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Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


Table of Contents From My Heart to Yours

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Cover Story

Pg 6

Top Ten Etiquette Tips

Pg 12

Go Fly at KITE

Pg 13

7 Ways to Get on Top in Search Engines

Pg 15

Up Level Your Life/ Take Charge!

Pg 18

Overcoming Rising Energy Costs

Pg 21

Questions From Our Readers

Pg 25

3 Obstacles to Achieving Goals

Pg 27

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www.horizonsjournal.org Disclaimer: Horizons Journal for Woman is published monthly. The articles published do not necessarily reflect the opinion of the publisher. All articles are intended for informational purposes only and none should serve as a substitute for doctor's advise and orders, nor medical, financial nor legal advice. Advertisers are solely responsible for the content and validity of information published within their ads and are not necessarily endorsed by the publisher. Deceptive or misleading advertising is not knowingly accepted by the publisher. Advertising is accepted with the understanding that all liability for copyright violations is the sole responsibility of the advertiser. All material submitted for publication is considered to be the sole property of the advertiser. Horizons Journal for Women publishers, staff, and other persons involved in the creation, production, or delivery of the magazine in whatever format, or its content do not assume any liability or responsibility for the accuracy, completeness, or usefulness of any information provided in he magazine, nor shall they be liability for any direct, indirect, incidental, special, consequential, or punitive damages, arising out of the use of this

Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved

magazine.


Women are outstanding! Yep, I said it! Everyday, every minute women everywhere are making history in some way. No, you may not see your neighbor on a magazine cover, you may not see your hairstylist on television, you may not see your daughter's teacher on a billboard, you may not see your classmate on “the red carpet”, you may not see your web designer jet-setting, or you may not see your waitress in a newspaper, however such women are making history in ways seen and unseen everyday. The neighbor who volunteers her time and energy serving her community; the hairstylist who may donate her professional services to boost the self esteem of cancer patients; the teacher who who tirelessly advocates to local officials for more school resources; the classmate who attends school three evenings a week to advance her career; the web-designer who offers low-cost web training for businesswomen to improve their technical acumen; or the waitress who successfully transitioned from homelessness and addiction to recovery and work re-entry. Indeed! These women are weaving new threads in life's fabric and affecting positive change and improvement which - despite lacking global stardom or fame – are creating a beautiful tapestry reflecting compassion, sacrifice, intelligence, devotion, love, and tenacity. Onlookers and observers who see this historical tapestry women are weaving today are moved to, in turn, be more generous, self-sufficient, creative, persistent, and courageous through random acts of kindness, philanthropy, volunteerism, social awareness, and community cohesiveness. Would you not agree that such traits and actions ARE what we want to be recorded in history for future generations to talk about and emulate? Take note of women you see everyday and how she IS making history in some way and look for opportunities to uplift, emulate, acknowledge, support, encourage, and honor her. Everyday, you ARE in the presence of a history-maker. Women are outstanding and we are changing your world! Yep, I said it! In celebration of Women's History Month, I am so proud of the women who keep me inspired daily, proud of the women who demonstrate sisterly affection toward other women, proud of women who honor the legacies of our ancestors, proud of women who have 'fallen seven times but stood up eight', and I am proud to be of service to you! Onward! From my heart to yours,

Da-Nel Euwings Founder, Executive Director Women Still Standing

Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


This month we proudly feature Mrs. Cheryl A. Pullins, a highly-sought motivational speaker, a well-recommended mentor, a Business & Lifestyle Solutions Strategist ,and best-selling author! With wit, candor and compassion Cheryl instructs, inspires and impacts others to take action to live the life they dream about. Cheryl speaks with passion, and an authentic transparency that connects her with listeners. She educates and empowers them to breakthrough their own limits, create a strategy and take massive action that enables them to live a marvelous life while making a difference in the lives of others. Her enthusiastic energy and message of success in business and life brings an inspired awareness that produces amazing results. We are grateful to Cheryl gracing our cover this Women's History Month and taking time our to share valuable tips and personal insights to help women thrive! Horizons Journal for Women - When did you decide that being a solopreneur was your calling and what were the first steps in your transition? Cheryl Pullins - First I would like to say that I am so honored to have been included in the Women's History issue of your magazine. I congratulate you on celebrating women and contributing to our empowerment! This is an interesting question, especially since initially I didn’t see myself as an entrepreneur, at all. So when I think back to when I started my business, it took me a while to see it as my calling, primarily because it took me some time to not only find my voice, but my authentic voice, who I am supposed to service and how I am to serve them. Honestly, I did it a bit backwards. I put the cart before the horse. When I started my business I was pretty clueless. Even though I understood corporate structure, I didn’t know how to transition that understanding into running my own business. Unfortunately, my transition into becoming a solopreneur was no transition at all. I jumped in head down and feet first. But because of all the training, coaching and insight I have received over the past two years, what I do know is that starting a business with more than a passion is vital to its success. If there was one thing I would stress is that when transitioning into becoming a soloprenuer or having a business of any kind, you must have a strategy in place Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


that will lay a solid foundation on which you can grow your business. A strategic plan allows you to look at every angle of your business and sets the stage for success. HJW - What is The Legacy Letters and what you prompted you to want to share a letter to your teenage self and why was it important to you? How do you see it as a way of helping & empowering women to honor themselves? C.P. - Lisa Nicole Bell, creator of The Legacy Letters, personally asked if I would participate in the project. Needless to say I was quite honored to be included in this project with twenty-nine other women who contributed, as well. Participating in the project allowed me the opportunity to take a look at my journey and see what lessons I have learned that I can share with young teen girls to help them avoid some of the issues I experienced as a teenager. The Legacy Letters is a book for teen girls where each contributor was asked to offer advice and insight on being a young woman coming of age in modern times. What better way to impact and empower the lives of women is than to start having the conversation before they enter into womanhood? This is what made my participation in this project so profound. I was given the opportunity to share my voice to a new generation of soon to become women. I think that is just powerful. HJW - What do you expect to accomplish with your Women’s Academy for Entrepreneurial Learning and what would be an ideal conference you would like to produce in the future? C.P. - The Academy is truly one of my very exciting initiatives. January of this year I launched The Women’s Academy for Entrepreneurial Learning. The mission of The Academy is simple. To help women entrepreneurs plan their success by creating a clear strategy and plan of action - teaching them how to execute. As entrepreneurs we are often times taught the “what,” but not the “how.” That’s what The Academy is about. We are hosting our first conference in October of this year. We are still working the details, but it is in conjunction with the release of the third book in the Victorious Living Series, which I started publishing back in 2009. Our third anthology is for women entrepreneurs. So, the oneday conference will kick-off the celebration of the release of the book. We will eventually grow this one-day event into a weekend for women entrepreneurs. HJW - What are your goals and mission with The Woman Entrepreneur’s Mentor and if you could choose any one past or present who would you like to be your mentor and why? Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


C.P. - The mission of The Woman Entrepreneur’s Mentor is an extension of the mission of my overarching company, Victorious Lifestyle Solutions. TWEM is the coaching, mentoring and consulting division of the business. Our mission is global and it is clear, empower women to learn how to define their own success both in business and life. Our goals are developed out of that mission. Each year we create a set of no more than 3-5 goals that helps us to deliver the mission of empowering women and teaching them how to create a plan for their success. This year one of our goals is to enroll five hundred women from around the world into The Academy. This may sound a bit cheeky, but honestly I would love to have both Oprah Winfrey and Martha Stewart as mentors. Why? Because they both started with an idea. I don’t even know if it was a dream, but they were able to take one idea an impact the lives of women in ways that have been phenomenal. Two different women, who are powerful and incredibly respected that were able to find their space and soar. Not only that, they both run media companies, television shows, magazines and have clearly defined their voice for their audience. Ok, I will stop there because I could go on and on. HJW - Out of all the things you’re involved in, which one holds a special place in your heart and how did it get there? C.P. - What a great question, mainly because everything that I do holds a special place in my heart. My heart is for women and anything I can do to empower, encourage and support them, I am there. Sometimes I take on too much because I am so very passionate about seeing women succeed. I am passionate about their success because I know what it is like to feel as if you have no voice, you have no place or no purpose. I have been there. It’s personal for me. I know the road I have traveled and if I can use my talents, my gifts and my abilities to serve the world, then I am always walking in my special place. HJW - In view of March being Women's History Month, what historical woman (past or present) challenges you to excel, and what is your favorite quote by them? C.P. I am going to go back to Oprah Winfrey. I have been following her career since she first started her television show twenty-five years ago. I was in my twenties and quite impressionable. I was smitten by her wit, candor and compassion. Twenty years later when I started thinking about having my own business, Oprah was my success litmus. She was my benchmark and has been ever since. Watching her grow and develop her business and how she handles challenges and difficulties is what I pay attention to the most.

Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


I actually quote her often when I am sharing my story. During an interview she did with Sheryl Sandberg, Chief Operating Officer for Facebook, Oprah said something that resonated with me deeply. To paraphrase her, she said, in spite of everything I have gone through in my life, every difficulty, every challenge; I would take nothing for my journey. It is because of that journey I am who I am, today. HJW - Finally, what is your favorite quote? C.P. - This is one I actually came up with myself, “If all you aspire in your lifetime is to be rich and accumulate lots of material stuff, then you have done your life, your gifts and the world a disservice. You are here to make a difference in the world and if you aren’t doing that then you aren’t living.”

Cheryl Pullins Web: www.imentorwomen.com Twitter: @iMentorWomen Facebook: The Woman Entrepreneurs Mentor LinkedIn: www.linkedin.com/in/capullins Email: capullins@imentorwomen.com

Interviewed by Waheedah ShaShena Alford CEO, WhyPR Marketing Web: www.whyprmarketing.blogspot.com Email: whyprandmarketing@gmail.com Twitter @WhyPR

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Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


Top Ten Etiquette Tips Every Professional Should Know by, Walethia Aquil Today , image is as important as ever, and in order to showcase the best ‘you’ to the world it is vitally important that you take control of other people’s perception of you. Any time you are out in public or are meeting someone for the first time, you are sending a message about who you are. Following the list of etiquette rules below will help to ensure that you put your best food forward and are always projecting an image of class and refinement. 1. Always arrive on time – Being late is rude and shows a disregard for the other person’s time. Making an effort to be on time lets the other people know that you respect them and are dependable. 2. Follow through – In business especially; if you say you are going to do something make sure to follow through. This will help establish you as someone of integrity and someone who can be counted on. 3. Thank you – Writing a thank you note after receiving a gift will most certainly let the giver know that their gift was appreciated and displays good manners and class. 4. Don’t be ‘that person’ on your cell phone – It’s hard to imagine a world without the convenience of cell phones. However, proper etiquette dictates that cell phone conversations should be appropriate in both content and volume when in public. Conversations of a delicate nature discussed in public are in poor taste, as is the disruption caused by loud speaking. Remember that others can hear you and to keep your conversation appropriate for anyone to hear while in public. 5.Don’t be the office gossip – While you may be dying to dish on the latest office gossip, don’t do it! Office gossip causes an unprofessional atmosphere and sends the message to everyone else that they can’t really trust you. Instead, be an example of someone of integrity and don’t say anything about someone that would embarrass you if they found out about it. 6. Dress Appropriately – Being dressed inappropriately can cast you in a negative light and cause embarrassment (especially at a work function). If you are not sure what attire the event calls for try to contact someone to ask. However, if that not possible it’s best to err on the side of caution and slightly over dress as opposed to showing up in a sweatshirt and jeans to a business casual event. 7. Positive Attitude – Having a positive attitude in the workplace and in life in general, can take you far. Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


No one wants to be around the ‘Constant Complainer’. Displaying a positive mental attitude exudes emotional intelligence and will make other want to be in your company.

8. Email –While it is an incredible communication tool that most of us couldn’t imagine life without, you want to make sure that your email communication is respectful of other and does not cast you in a negative light. When thinking email etiquette remember; Never write in all caps (this implies you are yelling), be sure your responses are complete and to the point, and never forward on virus hoaxes or chain letters! 9. Dining Etiquette – Make sure to remember your table manners. Nothing says ‘unsophistication’ like chewing with your mouth open or being a noisy eater. While it is good to know proper fork and knife placement, if you at least have the essentials of courteous dining manners you likely will be able to avoid embarrassment when fine dining. 10. Language – While it seems that slang is everywhere and every generation has their own unique array of expressions, it most certainly does not have its place in every situation. In the office, speaking to a teacher at your child’s school or generally any public speaking calls for the use of proper language. This shows respect to the person you are communicating with and highlights your intelligence. This list is not at all complete, what etiquette tip would you add? Walethia helps you build a new kind of wealth, “Social Capital” by equipping professionals and other service providers with training in proper business decorum and protocol’s in a step by step system that is specific to getting results. Now you can position yourself to never miss an opportunity due to fear, indecision, doubt, or lack of confidence. Learn how you can move from ‘Invisible to Impeccable’, visit Grace and Charm today. Have an etiquette/image question email Walethia: info@graceandcharm.com, direct number 1- 810-334-5427 or 1-866-610-3746. Want to connect with me? I’m only a click away. Like my Facebook fan page: http://www.facebook.com/graceandcharm Join Business and Career Etiquette: http://www.facebook.com/groups/graceandcharm/ Connect on LinkedIn: http://www.linkedin.com/in/graceandcharm Twitter: @graceandcharm2 You Tube: Grace and Charm Success Channel http://www.youtube.com/user/walethia?feature=mhum

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Go F.L.Y. A K.I.T.E MLife's Monthly Motivation (MMM's) by Marcus G. Williams III Today is a good day to go F.L.Y a K.I.T.E! Follow Life's Yearnings with Knowledge, Intensity, Thought, Execution...you may occasionally run out of wind or go by that kite eating tree, but if you keep flying your kite it will take off, do tricks, and soar higher then you ever imagined The easiest path to success is the one that comes from that quiet place within you that is desirable, natural, and comfortable. There’s no need to re-invent the wheel, just find the methodology that works for you to keep it rolling. Knowledge comes in many forms (book learning, mentors, research and experiences) and you’ve got a predisposition to be curious, inquisitive, and applicable. Let this be the catalyst to you seeking the desires of your heart with intensity. Use that intensity to evoke the thoughts necessary to make the changes towards the future you desire by creating goals, setting dates and establishing plans. Now that you’ve acquired the knowledge, intensely determined the future that you want, and applied considerable thought to the steps necessary to get you there, there’s nothing left to do, but to execute the plan and evaluate the results. It may not go according to plan the first time out, but your human and allowed to make a mistake from time to time. So don’t put to much pressure on your self, but rather just learn from them, adjust the plan and execute and evaluate as much as necessary until the goals are reached. So what are you waiting for, the winds of change are already blowing...Go F.L.Y a K.I.T.E Warning MMM's may result in enhancement of your knowledge, anointment of your spirit and edification of your soul. Marcus G. Williams III Speaker, Mentor, and Founder of T.EA.C.H.K.I.D.S Web: www.teach-kids.org Email: mlife.teachings@teach-kings.org Twitter: @mlife_teachings

Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


7 FREE Tips to Be at the Top of Search Engines by, Cinday Freland It takes a tiny bit of work to be in the top ten list of the search engines. But it's worth it. With a little effort and little to no cost, you can be at the top of the search engines so your prospects and clients can find you easily. Just follow these 7 easy steps and you are on your way: 1. Social Media Websites - Go to Knowem and type in your user name and set up an account. Check your availability on 120 popular social media websites. Create accounts with as many social media websites as you like and complete profiles with your business details and your photograph. 2. Social Networking - Chat on Facebook, Twitter and Jabberclub. Be sure you include lots of business details and your photo in your profile. Make comments interesting and helpful. Don't just enter ads about your business. 3. Classified - Regularly add three unique classified ads to Craigslist, Usfreeads, Oodle, Yahoo Classified, local classified (i.e., Shop Bowie) 4. Social Bookmarking Sites - Add your link to all social bookmarking sites. 5. Write articles about your niche or industry - Write 5-10 articles 300-400 words each and submit your articles to article directories, such as Ezinearticles. Post article in PDF format to Scribed and Freeq. Check out Squiddo and Hubpages. 6. Create a Blog - Submit blog to Blogger, 360.yahoo, Spaces.live and Wordpress. 7. Video Marketing - Use a camera (Flip Camera for $120, works well) to create a "how to" video and submit it to Youtube. Cindy Freland is the author of several business articles. Freland is an award-winning virtual assistant and founded Maryland Secretarial Services, Inc. in 1997. Phone (301) 352-7927 Email: cindy@marylandsecretarial.com Web: www.marylandsecretarial.net

Copyright Š2010-2012 Horizons Journal for Women – All Rights Reserved


Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


Up Level Your Life and Take Charge of Your Business, Finances, Health and Spirit by Sylvia Browder Are you a woman with a passionate desire to propel personally and professionally to the next level? Are you in alignment with your life’s purpose? Well, it’s time to Power Up and Up Level Your Life! Up Level Your Business It’s time to kick butt and find ways to grow your business! Reflect on your business's progress and make plans on how you want it to expand! Here are 3 ways to Up Level your business: Attract your ideal client. A client recently confided to me in frustration about a customer who regularly yells and demeans her bookkeeper. This bookkeeper is responsible for calling customers who are past due on their invoices. Though her customer is regularly late, he eventually pays. I looked at her sternly and said, “Fire your customer!” Yes, she was shocked at my response and wondered why I would suggest it. As I explained, the purpose of being in business is to align with your ideal customer. Right? The beauty is that you can pick and choose who you want to do business with. So, if your ideal customer is rude, obnoxious and constantly late in paying; then either keep that customer and eventually lose a good employee… or sever the ties! Set fees that reflect your value and service. Are you compensated for the expertise you provide your clients? This is a struggle for many. As an expert, you must possess a level of confidence in yourself and services. Assess the results that you have delivered to previous clients. Are they satisfied with the results? If so, ask for a written or video testimonial. Add them to your marketing collateral. This gives you credibility, thus, allowing your product or service to sell itself regardless of price. Design your signature program. Create a tiered program that allows you to add additional benefits to each level, thus, designing several price points. You are able to use the same offerings while creating more value to each tier. Even better, you can work with multiple clients at various price points. Up Level Your Finances Handling your money and finances can be downright dreadful! As director of a nonprofit SBA funded agency, I provide technical assistance to women seeking traditional or micro funding. Some are successful and at the top of their game yet struggle financially at managing their day to day personal and business finances. Their stories are painful yet all too familiar. Here are 3 financial tips that I commonly share with clients: Create a budget. A personal budget is extremely important in managing your household while your business’ budget allows you to maintain a positive cash flow, pay your overhead and show profit.

Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


Properly managing both will help you in determining how much you will save and invest! “The Time Value of Life,” is an informative book in which author Tisa L. Silva, combines finance lessons and reallife experiences to illustrate the importance of each. Two easy to use online tools recommended by Jenny Kerr, CEO of The Jenny Pincher, LLC are Adaptu and Mint. Both can help you track your expenses. Invest wisely. Having an investment plan is the key to long term success. There are many options available, so I suggest you speak with a financial advisor. Establish a savings plan. Do you set money aside for an emergency? Are you ‘Paying Yourself’ first? With the economy being so weak, sometimes it takes every penny that comes in to make ends meet. You must get out of that mind set and start saving on a regular basis. Start small and increase as time goes on. In addition, if you routinely pay all of your financial obligations before putting a percentage in savings, the probability of a healthy savings account or investments is slim. To avoid this, set up a separate account and have a certain amount automatically deducted from your paycheck. Up Level Your Health Maintaining a healthy lifestyle while running a business, taking care of your family and maintaining a household can be a juggling act. Many health care experts report that the leading cause of health complications is stress. How well are you listening to your body? It is sacred and should be treated as such! It is what keeps us alive. It is important to treat your body right. Here are 3 ways to minimize stress: • • •

Eat a balanced diet. Avoiding junk foods is an important factor in maintaining good health. Drink plenty of water daily. It is important to drink 8 glasses of water daily to slow down the aging process. Committing to this will keep your body fully hydrated and prevent dryness of skin. Avoid the sun. This is very harmful to your skin. If you must be in the sun, protect your skin from over exposure by using sunscreen products.

Up Level Your Spirit Are you listening to the voice of your inner spirit? What connects you to it? For some, it is meditation, reading scriptures or attending Church. Simply, spirituality is the search to know our true selves. Everyone goes through trials and tribulations in life, but the question is how long does it take to get through them? In spite of all that might be going on, it is important to listen to your inner spirit. Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


Live in the moment. By living in the now allows you to experience life directly! Look around you; enjoy the beauty of your surroundings; take a deep breath and exhale; and stop worrying about what if, instead, enjoy what is. Try this. Write down a daily affirmation and place it on your refrigerator, dashboard of your car or computer’s screen saver. For example, “Today I choose to be centered and connected to my spirit. I open my heart to the beauty of life!” Each day, make it a point to say it… mean it… and live it! In conclusion, when it comes to success in life, it’s about understanding your mindset and taking steps to Up Level your life!

Sylvia Browder is founder of National Association Women on the Rise, a virtual community for aspiring and established women entrepreneurs. She has served as an online volunteer SCORE counselor since 2004. For FREE weekly articles go to Sylvia Browder’s Blog for Women Entrepreneurs, www.sylviabrowder.com. She can be contacted at info@nawomenrise.com.

• • • • •

Become a fan of ‘National Association Women on the Rise:’ http://bit.ly/9qqvWW Twitter: http://twitter.com/sylviabrowder and http://twitter.com/nawomenrise Are you LinkedIn? http://www.linkedin.com/in/sylviabrowder Join ‘National Association Women on the Rise’ on LinkedIn: http://bit.ly/dsd5E0 Join our community on NING, www.nawomenrise.com

Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


Overcoming Rising Energy Costs! By, Kristen Hagopian Hey everyone – How about that gorgeous weather last week? I don’t know about you, but I loved the opportunity to throw open the windows and let in a blast of fresh air. Heaven. Along with all of the great news on the weather, however, was sobering news reports regarding fuel prices, power costs and their expected climb for the foreseeable future. I’m already receiving emails from local consumers requesting suggestions to offset spikes in power costs, especially as another summer rolls around. Let’s face it, if this summer proves to be anything close to the utility headache this winter was, it’s never a bad idea to come at July with frugal forces blazing to keep costs to a minimum. In my pursuits, some of my power-saving strategies were a definite hit, others were filed forever in an ever-expanding “CostCutting Comedy” file. Here are the tactics that packed some proven punch: (1) Research alternative energy providers. Yes, many of us got stomped with the (approximately) 30% rate hike last year. Boo hoo. Pity party over. In defense of local utility companies, rates hadn’t been raised in ages, and I’m certainly not going to begrudge a company the right to make a reasonable profit. That being said, the timing stinks. Unemployment is up, people are dipping into personal savings just to keep at the status quo, so any strategy we can put in play to combat higher utility rates is going to be a good move. Until now, when it came to energy providers, we went with the one automatically provided. Since the rate hike, I was BOMBARDED with mailers from alternative providers. When our household switched over to an alternative supplier last September, we were guaranteed savings of 15% over current rates (a nice dent in the 30% rate hike). If you’re getting hit with stacks of mailers from these alternative companies as well, take some time to tear a couple of them open. Do some number crunching and see if any might be a good fit. Somewhat related note: I’ve come across an energy-analyzer that can tell you pretty much what every, single appliance in your home (from freezer to hairdryer) will cost you to run & use. You go in thinking you’ll spend 30 seconds to determine what a new hot water heater would save you, and suddenly you’ll become obsessed by how much the light in the fridge is costing you whenever you open the door (or maybe that’s just me). Take a look when you get a chance: www.energyguide.com (2) Reducing electric dryer dependence to almost nothing. Those of you familiar with my blog already know I’ve been drying my clothes, the kids’ clothes, sheets, towels, etc on our clothesline for over a year now, and it’s taken down costs fabulously. To create even bigger savings this year, I’m going to try to do more towels on the clothesline, even though significant-others-who-shall-remain-unnamed really aren’t crazy about the final result. Yes, I’m the first to admit there is a marked difference in air-dried vs. dryer-dried towels. Basically, it takes the concept of Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


exfoliation to the level of a North Korean torture camp. That being said, towels are an energy HOG to dry in the dryer, especially when I watch the meter just outside the laundry room window spin like a Russian skater on steroids. Who needs that? I’ve heard from fellow frugalistas that putting air-dried shingle-like towels into the dryer for 5-10 minutes has them coming out fabulously fluffy. Sounds promising. Stay tuned. (3) New-fangled light bulbs. I replaced eighteen 60-watt bulbs with the new squigeldy GE Energy Star bulbs (they’re 13 watt bulbs that light like 60 watts). Boiling down the math as described on the back of the package, I’m supposed to save approximately .92 per month per bulb, so these bulbs alone should save me around $17/month, or $204/year. I’ve had these in the house for a while, and believe it or not, they do seem to be bringing down costs. That, and their reputation would suggest they’ll last somewhere into the 23rd century. Okay, not that long, but the savings are there, and significant, so it’s a good move if you want to bring down costs. (4) No more dishwasher use. Again, I’ve had this strategy in play for over a year, to great success. Energy costs came down huge, this even though I have an “energy efficient” dishwasher! At this point, I’m using my dishwasher strictly as a drying rack, and running it once every two weeks on low settings just to keep it in good shape. (5) Turning into the Power Nazi. At night, and when I leave the house during the day, the computer goes OFF. When it’s a bright, summertime day, there’s no need to turn on lights, unless complicated surgery is being performed in the same room. If I’m cooking on the stove, I cover pots & turn the heat down to simmer. If I’m baking like a crazy woman (my kids are muffin hounds and I’m often on cake detail for family celebrations), I use only one of the ovens in my (yes, ultra-spoiled) top/bottom convection wall unit (purchased when I was part of a “Dual Income, No Kids” household. Ahem). If I’ve got a lot of different things to bake, I’ll now keep it to one oven, alternate pans on different racks & switch it up halfway thru the baking time. Now, with all of these strategies in play – and they really are pretty easy to implement – utility costs here at the house have been reduced by about 20-30%, easily accommodating the recent spikes in rates. If I can do it, anybody can. If you find your pretty little blue utility envelopes giving you an itch between the shoulder blades, try any or all of these tactics for a powerful punch in savings. Frugal On!

Kristen Hagopian - Radio Talk Show Host, "The Brilliant Frugal Living Show" Personal Finance Author, Columnist & Motivational Speaker www.briliantfrugalliving.com

Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


Exposure for years to come in print and on the web for particiating women's organizations or women's groups! Leaders or Coordinators of women's organizations or groups are invited to send an email requesting participation details by March 15th to cookbok@womenstillstanding.org. You must included your full name, role, and organization/group's info (web, Fan Page name, or LinkedIn page etc).

Copyright Š2010-2012 Horizons Journal for Women – All Rights Reserved


Dear Horizons for Journal, I am ready to begin dating again with the goal of a serious relationship however not only do I feel awkward around men, I am extremely busy and have been curious yet concerned about online dating scenarios. Signed, What's a woman to do?

Dear “What’s a Woman to Do”, Thank s for your question! So you say that you are “awkward” around men, extremely busy, and have little time to meet “qualifed” men… Hmmm, sounds like you have a bit of a dilemma on your hands, but there’s hope! In my humble opinion, speed dating, online dating, match ups, and direct meets offer someone in your position the opportunity to maximize your options and/or cast your date-net far and wide, into the sea of love, to catch the guy that’s right for you in the shortest amount of time. Just so you know, I did discuss your question with a few of my single, professional buddies, and polled them on what method of dating they would prefer to meet their “well-qualified” counterpart. Three out of four said that they liked the direct approach best. The fellas explained that they thought this was incredibly “sexy”, “different”, and “intriguing” when a woman took the intiative to break the ice and introduce herself, instead of waiting to be approached by them first. According to my homies, speed dating was classified as cool and fun, but kind of cheesy. They were skeptical of online dating, because they’ve experienced being let down. It turned out that the pics & profiles online failed to meet either one of their expectations when they met face to face. As far as the set ups were concerned, they found that although similar interests were present, there was added pressure to force chemistry and make it work on the date, so that they didn’t disappoint the friends that set them up. All in all, I believe that you can find your ideal guy in any dating method you choose. But the main thing to remember is that you have to consistently be willing to make the time to take the risk to find the love (or qualified date) that you’re seeking. James E. Coston is a professional life coach, therapist, and motivational speaker. He also is the Founder & CEO of RefuseToQuit LLC, www.RefuseToQuit.com (a counseling and life coaching company), and host of the RefuseToQuit Radio Show and the creator of textTHERAPY ®, the world’s first text-based life coaching service. To get personal coaching and/or therapy from James or one his professional staff, simply text the word THERAPY to 32020. To book James for appearances or speaking engagements, send an email to founder@refusetoquit.com or call 215.554.2772. ©2012 Refuse To Quit LLC. All Right Reserved.

Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


Three Obstacles to Achieving Goals by, Osric V. Baugham You gain strength, courage, and confidence by every experience in which you really stop to look fear in the face. – Elenanor Roosevelt

This quote is a sense of inspiration for all because it is the truth. Your experiences make who you are. When I look at the three common obstacles that prevent one from achieving their goals, they are self-esteem (courage), self-discipline (strength) and critics (confidence).

Self-esteem is probably the biggest obstacle because it prevents you from sometimes starting on your path to achieve. If you have low self-esteem it is critical that you do a self-analysis. You must recognize the positive qualities that you possess. You must understand that no one is perfect. You must realize that you are capable of achieving your dream. Think about the things that you have overcome with or without help. You have the ability but you must believe. Everyday you must remind yourself of the positive characteristics that you possess. You are entitled to be happy. You are entitled to achieve.

Self-discipline is probably the hardest for some because it requires you to decide what is important. Self-discipline is about what you think and not how you feel. Once you have decided on what your goal is your discipline will be tested once the enthusiasm has worn off. The self-analysis will also be critical here because it will help to bring about awareness to both your strengths and weaknesses. Writing down your goals, dreams and aspirations will help you stay focused. I suggest writing a personal mission statement that you read everyday. Remember this quote "The price of discipline is always less than the pain of regret".

Critics are probably the most vocal obstacle you will face. Critics challenge your self-esteem and discipline. Critics have no gain on your success or failure yet they have opinions. When you believe in yourself, the critics will have little effect on your progress. They will actually give you more motivation to succeed. This can only happen when you believe. When you are confident in your abilities, is does not matter what your critics think.

These obstacles by no means are all that you will face but they are the most common. To conquer them your first step will be to believe in yourself. You know what you want. The question you have to answer is "Are you willing to be committed to achieving it?" I can tell you that if you are reading this you are headed in the right direction! Osric V. Baugham is committed to the 3Es (educating, energizing and empowering) through public speaking and coaching. I provide speaking and training services for businesses and organizations such as management leadership, motivating work forces and change management. My motto: Motivation is the key but Success is up to me! Please visit my website: www.osricbaugham.com

Copyright Š2010-2012 Horizons Journal for Women – All Rights Reserved


Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved


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Copyright ©2010-2012 Horizons Journal for Women – All Rights Reserved

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