Women With Know How March 2012

Caurie
Lundy
Tara Sophia Mohr
+
Exclusive!
Spotlight
Louise Summey
-Questions about her
life and business
Things besides
Fat That Are
Making You Fat
Things
to Buy
Used
5
Top
March 2012
Connect And Grow With Women In Our Community 2
Mimi Zelman
Publisher
A
Dear Readers,
As you are looking at this months issue, I am sure
you are noticing our redesign. Juliana Lievano of
Juliana Creative Designs is our new creative director
and we are thrilled to have her!
Our circulation has now grown to over 31000+
women business professionals and still growing.
We are also in the process of building a new website
and customized facebook page. If you havent liked
our page yet please do so. March is also womens his-
tory month!
Growing out of a small-town school event in
California, Womens History Month is a celebration of
womens contributions to history, culture and society.
The United States has observed it annually throughout
the month of March since 1987.
Honor and thank women who have helped
shape your life! Also, share your story with others to
help empower them. As women we need to stick to-
gether and help each other any way we can.
Please continue to send us your press releases,
announcements, awards you have won, etc for our
new feature Making an Impact Around Town.
If you havent registered for our Making An Im-
pact Conference, now is the time, seats
are flling up quickly! Go to www.womenwithkno-
whow.com and click on conference tab.
Have a great month!
Mimi
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Publisher/President
Mimi L. Zelman
mimi@womenwithknowhow.com
Vice President Marketing
Wendy Whitehurst
wendy@womenwithknowhow.com
Account Executive
Kim Huf
Creative Director
Juliana Lievano
www.JulianaCreativeDesigns.com
Contributing Writers
Terri Bennett
Sabrina Winters
Vickie Bunzey
Robyn Crigger
Cover Photography
by Cover Photoghraphy by Benny
Dawkins of New Day Productions
For more advertising information
call Mimi at 704-491-1207
or email her at:
Copyright 2012
34
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105 Reasons Women
Must Plan for Retirement
Diferently Than Men
14Avoiding disagree-
ments when talking
about fnances
18Finding Your Au-
thentic Marketing Voice to
Attract Your Ideal Clients

20How Does A
Healthy Work Environ-
ment Help A Business?
24March Spiritual Forecast
30How Do I Name A
Guardian For My Child
Or Worse, I Think I Need
Separate Guardians!!
44Things besides Fat
That Are Making You Fat
48Top 5 Things
to Buy Used
50Why Diets Dont Work
52Five Things to Look
for In a Woman-to-Woman
Business Relationship
On the
cover
Caurie
Lundy
www.womanwithknowhow.com MARCH 2012
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How did you get
started in this business?
How I got started in the video pro-
duction business was quiet by acci-
dent. I decided to go back to school
as my children where fnishing high
school. I started out taking graphic
design and found out if I took the
Teleproduction course I could earn an
Associate Degree.
Once I entered the program, I fell in
love with everything that goes on to
produce good, entertaining, informa-
tive video. I started producing video
while still in school. Since there were
not many jobs available at the time.
Decided to go into business myself.
Fortunately, I met my business part-
ner Benny Dawkins. He too had the
same vision. So that is how NuDay
Productions started in the fall of 2010.
What is your background-
what were you doing before
this business?
Before I started in video production, I
was a stay at home mom for many years.
I used my time to volunteer in various
ways for many years. Also during that
time I learned how to paint. So over the
years I painted in many forms for people.
So then I a business called Sum-Art. I did
artistic murals and faux fnishes in busi-
nesses and people homes.
Louise
Summey
By Mimi Zelman
www.womanwithknowhow.com MARCH 2012 5
What is a good early
story about your business?
When we frst started NuDay Produc-
tions, we had a show called Tell Me
About It. We would feature people of
interest, upcoming events and non-
profts. One of my favorite stories was
the day we went to the Center for Ag-
ing in York, SC. The seniors there were
just wonderful. They had such great
stories to tell. We learned how much
they did to help the community and
other charities. They knit hats for can-
cer patients going through chemo and
baby quilts for unwed mothers to keep
the babies warm. The love and support
they gave to each other was just won-
derful to be able to share on our show.
What is unusual or unique
about your business, in com-
parison to your competitors or
similar businesses?
NuDay is diferent due most of our
work is done to be seen on the web
or other new technologies such as
using the QR code to help business
advertise in a cost efcient manner.
We also produce diferent types of
programming that most people fnd
of interest. We love to let people share
their stories of their lives, which brings
us to a special video product we pro-
ducePersonal Legacy we work
with a family member to tell their
own history and/or of their family. We
interview the family member and as
they share their storywe include
photos, documents and other memo-
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rabilia of their lives. We live to think
of the Personal Legacy videos as an
instant family heirloom to be shared
through the generations.
We also are also working with Roger
Cullis of Cullis Entertainment. We are
producing two shows. One is Carolina
Sessions, featuring unsigned musical
talent of the Carolinas. The bands or
artist will be able to showcase their
talent and the audience will learn
more about them during the inter-
view style program. Carolina Sessions
is hosted by Patti Mercer.
The other show is Sports Night with Bill
Rosinski. Again this is an interview style
show. Bill will be talking with athletes
past and present. Currently we are
showing past episodes which you can
fnd at www.cullisentertainment.com.
Is there a customer experi-
ence you are most proud of?
There are three experiences I am
proud of. Working with people to
help them connect family histories,
so their children connect with their
past in such a remarkable way. I am
also really proud working with Roger
Cullis on the two shows and being
innovative in producing the shows for
the internet instead of broadcast and
bring quality programming to share
with viewers. Lastly, I am so excited
to announce a new show we will be
producing. It is called Mommy Matters
hosted by Adrian Garson. It will deal
with a full range of information from
pregnancy to teens. We will have ex-
perts from the medical profession as
well as fun events for the whole family.
Do you do any charity
or non proft work?
Yes we have worked with many charities
and non-profts. We have work for two
years helping the United Way in Lancast-
er Co, SC to produce their yearly cam-
paign video. In October, we donated our
time to produce a video and slideshow
for an event A Walk to End Alzheimers
for the Alzheimers Association.
We try to help out where we can.
There are many more we have helped
out during the past year to promote
the special events they hold.
Who are some of your
most notable clients?
Some of our notable clients so far
have been, Women With Know How
for one. We have produced safety and
training video for Duracell Batteries
in Lancaster, SC., and also we have
helped many families connect the
past with the present with the Per-
sonal Legacy videos.
Money Counts, lnc. s un ndependent compuny vth securtes oered through Summt rokeruge Servces, lnc., Member llNRA, SllC.
Advsory servces oered through Summt lnuncu Croup, lnc., u Regstered lnvestment Advser.
What is an interesting story about
a client interaction you had?
Recently we produced a video for the
Ronald McDonald House of Charlotte.
We were asked to flm and produce a
testimonial video for RMH in late Jan-
uary to be shown to Fight Night. That
is where we met a parent of a child
that had a wonderful, loving experi-
ence staying at a Ronald McDonald
House. It was such a touching story.
I had a hard time not to cry while he
was relied his story during the inter-
view. It was a great honor to shoot at
a wonderful facility and a great cause.
What are some of your great-
est challenges in your business?
One of our biggest challenges to sale
our products for production and work
on the productions. There is never
enough time in a day to get every-
thing done. So I have had to learn to
manage time and still have a life with
my family. Sometimes it is hard to turn
of the business and go out and have
fun. But yet, I am always having fun
with our projects. So maybe that is
why it is hard to stop.
What would you most like the
reader to know about your jour-
ney in business?
I would like any one to know that it
is never too late to achieve what you
want out of life. As I said in the begin-
ning of the article, I received my As-
sociates Degree as my children were
going to college and graduating high
school. I saw them looking at the
future afraid and full of doubt.
I was a high school graduate, but it
has always bothered me that I never
went to college. So in 2008 I decided
3100
to change that. So at the age of 45,
I entered school in the fall semester
of 2008 and fnished in 2010. During
that time I was awarded two awards
for leadership. One for the Applied
Sciences Department and the second
was from the Teleproduction Depart-
ment for leadership in the classroom.
Now I am out in the community
meeting other business women and
men and feel like I have come home
to the comfort of this job. I love my
job. You never know what is going
to happen or who you are going to
meet. Never in a million years did
this farm girl from Northeastern PA
ever believe she would have a career
in this business. Most of all, I have
to thank my husband, Barry, for all
to love and support he gives me all
along the way.
Louise Summey/Partner-Producer-Project
Manager at NuDay Productions, LLC
Louise @NuDayProductions.com
www.NuDayProductions.com
704-661-8826
2
nd
Annual Power Walk to benefit Dress for Success
Charlotte Saturday, May 12, 2012 at Freedom Park
Check in at 8:00 am with a Warm Up with Nettie Reeves
Walk at 9 am
Register online
www.dfspowerwalk.org
A 5k Family Friendly event Walkers, Walk
Teams and Sponsors needed!
by Terri Bennett
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5 Reasons Women Must Plan for
Retirement Diferently Tan Men
by Joyce Palmer
I
ts true all is not fair in love and
war and retirement planning
for men and women. When it
comes to planning for the fu-
ture, everyone needs a fnancial strate-
gy but for women it is even more criti-
cal. Over the years, women have made
signifcant progress in the economy
and the workforce and continue to
make impressive fnancial gains. How-
ever, with all the success and opportu-
nity for women in the marketplace, a
lot more responsibility is added when
it comes to money and fnancial deci-
sions. Retirement planning can be
more difcult for women than for men
for a few reasons.
Women live longer
The good news for women: they live
longer, so they will have longer to
enjoy their retirement. The bad news:
We live longer, and so our retirement
will be much more expensive than
our male counterparts. On average
women are expected to live an addi-
tional fve years longer than men and
must have the fnancial means to do
so. Although this doesnt seem like
a long time, this could mean need-
ing hundreds of thousands of dollars
more in savings due to rising health
care costs, infation, and cost of living.
Lower pay compounded
by fewer working years
We earn less than men. While some
reports suggest the pay gap is nar-
rowing, the Census Bureau said in
September that full-time women em-
ployees still make, on average, only 77
cents for every dollar earned by men.
We tend to spend less time on the
job, because of care-taking responsi-
bilities for children and elderly parents
(or both), and we are more likely than
men to work part-time. Because of
the part-time work and/or fewer years
in the work force, we are less likely to
be covered by company retirement or
pension plans.
Lower Social Security
benefts payouts
Due to the shorter working career,
Far from ordinary, yet close to everything.
Located in one of Charlottes most
prestigious and historic neighborhoods,
The Duke Mansion offers you
exceptional hospitality with all the
conveniences of a modern hotel. With
our Four Diamond service and the
beauty of our 4.5 acre historic estate,
your stay at The Duke Mansion will be
unlike any other.
20 deluxe overniqht quest rooms, all
with private baths and wireless
leisurely madetoorder brealfasts or
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and 23 minutes from the airport
Wallinq distance to restaurants,
theatre and stores
For Reservations, call 704-714-4400
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The Duke Mansion, listed on the National Register of Historic Places,
is a nonprot supported by its patrons, donors and neighbors.
Photography: Paul Purser
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For information call 704-849-2500
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8509 Crown Crescent Court
Charlotte, NC 28227
Change
is
constant
but never
easy!
and low earnings, assuming there is
any social security left at our retire-
ment, it will be less than our male
counterparts. Because of shorter
careers and possible lower incomes,
a signifcant proportion of women
currently do not receive enough
in Social Security benefts to meet
even their basis needs. The Social
Security Administration ( SSA, 2011)
reports that average annual Social
Security income received by women
65 years and older were $12,155 in
2009. These combined factors put
many women at high risk for poverty
as they age, especially if they do not
prepare accordingly.
Long-term health care needs
Long-term health care is an issue con-
cerning many women. It has been said
that long-term care needs hit women
twice; frst in providing care to parents
or other loved ones, and then later in
life when women need long term care
for themselves. Not only are women
more likely to be the recipients of long-
term care but they are also more likely
to be caregivers than men. Women
make up about 75 percent of nurs-
ing home residents, and seven out of
ten unpaid caregivers are women. It is
important for women to plan early for
long-term care, so the high cost does
not threaten their fnancial security.
Financial Confdence
According to Women & Co, a division
of Citi, 65% of women think talking
about money socially isnt nearly as
taboo as it was pre-recession, but
overall confdence is still lower than
men. Women often are poorly in-
formed about fnancial matters. If
married, women tend to delegate
fnancial decision-making to their
husbands (Im not saying this hap-
pens all the time but its common).
When women absent themselves
from fnancial decision-making, they
sufer if their husbands die suddenly.
Often women dont know where key
fnancial accounts are held or what
kind of planning their husbands may
have had in place for them. Newly
widowed women are especially vul-
nerable. Developing fnancial conf-
dence starts with seeking a fnancial
professional to help you in building
your knowledge and supporting you
with your goals. Its never too early or
too late to take control of your fnan-
cial future. Financial confdence looks
fabulous on every woman.
Joyce Palmer, Managing Partner & CEO
JP Financial Group LLC
6000 Fairview Rd Ste 1200, Charlotte NC 28210
704 543-6269 (ofce) / 704 493-0279 (cell)
888 600-0481(fax)
www.jpfnancialgroupllc.com
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Avoidin
g
disagreements
when talking about fnances
by Diane Davis
F
or some couples, talking
about fnances becomes
taboo due to diferences in
money management styles
and fnancial goals for the future. It
turns out those fnancial disagreements
between couples may refect a funda-
mental diference in the way men and
women approach money matters.
Data reveals the role gender may
play during fnancial planning
Research commissioned by
Ameriprise Financial reveals that men
and women are planning for one of
their biggest fnancial milestones
retirement in very diferent ways.
1 More than half of men surveyed
report setting money aside in their
own investments, but not nearly as
many women say theyve done the
same (54% vs. 46%). Men are also
more likely to have determined the
amount of income they will need
in retirement (31% vs. 20%). While
women may not be focusing as much
on fnancial goals, they are more likely
to report that theyve thought about
what theyd like to do when they
retire. Women are signifcantly more
likely than men to say they plan to
spend more time with family (41% vs.
34%), and that proximity to family is a
very important factor in determining
where they will retire (40% vs. 27%).
They are also more likely to rate access
to healthcare options and facilities as
a very important factor (38% vs. 32%).
These diferences in how men and
women approach key fnancial deci-
sions may be present for many other
milestones as well, such as starting a
family or buying a home. So how can
you bridge the gap to approach your
goals in a way that makes both you
and your partner comfortable? The
following tips may help guide you
through these conversations.
Dont avoid fnancial discussions.
Be available to your partner and com-
municate often setting expectations
ahead of time can minimize future
15 www.womanwithknowhow.com MARCH 2012
disagreements. Keep in mind that its
crucial to discuss fnancial matters to
ensure your plans for the future are in
sync but be prepared to compro-
mise. Also remember that fnancial
planning isnt just math it can be an
emotional process as well. Balance ra-
tional thinking from a fnancial stand-
point with fnding the right way to
communicate your ideas and expec-
tations as a part of family discussions.
Understand your diferences
The key here is to understand each
others fnancial personality and ap-
proach to money, so you can tackle your
fnancial needs and goals with mutual
respect. Its helpful to recognize your
own fnancial strengths and weaknesses
and those of your spouse or partner so
you can have a rational conversation and
fnd a common ground. By approaching
your fnances with an idea about how
the other may view it, you will likely have
a more productive conversation.
Keep both partners involved
Your fnancial goals and priorities will
16
WeCanDoIt!
WomenMakingHistory
TheCharlotteMuseumofHistorypresents
LuncheononTuesday
March27,2012
11:30am
TicketswillgoonsaleFebruary1
J
o
i
n
u
s
L`akq]Yjkkh]Yc]joaddZ]LindaHooper,
a middle school principal and consummate educator,
whoonceaskedherstudentstocollectsixmillionpaper
clips as a way to visualize the magnitude of the
Holocaust.Afirmbelieverinthepowerofeducationas
a vehicle to tolerance, Linda Hooper speaks movingly
aboutteachingtochangetheworld.Herluncheontopic
willbeThePowerofOne.
WomenMakingHistoryisahigh-profile
eventwhichbringsasspeakerawomanwhohasmade
history and can serve as a role-model and inspiration
forCharlottecitizens.
ComingSoon:
additionalrelatedevents
tobeannounced.
www.charlottemuseum.org
3500ShamrockDr
Charlotte,NC28215
(704)568-1774
Formoreinformation:
www.charlottemuseum.org/documents/Hooper_Lindabio.pdf
TICKETS $45.00 Museum Members
$55.00 Non Members
$500.00 Tables of 8
To Purchase tickets call: 704.568.1774
This years speaker will be Linda Hooper, a middle
school principal and consummate educator, who once
asked her students to collect six million paper clips as
a way to visualize the magnitude of the Holocaust. A
frm believer in the power of education as a vehicle to
tolerance, Linda Hooper speaks movingly about teach-
ing to change the world. Her luncheon topic will be
The Power of One. For more information:
Sponsored by
The Charlotte Museum
17
likely evolve as you move through life,
but make sure both partners are in-
volved along with way. While its not a
pleasant thought, there is a possibility
that you or your spouse may be man-
aging your fnances alone at some
point. Its important that both
partners remain equally involved in
fnancial decision-making so in the
event that one spouse is left to make
these decisions alone, they can re-
main fnancially secure. This may also
minimize confict amongst other fam-
ily members in the wake of a tragedy
or sudden death.
Put it all in perspective
While fnances can create plenty of
stress in relationships, its important to
keep the big picture in mind. While you
plan as a couple, consider important
factors like your career goals, how you
might support your children, and when
and how you might retire. Though talk-
ing about fnances may never come
naturally, plan some time with your
spouse or partner this year to have an
open fnancial dialogue and to share
your vision of your future together.
Diane S. Davis, CFP, CLU
CERTIFIED FINANCIAL PLANNER
Ameriprise Financial
5200 Park Rd, Ste 117, Charlotte, NC 28209
diane.s.davis@ampf.com
www.ameripriseadvisors.com/diane.s.davis
704.522.6565
WeCanDoIt!
WomenMakingHistory
TheCharlotteMuseumofHistorypresents
LuncheononTuesday
March27,2012
11:30am
TicketswillgoonsaleFebruary1
J
o
i
n
u
s
L`akq]Yjkkh]Yc]joaddZ]LindaHooper,
a middle school principal and consummate educator,
whoonceaskedherstudentstocollectsixmillionpaper
clips as a way to visualize the magnitude of the
Holocaust.Afirmbelieverinthepowerofeducationas
a vehicle to tolerance, Linda Hooper speaks movingly
aboutteachingtochangetheworld.Herluncheontopic
willbeThePowerofOne.
WomenMakingHistoryisahigh-profile
eventwhichbringsasspeakerawomanwhohasmade
history and can serve as a role-model and inspiration
forCharlottecitizens.
ComingSoon:
additionalrelatedevents
tobeannounced.
3500ShamrockDr
Charlotte,NC28215
(704)568-1774
Formoreinformation:
www.charlottemuseum.org/documents/Hooper_Lindabio.pdf
www.womanwithknowhow.com MARCH 2012
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by Elyshia Brooks
W
e all go into business for
one reason or another
and that is to hope-
fully make money and
receive a proft but hopefully there is a
much bigger reason. We should go into
business to serve others and to share
who we are with the world. More impor-
tantly, our gifts and talents make room
for us to walk in our authentic selves and
share experiences and opportunities
with others to fulfll a need or a want. Re-
gardless, your authentic marketing voice
shares with the world who you are and
how you want to share your talents with
your ideal clients.
We would love for our businesses to
serve the masses but the truth is every-
one is not our clients. Your ideal clients
are those that get what you ofer, they
resonate not only with your products
and services but know, like and trust
you - your true authentic self. They are
willing to pay you what you are worth
and respect the results that you deliver.
Yet, how do you attract your ideal cli-
ents and share your authentic self with
the world while having fun doing what
you love? A lot of business owners
that I coach and consult dont know
who their ideal clients are or how to
attract them. This ends up in a lot of
frustration for them and begins a cycle
of doubting themselves and what
they are meant to do in the world. It is
about changing your marketing para-
digm and begins to open up authenti-
cally and honestly in your business.
First, when fnding your Authentic
Marketing Voice, you must become
very clear on what you are ofering
and not be scattered because your
clients will not have a clear under-
standing of your business. Your ideal
clients must connect with you in order
to engage with you, your personality
and your ofers. It has to speak to their
needs and provide a solution to their
challenges. Your authentic voice is one
that creates an open door to changing
ones paradigm in how your marketing
speaks to them - your target audience.
Finding Your Authentic Marketing
Voice to Atract Your Ideal Clients
It has been stated that some tradi-
tional marketing methods now confict
with the mission and purpose of the
business owners desires and does not
serve them in attracting, connecting
and engaging their ideal clients.
Secondly, your authentic market-
ing voice must provide a message
that projects the essence of who
you are and what makes you unique
that would widely attract your ideal
clients. The message and the brand
must be consistent and honest with
what you want to send out into the
world. Your voice can either be per-
ceived in such a manner that sends
the real and authentic you or it could
have other unwanted afects. Regard-
less, what your marketing message
says about you totally depends on
you. Your words, imagery and emo-
tional intellect all play a huge role in
your unique brand message and how
you connect and engage. This must
be ofered in such a way that is irre-
sistibly and authentically attractive.

Thirdly, your authentic marketing voice
is sharing what your clients will be en-
gaged in and the experience that they
would have if working with you or pur-
chasing your products. Your marketing
speaks to them and is attracted to you
magnetically because of your unique-
ness; favor and they are comfortable
with you. Finding your authentic mar-
keting voice does not sound salesy or
misleading but it grabs the attention and
holds it to encourage them to call and
go further in the sales process. The key is
to connect on a level that your ideal cli-
ents see the real you and you are irresist-
ibly attractive because like attracts like.
About Elyshia Brooks-Carr
Elyshia Brooks International, Inc. and Kreative
Group, Inc. is a consulting, coaching and training
company that works with heart-felt, conscious
entrepreneurs and service-based businesses.
Elyshia@ElyshiaBrooks.com / 800.511.5410
www.ElyshiaBrooks.com
www.KreativeGroupInc.com
b
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by Robyn Crigger
H
ow would you describe
a healthy work environ-
ment? Do you (em-
ployer) consciously pro-
mote a healthy work environment?
What diference does that make?
The word healthy can refer to
physical, mental or emotional health.
Though all three are important, men-
tal and emotional health can greatly
impact a persons physical health.
With our society having multiple years
of a sluggish economy, it takes a major
toll on our entire community. Having
repeated years of workforce reduc-
tions, continued decreases in sales and
productivity, frozen payrolls, and even
reduced benefts, negatively impacts
the entire workforce and their fami-
lies. These events actually infuence all
three aspects of health, though it may
frst be seen via physical signs.
With this being the case, many com-
panies and organizations are also
fnding morale to be very low. This
contributes to an unhealthy work en-
vironment. For those companies who
have been blessed with good activ-
ity, our community is in desperate
need of them sharing their bounties
by using local services and products
to pump positive energy into those
around them. (Like the phrase or idea
of paying it forward!)
Employees today need positive and
encouraging communication from
the employer, as well as positive en-
ergy in multiple forms. Employees
want to believe that employers care
and that they listen. Some small
ways to do this can include 1) having
the employer (owner/president, etc.)
be more visible and accessible to the
workforce; 2) demonstrate a genuine
concern by fnding ways of thank-
ing employees for their hard work; 3)
look for ways to help employees do
a better job (efciency and/or safety
training, etc.); and 4) use creative ways
to help employees fnancially.
How Does A Healthy Work
Environment Help A Business?
Obviously, you may wonder how to
accomplish some of these eforts.
Here are some ideas to consider:
Have Employer be more visible/
accessible- Set days/times when you
ofer to meet with a specifed group or
department in the Break Room for cof-
fee/soft drinks, etc. and possibly provide
cookies, fruit, etc. for short chat sessions
or updates on the business. Let the
employees talk and be conscious to be
a really good listener! Answer what you
can, limit the time for these sessions,
but be sure to follow up on answers
that required some research. This dem-
onstrates that you are a straight-forward
and honest employer.
Healthy Work Environment
Demonstrate genuine concern
via thank you gestures to em-
ployees for their hard work: Talk to
employers in your business neighbor-
hood and look for ways to help fellow
employers out by providing discounts
for services that can be given to each
others employees. (i.e. Dry Cleaning
discounts, restaurant coupons, reduced
car repair, tires, etc.) Maybe purchase
pizza once a month for employees, etc.
Employees value being ofered
training and development work-
shops: The Society of Human Re-
source Management (SHRM) has sur-
veyed companies for years and found
that most employees seek coaching
and training in order to grow with
their employers. Therefore, look for
an area that would really beneft
your employees. For instance, Good
Customer Service Training, Confict
Resolution Training, Team Building,
etc. Such opportunities can help your
employees be more productive.
Ways to help employees manage
their fnances better: Unless you
studied being an accountant or fnan-
cial planner, you and your employees
could fnd yourself struggling with
stretching each dollar. Infation eats
up more of our money each month,
as most things seem to be increasing
in cost these days. Groceries, gaso-
line, etc. are all costing more. Even if
you think you are doing all you can to
stretch your money, consider provid-
ing a Money Management Workshop
for your employees. They could walk
away with new knowledge for man-
aging the money they have. Some
money management techniques may
appear to be something everyone
should know, but not necessarily. If
one employee fnds a new way to save
some money or spend it more wisely,
this workshop will be a success! Show
your employees that you DO care by
educating them on ways to personally
beneft them and their families.
All of these ideas can greatly improve an
organizations work environment. Em-
ployees look to their owner/president
for encouragement and inspiration.
There are some other ideas to improve
the work environment, i.e. have light,
bright colors on your walls and foors,
allow for some personalization of each
persons work area, consider soft, up-
beat music in the work area (lifts spirits
and lightens ones moods, etc.).
One last consideration is for the em-
ployer and/or supervisor to keep each
employee current of expectations and
feedback on his/her performance.
Good communication and respect
is critical between an employee and
the employer. Each positive efort that
you invest into your workforce pays
dividends. As the saying goes time is
money, so dont let time slip away. If
you dont take any positive steps forward
or invest in your workforce, nothing will
change or improve. A healthy work en-
vironment begins with positive energy,
and this begins with the employer.
Compass Career Management
Solutions OI Partners Inc.
8509 Crown Crescent Court, Charlotte, NC 28227
704-849-2500
Fax 704-845-2420
www.compasscareer.com
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704-622-4724
22
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by Rev. Marcie Williams-Browning
M
ajor Changes Are
Happening!
We have seen so many
changes, especially
in the last three years. Know that this
year will hold more changes than the
last 10 years have. I realize that is a
bold statement to make and I dont
make it lightly. Each day I use divina-
tion cards to assist me in my physical
and spiritual journey. One of those
cards says Come Out of the Closet.
I have spent much of my life trying to
stay a closet psychic and spiritual intui-
tive. I was taught from a very young
age that I was diferent and that difer-
ent was not acceptable. I am learning,
on a daily basis, to understand and
embrace my abilities and gifts in the
world of unseen information.
I share this with you so that you can
decide to continue reading this ar-
ticle if it feels right to you. From this
moment forward I am coming out
of the closet! Each month I will pull
three divination cards and share their
meaning with you. My intention
when I pull these cards is that they
will have a loving and peaceful mes-
sage for each person that reads this
article. This months cards are from
the Goddess Guidance Oracle Card
deck because each of one of you is a
powerful Goddess and a life changing
force upon our planet. KNOW that
each one of you does have a voice
and that our Creator hears your voice
and knows your heart.
The First Card is Guiding Children
My intuition says that this is more about
your inner child than the literal interpre-
tation of assisting our young souls. As
a mother of fve and a grandmother of
eight I certainly have the opportunity to
assist our beautiful young souls but this
feels like it is more about you, my dear
sister, than your loved ones.
I would ask you to look at your life
and see where you need laughter,
fun, games or play time. Know that
March Spiritual Forecast
deep breathing and laughter can
break up fear and sadness faster than
anything else! Maybe you need to
put that play time on your calendar?
Maybe you need to be fully present,
living in and enjoying the moment
when your play time happens? Your
own intuition will tell you and all you
have to do is listen.
The Second Card is Sacred Space
This is a powerful message and critical
as we move through the rapid changes
happening around us and in our world.
You can create sacred space within your
home, your mind or your place of wor-
ship. Our sacredness comes from with-
in our hearts where our soul resides.
To reach that sacred space we can cre-
ate things in the physical world that
help us feel more sacred but the true
sacred place is within your mind and
your soul. Meditation is the practice
that will take you your sacred space. It
does take practice and it is well worth
the time and efort to get there.
The Third Card is Bright Future
This card tells you to stop worrying
and that everything is going to be
fne. Regardless of the outside pic-
ture, especially given the volatility in
the world right now, we live in a kind
and loving universe. The soul that oc-
cupies your body is kind, gentle and
loving at its very core.
Your mission right now is to fnd that
core of love and kindness regardless
of what it happening around you. To
move as quickly as you can back to
that place of love and kindness when
outside circumstances create feelings
of fear or negativity.
Final Thoughts and Messages
There are legions of angels and souls
of the most beautiful light, more than
our minds can imagine, helping and
guiding us right now. Call on them
for assistance whenever you are not
feeling full of love and kindness.
There are many changes on the ho-
rizon which may leave you feeling
frightened or discouraged. Do not
be dismayed because all is truly well
and working in Divine timing to shift
our world and our planet into the
place that our hearts desire. Yours
with much love and joy, Rev. Marcie
Williams-Browning.
The Spiritual Coach
Chrysalis Hypnosis Center
5200 Park Road, Suite 111, Charlotte, NC 28209
704-631-9540 Voice Mail
803-493-0332 Cell
http://the-spiritual-coach.info
www.MindBodySpiritBiz.com
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by Sabrina Winters
A
s a Charlotte Estate Planning
attorney, I work with parents
all the time to make certain
their minor children will be
protected if the death or incapacity
of one or both parents should occur.
One of the ways we do this is to name
guardians, who are essentially the peo-
ple with legal permission to take cus-
tody of your children if tragedy strikes.

The most common reason clients
whom are parents have shared with
me as to why they have not moved
forward with any type of Estate Plan
is that they could not decide on who
would be the guardian! Making the
nomination legal is the easy part. The
reality is that Charlotte parents fnd
that the hard part is choosing the ac-
tual people you feel comfortable with
to provide your kids long-term care.
The second most common reason
in my experience has been that they
know who would be the guardians
but in the parents opinion, the kids
would fare better if left in the care of
diferent guardians (and yes, perhaps
even be separated from one another)
if the death of one or both parents
occurred. Of course this is a deci-
sion thats not to be taken lightly, but
legally, there is nothing stopping you
from leaving your children to the care
of diferent people if it seems neces-
sary for their future well-being.

If in your conversation with a Charlotte
estate planning attorney you feel such
a move is necessary, I urge you to make
your wishes known and dont feel bad
or even guilty about your decision.
Sometimes its clearly for the best.
Not sure when this would be an ap-
propriate choice for your family? Let
me give you an example as to when
the decision to name separate guard-
ians would come into play.
How Do I Name A Guardian For
My ChildOr Worse, I Tink I
Need Separate Guardians!!
Lets say you are a mother of 3 chil-
dren. You have two girls from your
frst marriage and your third child,
a boy, is from the 2nd. If something
unexpectedly happened to you, the
law dictates that your youngest son
would be placed in the care of his
father, provided he is still living.

Yet you know that living with your cur-
rent husband would not be the best
arrangement for the girls. The girls
have never been close to your new
husband and you cant imagine the
situation getting any better if you were
gone. Worst of all, the girls have no
relationship with their biological father.
In fact, he signed over his rights in lieu
of paying child support years ago. So
in your mind, leaving the children to
him is not an option either.
Based on this scenario, you decide to
make your sister the guardian of the girls,
while your husband would continue to
raise your son if something happens.
Of course thats just one of MANY ex-
amples in which the decision to ap-
point separate guardians for your chil-
dren comes into play. As I tell parents all
the time, YOU and only YOU know what
is best for the physical and emotional
well-being of your children in a time
of need. While the ideal situation is to
leave the kids together if possible, fam-
ily dynamics or life circumstances may
dictate that alternative plans be made.
Here are some additional things to
think about:
1.Age of the Guardian
2. Does the Guardian have children or
plan on having children?
3. Is the person married?
4. What are the religious beliefs of
the person?
5. Is he or she a blood relative?
6. Does your child actually like
this person?
7. How drastic will your childs daily
life change?
8. Does this person have pets?
9. What type of job does this
person have?
10. Would you live with that person?
Estate planning gently forces you to
think about such situations in ad-
vance so your kids are given the best
chance to thrive if something unex-
pectedly happens to you. You can
then document your wishes so there
is no question as to who you want to
care for your kids in your absence.
Havent made plans yet to legally ap-
point someone to care for your minor
kids if something happens to you?
Have you let the fear of confronting
the issue hold you back? Then, stop
and think how much worse it will be
for your children if they now have to
be subjected to a court proceeding
on who they live with after you die.
That is a much worse fear, isnt it?
Sabrina Winters, Attorney at Law, PLLC
15720 John J. Delany Dr. Suite 300
Charlotte, North Carolina 28277
swinters@sabrinawinterslaw.com
www.ncestateplanninginfo.com
704-843-1446
CLICK ON AD TO VIEW OUR VIDEO
If you or a loved one needs help
or you want to help save lives,
contact us today at 704.705.1850
or visit www.lls.org/nc
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Dessa G.
non-Hodgkin
lymphoma survivor
Since 1949, the survival rate for many blood
cancer patients has tripled. In some cases
quadrupled. Whats one more survivor?
Beautiful.
Newks Express Cafe in Charlotte, NC
Come in and enjoy for yourself, and
see the many good reasons why
everyone continues to come back to
Newks Express Caf!
Caurie Lundy with
one of Newks
favorite salad
Lundy
Caurie
COO Newks
Express Caf
c
Caurie is the Chief Operations Ofcer of Karas Hospitality, Inc.,
the management and ownership entity that is the owner of
the Charlotte franchising license from Newks Franchise Com-
pany. In this capacity, Caurie is responsible for all aspects of
the restaurant stafng, training, inventory and other op-
erational tasks related to the restaurants. In addition, Lundy
works with Justin Karas on other key partnership focuses
such as marketing, brand development, accounting and
other post-opening management responsibilities.
Caurie began working for Newks Express Caf in May of 2007
after graduating from Belhaven College, where she received
a degree in Political Science and Business Management. She
has quickly advanced in this organization learning frst-hand
from the founders of Newks Express Cafe how to operate an
excellent franchise.
Caurie, after her initial management training period, served
as a manager of the top performing restaurant in the fran-
chise where she was involved in all aspects of the restaurant.
A Young Entrepreneur
With A Huge
Heart And Spirit
By Mimi Zelman
She was then promoted to the Newks
Corporate Team as Catering and Spe-
cial Events Coordinator for the Metro
Jackson market. In addition to opera-
tional oversight, Caurie was responsible
for client development and corporate
branding. In this position, Caurie saw
an opportunity to expand the catering
clientele by diversifying the catering
menu. She researched customer de-
mand, food costs, and proft margins
in order to develop the new catering
menu items that are now sold through-
out the entire franchise.
Caurie has been on the ground since
Day One in Charlotte to open the frst
Karas Hospitality, Inc. franchise restaurant
in Charlotte in Blakeney. The second site,
what is referred to as the Uptown site,
will be Cauries second opening in her
role as COO. As COO she has consistently
worked on a daily basis to control costs
and maximize efciencies on a shift-by-
shift basis from creating a strong prep
schedule that maximizes labor hours to
coaching managers on the best meth-
ods of controlling.
How did you get started
in this business?
I began working for Newks Express Caf
in May of 2007 after graduating from
Belhaven College. I was in NEWKS at
least three times a week during school
and had an extensive collection of the
Advertising and Graphic Design
www. J ul i anaCr eat i v eDes i gns . com
famous NEWKS cups. I have
always had a passion for serving
people so naturally the restau-
rant business granted me the perfect
opportunity to do so. NEWKS is an
express casual dining experience in a
refreshing and stylish atmosphere with
an emphasis on freshness and favor. We
serve fresh tossed, salads, oven baked
sandwiches, California style pizzas, made-
from-scratch soups and homemade
cakes from our Newks open kitchen.
After my initial management train-
ing period, I served as a manager of
the top performing restaurant in the
franchise where I was involved in all
aspects of the restaurant. I then had
the opportunity to transition to the
Newks Corporate Team as Catering
and Special Events Coordinator for
the Metro Jackson market. I was able
to learn frst-hand from the founders
of NEWKS Express Caf on how to
operate an excellent franchise.
My business partner and I visited
Charlotte for a wedding visiting,
friends that run the Ashley Furniture
stores in the Charlotte market, who
also moved from MS. We all were
huge fans of NEWKS and discussed
the fact that Charlotte needed this
concept! The NEWKS product has
high end quality served in a fast ca-
sual atmosphere, and we knew the
people of Charlotte would appreciate
and enjoy our product.
I then became a partner with Karas
Hospitality, to become one of the frst
female franchisees and the young-
est with NEWKS Express Caf. Justin
Karas, who is my business partner
and mentor, is the CEO of Karas Hos-
pitality, Inc., the management and
Each cake is
made one by one
from our NEWKS
Bakery. The
strawberry cake is
my favorite. I eat a
slice at least three
times a week!
Premier events, ofce gatherings,
football games, birthday parties,
bridal showers not problem at all..
JUST CALL 704-796-3743!
Remember We Cater... You Party!
ownership entity that is the owner of
the Charlotte franchising license from
Newks Franchise Company. He is
young entrepreneur that has a strong
real estate, venture capital, and busi-
ness management background. He
also represents our company as a
board member for the Charlotte Res-
taurant Association.
As we have become involved in the
Charlotte community through work-
ing in our restaurants, everything that
initially attracted us to this great city still
stands strong. Our leadership for the
Queen City, Mayor Anthony Foxx, helps
promote the reasons why we moved
here. His candidate statement is My
priority is to give every resident the
same opportunity I have had to achieve
his or her dreams in a thriving city with
strong job growth, good quality of life
and 21st century infrastructure. I could
not be prouder to be a resident and
business owner in the Queen city!
What is a good early story
about your business?
During the frst year of our Uptown
NEWKS location we have had the
opportunity to serve the hourly part-
ners that work with us to grow our
brand each day. We opened Uptown
NEWKS in November of 2010, and
realized we had 5 homeless partners
that were working with us. With
Christmas right around the corner, we
communicated to our team in an all
partner meeting that we would assist
them where needed. We raised mon-
ey to help provide Christmas presents
for their children and helped one of
our partners and her two children
move to permanent housing. Our
Core Value of Service was engrained
to all members of our Team. We
found out that one of our managers
gave a television to one of the hourly
partners, one manager gave some
furniture to another hourly partner,
and another manager gave their com-
puter away to an hourly partner.
The managers didnt tell me this, I
found out from other people. I was
proud of each them that they sacri-
fced to help others without trying to
receive public praise or acknowledg-
ment. I am so proud to say that seeing
a FOR PROFIT business pull together
to help one another get on their feet
is honestly a story we do not hear
enough. This passion for not only serv-
ing our guests, but for serving each
other is one of the reasons why our
retention rates are high and also why
we are able to thrive in the community.
What are some interesting statis-
tics about your business?
Our future plans are to open 10-12
NEWKS Express Cafes in the Charlotte
market. Each restaurant employs 45-
55 people. We are proud to take part
in helping stimulate job growth and
business in our community! NEWKS
Express Caf is a proven concept! Our
food is not the only good thing weve
got going. Our Franchise Disclosure Doc-
ument shows that our company stores
open at least a year had an average unit
volume of 2.35 million.
NEWKS Express Caf was named,
Best Uptown Restaurant, by the
Readers Choice for Best of the Best
Awards for 2011! NEWKS Express Caf
was awarded the Best Booth for Taste
of Charlotte for 2011!
What is unusual or unique about
your business, in comparison to your
competitors or similar businesses?
Our franchise is lead by one of the
most creative franchise teams in
the business! Don Newcomb, Chris
Newcomb, Debra Bryson and their
executive team at NEWKS Franchise
Company are one of the most talent-
ed people in the restaurant industry.
They have a special talent for devel-
oping innovative restaurant concepts
that not only meet consumers cur-
rent needs, but anticipate their future
needs as well. The Newks Express
Caf concept has been developed
and refned to meet the needs of con-
sumers and franchise operators alike.
For consumers, Newks Express Caf
units provide a tantalizing variety of
made-to-order menu choices, avail-
able for comfortable in-caf dining or
for convenient pick-up. As a franchise
owner, NEWKS is a streamlined, low
labor operation thats designed for ef-
fciency, site adaptability and multiple
revenue sources.
The fact that our guests can receive
their order in less than eight minutes
that is a high end product, with a
focus on being culinary driven, with
everything made-from-scratch and
under a $10.00 is truly genius!!! The
consumer demand is in the fast casu-
al segment, but we take that demand
with NEWKS to a whole new level!
Karas Hospitality has developed a part-
ner training model called the promote
from within program which has been
recognized by the franchisor for its
success in developing employees into
restaurant management leaders. Half
of our managers started of as hourly
partners. It has been an honor to watch
each of them grow, develop, and thrive
in our company.
We also focus on leadership develop-
ment for our top partners with programs
such as the LIT Program (Leaders in
Training), which meets twice a month in
a classroom setting to focus on develop-
ing leadership skills, time management
and communication skills.
Karas Hospitality ofers a Joint Venture
Partner Program to our General Manag-
ers. This ofers them an opportunity
to move up in the company and have
an ownership interest in the restaurant
they manage. Stimulating growth from
the hourly partner level to the top man-
agement level is imperative for reten-
tion and employee satisfaction!
Is there a customer experience
you are most proud of?
One of our Core Values is Community:
We believe in being involved in the
communities that we serve and that
being socially responsible is not an
option but a calling. At Newks Express
Caf, we make an intentional efort to
be involved in the lives of the people,
organizations and businesses that
make up our community. We expect
that all our team members will be in-
volved in serving the community and
introducing the community to the
Newks way of service.
I fnd the most satisfaction when I
hear stories of how our managers or
hourly partners embrace the NEWKS
culture of service! We have a guest
that frequents our Blakeney loca-
tion who is disabled. She visits us at
least once a week. One of our hourly
partners, her name is Kat, found out
that she lives alone so she decided
to serve outside of our restaurant
and visit her once a week. Just a few
months ago, she brought her mother
to visit with her and delivered her
fowers to her home.
We are very proud to say that our
hourly partner staf and management
team all share the same passion for
WOWing our guests every day and to
serve them not because it is our job
But, because we WANT to!
Do you do any charity or
non proft work?
Another Core Value that we live by is
SERVICE: My partners business men-
tor told him the following statement
and it has now become my passion
as well, True service and true giving
is given when you sacrifce for others,
not giving out of abundance.
During the frst six months of our frst
restaurants life cycle we fnancially
were not where we wanted to be, it
was initially a hard beginning. We
were approached by the NEXUS Chil-
drens Ministry to partner and fund a
childrens fair. This commitment re-
quired over 40 volunteers we needed
to staf and fund. We initially did not
have the means to do this as we were
frst starting our business, but out of
conviction for giving out of sacrifce
we decided we would partner with
this ministry.
We closed our restaurant down for
the afternoon, rented a bus for our
team, and hosted a KIDS FAIR for the
Pressely Woods Apartment Complex.
To our amazement, 99% of our Team
flled that bus. We looked at the bus
that had no air conditioning and it
was truly one of my proudest mo-
ments of our TEAM. It was a hot, July
day, and we were able to play games,
have a spacewalk, and give food to
over 75 kids! Our company demon-
strated to our team that service goes
beyond the four walls of the restau-
rant and we are obligated to give to
others. That day
we gave out of
sacrifce, not
abundance.
We will contin-
ue to keep this
as our focus.
We now currently
work with and support
over 20 diferent charities or non
profts in the Community. Ranging
from supporting churches, our hourly
partners schools, to the Susan G. Ko-
men Charlotte Afliate we are proud
to give back to our Community.
As a major sponsor for the Susan G.
Komen, Charlotte Race for the Cure;
Newks holds this monthly event to
support a woman currently battling
breast cancer. It includes dinner for
the survivor and her family at one of
Newks locations- Uptown or Blak-
eney. When the survivor enters the
restaurant there are friends, family,
Oven-Baked Sandwiches- Sandwiches you
could possibly make at home! Assuming
you have the fresh basil, portabellas, and
capicola on hand! Of course, capicola can
be hard to come by. Imported motradella,
salami and pimientos are, too. But we
already have the fnest ingredients and
produce possible for your next sandwich.
Newks staf, volunteers, and Komen
staf cheering for them as they are es-
corted to their special table with cards
and letters of encouragement for the
entire family Karas Hospitality is ex-
cited to partner in the Clean Water for
Malawi Project. Our organization has
made the commitment to provide
100% of the resources necessary to
build a water well in the Miwa Village.
This village is in desperate need of
clean water to drastically improve
health and save lives. We have asked
our Team to help us by contributing
$10 each towards our goal of
$4,000. Each $10 dona-
tion will provide clean
drinking water for
one person for life!
Those partners that
have contributed
have received a silver water drop in to
show their support of this incredible
cause. We are now raising funds in the
community, you can join us by visiting
us at one of our Charlotte area NEWKS
locations. For more information please
visit our website: karashospitality.com
We are also proud to say that almost
every hourly partner and every member
of our management team has purchased
a water pin. They are also working to-
gether to sell the pins to their friends so
that we can drill this well THIS SUMMER!
What are some of your greatest
challenges in your business?
People are the greatest challenges
and our greatest assets! It all depends
on how you empower individuals to
grow and develop in your business.
Our belief is that we manage restau-
rants, but we lead people. Leading
people to new levels can be challeng-
ing, but it is one of the most reward-
ing things I have ever taken part of.
What would you most like
the reader to know about your
journey in business?
Being self employed is very hard!
When I transitioned from working for
a corporation to being self employed,
it was very difcult. The glamorous
aspirations of being self employed take
Visit the NEWKS Facebook
page and join the Round-
table Club. We will send
you exclusive Roundtable
member-only ofers!
years of hard work and commitment.
There was an initial shock, but the real-
ization that I could take part in making
a diference in peoples lives is the driv-
ing force for why I do what I do.
My hat goes of to all small business
owners. It is the small business own-
ers that are working very hard to stay
in business, thrive, as well as taking
part in stimulating the economy.
If you could stand up and defend
anything, what would it be?
My faith. I am a strong believer in Je-
sus Christ. It honestly is the backbone
of who I am as a person. As a Chris-
tian in the workplace, it is my obliga-
tion to serve others and work with
excellence each day. I work to refect
His presence in my daily activities, at-
titude, and business obligations.
It was a joy meeting with Caurie! She
exudes so much passion for her busi-
ness and the people who work as
part of her team! She is a women with
lots of know how and will be a suc-
cess at all she does. Karas Hospitality
currently has 2 locations, Blakeney,
Uptown and a third location is sched-
uled to be opened in north Charlotte
sometime this spring! Women With
Know How is also excited to have
Newks Caf Express as our sponsor
for our Elite dinner meetings!! Be sure
to stop in, and enjoy all the great food
and service Newks provides!!
Newks Express Cafe
Two locations:
Blakeney in South charlotte
Uptown on Trade & Tryon
Third & Fourth locations coming soon this year!!
www.newks.com
www.karashospitality.com
h
e
a
l
t
h by Sunny Ayala
H
ave you ever wondered
why you can eat a low
fat diet and still be
fat? Or have you ever
met someone who didnt weigh too
much, but had an incredibly high
body fat percentage for their size? The
reason is that eating fatty foods is not
the only reason we become fatter.
First it is good to understand that
fat plays an important role in our
health. Our bodies need fat for insula-
tion, bone and organ protection and
warmth as well as helping brain func-
tion and the development of muscle
tissue. We just dont need too much
of it. Secondly its important to know
that since fat is used as a protector,
there are things we can do to our
bodies that will trigger our bodys
alert system to produce more fat.
I like to think of our fat cells like an
army - follow me on this. We have
this great group of buoyant soldiers
that go to places in the body and
keep guard. Bad guys come to at-
tack, and bounce right of those little
fat soldiers, thus keeping the organs
or bones safe. The more risks we ex-
pose our organs and bones to, the
more soldiers are needed to protect
them. They think theyre doing us a
favor. They stand there with their little
helmet and shield, proud with valor,
knowing they are helping save our
lives, as we curse them for ruining our
lives (or at least our appearance!)
So what kinds of things alert the body
to produce more of these fat cells? The
frst is artifcial sweeteners. Because
their chemical make up is carcino-
genic, the bodys frst response is to
protect the vital organs from being
infltrated with the poison. What this
means is that every time you drink a
diet coke, while you are saving your-
self the calories and the sugar, you are
slamming your bodies red alert button
which releases stubborn fat cells to run
over to your mid section (kidneys, liver,
stomach) and keep vigilant watch. Its
Tings besides Fat
Tat Are Making You Fat
Our Farmers
Thank You
cabotcheese.coop
Some of the 1,200 farm families
who own Cabot.
not just diet coke, but anything that
has any type of artifcial sweetener in
it. This type of carcinogen (poison) has
many names: aspartame, saccharin,
sucralose (not to be confused with
sucrose), acesulfame potassium (or
Ace K) and the most touted and loved,
Splenda. The next time you think
youre doing yourself a favor by eating
or drinking a diet food or beverage,
make sure its not laced with one of
these fat-invoking poisons.
It is amazing to me how many people
are sleep deprived. Getting more than
eight solid hours of sleep each night
has almost become a faux paux these
days. Anyone, like myself, getting
more than eight hours a night is con-
sidered to be lazy and unmotivated...
maybe in need of some anti-depres-
sants! However, study after study has
shown how getting too little sleep
can actually make you more fat. The
reason is that when your body is cut
short in its repairing time (AKA: sleep),
it produces more of a stress hormone
called cortisol. This little hormone is
responsible for the extra stubborn
belly fat and grabbable love handles
that many experience. Even though
you may not feel stressed out due
to your lack of sleep, over time, your
body knows that it is in a state of
stress, and responds by an over pro-
duction of cortisol which leads you to
become more fat.
Speaking of stress, it is another silent
culprit of making our bodies fatter. For
the same reasons that sleep depriva-
tion can cause our bodies to produce
and store more fat, our typical, everyday
stress does the same thing. Throughout
the day when you think your high levels
of stress are just helping you get more
done, just know that part of what they
are helping you do is get more fat!
Remember that fat does not necessar-
ily mean more weight; it can simply be
a higher level of body fat percentage
which can be just as unhealthy as the
extra weight. If you dont know what
your body fat is, you can usually have
it tested at your local gym. If you dont
have a local gym and are interested
in knowing your body fat percentage,
give me a call! We can see where you
are and if needed, talk about tips like
these and others to safely decrease
that number. Just dont call me too
early, as I will be sleeping!
Sunny Ayala
Owner of Fitness Instruction Today
8041 Corporate Center Drive Suite 100
Charlotte, North Carolina 28277
www.ftnessinstuctiontoday.com
ayalasigns@aol.com
Phone: (704) 763-5662
g
o
i
n
g

g
r
e
e
n by Terri Bennett
R
esale shops are a great
place to fnd amazing
deals. Sure--buying a
used crib mattress may
not be the best choice, but here are
fve items that are defnitely worth the
time and money.
1. Home accessories
Home accessories like lamps, vases, art,
and picture frames are usually overfow-
ing from the store shelves. Buying these
items used is a great way to update your
home without blowing your whole bud-
get. When shopping for new accents,
look for versatile pieces that can work
double duty. For example, a large vase
is the perfect for all seasons since it can
be flled with whimsical sand dollars in
the summer or brightly-colored holiday
ornaments in the winter.
2. Books
If you have a voracious reading ap-
petite, second hand bookstores could
be right up your alley. Used books sell
for a fraction of the retail price and
with a bit of hunting can be found
in good condition. And dont forget
about textbooks either. Many college
students will attest to the fact that a
few highlighting marks are certainly
worth the discount.
3. Sports gear and
exercise equipment
Buying used sports gear is always a
bargain. Some shops ofer discounts
as steep as 75% of retail prices. Many
sports resale shops sell used exercise
equipment too.
4. Kids clothes
Kids grow out of clothes so quickly
that buying new ones can put a
serious dent in your wallet. One
way to save money is to buy gently
used clothes. There are many re-
sale shops that cater to specifc age
groups no matter how young or old
your children may be.
5. Wood furniture
Quality wood furniture is a bargain
Top 5 Tings
to Buy Used
shoppers dream. Practical pieces like
desks, tables, and bookshelves are
always rotating through the inventory.
Used furniture is more likely to have of-
gassed any VOCs, and can be easily
refreshed with new hardware or a fresh
coat of no-VOC paint. When picking
through the next lot, look for study
items that dont shake or wobble.
Terri Bennett
A veteran TV meteorologist, eco-expert and author
of Do Your Part: A practical guide for everyday
green living available at DoYourPart.com.
Send questions to terri@doyourpart.com
Overture introduces you and your colleagues to
potential clients using our acclaimed multimedia
presentation. Many businesses, especially those
in professional services, need more than a website
and print collateral.
The prospect has to meet you. Establishing personal
chemistry is the key to cultivating a relationship, then
earning a clients business.
Business Development Opportunity With Every Email.
To nd out more, call Karen Hund at 704.907.4376 or visit our website www.cv-vision.com
Meet Anyone, Anytime, Anywhere.
n
u
t
r
i
t
i
o
n by Vickie Bunzey
Y
ou cant turn on the TV,
drive down the road or go
to a party without being
confronted with Americas
hottest obsession: weight. Diets are
a billion-dollar industry; companies
spend millions and millions luring you
to try the latest diet (low carb, high pro-
tein, low fat, no fat, you name it) with
promises that this will (fnally!) be the
solutionyour shortcut to a thinner
body. Advertising eforts also deeply af-
fect our children, who develop distort-
ed body images and are often on diets
as early as nine or 10 years of age.
Our culture touts diet pills, celebrity
workouts, convenience foods and trendy
diets to help us achieve our desired
weight, but these quick-fx solutions
have backfred. Americas populace has
reached its highest weight in history.
About half of Americans are overweight;
one-third are obese. Diets steer us away
from our common sense and dip deeply
into our pocketbooks while eliciting few,
if any, lasting results. Why?
Diets dont work because each person
is unique, with diferent needs based on
gender, age, ancestry and lifestyle; how
could one diet be right for everyone?
Diets dont work because they are
extreme solutions. As in physics, if a
pendulum swings to one extreme, it
has to swing equally to the other. A
diet might work for a short amount
of time, but research shows that
almost all diets result in a 10-pound
gain once of the diet.
Diets dont work because they are
too restrictive. People who fail on
diet plans are not fawed or weak.
Diets by nature require discipline and
restriction at levels that are unsus-
tainable by a healthy human body.
Most people are disconnected
from why they gain weight and see
diet as the only culprit. For example,
ignoring or discounting emotions
is often the frst thing to cause
weight imbalances.

Why Diets Dont Work
In our fast-paced world, we have lost
sight of many aspects of life that truly
nourish and balance our bodies, such as
slowing down, eating a home-cooked
meal and spending quality time with
loving people. Eating consciously and
making simple lifestyle changes will cre-
ate positive results and release you from
the endless cycle of dieting.
Given half a chance, your body will bal-
ance out by itself, but this is only pos-
sible by getting out of the diet men-
tality and listening to what you truly
need. Imagine taking all of the outward
energy you expend on diets, fads and
gimmicks and turning it inward, so
that you can listen to your heart and
inner wisdom. There is no such thing
as a quick fx; you already have every-
thing you need within you. With careful
thought and loving refection, you can
feed yourself in a nourishing way. Work-
ing with your body rather than against
it will bring you increased energy, stabi-
lized weight and sustainable health.
Vickie Bunzey
For more nutritional and weight loss information,
Vickie may be contacted at 704-995-1951.
www.YourBalancedHealthstyle;
www.RenewWeightLoss.com
C
r
i
s
t
i
n
a
s

C
o
r
n
e
r
by H. Cristina Cassidy
I
f you are a woman business
owner, your connections with
other women are essential for
many reasons. Women need to
help each other climb that ladder of
success. The good old boy network
has been around forever. How about
the great woman network? Its time
to shatter the stereotype that women
cant get along in business. We need
to get together face-to-face to ap-
plaud each others successes and help
each other through tough times.
Here are fve things to look for when
making a friend with another woman
in the world of business.
1. Does she call you back on a
regular basis? A true business friend
doesnt let days and weeks go by
before calling you back. She may be
busy, but if you are friends and col-
leagues. she owes you the courtesy
of a call back, even if it is brief. If she
doesnt have time, you both should
plan a time when you can talk.
2. Do you meet for cofee or lunch
occasionally? Meeting face-to-face is
an important part of making a true
connection with another person.
Sure, you can have interesting con-
versations and build a cordial rela-
tionship online, but there is nothing
like an old-fashioned, sit across from
each other heart-to-heart between
two women, and the fact that you are
both in business makes the conversa-
tion even more exciting.
3. Does she seem truly interested in
your business and your life? Healthy
colleagues are ones who listen well,
ofer you insight, and are there for you
no matter what is going on. They also
let you play the same role for them.
I had one friend who was so well
meaning, but it was always about her
giving me advice. Very rarely did she
open herself up and give me the gift
of being a support to her. Relation-
ships, business and personal, are a
two way street.
Five Tings to Look for In a Woman-
to-Woman Business Relationship
4. Does she tell you what you want
to hear or is she constructively hon-
est with you? Weve all heard the story
of the Emperors New Clothes. Sure
we want our women friends to tell us
how great were doing, but we also
need friends who tell us when they
see red fags, or sense that we may
be going down the wrong path. Im
not talking about someone who is
unduly critical. I just know that I want
my women friends in business to be
able to disagree with me in a positive
way, especially if they are more expe-
rienced than I am.
5. Is she someone you can trust?
Here is where women get into trouble
sometimes in the business world. We
become friends so fast sometimes
that we throw caution to the wind
and may tell someone we barely
know our innermost secrets. It might
be wise to take your time develop-
ing your relationship with another
business woman. Time will tell if she
is someone who can be trusted. She
should also be someone you can be
open with if a miscommunication
takes place between the two of you.
Ive always believed that a friend-
ship isnt really solid until it has been
tested. With a true business colleague,
you can work things out, clear the air,
and move forward in a positive way.
As more and more women enter the
business world, the number of
women-to-women business relation-
ships are going to increase. Lets show
the world through our actions that
not only can women get along, but
they can also be a great support for
each other.
And I hope that if we meet on the lad-
der of success, whoever is higher, will
give the other woman a boost.
H. Cristina Cassidy
Cristina Cassidy Productions
Owner and president of Cristina Cassidy Produc-
tions, a full service video production company
that produces a variety of video formats, includ-
ing video for the web, educational and
instructional videos.
www.cristinacassidyproductions.com
www.concertofortwobrothers.com
info.cristinacassidy@me.com
The Irish
in America
Celebrating
Day
St. Patricks
Day
T
They came in the 1840s to escape the devastat-
ing potato famine. And they stayed to become
part of the fabric of America. Today 36.9 million
U.S. residents claim Irish ancestry, second
only to those who claim German heritage,
and more than eight times the population in
Ireland, according to the U.S. Census Bureaus
2009 statistics.
Enduring hardships and privations, the foods
these Irish immigrants cooked in the new land
would have replicated foods that reminded them
of home dishes such as cottage pie and Irish
apple cake. Below are recipes for these dishes
from Darina Allens Forgotten Skills of Cooking,
(Kyle Books, 2009) now available in the U.S.
Allen, considered the Julia Child of Ireland, is
on a mission to teach everyday home cooks
the kind of cooking skills early Irish immi-
grants would have practiced. There is a real
revolution going on about food a longing,
a craving to re-learn life skills like butchery,
keeping chickens, growing vegetables and
curing meat, Allen said. The popularity of her
Forgotten Skills classes at her renowned Bally-
maloe Cookery School in County Cork, Ireland,
inspired Allen to write the Forgotten Skills
cookbook. Allen also has re-issued her Irish
Traditional Cooking (Kyle Books), just in time
for St. Patricks Day.
The recipes below feature Irish dairy products
because dairying has been a part of Ireland
for centuries, long before potatoes. In Ireland
we can grow grass like nowhere else
in the world, said Allen with pride. So
we have fantastic butter, lovely cream
and, of course, cheese. Butter is the fat
of the land. Our animals are grass-fed.
Grass-fed gives more favor and more
complex nutrients. This is what we are.
Dairy products come from this beauti-
ful, lush green grass.
Try the recipes below for a St. Patricks
Day celebration. Its easy to replicate
Irish favors with butter and cheeses
made in Ireland and imported to the
U.S. under the Kerrygold name. They
are widely available at supermarkets
and specialty stores throughout the
country. And be sure to do as the Irish
do: no celebration is complete without
a selection of cheeses with good bread
and chutney. The cheese board be-
low features Kerrygold Aged Cheddar,
Cashel Blue farmhouse cheese, Dublin-
er and Blarney Castle Irish cheese.
For more St. Patricks Day recipes, visit
www.kerrygoldusa.com. These recipes
are adapted from Forgotten Skills of
Cooking. Recipe introductions are
from Darina Allen.

Cottage Pie with Garlic Butter

The cheese in this crust and the lump
of garlic butter that melts into the center
make this into something very special.
Serves 6
3 tablespoons olive oil
2 garlic cloves, mashed
1 small onion, chopped
1 pound beef, freshly ground
1 teaspoon fresh thyme leaves
1/2 cup dry white or red wine
1 cup beef stock
1 teaspoon Worcestershire sauce
1 tablespoon tomato paste
Roux (recipe follows)
Salt and freshly ground pepper
For the Topping
3 pounds baking potatoes, un-
peeled
1 cup whole milk, boiling
2 tablespoons Kerrygold Irish butter
1 tablespoon chopped chives (op-
tional)
1/4 cup grated Dubliner cheese
1/4 cup grated Kerrygold
Aged Cheddar
Salt and freshly
ground pepper
Roux
Roux can be stored in a cool place
and used as required, or it can be
made up on the spot if preferred to
thicken up a sauce.
8 tablespoons Kerrygold
Irish butter
Scant cup all-purpose four
Melt butter in a pan and cook four in
it for 2 minutes on low heat, stirring
occasionally. It will keep for two weeks
in the refrigerator.
To Serve
Garlic Butter (recipe follows)
Green salad
Heattheoilinasaucepan.Addgarlic
and onion and fry until soft and slightly
brown. Increase heat, add ground beef
and thyme and fry until beef changes
color. Add wine, half the stock, Worces-
tershire sauce, and tomato paste. Sim-
mer for 10 minutes.
Meanwhile,boiltheunpeeledpotatoes,
then peel them. Add boiling milk and
mash potatoes while they are still hot.
Season with salt and freshly ground pep-
per, and add butter and chives, if using.
Preheattheovento350F.
Bringtherestofthestocktoaboiland
thicken it well with roux. Stir it into beef
it should be thick but still juicy. Taste
and correct seasoning.
Putmeatmixtureintoonelargeorsix
individual pie dishes. Pipe or spread
mashed potato mixture over the top.
Sprinkle with grated cheeses. Bake for
30 minutes, until top is golden and
slightly crispy. Serve with garlic butter
and a green salad.
Garlic Butter
Slather over bruschetta or toast. Also
great with grilled fsh, meat, or vegetables.
8 tablespoons Kerrygold Irish butter
2 tablespoons fnely chopped pars-
ley
3 to 5 cloves crushed garlic
A few drops of freshly squeezed
lemon juice
Whip butter, then add in parsley, garlic
and a few drops of lemon juice at a time.
Roll into butter pats or form into a roll and
wrap in parchment paper or foil, twisting
each end. Refrigerate to harden.
Around Town
Making An Impact
News about Awards, Events, Promotions and Business Meetings
The Spiritual Coach Spiritual Angels
of Light Meeting March 12, 2012
Come prepared to connect, share your
energy and meditate with us. We have a
beautiful space to come together. Many
thanks to Carol Calvert for her generous of-
fer of her lovely space at The Light Center.

We will share a spiritual message,
meditate together and have plenty of
time to visit and share. The Light Show-
room will have the light therapy ma-
chines available to try after the meeting.

We will have an area where you can
place your business cards to share with the
group. Please only bring business cards due
to space constraints. Space is
limited so please RSVP be-
low if you wish to attend.
RSVP at:
www.meetup.com/
The-Spiritual-Coach/
Elle Vj
Cosmetics Line
BEAUT by Elle
VJ is an exclusive
brand of tailored
cosmetics ranging
from foundations,
eye shadows, blush, lip
wear and coordinating nail
polish. Nationally distributed, the most
comprehensive locally-owned cosmetics
line will keep beauties and beaus adorned
with glamour throughout the year.
Key products include an exclusive
range of products from foundations, eye
shadows, blushers, lip sticks, glosses, and
glazes, and complementing shades of nail
polish. All cosmetics are hypoallergenic,
fragrance-free, allergy tested and non-
comedogenic. The nail polish selections
are 4 Free, free of the harmful chemicals
toluene, formaldehyde, dibutyl phthalate
(DBP) and camphor.
Promise Of A Bright New
Year On East Blvd, Modern
Lighting Design Relocates
No stranger to the thriving Dilworth
neighborhood Liza Branch was
thrilled when the opportunity arose for
Modern Lighting Design to become a
fxture on the front street of the much
traveled East Boulevard. With 11 years in
business and the most extensive selection
of modern lighting ofered in Charlotte, it
was time to put Modern Lighting Design
in the spotlight. Residents now have the
opportunity to shop at Modern Lighting
Design at 1315 East Boulevard, Suite 170,
while they visit other familiar boutiques
and restaurants such as 131 Main, Petal
Boutique and East Blvd Bar & Grill. The
showroom will display an array of lighting
fxtures for homes and businesses.
Store Hours are Tues-
day thru Friday 11am-
6pm, with extended
hours on Thursday
evenings, and Sat-
urday 10am-6pm.
On- site consultations
are also available by
appointment. Keep up with
Modern Lighting Design by following us
on Facebook at:
www.facebook.com/ModernLightingDesign.
Adding A New
Face To The Mix
At Modern
Lighting Design
We are pleased to
announce that we have
added a Showroom Manager to the
Modern Lighting Team. Heather Reid will
be joining us in the showroom, bringing
her emphasis on customer service and
excitement to be a part of the Charlotte
design community. She comes to us from
Charles Luck Stone. As a consultant there
she built relationships with Charlottes
elite designers, architects and contractors.
Heather received her Bachelors in
Interior Design from Adrian College and
has been a resident of Charlotte for the last
three years. As a consultant in the store she
will provide a design perspective in the
lighting selection process. You can contact
Heather Reid at sales@modernlightingde-
sign.com for any lighting inquiries
Modern Lighting Design Showroom
1315 East Blvd, Suite 170
Charlotte, NC 28203
704-332-0109 fax- 704-319-2600
www.modernlightingdesign.com
Amy Gurley has joined
Roby Commercial, an
Andrew Roby
company as
Project Manager
WELCOME!
New Team
Members
Dancing with the
Stars Fort Mill
Have you ever
watched Dancing
with the Stars and
wondered how
much preparation it
takes to learn to a pro-
fessionally choreographed
dance routine and perform it in front of
hundreds of people?
Six local York County celebrities
have signed up to face that challenge.
Dancing with the Stars Fort Mill has
paired up six celebrities with eight danc-
ing professionals to raise money for a
very worthy cause middle school ath-
letes in Fort Mill. The event will be held at :
The Tega Cay Golf Club Glennon
Center Saturday, April 28th, doors
opening at 6:00 pm.
Budget cuts have impacted our lo-
cal school districts in many ways. For the
Fort MillSchool District, one of the most
controversial cuts was to eliminate all
middle school sports, over 50 teams.
While many people in the community
didnt agree with the decision, the
school board did allow for a pilot pro-
gram which gave the athletic booster
clubs the opportunity to provide the
funds to operate the sports program.
Today, over 1000 athletes partici-
pate in middle school sports in Fort Mill,
but not without hard work from many
parents and community members
who raise $50,000 each year to keep
the programs alive. Our booster or-
ganizations have sponsored our share
of donut sales, golf tournaments and
school dances, but weve been looking
for something a little diferent that the
residents of Fort Mill and surrounding
towns can participate in, commented
Jill Marr, School District Athletic Board
Fundraising Chairman.
Dancers will compete in fund-
raising (sponsorships and ticket sales),
Calendar of
Business and
Professional
Meetings for
Women:
Metropolitan
Business and
Professional Wom-
en 3rd Wednesday
of every month.
Capital Grill
201 N.Tryon St.
11:30 am members $25 guests $35
To register visit:
www.mbpw.org
two dance routines and crowd appeal.
The goal - the mirror ball champion
trophy and much needed funds to help
our student athletes in Fort Mill. Tick-
ets are available for purchase through
each of the dancers as well as online at
www.fortmillathletics.org. Tickets for the
event, including dinner, dessert, cock-
tails and after-the- show celebration,
are $100 general admission and $150
for VIP tickets with reserved seating and
upfront parking. Event sponsorship op-
portunities are also available.
Celebrities:
Dee Christopher
Fort Mill High School
Stefany Holmes
Towne Tavern Restaurant
Lucas McFadden
CN2 News
Patti Mercer
Mrs. SC
Alison Rauch
CN2 News
Jef Schaefer
Carolinas Baseball Center
Send us your announcements that you
would like to make or if you are an organization
that focuses on business women send info to:
(Deadline is the 15th of every month
for upcoming issue)
Whether you want to provide for your loved ones, support the organizations that are important to you, or plan for
your own comfortable retirement, I can help you plan for your goals. Ill look at all aspects of your finances, then
find solutions that are right for your unique needs. And as your goals and needs change, Ill be there to adjust
your plan and help put your dreams within reach.
Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC.
Some products and services may not be available in all jurisdictions or to all clients. Ameriprise Financial cannot guarantee future financial
results. 2011 Ameriprise Financial, Inc. All rightsreserved.
Your nancial needs are unique.
Ameriprise Financial is proud to be recognized
with another perfect score on the Human Rights
Campaigns Corporate Equality Index.
Our Advisors. Your Dreams. MORE WITHIN REACH
Call me today at (704) 522.6565

Diane S. Davis, CFP, CLU
Financial Advisor
CERTIFIED FINANCIAL PLANNER practitioner
5200 Park Rd
Ste 117
Charlotte, NC 28209
704-522-6565
diane.s.davis@ampf.com
www.ameripriseadvisors.com/diane.s.davis

Women With Know How March 2012

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Women With Know How March 2012

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