoes or anything else for that matter. Casey is considering purple for her next bag to pop with winter grays. Remember Proportion: Look at yourself in a full-length mirror to see if the bag works for your stature. Casey says as a tall woman, she can wear larger bags. Buy Quality: Casey appreciates the fine workmanship of her bags and knows the good quality will last forever. Think Outside the Bag: Casey said one clutch-style bag she has, which is lined in gold leather, at first seemed like an evening bag. With her new open-minded approach, she likes to carry that bag with jeans. Take Good Care of Them: When she travels, Casey packs purses in the felt bag which often comes with nicer purses to prevent scratches. Store purses empty and don’t pile things on top of them. U MAGAZINE | Image | 23
Skin Tips for FALL The days are getting shorter, the temperatures are cooler and the intensity of the sun’s heat doesn’t feel quite as harsh on your skin. According to Brazil Moon, an esthetician at Oasis Day Spa in Bend, don’t let the comfort of cool air fool you. “Living in Central Oregon, it’s a year-round battle to keep your skin healthy and hydrated,” Moon said. Even during the weeks of late summer and early autumn, it remains important to remain active in caring for and maintaining healthy skin and a vibrant complexion. To guide you toward this end, Moon offers the following tips:
Exfoliate
“To remove the signs of summer, from dead skin to age spots, exfoliating is one of the best things you can do for your skin since it stimulates new cell growth,” Moon said.
Choice of Product
According to Moon, choose products this fall that contain antioxidants, enzymes and hydroxy acids. “Antioxidants fight aging, enzymes will remove dead skin and hydroxy acids will help treat the aging signs of summer,” she said.
Hydrate
Besides keeping up your water intake — which is important any time of year — you can help fight dryness by applying skincare product that contains such ingredients as amino acids, primrose, chamomile and grape seed, according to Moon.
Protect
The sun can do damage to your skin any time of year, despite shorter days and cooling temperatures, says Moon. “Protect your skin with sunscreen even in the fall months,” she said.
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“It’s important here in Central Oregon because we deal with extreme weather year-round.” Moon says to select a sunscreen with a broad spectrum UVA/UVB, and apply daily.
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Image Innovations
by Sondra Holtzman, for The Bulletin Special Projects
Enhancing the Lashes
Eyelash extensions. Photos by Nicole Werner
Eyelash drops and extensions can offer more elegant lashes. The desire for longer, thicker, more alluring eyelashes is toward top of the A-list for many women. Few things tell someone to come hither more provocatively than a pair of beautiful, batting eyelashes.
Unfortunately, the long, dark and beautiful eyelashes desired by most come natural to very few. However, women can now rejoice as new innovations — drops and implants — are available that will allow women to achieve the very lashes they desire.
Latisse
In 2001, Allergan, a pharmaceutical company, developed a medicated eye drop to treat ocular hypertension, or pressure in the eyes. In addition to successfully lowering eye pressure, many people using this medication experienced a side-effect: they began to grow longer, fuller and darker lashes. The company began an intense study of the medication’s active ingredient (bimatoprost ophthalmic solution) for the sole purpose of generating eyelash growth. The result was a product called Latisse. Latisse became the first FDAapproved treatment for the enhancement of eyelashes. Latisse, Li Lash and Li Brow are simulators that increase the production of lashes and brows, making them longer, thicker and darker. Latisse is available by prescription only and can be costly at $120 to $150 for a month’s supply.
“Li Lash and Li Brow are more affordable treatments that achieve the same results,” said Becky Carter of Enhancement Center Spa in Bend, which sells all three products. “They are formulated by a physician to be powerfully effective yet safe enough to be sold without a prescription and cost about $100 for a four to six month’s supply.” Carter added that all three products require daily use, and eyelash growth can take between two to 12 weeks to occur.
Extensions
Eyelash extensions are another option for achieving those beautiful long lashes. The results, according Carter, is noticeable eyelash enhancement with the attractive benefit of immediate results that can last for two to four weeks. “This procedure does require repeat care and causes the loss of your natural lashes,” she said. Jennifer Umi, esthetician at CC Evans Salon in Bend, also endorses
eyelash extensions. “Eyelash extensions are one artificial lash applied to each one of your natural lashes,” Umi said. “At the end of the treatment, the client has about 40 or 50 new lashes on each eye in a process that takes about two hours. Extensions come in various lengths and thicknesses and can be customized to the individual’s tastes, producing either a natural or dramatic look, or anywhere in between. For eyelash extensions, expect to pay about $200, which will give you 40 to 50 new lashes on each eye. Eyelash extension “fills” (filling in new lashes) take about 45 minutes to an hour to apply and cost $65. These fills are necessary because a person will most likely lose a few lashes within a two-week time frame, because natural lashes grow in and eventually fall out. Umi likens the eyelash extension procedure to the application of artificial nails “Eyelash extension are a lot more dramatic and save time in the morning when getting ready for the day,” she said. “This procedure is very user-friendly. The client doesn’t have to do anything but enjoy the results.” U MAGAZINE | Image | 25
High Desert Life Styles
Professional Update 1
The kids are back in school with their new digs. Follow suit and take advantage of the changing season to update your professional wardrobe and accessories. 2 1. Printed Chiffon Scarf: The scarf has truly stood the test of time in. This fall, add sophistication to an otherwise simple ensemble. $14
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2. Chunky Necklace: A bold, chunky necklace dresses up just about any outfit. Neutral colors and organic shapes are perfect for the office. $62 3. Brushed Metal Cuff and Teardrop Earrings: Coordinating a cuff bracelet and a pair of earrings adds variety to a jewelry wardrobe. Avoid overdoing accessories by choosing to wear oversized earrings without a necklace. Earrings: $12; Bracelet: $58
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4. Wrap Neck Top with Coordinating Geometric Skirt by Cut Loose in Earth Sea: These no-fuss coordinates are machine washable. Worn belted or not, the tunic-length top and bilength skirt feature soft lines that flatter most figures.Top: $88; Skirt: $88 5. Lightning Elephant French Journal: The perfect place to jot down ideas, notes and sketches. $9.95
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6. Reading Glasses and Case by I.C.U. Eyewear For the fashion-conscious woman looking for new readers, I.C.U. Eyewear offers a variety of vibrant colors and styles to match your mood. $24
Photos by Nicole Werner
26 | Autumn 2010 | U MAGAZINE
7 7. Satchel by Shiraleah in Pewter: Shiraleah’s satchel is large enough to fit all of your daily necessities, yet sleek enough to complement your wardrobe. $62
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8. Laughing Elephant Pocket Mirror: Keep this beautifully finished mirror in your purse or your desk drawer for a mid-day once-over. $8.95
9. Rain Jacket by Ubu Lightweight and packable, the Ubu rain jacket can go with you anywhere so it’s with you when the weather turns. $140
Items courtesy of Ina Louise in Downtown Bend.
U MAGAZINE | Image | 27
Sharing Success ... by Kathy Oxborrow, for The Bulletin Special Projects
Local business leaders create a Women’s CEO Team for advice, support and to share experiences from the workplace.
28 | Autumn 2010 | U MAGAZINE
What do the CEOs of a soft drink company, a jewelry manufacturer and a magazine publisher have in common besides being the heads of their companies? In this case, they are all women entrepreneurs who meet monthly to advise and support each other. Formed in January as part of Opportunity Knocks (OK), a local nonprofit business organization, the Women’s CEO Team has 11 members from non-competing businesses. The companies range from a furniture retailer to a firm specializing in criminal justice and social issues. Sarah Laufer, CEO and co-founder of Play Outdoors, a retailer of kids outdoor clothing and gear, was the impetus behind the group. She contacted Susie Stevens, executive director of OK, about establishing the group. Laufer was looking for a place where she could learn how to enhance her business and reach out to women with experience leading businesses. “Our challenges in our business environment are different than a man’s challenges might be,” Laufer said. “We feel a camaraderie and an understanding because we share those challenges.” Even though their businesses are distinctly different from each other, they face common concerns. In the eight months that they’ve been meeting, they often address issues around human resources, marketing, business growth and raising capital — typical business issues that both male and females leaders confront. But the women say that the group dynamics of an all-women team are different than if men participated. “The focus is that we are women in leadership roles, and the way we look at situations is different as a woman leader,” said Betsy Scovborg, the CEO of Pepsi-Cola Company of Bend. “We
Sharing Challenges truly think differently.” What makes members sing the praises of this group is their ability to be candid about their business challenges, knowing that they are going to get excellent advice from their peers. Team members say the group is a place where egos don’t exist and members can be open and honest about the their struggles and business issues. “I don’t have to worry about how I will be judged if I say something,” said Heather Huston Johnson, publisher of 1859—Oregon’s Magazine. Suzanne Lafky, the newest member of the group and CEO at Nashelle Jewelry, said she sensed at her first meeting that there was a level of comfort and security among the women. “I just kind of jumped off a cliff and let it all out,” she said. “I’m going to have faith that it’s purely confidential.” Confidentiality is a basic ground rule for all of Opportunity Knock’s 28 teams. “For a team to succeed, you have to have three elements: confidentiality, commitment and accountability,” said Stevens.
Members of the Women’s CEO Team include (left to right) Chris Schroeder Fain, Suzanne Lafley, Karen Wolfe, Meg Thompson, Heather Huston Johnson, Connie Druliner and Betsy Skovborg. Not pictured are Laura Cooper, Sarah Laufer, Marcia Morgan, Katie Tank, Noelle Tuber and Jody Shasek. Photos by Nicole Werner.
“There’s something magical in this group, and it’s refreshing and simulating to be part of it.” “Without having all three you can’t have a successful team.” While the businesses the women head are diverse, there is also diversity in age and experience. Some have small children just entering school while others are enjoying their roles as grandmothers. They all understand the importance of balancing their work and personal lives. “It’s a really outstanding group of smart interesting women,” said Pepsi’s Skovborg, who joined the group looking for innovative ways to expand her business. For some of the women, like Johnson who are new to being in top leadership positions, having others with whom to confer has been invaluable. Johnson said the OK membership paid for itself in the first meeting. “I feel so lucky to be a part of the group,” she said. “I was hesitant to be involved because of time, but I am learning so much from these women.”
Laufer noted that when you’re in a leadership role, there’s not always someone there to tell you that you’ve made the right choice. “It’s nice when I hear my colleagues say, ‘You’re doing what you need to do, keep doing that,’” she said. Two seasoned businesswomen facilitate the team: Connie Worrell Druliner, owner of Express Personnel Services, and
Christine Schroeder-Fain, a vice president at Morgan Stanely Smith Barney. Schroeder-Fain said the women are active and dedicated to having successful and innovative businesses, and she considers it an honor to cofacilitate the group. “There’s something magical in this group, and it’s refreshing and simulating to be part of it,” she said.
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Financial Advice
by Morgan Stanley Smith Barney LLC, Courtesy of Christine M. Schroeder, for The Bulletin
Intelligently Give Away Your Assets During Your Lifetime
Giving away your financial assets can be more complicated than just writing a check. If you want to engage in lifetime gifting of some of your assets, you should be aware of certain rules. For instance, in 2010, the maximum annual gift tax exclusion amount is $13,000 per person. The lifetime federal gift tax exclusion amount is currently $1 million, and it will remain at that level through 2010. The top federal gift tax rate is 35 percent for 2010 (the maximum that your heir may need to pay on your gift). Any portion of the gift tax exclusion used will reduce dollar-fordollar your estate tax exclusion available at death. In light of all this, you may want to consider some creative lifetime gifts. For one, charitable trusts can offer you several financial benefits, including the potential deferral of capital gains taxes, as well as possible gift and estate tax savings. They may also serve as effective vehicles for transferring wealth.
Charitable Remainder Trust
A Charitable Remainder Trust is a tax-exempt way to distribute income from the trust to beneficiaries for a period of time, after which remaining assets are distributed to charities of your choice. You determine the time
frame of the trust—it can last a lifetime or for a fixed term of up to 20 years—as well as the amount of annual payouts. There are some requirements that you should know about. First off, the annual payout for the length of the trust or the life expectancies of the beneficiaries (which would be you or your spouse) cannot exceed 50 percent or be less than 5 percent of the value of the trust. And a private foundation or donoradvised fund may be named as the charitable remainder beneficiary. Highly-appreciated assets owned by the trust can also be sold without an immediate capital gain, which may allow for an increase in current income as well as income tax deduction. However, the type of assets gifted and the type of charity receiving the gifts, as well as your adjusted gross income, are all taken into consideration in determining your charitable income tax deduction. What’s more, there may be income tax due on your annual payouts from the trust.
Charitable Lead Trust
Charitable Lead Trusts are funded with assets that are, preferably, expected to appreciate. The charity of your choice receives a fixed annual payout from the trust, and the remainder goes to your family members at the end of the charity’s payout term.
Unlike charitable remainder trusts, charitable lead trusts are not tax-exempt. However, tax implications differ between a grantor CLT and a nongrantor CLT. With a grantor CLT, you are treated as the trust’s owner for income tax purposes and are responsible for paying taxes on the income generated. However, there is the potential to receive an immediate charitable income tax deduction for a portion of your contribution to the CLT. In the case of a non-grantor CLT, no upfront charitable deduction is allowed for income tax purposes. However, the CLT itself receives a charitable income tax deduction each year for the qualifying distribution it makes to charity. The primary benefit of a CLT lies in its potential gift-tax advantages. The value of the donor’s initial gift to the trust is determined by three factors: a government-set interest rate, the length of the trust and the payout to charity. When the government-set interest rate is low, the value of the donor’s gift is reduced for gift tax purposes. So CLTs are particularly attractive in periods of low interest rates.
A Grantor Retained Annuity Trust
A Grantor Retained Annuity Trust allows you to pass assets you believe will appreciate
in value to family members at discounted levels. You contribute assets to a trust and receive a fixed annuity payment stream for a specified period of years. At the end of the trust term, the remaining assets and their appreciation (if any) are distributed to your beneficiaries. Since the value of the gift is reduced by the present value of the annuity
Christine Schroeder is a Vice President, Wealth Advisor at Morgan Stanley Smith Barney located in Bend. She may be reached at 541-617-6015 or on the Web at www.fa.smithbarney.com/ schroederfaingroupsb.com.
Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor. ©2010 Morgan Stanley Smith Barney LLC. Member SIPC. 30 | Autumn 2010 | U MAGAZINE
The LLC or FLP is made up of managing or voting interests and nonvoting interests, and you could gift the nonvoting interests to your children and grandchildren. Since the non-voting interests gifted to your children and grandchildren lack voting rights and are not readily marketable, they might be discounted for gift tax valuation purposes.
payments, you could structure a payment schedule and payout amount that could result in a minimal gift-tax value. However, if you die before the end of the specified term, some or all of the remaining trust property would be included in your estate and subject to estate taxes.
Life Insurance
Life Insurance can help replace your estate and gift tax liabilities. Life insurance often provides a substantial benefit for relatively small costs. A life insurance policy may be used by itself to increase the size of your estate, or it may be used for cost-effectively paying estate taxes. Plus, the proceeds of life insurance are typically income-tax free to the beneficiary. And with careful planning, these proceeds may also be received estate tax-free.
be free of gift- and generation-skipping transfer taxes. Income or principal from the trust may be distributed to your children, grandchildren and great grandchildren as specified in the trust document. The provisions could tie those distributions to incentives, such as maintaining gainful employment, and permit distributions for funding businesses or purchasing homes for the use of beneficiaries or other activities. There also may be provisions in the trust document to gift a percentage of the assets directly to a charity or family foundation. Assets remaining in the trust are protected from creditors and divorce judgments.
Dynasty Trust
A Dynasty Trust could allow you to establish a source of funds for multiple generations. Here’s how it generally works: You would fund the trust with an amount up to your and your spouse’s lifetime gift tax exclusions. The trust assets, including any growth, will remain free of federal transfer taxes (i.e., estate, gift and generation-skipping transfer taxes) for as long as they remain in the trust. In certain states, such as South Dakota, the trust may theoretically last forever. And the plan could be designed so that any distribution from the Dynasty Trust would
Limited Liability Company or Family Limited Partnership
A Limited Liability Company or Family Limited Partnership may help reduce the size of your estate for transfer-tax purposes.
Create Your Estate Plan
Discuss your estate planning objectives and concerns with your Financial Advisor and your tax and legal advisors. Together, you can develop an estate plan that best addresses your financial and familial situations.
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