CAWLM November 215

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NOVEMBER 2015

Fantastic Fall Crafts

Learn how to make Mason Jar Leaf Lamps

Pan Flies into Theaters Read about the newest Peter Pan movie

Get Ready for the Gift Giving Check out the Holiday Gift Guide for some fun gift ideas

Sue Carter LIVING AN EXTRAORDINARY LIFE

H O L I D AY 5 1 0 2 L A SPECI E! DE INSID I U G T F I G

Home Again.

Independent Again.

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NOVEMBER2015

FEATURES 19 Inspiring Equality, An ePIFanyNow.org Story 22 A New Direction for Diversity

RECIPES 31 Turkey Noodle Soup

OUR COVER

20

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Fantastic Fall Crafts

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Pan Flies into Theaters

20 Sue Carter, Living an Extraordinary Life Holiday Gift Guide inside!

Eat, Drink &

Be Merry

IN THIS ISSUE 4

From the Publisher

12 Local Women

5

Good News

14 Financial Facts

6

Nonprofit Profile

16 Business Coach

8

DIY Quick Crafts

18 Healthy LifeStyle

9

Movie Review

28 Tri County Events

10 Fashion

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32 My Community

32 On Our Cover: Sue Carter. Exclusive photography by Mark Warner.

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614 Seymour Avenue, Lansing, MI 48933 Phone: 517.203.0123 • Fax: 517.203.3334 Email: info@cawlm.com

CAWLM.COM

ISSUE XI • VOLUME VIII

women’s ^

Publisher

TIFFANY DOWLING Sales Manager

JENNIFER HODGES Account Managers

MEGAN FLEMING MANNY GARCIA

2-D

3-D

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Media Specialist

JILL BAILEY Production Director

KELLY MAZURKIEWICZ Art Director

BROOKE ERWIN Brand Manager

AMI ICEMAN-HAUETER Creative Manager

MARK WARNER Editor

ALICIA PILMORE Graphic Artist

MIKE FRANCE Web Managers

KYLE DOWLING SKYLAR KOHAGEN Event Calendar Manager

JAIME HARDESTY Contributors

SUSAN COMBS DEIDRE DAVIS ERIKA HODGES DELLA HUGHES-CARTER KRISTINE RICHMOND SARAH SPOHN

Life is three dimensional. And so are you. HGB is the first hospital in mid-Michigan to offer 3-D mammography in its Breast Care Center.

With a 40+ percent increase in accuracy over twodimensional mammography, this cutting-edge technology reflects our dedication to providing the best-in-class medical care you can expect from HGB. Schedule your 3-D mammogram appointment now. Call HGB’s Breast Care Center at 517-541-5805 to learn why our trusted relationships, strong capabilities and high-caliber physicians bring us together in health. hgbhealth.com

A DV E R T I S I N G I N F O R M AT I O N

Call

517.203.0123

Interested in hosting a distribution location?

Give us a call at 517.203.0123 or email at info@cawlm.com.

group

Capital Area Women’s LifeStyle is published monthly by M3 Group, Lansing, MI. All rights reserved. © 2015 M3 Group

3-D MAMMOGRAPHY NOW AVAILABLE!

No part of this magazine may be reproduced whole or in part without the express written consent of the publisher.

November 2015

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FROMTHEPUBLISHER

TRY SOMETHING NEW THIS

Holiday Season

I

find myself telling people all the time that in real life you just have to jump in and do it. If you’re waiting for the perfect time to have a baby, start a project, leave a job or sell your house, it just doesn’t exist. Well, I took my own advice. And, instead of waiting until the spring, I dove head first into the pool of the real estate market during the holidays.

into downtown Lansing has been a dream of mine for a while. I always wanted to live with a cityscape backdrop, and Lansing has really come into its own. I’m proud to be a part of this community and feel like it has made amazing strides since I started my business here 13 years ago. I can’t wait to see what the next 13 will bring. I’m ready, and if the stars align, I might be lucky enough to celebrate Christmas in my new home.

As a marketing person, I do know that people are looking for and buying things — even big-ticket items — every day. So, I asked, why not my house? What I didn’t remember after 13 years in the same house is what a crazy difficult process it is. First, you have to get your house ready.

And if you’re like me, once you’re done you hit your hand to your forehead and say, “why didn’t I do this sooner — for me?” Next, there is the downsizing of items. This is quite the process.

Now, I wouldn’t say I’m a hoarder by any means, but a woman and her family can accumulate a lot of items over the years.

One of the things that makes this city great is the people we meet. Sue Carter is one of the extraordinary women in our town. She believes she’s had an extraordinary life and I believe it’s only because she is so special. I hope you enjoy her story as much I did. The idea of trekking to the North Pole on an adventure is beyond me.

I’m not sure I could, but I hope her story does inspire people — including me — to try new things out of our comfort zones.

You may know that the Greater Lansing Business Monthly is a sister publication to CAWLM, and we just recently set the date for the GLBM Entrepreneurial Awards. The awards will take place on March 3, 2016, and if you want to nominate a business for this recognition, please don’t hesitate to go to LansingBusinessNews. com. It is one of my favorite nights of the year. We get to congratulate all the amazing entrepreneurs who are stimulating the economy and hiring our neighbors. It is my honor to meet them and give them encouragement for future endeavors.

With real estate, there are a lot of factors that need to come together perfectly. Real estate agents need a magic wand to accomplish selling and buying that flow together for a perfect process. It’s a rollercoaster of frustration. And, of course, as a control freak, this is an area not in my realm of responsibility. My responsibility does include keeping the house “show ready.” I think if I lived alone it would be simple; instead of cooking every night, I might opt for a quick bowl of cereal. However, I’m blessed with a wonderful family and a dog that keeps the cleaning in high gear and nonstop.

As we enter the holiday season, life tends to get so busy. I hope that this time of year gives you an opportunity to connect with family and friends

I’m not really complaining. I am thrilled to begin a new chapter of my life in a new home. Moving

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close to home and around the country and world.

Spending time with loved ones and counting our blessings gives us the power to reset and energize for the remainder of the hectic season.

Happy Thanksgiving!,

Tiffany Dowling | Publisher

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GOODNEWS

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We’d like to hear from you! Do you have a business or personal milestone announcement relevant to women of the Clinton, Eaton and Ingham counties? Please submit it to info@cawlm.com by the first of the month prior to the issue you wish it to be printed in. CAWLM reserves the right to edit all submissions for style, grammar and length. We look forward to sharing your good news!

PHOTO BY MIKE FRANCE

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FIRST ANNUAL WINE & WIGS RAISES NEEDED FUNDS FOR SUSAN G. KOMEN

MSU Federal Credit Union (MSUFCU) and Capital Area Women’s LifeStyle Magazine (CAWLM) hosted their first annual Wine & Wigs event to benefit Susan G. Komen Michigan on Tuesday, Oct. 20 held at MSUFCU headquarters in East Lansing. Many in the Lansing community came out in support of the fight against breast cancer.

Many of the attendees wore their best wigs while others purchased one that evening, where a portion of the proceeds benefitted Komen. This mixerstyle event included networking, wine, food and fun as guests shared in the fight against breast cancer. An auction-style gathering complete with princess wands gave attendees a fun way to give to the cause.

Tiffany Dowling, publisher of CAWLM and president and CEO of M3 Group, launched the event here because of her continued passion for, and support of, women’s causes in the greater Lansing community.

“CAWLM’s partnership with Komen was a natural fit for us. We already had an ongoing relationship with them and it seemed like the right time to

SIGN UP TODAY FOR SILVER BELLS 5K RUN/WALK

Silver Bells

On your mark, get set, go! Start the holiday season off right by joining us for the 31st Annual Silver Bells in the City, presented by the Lansing Board of Water and Light and the City of Lansing set for Friday, Nov. 20. Then on Saturday, Nov. 21, Playmakers and Downtown Lansing Inc. are hosting the 5th Annual Silver Bells 5K Run/Walk in downtown Lansing benefitting Silver Bells in the City and the Chris and Louise Holman Foundation.

The 5K Run/Walk will be chip timed and awards will be handed out to the top three finishers in each age group. Participants are encouraged to wear costumes, although they are not required. Prizes will be awarded in a variety of categories.

The Silver Bells 5K Run/Walk is presented by Blue Cross Blue Shield of Michigan and Blue Care Network and is coordinated by the Michigan

advance the cause by offering a fun event where women and others in the community can come, let their hair down in a relaxed atmosphere while raising needed funds for breast cancer,” said Dowling.

All proceeds from Wine & Wigs benefit Susan G. Komen Michigan in their efforts to raise awareness about breast cancer. For more information, visit komenmichigan.org.

Fitness Foundation. Visit silverbellsinthecity. org for more information or register online at runsignup.com/silverbells.

94.1 DUKE FM & 92.9 WLMI-FM PRESENTED TEDDY BEARS TO AREA LAW ENFORCEMENT AGENCIES

STUDENTS GET FULL ACCESS TO GREATER LANSING ARTS SCENE THROUGH NEW ACCESS ART PROGRAM

Lansing Symphony Orchestra (LSO) is launching a brand new program, ACCESS ART, which benefits students age 12 to 19 in the greater Lansing area.

In partnership with other arts organizations such as Happendance, Williamston Theatre and Lansing Art Gallery, ACCESS ART speaks to students with an interest in writing, music and the arts scene. Those who sign up for an ACCESS ART card can purchase $5 day-of tickets to events around Lansing.

In addition to discounted tickets, each partner organization will offer its members a free master class in their field ranging from improvisational theater and dance to creating new works of art and meeting the Maestro. These free master classes will be held throughout the season.

Visit accessartmi.org for more information and to sign up for the program.

On Tuesday, Oct. 13 at 10:00 a.m. in the rear of Shaheen Chevrolet, 94.1 DUKE FM and 92.9 WLMI-FM conducted a Teddy Bear presentation to representatives of the Lansing Police Department, Eaton County Sheriff’s Department and Ingham County Sheriff’s Department. This wrapped up a 14-week campaign to collect teddy bears and stuffed animals for the use by area law enforcement to comfort small children involved in traumatic situations. This year, more than 4,000 teddy bears and stuffed animals were collected.

November 2015

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NONPROFITPROFILE

BY SARAH SPOHN | PHOTOS BY MIKE FRANCE

A L L FA I T H M I N I S T R Y F O R

di sA B I L ITIE S L ife’s twists and turns can be hard enough for the able-bodied, but overcoming obstacles can be even more difficult for persons with disabilities.

All Faith Ministry for disABILITIES is a nonprofit organization aimed at aiding and providing support for persons and families of persons with disabilities.

Started about a year ago, All Faith Ministry stemmed from the need for additional help.

Executive Director, Stefanie Craft, spoke about the early days of the nonprofit.

“It came from the need of having support and not really having anything in the area that emotionally and spiritually supported people with special needs their families and loved ones that we knew, in this area,” Craft said.

The ministry serves persons with birth or lifeincurred disabilities and their families. Located in DeWitt, Mich., the faith-based ministry believes all people, regardless of abilities, are precious gifts from God. According to the mission statement, the nonprofit believes all people are on this earth to have meaningful lives, and teaches the lessons of faith, hope, humor and love.

Although the organization is faith-based, Craft said it is not tied to any particular religion, but rather, focuses on the faith of humanity.

A topic that’s particularly close to the founding members of All Faith Ministry, is that special needs lifestyle accommodations and support are vital.

“I have a son with special needs, and I could tell you right now that without having faith in your

All Faith Ministry for disABILITIES is located in DeWitt, Mich. future and hope, there is nothing that helps you,” Craft said. “I wanted to give people faith.”

“It’s not related to any religion, it’s totally related to the faith in people today and giving them hope in their situation or their needs and supporting them.”

Plenty of individuals and their families have

With 15 years of experience serving successful women and their families in the Lansing area, Stephanie uses her comprehensive approach to financial planning to provide advice for women who want to be empowered and informed as they make complex decisions about their future.

YOU BELONG

AT THE Y YMCA OF METROPOLITAN LANSING

Join Today!

See how a Y membership will help you learn, grow and thrive.

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Capital Area Women’s LifeStyle

The Y. So Much More.

November 2015

As the only

Certified Divorce Financial Analyst

(CDFA™) in Lansing*, she believes that freedom and independence are core values of successful women, regardless of marital status.

Call me today at 517.349.2880 for a complimentary initial consultation.

Stephanie Milosavlevski CFP®, CDFA™ Financial Advisor 2182 Commons Parkway • Okemos, MI 48864 • 517.349.2880 stephanie.j.milosavlevski@ampf.com ameripriseadvisors.com/stephanie.3.wycoff * Source: Institute for Divorce Financial Analysts (IDFA™). The initial consultation provides an overview of financial planning concepts. You will not receive written analysis and/or recommendations. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP (with flame design) in the U.S. Investment advisory services and products are made available through Ameriprise Financial Services, Inc., a registered investment adviser. Ameriprise Financial Services, Inc., Member FINRA and SIPC. © 2015 Ameriprise Financial, Inc. All rights reserved. 1277686ACMR0815

found hope through the organization’s outings, masses, prayers and kind words of encouragement over the last year.

Whether it’s physical resources, worship events or just a friendly phone call, the organization is aimed at creating community.

Aside from prayer, worship and masses, the group puts on fun special events such as bowling, CPR classes and support groups, all while providing resources and transportation.

It’s a community the group’s founders are all too familiar with, each affected with disabilities in their immediate families.

These special events often bring smiles and sometimes even tears of joy to the families and ministry staff.

The smiles and togetherness are Craft’s favorite part about her job. She enjoys when others realize that there’s plenty of beauty in otherwise flawed circumstances. “We all have imperfections in our lives, but what makes us perfect is all of us working together to help somebody out; that is perfection to me.”

Special needs persons, families, friends, mentors, volunteers and staff all come together and embrace differences at the ministry. The warm embrace is something Craft says isn’t everywhere though.

“Life is tough, and sometimes you don’t always get a warm response from people,” Craft said. “But at these services, the smiles and the kindness and involvement, the love that these kids feel — you see it all over their faces. Just knowing that they are involved in something; it matters to them and it matters to us.”

“We’ve all lived the life; we’ve experienced these things and we want to be the forerunners to help in this desperate need that we see in this area and in neighboring areas,” Craft said. “There are certain things that you can go to for help but really there is no emotional connection, and that’s what we want to be. We want to be there to help people if they need something.”

For more information on events and resources offered, visit disabilitiesministries.org.

Sarah Spohn received her degree in Journalism from Lansing Community College.

She’s a concert junkie; living and breathing in both the local and national music scene. She is proud to call Lansing her home, finding a new reason every day to be smitten with the mitten.

Craft. tor Stefanie ec ir D ve ti u Exec

November 2015

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DIYQUICKCRAFTS

BY JENNIFER AND EMMA GRACE HODGES

MASON JAR

Leaf Lamp

W

ith fall in the air and the gorgeous trees changing colors, what better time to create a quick craft using leaves for a fall decoration. This month my 12-year-old daughter, Emma Grace, took it upon herself to takeover my DIY craft and I have to say I don’t think I could have done this craft any better. The finished product will look great in any room of the house and will create an attractive, warm glow. This DIY craft requires a few supplies that can be found at most dollar stores or craft stores.

SUPPLIES • A crafty 12-year-old!

• Mason jar • Fake fall leaves – (our leaves purchased from the dollar store) • Scissors • Light bulb with cord to plug • Hot glue gun • Hot glue sticks • Raffia

DIRECTIONS STEP 1 — Take the hot glue gun and apply glue to the tops of the leaves and place inside the mason jar.

STEP 2 — When the inside of the mason jar is covered with leaves, snip the top where the leaves may be poking out of the jar.

STEP 3 — Tie a piece of raffia around the jar.

STEP 4 — Place the bulb in the jar.

STEP 5 — Display and receive lots of oohs and ahs.

Jennifer Hodges is a Southern belle at heart, however, she does bleed green. A native of North Carolina, she has lived in Michigan since 1998. When not crafting, Jennifer is the Vice President of Business Development at M3 Group. She loves spending time with her family, camping and singing lots of karaoke.

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MOVIEREVIEW

BY KYLE DOWLING

M

ost people have grown up hearing stories about Peter Pan and his adventures in Neverland, but his arrival to this magical world has never been made clear. In Pan, we finally learn how the Boy Who Wouldn’t Grow Up came to live among mermaids, pirates and the Lost Boys.

As an infant, Peter (Levi Miller) is left at an orphanage with nothing but a pan flute necklace to remember his parents by. He grows into a rambunctious child who frequently causes trouble at the orphanage. One night, realizing that some of the boys were missing, Peter decides to investigate. When he’s captured by Blackbeard (Hugh Jackman) and taken away on a flying pirate ship to work in the mines of Neverland, Peter and his new friend, Hook (Garrett Hedlund) devise a plan to escape. After their getaway ship crashes, Peter and Hook join forces with Neverland natives to take on the pirates, and Peter learns more about his destiny than he ever imagined.

Hugh Jackman and Levi Miller gave the best performances; Jackman’s depiction of the legendary pirate, Blackbeard held true to what you’d expect from a pirate, and Levi Miller brought a seriousness to Peter Pan that one wouldn’t normally expect.

The film relied heavily on CGI and special effects, but the 3D made the movie come to life. I often found myself flinching when objects jumped off the screen and came straight at me. The colorful native camp was one of the scenes that I enjoyed the most; it looked like everything in the camp was made of colorful yarn.

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The one thing that I wanted most from Pan was to see what happened between Peter and Hook to make them enemies, but by the end of the movie, they are still friends and nothing really happens negatively between them. Perhaps another installment of the Pan series will explain how the two became enemies.

Fast-paced, action packed and full of adventure, Pan is a great movie for the whole family. If you’re looking for an exciting children’s movie to take the kids to this weekend, you can’t go wrong with Pan. Kyle Dowling is an employee of M3 Group and is pursuing a writing degree at LCC. He enjoys fiction writing, video games and movies.

This movie review is brought to you by Studio C! where movies taste better!

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CAWLM.COM

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FASHION

BY MELISSA DOWRICK| PHOTOS BY MIKE FR ANCE

TRANSITION TO YOUR

Winter Wardrobe

THE WEATHER IS CHANGING EVERY DAY, AND SOON WE WILL BE TRANSITIONING INTO THE COLDER MONTHS OF WINTER, SO IT’S TIME TO RAID THE WARDROBE AGAIN. THE LADIES AT CAPITAL AREA WOMEN’S LIFESTYLE MAGAZINE HAVE SOME GREAT IDEAS FOR THE SEASON’S TRANSITION, AND KELLIE’S CONSIGNMENTS IS HERE AGAIN TO HELP!

LIGHT AND BRIGHT Keep it crisp for the start of fall. Don’t be afraid to mix and match fabrics and textures. Try a silky blouse or dress and pair it with a fall scarf and matching accessories. Bring your fall color tones into the outfit with accessories such as scarves, shoes and bags. These colorful accessories are also great ideas for gifts as we approach the holiday season. You can take them from summer to fall, winter to spring and bring a pop of color to any season.

Dress, $54.99; Jacket by Ralph Lauren, $32.99; Purse by Coach, $69.99; Flats by Jessica Simpson, $15.99; Heels

by Stuart Weitzman $49.99; Scarf, $9.99; Red wristlet by Michael Kors, $59.99; Pink wristlet by Tory Burch, $99.99; IPad Case by Michael Kors, $24.99; Necklace, $16.99 all available at Kellie's Consignments.

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DARK AND SLEEK Fall is in full swing, so bring out the leather! Try pulling darker pieces out of your wardrobe and pair it with deep tone accessories to give you a sleek fresh look for the cool days. You still have time to show off that pedicure, grab a pair of open toe wedges. Keep it in the dark and sleek family to capture that fall season feeling in your outfit and you’ll be ready for the constantly changing temperatures!

Top by Ls Top, $39.99; Pants by Michael Kors, $29.99; Green scarf, $8.99; Vest by Coldwater Creek, $24.99; Herringbone scarf $8.99; Heels by Coach, $59.99; Wristlet by Coach, $39.99; IPad case by Tory Burch, $74.99; Sunglasses by Camrose and Kross, $49.99; Purse by Alberta Di Canio, $99.99; Purse by Zara, $29.99 all available at Kellie's Consignments.

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CAWLM.COM

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LOCALWOMEN

PHOTO BY MIKE FRANCE

A Powerful Force in Lansing

Julie Powers

Executive Director of Greater Lansing Housing Coalition

J

ulie Powers is on a mission to make Lansing a better place — one living community at a time. As the Executive Director of the Greater Lansing Housing Coalition, a community housing development organization, she works to create affordable housing for families in the Lansing area. Powers advocates for housing planning in local municipalities; she works with communities to help them reflect their values and creates ordinances to make sure that people are comfortable and communities have a say in what is built around them through zoning. Powers’s hobbies include cooking, reading mystery novels and doing needlework. She makes sure to cook at least a few nights a week and reads food blogs to get inspired to cook different dishes. When she’s not cooking or working to solve Lansing’s housing problems, Powers spends time with the international exchange student she is currently hosting. Originally, they planned on a short, three-week stay while another host family was found, but Powers decided to extend to the full program instead. Since he arrived, Powers has tried to make sure that he has the opportunity to experience as much of Michigan as possible. They spent time at Lake Michigan and went to water parks, while also trying to work in some local experiences like farmers markets and trips to the MSU Dairy Store. Powers is dedicated to the Lansing area and does everything she can to show others how great this area is.

BY KYLE DOWLING

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November 2015

LOCALWOMEN

PHOTO BY MIKE FRANCE

Building Community

Kathreen Francis

President of the Downtown Neighborhood Association

W

ith plenty of new businesses and people moving into downtown, Lansing is once again becoming a bright spot in the Mitten state. Kathreen Francis, president of the Downtown Neighborhood Association (DNA), is here to help make sure that the city continues to shine. Originally from Sault Ste. Marie, Francis moved to Lansing to attend school at Michigan State University.

Like so many others, she didn’t think she’d end up staying in the town she moved to college for. More than 20 years later, she’s still here and has a love of Lansing that’s stronger than ever. During the week, Francis works in the Medicaid third party liability area in the Capitol Commons building located downtown. When she’s not working at her 9 to 5 job, she’s working with the members of the DNA to achieve the many initiatives that are currently in progress. “Building neighborliness among the downtown residents, schools and businesses is something that’s incredibly important to us,” said Francis. “When I moved downtown, I wanted to feel like I was part of the downtown community. I feel like that’s coming together.” One of the bigger projects the DNA is currently working on is putting together a grant proposal to host a downtown virtual tour with people and businesses who reside in the downtown area. Other goals include advocating for state housing and code compliance, numerous beautification projects and other creative ideas to create a sense of community. While the DNA has many ideas, projects and goals they would love to accomplish, Francis knows that things take time. She also knows that she’s here to stay.

BY KALYNNE MCINTYRE November 2015

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FINANCIALFACTS

BY DEIDRE DAVIS

A

F G N I Y L PP

?

N A O L A OR

w o h s ' e r e h

APPLYING FOR A LOAN CAN SEEM LIKE A DAUNTING TASK; A LOT OF PLANNING AND INFORMATION GOES INTO THE APPLICATION AND THE LOAN PROCESSES. BECAUSE IT’S A BIG DECISION, YOU’LL WANT TO ENSURE YOU’VE CHECKED ALL OF THE BOXES. HERE, WE’VE LISTED THREE STEPS THAT YOU SHOULD TAKE BEFORE YOU SUBMIT YOUR LOAN APPLICATION. THEY’LL HELP YOU PREPARE AND MAKE SURE YOUR NEW LOAN GETS YOU EXACTLY WHAT YOU NEED IN THE BEST WAY POSSIBLE.

Holiday Gift Giving! Up to Half Off! Bella Furs is coming back to Lansing! Stop by the Hampton Inn & Suites to check out the latest fur fashions!

OKEMOS: Hampton Inn & Suites 2200 Hampton Place Okemos, MI 48864

SPICE UP YOUR FITNESS!

November 6, 7 & 30 December 1 & 2 (9 a.m. — 6 p.m.)

Pole, burlesque, belly dance, suspension and cardio classes.

NEW STUDENTS receive 15% off any purchase.

P: 1.877.459.8331 www.bellafurs.com 660 Croswell, Gaslight Village, East Grand Rapids, Michigan 49506 STORAGE • CLEANING • REPAIRS • REMODELING • APPRAISALS 14

Capital Area Women’s LifeStyle

November 2015

517.802.8265

www.stilettosandsteelfitness.com

RESEARCH ISN’T ONLY FOR SCHOOL Even at one credit union, there are many different loan products offered to borrowers. There can be personal loans, vehicle loans, student loans, revolving loans, fixed-term loans and much more. Whatever your financial needs may be, chances are that you will find a loan product to suit you.

While you will most likely have options, it is important to remember that each loan will have different benefits. Depending upon what you need, you might find a better deal with a loan that you did not initially consider. For example, if you’re looking to pay off credit card debt, you’ll likely first think of a debt consolidation loan. However, if you have available equity in a vehicle, you could refinance that equity with an auto loan at a much lower interest rate and save yourself money in interest overall. Do your due diligence and review each loan product and what it can offer to you. If you are uncertain what loans will work for you, contact a representative at your local credit union.

Together, you will find a loan that best suits your needs and your lifestyle.

DUST OFF THOSE MATH SKILLS Who knew applying for a loan was similar to being a student? When you get a loan, you are borrowing money from a credit union or other financial institution with interest. Before submitting the application, make sure you calculate the amount of interest that you will end up paying while you have the loan.

If math isn’t your strong suit, don’t worry. There are plenty of loan calculators available for you to use at no cost or membership obligation. Try the calculators on our website at msufcu.org/calculators. After inputting a little information about the loan you are considering, you will be able to determine how much your loan payment will be, how much you can actually afford with your income, compare two different loans to see which one will save you the most money and more.

LOOK AT YOUR FINANCIAL REPORT CARD You wouldn’t buy a car without first making sure it runs properly, and the same goes for loans. Now that you’ve done your research and determined the best loan for you and your budget, it’s time to check out your credit report. We call it your financial report card because it shows how well you’ve managed your current and previous loans. If you’ve paid your loan payments by their due dates, your credit score will reflect that positively. A higher credit score means that you will receive a lower interest rate and pay less in interest on your new loan. Additionally, you’ll want to make sure that the items listed on your credit report are reported correctly and actually belong to you. If there are any inaccuracies on your credit report, it could affect your score and, consequently, your chances of getting a loan with an affordable interest rate. Try using annualcreditreport.com. This website allows you to view your report for free without harming your score.

Deidre Davis is the Vice President of Marketing and Communications at MSU Federal Credit Union. MSUFCU’s headquarters are at 3777 West Road East Lansing, MI 48823. Contact Deidre at deidre.davis@msufcu.org or (517) 664-7877.

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15

BUSINESSCOACH

BY SUSAN COMBS

THE SHIFT IN

POWER R

ECRUITING AND RETAINING TALENT, EMPLOYEE ENGAGEMENT, HIGH PERFORMANCE WORK TEAMS AND CREATING A COACHING CULTURE; THESE HAVE BEEN THE REPEATED THEMES PERCOLATING IN ORGANIZATIONS THIS YEAR AND ARE THE FOCUS FOR MANY ORGANIZATIONS’ 2016 GOALS.

In October, the results were released from the August 2015 research on building a coaching culture and its connection to employee engagement. This research was a collaboration of the International Coach Federation (ICF) and the Human Capital Institute (HCI). The ICF is a 24,000 member global organization. HCI is known as the global association for talent management.

In this study (340 responses from companies of all sizes), 88 percent agree that employee engagement is important for their organization and 70 percent of respondents report that their organization measures it.

When asked, “What is your organization doing to increase employee engagement?” the top four responses were: •

Create opportunities for employees to stretch and gain skills – 70 percent

•

Enable managers to use coaching skills – 60 percent

•

Offer opportunities for meaningful work – 56 percent

•

Give employees more ownership of work – 53 percent

The researchers note that many factors influence employees’ engagement, but organizations that offer coaching report higher engagement levels compared to the previous year across all employee segments.

The research talks about three modalities or ways that coaching can be delivered. They include: 1.

External coach: a self-employed professional coach practitioner or someone who partners with other professional coaches to form a coaching business. (This is what I am.)

2.

Internal coach: a professional coach practitioner, who is employed within an organization and has specific coaching responsibilities identified in his or her job description. (This is usually not this person’s sole job, but part of his or her overall responsibilities.)

3.

Manager/leader using coaching skills: a leader who works with his or her direct reports within the organization to create awareness and support behavior change of employees. This is accomplished using coaching knowledge, approaches and skills. (There are many options for providing managers and leaders with the opportunity to learn coaching skills. Call me.)

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The research found that the use of all modalities has increased this year. The use of external coach practitioners has grown the most (increased 12 percentage points) over the past year. The use of internal coach practitioners has increased by seven points and managers/leaders using coaching skills by two points.

THE SHIFT IN POWER With research like this from ICF and HCI, the good news is an increased attention on employee engagement and coaching. More people at all levels have access to coaching now. It is increasingly viewed as a perk to help professionals get to the next level in their careers.

But not everyone is singing this tune. This past summer I spoke at a conference on the topic of preparing the next generation of employees. When I asked for a show of hands of whose companies that offer coaching, a mentor program or leadership development training, there were only a smattering of raised hands for each option.

So, here’s a little encouragement to think about when adding coaching as a development option and offering coaching skills training to your 2016 goals.

An October 2015 Harvard Business Review article shows the shift in power when it comes to talent. When recruiters were asked, “How would you describe today’s labor market?”, — 90 percent said it was candidate-driven versus only 10 percent employer-driven. Ninety percent! This is a huge shift from just four years ago, when in 2011 the balance of power was reported as closer to 50-50 between employers and candidates.

As you develop 2016 goals, look to see what can be put in place to begin to develop a strong coaching culture. The ICF and HCI research found that organizations allocate 14 percent of their training budget for coaching initiatives (up from 11 percent in 2014). Those with strong coaching cultures allocate even more of their training budget toward coaching. By having a strong coaching culture in place, you will reap the benefits of higher employee engagement and a stronger financial performance.

Susan Combs, MBA and Professional Certified Coach, works with coaching clients to create fresh starts, enhance their leadership skills and increase their confidence. She is an authorized licensee of The Fit Leader’s Program®. Susan provides one-on-one coaching, DiSC team-building training, and manages corporate mentor programs. She lives in Lansing with her 11-year-old son, Max, and their high-energy golden retriever puppy. Visit SusanCombsCoaching.com or MentorRoadmap.com for more information.

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GIVING THANKS One way to practice gratitude with family is reading memories that are stored in a “blessings jar” throughout the year.

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S

tudies show that grateful people are happier. The endorphins released from being thankful naturally lift your mood, energize your approach, and relieve you of unnecessary stressors. Thanksgiving reminds us to be thankful, but it shouldn’t be the only season to practice gratitude. Below are a few ways to incorporate thankfulness into your year round routine.

see the blessings in your life, write them down and place in the jar. Encourage your loved ones to join you in the task of all-year thankfulness.

At your Thanksgiving table, you can open the jar and hand each guest some blessings to read as you go around the table. Memories of thankfulness will engulf your room as you look back and see how much you and your loved ones have to be grateful for.

DAILY JOURNAL

PAY IT FORWARD

To improve your mood and lift your spirits all year long, now is a great time to begin the habit of writing three things down a day for which you are grateful. I did this journaling for one year, and it is amazing how much joy I received throughout the 365 days. I had no reason to complain!

To bestow gratefulness onto others, remember the adage to, “pay it forward.” Each day, try to do one small burst of giving to someone else.

Pay it forward with a phone call, a prayer, a handwritten letter or free coffee for the person behind you in line.

CREATE A BLESSINGS JAR Another idea to put gratitude into practice is by making a blessing jar. Place the jar on a counter with a pen and some scraps of paper.

Whether you live alone or with your family, you can begin this practice. All year long, as you

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Why not when you are exercising or taking your daily walk to reflect mentally on life’s blessings that you have? Naming these gifts out loud will carve your memory and remind you that life is good even in the hard times. You will be grateful all year long!

November 2015

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M I SCON

HEALTHYLIFESTYLE

BY DELLA HUGHES-CARTER

A

s a nurse practitioner, I encourage vaccination as a way to promote health. I am frequently asked questions about the flu and the flu vaccine. Here are a few questions I often receive:

Can the flu vaccine give me the flu?

No, but there can be side effects from the vaccine. Mostly soreness at the injection site, but sometimes a low-grade fever, muscles aches, cough and headache can occur. This is the body’s early immune response reacting to the vaccine. If not contraindicated, taking Tylenol or ibuprofen before receiving the vaccine and 24 hours after can ward off these side effects.

Are nausea, vomiting and diarrhea symptoms of the flu?

No, flu is a respiratory disease caused by the influenza virus. It is not a stomach or intestinal disease, although these symptoms can become a complication of the flu. The flu can lead to other serious complications such as pneumonia and blood infections. Every year, thousands of Americans die or become hospitalized because of the flu. Infants, young children, people over 65, those with certain chronic conditions or weakened immunity are at greatest risk for flu complications.

Do I really need the flu vaccine every year?

Yes, the CDC recommends a yearly flu vaccine for most everyone six months and older. The body’s immune protection from the flu vaccine declines over time. Children six months to eight years may need two doses, one month apart to boost their immunity. There are some people who should not get the vaccine, such as those who have severe life-threatening allergies to the flu vaccine, or those who have had Guillain-Barre Syndrome. Some types of the flu vaccine contain a small amount of egg protein; if you are allergic to eggs, tell your healthcare provider. It does not mean you can’t be vaccinated, but special precautions need to be made.

CEPTIO

The Flu

NS ABO UT

I don't like “shots,” is there another way to receive the vaccine?

Yes, for those who are healthy, not pregnant, ages two through 49 and not visiting or taking care of someone with a weakened immunity, there is a nasal spray that contains a live attenuated (weakened) influenza virus. The nasal spray vaccine cannot cause the flu and is a good choice for many.

Vaccines are considered a medication, and with any medication there are risks. I encourage you to have a conversation with your healthcare provider and be well informed. The CDC monitors the safety of vaccines. For comprehensive information about the flu vaccine see the CDC’s website: cdc.gov/flu/about/season/flu-season-2015-2016.htm

Dr. Della Hughes-Carter is a board certified nurse practitioner with a primary care practice, and a faculty member of the College of Nursing at Michigan State University. You can contact Della by email at della.hughes@hc.msu.edu.

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INSPIRING

BY SARAH SPOHN

I

t’s 5:50 a.m., Bernice’s alarm clock goes off.

Time to get up. She rises, gets dressed, does her makeup and hops into the car. She drives to school, blasting Creedence Clearwater Revival on the way to Okemos High School.

While her taste in music isn’t that of a typical teenage girl’s playlist, neither is 16-year-old Bernice Gajda’s community advocate role.

Call her an old soul; she’ll admit she went through an 80s phase — side ponytail, leg warmers and all — despite being born in the late 90s.

Declaring the rough time of ‘finding herself’ during middle school, Gajda is proud of who she has become, and much of that is thanks to inspirational figures in her life.

“It was rough, and teachers are what got me through it,” Bernice said of middle school. “I’ve had some very inspirational teachers in my life who have completely persuaded me, and I feel a very strong passion when I do teach, like to my class.”

Also influenced by her mother and grandmother, she’s never felt the need to hide her opinion or lower

her voice as a woman. Last year, she and her friends started a feminism club at Okemos High School.

“The basic goals of the club are to promote gender equality throughout the school, not just in men versus women, but in people who identify with other genders on the spectrum or those who don’t identify with a gender at all,” Gajda said.

An ePIFanyNow.org Story

Currently in Advanced Placement (AP) art, she enjoys different mediums, including creating portraits of women.

After high school, this motivated young lady plans on double majoring in English and art at MSU. In the meantime, she’s happy to be a friend and invite her peers to come together, despite their backgrounds.

The club has about 20 members and meets biweekly. Despite the seriousness and sometimes dark side of the controversial topics discussed within the club, Gajda is quick to show a welcoming, friendly demeanor as well as her creative side at meetings.

“One cool thing about the club is that it pulls women and girls from all walks of life from the high school and all different kinds of people all united on this central theme of togetherness and equality,” she said.

“We make cinnamon rolls, not gender roles, for every meeting,” she said. “It’s just a place where people can have important conversations about gender equality in our society and also a place where people can just be emotional and be with other people — have good moral support.”

In the future, Gajda aspires to be a middle school teacher, and further advocate for equality in her community.

While being an outspoken advocate, Gajda also enjoys art, English, journalism and yoga.

For more information on ePIFanyNow™ visit epifanynow.org and join the group Sunday, May 1, 2016 for the next ePIFanyNow™ party.

In ninth grade, she won an award for her photography portfolio in the Lansing Art Gallery competition.

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Sue CARTER L I V I N G A N E X T R AO R D I N A RY L I F E

BY AMI ICEMAN-HAUETER | PHOTOS BY MARK WARNER

T

O TRY TO DEFINE SUE CARTER BY A SINGLE CAREER, JOB TITLE OR EVEN A SINGLE INDUSTRY WOULD BE IMPOSSIBLE . THE THREE TIME EMMY-AWARD WINNER, WHO LED AN ALL-WOMEN’S TREK TO THE NORTH POLE COULD NEVER BE DEFINED BY A SINGLE TITLE , BUT PERHAPS BY A SINGLE WORD: EXTRAORDINARY. Carter’s curiosity for exploring started at an early age. As the daughter of a military man, Carter spent six years in France and attended school with children from the NATO nations before moving back to the United States and falling in love with journalism.

“I had an interesting childhood. My father was in the Air Force and all of my elementary education was in the Department of Defense schools. We lived in France for six years and I attended an international school with children of NATO nations. It was a wonderful cultural experience. There were girls in my class from Turkey and kids with all different religions,” Carter said. “We moved back to the States and I started high school in Niles, Mich. I had a great high school experience, but the transition from overseas was challenging; that is when I really became involved in journalism. I worked on the school newspaper and was the editor my senior year.”

Following high school, Carter attended Michigan State University (MSU) with the idea that she would become a French teacher.

However, as her college career unfolded and national politics took center stage, Carter found a different calling.

“When I came to MSU, I thought about being a French teacher. But it was a challenging time to be at a university … Nixon was elected, Martin Luther King was assassinated, Bobby Kennedy was shot, and I spent more time in politics than I did in the classroom. I am the class of 1972, but I technically finished in 1984. I guess you could say I was on the 16-year plan. But what I found during that time was a strong pull to make some change,” said Carter.

Carter was about a semester away from graduating when she landed a job that would kick-start her career. She’d finally found her true calling in broadcasting.

“I had taken a job as a part-time reporter at a local radio station; I was working and taking a class or two at a time when I left for a full-time position. They were looking for a woman,” Carter said. “It was a time where they were strongly urging broadcast to increase diversity and I applied and got the job. It was then I really fell in love with broadcasting.”

Broadcasting offered Carter a unique way to communicate and explore the world. She found her voice and her future in broadcast.

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November 2015

“I like the immediacy of it and the connection with the audience. I have a special place in my heart for radio. What a wonderful form of communication,” said Carter.

After landing her first full-time gig, Carter’s career was a non-stop adventure in creativity and exploration in broadcasting and journalism and eventually, law and education.

“I worked for WVIC for not quite three years and it was clear that I needed to think about the next stop. I applied at WXYZ-AM in Detroit where Dick Purtan was at the time. I was the first women to be part of the news operation and got my toehold in Detroit. I worked at WHMD in Connecticut as the news director and came back to Detroit to work for WABX. I applied at WWJ and quickly became the mid-day anchor. I’d come and go from it through the years. I took a break when my daughter was born and when I worked as press secretary for Jim Blanchard,” Carter said.

“When I was the public affairs director and then editorial director at Channel 4 in Detroit, I was going to law school at night. Then I passed the bar and started at Wayne State and did both for a while.”

Carter joined the MSU faculty in 1991 as a professor for the School of Journalism, where she educates on an array of topics including media law, religion reporting, constitutional law, sports media and journalism history. Throughout her career, Carter has held numerous positions at more than a half dozen stations and multiple

universities and organizations; through it all, she found new ways to test the limits of her industry and herself.

In 1990, Carter was named UPI Sports Broadcaster of the Year for her work reporting the Detroit Free Press International Marathon while running in it. In 2001, Carter led the first all-women ski expedition to the North Pole. Her group worked with NASA to conduct the first student-directed web cast from the top of the world. Following her extreme adventure, Carter wrote a book of the account titled, Ordinary Women, an Arctic Experience, which was published in 2005.

Never one to stop learning, Carter took on a new role in 2009 when she became an ordained priest in the Episcopal Church. Carter jokes it’s her part-time job on Sunday, but in no way takes her position to support and care lightly.

“On Nov. 19, 2004 at 6:32 in the evening it was really clear. I was at St. Gregory’s Abbey in Three Rivers Mich. I stayed in the chapel and all of a sudden this rush came that was really telling me it’s time. I had put it off long enough. It was rightly ordered and I never looked back. Everything fit and what a blessing and a gift it has been. It is a privilege to be invited into peoples’ lives, to share with them and walk with them in their faith,” Carter said.

and though she admits there were long nights along the way, she stresses the importance of knowing her limits and finding support from loved ones.

“I think the challenge is you can’t have it all. You don’t need to try to have it all. You just do it. You go to classes on Saturday morning and you balance a book on a cup of coffee and when you need to, you find a way. I would let others know it’s O.K. to not feel like you have to do it all,” Carter said.

“Understand your core. Be self-reflective about your values. Never make decisions alone. Have trusted friends to discuss moves big and small. We are meant to be in community. Jesus was really clear about that; He sent them out two by two.”

Sue Carter was inducted in the Michigan Women's Hall of Fame on Thursday, October 29, 2015 for her influential work in broadcasting, government, law and education.

Learn more about Sue Carter and the Michigan Women's Hall of Fame at michiganwomenshalloffame.org

As a professor, priest, journalist, broadcaster, runner, adventurer, partner, mother, grandmother and friend, it may seem that Carter never sleeps,

(Above) Sue holding her Emmy Award; (Top right) Ordination picture taken at St. Michael’s Episcopal Church in Lansing, July 1, 2009; (Right) Sue interviewing Jesse Owens at Michigan State University for WVIC in 1974.

November 2015

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A NEW DIRECTION FOR A NEW DIRECTION FOR

t i s r y e t i v i s D iver

D

L E A P PA V I N G T H E W AY F O R D I V E R S I T Y I N T H E L A N S I N G R E G I O N

BY MELANIE STROUSE, DIVERSITY APPRENTICE & TEDI PARSONS, DIVERSITY COORDINATOR, LEAP

O

ver the past three years, the Lansing Economic Area Partnership (LEAP) has been hard at work creating and implementing an economic development strategy focused on creating a regional diversity initiative, which will allow Lansing to have a strong presence locally, nationally and globally. From this was born Diversity Lansing. At its core, Diversity Lansing seeks to educate, advocate and inspire; from the individual to the CEO, to create a region that embraces, thrives and is strengthened by its many diverse roots, allowing us to competitively attract top talent and business to the region.

“The rich tapestry of diversity already present, helps the Lansing region demonstrate itself

as a global place to thrive, succeed, prosper and explore for everyone,” said Bob Trezise, president & CEO of LEAP. “Diversity Lansing strives to improve the overall quality of life for all the residents of Clinton, Eaton and Ingham counties and to assist businesses in attracting and retaining world-class talent, the ‘Best of the Best.’”

Diversity Lansing focuses on leveraging strong partnerships and pathways that celebrate and embrace the core values of a diverse, welcoming and affirming region. We are committed to creating diverse and equitable communities

where top decision-makers, creators and innovators live, are valued and thrive. Through our efforts and with strong community support through conversations and programs, businesses will grow, communities will thrive and prosper and tomorrow’s world leaders will be created and come from the Lansing region.

“In 2016, the region will see an increase in diversity programming from Diversity Lansing,” said Tedi Parsons, LEAP’s diversity coordinator and administrator of Diversity Lansing.

“This will include an educational series to begin the conversation at the community level; as well

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as the executive leadership workgroup that is currently underway, to strengthen the work being done within the business community, educational sector and municipalities within the Lansing region.�

One of the greatest challenges facing not only Lansing, but also the state of Michigan as a whole, is the ability to attract and retain top talent, despite an improving economy. “Today’s professionals are searching for what’s beyond their job descriptions when they make decisions about their futures,� said Trezise. “They look for quality, flagships for diversity and cultural offerings. They’re searching for excitement. Through the work being done here at LEAP and Diversity Lansing we strive to bring forward and emphasize what makes Lansing different and unique and a global community that people want to visit and call home.�

“THE RICH TAPESTRY OF DIVERSITY ALREADY PRESENT, HELPS THE LANSING REGION DEMONSTRATE ITSELF AS A GLOBAL PLACE TO THRIVE, SUCCEED, PROSPER AND

Diversity Lansing’s mission begins with encouraging EXPLORE FOR EVERYONE,� and leveraging partnerships that embrace and — BOB TREZISE celebrate the core values of a diverse, welcoming and affirming region. Lansing is unique in that it offers something for everyone, from a Big Ten university to a riverfront with more than 13 miles of paved and usable trails. With a diverse population, a deep appreciation for the arts, a variety of faith communities, multicultural events and world-class schools, Lansing is a great place to call home and raise a family. Lansing can provide businesses a uniquely competitive advantage over other regions of the state and Midwest as the region is home to an unusually diverse and tolerant global community. Together, we have to seize this opportunity. Through these efforts we can attract, retain and inspire the talent, create businesses that embrace the rich cultures that the region encompasses and form a sense of community that is grounded in diversity. Learn more online at diversitylansing.com.

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SIZE MATTERS Take the guesswork out of sizing up the centerpiece for your Thanksgiving celebration.

How Big?

How Long?

There is some conventional wisdom concerning how big of a turkey to buy. A pound of turkey for each adult at the holiday table is adequate. Children will likely eat a half or quarter of that amount. If you want to ensure leftovers, then you can increase the size of the turkey slightly.

Once the size of the turkey is determined, it all comes down to the cooking.

Naturally, the larger the turkey, the longer the cooking time. Instead of leaving cooking to chance, or to the unpredictable pop-up plug included with the turkey, take the time to select a reliable meat thermometer. There are standard and digital models available. Some digital thermometers enable you to insert the prong in the turkey and then stretch a heatproof wire to the digital unit, which remains outside of the oven. This way, you can set a timer or set a cooking temperature. The thermometer will beep when the turkey is done.

Keep in mind it will be necessary to check the size of your oven prior to purchasing the turkey to ensure the bird will fit inside with a roasting pan. Otherwise, you may have to downsize on the turkey and cook more side dishes.

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Approximate Time Table (Unstuffed): 4 to 8 pounds (breast) 1 1/2 to 3 1/4 hours 8 to 12 pounds 2 3/4 to 3 hours 12 to 14 pounds 3 to 3 3/4 hours 14 to 18 pounds 3 3/4 to 4 1/4 hours 18 to 20 pounds 4 1/4 to 4 1/2 hours 20 to 24 pounds 4 1/2 to 5 hours

The USDA recommends poultry be cooked to 165 F. Be sure to check the temperature at the wing and the thickest part of the breast. For optimum safety, it is recommended you cook your stuffing outside the bird in a casserole.

It is safe to cook a turkey from the frozen state. The cooking time will take at least 50 percent longer than recommended for a fully thawed turkey. Remember to remove the giblet packages during the cooking time. Remove carefully with tongs or a fork.

After cooking, let the turkey rest 20 minutes after removing it from the oven; this enables the juices to stay within the meat and keep it moist. The turkey will carve easier.

SAFETY TIP: Discard any turkey, stuffing, and gravy left out at room temperature longer than two hours; one hour if left setting in a hot kitchen, warm oven or temperatures above 90 F .

Thanksgiving dinners take eighteen hours to prepare. They are consumed in twelve minutes. Halftimes take twelve minutes. This is not coincidence.� - Erma Bombeck

Left Overs: Divide leftovers into smaller portions. Refrigerate or freeze in covered, shallow containers for quicker cooling.

Use refrigerated turkey, stuffing, and gravy within 3 to 4 days. If freezing leftovers, use within 2 to 6 months for best quality.

RELAXING MASSAGES FOR THE HOLIDAYS

Enjoy all of our fabulous services offered by Roehm’s Day Spa including massages, body treatments, manicures, pedicures, Brazil waxing and facials.

$5 OFF Any regular priced service except waxing.

(517) 485-9820 Expires: 11/30/2015

Go to our Facebook Page to find out our monthly specials.

2800 E. Grand River Ave., Lansing Charter Township, MI 48912 (517) 485-9820 www.roehmsdayspa.com November 2015

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Hearth and Heart

by Jan McCollum

FIRE.

The element of life; the element of destruction. Its discovery is responsible for the preservation, development and evolution of the human race. It draws us together, keeps us warm, provides us with the tools to create and light to illuminate our creations. Dynamic in form, it mesmerizes, soothes, excites, and stirs us.

No wonder it draws us together and forms the backdrop against which we create memories and share life.

A TRANSFORMATION EXAMPLE

Before

Lynne and Marty are members of the Sandwich Generation.

Engaged on both ends of the spectrum, they are raising teenagers and looking out for aging parents. When Lynne’s parents began contemplating the transition to assisted living, Lynne and Marty found themselves deep in dialogue about their future. Lynne’s parents home had always served as the official family gathering place. Nestled in a lush forest of trees and perched high on a rise above the river, the house embodied the family roots and culture. When Lynne’s parents announced it was time to sell, the grandchildren joined the dialogue. Clearly emotionally connected to their grandparent’s home, the kids encouraged their parents to consider the idea of purchasing it. The dialogue continued, and soon Lynne and Marty became

the new owners of the family home and facilitators of the next generation of memories. They hired an architect, a builder and a local design firm (which shall remain nameless) to help them redesign the home to meet the needs of daily family life.

During the next year, the three-bedroom two and a half-bath ranch became a six-bedroom two-story home with a master suite addition. The original 1960s kitchen was transformed into a warm, inviting family gathering place, well appointed with storage, modern appliances and plenty of counter space to accommodate food prep and dining for the largest of family gatherings. The

What’s in Santa’s Bag ...

Secret Santa Savings With every purchase at Retail Therapy from November 27 — December 24, you can snag a deal from Santa’s bag and receive up to 30% off your receipt (including sale merchandise). Whether you’re naughty or nice, Santa didn’t forget you this holiday season, so be sure to come in and cash in on Santa’s secret savings at Retail Therapy.

5100 Marsh Rd, Suite B-1, Okemos, MI (517) 574-4427 Hours: M-F 10 - 6 p.m., Sat 10 - 4 p.m. iloveretailtherapy.com 26

Capital Area Women’s LifeStyle

November 2015

After of design attention. Lynne’s request involved a redesign, transforming the fireplace into the primary focal point of the room. During the year of the renovation, Lynne lost her mother to Alzheimer’s and her sister to breast cancer. The new fireplace would be a memorial of their vibrancy, courage, and honor their lives. Knowing what she wanted, but not how it could be accomplished, Lynne shared her vision to incorporate a fountain into the design.

kitchen has become the modern-day hearth of the home. This one would be a place of nourishment, comfort, communication and a place to come together and download the experiences of the day.

A large pass through brick fireplace separated the kitchen from the main living space in the new family digs. It stood like a stone monument, commemorating the family history deep within it’s dated facade.

A sentimental eyesore, it became the focus

Creating a design is one thing, but building it is often quite another! With the help of a local metal artisan, oversight of a good builder, expert tile installers, and engineering the mechanics step by step throughout the construction process, Lynne’s vision came into being. The existing brick surface of the fireplace and hearth was furred out and faced with 12” x 12” slate in variegated tones of rusts, blues, and golds. The fountain emerges as the focal point, strategically positioned above the firebox. Water cascades down the pebble-faced marine plywood backboard, replicating the sound of a gentle rain.

The juxtaposition of fire and water echo the paradox of simultaneous constructive and destructive cycles of life and are a reminder to embrace what is most important: the relationships with those we love.

We still love to gather under the stars around an open flame as our earliest ancestors did. I wonder what they thought when they experienced fire for the first time. I’m sure their expressions revealed wonder and amazement as they stared into the flames, much like the expressions that catch our gaze as we gather around the hearth today.

YOUR TRANSFORMATION So, you’re thinking that your fireplace is a little dated and ordinary? Not quite the cozy hearth you had imagined? Refacing the existing structure can transform both the fireplace and your room.

When planning your design, integration is key.

• Consider the effect you wish to create but respect the architecture of the space. A historical home calls for the use of materials synchronous with the period.

• Use natural stone or porcelain to create a clean, sleek appearance. A large rectangular format will lengthen the sight line, increasing the visual dimension of the facade. This effect complements transitional and contemporary architecture.

• Consider millwork for traditional homes.

Create interest with flat or raised panels and layered moldings. Remember to use non-flammable materials creating at least a twelve-inch perimeter around the fire box.

• Bring a fireplace that is too small for the room into scale by addressing the prominence and height of the mantel. Expand the width of the facade using materials that have visual weight and texture.

• Does your fireplace consume the room?

Balance the scale with the addition of a contrasting material. Cover a portion of the surface area with drywall, wood paneling, or flank with built-in cabinetry.

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6 to 350 People, we can Plan & Host your Holiday Event!

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November 2015

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events

NOVEMBER 5 — Open House & Ladies Night, Lansing. Visit Image Day Spa for their Open House celebration and Ladies Night event. Enjoy food and wine, local vendors, local artists, psychic readings, networking and more. This fun-filled evening will be held at Image Day Spa, located at 1020 E. Saginaw St. from 5 to 8 p.m. For more information, call (517) 484-5062 or visit imagedayspa1.com NOVEMBER 15 — Fashion, Flasks & Fun, Okemos. Join Kellie’s Consignments for Fashion, Flasks & Fun. Your man will be at hunting camp, so why not come to shopping camp and get a start on your holiday shopping? Participants will receive a flask, punch (spiked or not), snacks, sales, contests and a chance to win some prizes.

You can decorate your flask, pick one with bling, or one that says Ladies Night. The cost to attend is $15/person. Visit Kellie’s Consignments, located at 4800 Okemos Road, from noon to 5 p.m. for this fun event. For more information, call (517) 574-4523 or visit kelliesconsignments.com.

NOVEMBER 21 — Alternative Holiday Sale, East Lansing. Visit the Alternative Holiday Sale

NOVEMBER [EVENTS, ARTS] and find a wide selection of unique handmade and fair trade items. This show defies the mainstream holiday shopping blitz. Enjoy shopping, raffles and lunch options. The Alternative Holiday Sale will be held at the Unitarian Universalist Church, located at 855 Grove St., from 10 a.m. to 5 p.m.

NOVEMBER 26 — Lansing Turkey Trot, Lansing. Start your Thanksgiving Day off with a little bit of exercise at the Lansing Turkey Trot. This 5K Run/Walk will begin at 9 a.m. in Lansing at 500 N. Grand Ave. The cost to enter is $20/person before Nov. 20 and $25/person after Nov. 20. Entry fee includes a long-sleeved t-shirt. For more information, email chuck@ runningfoundation.com or visit runmichigan.com.

}

TRICOUNTYEVENTS

NOVEMBER 27 — Black Friday Sale, Okemos.

Visit Kellie’s Consignments for their Black Friday Sale from 8 a.m. to 8 p.m. Enjoy complimentary coffee, hot chocolate, donuts and sales. Kellie’s Consignments is located at 4800 Okemos Road.

For more information, call (517) 574-4523 or visit kelliesconsignments.com.

DECEMBER 3 –– Remedi Holiday Open House, East Lansing. Join Remedi Spa & Wellness for their Holiday Open House. Enjoy giveaways, fabulous food, drinks and prizes. The event will be held at Remedi Spa, located at 4750 Hagadorn Road, East Lansing, from 6 to 9 p.m. Visit remedispaandwellness.com for more information.

DECEMBER 4 — 44th Annual Night Lights Christmas Parade, Grand Ledge. Visit downtown Grand Ledge for their Night Lights Christmas Parade. Enjoy lights, music, Mr. and Mrs. Claus and a free showing of Shrek The Halls. The parade will begin at 7 p.m. For more information, call (517) 627-2383.

DECEMBER 5 — 13th Annual Christmas Bazaar, Eaton Rapids. Join vendors at the First Congregational Church, located at 300 S. Main St., and next door at Red Ribbon Hall from 9 a.m. to 3 p.m. for their 13th Annual Christmas Bazaar.

Lunch will be available from 10:30 a.m. to 1:30 p.m. This sale is in conjunction with the Eaton Rapids Hometown Christmas festivities. For more information, call (517) 331-3819.

DECEMBER 5 & 6 — 41st Annual Holiday Traditions Tour, Grand Ledge. Visit Grand Ledge for the 41st annual Holiday Traditions Tour: Homes & Historic Buildings, Tables & Trees. Enjoy beautifully decorated homes, Watson Country School, The Museum, The Opera House and First Congregational United Church of Christ.

Tickets are $8/person in advance or $10/person at the door. Children ages 12 and under are $3. Don’t forget to visit Santa at the Gazebo in the Opera House garden on Saturday from 1 to 2 p.m. Tour

LIKE US ON FACEBOOK!

(517) 267-1860

VET’S TOO unique gift boutique

We provide gentle dental care with state-of-the-art technology in a friendly atmosphere!

1738 Hamilton Rd. Okemos, MI 48864

(517) 349-3266 Dr. Gianh Portnoy Dr. Bachtrac Tu

Early morning and evening appointments Same day emergency • New patients welcome Most insurances accepted

$30 FREE

Wellness therapy

With any $100 gift card purchase.

infrared sauna, flotation therapy, sunlight therapy, dry salt therapy, hydramassage bed, vibrational therapy, phototherapy for acne/anti-aging

Stop in or buy online at remedispaandwellness.com.

LOCATED in the Hannah Plaza 517-222-0339 28

Capital Area Women’s LifeStyle

November 2015

• Preventative cleanings • Oral cancer screening • Limited periodontal gum therapy • Tooth-colored and silver fillings • Cosmetic dental services www.okemosdentists.com

• Crowns/bridges • Oral surgery • Dentures/partials • Dental implant reconstruction • Root canal treatment

• appointments@okemosdentists.com

What’s new at Vet’s Too Unique Jewelry, handbags, trendy clothing, gourmet foods, indoor and outdoor home decor and more. Your one stop specialty shop for everything a girl wants.

2416 N. EAST ST. (US-27) | LANSING, MI 48906 Personal shopping service available - ask for Bonnie Vet’s Too is located next to Vet’s Ace Hardware

NOVEMBER [ARTS, EXHIBITS, CLINICS]

arts

NOVEMBER 13-15 & 17-22 — Stage Door, East Lansing. Meet the residents of the Footlights Club, a boarding house for actresses in New York City. Watch these women laugh and cry through the Depression-Era. This production will be held at the Wharton Center, located on the campus of MSU. Show times and pricing vary. For more information, call (517) 353-1982 or visit whartoncenter.com.

NOVEMBER 27-29 & DECEMBER 4-6 — A Christmas Carol, Lansing. Enjoy a Christmas favorite: A Christmas Carol, this season. This holiday classic is sure to get the entire family into the Christmas spirit. Visit the Riverwalk Theatre, located at 228 Museum Dr., to experience this production. For more information, including show times and pricing, call (517) 482-5700 or visit riverwalktheatre.com.

exhibits 10% off

every day for veterans and active military members.

Okemos

1870 West Grand River (517) 574-5014

Eastside Neighborhood 1629 East Michigan Ave. (517) 483-2368

mertsmeats.com

NOVEMBER 10 — 8th Annual Making it in Michigan Food Trade Show, Lansing. Visit Michigan’s premier specialty food show for the 8th annual Making it in Michigan Food Trade Show. There will be over 150 Michigan vendors all under one roof ready to do business with you.

The food trade show will be held at the Lansing Center, located at 333 E. Michigan Ave., from 11:30 a.m. to 4 p.m. Admission is free. For more information, visit makingitinmichigan.msu.edu.

}

hours are Saturday from 11 a.m. to 5 p.m. and Sunday from 1 to 5 p.m. For more information, call (517) 627-7247.

NOVEMBER 12-14 — Mason Christmas Craft Sale, Mason area. Grab some friends and attend the 41st Annual Mason Christmas Craft Sale.

Enjoy many vendors throughout the Mason area in their homes. The sale will take place on Thursday and Friday from 9 a.m. to 8 p.m. and Saturday from 9 a.m. to 5 p.m. Maps will be available on Oct. 1. For more information, call (517) 676-2722 or (517) 676-6032.

TRICOUNTYEVENTS NOVEMBER 20 — Silver Bells in the City, Lansing. Celebrate the season at the 31st Annual Silver Bells in the City.

This family-fun event includes an electric light parade, a community sing, lighting of the State Christmas Tree, fireworks over the Capitol dome (weather permitting), a concert and the Silver Bells Village.

Start your holiday shopping or purchase some yummy treats as local vendors throughout the state show off their wares.

Don’t miss this fun event, beginning at 5 p.m. For more detailed information, visit silverbellsinthecity.org.

clinics

NOVEMBER 5 & 19 — Scripts Class, East Lansing. Join the Friends of MSU Theatre for a Scripts Class focusing on the upcoming production Stage Door. Classes will be held from 3 to 5 p.m. at the Hannah Community Center as part of Hannah’s Prime Time series. The cost to attend is $35/Prime Time members and $40/general public.

Cost includes a copy of the script and a ticket to the production. To register, call (517) 337-1113.

SPEND $30 GET $5 OFF KELLIE’S CONSIGNMENTS 4800 Okemos Rd Okemos, MI 48864 517.574.4523 www.kelliesconsignments.com With coupon only. Not valid with any other offers or discounts. Excluding tax. Does not include gift certificates. One coupon per person, per day.

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TRICOUNTYEVENTS

NOVEMBER [CLINICS, FUNDRAISERS]

NOVEMBER 6 — Health Challenges in the Workplace, Lansing. Join ATHENA Win for an informative panel on health concerns and challenges in the workplace. Topics covered will include how workplace setup can affect your health, maternity leave, menopause and more. This panel will be held at Lansing Community College in the Gannon Building from 11:30 a.m. to 1:30 p.m. The cost to attend is $5/members and $25/non-members. For more information, including registration details, email winmichigan@gmail.com.

DECEMBER 2 — Living with Lupus, Lansing.

Join Beals Institute and Dr. Patricia Cagnoli for a lecture on Living with Lupus. This informative lecture will be held at Beals Institute, located at 4333 W. St. Joe Highway, beginning at 6:30 p.m.

Please call (517) 321-1525 to reserve a space.

NOVEMBER 19 — Libido and Menopause: A woman-to-woman talk with Dr. Molly Guerin, East Lansing. Join Alliance Obstetrics and Gynecology for Libido and Menopause: A woman-to-woman talk with Dr. Molly Guerin.

Learn what’s new in medicine to help smooth out the bumps of the menopause transition. What role does our culture, psychological well-being and physical health play in the changes that are happening? Is it safe to take hormones? If so, how long can you take them? Learn the answers to these questions and more at this informative session.

This class will be held at Alliance Obstetrics and Gynecology, located at 1560 Turf Lane, from 6 to 7 p.m. The cost to attend is $10/person. For more information and to register, call (517) 853-2330 or visit alliance-obgyn.com.

fundraisers

NOVEMBER 20 THROUGH DECEMBER 27 — Wonderland of Lights, Lansing. Visit Potter Park Zoo to experience the Wonderland of Lights.

Enjoy thousands of lights and holiday displays throughout the zoo. There will also be cookies, crafts and animal encounters for the kids to enjoy.

The Wonderland of Lights will be held Thursdays through Sundays from 5 to 8 p.m. Admission is $6/adults, $4/kids ages three through 12 and free for kids under three. Proceeds will help benefit Potter Park Zoo. For more information, visit potterparkzoo.org.

DECEMBER 2 — Winter Wine & Stein, Lansing. Celebrate the winter season with your friends at Potter Park Zoo for Winter Wine & Stein. Enjoy tastings of beer and wine and sample hors d’oeuvres from local restaurants as you listen to holiday music and stroll through the zoo to experience the holiday lights and the animals. The cost to attend is $30/member and $35/nonmember. You must be 21 or over to attend.

Proceeds will benefit Potter Park Zoo. Visit Winter Wine & Stein from 5 to 8 p.m. For more information, visit potterparkzoo.org.

DECEMBER 5 — Old Town Scrooge Scramble, Old Town. Join the Old Town Commercial Association for their 9th annual Scrooge Scramble 5K Run/Walk on the Lansing River Trail. The cost to enter is $20/OTCA members

by November 28, $25/non-members by Nov. 28, and $30/person Nov. 28 through Dec. 5. Race time is 10 a.m. Proceeds will benefit the Old Town Commercial Association.

Comprehensive pain management Dr. Judy Lee, M.D., Ph.D. Take conTrol of your pain! nerve BloCk therapy non surgiCal spinal deCompression

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Capital Area Women’s LifeStyle

Comprehensive Pain Management 2169 Jolly Road, Unit 2 Okemos, MI 48864 November 2015

517.347.8228

2169 Jolly Road, Unit 2 Okemos, MI 48864

Turkey Noodl e SOUP FROM THE KITCHEN OF CATHY BLATNIK

INGREDIENTS • 2 cups cooked and chopped turkey • 1 cup chopped carrots • 1 cup chopped celery • 1 cup chopped onion • ½ teaspoon salt bowl (the colander will catch all of the bones). Pull remaining meat off bones and set aside; throw away the bones. Pour the liquid back into the stockpot and add all the ingredients except the noodles. Cover and simmer until all of the vegetables are tender (about 30-40 minutes). Cook noodles as directed on package, drain and set aside. Add desired amount of noodles to bottom of serving bowl and then add the soup.

• ½ teaspoon black pepper • ½ teaspoon marjoram • 8 cups water • 6 ounces egg noodles (uncooked)

DIRECTIONS Break turkey bones into small pieces. Place them in a large stockpot. Add enough water to cover the turkey bones and bring to a boil, then turn down the heat to simmer. Cover with lid and cook for about 30 minutes. Remove from heat, let cool slightly and strain liquid through colander into a large

Cathy is originally from Maryland, but has been living in the Midwest for more than 13 years. She has been "retired" from the paid workforce since 1996 to raise her family, which includes her husband, adult stepson, an adult daughter in college and a son in middle school. She has been baking and cooking for as long as she can remember in "Cathy's Kitchen." She is very excited to be able to share her recipes with other home cooks!

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cleaning of 2 hours or more

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New customers and participating locations only.

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MYCOMMUNITY PHOTOS BY MIKE FRANCE

EMPTY

Bowls

On Friday Oct. 2, the Greater Lansing Food Bank hosted the 25th annual Empty Bowls fundraiser at Troppo in downtown Lansing. The event raised nearly $13,000 to fight hunger in the mid-Michigan area.

Leslie Brogan and Joe Wald

Skylar Hunt, Alyssa Clark and Sandi Davidson

Tina Oxer, Marty Sturgeon and Diana Algra

Sylvia Brown Jones, Tricia Headley, Alan Haddow and Brenda Kowalczyk

Jen Morris and Lynn Henley

Rob McBride, Lori Orrin and Ben Colestock

Luiz Costa, Sbusiso Dhjadhla and Solange Costa

Julian Liang and Neo Liang

Kalynne McIntyre

PHOTOS BY MIKE FRANCE

David Solorio and Harry Drake

Impression5

Maker Week To help kick off the 2nd annual Maker Week, Impression 5 hosted tours of the museum and a sneak peak of their newest “Throwing Things” exhibit on Monday, Oct. 5.

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MYCOMMUNITY PHOTOS BY ERIKA HODGES

Oktober Fest Beer lovers from near and far gathered in Old Town on Oct. 9 and 10 to celebrate the 10th annual Old Town Oktoberfest.

Money raised through ticket sales and sponsorships at the event went toward the revitalization efforts in Old Town.

Zach Juohartz, Elaine Chu, Brad Larose and Chelsea Schwartz

Ron and Marion Bushey

Angela Guarnaccia, Marquita Sanders and Andrew Wesoloski

Tom Rich, Matt Wood and Latharn Higgin

Chad Niewswand and Nicole Gomez

IN HOME SERVICES: Seniors Helping Seniors® in-home services is an exceptional program of caring and care where seniors who want to help are matched with seniors who are looking for help.

• • • •

Cooking Companionship Shopping Transportation

• • • •

Yard work Mobility assistance Doctor appointments And More!

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“The clear difference is that you care very deeply about your work and the people you are caring for.”

w w w. S e n i o r s H e l p i n g S e n i o r s. c o m

In-Home Service for SENIORS by SENIORS

Seniors Helping Seniors® - We change people’s lives™

November 2015

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MYCOMMUNITY

Todd Martin

PHOTOS BY ERIKA HODGES

Youth Leadership Todd Martin Youth Leadership hosted a “Got Game?” Championship Dinner for supporters of the nonprofit. The event started with a reception and silent auction, followed by dinner and a live auction.

Proceeds from the event go toward funding TMYL programs for youth.

Kristen and Michael Miller

Josh and Emily Hakes

Board of directors

Raquel Mendez and Kayla Michael

Diana Tarpoff and Christine Hollister

Samantha Amburgey, Kirk Riley and Michelle Massey

Arlene Sierra and Risè Knight

Angela Michael

PHOTOS PROVIDED

Diane and Jim Barrett

Giving Society EVENT

ITEC hosted the inaugural 2020 Girls Giving Society Kick-Off event. Guests were greeted at the door by 2020 Girls participants and heard presentations from students and supporters of the program.

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November 2015

PHOTOS BY ERIKA HODGES

MYCOMMUNITY

Amanda Richardson, Billy Richardson, Jonathan Doyle, and Holli Doyle

Dominic Knapp, Sylvia Vince and Suzanne Knapp

POTTER ZOO

Park

On Oct. 3, Lansing and Ingham County residents received free admission into Potter Park Zoo to view the more than 600 animals and 160 species on display.

Sandy and Cory Kimball

Irene Russell, Noah, Adam, Evie and Emma Leiby

Image Day Spa

Thanks to everyone that attended our Open House!

!

MULTIPLE IMAGE ENHANCING BUSINESSES ALL UNDER ONE ROOF WORKING TOGETHER TO REJUVENATE YOUR MIND, BODY AND SOUL CONNECTION

1020 East Saginaw Street, Lansing, MI www.imagedayspa1.com

15% off Products & 20% off Services

Image Day Spa (517) 484-1014

This month, we are extending our open house prices especially for Women’s Lifestyle Magazine Readers:

H a i r

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Not just a salon, a solution.

November 2015

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PROFESSIONAL GUIDE W. JOSEPH IRISH, CPA/PFS WEALTH ADVISOR/RETIREMENT PLAN ADVISOR SIENA WEALTH ADVISORS Joe Irish is a fee-only fiduciary investment advisor serving individuals and medium to large-sized businesses. He is a Certified Public Accountant (CPA) and holds a Personal Financial Specialist (PFS) designation from the American Institute of Certified Public Accountants (AICPA). Prior to joining Siena, Joe spent 15 years as a Chief Financial Officer and 9 years at a successful logistics firm.

(517) 627-1412 joe@sienainvestor.com

BELINDA CARTER DIRECTOR OF ENVIRONMENTAL SERVICES, THE WILLOWS Belinda Carter is the Director of Environmental Services for the Willows at East Lansing. She has been with us since we opened our doors in East Lansing. Her responsibilities include: Organizing, evaluating and directing the Housekeeping department.

(517) 203-4042 Belinda.carter@willowsateastlansing.com

SAMANTHA AMBURGEY CHIEF INFORMATION OFFICER (CIO) As CIO, Amburgey is responsible for moving MSUFCU forward in regards to advancing and executing the Credit Union’s key strategic initiatives through technology. She oversees the Credit Union’s member and employee-facing programming development, network systems infrastructure and information security teams and strategies. MSUFCU has an asset size of over $2.9 billion, 205,000 members worldwide and more than 640 employees.

(517) 333-2424

RENEE STEVENS, D.O. One of the newest members of the Alliance team, Dr. Stevens completed her Doctor of Osteopathy from Michigan State University in 2011. She enjoys spending time with her patients in the office and strongly believes in minimally invasive surgery. Dr. Stevens is looking forward to getting to know her patients and what is important to them.

She is currently accepting appointments.

(517) 484-3000 Alliance, 1560 Turf Lane, East Lansing, MI 48823 36

Capital Area Women’s LifeStyle

November 2015

TAMMY COOK Tammy Cook, General Manager at Kellie’s Consignments. I love to fill my life with love and laughter and exude that positive energy while talking with customers and consignors, and staff. I have my own kind of sassy and fun in life.

(517) 574-4523 Tammycook.kelliesconsignments@yahoo.com

COURTNEY MILLBROOK Courtney Millbrook is the Executive Director of the Lansing Symphony Orchestra, supervising all aspects of the arts nonprofit organization. It is her responsibility to uphold the vision and mission of one of Lansing’s oldest cultural institutions which was founded over 85 years ago. Millbrook’s leadership, commitment and passion for the Lansing Symphony is evident as the organization enters a new stage of growth in the Greater Lansing area.

Email: Courtney@LansingSymphony.org Phone: (517) 487.5001 ext. 12

Tiffany Friar, MBA, MSN, R.N. Director of Population Health Services Hayes Green Beach Memorial Hospital Tiffany oversees HGB’s diabetes program, including education classes, support group and individual disease management, as well as case management and social work. Additionally Tiffany plays a critical role in developing the hospital’s population health services to enhance outcomes for patients through integrated care — helping connect patient needs with care at HGB, other health care facilities, primary care physicians and community resources to help them maintain and improve health. Find more information at hgbhealth.com or contact Tiffany at (517) 541-1050, ext. 1208.

SANDY KRUMM Sandy Krumm is a hair addition specialist celebrating 16 years of exceptional customer service. She has also completed additional training to assist cancer patients with full cranial prosthetic fittings, and is qualified to work with men seeking hair restoration options from beginning thinning to total body hair loss.

Image Day Spa | (517) 484-5062 | info@anotherlookonline.com

Tiffany Directo Service Hayes G Hospita

ENTREPRENEURS UNITE GREATER LANSING BUSINESS MONTHLY PRESENTS THE 2016 ENTREPRENEURIAL AWARDS

Thursday, March 3, 2016 | Eagle Eye Golf Club | 15500 Chandler Road, Bath Twp

1

% cash back

Earn money while you shop this holiday season with MSUFCU’s Platinum Plus Visa and receive unlimited 1% cash back on all purchases.¹

Why choose a Platinum Plus Visa?

Rates Around 1 Lowest Platinum Plus Visa’s lowest rate is nearly 4% lower than the national average for a rewards card.²

2 0 Balance Transfers for Six (6) Months %

APR

Once your introductory rate expires, rate reverts to your standard rate, between 12.9% APR and 17.9% APR.³

Back Never Expires 3 Cash Redeem your cash back at any time, for any amount.

Your Cash Back Immediately 4 Receive Your cash back is instantly deposited to your account.

Apply today! www.msufcu.org • 517-333-2222

¹ Members will earn 1% cash back on all purchases. Cash back is not earned on tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or fees of any kind. Account must be in good standing to redeem cash back. Returns result in the loss of cash back equal to the amount returned. Negative cash back will be given if returns or credits exceed purchases. Visit www.msufcu.org/rewards for full terms and conditions. ² APR is Annual Percentage Rate. 12.9% APR is lowest rate offered for Platinum Plus Visa Credit Card. Rate offered is based on member’s credit score. ³ Annual Percentage Rate (APR) of 0% is valid for the first six (6) months from the date the Visa Credit Card account is opened and applies only to balance transfers from another financial institution’s credit card.

After six (6) months, rate will revert to your standard rate, between 12.9% and 17.9%. Accounts 60 days late revert to the penalty rate of 17.9%. Introductory APR does not apply to purchases, cash advances, or delinquent loans. Federally insured by NCUA.