Woman Newspapers, Dauphin County, May/June 2014 by Woman Newspapers

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DAUPHIN county edition may/june 2014

YOu are my

S un SHi n e my onLy sunshine YOu make me

HaPPY WHen SKieS are Gray

YOU’LL neveR KnOW Dear

HOW muCH i

LPLo V e YO u eaSe DOn’t TaKe

my sunsHine away

happy mother’s day

Editor/Publisher Louise Sukle

lsukle@womannewspapers.com

Sales Manager Dave Brown

publisher’snote

daveb@pressandjournal.com

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

Happy Mother’s Day! To anyone who just thought “uh-oh,” don’t worry, we mothers are a forgiving group. A visit or a phone call will go a long way. Gifts, flowers, dinners and cards are nice, but no doubt it was a mom who first said, “It’s the thought that counts.” Everyone makes a big deal about Mother’s Day, as they should. As much as dads are important, without moms, where would any of us be? We are the fixers, the multitaskers and the forces to be reckoned with when it comes to protecting our children.

Sales Assistant Sara Egan

saraegan@pressandjournal.com

Contributing Writers Debra Baer Becker dbbecker2@yahoo.com

Kathryn Baxter

kathrynbaxter@gmail.com

Lisa Rae DeRosa My appreciation for my mom grew deeper when I became a parent. Mom did most of the heavy lifting in parenting in our house while my dad worked two jobs. My brothers and I knew better than to plead our case to Dad. Whatever Mom said was dittoed by Dad. Always. They were a team.

lisaraeseries@aol.com

Yes, studies may show that the best environment for raising children includes a twoparent household. Unfortunately, for one reason or another, many mothers don’t have that option and must shoulder all, or most of the parenting responsibilities.

julianna@juliannasukle.com

It isn’t unusual today to know a successful person who was raised by his or her mother in a one-parent household. To be sure, it isn’t an easy task, but countless single moms overcome the obstacles. They’re the homemakers, breadwinners and nurturers of children who do well in school and grow up to become good people and loving parents themselves. The world is full of all types of moms. Let’s show each and every one of them how much we truly appreciate them on Mother’s Day and every day. Being a mom is the hardest job in the world to do right.

Louise Sukle Publisher/Editor lsukle@womannewspapers.com

photo by in the moment photography by hollis

You never stop worrying, even when your kids grow up and start to live their own lives. -Ruth Elaine Graybill (my mom)

Brenda Tadych

sumthin2say@hotmail.com

Creative Consultant Julianna Sukle

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

E-mail: louisesukle@womannewspapers.com

Publications Of:

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. Trademark and U.S. Copyright Laws protect Woman newspapers. No part of this paper may be reproduced without the written permission of the publisher. Woman newspapers are not responsible for any editorial comment (other than its own), typographical errors from advertisements submitted as camera-ready or any reproductions of advertisements submitted as camera-ready. If an advertisement does not meet our standards of acceptance, we may revise or cancel it at any time, whether or not it has been already acknowledged and/or previously published. The advertiser assumes sole responsibility for all statements contained in submitted copy and will protect and indemnify Woman newspapers, its owners, publishers, and employees, against any and all liability, loss or expense arising out of claims for libel, unfair trade names, patents copyrights and propriety rights, and all violations of the right of privacy or other violations resulting from the publication by this newspaper of its advertising copy. Publisher shall be under no liability for failure, for any reason, to insert an advertisement. Publisher shall not be liable by reason of error, omission and/or failure to insert any part of an advertisement. Publisher will not be liable for delay or failure in performance in publication and/or distribution if all or any portion of an issue is delayed or suspended for any reason. The publisher will exercise reasonable judgment in these instances and will make adjustments for the advertiser where and when appropriate. Woman newspapers assume no responsibility for unsolicited material or reproductions made by advertisers. 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™.

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e t a l o c o h y C e n r u o J S A

a d n e Br h c y d Ta

Strolling through a candy store in Lemoyne, I gaze in awe at the variety of exquisite chocolate candies on display. I realize each kind has its own personality: Any chocolate bar will do for trick-ortreaters or to satisfy PMS cravings, but a sexier chocolate is in order for Valentine’s Day, or to make amends after a lovers’ quarrel. Chocolate is said to be an aphrodisiac. If you don’t believe me, allow a truffle to tingle your senses. One soft bite will release the flavor of chocolate-upon-chocolate that lasts like a lingering kiss, a sensual satisfaction for the taste buds. Chocolate can put you in mind of a specific place in the way that a sea salt caramel takes me to the seashore. It’s a gift that keeps on giving when the taste of salt on my lips surprises me long after I’ve bitten into the chocolate. Still gazing admiringly at the booty in the candy store, I spot the chocolate creams. Here, each type is labeled, unlike the games of chance we get with the prepackaged boxes at drugstores. Round and round the wheel spins, landing on…lemon, coffee, vanilla?… blueberry, raspberry, strawberry? Maybe a coconut cream if I’m feeling lucky? For a time travel adventure, nibble a chocolate raisin cluster and become 5 years old again. The raisin clusters turn back the clock. Remember what treats those tiny boxes of raisins were? And how tasty a whole cluster of the sweet treats are when slathered with chocolate? Midway along the counter, I stop in my tracks. Behold – the chocolate covered potato chip! A staple food for girls’ night in, makeup off, jammies on, and a box of tissues for the chick flick on the Hallmark channel. Sweet and salty, crunchy and creamy, it’s the best of both worlds. Near the potato chips are the nougats. What is nougat? Well, it’s chewier than a marshmallow, less chewy than taffy, a fluffy mystery and one should not overlook. Covered in chocolate, this delight requires an extended chewing process. To swallow too soon and miss out on its true decadence would be nothing short of a tastebud tragedy. Is there such a thing as too much chocolate indulgence? Is it wrong to take a perfectly delectable sandwich cookie and dip it in chocolate? A glutton’s glory? Perhaps, but methinks not. Oh, chocolate-covered Oreo cookie, methinks thou art divine! Who can resist the combination of chocolate and peanut butter? Raising a peanut butter meltaway to my lips, the satisfying waft of the

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peanut butter sneaks out to tempt and entice, the glorious anticipation of two becoming one, daring me not to put the whole piece in my mouth. I’m up to the challenge. I get three bites out of one meltaway. My first vision of a curvy piece of dark chocolate-covered orange peel beckons me to cross over to the dark side. Fruits are especially scrumptious when covered in dark chocolate. An orange rind is nothing I care to eat under normal circumstances, but I savor the essence of the bitter zest beneath its perfect bittersweet complement. While on the dark side, I sample dark chocolate-covered ginger. The chocolate teases the taste buds and then – SURPRISE! - the exotic spice of the ginger makes its presence known and then quietly dissipates in the wake of another hit of chocolate. It’s like the cool taste of salad greens awakened by the heat of a radish. I work my way to the showcases where the nut varieties lie in wait. The cashew that I admire in a chicken stir fry is equally impressive drenched in chocolate, and it is humanly impossible to eat only one. The finale to my chocolate store voyage includes the nut clusters ogling at me from their little pleated paper cups. “Pick me,” the pecan cluster seems to say. “No, pick me,” comes from the walnut cluster. I hear them. I assure you, they speak my language. The cashier boxes up my assorted chocolates and I carry my lovely loot to the car. They’ve taped the box shut, so I won’t be able to indulge during my drive home. That is, unless I reeeaaally want to. . .

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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Should I name a trustee in my will? By Jacqueline A. Kelly, Attorney at Law In general, if you have children who are 25 years of age or younger, it is a good idea to discuss naming a Trustee for any funds those children would inherit from your estate at your death. A Trustee’s job is to manage financial assets, which could include cash, a house, and investments, for young children. Typically, “young children” will include any child under the age of 25, because children under that age are often not yet mature enough to manage a large sum of money wisely and may be inclined to spend their inheritance immediately or invest poorly. A trustee could be named for children older than 25 as well, depending on the child’s maturity level, how much control a parent wants to maintain over the child’s spending, and the size of the estate. In your Last Will and Testament, you are able to determine exactly what authority the trustee has over your children’s inheritance. Typically, a trustee will have the power to disperse funds to your children for their health, education, maintenance and support. These are very broad terms which give the trustee a lot of discretion; however, it is possible to

WHO

modify those terms so that the trustee’s discretion is limited. For example, you might specify that the trustee only has the power to use or give the children’s trust funds for educational purposes, or the children receive a specific amount from the trust on a monthly basis. The trustee directions are drafted to suit your particular situation, goals, and how much control you want to maintain over the spending of the funds. When choosing a trustee, you have the choice of naming an individual or a financial institution. Most people prefer to name an individual, such as a family member who is familiar with their child’s lifestyle, needs and wants. Oftentimes, the trustee is the same person(s) as the Guardian of the child(ren). When I chose my children’s trustee, I named the same person that I named as their Guardian; I knew it would be easier for the Guardian to have access to the funds needed to care for my children. If appointing the same person as trustee and Guardian, you should be very comfortable that the trustee is a trustworthy person who manages money well and will use the trust funds only for your children. Otherwise, a financial institution, such as a bank, might be an appropriate choice. Many people will neglect to name a trustee if they do not have the “perfect” person to appoint. If a trustee is not named for “young children,” then the children will receive their inheritance

makes the financial decisions in your house?

outright at the age of majority, which is 18 in Pennsylvania. This often results in the children spending their entire inheritance in a matter of months. Sometimes this can also lead to expensive litigation in the court in order to have a trustee appointed for certain funds (ex., annuities) where a trustee is required. If you have “young children,” it is very important that you discuss naming a trustee for the funds they may inherit. An experienced estate planning attorney can help draft your Will and guide you through the process of choosing a trustee. 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.

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 may • june 2014

Dear Home,

I procrastinated. I don’t know where to start. I don’t deep clean often enough. I’m sorry. In yesterday’s paper, a journalist wrote about how to turn a house into a home. “Take a floor plan and make it a family plan,” the subhead read. “Accent with drapes and dish towels,” italics hung above a photo of a welldressed window bench. It got me thinking about us.

Dear Home,

-Me.

I used cooking oil to hide the thin scrape in the living room’s oak floor, but I like knowing it’s there. Makes me think age might be on my side one day, too. We’ve drilled you with holes and slapped paint on your flanks. Do you like it feel pretty? Please don’t think you’re not good enough. If anything, it’s because you inspire us. …Not that you and the condo are the same thing. I’m having a hard time telling you what I mean.

Dear Home,

-Me.

We never talked about where I’ve been since we were last together. The first house where you and I met, when I was still single-digit young… back then, I thought that you were a part of the house itself. I still get confused sometimes. But the whole situation is more like a light bulb, isn’t it? Even though it can exist without electricity, we all know something is missing.

Dear Home,

-Me.

Dear Home,

Don’t you think the tall white doors in this apartment and those dark brown ones in the first house would have gotten along? Not like they belong together, but they could be pen pals. Remember all that space between the neighbors and us, filled with the grass I sometimes mowed and relay races I usually lost? Maybe we didn’t have these high ceilings and glossy, flecked countertops, but what a great yard.

Dear Home,

-Me.

I probably didn’t seem scared when we left that first house. I buried bad feelings back then. The thing is, after that move, we quickly evacuated the second house, too. We scattered into separate houses and suddenly I realized that you’d just bailed. Or I’d ditched you. I’m not sure how to know the difference now. Maybe you were hitchhiking around, enjoying the freedom, but I was leaning against unstable, century-old walls with their guts crumbling on the inside. I’m not saying they were bad houses. Just not Homes. Just not you. They tried. I tried to try. I had fleeting bonds with a series of insignificant apartments, too. I mean they were fun, and important things happened, but they weren’t Home. You showed up a few times and I didn’t know how to face you. That’s still hard for me to say. I hope this history doesn’t humiliate you.

Dear Home,

You know that wall I hug (the one near the bathroom)? Well, when I do, you feel like the only one who can withstand the stretch of my arms. Beneath bare feet, you are the most stable foundation I’ve ever tested trusted. I can be so loud – I know. You do what you can to contain my sounds. (Like that one song I sing every morning in the shower, or like that period 20 months ago when I paced the hallway while my chest wrung out wails like juice from a grapefruit. I didn’t mean to lay it all out on you like that, but where else could I take my grief?) What I mean to say is: You know how to hold me. The heater’s hum and these dimmed lights at night now feel like a soft raft amidst a wild sea. I know how lucky I am.

Dear Home,

-Me.

We make plans, but I can’t really know where we’re headed. A weekend away throws all my expectations to the wind. How can I find you there, on a warm westward beach, and then here again 12 hours later, snuggled beneath the weight of three quilts? Maybe amidst all those changing ZIP codes and wall art rearrangements, I went looking for you everywhere you wouldn’t be. Now here you are, Home, everywhere I go.

-Me.

It’s not like I never had a sense of you all this time. I’m not ignoring the ways we stumbled upon each other over the years, like familiar incense wafting by. But let’s be real. We sat down at breakfast tables together, but only to share pitchers of spiked iced tea.

-Me.

Kathryn Baxter is a writer living in Brooklyn, NY.

-Me.

Dear

e M by

Kathryn Baxter

may • june 2014

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Marketing 101: Six steps to cut through clutter By Jo Orons, Allegra Marketing Print Mail The average person is exposed to thousands of commercial messages each day. Only a small percentage will be remembered. It’s the age-old challenge that marketers face, especially the little guy who lacks a big budget. Small businesses often rely on direct mail and printed marketing materials to communicate with their customers and prospects. Like other media vehicles, direct mail needs to be well-executed to hit the right mark. There are a number of ways to strengthen your approach and enhance your message, regardless of the size of your business or budget. 1. Determine your objective and audience. Is it your objective to educate and inform? Build brand awareness? Or sell a product or service? Are you sending the right message to the right audience? The first few seconds are critical. If your message fails to be relevant to the recipient, the piece will miss the mark – no matter how great it looks. 2. Simplify your message. In general, it’s best to keep your message short and to the point, whether you are creating a brochure, newsletter, advertisement or other print communications. Make your message easier to read by using a variety of graphic design techniques to break up type and add interest. You can simplify information by replacing text with tables, charts and other graphics that illustrate key points. 3. Narrow your emphasis. Avoid trying to do too much in a single piece. Narrow your focus to one or two key features and

benefits. In general, you have less than five seconds to catch a reader’s interest. Use headlines, subheads and quotations to add emphasis and draw the reader in to your most important information. 4. Add contrast to add interest. Add visual contrast to your documents by using white space, typography and size of graphic elements. For example, two photos of dramatically different sizes on a page are more appealing than two photos of equal size. The size difference also communicates which elements are more important. 5. Project the right image. Use consistent type, color and design to create an easily identifiable “look” that distinguishes you from your competition. For example, you may want your audience to perceive your company as professional, friendly, corporate, dynamic or cost-conscious. The design you create reinforces this image by creating the appropriate emotional response. With literally thousands of colors and typefaces available, be selective. 6. Edit wisely. Graphic design succeeds by reducing the number of words instead of reducing type size or illustrations to “fit everything in.” Review the piece with coworkers or family members to make sure your message is easily understood. It’s also important to establish a procedure for proofreading. Nothing can ruin an image quicker than typos, poor grammar or bad punctuation. Jo Orons is the co-owner of Allegra Marketing • Print • Mail located in Harrisburg, and she consults with businesses and organizations about their strategic marketing initiatives. For information, visit the company’s website at www.allegraharrisburg.com 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 6/30/2014) 02/28/2014)

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

BATURIN & BATURIN ATTORNEYS AT LAW

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717-482-8115 • FAX 717-482-8364 • woodwardassociates.com

Landlord/Tenant Real Estate Transactions Wills/POA

2604 N. SECOND ST., HARRISBURG, PA 17110 717.234.2427 Cell 717.329.6809 FAX 717.234.7544

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Specials Now thru 6/30/2014  Micro chip 30% off  Cat & dog spay/neuter 20% off  Canine & feline dentistry 20% off

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Armitage Golf Course Shotgun start at noon 6-10 pm • May 17th

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

Accepting New Clients!

Dr. Nasir Shah, DVM

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

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When 1 + 1 = 3 By Leo D. Farrell, M.D. The area around the eyes is what most patients focus on as the early signs of aging. They complain of a sad or tired look, even though they do not feel that way. Combining cosmetic facial procedures in this area can enhance appearance more than the sum of their parts. By addressing the excess skin of the upper eyelids, the bulging fat of the lower eyelids, hooding of the eyebrows, and the deep lines below the eyelids, a remarkable change in facial appearance and rejuvenation can be achieved. New advances in surgical procedures include volume restoration and fat preservation. Plastic surgeons have found that less eyelid skin and fat need to be removed than previously done, to obtain a better, longer lasting result. Some surgeons even recommend placing fat just beneath the eyebrow to fill and lift that area, and reposition fat from the lower eyelid to blend the eyelid-cheek junction. This results in restoring the appearance of youth. The key to surgery is to avoid a skeletonized appearance afterward, as facial fat is lost with aging. Botox and filler products, such as Restylane® and Juvé-

derm®, are also used in the under eye area for complete treatment. According to the 2012 statistics for cosmetic surgery, the most common procedure for people aged 35-50 was blepharoplasty, or eyelid lift (153,171 procedures). This surgery can be performed as an outpatient procedure under deep sedation or general anesthesia. The cost of combined procedures, such as eyelid lift, browlift and facelift, if performed together, are less than if each procedure were performed at a separate time. Another benefit is a one-time recovery period, rather than separate downtimes. Significant improvement in an aging appearance can be obtained with eyelid, eyebrow, and cheek lifting, when beauty and harmony are restored. Revision #6-- 01062014 clw

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Good friends. Good eats. Good times. Mark your calendar!

Brews for Boobies May 17th • 6 to 10 pm

Call Megan for tickets 717-319-2772

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• Every Tuesday: All-You-Can-Eat Crab Legs $20.99 • Kid’s menu • Take out and catering available • Sundays: $3.00 off all entrees and $1.99 kid’s menu

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DECK BAR OPEN YEAR ‘ROUND Enjoy your favorite drinks and menu items outside!

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D ECKS + PAT I O S

Spring clean usage tips • Different surfaces require different cleaning techniques. Ensure you’re following the instructions for the surface you’re cleaning.

It’s the time of year when sprucing up your deck and patio becomes a top weekend priority. Whether you use the space for entertaining or for solitude, you’ll want it clean, comfortable and safe this spring. Take time to dust off your outdoor furniture and wipe down cushions that have been in storage all winter. Inspect flower pots, bird feeders and other outdoor décor to ensure they withstood the cooler months. Replace anything that is damaged. Before setting furniture and décor back, give the surface below a good clean. Whether you’re dealing with cement, brick or wood, the quickest and most thorough way to deep clean and restore surfaces to a like-new condition is with a pressure washer. Knowing how to use one properly is important for a quality job and for your safety.

• Always read and follow the operator’s manual and all operating instructions. • High-pressure spray can cut through skin, so never spray people or animals. Wear closed-toed shoes and goggles while pressure washing. • Assume a solid stance and firmly grasp the spray gun with both hands to avoid injury if the gun kicks back before squeezing the spray gun trigger. • Never spray near power lines, service feeds, electrical meters, wiring and windows. • Check the engine oil level each time you use a pressure washer. When changing or adding oil, don’t overfill the engine crankcase. Doing so can cause smoking, hard starting, spark plug fouling and oil saturation of the air filter.

Buying a pressur e washer for the fir st time or rep lacing an old one? He re ar e so me guidelines:

buying tips • Pressure washers are categorized in groups based upon frequency of use and the types of products and surfaces they are best suited for cleaning.

Selecting the right pressure washer for your needs

W i t h a d e e p c l e a n, you can restore and refresh your h o m e ’ s o u t d o or s pa c es an d m ak e t h e m a f ri e n d ly p l ac e t o r e l a x a n d h av e f u n.

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depends on what you’re going to clean, how often you plan to do so, and how much time you want to spend. Ask yourself these questions before making a purchase. • Look for a versatile pressure washer that can be used for a variety of tasks. • Consider going green with a model having reduced environmental impact. If you have an older pressure washer, a newer model could offer lower emissions and better fuel efficiency. Source: StatePoint

Just get moving! By Rose Turner, Director of Marketing & Communications, Harrisburg YMCA Spring has finally sprung, and if you are like me, you are walking out of your front door blinking into the sunshine feeling refreshed. This morning, I looked down as I locked the door to my home and remembered that underneath that snowdrift I’d become accustomed to, there were BUSHES and FLOWERS! Hallelujah! That of course brought to mind the rest of my home – so many projects for the home have been piling up on my Pinterest board, and now I finally feel like doing them! If you’re like me, your home is never finished. My friends know that I am always painting, polishing, re-arranging and refinishing to the point that my home often seems like a DIY rotisserie. One of my long-neglected projects that I’m itching to get back to is upstairs in my bedroom – a beautiful wooden desk that I am planning to use as a vanity. I have to admit, it has been sitting there, staring at me all winter as I make excuse after excuse about why I’m too busy/tired to keep moving forward. Now that Spring is here, I feel the itch to sand and paint again, and it feels wonderful. Another neglected project is myself. Like many of you, I have been content to watch the snow fall, and have

ALWAYS HERE FOR OUR COMMUNITY Give yourself a new outlook on wellness! 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. Stop by any time for a tour and more information! Present this advertisement for a complimentary pass to the West Shore YMCA. Some restrictions apply. Expires 7/1/14.

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

When is “mi casa,su casa” in Pennsylvania? 032114_WOMMAG.indd 1

By Cara A. Boyanowski, Esq. Real estate in Pennsylvania may be owned in several different ways, either jointly with another or solely by one individual. Unique to a husband and wife relationship, spouses may own property as “tenants by the entirety.” This tenancy permits spouses to hold title to the whole real estate interest with a right of survivorship, so that upon the death of either spouse, the surviving spouse receives the entire property to the exclusion of the deceased spouse’s heirs. Property owned in this fashion is considered marital property and is divisible through a divorce action. If property is purchased jointly, but without a marital relationship, it will be held as either “joint tenants” or “tenants in common.” In each, the parties hold an “undivided interest” in the property, but unlike a joint tenancy, tenancy in common does not terminate upon the death of one of the owners; instead when a tenant in common dies, his or her interest in the property transfers to his or

been slacking on my workouts a bit. It’s the same as my desk – “I’m too tired” or “I’m too busy” have been used too many times to skip my important workouts. The nice thing is, I don’t have to DIY my workouts – I have an even better Y on my side. (See what I did there?) No matter what gym you attend, you can find the support you need to build a better you this spring! Today is brand new, and every possibility in the universe is available to you. Whether it is a home project, career goal, or a fitness aspiration, each day is “spring” for you. Get up, get moving and make it happen!

3/21/2014 2:49:20 PM

her heirs. As this ownership interest does not include a marital union, the only way to divide the joint ownership is through a “partition” action. If property is purchased during a marriage, but titled only in the name of one spouse, the property will still be viewed as marital property and will be subject to equitable distribution proceedings. If the property is titled in only one spouse’s name because it was purchased prior to the marriage, then the increased value of the property from the date of marriage until the parties’ date of separation, if any, will be eligible for equitable distribution through a divorce proceeding.

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.

www.womannewspapers.com may • june 2014

A Meal

o m for

Every year as the second Sunday in May approaches, millions of people across the country turn their thoughts to Mom and find ways to let her know how much she means to them. It’s Mother’s Day, and Mom shouldn’t have to cook. To ensure she doesn’t, here are some easy recipes that kids and adults alike can make. B r eak fast C asse r o l e

E as y C h oco l ate Wa f f l es

32 oz. frozen hash browns with peppers and onions 1 red pepper, diced ½ lb. bacon, crumbled 2 cup cheddar cheese, shredded 12 eggs 1 cup milk 1 T kosher salt 1 T black pepper 6 to 8 drops hot sauce 1 T dry mustard

3 cups flour ½ T salt 2 T baking powder 2/3 cup cocoa 2/3 cup sugar 4 eggs 3½ cups milk 1 cup oil

Coat slow cooker with cooking spray. Place hash browns in bottom and top with red pepper, bacon and cheese. Whisk remaining ingredients together and pour evenly over mixture in cooker. Cook on low for 10 to 12 hours.

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Mix dry ingredients and set aside. Slightly beat eggs and combine with milk and oil. Add dry ingredients and blend, being careful not to overmix. Pour 1 cup of batter into a waffle iron and cook according to the directions. Continue until batter is gone. Top waffles with maple syrup and fresh fruit.

An informed consumer is a satisfied consumer Submitted by Columbia Cottage If you, or someone close to you is thinking about moving into an assisted living residence, there is a lot to learn before taking such an important step. When searching for an appropriate residence, it is important to be an informed consumer. In January of 2011, a new option in long-term living became available in Pennsylvania. Assisted Living Residences (ALR) were licensed under 55 Pa. Code, Chapter 2800 by the Office of Long-Term Living. Similar to Personal Care Homes (PCHs), ALRs have an initial assessment, development of a support plan, and a written contract between the resident and the residence. However, there are many differences between the two. ALRs are different from PCHs in 3 ways: concept, construction and level of care. ALRs embody the concept of allowing a resident to “age in place” without having to move to a licensed long-term care facility when their needs increase. The construction of an ALR is different from a PCH. PCH residents live in

bedrooms that may be shared by up to 4 people. ALR residents have living units with kitchen capacity. No one is forced to share a living unit. Living units have a door with a lock and a private bathroom. This housing-service model allows for privacy and maximum independence. It is similar to a studio apartment where the resident can make meals if desired and have a private bathroom. The level of care provided in an ALR is also distinguishable from a PCH, offering another choice of long-term living options in the commonwealth. A person who needs the level of care of a nursing facility is not permitted to reside in a PCH and must transfer when their needs become too great. That same person, however, is able to live in an ALR where they’ll be provided with the services they need to age in place. If you are helping to find a residence for someone close to you, it is important to respect their needs and wishes by including them in the process as much as possible. As a team, you, your family, and a trained staff can determine the best individualized care plan to help maintain or improve independence.

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I am a pessimist. There. I admit it. It’s my habit to predict the worst possible outcome for any given situation, and proclaim that prophecy like a Nostradamus, which makes me the most qualified person in my family to answer the question, what’s the worst thing that could happen? It’s a gift. For example, the other day my bride-to-be-daughter, Kay, mentioned that her wedding planner, Becky, would not be present to execute the details for Kay’s April wedding. Kay said, “Now, Mom, don’t freak out, but Becky is leaving the country before my wedding day.” Doomsday scenes, like the fiery ruins of Pompeii, flashed through my mind like a slideshow, which brought on a broiling hot flash. I said comforting words like, “Oh my God!” and “All of our plans are ruined!” and I think I might have insisted on calling the authorities, the Grand Cayman militia. Kay chose a destination wedding, a beach ceremony on beautiful Grand Cayman, a Caribbean island where we know no one. The success of this most important day in my only daughter’s life, the nuptials that 50 of our closest friends and family are flying thousands of miles to see, paying thousands of dollars to celebrate, rides on the talents and skills of our wedding planner, Becky. Becky orchestrates the entire event: the surfside sunset ceremony with its canopy and chairs and flowers draped aisle; the minister; cocktail reception with lounge seating and bar with bartender;

the photographer’s pictures of our happy couple; the four-course sit-down dinner; the butter-cream frosted cake with swirl of cream and coral flowers and a bit of lace; the white clear-top-so-you-cansee-the-stars tent; 50 white chairs and five tables with tablecloths and napkins and floral centerpieces, the china and crystal and silverware; a merry chef and his assistant and three servers; the D.J. and the dance floor; also, the weather we entrusted all of this to Becky and her hand-picked island contractors. Becky promised to roll out a Pinterest-perfect wedding day for our baby girl, and now BECKY WAS LEAVING THE COUNTRY. Kay said,“Also, Mom, Becky would like a check for the balance of the wedding costs before she leaves for Australia.” “Ha! When pigs fly!” I said. Then I went on to babble that this wedding planner we’ve hired is a scam artist,

a schemer who probably makes easy money off of unsuspecting tourists, “and I am not giving her a fat check so that she can run away to Australia!” These words made my daughter very unhappy, and in the moment, I could not for the life of me understand why. After all, I’d just done the hard work, the dirty job to prepare her for the Worst Case Scenario (WCS). WCS preparedness is a highly developed skill - it’s what we pessimists do best. I called that wedding planner on the phone, squawked at her, and then she explained that her mother is ill (“Ha! Bullshit!” sang my choir of negative thoughts). Becky said, “You have my word that Kay’s wedding day will be perfect,” and then she added, “No worries.” I hate that saying: no worries. As if that were possible with climate change, our moody economy, and that train wreck Miley Cyrus.

And then I realized that, once again, I’d bestowed the gift of worry, wrapped up in stringy ribbons of my endless anxiety, upon my beautiful girl, my sweet baby angel. I showed my love for my only daughter by worrying about her. I’d read somewhere that worrying about someone you love is like hugging her around the neck with a rope. I wished that I could be a cheery Mom, an encouraging, hope-filled mom, the kind of mom who tells her beloved daughter, “Everything will work out,” and then smiles brightly. I said these words to my daughter, Kay, who didn’t hesitate to say, “Well Mom, you’ve got to admit it, you’ve done the whole Debbie Downer thing proud.” A few days later, when Kay told me that we’d have to rent a bigger tent - the clear-top-so-you-can-see-the-stars tent was not big enough for our growing wedding guest list - I smiled brightly, put my arms around my pretty bride-to-be and said, “No worries.”

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. the “Blog” button.

Debby

Downer r e k c e B r e a B a r b e by D

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Visit her blog at

www.womannewspapers.com and click on

Safety, comfort and independence Submitted by American Home Medical A seat lift chair provides safety, independence, and comfort such as: Transferring to a walker with ease. Positioning from sitting to recline by the push of a button. Allows user independence by managing the chair without assistance. Choosing to purchase a seat lift chair can be a big decision and investment. Although these chairs are considered to be medical equipment they look just like a regular recliner chair. Seat lift chairs are designed to get you from sitting to standing position without strain, ease of pain and providing enhanced stability to those with weak legs, weak back, injuries or recovering from surgery. The reclining feature with power raising of the legs can be especially beneficial to recovery from joint replacement or for those suffering from arthritis. From hips to head, different elevations can assist in back comfort, increased breathing comfort, head and neck support, and all day sitting comfort with fatigue. From hips to heels, elevations can increase circulation in legs and feet, decrease fluid

retention in the feet and better flow for blood circulation. When choosing a chair consider weight and size capacity. Chairs will accommodate 300 to 700 pounds. There is a chair to fit every body type and size. Safety feature...fire retardancy and battery backup can be vital in a power outage or fire. Not all remotes are created equal, some are far superior than others. Comfort...will you be sitting in the chair or lying in the chair and for how long? Most insurance companies consider paying the cost of the lifting mechanism only, not the whole chair. Seat lift chairs are available in different styles, types and other different functions. A seat lift chair can be a significant improvement to your quality of life, safety, comfort, and independence. Happy Mother’s Day and Happy Father’s Day! American Home Medical Equipment Company showroom is located at 2300-A Old Gettysburg Rd., Camp Hill, PA 17011. Please feel free to reach us by phone at 717-7375584 or 717-761-9124.

Make life easier for

Mom and Dad

2300-A Old Gettysburg Road, Camp Hill, PA 17011

As always, NO CHARGE for in home delivery and set up!

(717) 737-5584 • (717) 761-9124 Monday-Friday 8:30-5 pm www.americanhomemedicalcompany.com facebook.com/americanhomemedicalequipmentcompany

3 Month deferred payment for those who qualify

Everyone deserves a break For dementia caregivers, whether you are making plans to go to the beach with the family, travel out of town, or desire socialization for your loved one, Arden Courts can help.

Arden Courts Invites You to Take Time for YOU! Our respite/vacation/trial stay programs give you the opportunity to: • Try Arden Courts on a 30-day trial basis • Make vacation plans knowing your loved one is being cared for by professionals • Relieve caregiver stress, recharge, and restore balance in your life

START YOUR BREAK TODAY! Call Arden Courts to set a date for respite care or a 30-day trial.

2625 Ailanthus Lane Harrisburg, PA 17110 (717) 540-7018 susquehanna@arden-courts.com

Memory Care Community

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Con t

to b Wo e u

fe ld act L Sh atu yo eve isa and op Y red u 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 rae seri atters d a clo es@ jus set aol t you whe .com ! re

Have a closet full of clothes and nothing to wear? Womanâ&#x20AC;&#x2122;s Stylist Lisa Rae DeRosa helps women just like you!

SHOP YOUR

CLOSET Spring is a great time to pull out all those colorful pieces hiding in your closet. That's the first thing I did as I browsed through Jean M.'s wardrobe. Believe me, lack of variety was not her fashion dilemma! What is Jean's fashion dilemma? Jean is a serious bargain shopper, but all those fabulous fashion-finds were just sitting in her closet. After pulling several ensembles together, these are Jean's top three favorites...

Classic meets color Jean had no idea what to wear with these beautiful coral pants until I spotted a printed top with similiar color. It was love at first sight! Nude heels balance the whole outfit.

Meet Jean M.

Jean is a retired librarian who is full of energy and ready to style her closet full of bargain fashion finds.

Lisa Says:

Get your wardrobe ready for warm weather by adding color. If you need help, contact me. Happy spring, all you fashionistas!

Fit and flare

Sophisticated lady

This royal blue top was never worn, so I brought it into the light of day and paired it with black jean leggings and added her black pumps for a casual chic look.

Work and fun, all in one! A black, softly-flared skirt and black tank layered under a sheer blouse bursting with color could take Jean straight from the office to a night out!

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

OOPS! Inâ&#x20AC;˘the May/June issue of SYC, Paige was incorrectly identified as Lisa 's daughter. Woman apologizes to Lisa and her daughter, Rafalene, who has also modeled for SYC. 16 may june 2014 www.womannewspapers.com

The remarkable life Family Fun Nights of Sen. Hal Mowery By Jason Meckes, Executive Director Harrisburg Area Riverboat Society

endowment that continues to support the facility to this day. He served with the Cumberland County American Cancer Society, The Harrisburg Area Riverboat This year the midstate lost one of the most influential and beloved lawmak- Society, The Tri-County Association of the Blind, The Harrisburg and West Shore ers in regional history. Hal Mowery of Chambers of Commerce, and Camp Hill, served 14 years in countless other volunteer the state House of Represenboards. The senator and his tatives from 1976 to 1990. He family contributed to these then served three terms in organizations with their time the state Senate from 1993 and money, and additionally to 2004 before returning to helped raise funds for many his insurance brokerage in his more. retirement from public office. Senator Mowery might The over-arching theme of have been an important and his legislative work was a upstanding member of our clear focus on health care, governing body, but he will lawsuit, and insurance reform no doubt be best rememfor his constituents. bered for the time and enThe battles and feats ergy his family selflessly gave of Capitol Hill, however, pale to the people and organizaSenator Mowery in comparison to his life of tions of the region. charity and volunteer work. Hal served as a member of the Camp Hill School Board during the 1960s and 1970s. Enjoy getting to know The Pride of the He and his wife more recently provided Susquehanna Riverboat located on City the resources for a multimedia lab in the Island at 11 Championship Way, Harrisburg, middle/high school, as well as facilitated PA 17101 by calling: 717-234-6500 or email the construction of the Grace Milliman info@harrisburgriverboat.com for tickets. Pollock Performing Arts Center and the

Where to find a

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

An authentic stern paddlewheel riverboat

Pirates

Princess Party

on the Pride

CRUISES

City Island, Harrisburg • 717-234-6500 Check our website for the complete schedule and details OF OUR FAMILY-THEMED CRUISES.:

www.HarrisburgRiverboat.com

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,

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

www.womannewspapers.com may • june 2014

Moving Day

QUICK TIP Handling Your Valuables During any move, you need to take special care to protect your valuables. Set aside jewelry, important papers and safe deposit box contents in a small container that you can keep with you throughout the move. Among the less obvious but important items you may want to include:

D I Y

* Vehicle registration & title * Children’s school records

Whether you’ve bought a new house or are renting an apartment, you know that finding the perfect place to call home is just the beginning. Before you can settle in and begin enjoying your new surroundings, you have to actually get all of your stuff packed and moved. In today’s tightened economy, more and more people are opting for DIY moves. Not only can personally overseeing your move save money, it can give you a sense of security from having a hands-on role in managing how all your possessions are handled. Selecting the right vehicle is a critical first step. Services such as towing equipment, storage space and even moving labor may help make your moving day run a little smoother. You can save time by buying boxes ahead of time, and some companies even offer the ability to purchase boxes and other supplies online. Be sure to label all boxes so it’s easy to put them in the right room when you arrive. Above all, plan ahead. If you are renting a truck, reserve early. Begin packing nonessential items as soon as possible. Give yourself time to sort items for donation or a garage sale. Prepare a moving-day kit, including directions, map, GPS, checkbook, credit cards, IDs, eyeglasses, sunglasses, prescription drugs, flashlight, water, snacks, games for kids, and old and new house keys.

PAC KIN

1o1

* Bank statements & credit records * Medical & dental records * Irreplaceable photographs

Paint and Flammables

Fill drawers with small breakable items, and cushion them with loose clothes. Secure drawers with a pad or blanket (tape can remove the finish) and tie with rope. Do not overload drawers with heavy items.

Don’t move paint and flammables, such as alcohol, solvents, lighter fluid, ammunition and greasy mops or rags. Dispose of them properly instead.

Dishes and Glasses

Box upright and make sure items are well padded on all sides, with extra layers on TV and monitor screens. Surround console-size equipment with furniture pads; move and load upright.

Lamps Disassemble and pack small bases in dresser drawers surrounded by loose clothing. Pack large bases in boxes stuffed with wadded paper. Box shades individually in boxes with plenty of tissue paper; avoid newspaper - it will smudge. Always pack light bulbs separately.

* Tax return records

Major Appliances

Books

Mirrors, Paintings and Prints

Check with the dealer for any special moving instructions. Remove loose fittings and accessories, and pack them separately. Tie down, tape or wedge all movable parts and doors, and pad the exterior well.

Use small boxes so they won’t be too heavy. To protect the spines, pack books flat, alternating bindings. Fill empty spaces with wadded paper and reinforce the box bottoms with extra tape.

Wrap small items in paper and pack in boxes. For larger glass-faced frames and mirrors, use bubble packing and corrugated cardboard to create a case and tape well to secure. Mark “glass” or “fragile” on the box, and always load and store on end.

may • june 2014

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Bureaus and Dressers

Individually wrap each piece in plastic before protective newspaper to minimize dishwashing later. Place saucers, plates and platters on edge - not stacked flat. Place cups and bowls inside each other; wrapping three to four in a bundle. Fill empty box space with wadded-up newspaper.

* Insurance policies

With the right preparation, you can turn the daunting task of a DIY move into a done deal and get on with enjoying your new digs.

Electronics

Tools and Gardening Equipment Drain hoses, coil and pack in boxes. Fill remaining space with lawn sprinklers, small garden hand tools and so forth. Tie rakes, shovels and other long-handled tools together with rope or tape.

Transporting Your Treasures * Look for a reputable moving company with a strong track record of customer satisfaction, flexible reservation and cancellation policies, and emergency-friendly services such as 24-hour roadside assistance. * Determine what truck features you’ll need: flat floor, loading ramp/lift, towing equipment or other amenities. Don’t forget cruise control, climate control and seating options to ensure a comfortable ride.

Don’t let low rates sink your retirement plans Submitted by Chris Dixon, AAMS Edward Jones Financial Advisor

Over the past few years, if you’ve taken out a mortgage or another consumer loan, you’ve probably welcomed the low interest rates you may have received. But as an investor, if you’ve kept any retirement savings in fixed-rate investment vehicles, you may have seen low rates in a less favorable light. And that’s why it may be time for you take a closer look at your financial strategy for working toward the retirement lifestyle you’ve envisioned. Of course, you can always hope that interest rates will rise, and perhaps they will. As you may know, the Federal Reserve has kept interest rates at record lows in recent years to stimulate lending and thereby boost the economy. But rates can’t get much lower, and if inflation were to heat up, the Fed could reverse course by starting to raise rates. However, if you’re going to do a good job of building financial assets for retirement, you really can’t afford to play “wait-and-see” with interest rates. Instead, consider the following moves: Rebalance your portfolio. No matter what your situation, it’s a good idea to periodically rebalance your investment portfolio to help ensure it still reflects your risk tolerance, time horizon and long-term

goals. If you’re concerned about low rates harming your future investment income, you have more reason than ever to review your portfolio and make adjustments as needed, relative to your objectives. For example, if it seems that your portfolio has become “overweighted” in any one vehicle, you may need to change your investment mix, keeping in mind your individual risk tolerance. Redefine “retirement.” Retiring from one career doesn’t have to mean retiring from work altogether. If you decide to work part time, do some consulting or even open your own small business, you may be able to earn enough income to take some of the “pressure” off your investment portfolio in terms of providing you with the money you need to live on during retirement. Also, by working during your nominal retirement years, you may be able to delay taking Social Security until you’re a little older, when your monthly checks can be larger. Review your withdrawal strategy. During your retirement, the amount you choose to withdraw from your investments each year will depend on several factors, including the size of your portfolio and the amount of income it is providing. As you chart your retirement strategy, you’ll need to factor in a realistic withdrawal rate.

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. Christopher B Dixon, AAMS® Financial Advisor . 29 S Union St Suite 110 Middletown, PA 17057 717-944-1206

www.edwardjones.com Member SIPC

MY SUCCESS STORY by Michelle Auman tive Professional from the International Association of Administrative Professionals. I worked as an Administrative Assistant for a local engineering firm for over 11 years until I lost my position due to downsizing.

Michelle Auman

Trust that things will work out Hi, my name is Michelle; I am 46 years old, married and a mother of 5 “furry kids” in Cumberland County. I am a Certified Administra-

It was quite a different world when I had to search for a new job. I struggled for months on end, worrying about making ends meet as I searched and applied for over 97 jobs with only 3 interviews by the end of 2013. In my heart, I knew that things always happen for our highest good. This experience was quite stressful and at times was a true test of faith. I had to continuously remind myself to trust that things WOULD work out. When the time was right, things would fall into place and the perfect job would come along. While on Unemployment Compensation I attended a CareerLink meeting where I learned about all the resources available for the unem-

ployed public, including the Dress for Success program. To be prepared for interviews, I knew I would need help. My current wardrobe didn’t have anything “professional” that fit and unfortunately I did not have the finances to purchase a new wardrobe. During my appointment for my initial suiting, I was amazed with the entire experience. A personal consultant “dressed me up,” which is something I will never forget. I felt like a princess when I left with my filled shopping bags. Having beautiful, well-fitting clothes gave me a boost of confidence and the wonderful resources available through Dress for Success were an added bonus. I started attending the JOBS Group where I was able to meet other women who experienced the same frustrating and emotional process that I was going through. It was uplifting to know I was not alone in this stressful experience. Not only were

the meetings a great source of moral support but also offered expert reviews of my resume which was very much appreciated. With the tools and wardrobe I received from Dress for Success including their Going Places Network 8-week program, I was finally able to obtain a job as an Administrative Assistant with another local engineering firm. I plan to start attending the Professional Women’s Group meetings and volunteer to help other women improve their computer skills. I feel very blessed to have learned about Dress for Success South Central PA and am so very grateful for all they have done to enhance my career.

ABOUT: The mission of Dress for Success South Central PA is to promote the economic independence of disadvantaged women by providing professional attire, a network of support and the career development tools to help women thrive in work and in life.

DRESS FOR SUCCESS South Central PA locations: 29 S. 10th St., Harrisburg 717-232-1333 841 Vogelsong Rd., York (in the Career Link Blg.)

717-764-3330 136 South 8th St., Lebanon 717-270-5337 southcentralpa@dressforsuccess.org www.dressforsuccess.org/southcentralpa

MY SUCCESS STORY is a special feature sponsored by:

AND

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Something everyone for

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Keeping up with home maintenance After a busy work week, it can be hard to get motivated to complete chores and tasks around the house. And knowing what tasks to do and when to do them may not come intuitively for everyone. But neglecting home maintenance is a mistake, say experts. With this in mind, here are several examples of how to maintain your home and why it’s important: Avoiding Replacements ◆ Mineral deposit build-up in your refrigerator’s ice maker can eventually cause a leak that could damage the refrigerator and its contents. Annually clean water lines to prevent the need for a major appliance replacement. ◆ Lubricate your garage door for smooth operation and to delay the need for parts replacement. Improving Safety ◆ Lint build-up in dryer ducts is flammable and a common cause of house fires. An annual cleaning eliminates this dangerous situation. You should also regularly clean your dryer’s lint filter after every couple of loads. Likewise, you can prevent fires with checks on electrical and gas equipment and fireplaces. ◆ Maintain the air quality of your home by replacing or cleaning the filters on your home’s heating system quarterly, or as needed. ◆ A regular schedule of battery replacement in your home’s smoke and carbon monoxide detectors could be life-saving. Reducing Utility Bills ◆ Periodically ensuring that your home is properly sealed and insulated can lower utility bills. Use weatherstripping to close gaps around windows and doors. ◆ On an annual basis, inspect heating and cooling equipment to ensure it’s running optimally. ◆ Ensure your fireplace damper closes and opens properly. When your fireplace is not in use, keep the damper closed to maximize your climate controlled environment. Improving Value A house in worn condition can lose 10% of its previous appraised value, whereas proactive maintenance can increase the appraised value each year by 1 percent, according to the National Association of Realtors. And you don’t have to invest a ton to improve your home’s value. Plenty of projects offer great returns on investment. This becomes especially important if your home is on the market. From replacing elements of your home’s exterior to updating your kitchen, your realtor can offer suggestions for updates that can help you when you sell. Consider new tools to help you track home improvement projects in one place. With software such as HomeZada (free for basic, $5.95 for premium) or HomeSpot HQ (join for free) you will automatically receive comprehensive home maintenance checklists, as well as automated alerts and reminders when it’s time to complete a task, so you never miss anything important. Additionally, the sites provide how-to’s and other resources for do-it-yourselfers. Don’t let key maintenance tasks fall by the wayside. Let new tools help you keep your home safe and up-to-date. Source: StatePoint

may • june 2014

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I’m rather confused, which shouldn’t come as a huge shock to the reading audience. I don’t understand certain fads and thought I’d get my thoughts out in the open. Why does the youth of our nation claim that they would like to be individuals and yet, they act in sync to the max? For instance, why do teen girls all share that same irritating, grate-on-mylast-nerve, way of communicating, which I call “up-talking.” The definition of such is not easily written but, the up-talk method could be best described as ending sentences with a higher tone, sounding

more like a question. I believe it is a slight variation on a little something we used to call, “Valley Girl Speak.” Remember when the late, great Frank Zappa’s daughter, Moon, made the Valley Girl a common household irritant? Another way kids display “individualism” is when they plaster themselves with tattoos and/or body piercings. Apparently they’re attempting to express their independent natures. (Total sarcasm implied.) I’m also perplexed with certain bizarre fashion trends. One fad would be the fronttuck-only-form of dress. I don’t get it.

Are women too lazy to compete the painstaking process of the full tuck? Is it supposed to be figure-flattering when one shields the rear end and brings focus to the front? Hmm... This next gripe doesn’t pertain strictly to attire, but to certain bleached blond individuals who proudly show off their dark roots. Back in my day, it was the custom to “get to the root of the matter” if you catch my drift. That way, any clearly brunette-at-birth-bimbo could fake it. (I’m talking to you, Jessica Simpson.) I confess I am experiencing a twinge of self-loathing at the moment, because in terms of taking issue with the humans

around us, I recognize I’ve now become my father. When I was a young woman, my father referred to crowds of the younger set as “the sea of blue.” It meant that all in his path were dressed in denim and he repeated something along this line every, single, solitary time: “Just look at this *&#$@ sea of blue.” I miss that man.

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

I n di v id u a l is m , dark roots a n d oth e r m adn ess By Lisa Ho user man

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aGreener home & garden Don't just enjoy nature, take care of it!

Reduce Waste

Protect Wildlife You may think of your yard as “yours,” but you are actually sharing the space with furry creatures, insects and birds. Habitat destruction and loss, as well other manmade and natural threats, put beautiful species like humming birds at risk. Make your garden a safe haven with bird feeders and by planting native, sustentative shrubs, trees and flowers. Unfortunately, bird-to-building collisions, particularly with windows, are estimated to kill between 100 million and 1 billion birds in the United States alone, according to a new report from the Cooper Ornithological Society. Ensure the safety of your airborne visitors by applying static-cling decals to your windows, which helps birds detect glass, thereby avoiding injury or death. Decals from WindowAlert, for example, rely on special ultraviolet-reflecting coating that looks like etched glass to humans, but is quite visible to birds, and add a decorative appearance to your home. More information about window decals can be found at www.WindowAlert.com.

may • june 2014

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Ensure your kitchen is properly outfitted with labeled paper and plastic recycling bins. Keep these receptacles handy to encourage your family and guests to make use of them. Take your waste reduction a step further by setting up a bin for food scraps, which you can add to your yard trimmings. Composting creates a natural fertilizer that’s makes a planetfriendly alternative to the chemical variety. By recycling and composting, you can join the ranks of Americans reducing the waste they send to the landfill. In fact, recycling and composting prevented 86.9 million tons of materials from being disposed in 2011 in the United States, up from 15 million tons in 1980, according to government estimates.

Eat Local Source your food locally to reduce your carbon footprint. If possible, buy local, in-season fruits and vegetables that didn’t have to travel the world to reach your plate. And while flowers are beautiful to look at - and the right ones can provide nectar for pollinating insects and birds consider turning at least part of your garden into a space for herbs and vegetables to grow. When dinner comes from your own back yard, it means fresher produce that’s good for your family, and good for the planet.

Going green at home doesn’t have to turn your life upside down. There are simple measures you can take in your kitchen and garden to run a planet-friendly home. Source: StatePoint

BEFORE&AFTER WOMAN brings you the latest amazing makeover by Sass Salon & Day Spa: Julie Wilson from Middletown

Julie before >

< Julie after

• Julie’s makeover began with a relaxing salt therapy session to help destroy allergens and pollutants within her body and enhance her immune system while also hydrating her hair and skin. • Julie then met with Jess to begin her hair transformation. Jess needed to remove built-up color from the ends of Julie’s hair in order to give her a lighter, rich auburn base color with dark caramel natural highlights that added just enough of a fun pop. • While her color was processing, Julie met with Donna for a refreshing pedicure to polish her feet to perfection. Now Julie is ready to show off her toes in pretty spring sandals! • Desiree then took 3” off Julie’s overall length and focused on short-to-long soft-textured layers that will look great curly as well as straight. Desiree went a little shorter with the Julie’s bangs, rounding them to her face for a more modern style. • Bridget shaped up Julie’s brows and created a warm, glowing, sun-kissed look using airbrushed makeup that complemented Julie’s skin tone and new hair color. Rich chocolate mocha lip color was all that was needed for the finishing touches on Julie’s makeover!

SASS salon ✿ Beauty TipS:

• It’s time to rethink your makeup colors: More sun can mean a darker complexion. • It’s time to bring out those fun bright colors for your eyes just avoid covering your whole eyelid. Use them as an accent. • Make sure you’re protecting your hair, too! Paul Mitchell has a great line for protecting your haircolor from the harsh sun!

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

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