Woman Newspapers, Dauphin County, Mar/Apr 2014

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dauphin county edition march/april 2014

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Editor/Publisher Louise Sukle

lsukle@womannewspapers.com

Sales Manager Dave Brown

publisher’snote

daveb@pressandjournal.com

If the barons of Wall Street possessed an extra X chromosome, would the financial crisis have happened? This implies of course, it may have been caused, in some sense, by masculinity run amuck.

The lingering post-financial crisis debate of how things might have been different if more women worked in finance and whether women can be the agents of change is likely to continue for many decades to come.

But for now, let’s dwell for a moment on the fact that in addition to her glass-ceilingbreaking status as the most powerful economist in the U.S., the new head of the Federal Reserve, Janet Yellen, will be the first woman to head a central bank in any big Western nation.

And yet, there is still a Mad Men-esque vibe about women and money.

Sex and the City may have left an unanticipated legacy for women in terms of sexual freedom and fashion but it also left us with some unflattering stereotypes — the worst being that women are bad with money. Remember when Carrie Bradshaw couldn’t afford a down payment on an apartment because she had spent $40,000 on shoes?

That all women are Carrie Bradshaws when it comes to money is just one of many myths and misconceptions out there when it comes to women and finance.

The frivolous little lady incapable of balancing her checkbook may be an annoying stereotype, but the truth is more women are likely to handle the control of American checkbooks than men. Women account for 85% of all consumer purchases, including everything from autos to healthcare. And women will control two-thirds of the consumer wealth over the next decade.

Despite the lingering cliche that even in 2014 there are women anxiously waiting around for Mr. Right to take care of them forever, more than half of American women are happily taking care of themselves. According to a 2012 Prudential Financial survey, 53 percent of the more than 1,400 women surveyed were heads of their households. A quarter of those surveyed were married women who made more than their spouses.

When most people think of financial icons, the names Warren Buffet or Ben Bernanke probably come to mind - certainly not the late Muriel Siebert, who became a legend on Wall Street as the first woman to buy a seat on the New York Stock Exchange and remained the solo female for almost a decade. “For 10 years,” Ms. Siebert said, “it was 1,365 men and me.”

Our nation’s finances will now be guided by a 67-year-old trailblazer named Janet. The question people will be asking now is WWJD, What Will Janet Do, and women - and the world will both be keeping a watchful eye out for the answer to that question.

Louise Sukle Publisher/Editor lsukle@womannewspapers.com

photo by in the moment photography by hollis

If you’re given a choice between money and sex appeal, take the money. As you get older, the money will become your sex appeal.”

— Katherine Hepburn

Advertising Representative Tina M. Rinehart 717-421-3247 tinarinehart@pressandjournal.com

Sales Assistant Sara Egan

saraegan@pressandjournal.com

Creative Consultant Julianna Sukle

julianna@juliannasukle.com

Contributing Writers Debra Baer Becker dbbecker2@yahoo.com

Lisa Rae DeRosa

lisaraeseries@aol.com

Brenda Tadych

sumthin2say@hotmail.com

Lisa Houserman

houserman46@gmail.com

™ Dauphin County edition Cumberland County edition Web site: www.womannewspapers.com

E-mail: louisesukle@womannewspapers.com

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Press And Journal Publications

20 S. Union Street, Middletown, PA 17057 Tel: (717)944-4628 Web site: www.pandjinc.com E-mail: info@pressandjournal.com Woman newspapers, Dauphin County and Cumberland County editions, are published bimonthly and are available free of charge, by subscription, display stand in approved private and public establishments and authorized locations only.

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This newspaper will be published by the 15th of every other month.

Representations by Woman newspapers, a wholly owned subsidiary of Press And Journal, Inc. ©2002™.

www.womannewspapers.com mar • apr 2014

3

A resolution you can keep all year:

The one-day identity checkup Exercise. Lose the weight. Answer every incoming e-mail.

Those are the hard kinds of resolutions, because you have to think about them every day. But here’s one important resolution, one you can fulfill today and easily keep all year: protect your identity.

Identity theft is a fast-growing crime, but there are ways to reduce your chances of being a victim. Identity theft protection experts recommend doing these five quick things today to help keep your identity safer all year long:

Use safe passwords Are you among the people who use simple passwords like “123456” or “qwerty” or “abc123” to protect your personal information? Or even the word “password” itself? Many people do, so identity thieves can often break in just by trying the most popular passwords.

To create a safer password, avoid using words that are in the dictionary. And stay away from your own personal information, like a nickname, pet’s name or birthdate. One option is to come up with a memorable phrase that includes numbers and symbols, and use the first letter of each word. “My Tigers are Number One in Football!” might become “MTaN1iF!” - a good example because it uses capital letters, lower-case letters, a number and a symbol.

Use multiple passwords Stop using the same password for every account.

Several big companies and websites have recently had their users’ personal information stolen by hackers. If your password for one site is compromised, and you use the same password for your bank and credit accounts, it’s much easier for a thief to get into all of them.

At least have a different password for each account that has personal or financial information. And consider using a password-management program, which lets you set more cryptic passwords for each site you visit and control them with one master password.

Stash that Social Security card Do you carry your Social Security card in your purse or wallet? Don’t.

You may, on a rare occasion, need to show a Social Security card to an employer or a government agency. Aside from those days, keep it locked up in a safe place. Your Social Security number is a thief’s ticket to everything from opening new accounts in your name to stealing your tax refund. Don’t run the risk of losing it.

Protect your mail Do your bank statements, credit card bills and utility invoices arrive by mail? If your mailbox is outside your house, thieves can take those bills and collect personal information that helps them steal your identity. And once those documents are in your house and no longer needed, they can be stolen from a trash can or recycling bin.

First, if your mail is delivered outside your home, install a locked mailbox. And use a shredder, or the shredding services offered by local shipping stores and some credit unions, to destroy documents once they’re no longer needed.

But you can also take steps to keep that paperwork from ever arriving at your home in the first place.

Have bills sent to you electronically; you’ll get them by e-mail, save paper, reduce clutter and never have to worry about stolen mail or shredding. Opt out of credit card and insurance offers by visiting www.optoutprescreen.com. And dramatically reduce the amount of unsolicited mail you receive by opting out of junk mail at www.dmachoice.org.

Be prepared for a loss If your wallet or purse is stolen, you’ll want to cancel all of your credit and debit cards before they can be misused. Keep a copy of each of your cards, or use a digital wallet program. It gives you instant access to copies of your cards and also helps you track your balances, monitor transactions and cancel cards that are lost or stolen.

Do these things today and you can proudly declare that you’ll keep at least one resolution all year long: Protect your identity.

Source: BPT. You can learn more about identity theft, and ways to keep you and your family safe, from the Federal Trade Commission at www.consumer.ftc.gov and from LifeLock at www.LifeLock.com/education

4

mar • apr 2014

www.womannewspapers.com

Why name a guardian for my child?

By Jacqueline A. Kelly, Attorney at Law For those of you who have children under the age of 18 it is important to name a Guardian for those children.

A Guardian is a person(s) who is named or appointed to make all decisions for a minor child (or incapacitated person), including medical, personal, and sometimes financial decisions.

These decisions could involve such major life choices as schooling, housing and religion.

The naming of a Guardian for any minor children is one of the most important ways that those children can be protected.

By naming a Guardian, you can ensure that you have named a person(s), of your choosing, to be in charge of raising your children if you pass away. Typically, a Guardian for minor children is named in a Last Will and Testament. If no Last Will and Testament exists or if a Guardian is not designated, then the court will appoint a Guardian, and it may or may not be a

person(s) you would have chosen.

Choosing a Guardian can be a very difficult task that young parents are faced with and is often the reason many parents will delay creating their Wills. When I was choosing a Guardian for my young children, I realized there is no perfect choice. I also realized that I would not be able to replace myself in my children’s lives, that I must think about someone who could come as close as possible — someone who shares my same values and beliefs and is naturally a part of my children’s lives.

Another consideration when choosing a Guardian is whether that person is willing and able to take on that responsibility. If the Guardian has severe health issues or other personal issues that would not allow them to properly devote their time to the children, then they might not be a good choice to act as Guardian.

Finally, you can decide whether or not you want the Guardian to be in charge of your children’s finances. Oftentimes, it is best to name a Trustee as the person in charge of any funds your children would inherit from you.

These decisions are also complex, but extremely important, and will be discussed in another article.

WHO

If you have children under the age of 18, it is very important that you take steps to plan for their future should something happen to you. One of the most important steps you can take is to name a Guardian for them. An experienced estate planning attorney can help draft your Will and guide you through the process of choosing the Guardian.

Jan L. Brown and Associates is a law firm founded in 1993 to help families. The firm has over 40 years of combined experience and practices exclusively in the areas of estate planning, probate and elder law. Estate planning includes Wills, Powers of Attorneys, Living Wills, Trusts, Tax Planning, Special Needs Trusts and Guardianships. Elder law addresses the legal issues of seniors, their families and those who care for them including obtaining benefits, such as Medicare, Medicaid and VA benefits and protecting assets from nursing home care costs. The information presented is for educational purposes only and should not be taken as legal advice as every client and situation is different and requires specific review and analysis.

If you would like an appointment, please call (717) 541- 5550.

makes the financial decisions in your house?

The Law Office for Older Persons Their Families

&

Jan L. Brown & Associates Attorneys-at-Law

Attorney Jan L. Brown

Practice Exclusively In: •E state Planning & Probate: Wills, Trusts, Powers of Attorney, Tax Planning, Special Needs Trusts

In 80% of all households, it’s a woman.

Attorney Jacqueline Kelly

Find out how you can market directly to the decision-makers.

•E lder Law: Protecting Assets From Nursing Home Costs, Qualifying for Benefits, Incapacity Planning

845 Sir Thomas Court, Harrisburg 17109

(717) 541-5550 www.janbrownlaw.com

Call Tina Rinehart at (717) 421-3247

Attorney Christa Aplin

Members of the National Academy of Elder Law Attorneys

www.womannewspapers.com mar • apr 2014

5

Women must plan carefully for retirement Submitted by Chris Dixon, AAMS Edward Jones Financial Advisor If you’re a woman, you have to be actively involved in your financial preparations for retirement - and that’s true whether you’re single or married. As a woman, you have at least two special considerations associated with your retirement planning: You’ve got a longer life expectancy. Women typically outlive men by about seven years, according to the U.S. National Center for Health Statistics - and more years of life mean more expenses.

You may have less money in your retirement plan. Women drop out of the work force for an average of 12 years to care for young children or aging parents, according to the Older Women’s League, a research and advocacy group. This time away from the workforce results in women accumulating much less money in their employersponsored retirement plans, such as 401(k)s.

The prospect of a long, underfunded retirement is not a pleasant one. Fortunately, there’s much you can do to avoid this fate. For starters, know what’s going on in your financial situation. If you are married, share the responsibility of making investment decisions. What are your retirement goals? Are the two of you investing enough to eventually achieve these goals? And where is the money going? You must know the answers to these questions.

You’ll also need to know what you could expect to receive if your husband dies before

you. As a surviving spouse, you will likely inherit all your husband’s assets, unless he has specifically named other people - such as grown children from an earlier marriage - as beneficiaries. Nonetheless, you can’t just assume that all sources of income that your husband receives will automatically roll over to you. For example, if your husband were to die before you, you wouldn’t get his Social Security payments in addition to your own, although you could choose to collect his payments instead of yours. But if you both earned close to the same income, you might not get much of an increase in Social Security benefits.

In any case, whether you’re married or single, here are some moves that can benefit you: “Max out” on your 401(k). If you can afford it, invest the maximum amount into your 401(k) and increase your contributions every time your salary goes up. Your 401(k) provides you with tax-deferred earnings and a variety of investment options.

Contribute to an IRA. Even if you have a 401(k) or other employer-sponsored retirement plan, you might be eligible to contribute to a traditional or Roth IRA. A traditional IRA offers the potential for tax-deferred earnings, while a Roth IRA potentially grows tax-free, provided you don’t take withdrawals until you’re 59-1/2 and you’ve had your account at least five years. You can fund an IRA with virtually any investment you choose.

Do whatever it takes to help ensure a comfortable retirement - and the sooner you start planning, the better.

If You Aren’t at Your Last Job, Why Is Your 401(k)?

Leaving a 401(k) with a previous employer could mean leaving it alone with no one to watch over it.

At Edward Jones, we can explain options for your 401(k) and help you select the one that’s best for you. If you’d like to roll it over to an Edward Jones Individual Retirement Account (IRA), we can help you do it without paying taxes or penalties. And you can feel confident that someone is looking out for you and your 401(k).

To find out why it makes sense to talk with Edward Jones about your 401(k) options, call or visit your local financial advisor today. www.edwardjones.com Member SIPC

Christopher B Dixon, AAMS® Financial Advisor .

29 S Union St Suite 110 Middletown, PA 17057 717-944-1206

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mar • apr 2014

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Small businesses identify growth strategies

By Jo Orons, Allegra Marketing Print Mail New research by the Winterberry Group forecasts direct mail will account for nearly one-third of direct and digital spending in 2014, the largest spend of any U.S. direct mar-

keting channel.

Print communications are highly effective marketing tools because they can reach most any audience, can be customized and are often retained for future reference. Following are key considerations when using print strategies: Define marketing goals.

To implement a successful campaign, carefully plan your marketing efforts. What types of marketing have produced the best results in the past?

Do you have existing marketing or identity elements such as color schemes, logos and graphic designs? Using these as part of your campaign cannot only help save money, but create consistency and continuity to aid customer recognition and recall.

What are you trying to accomplish with your print communications?

Introduce a new product or service?

Boost seasonal sales? The more specific you can be, the easier it is to develop a strategy for achieving your goals.

Identify your audience.

Who is the target for your information? How can you define your audience in terms of demographics (age, geographic location, gender, etc.) as well as psychographics (lifestyle)? What do you know about the audience’s needs and preferences? What kind of relationship do you currently have with the target audience?

This information will help you and your printer decide what type of materials will be most effective. For example, if you are targeting seniors, your marketing will vary greatly from what you use to reach high school seniors.

Develop a campaign.

For marketing to be effective, a prospect must see or hear of your product or service multiple times. Marketing efforts that are part of a strategic, conscious campaign are more effective than those that are piecemeal or tactical in nature.

In most cases, prospective buyers need time to consider your product or service. Typically, the buying process begins with building awareness, followed by stimulating interests, urging evaluation and then trial. Ultimately, the goal, of course, is to gain a committed, repeat customer.

Evaluate your efforts.

Determine how you will evaluate the success of your marketing efforts

early in the campaign. Do you want to track new customer inquiries? Test responses in new geographic areas? Track your success among a particular market segment?

Your communications partner should be equipped to implement your marketing program through a full range of services including full-color printing, graphic design services, pre-press file preparation, bindery and finishing, mailing services, fulfillment, promotional products and more.

Smart businesses are using sourc-

es that can help them optimize their marketing efforts. And, that means more time for you to pay attention to the ink that really matters: staying in the black.

Jo Orons is the co-owner of Allegra Marketing Print Mail formerly A-Plus Marketing & Communications who consults with businesses and organizations about their strategic marketing initiatives. For information, visit the company’s website at www.allegraharrisburg.com at or email at Info@allegraharrisburg.com.

Putting the thrill in small business marketing ... that’s Allegra.

• Direct Mail • Graphic Design • Full-color Printing • Marketing Planning • Signs & Banners • Mailing Services

For a FREE one-hour consultation, contact Allegra today.* (*Offer expires (*Offer expires 4/30/2014) 02/28/2014)

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• 6951 Allentown Blvd., Harrisburg | 717-839-6390 | www.allegraharrisburg.com www.womannewspapers.com mar • apr 2014

7

A Woman’s Guide to Social Security Social Security will likely be the foundation of your retirement income, so it’s important to understand the facts about your benefits, why Social Security is particularly important to women and what you can do now to help make sure you have the income you need throughout your retirement.

Social Security is an important part of your retirement income, but it isn’t intended to provide for everything. It’s just one piece of your overall retirement plan. Review your savings and investments to be sure you have an income strategy that can work toward providing for the needs that Social Security will not cover.

A successful retirement should plan for your retirement expectations, including your goals and

income needs, and prepare for the unexpected items that could get your strategy off track.

Make sure your income strategy is designed to last throughout a long retirement. With a wellthought-out strategy, you can focus on the things you want to do in retirement, not how you’re going to pay for them.

What You Need to Know about Social Security Today to Prepare for Retirement Tomorrow Social Security benefits are based on how long you’ve worked, how much you’ve earned and when you start taking benefits. You can enter the year you were born to calculate your full retirement age.

• If you are single — Your benefit is based on your work history.

• To be fully insured, you must have 10 years of employment covered by Social Security.

Your benefit amount is based on your highest 35 years of earnings. If you have control over when you retire, consider working longer and delaying taking Social Security benefits. You can increase your benefit amount by up to 32% if you delay claiming benefits past your full retirement age (up to age 70). Working longer also allows you to continue to save and gives your untapped investments more time for growth potential.

• If you are married — Your individual benefit is the same as if you were single (see above), but you are also eligible for spousal and survivor benefits.

• If you are divorced — You are eligible for spousal and/or survivor benefits depending on the length of your marriage and your age.

A fact sheet from the Social Security Administration begins with this statement:

Social Security is neutral with respect to gender – individuals with identical earnings histories are treated the same in terms of benefits.

While that may be technically true, the reality is very different. The reason: Men and women rarely have identical earnings histories.

Why?

In general, women earn less than men. They also tend to have fewer years in the workforce because they move in and out to care for family. Lower earnings and fewer years in the workforce lead to lower benefits.

At the same time, Social Security is likely to be more important to women than men.

Three Reasons Why Social Security Is Important to Women #1

#2

#3

Single Women rely on Social Security for more of their retirement income than single men.

Women rely on Social Security for a longer period of time.

Women will likely be in charge of their retirement.

Social Security may represent a larger share of single women’s income (including widows and those who are divorced) than single men age 65 and older.

Almost half (48%) of unmarried women age 65 and older rely on Social Security for 90% of their income.1

Women typically live longer than men, so their retirement income may need to last longer.

Women will likely face many years of retirement on their own due to divorce or widowhood. A newly widowed woman’s income decreases by 50% on average, but her expenses decrease by only 20%.2

As women age and their health declines, they may need to turn to paid caregivers or a long-term care facility if they have no spouse or family members to help with their care, which could put additional strain on their finances.

While these statistics may sound discouraging, it’s important to understand that you are in control of your retirement. There are things you can do to better position yourself to prepare for the opportunities and challenges you may face.

One way to do this is to understand how your Social Security decision can affect your retirement income.

Reprinted from EdwardJones.com with permission. This information is believed to be reliable, but investors should rely on information from the Social Security Administration before making a decision on when to take Social Security benefits. It is general information and not meant to cover all scenarios. Your situation may be different, so be sure to discuss this with the Social Security Administration prior to taking benefits. Edward Jones, its employees and financial advisors are not estate planners and cannot provide tax or legal advice. Please consult your estate-planning attorney or qualified tax advisor regarding your situation.

1 Social Security Administration, www.ssa.gov. 2010 data.

2 LIMRA, MarketFacts Quarterly, Fall 2006

8

mar • apr 2014

www.womannewspapers.com

Financial partners

By Rose Turner, Director of Marketing & Communications, Harrisburg YMCA My husband and I are a great team.

We’ve been together for almost nine years, and married for almost three. In a given week, I make about 50% of the financial decisions in our household, and he makes the other half.

We love to budget, make charts and graphs and generally do nerdy things together. Whoever gets their W-2 first is responsible for taking the lead on filing our taxes with lots of input from the other.

There is never a moment that I do not have my thumb on the pulse of our financial situation. That’s why, when I read the Huffington Post Article “The Top 10 Financial Mistakes Women Make” by Sallie Krawcheck, it struck me as extremely unfair.

The article listed things like “Not asking for jargon to be explained” and “Signing your income tax return without reading it” as mistakes that women make. It made me feel like my womanhood would preclude me from making informed, responsible financial decisions.

All 10 of the “mistakes that women make” could have been made by my husband as well.

This article, written by a woman, was widely criticized by both men and women online. Many of them felt that this list should have been titled “The

ALL TOGETHER BETTER This year, start a new routine with the YMCA. The Harrisburg Area YMCA offers your family the opportunity to meet your goals together. Whether you are looking for a youth wellness center for your children, a great workout for yourself, or just a place to meet new friends, the Y is the place for you.

Present this advertisement for a complimentary pass to the West Shore YMCA. Some restrictions apply. Expires 4/30/2014 5/15/13.

WEST SHORE YMCA 410 Fallowfield Road Camp Hill, PA 17011 717.737.9622 www.YMCAHarrisburg.org

Exploring real estate investment options 012014_WOMMAG.indd 1

By Melissia Hinton, Realtor® Real estate is one of the few investments where using the bank’s money couldn’t be easier. The ability to make a down payment, leverage your capital, and increase your overall return on investment is incredible.

Usually when you think about investing in real estate the first thing that comes to mind is your home. For most, their home is the single largest investment they will ever make. But have you ever stopped to consider that once you purchase a home it becomes part of your overall portfolio of investments?

Though a home is one of the largest investments the average investor will purchase, there are other types of real estate worth considering investing in. The most common type is income-producing properties, which are typically purchased by individual investors in the form of smaller apartment buildings, duplexes or even single family homes or condominiums that are rented to generate income.

When planning to invest, it is critical to leverage the expertise of professionals that know more about certain areas of real estate and business than you do. Your team should include some or all of these individuals: realtor, general contractor, real

1/23/2014 8:49:46 AM

Top 10 Financial Mistakes People Make” and contained all of the same information without contributing to the gender bias. The implication that women are the dependent dummies that require handholding to read their income tax return before signing it is completely and totally annoying.

My advice applies to everyone – pay attention to your financial situation. Whether or not you are married, ask questions about your taxes and financial choices, start saving early, and make sure that you keep an organized repository to help you answer any questions that might arise. Hire help that you trust and question everything you don’t understand.

Everyone should take an active role in their finances, and the sooner you start, the better off you will be!

Melissia Hinton Realtor®

Thinking about selling your home?

estate attorney, insurance agent, home inspector, accountant, mortgage broker, private funding sources and a property manager.

Real estate investment allows you to have a fantastic tax shelter, monthly cash flow and equity from the day you purchase.

Keller Williams Realty Inc. is the largest real estate franchise company in the United States, with approximately 700 offices and 80,000 associates around the world. The information presented is for educational purposes only. If you’re interested in increasing your portfolio with real estate to ensure financial freedom, please contact me about the upcoming investors’ workshop at (717) 761-4300.

OF CENTRAL PA

4242 Carlisle Pike, Camp Hill Office 717.761.4300 Mobile 717.439.4470 www.kw.com

Each Keller Williams Office is Independently Owned and Operated

I want to be the real estate professional to help you. I commit to working with you individually and taking the time to understand the unique selling points of your home and neighborhood. I evaluate, price, and market them.

From listing to closing, I am committed to navigating the entire sale process for you, using my expertise to sell your home smoothly, for top price. I am your local real estate economics expert, sharing and interpreting the very latest data on the market—and what that means for pricing your home to sell.

I have the experience and knowhow to put a SOLD sign on your property.

www.womannewspapers.com mar • apr 2014

9

$

Are You Financially Prepared for Parenthood ?

The report finds that parents spend an average of $13,000

The cost of raising a child is on the rise, according to the “2013 U.S. Cost of Raising a Child” report, conducted by BabyCenter.com

annually on their kids. And while about two-thirds of moms feel that parents are spending too much, the vast majority of them are very optimistic about their future — the number of moms worried about having enough money to raise their children has

Transportation $1730

declined approximately 10 percent in the last year.

“Children are expensive, but couples aren’t letting that hold them back from starting a family,” says Carmen Wong Ulrich, a BabyCenter.com financial

ng usi 0 o H 99 $3

Childcare Education $2980

expert. “They’re exploring different ways of saving, such as moving back in with their parents or accepting money from in-laws. These can be good short-term solutions for couples getting started.”

To gain insight into their finances and take steps toward financial independence, parents can use a free budgeting tool, such as BabyCenter.com’s Cost Calculator.

YEARLY EXPENSES source: statepoint

10

mar • apr 2014

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Do I have grounds for divorce?

Should I leave the house?

Do I qualify for support of any kind?

What should I do about the bank accounts?

2080 Linglestown Rd. Suite 201, Harrisburg (717) 540-9170 Lori K. Serratelli, Esq. LSerratelli@ssbc-law.com

Cara A. Boyanowski, Esq.

How can I retain or secure custody of my children?

What can I do to improve my chances of being awarded primary custody?

Am I entitled to alimony?

CBoyanowski@ssbc-law.com

Answers to these commonly asked questions differ, depending on the complexity of the case. We strive to help clients understand what actions to take, based on their particular situation.

Serratelli, Schiffman & Brown P.C. has experience before all county courts throughout Central Pennsylvania in issues related to divorce, equitable distribution, alimony, child custody, child support and spousal support. We also assist clients with co-habitation and pre-marital agreements.

To prenup or not; that is the question

By Cara A. Boyanowski, Esq. When spring is in the air and “twiterpation” is at its peak, remember, somewhere between the time you “put a ring on it” and you are “heading to the chapel,” you may want to consider whether a prenuptial agreement is right for you.

As two individuals wishing to begin a business venture would never do so without first discussing and preparing a document setting forth who will run the business, what financial obligations each party will have toward the business, and how they will divide the assets and debts in the event the business venture fails, neither should two individuals wishing to secure their love through the bonds of marriage.

For two individuals who are young, without substantial assets, and entering into nuptials for the first time, a prenuptial agreement is usually not necessary.

For two individuals who are older, with children from prior relationships, owners of substantial assets, (real estate, retirement accounts, annuities, etc.) and entering into nuptials for a second time, a

prenuptial agreement is a necessity.

There should be two major issues addressed in every premarital agreement.

Namely, what happens to the assets of each party in the event of a divorce or death?

Under the Pennsylvania Divorce Code, any increase in premarital assets, as well as any assets purchased during the marriage, regardless of who purchased them, is considered marital assets subject to distribution.

Additionally, under the Pennsylvania Probate Code, a surviving spouse is entitled to an elective share of the deceased spouse’s estate, whether those assets are premarital or not. Only a prenuptial agreement can provide protection from these rules.

Getting the mortgage that’s best for you Contributed by Mid Penn Bank Whether you are a potential home buyer or you are already on the property ladder, you are probably aware there are several ways for you to capitalize on the current housing market. Have you considered, though, how you can get the best mortgage?

Here are the factors that will weigh the heaviest when considering and applying for a mortgage: The most important factor is your FICO credit score. Borrowers with high FICO scores, ranging between 740 and 830, are more likely to receive lower interest rates and more loan choices.

Another big consideration is the amount you are able to put toward a down payment and closing costs. “If you are looking for a loan that requires 5 percent down or less, there are several great mortgage options available, contrary to popular belief,” said Mid Penn Bank Mortgage Originator Angela Shifflet.

Also to be considered is the area where you will potentially be buying property. For instance, USDA loans, which can allow you to finance up to 100 percent of the home’s purchase price, are available to those purchasing homes in

rural areas.

A variety of loans are also available for certain circumstances. For instance, eligible veterans may be able to finance up to 100 percent of a home’s purchase price through a VA Loan.

Consider setting up a time to meet with a mortgage lender to discuss the best option for you. Bring along your W2, most recent paystub and most recent mortgage statement if you have one.

For more information or clarification on mortgage loans, speak with a financial advisor or representative.

Buying a home?

Not simple. But we make it easier.

Let one of our local experts assist you today… call our dedicated mortgage line at 1-855-290-9000.

Banking made simple.

1-866-642-7736 | midpennbank.com Member FDIC

www.womannewspapers.com mar • apr 2014

11

to b Wo e fe uld act Lisa Sho atur you eve and p Y ed lik ry i te ou in e Em tem fi ll her r Clo the ail: ts a you se ne lisa nd fl nee t? x t ra d a

Con t

Have a closet full of clothes and nothing to wear?

Woman’s Stylist Lisa Rae DeRosa helps women just like you!

ese

t a ries ters ju close @a st y t wh ol.c ou! er e om

SHOP YOUR

CLOSET Lisa Says:

Remember... looking good means feeling good - inside and out!

Whatever fashion style you are wearing at your age, own it and feel GOOD about it!

Animal Prints Lively prints push your comfort level? If zebra stripes aren't your thing, try small-scale animal prints like the leopard print cardigans shown here and pair with bright solids if you're feeling brave, or neutrals if you want to play it safe.

12

In this issue I am featuring two familiar faces who were Shop Your Closet rock stars! You may remember my daughter and mother from past issues.

They're back to demonstrate that fashion has no age limit if you style it correctly. Get inspired...see how the latest trends can work for every age. Ladies, fashion doesn't end at 40!

Red Pants I LOVE red pants...the question is, do you? When going bold on the bottom, the key to ageless wearability is to tone it down with dark neutrals or small-scale color prints. These gals both Rock the Red equally!

Lisa Rae DeRosa is a fashion consultant and stylist who specializes in fashion wardrobing on a budget.

Check out her website: www.lisaraederosa.com, twitter @LisaRaeStyle and facebook @Lisa Rae DeRosa

mar • apr 2014

www.womannewspapers.com

Look fabulous all the time, at any age, for any occasion!

Shimmery Metallics Styling metallics for all ages and shapes can be difficult. Softly draping fabric solves that challenge and my mom looks great in this silky silver dress with side gathers.

Above-the-knee skirts and dresses are usually reserved for the younger generation as Paige demonstrates in her fabulous metallic snake skin skirt, but I have successfully styled all ages in shorter lengths. One key for both: Wear heels to elongate your body.

manage your

MONEY

“ I don’t have to worry about Mom anymore.”

Are you prepared ?

• Thoroughly screened health care professionals • Clinical support 24 hours, 7 days

With a broad range of services and a team of professionals who are committed to keeping people of all ages safe at home, BAYADA provides:

15-year estimate Home Care per day Provides “hands off” care such as helping with cooking of costs for and running errands. Often referred to as “Personal Care Assistants” or “Companions.” This is the rate care in charged by a non-Medicare certified, licensed agency.

Pennsylvania*

2012 2027 $120.67 $125.37

• Nursing and assistive care

– Lisa B., Client’s daughter

Just beginning to think about long-term care? Almost 70% of people turning age 65 will need long-term care at some point in their lives. Just as there are many kinds of care services and supports, so is there a wide range of costs for them. And while some people may qualify for a public program to help pay for these expenses, most people use a variety of options. This section provides basic information so you can begin to think about how you will handle the need for these care services.

Homemaker Services Home health aide

With a broad range of services and a team of professionals who are committed to keeping With BAYADA Home Health Care… people of all ages safe at home, BAYADA provides:

$150.94 $148.67

Adult Day Health Care

per day Provides social and other related support services in a community-based, protective setting during any part of the day but less than 24-hour care.

2012 2027 Adult Day Health Care $56.00 $66.11

Assisted Living Facility per day

Residential living arrangement that provides individualized personal care, assistance with Activities of Daily Living, help with medications, and services such as laundry and housekeeping. Facilities may also provide health and medical care, but care is not as intensive as care offered at a nursing home. Types and sizes of facilities vary, ranging from small homes to large apartment-style complexes. Levels of care and services also vary. Assisted living facilities allow people to remain relatively independent.

2012 2027 Private one bedroom $104.38 $171.99

• A variety of payment options Client Mary W. with her daughter Lisa B.

• Nursing and assistive care • Thoroughly screened health care professionals • Clinical support 24 hours, 7 days

www.bayada.com

• A variety of payment options

Call 717-652-1130

Call 717-652-1130

www.bayada.com

When is the Right Time for Placement?

Making the decision to place a loved one in a memory care community is never easy. Often, those decision makers struggle with feelings of guilt, abandonment, and loss of control.

Arden Courts wants you to know that placing your loved one in a specialized community such as ours may improve your loved one’s physical and emotional health.

Call 717.540.7018 today to discover how early placement can benefit you and your loved one and learn about our 30-Day Trial Stay Program.

Nursing Home per day

(also called Long-Term Care Facility or Convalescent Care Facility) Licensed facility that provides general nursing care to those who are chronically ill or unable to take care of daily living needs.

2012 2027 Semi-private room $259.23 $487.18 Private room $286.00 $585.00 Source: U.S. Department of Health and Human Services http://longtermcare.gov/cost-ofcare-results/?state=US-PA# Data Source: Genworth Cost of Care Study 2013

2625 Ailanthus Lane Harrisburg, PA 17110 717.540.7018 Susquehanna@arden-courts.com 8359_Susquehanna_5x6.25_1.indd 1

Memory Care Community

1/24/14 5:11:38 PM

www.womannewspapers.com mar • apr 2014

13

BEFORE&AFTER WOMAN brings you the latest amazing makeover by Sass Salon & Day Spa: Haley, from Lewisberry

Haley before >

< Haley after

Bridget transformed Haley’s hair from blonde to a warm brunette graduating to a rich red using an Ombré technique. Bridget also cut a few inches off Haley’s length and added bouncy layers to create a new fresh look.

Tina gave Haley a relaxing pedicure to hydrate, shape and groom and then polished her toes to perfection with a soft petal pink.

Julie styled Haley’s hair using Paul Mitchell products and a curling iron to add body and shape to her new layers.

Bridget then put the finishing touches to Haley’s makeover with makeup emphasizing her gorgeous eyes, adding liner and false eyelashes to create a bolder look.

Haley, her aunt and little cousin were all treated to a rejuvenating Salt Therapy Session to help fight off winter illnesses by boosting the immune system while relaxing and enjoying salt therapy’s added benefits.

SASS salon ✿ Beauty Tip:

Lighten up! Spring is just around the corner and it’s time to lighten up with some sun-kissed highlights.

Want to be considered for our next makeover? Email Desiree at desiree@sass123.com 4931 Carlisle Pike, Mechanicsburg 717-612-0344

Monday to Friday 9 am - 8 pm, Saturday 9 am - 5 pm www.sassspaandsalon.com

Enjoy the health benefits of a

Salt Therapy Session %

50 off Expires 4/30/14

14

mar • apr 2014

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Redefine your aging neck: Gobble or glamour

By Leo D. Farrell, M.D.

• Eyelid Surgery • Facelift • Necklift • Nose Reshaping • Breast Augmentation • Breast Lift • Liposuction

When it comes to the sagging skin on the neck, many people find they cannot hide their age. They try to conceal their double chin, turkey wattle, neckbands, and skin looseness. They ask, “What happened?”. A stretched-out hammock is a good analogy. Along with aging, the skin loosens, and the underlying muscle sags and fat accumulates.

The best way to fully correct this is with traditional surgery. Removing excess fat, resuspending the deeper tissues, and redraping the skin can result in a more youthful contour. Liposuction alone in men and women with a good skin tone and elasticity can give significant improvement. However, most patients 55 years or older need more.

Traditional procedures, with incisions extending around the ear and into the hairline, are required to tighten the muscle and remove excess fat and skin.

A well-done neck lift will achieve a long lasting, youthful look.

Botox, fillers, and laser treatments

Leo D. Farrell, M.D., Board Certified Plastic Surgeon Call 717-732-9000 today!

are of further benefit to surgery, to address wrinkles and lines around the mouth. Deep grooves or “marionette lines” are best treated with fillers. Fillers are injected just beneath the skin surface. They smooth out lines and plump up the skin. Restoring volume to the face has received increased attention in recent years as an important adjunct to surgical procedures.

Over the past 16 years, there has been nearly an 80% increase in the total number of cosmetic procedures performed. Even though minimally invasive procedures have increased exponentially, there is still a role for more traditional surgery.

A neck lift usually takes two to four hours to perform. The cost is about $5,000 plus anesthesia and facility fees.

The recovery period is approximately two weeks. The most important step in neck rejuvenation is to trust your physician, who will guide you in the right direction to achieve your goals, with current techniques and procedures.

Reference: Cosmetic surgery national data bank statistics 2012

Chances are, you or someone you know has been affected by breast cancer.

Now accepting new patients

Choosing a doctor is never easy. Finding someone you can trust, who will listen to your questions and give you the answers you need... may seem impossible.

A project of The Foundation for Enhancing Communities, fiscal sponsor.

A nonprofit, grassroots foundation centered in love and rooted in family values with a mission to support those affected by breast cancer.

6-10 pm • May 17th

Brewhouse Grille 2050 State Rd., Camp Hill Call Megan for tickets: 717-319-2772

Bridget F. Berich, D.O., Gerald Woodward, M.D., John R. Mantione, M.D., Stephen Segrave-Daly, M.D. Deborah J. Herchelroath, D.O. Sandra Hoops, CNM Kristen Blocher, PA-C Kaitlin Opilo, PA-C

We’ve moved!

Please visit us at our new location:

At Woodward & Associates our approach to care is simple: We provide our patients with the same care we would want our own family to receive.

Why settle for anything else?

Caring For You Like Family

8105 Adams Dr., Hummelstown Suite B

Contact Megan Duffie Flor at mflor@lawyersrealtypa.com or at 717-319-2772 for information.

717-482-8115 • FAX 717-482-8364 • woodwardassociates.com www.womannewspapers.com mar • apr 2014

15

e’ll take W ood care of

g . l e g n a e l t your lit

Specials Now thru 4/28/2014  Micro chip 30% off  Cat & dog spay/neuter 20% off  Canine & feline dentistry 20% off

New heart worm preventative injection for dogs.

One injection lasts 6 months!

Don’t stress over party planning!

We come to you no matter what size or location!

Services include: Set up, Banquet Serving, Bartending, Private in home Chef, Valet & Clean up!!!

Accepting New Clients!

a

Dr. Nasir Shah, DVM

GETTYSBURG PIKE

NIMAL CLINIC

41 Gettysburg Pike, Mechanicsburg (next to Stauffers Of Kissel Hill)

AFFORDABLE CARE FOR YOUR PET

717-620-8103

Mon - Thur: 9AM- 7PM, Fri: 9AM-6PM

Women First Obstetrics & Gynecology, P. C.

Carpool.

Groceries.

Volunteer.

Music lessons.

Clean house.

Merry Maids can help.

Because We Care Margaret M. Hawn, M.D. Kenneth J. Oken, M.D. Andrew Perrotti, M.D. Emma Cargado-Leynes, D.O. Parul Krishnamurthy, M.D. Richard Crispino, M.D.

Krista Rebo-Massara, D.O. Gerald F. Maenner, M.D. Katharyn L. Kraemer, CNM Elaine Y. Greene, CNM Sharon L. Jones, CRNP Karen Stilp, CRNP

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Obstetrics & Gynecology Normal And High Risk Pregnancy Infertility Bone Densities

Laser Surgery Adolescent & Geriatric Gynecology Female Urinary Incontinence Robotic Surgery

OFFICE HOURS BY APPOINTMENT

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$40 off your first cleaning then $20 off Offer Description goes here. your next three cleanings

Offer good through 4/30/14. New or former customers only.

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Not valid with other offers. Cash value 1/1000 of 1 cent. ©2010 Merry Maids L.P.

At Merry Maids, we are committed to cleaning our own. We take the time to understand all y budget and customize an expert cleaning servi satisfied with every time – guaranteed.

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Offer good through 12/31/2012.New or former customers only. Can’t be or discount. Additional restrictions may apply. Offers are non-transferable ©2012 Merry Maids L.P. All rights reserved.

16

mar • apr 2014

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Healthy skin update: Dermatology advances

By David A. Amato, DO, FAAD

Aesthetic Services Microdermabrasion MicroGlow SkinMedica Peels Chemical Peels Cosmetic Treatments Botox Ultherapy miraDry Fraxel Sclerotherapy Micro-Needling Laser Hair Removal Juvederm, Voluma, Belotero, Restylane, Radiesse, Sculptra

zå All About...and Faces more

1 West Main Street, Hummelstown • 717-260-3711 • www.allaboutfaces.biz

Where to find a

THIS IS ONLY A PARTIAL LISTINGFOR HELP IN FINDING A LOCATION NEAR YOU, CALL SARA AT 717-944-4628

Major advances have occurred in the field of dermatology over the past five years.

There are exciting new medications available for common skin disorders such as psoriasis, rosacea and the treatment of skin cancer. Some of the most exciting developments include: Biologics for Psoriasis Psoriasis is a debilitating disease.

It is one of the most common skin diseases and for those afflicted, life can be miserable. It has also been a challenge to treat. Over the past several years new medical technologies have become available that are truly miracle drugs. As a whole they are called biologics. Many sufferers have had a great experience with these medications. If you or someone you know suffers from this skin disease, biologics can make a difference, many times a life-changing difference.

Rosacea Breakthroughs Over 14 million people suffer from

EAST SHORE LOCATIONS: Elizabethtown Now Wear This Harrisburg Area A Physical Therapist, AAA Central PA Travel Agency, AARP Sr. Employment, Affordable Dentures, All About Faces Community Dermatology, Arthritis Foundation, Associated Cardiologists, Auditor General’s Childcare Center, Babies R Us, Bakare & Associates, Barbara Sullivan’s Classic Hair Design, Baturin & Baturin, Baughman Family Medicine, Beauty Bar, Belco Federal Credit Union, Blue Mountain Family Practice, Broad Street Market, Bronstein Jeffries Professional Associates, Café Fresco, Caffeine Connection, Capital Region Sleep Disorder Center, Casual Cut, CAT, Central PA Oral Surgeons, Central PA Surgical Associates, Central Penn Fitness, Chartwood Dental Center, Colonial Park Animal Clinic, Colonial Park Diner, Cost Cutters, CPRS Physical Therapy, Crown Plaza Hotel, CVS, Darowish & Associates, PC, Dauphin County Department of Aging, Dina Nail Salon, Dr. Zuckerman, Dress For Success, East Shore Public Library, Exit Realty Capital Area, Express Nails Salon, Fantastic Sam’s, Felicita, First Choice Rehabilitation, First Impressions, Giant, HACC, Hair Biz, Harrisburg City Hall, Harrisburg Mall, Harrisburg Uro-Care, Harrisburg Visitors Center, Hildebrand Learning Center, Hilton Towers, Holiday Inn Express, Home Instead Senior Care, Homeland Center, Innovations, Jan L. Brown & Associates, Jan’s Beauty Salon, Jewish Family Services, Karns, Keystone Mobility, Kindred Place, Kline Pediatric Center, Kmart, La Piazza, Labor & Industry Building, Leber & Banducci Plastic Surgery, Mangia Qui, Manor at Oakridge, Mazzetti & Sullivan Counseling Services, Memorial Eye Institute, Mia Testarossa, Moffitt Heart & Vascular, New Passages, Noah’s Animal Hospital, Orbit Salon, Outback Steakhouse, Outlooks for Hair, PA Mentor Network, Party City, Pasquale’s Restaurant, Peachtree Restaurant & Lounge, PHEAA Building, Pheasant Hill Estates, Pinnacle Community Hospital, Premier Eye Care, Pressley Ridge, Promenade Restaurant, PSECU Childcare Center,

rosacea. Flushing, persistent redness and heat, and acne like eruptions are the hallmarks of this disease. Research has recently demonstrated elevated levels of tissue proteins play a role in the inflammation that starts the disease. New medications that can reduce redness and a variety of potent antioxidants which are effective in reducing the inflammation are now available.

Rejuvenation Aesthetic medicine can’t make you look like you’re 18 again, but it can sometimes make you feel like it. New compounds can actually reduce the deep lines around the lips and eyes without injections. Technologies to lift and tighten the skin without surgery are now a reality.

It’s never too late to look and feel great!

Dr. David Amato has been at the forefront of cosmetic dermatology for over 20 years.

All About Faces offers the latest breakthroughs in complexion care and acne treatments as well. For more information visit www.allaboutfaces.biz.

Quest Diagnostics, Rhoads & Simon LLP, Rite Aid, Sam’s Club, Saturn, Silvers Dental Care, Social Security Administration, Sterling Life Insurance, Susquehanna Harley Davidson, Sutliff Chevrolet, Sweet Arrow Springs, The Goddard School, Tristan Associates, Walter Koerber Jr. MD, Watkin Freshman & Nipple Associates, Weber Vision Care, Weis Market, West Hanover Winery, What If Café, WomanCare Resource Center, Women First, YMCA Hershey Cocoa Urology Associates, Dafno’s Italian Grille, Edward M. Mimnaugh Veterinarian, Emerald Springs Spa, Heritage Cleaners, Hershey Dental Associates, Hershey Endoscopy, Hershey Grille, Penn State Hershey Med Center, Hershey Ortho & Spine Rehab, Images by Conte, Karns, Leo Frittelli Salon & Day Spa, Hershey Public Library, Merle Norman Cosmetics, Select Collusion Group, Mohler Senior Center, Nestico Druby & Hildebrand, Physicians for Women’s Health, Susan M. Korch DMD, Tristan Associates, What If Café Highspire Best Western, Chubb’s Market, Hair Mechanics, Highspire School Apts., Highspire Senior Center, Subway Hummelstown AAA Travel, Gold’s Gym, Hilton Garden Inn, PaDanceSport, S oda Jerk, Woodward & Assoc.

Middletown Dailey’s Service Station, Hairacy, Hardee’s, The Hetrick Center, Karns, Kuppy’s Diner, McDonald’s, Middletown Area School District, Middletown Home, Middletown Library, Middletown Pharmacy, Penn State Harrisburg, Press And Journal Publications, Sharp Shopper, Steelton Daniel Kambic MD, Dauphin County Housing Authority, Steelton Pharmacy

www.womannewspapers.com mar • apr 2014

17

Eating right when money Catering is tight tastes to your

budget and

your

All too often, people attempting to tighten their belts in tough economic times discover that there’s a little more around the middle than there used to be. That’s because many of those cheap eats advertised in Sunday circulars are processed foods loaded with fat and sodium, while restaurant value menus often are packed with fried foods filled with empty calories.

Surprisingly, trying to reduce your food budget can be an opportunity to eat right, according to American Dietetic Association (ADA) spokesperson Sarah Krieger, a registered and licensed dietitian/nutritionist. “It’s actually a blessing in disguise,” she notes. “What I’ve seen is that people are really becoming aware of their food budgets.

As a result, people are eating out less and cooking at home more, which I’m so excited about, because cooking at home gives you the opportunity to create healthy meals.”

“A healthy meal doesn’t have to be a big expensive production,” agrees registered dietitian and ADA spokesperson Bethany Thayer. “With just a little bit of planning, meals can be convenient, healthy and inexpensive.”

Planning is key, Krieger says. Start cooking at home more, especially during downtime on weekends, and you’ll feel less rushed and flustered during the week. “Just planning meals ahead instead of stopping at the store after work to grab something can have a huge impact. You’ll start noticing a difference, feel better and feel better about how you’re spending your food dollars,” she advises.

What are some ingredients you should work into your plan to maximize your budget and benefit your family’s health? Krieger is a fan of locally grown produce. “Try to find a farmer’s market in your area. Remember that the less food has to travel, the less costly it will be. So look for seasonal items. “ Krieger notes that frozen fruits and vegetables are the next best thing to fresh and can be quite economical. “If you buy fresh produce and end up throwing half of it away, it ends up being more costly,” she says.

Look for those packaged without any sauce and choose a low-sodium version if it’s available.

“Protein sources are the next big question people have,” Krieger says. “I tell them that the more butchered a cut of meat is, the more you will pay for it. For example, boneless, skinless chicken tenders will command a premium cost, while a whole chicken will be far less expensive.”

She advocates comparing the price per pound shown on the package to find the best bargains. “You can also look for meatless sources of protein, like eggs, peanut butter, soy nut butter and beans. Beans are really the underdog; they are extremely nutritious and very low cost. You can blend them in with meat in chili and spaghetti sauce to get the most from your budget,” Krieger says.

No matter what you buy, stretch it by making use of leftovers. As Thayer advocates, “Rice and pasta can help stretch out a small amount of leftovers. Leftover chicken can be mixed with rice for a stir-fry or mixed with a pasta sauce over spaghetti.”

When times are tough and uncertainties abound, eating right can have a major impact of how you feel about yourself and the situation. “No matter what else is going on in the world, this is the one thing that you can control every day.” Krieger says. “You make the choice about what you will put in your mouth, whether it’s something healthy or fried foods and ice cream…the healthy foods can taste just as good and will be much better for you in the long run.”

Source: -IE News Service

manage your

MONEY

If you’re arranging a mealtime meeting, you’ll need to consider a few things when preparing and planning for this event. Get your meeting off to the right start.

From a simple box lunch for four to a larger scale hot food buffet, we can handle your needs.

LET US CATER YOUR PARTY OR BUSINESS FUNCTION

From Boxed Lunches to Hot Trays

18

mar • apr 2014

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1190 W. Chocolate Ave., Hummelstown 533-8999 11 am to 10 pm Daily, Closed Sunday

I

n the middle of last night, while I cleaned our elderly collie’s poop off his dog bed, lifting each odorous nugget with clean tissues, placing the pile on the disposable pad he sleeps on, working by the glow of my iPhone’s flashlight app and the silvery moon, all I could think of was getting back to bed. To sleep.

I sprinkled baby powder into Chance’s doggy-diaper, fastened the Velcro straps, and then patted his careworn, but still beautiful face, whispered soft words in his silky ear.

Then I slipped into bed beside the sleeping Hubster, eased my half of the blanket over me, and laid perfectly still, pretending sleep before it came.

The last thing I wanted to do was wake the Hubster.

The very last thing I wanted to do was wake an amorous Hubster.

This is why they always say, “Let sleeping dogs lie.”

That’s the idiom I have been operating under lately, and quite possibly why my favorite pajamas are flannel, shapeless, and printed with sleeping hounds. Until I find a pair of pajamas printed with the words Not Tonight, Honey hounds will have to do.

I’m 50-ish, but I’m active. I’m an exercising-health-and-style-consciousKaraoke-singing-Red-Hot-Chili-Peppersblasting-in-my-car-pink-stripe-in-myhair-50. Hey, I’ve danced to music by the rapper Pitbull*.

The author danced to one song by Pitbull at JAZZERCISE. *

I just don’t think about sex very often. Those thoughts are no longer front and center, but rather somewhere in the middle distance, and sometimes beyond my grasp.

I don’t know if my libido is asleep or playing possum.

I was just talking about this very thing with Ruby on Tuesday while we drove to the outlet mall. Tuesdays are 50Plus Perks Day at the outlet’s stores, which means you get an additional 10% off your purchase, a little hand-patting consolation for the middle-aged.

I said, “Ruby, do you ever play possum?”

She looked confused, so I added, “You know, play possum: make your whole body still, as still as death, and inhale so slowly that your breath can’t be

detected, and add a little rasping sound when you exhale. Do you play possum in bed?”

Ruby adjusted her seat belt, tucked a blond curl behind her ear and said, “Well, as a matter of fact, I do. Especially when he tries to nudge me out of my deepest and best sleep.”

Ruby explained that Steven is a morning person, a 4:30 a.m.-let’sroll-guy, and now we call him the Rooster.

She said that on a get-away weekend in Mexico, the Rooster wanted to cock-a-doodle-do every morning— thank you, Viagra—and now we call that the stay-away-from-me-vacation.

Ruby said, “What I want is more hand-holding, companionship, and fun.”

“I want an iPhone app that reminds me to think about sex every now and then.”

Ruby said, “They already have one of those. You can buy it on iTunes.”

What I really want is a romantic weekend away from our home, the Shady Ranch Senior Dog’s Rest Home, a place of washable doggy beds and doggy diapers, the home where only the dog is resting.

Chance sleeps a lot and he sleeps deeply, so much so, that sometimes we feel his nose to be sure he is still with us.

Things would be so much easier if my libido had a nose.

I am determined to call its bluff or wake it up or Frankenstein its ass back to life. So when the lady at the Cut A Rug Dance Hall said, “Your husband will have his hands on you for 30 minutes straight,” I signed us up right away. Ballroom dancing. I signed up Ruby and The Rooster, too.

Debra writes about women’s issues, the environment and her experience with breast cancer. She’s Mom to two gorgeous and courageous adult-sized kids and two rescued dogs. Visit her blog at www.womannewspapers.com and click on the “Blog” button.

www.womannewspapers.com mar • apr 2014

19

By Brenda Tadych

The five people Eddie met in Heaven weren’t mom or dad, brothers or sisters. It won’t ruin it for anyone who hasn’t read Mitch Albom’s book, The Five People You Meet in Heaven to tell you you would never guess any of them. Yet, they were pivotal people interwoven in the life of Eddie, the book’s main character.

The story took me immediately to three people in my own life whose actions I remember with heartfelt appreciation to this day.

The first was an elderly man who treated me to a bag of chips every time I tagged along with Dad to get the family pick-up order at Martz’s Tavern on the corner of Front and Conestoga Streets in Steelton. His seat was at the end of the bar, near the kitchen and the chips rack. I was about 3 years old. He never asked if I wanted anything, although he must have gotten the OK from my dad. I never knew his name, and he never waited for a “please” or “thank you”; he would just nod to the bartender as we waited for our burgers, and I’d get my bag of chips.

Why do I still remember it four decades later? It was the unselfishness of the act and simply being acknowledged.

Down the street from Martz’s was Rea & Derrick’s where the waitresses knew everyone by name, by address, and by whether the man of the house worked at the bar

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mill or the pipe mill at Bethlehem Steel. Gertie would not only butter my toast immediately so it melted into the bread the way I liked it, but she’d make me a Coke with cherry in it. I don’t know what the secret cherry ingredient was, but it turned that drink into something fit for a queen.

That would be me, sitting on top of my throne of telephone books - the booster seat of the '70s - so I could reach the table. No matter how busy Gertie got, she served without attitude and without interruption.

As I grew into a worldly fifth-grader who knew much more than any antiquated adult ever could, I experimented with pushing people’s buttons and seeing how much of a sneak I could be before getting caught.

Three of us girls would hide in an inconspicuous corner of the playground at our Catholic school and – dare I admit it – smoked cigarettes! My two partners in crime and I got away with it for some time until the unthinkable happened: Sister Sharon caught us in the act! She didn’t march us to the principal’s office or make us write “I will never smoke again” 100 times. She didn’t even call our parents. Instead she laid into us with facts about lung cancer and something about nicotine getting into our legs. She’d reached my weak spot. Track and field was a big deal for me in fifth grade. My record long jump was 11’ 6-1/2” and it won me second place. I couldn’t ruin my talent over a cigarette! She knew what she was doing. I quit smoking and went on to successfully compete in track and field through the 8th grade.

At a 30-year class reunion, the consensus is Sister

Sharon is still our favorite teacher.

Many years later I had an opportunity to be the giver instead of the receiver, and as I learned, the gift of a few words and a can of soda made a difference to someone.

From what I witnessed outside of my office window, a car pulled into our parking lot and it was apparent a squabble had taken place between a young girl and the driver of the car. The girl, either by choice or demand, exited the car and her combatant drove away.

She was of few words and said she was OK but didn’t divulge any details about the argument that sent her packing into our parking lot. She used the office phone to call someone to come and get her and then waited in our foyer for her ride. I sensed her isolation and abandonment and offered her a soda from the vending machine while she waited. She gratefully accepted.

Weeks later, I received a card from an unknown address. It began, “To the lady who helped me” and went on to thank me for letting her sit in our office and for giving her a soda. “I’m glad there are still good people in the world,” she wrote. Her letter left me with the knowledge that my one small act of kindness was someone else’s Coke with cherry.

Brenda Tadych is a lifelong resident of Dauphin County, currently residing in Middletown. She can be contacted at sumthin2say@hotmail.com.

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MY SUCCESS STORY by Aliyha Goforth

Great expectations Growing up, I had many high expectations to live up to. I was the first person in my family to attend college, and I was always taught to strive for excellence in everything I did.

I maintained Aliyha Goforth high grades throughout college and stayed actively involved in several community service projects.

I was very determined to discover my own path to living a life of purpose.

After graduating college in 2003 with my bachelor’s degree in business management, I dove right into the world of work with non-profit community development organizations.

After I had my first child in 2005, the relationship with my child’s father quickly deteriorated and he became very abusive toward me. I often felt overwhelmed from the stress, anxiety, and depression I suffered as a result of enduring this abuse. I knew that my child and I deserved a better life, so I began investing in my personal development and enrolled in a Life Coach training program.

This turned out to be a key turning

point in my life. I was able to start healing myself by releasing limiting beliefs that had been holding me back. It was then that I really discovered that my purpose was to help women empower themselves.

In 2010, life threw me another major curveball, and I found myself laid off from my job and only a few short weeks away from giving birth to my second child. Even though it looked like all the odds were stacking up against me, I resolved to create an opportunity for a brighter future for my children and I. When my youngest child was 6 weeks old, I finally fled the abusive relationship and relocated from Central Florida to Harrisburg, PA. The shelter we lived in referred me to Dress for Success South Central PA while I was in the process of searching for employment. The staff and volunteers at the boutique showed me personal attention and made me feel so valued. They inspired me to continue investing in my personal and professional growth. The suit was just the beginning of a brand new life for me and my family.

I discovered new creative talents that I never knew I had and also began volunteering as a youth mentor and Life Skills educator in my new community.

Once I found work, I also became involved in the Professional Women’s Group at Dress for Success South Central PA, learning so much from the guest speakers as well as the other clients who

participated.

My dream of working to empower others never faded. Three years after moving to Harrisburg, I was told that Dress for Success South Central PA had an open staff position. I knew that this was the perfect opportunity for me and I applied immediately.

After my first interview, I didn’t hear anything back. That didn’t deter me from being persistent and staying in contact with the CEO. Eventually I was called in for a second and third interview, and I landed my current position as Mobile Suiting Program Coordinator for Dress for Success South Central PA. My journey to success has had plenty of ups and downs, but it taught me that a dream deferred doesn’t mean it is destroyed.

I found the courage to start all over again so I could live a life I’m proud of.

With the help of Dress for Success South Central PA I learned that it’s never too late, or too early, to be whoever you want to be.

I am immensely grateful to this community service organization for reminding me of my potential and purpose in life.

MY SUCCESS STORY is a special feature sponsored by:

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The first on the list would be hearing the word “twerking.” I’d like to refrain from viewing such shenanigans, as well. For those of you who do not know about it, I refuse to describe the gesture in this space. Just ask a friend or utilize the Internet for the definition. One clue: Miley Cyrus lives for performing the “twerk” on stage. In doing so, she looks about as sexy as Sponge Bob Square Pants pole dancing. Does that clear it up for you?

Another list-maker would be the words “Obama” and “Care” used in ANY proximity to one another. I honestly

22

mar • apr 2014

don’t even want to hear a sentence like this: “Some say that Obama doesn’t care about the family dog.” The words have been so overused and abused that I can’t take it, even if they are separated by a contraction.

Although 2014 is a midterm election year, I wish to voice my opinion about two words that should be banned from exiting the lips of any politician. These words are more irritating to me than bathing in Ajax Cleanser with a splash of bleach.

Here they are: Family Values. Just whose values, in particular, are we to embrace?

Also, what is the true definition of family values? Once those questions are cleared up for me, I might revisit the whole scenario. Until then, enough of preaching family values across the land.

Moving swiftly to another topic on my hit list. I am appalled that certain folks seem to be in the “I’m waiting to be offended” aisle of the local supermarket.

Every other week Person A anxiously anticipates his/her chance to fake phony outrage over words spoken by Person B. After Person A is adequately upset, he then demands that Person B grovel for a while. I bet you can conjure an example or two from 2013.

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I would also like to 86 the following sentence: “We don’t have anything to eat.” Clearly, this is stated by the younger generation and it really grates on my last surviving nerve.

Our kitchen could be brimming with homemade stews, soups and other edibles, and still my kid would exclaim that there is nothing on which to nibble.

Plus, opening the fridge and freezer repeatedly will not miraculously lead to more foodstuffs being located within.

Yet another plague that has me in an uproar: I loathe reading an article, e-mail, book, etc., and seeing exclamation points at the end of every, stinkin’ sentence. What is the deal? This mark should only be used when the writer wants to impart a truly intense emotion.

We don’t need these to appear at the end of every statement. Please, for the love of sentence structure, break off all casual relations with !!!!!! as soon as possible.

I must list at least ONE thing that I adore and will gladly embrace this year. I can’t get enough of the Mayor of Toronto, Rob Ford. For those who are not familiar, this guy is a classic punchline. He admitted to toking on a crack pipe, but only because he was three sheets to the

wind, due to massive alcohol intake. This dude is walking fodder-for-a-column. Did you know that since he confessed to his sins, his approval ratings have soared?

Even though I’m an equal opportunity offender, I fear that some of my above-mentioned comments could lead to chastisement and column boycotting. So, I hereby confess I’m temporarily insane and am not responsible for my actions. Therefore, I expect my approval ratings to soar.

Lisa Houserman writes a weekly column, Lisa’s Rants and Raves, for the Community News in western Crawford County, PA. She can be reached via e-mail at: houserman46@gmail.com.

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