CAWLM September 2015

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SEPTEMBER 2015

Millennial Invasion The Newest Generation of Workers Changes the Workplace

Get Up and Get Active

Conquest Health and Fitness Foundation Encourages Healthy Lifestyles

Workplace Fashion

Add Some Business Attire to Your Wardrobe

Deb Muchmore BETTER, BRIGHTER BUSINESS

2015 TRAX

THE ALL-NEW 2015 TRAX • Seating for five paSSengerS • 48.4 cu. ft. of cargo Space1 • 60/40 Split - and flat-folding rear Seat with 8 configurationS • fold-flat front paSSenger Seat allowS you to fit cargo up to 8 ft. long • 15 Standard Storage compartmentS, more than any competitor • available hidden Storage area under front paSSenger Seat

1.800.678.9561

632 American Rd. • Lansing, MI www.shaheenchevrolet.com 1 Cargo and load capacity limited by weight and distribution.

TRILOGY

September 2015

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SEPTEMBER2015

FEATURES 22 Improve Your Mental Sharpness 24 An Ireland Adventure 26 10 Things to do in September 28 Your Eco Purse-onality

RECIPES 20 A Fresh Way to Fiesta 23 Spicy Kale Chips 33 Apple & Sour Cream Coffeecake

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OUR COVER 7

Get Up and Get Active

10 Workplace Fashion 14 Deb Muchmore, Better, Brighter Business 16 Millennial Invasion

She Means Business IN THIS ISSUE 4

From the Publisher

10 Fashion

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Good News

12 Financial Facts

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Business Profile

16 Business Coach

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Nonprofit Profile

18 Healthy LifeStyle

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DIY Quick Crafts

30 Tri County Events

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Movie Review

34 My Community

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On Our Cover: Deb Muchmore. 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 IX • VOLUME VIII

Publisher

TIFFANY DOWLING Sales Manager

BREAST CARE CENTER

JENNIFER HODGES Account Managers

MEGAN FLEMING MANNY GARCIA Media Specialist

JILL BAILEY Production Director

KELLY MAZURKIEWICZ Art Director

Our comprehensive approach to breast health includes a full range of services:

BROOKE ERWIN Brand Manager

• Comfortable,

private, pampering environment

AMI ICEMAN

• Nurse

Navigator, providing one-on-one personalized care

• Breast

cancer risk assessment

• Breast

conserving surgery and needle localization biopsy

• Breast

MRI

KYLE DOWLING SKYLAR KOHAGEN

• Breast

reduction and/or reconstruction surgery

Event Calendar Manager

• Breast

ultrasound

Creative Manager

MARK WARNER Editor

ALICIA PILMORE Graphic Artists

MIKE FRANCE KELSEY SORENSON Web Managers

JAIME HARDESTY Contributors

SUSAN COMBS DEIDRE DAVIS DELLA HUGHES-CARTER SYDNEY FORD KRISTINE RICHMOND

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

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

• Lumpectomy • Screening • Sentinel

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Find more information at www.hgbhealth.com or call 517.541.5805 September 2015

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FROMTHEPUBLISHER

WOMEN MEAN BUSINESS

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hen something is fantastic and amazing and incredible, you want to shout it from the rooftops.

Personally, I’m afraid of heights so my platform of choice is right here in these pages. I get asked about my job and I tell everyone that my favorite thing to do is highlight each successful woman in our community — her definition of success, not societies or mine.

of their own destinies and building something that is all their own.

Although this lady isn’t beginning a startup, she is taking control of her own destiny and building something bigger on a foundation of success.

It is with great personal pleasure that we get to showcase the amazing Deb Muchmore in our “She Means Business” issue. If I had to pinpoint one person who should be a symbol of hard work, business brilliance and sassy political savviness, it would be this beautiful lady.

Women have always been leaders. Back in the day, women would manage their families with grit and grace. Today, they bring dynamic abilities and communication skills that allow women to lead teams of people to excellence. Some women have a harder time than others tooting their own horns or basking in the glow of success. But, thankfully, we’re seeing more and more brave, tenacious women strike out to make a difference for themselves and possibly the world.

Personally, I’m proud of her. She had an amazing track record of success in her career and could have continued down that path working on great projects and producing results any professional would seek. Fiercely loyal and capable, she made the extremely difficult decision to begin a new chapter and fulfill the need she might have developed over time. Her example shows us how we need to be true to ourselves and can make a change in our lives at any time.

In the American Express report on the Business of Women in 2014, it is estimated that there are nearly 9.1 million women-owned businesses in the United States, generating over $1.4 trillion in revenues and employing nearly 7.9 million people.

The report also said that during the 17-year period from 1997 to 2014, there were an average of 591 new women-owned businesses started each day.

In the years leading up to the recent recession, the net daily number of new women-owned businesses rose to 714, but in the years since — from 2007 to 2014 — that daily number is a lower 506 new women-owned firms.

Of course, working can be stressful and we all need to take a minute to recharge. I highly recommend hanging out with some friends on the golf course during the next CAWLM Lady Classic golf outing on Sept. 17 at Timber Ridge sponsored by Independent Bank. Thanks Denise Wheaton for coming back every year! This event is very fun. We have a great Celebrity Caddy auction for charity. Just like last year, we are supporting C.A.R.E. (Capital Area Response Effort), a domestic violence network that supports women and children. And, this event would not be possible without the support of other sponsors including: MSUFCU, Shaheen Chevrolet, Independent Bank and Kellie's Consignments.

Please join us!

Start-up activity is on the rise, however. The net daily rate of new women-owned firms was 602 in 2011 to 2012, 744 in 2012 to 2013 and in 2014, it is up to an all-time high: an estimated 1,288 new women-owned firms have started each day over the past year. I love that women are taking control

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This summer my husband and I took an amazing journey to Ireland. It was a trip of a lifetime and absolutely ticked off one of my bucket list items.

It was a special adventure where my husband was able to trace his heritage to a small town just outside of Dublin. I have a short article and many photos in this issue. I am thrilled to share it with you.

Have an amazing end to summer. Stay cool and be safe!

Tiffany Dowling | Publisher

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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!

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MICHIGAN WOMEN’S HISTORICAL CENTER ANNOUNCES 2015 HALL OF FAME HONOREES

online at michiganwomenshalloffame.org.

Reservations are $150 per person and include a one-year membership or $135 for members and can be made on our website or by calling (517) 484-1880 x203.

The 2015 historical honorees are: •

Janet C. Cooper (1931-2002) of Detroit

•

Mabel White Holmes (1890-1977) of Chelsea

•

Maggie Walz (1861-1927) of Calumet

•

Myra Wolfgang (1914-1976) of Detroit

The 2015 contemporary honorees are:

Ten outstanding women were chosen from more than 100 nominations to be inducted into the 32nd class of the Michigan Women’s Hall of Fame. The induction will take place at the Michigan Women’s Hall of Fame Awards Dinner & Induction Ceremony on Thursday October 29, 2015 at the Kellogg Hotel and Conference Center (55 S Harrison Rd, East Lansing). The ceremony begins with a reception at 5 p.m., dinner at 6 p.m. and the awards presentation at 7 p.m. Sponsorship and advertising information is available LOCAL FITNESS STUDIO EXPANDS, ADDS TWO NEW TRAINERS TO TEAM

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Dean Jocelyn Benson of Detroit

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Rep. Maxine Berman of West Bloomfield

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Sue Carter of East Lansing

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The Honorable Candice S. Miller of Harrison Township

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Esther K. Shapiro of Detroit

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Linda M. Woods, MSW, of Traverse City

THE LANSING REGIONAL CHAMBER WELCOMES NEW BUSINESS DEVELOPMENT MANAGER AND EXECUTIVE ASSISTANT

FLEXcity Fitness, a locally owned fitness studio, has grown 25 percent in attendance in just the last year. With the growth, the studio has expanded the Lansing team with the addition of two trainers, Denae Matthews and Ashley O’Connell.

The Lansing Regional Chamber of Commerce (LRCC) announces the hiring of new business development manager, Christine Zarkovich, and executive assistant, Mandy Emmert.

Matthews is an Arizona transplant who previously served as a director at an Arizona YMCA and worked for Character Quest, a leadership development company. She received her bachelor’s degree in health science, health policy and Matthews hospital administration and master’s degree in healthcare innovation from Arizona State University.

Zarkovich has a variety of experience in marketing, advertising, promotions and management.

As Account Executive for Adams Outdoor Advertising, Zarkovich obtained clients through strategic networking and promotions and helped those clients gain exposure throughout Michigan.

Zarkovich has a B.A. in business management from Northwood University. Zarkovich will work directly with Michelle Rahl, director of business development, to retain current members and enhance new member development for the LRCC.

O’Connell previously worked for Mid American Pompon as a staff sister and is currently pursuing a degree in human development and family studies from Michigan State University. She expects to graduate in the spring of 2016.

Emmert has a background in customer service and organizational management. For many years, Emmert has worked to provide outstanding experiences for customers and clients as their first point of contact. As Office Assistant for Dr. Paul Ward, D.D.S., Emmert gained a specialization in schedule maintenance and record management.

Emmert will assist the leadership team with support and be the main contact for visitors and LRCC initial inquiries at the front desk.

O'Connel

For more information, flexcityfitness.com.

visit

The Philip A. Hart Award will also be presented at this event. This award is given annually by the Michigan Women’s Studies Association Board of Directors to a man who has demonstrated a unique understanding and support of women’s issues and concerns and has contributed to the advancement of women’s rights and interests.

This year the award will be presented to Judge David Newblatt.

GILDEN WOODS EARLY CARE AND PRESCHOOL EXPANDS IN THE LANSING AREA. Gilden Woods will open in Okemos, Mich. in November 2015 to meet growing demand in the greater Lansing area.

The new school, located at 2190 Association Dr. in Okemos will employ a total of 30 to 40 teachers and caregivers and two directors, allowing for the enrollment of up to 168 children. Once open, the school will provide infant and toddler care, fulland half-day preschool, Young 5’s and beforeand after-school care for children ages 6 weeks to 12 years from 6:00 a.m. — 6:00 p.m., Monday through Friday. Fun, educational spring break, winter holiday, and summer day camps will also be offered for school aged children. Transportation will be provided to and from several local elementary schools and secure AppleCam internet access will be available so enrolled parents can “visit” their child anytime during the day from their computer or mobile device.

Gilden Woods looks forward to becoming part of the Okemos community. All residents and visitors are welcome and encouraged to schedule a tour at our current Haslett school during preenrollment. For more information visit our website at gildenwoods.com or call Tracy Davies, Regional Manager, at (517) 295-3641.

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BUSINESSPROFILE

BY KYLE DOWLING | PHOTOS BY MIKE FRANCE

KUNTZSCH SOLUTIONS 300 N. BRIDGE ST., GRAND LEDGE (517)925-8649

KUNTZSCH SOLUTIONS

Rachel Kuntzsch, owner of Kuntzsch Solutions

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cross the river in downtown Grand Ledge, you can find the strategic consulting firm Kuntzsch Solutions. Since it’s founding in 2004, Rachel Kuntzsch and her team has been helping companies plan, fund and implement projects.

Kuntzsch founded Kuntzsch Solutions while doing contract work for nonprofits. Over time it grew, and as her workload increased, so did the size of her staff. Kuntzsch Solutions takes an organic approach to business models, with the knowledge that there is no one solution that fits everyone. The company conducts and analyzes research to give clients the information they need to make the best decisions for their business.

“We work with Michigan companies to have them work together for mutual benefit,” said Kuntzsch.

One of the main objectives of Kuntzsch Solutions is to help their clients develop ideas and bring their projects to life. Once there is a plan in place, they work to help the company with anything that needs to be done, whether it’s finding funding for the project, working on a communications plan or incorporating advertising and websites.

Clients come to Kuntzsch Solutions for expert advice in all areas. For example, Kuntzsch Solutions has worked on projects with NextEnergy since 2004 to support strategy, business and funding development, industry services and marketing.

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“NextEnergy was our first and remains our longest standing client,” Kuntzsch said.

Over the years, they’ve helped NextEnergy develop numerous program strategies and cultivate millions of dollars in state, federal, corporate and philanthropic funding. They’ve also facilitated the strategic planning efforts, coordinated industry working groups, supported event planning and advised on policy strategy that was needed. On an ongoing basis, Kuntzsch Solutions identifies funding opportunities relevant to NextEnergy and their partners to help them develop program strategies and facilitate grant proposal development.

Kuntzsch Solutions has also worked with the University of Michigan-Flint and their regional stakeholders to develop a feasibility study for a Center to Support Entrepreneurship and Workforce Development in downtown Flint. The study focused on identifying regional needs and potential services to be offered at the Center as well as possible partnerships and opportunities for collaboration.

The team at Kuntzsch Solutions is extremely varied in order to handle anything that their clients require.

From graphic design to web development, the 10-person team can complete any project that their clients ask for.

Staff members at Kuntzsch Solutions work hard and that hard work has paid off. The company has been recognized as one of Michigan’s 50 Businesses to Watch.

“We don’t have plans to become a huge company,” explained Kuntzsch. “Our growth will be in line with the companies we work with to help us better serve them.”

On Friday afternoons after a long week of work, the office staff spend time together and drink a couple of local Michigan brews to bring the week to a close and develop a sense of community.

“I like to keep my staff feeling valued and have some fun along the way,” says Kuntzsch.

Kyle Dowling is an employee of M3 Group and is pursuing a writing degree at LCC. He enjoys fiction writing, video games and movies.

Conquest Health & Fitness Foundation The owner, Andre Hutson, has been an athlete for the majority of his life; he was a star basketball player at Michigan State University, and was drafted by the Milwaukee Bucks upon graduation.

His time in sports gave him the knowledge that he needed to properly take care of his body and he made it his mission to share that with others.

In 2012, Hutson decided to come back to the community and start a business. He saw it as an opportunity to educate people about fitness and help them to live a more active lifestyle.

After successfully running the fitness center for a few years, Hutson founded the Conquest Health and Fitness Foundation (CHFF). The foundation aims to get people of all ages active and to educate them about health and fitness.

“We want to engage people and get them active without having them think about the exercise that they are doing,” said Hutson.

BY SYDNEY FORD

CHFF is very new; it was founded in 2014, but it has already created some events that the community will be seeing again next year. Successful programs include a six-week ‘Golf for Kids’ program, a field day for elementary students and a local celebrity bowling fundraiser.

The foundation also hosts events that are more informative. They hosted an initiative that gave people the run-down on healthcare and assisted those who were still uninsured to sign up for a health insurance plan that fit their lifestyle.

CHFF recently hosted the Family FootGolf Fundraiser at the end of August. FootGolf, a combination of soccer and golf, is a creative event that brought the whole family out to play. The goal of the event was to show participants that being active is fun, while also raising money to support other programs hosted by the organization. “We want to engage people and get them active without having them think about the exercise that they are doing,” said Hutson.

With the help of the community, the foundation has had a very successful first year. Organizations including Compass Health, On Target Living and Jackson National Life Insurance have

PHOTO PROVIDED

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eing aware of personal health is an important aspect of living a better, stronger and longer life. Conquest Health and Fitness Center aims to help their clients reach their fitness goals and reshape, rebuild and renew their lives.

NONPROFITPROFILE

sponsored CHFF and many other local donors have given more than $45,000 to support the foundation’s programs.

Hutson hopes that the foundation’s involvement in the community will continue to grow as the organization evolves.

“We have done quite a bit in the community for being only a year old,” he said. “I really just want to provide opportunities for people who otherwise wouldn't be able to experience events like this.”

For more information about CHFF, visit chffoundation.com.

Fresh Fun Daily EAT

DRINK

PLAY

Just off of U.S. 127, north of St. John’s. For events, activities and more, go to ujcidermill.com and be sure to like us on Facebook and follow us on Twitter.

September 2015

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DIYQUICKCRAFTS

BY JAIME HARDESTY

turned TIGHTS

TURBAN

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or me, it has recently turned into the year of the headband. I don’t know if it is the summer heat and the fact that I rarely want to get out the blow dryer or that I am trying to grow out my hair. Whatever the reason, I have a newfound love of headbands.

I decided to try to make one of my own and was shocked at how quick and easy it was to make. I am not kidding you when I say it took me all of about five minutes. I was so excited and I think I have found a great little stocking stuffer for the year, too!

Have fun, happy DIYing and get your turban on.

supplies

• PA IR O F T IG H T S • S C IS S O RS

• S E W IN G M A C H IN E

directions

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STEP 1 — Cut the legs and feet off from your tights. You should now have two pieces.

STEP EIGHT — Tighten the knot by gently pulling on the tails.

STEP 2 — Stretch the pieces out.

STEP NINE — Fold in half up over the front of the knot.

STEP 3 — Lay piece one down and make a loop at the top with the right side over the left side.

STEP TEN — Pin the ends together. You will have to pull a little to make the ends even.

STEP FOUR — Lay piece two on top in a “U” shape with the ends at the top by the loop.

STEP ELEVEN — Sew the ends together with a ½ inch seam.

STEP FIVE — Put the right side of piece two under the right side of piece one’s tail.

STEP TWELVE — Cut off the extra fabric, getting close to the stitch.

STEP SIX — Put the left side of piece two under the loop on the left side of piece one.

STEP THIRTEEN — Turn right side out and enjoy!

STEP SEVEN — Now you are going to weave the tail of piece two. The right side of piece two goes over the loop of piece one on the right side. Pass under the left side of piece two and over the loop on the left side. Refer to the pictures to help you.

Jaime Hardesty is the Receptionist at M3 Group and a native of Michigan. When not crafting, she enjoys many of her other passions which include her two children, family, friends, antiquing, gardening, kayaking and bike riding.

Capital Area Women’s LifeStyle

September 2015

FANTASTIC 4

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n the newest remake of the Marvel comic, Fantastic Four, we meet four young friends who travel to an alternate dimension. Reed Richards (Miles Teller) is a genius who began work on a teleporter at the age of eight. He and his best friend, Ben Grimm (Jamie Bell), continue to work on the teleporter until they present it at a science fair. Dr. Franklin Storm (Reg E. Cathey) sees his work and realizes that Richards’ work has surpassed his own interdimensional research. Reed is then recruited to continue their work along with Dr. Storm’s children, Johnny (Michael B. Jordan) and Sue (Kate Mara), as well as Victor Von Doom (Toby Kebbell).

Once they have finished the machine, the team enlists the help of NASA to get the men and women working on this project through the gate to another dimension.

In order to be the first people in the new dimension, Reed and his new friends make an unauthorized trip through the portal. But everything goes wrong and they lose Victor into some mysterious green lava.

The remaining members of the group return from their tumultuous trip and bring with them some unexpected, superhuman powers. Reed becomes Mr. Fantastic and is able to stretch and twist his body at will, while Ben gains a tremendous amount of strength and becomes known as the Thing. Johnny is able to control and project fire as the Human Torch while his sister Sue becomes the Invincible Woman.

MOVIEREVIEW

BY KYLE DOWLING

Realizing their new potential, the friends are moved to a military base in the middle of nowhere to be trained as soldiers for the army. In an attempt to change back, they build another machine and travel back to the other dimension. When they arrive, they find that Victor survived his accident in the other dimension, but when he returns to Earth, it’s not with the best intentions. When Victor’s dastardly plans are unveiled, the Fantastic Four must work together to harness their newfound powers and save the planet from destruction.

This action-packed remake brings a new twist to the classic Marvel comic and the film’s CGI scenes bring a new life to the movie. The Thing is designed well and seems incredibly realistic, so much so that he looks natural lumbering down the streets of the city. Even the Human Torch’s movements look realistic as he spits fire at his enemies.

The Fantastic Four is available at movie theaters around the nation. If you’re looking for a fun, actionfilled movie, head to the theaters to check out Fantastic Four this weekend.

So go out and see the Fantastic Four this weekend.

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

1999 Central Park Dr. | Okemos (517) 381-8100 | studioctheatre.com

WE HELP BUSINESSES GROW. LET US HELP YOU. Independent Bank can help with financing for working capital, equipment, commercial real estate and more.

Today’s lending options are as diverse as your changing financial needs. Our relationship manager will work closely with you to customize a plan that fits your strategy.

Call one of our local lenders.

Craig Bull Vice President Commercial Lending 517.324.7415

David Gillison Vice President Commercial Lending 517.324.7404

Visit IndependentBank.com 24/7 Phone Banking: 888.300.3193 | Customer Service: 800.355.0641 | IndependentBank.com September September 2015 2015

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FASHION

BY MELISSA DAVIS | PHOTOS BY MIKE FR ANCE

y l b a on i h s a f FALL THE DOG DAYS OF SUMMER ARE SLOWLY DRIFTING AWAY AS THE TEMPERATURE CHANGES AND THE LEAVES

SLIP INTO SILK The weather can’t always make up its mind this time of year. To keep up with the transition, try a cotton pencil skirt, silky sleeveless blouse and a blazer to throw your outfit together in case the temperature drops. Pair it with fall color tones like this deep blue purse and closed toe heel. You can also accessorize using those fall tones like browns and ivory in your jewelry.

Top by New York & Company, $9.99; Two piece suit by Tahari, 39.99; Purse, $28.99; Shoes by Loft, $18.99 all available at Kellie's Consignments.

BEGIN TO TURN COLORS. ANOTHER SEASON, ANOTHER NEW WARDROBE. THE LADIES AT THE CAPITAL AREA WOMEN’S LIFESTYLE MAGAZINE WANT TO HELP YOU TURN OVER YOUR CLOSET! KELLIE’S CONSIGNMENTS HAS PUT TOGETHER SOME OUTFIT OPTIONS FOR WOMEN IN THE WORKPLACE!

EVENTS to RENT With more than 25 years 124 W. Allegan St., Ste. 700, Lansing, Michigan 48933

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LOOMIS

LOOMIS The Loomis Law Firm was featured in the Martindale-Hubbell Bar Register of Preeminent LawyersTM honoring attorneys who have achieved the Highest Possible Peer Review Rating in both Legal Ability and Ethical Standards.

GIVE IT A LITTLE EDGE

CLASSIC IS BACK

Want to change up the “classic suit?” Try pairing an edgy blazer with classic black dress pants.

The white blazer with sharp black trim gives a spin to your classic pantsuit. Piece it together with a simple bag and shoes so you don’t draw away from the drama in the blazer. Match it along with a statement necklace and you’re ready to go!

Rather keep it classic? Wear your black pantsuit with a sharp white button-down, nude low sling back heel and an oversized bag.

Try cropping the sleeve outside the blazer to keep it sleek, classy and fun. This look is an easy fall staple that should be in every woman’s wardrobe!

Two piece suit by Tahari, $49.99; Purse by Coach, $99.99; Shoes by Salvatore Ferragmo, $89.99; Necklace $9.99 all available at Kellie's Consignments.

Two piece suit by Grace Dane Lewis, $49.99; Purse by Beijo, $79.99; Shoes by Bandolino, $25.98 all available at Kellie's Consignments.

September 2015

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FINANCIALFACTS

BY DEIDRE DAVIS

GETTING DOWN TO BUSINESS THREE FINANCIAL TIPS TO SUCCESSFUL BUSINESS PLANNING

S

TARTING ONE’S OWN BUSINESS IS A DREAM FOR MANY; BEING YOUR OWN BOSS, HAVING RESPONSIBILITY AND BUILDING A CAREER THAT YOU’VE ALWAYS DREAMT OF ARE SOME OF THE PERKS TO BECOMING A BUSINESS OWNER. OF COURSE, BEGINNING A NEW BUSINESS VENTURE CAN BRING STRESS, PARTICULARLY FINANCIAL, AS WELL. WHETHER YOU ARE

BUILDING A START-UP BUSINESS OR INVESTING IN A FRANCHISE, MANAGING A BUSINESS IS NO SMALL FEAT. IT REQUIRES ADVANCED PLANNING, RESOURCES TO BEGIN WITH THAT WILL LAST YOU THROUGHOUT THE FIRST FEW YEARS AND FLEXIBILITY.

BACK TO SCHOOL!

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Get a free Vacation Guide with fall color tour maps.

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Capital Area Women’s LifeStyle

Locally owned. Nationally known.

September 2015 BCV 3918 Womens Lifestyle Lansing Fall Ad.indd 1

8/19/15 11:25 AM

No matter how strategically you plan for your new business, you can always expect that surprises will occur. It is difficult to predict the economy, your customers’ needs and wants and how your business will pan out in general. To help you plan for those unexpected twists and turns, we have listed financial tips to use when you start planning for your business and as you run it. They may not solve every problem that arises, but they will help you better succeed and manage your financial stress.

you begin your business, decide on a set amount to contribute to your savings account for each paycheck. For example: if you save $100 from each check, you will have $2,400 for one year. Invest those funds into a high-yield savings account or Certificate and you will see that money rise even faster.

3. FUND YOUR BUSINESS From business loans to crowdfunding sources, there are many ways that you can finance your new business. While you might withdraw from your personal savings to help start this new venture, the funding does not WITH AN EXPENSE AS LARGE entirely have to come from your own cash flow.

AND POSSIBLY LONG-LASTING For small businesses especially, there are special grants, loans and other types of assistance that will AS BEGINNING A BUSINESS, provide you with the money you need to get things YOUR BUDGET WILL BE YOUR running. For example, MSUFCU has a Business startUP Loan that is designed specifically for COMPANION AND EASE entrepreneurs in the tri-county area looking to YOU INTO THE FINANCIAL begin their business. If that doesn’t fit your needs, take a look at our other loan options; we have a TRANSITION THAT YOU WILL diverse group of products to help you with your INEVITABLY EXPERIENCE. business.

1. CREATE A BUDGET If you have not already begun budgeting, we recommend that you start now. Regardless of your income, budgeting better allows you to manage your money and plan for your financial goals and dreams. If you are living from one paycheck to the next, budgeting is necessary. If you are saving up for a dream vacation to Hawaii, budgeting is also necessary. With an expense as large and possibly long-lasting as beginning a business, your budget will be your companion and ease you into the financial transition that you will inevitably experience. Try making a budget without your business expenses and see what you can cut.

When starting a business, your income may be unstable and less than you received previously. Before that occurs, cut as many discretionary expenses as possible, which will help create room in your budget for any new expenses.

For more resources and information on how building a business and finances go together, visit our website at msufcu.org/ business. There are sure to be twists and turns as you get started, but we want to help you financially and personally succeed with your business dreams.

2. ESTABLISH A SAFETY NET When you begin cutting expenses, use the additional income to start a savings account. You may already have one, but any extra money that can be saved before you start your business will give you a financial safety net should any emergencies occur. If you are still employed elsewhere prior to and/or when

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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13

Deb Muchmore BETTER, BRIGHTER BUSINESS

BY AMI ICEMAN | PHOTO BY MARK WARNER

DEB MUCHMORE IS ONE OF MICHIGAN’S MOST RESPECTED

PUBLIC

RELATIONS

STRATEGISTS

AND

COUNSELORS, BUT HER NEW ROLE AS PARTNER AT KANDLER REED KHOURY AND MUCHMORE HAS ALSO ADDED HER NAME TO THE RESPECTED BUSINESS OWNER LIST. Though she insists others deserve praise for their role in business, the motivated and spirited Muchmore clearly has a knack for it.

The values and tools she uses in business aren’t just from formal education and training, she says it goes back much farther than that to her school days.

“It really goes back to White Pigeon Elementary and all the way through college. I had great teachers,” Muchmore said. “They must have done something right, because I would credit them for instilling in me curiosity. Not just in one thing, but finding an interest in a lot of things. It really is why I do what I do.”

Muchmore carried with her into her career curiosity and the value of hard work. Both came into play when she took her first job out of college in radio sales. A job she swears all people should have to try once.

“It’s a great learning job. It teaches you about business, but really it teaches you a lot about yourself. I had great teachers, but I was terrible at it. I was very thin skinned, but I learned a lot and it taught me communication and how to find my personal strengths,” Muchmore said. “It led me to my next job. When I left sales I moved to the buying side, being able to see both sides helped me better understand what would work.”

As her career progressed, she found each job gave her new skills and the drive to learn more. Recently, Muchmore made the decision to make a professional move and become a partner at Kandler Reed Khoury and Muchmore. A move that was both exciting and challenging for her.

“I chose to make this move, but it’s harder than you think,” she said. “It’s exciting, but change can be challenging. I am used to coaching people through change, but it takes on a new meaning when you’re doing it personally. I was at a place where I was ready to make this move, and even on the tough days when I feel like I’m slogging through it, I know it is worth it.”

Muchmore’s new role may come with some challenges, but she has also found a new spark and passion for her line of work.

“My favorite part has always been helping others to be successful.

I like helping clients not just reach their goals, but go farther than

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Capital Area Women’s LifeStyle

September 2015

Muchmore has always loved her role in the community and in her career, but with her move to partner she has also discovered an interest in business that has flourished.

“I’ve always been busy, but in this last year my role has changed a little bit. I am still a strategist and love helping people accomplish their goals, but I have also added the additional role in business,” Muchmore said. “I think it’s really exciting. I have learned so much and just like to take it all in.

It’s fun! It’s what Michigan is built on and what makes the country as a whole tick. Small business help sets the rhythm and beat for the state. There is a lot of pride with that.”

Muchmore credits much of her success to good timing, good people and good luck — though anyone who knows her would argue it’s her supportive, encouraging nature that has turned opportunity into success.

“I have had so many influential people in my life, my parents, my partners and of course my husband. Dennis is not only my best friend, but he has been an incredible influence in my career. He has encouraged me in every way and has helped so many others along the way too. He really is a great cheerleader,” said Muchmore. “I’ve never really

had a mentor in the traditional sense, but I’d have to say someone else who has had a tremendous impact on my career has been Bill Rustem. He has had an incredible impact on the state, he is thoughtful, smart and strategic, and I try to follow that.”

“IT TAKES A LOT OF CHUTZPAH TO CHALLENGE YOURSELF, TO MAKE A CHANGE OR TAKE A CHANCE. SOME PEOPLE THRIVE ON CHANGE AND OTHERS THRIVE ON STRUCTURE. KNOW YOURSELF AND THAT IS WHEN YOU GET THE BIGGEST REWARD”

“It’s all part of a great trip. If you treat people kindly, thoughtfully and respectfully, all that will come back to you in your family, friendships and business.”

And business to Muchmore is gender neutral.

Though she is a woman surrounded by men, she says she’s never felt this played a part in her career and she encourages all students to work toward their personal goals and make the rules for themselves.

“It takes a lot of chutzpah to challenge yourself, to make a change or take a chance. Some people thrive on change and others thrive on structure.

Know yourself and that is when you get the biggest reward,” Muchmore said. “It won’t always be easy. But like my mother would always say when I was sick or upset: ‘go out and get some fresh air.’ It was her way of saying when anything gets tough (or if you have a slight fever) take a breath, put your mind on something positive and move forward and the rest of your troubles will fall away. It’s great medicine for everything!”

Muchmore truly works to put good things into the community and strongly believes that what you put in is what you get back out. She invests her personal time in supporting organizations with the chamber, sitting on boards and working with the next generation of business leaders.

PHOTOS PROVIDED

that. You’re really part of creating someone’s dream,” said Muchmore. “I think it's fun, finding a way to make everything come together and help people do more than they thought they could do.”

Deb with her husband Dennis.

Deb and colleagues during a trip to China to advance business opportunities by mid-Michigan entrepreneurs.

September 2015

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BUSINESSCOACH

BY SUSAN COMBS

HERE COME THE

MILLENNIALS! B

OOMERS, GEN. X, MILLENNIALS; THE DIFFERENT GENERATIONS IN THE WORKPLACE HAVE BEEN A HOT TOPIC FOR A NUMBER OF YEARS NOW. I INCLUDE A TRAINING MODULE ON THIS IN MY MENTOR PROGRAM KICK- OFFS. THE GENERATIONAL TOPIC

PROVIDES SOME INTERESTING DISCUSSION ON COMMUNICATION STYLES AND HOW THIS MIGHT AFFECT THE MENTORING RELATIONSHIP.

C

NS IO

NNECT O

COFFE

E

AN D

Trust the brain injury experts.

Trust Origami.

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www.OrigamiRehab.org 16

Capital Area Women’s LifeStyle

September 2015

(517) 336-6060

With 10,000 people turning 65 years old every day, the Baby Boomers have begun their march out of the workplace and into retirement. The Millennials, or Gen. Y, will soon be the majority of the U.S. employee population. Different sources define the exact years of this group. Some say it’s the people born between 1980 and 2000; others peg the cohort to be those born between 1977 and 1997. Either way, at 80 million and counting, they are quite the generational force.

What have been the observations about the Millenials?

• They have been raised by collaborative parents and expect to be included in decision-making processes.

• They are globally focused, cyber-literate and environmentally conscious.

• They assume success will come quickly.

(A hangover from their childhood days when everyone got a trophy and was often told, “You are so special.”)

• They are confident and altruistic. A vast majority believe their age group has the potential to change the world for the better.

• They love mentor programs!

In addition, because of their constant access to information while growing up, they thrive on feedback. If their idea is bad, tell them why. Conversely, remember to have frequent conversations on their performance and what value they bring to your organization. Millennials want feedback in real time, not just one conversation at annual review time.

In their leaders, Millennials value openness, transparency and inclusion. Be a hands-on supervisor. Give them a warm welcome when they join your organization and have in place an effective on-boarding plan. Get them connected in your company as well as our greater Lansing community.

The new Leadership Lansing program offered by the Lansing Regional Chamber of Commerce received an enthusiastic response from Millennials who want to be connected and make a difference in our region.

Having a mentor program in place gives Millennials another source of feedback and connection. For the past two years, I’ve collaborated with Torontobased, best-selling author, Jennifer Britton, to develop our Mentor Roadmap™ workbooks and training materials. In providing a turn-key mentor program with support and accountability for our clients across North America, our clients have reported numerous positive results for the mentee, the mentor and the organization.

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Mentor programs can be easy to customize, easy to implement, cost effective and require only a one-hour conversation per month. For the mentees (mostly Millennials), having an additional person in the organization talking to them about career paths and development goals reaps huge benefits in retention and employee engagement.

With their optimism and incredible tech talents, the Millenials have great potential to add tremendous value to our workplaces. Look for ways to harness that energy. Evaluate what development programs you have in place and see what needs updating.

Look for new programs to add — an on-boarding plan or a mentor program. The Millennials offer a breath of fresh air to our workplaces. Be sure you are leveraging their potential to its fullest.

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 teambuilding training, and manages corporate mentor programs. She lives in Lansing with her 11-yearold son, Max, and their high-energy golden retriever puppy. Visit SusanCombsCoaching.com or MentorRoadmap.com for more information.

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HEALTHYLIFESTYLE

BY DELLA HUGHES-CARTER

Explore A More Beautiful You

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ype 2 Diabetes is one of the most challenging chronic illnesses to manage, but research demonstrates that lifestyle changes can prevent or delay its onset. The American Diabetes Association (ADA) recommends screening every three years if you have one risk factor and every year if you have two or more risk factors. If you have any of the following risk factors, speak with your health care provider to determine if you should be screened for diabetes: DIABETES RISK FACTORS: • I am 45 years or older.

• I am overweight (based upon body mass index for my ethnicity).

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• I am physically active less than three times a week.

• I have been told my blood sugar, cholesterol or triglycerides are elevated.

• I have high blood pressure or taking blood pressure medication.

• I have cardiovascular disease.

• I have polycystic ovary syndrome.

• My skin is darker around my neck and armpits (known as acanthosis nigricans).

• I have a brother, sister or parent who has diabetes.

• My family background is African American, Hispanic/Latino, Asian American or Pacific Islander.

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Capital Area Women’s LifeStyle

September 2015

If you had diabetes while you were pregnant (gestational diabetes) you and your child have a lifelong risk of developing diabetes.

DIABETES PREVENTION Research confirms that sitting more than 90 minutes at a time is unhealthy. Being active has numerous benefits to your health, including the prevention of type 2 Diabetes. Evidence suggests that resistance training two times per week (with no contraindications) and 150 minutes a week (minimum of three days) is recommended.

Nutrition that is balanced with the appropriate amount of calories is essential. If you are overweight, losing 5 to 7 percent of your weight prevents the development of Diabetes.

For example, a person weighing 200 pounds would need to lose 10 to 14 pounds. The ADA encourages limiting or avoiding beverages from any caloric sweetener including sucrose and high-fructose corn syrup.

Most importantly, work with a healthcare provider as your partner in prevention. Small lifestyle changes can have a major impact on the quality of your life. Every person is unique; therefore healthcare goals should begin with your priorities, supported by your healthcare provider. Living healthy means feeling well and improving your chances of not developing diabetes.

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.

SHE MEANS BUSINESS

TA M M Y H A N N A H

Taking the Lead & Inspiring Change

By Brent Taylor

A

fter following a 15 year, intern-toExecutive Director career path, it might be tempting for a leader to rest on her laurels and soak it all in. Origami’s Tammy Hannah has done anything but. Since taking the reins of this nonprofit brain injury rehabilitation center just over a year ago, Hannah has not only put Origami on the map, but also on an explosive growth track unlike anything the company has experienced.

A $3.5 million physical expansion might be enough for many companies, but add to that a newly announced partnership with Burcham Hills to open the region’s only brain-injuryspecialized sub-acute care center and an enhanced Concussion Care service to address the growing awareness of sports concussion in our area’s high schools, and one can easily sense the passion and drive that gets Hannah up in the morning.

“When you are privileged to lead a company this special — one that offers the community

something no one else does — you have a responsibility to do all you can to grow your presence and leverage your expertise to broaden your reach in whatever ways possible,” said Hannah.

To pull off a feat of this magnitude takes more than drive and good ideas; it takes buy-in from the entire organization, and she has it.

“It’s pretty simple,“ says Brent Taylor, Origami’s Business Development Manager. “In some companies, they follow their leader because they have to. At Origami, we follow ours because we want to.”

This singular vision is shared throughout the company, and Hannah keeps her fingers on every pulse to keep her team engaged — a trait that will be increasingly critical as Origami adds more than 20 new jobs in the coming year, and clinicians begin offering service outside of Origami’s walls for the first time as part of the Origami at Burcham Hills partnership.

Hannah is not shy about the fact that the vision doesn’t end here. Future expansions are already in the brainstorming stages, and the company has recently begun a full-scale effort to raise awareness and support of their Unfolding Potential Fund, aimed at allowing Origami to provide services to the under- and non-funded brain injury population, an at-risk population that she says is significantly larger than most community members might realize.

“I’ve spent a career watching this place grow, and it’s my job to continue that progress,” s aid Hannah.

If progress is her job, she certainly appears to be doing it.

September 2015

CAWLM.COM

19

y a W h A Fres

a t s e i F to

Courtesy of Family Features

Watermelon Margarita Makes 1 serving

Wate

1 1/2 ounces tequila

rmelo

3/4 ounce Triple Sec 3/4 ounce Midori 2 ounces sour mix 6 ounces cubed, seeded watermelon 8 ounces ice Blend all ingredients. Serve in 14-ounce glass. Garnish with lime or watermelon.

With 14 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.

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September 2015

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SHE MEANS BUSINESS

PORSCHE MILES GRANT Helps create a more financially stable Lansing

P

orsche Miles Grant wears many hats.

She’s an author, a fitness instructor, inspirational speaker and her most influential position is holding the title of the Community Engagement Coordinator at CASE Credit Union. Grant means business; she has conducted more than 300 financial literacy lessons to more than 2,000 students in Lansing and surrounding areas within the past year, hosted and taught monthly financial seminars at various CASE Credit Union locations, while also ensuring that CASE is heavily involved in the community are just some of her daily tasks. A fearless leader is what she would like to be known as. The 27-year-old Detroit native and Michigan State graduate is showing no signs of slowing down. In fact, she’s just begun.

April, Santa’s Coming to Town in December and a sponsored day at the Michigan Historical Museum in August.

Grant thrives best in hectic situations. Using her charm, leadership abilities and gregarious personality, she manages to bring a sense of creativity and enthusiasm to the not so exciting topic of money management and credit repair. Nevertheless, she works diligently and relentlessly to promote financial literacy, especially with youth.

Grant believes that if you teach a child basic financial concepts, that child will have a better understanding of money management as an adult. She believes firmly in the notion that youth are our future and as a result, organizes and participates in youth events that will offer services and resources for children to develop healthy money practices.

RESOURCE FOR FINANCIAL EDUCATION

However, Grant is not just limited to assisting with the improvement of our youth, she is also passionate about the financial future of adults. She explained that less than 56 percent of Americans have $500 dollars in their savings account. Such statistics have inspired her to coordinate free financial workshops that are geared toward saving and budgeting. In her role at CASE Credit Union, she is able to give back to the community through workshops that offer motivation, education and financial empowerment.

Attendees of such seminars learn practical, step-by-step techniques to increase their finances. Through her teachings, individuals become more optimistic about financial growth and are set up for financial success.

Challenged with the task of spreading the word about CASE’s free financial literacy program, Grant is a frequent guest on Fox 47’s Morning Blend promoting various free community events sponsored

by CASE Credit Union. These include: Youth Financial Week in

Grant has also established long-lasting community partnerships with the City of Lansing, the YMCA’s of Lansing, Board Water and Light, Power 96.5 and many, many more. She continues to keep CASE shining within the community with a primary focus on financial literacy. Grant expressed that one of her favorite quotes is, “There will always be waves, so you must learn to surf.”

GRANT UNDERSTANDS THAT KEEPING A POSITIVE OUTLOOK ON LIFE OPENS DOORS TO CHANGE AND OPPORTUNITY. IT’S SIMPLE; HER MISSION IS TO INCREASE FINANCIAL AWARENESS, ONE CONSTITUENT AT A TIME. SHE IS READY TO BREAK BARRIERS AND BE A RECOGNIZED THROUGHOUT THE COMMUNITY.

“I believe that as long as you live you will have trials and tribulations,” she said. “However, it is how you choose to deal with them that makes you triumphant.”

She goes on to explain that your attitude is like a flat tire, until you change it, you will never move. Grant understands that keeping a positive outlook on life opens doors to change and opportunity. It’s simple; her mission is to increase financial awareness, one constituent at a time. She is ready to break barriers and be a recognized resource for financial education throughout the community. Currently, Grant is a certified paralegal and financial counselor. She continues her education as a master’s student at Northwood University in the field of organizational leadership. Her leadership is a needed attribute to the City of Lansing and surrounding areas.

Porsche Miles-Grant, CCUFC Community Engagement Coordinator Phone: (517) 367-1001 Fax: (517) 367.8300 Cell: (313) 753-2696 Pmilesgrant@casecu.org www.casecu.org

September 2015

CAWLM.COM

21

courtesy of Family Features

Improve Your

An Evening With

Martina McBride September 19, 2015 Smash Mouth October 10, 2015

S

The Lettermen October 24, 2015 Matthew West and Francesca Battistelli November 1, 2015

Mental Sharpness taying active physically is important as you age, but exercising the brain can also have some important health and disease-prevention benefits.

In fact, a 2014 study conducted by the Wisconsin Alzheimer’s Disease Research Center found that participants who reported playing memory games at least every other day performed better on standard memory tests compared to those who played less frequently. The study assessed 329 older adults who were free of dementia, but at increased risk of Alzheimer’s based on family history.

Clifford the Big Red Dog Live!

November 8, 2015

Trumping Alzheimer’s

“You’ve Got a Friend” The music of James Taylor & Carole King November 21, 2015 Sister’s Christmas Catechism:

The Mystery of the Magi’s Gold December 5, 2015

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December 13, 2015

According to the Alzheimer’s Association, the number of people with the disease may nearly triple to 16 million by 2050, barring the development of medical breakthroughs to prevent, slow or stop the disease. For older individuals, getting involved in social and cognitively stimulating activities, such as the game of bridge, is more important than ever.

“In our study, we found that individuals who participated more frequently in activities such as card games, checkers and crossword puzzles have increased brain volume in areas that stimulate memory and affect the development of Alzheimer’s disease,” said Dr. Ozioma Okonkwo, assistant professor of medicine at the University of Wisconsin–Madison.

Bridge

Moscow Festival Ballet:

Cinderella January 9, 2016

The card game of bridge is one of the most popular games of skill and memory, involving math and social skills as the players deal the cards, auction, play the hand and score the results.

Hormonal Imbalance

Starring: Sally Fingerett, Debi Smith, Nancy Moran and Deirdre Flint

According to the American Contract Bridge League (ACBL), an estimated 25 million people in the U.S. play the game socially in clubs or homes, competitively at tournaments, or online.

January 22, 2016

Many ACBL members are senior citizens who have been playing at local bridge clubs for most of their lives, such as 103-year-old Lily Hansen of Ludington, Mich. Hansen, who serves as a director of her club, recently told AARP Bulletin that playing twice a week helps her stay sharp and active. She has been playing bridge for nearly nine decades. “Duplicate is competitive. It keeps your brain working. I honestly believe that,” she said.

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With more than 167,000 members and 3,200 clubs nationwide, the ACBL offers programs developed to make learning the game simple. Visit learn.ACBL.org for sessions on how to play or to find a club in your area.

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22

Capital Area Women’s LifeStyle

September 2015

The game also attracts business-oriented minds, including two of the smartest men in America — Warren Buffet, 84, and Bill Gates, 59. The duo has been particularly supportive of promoting bridge among youth, given the game’s competitiveness and unlimited series of complex calculations.

Whether you prefer a rousing game of cards with friends or a peaceful crossword puzzle alone, engaging in such activities can help sharpen your mind, which can help you to better enjoy life for many years.

Spicy

From Rehabilitation to Residential Living.

This is Burcham Hills.

Kale Chips Recipe and photography by Laurenda Bennet

A

re you skeptical of kale chips? Maybe you’ve heard of them, seen them packaged at health food stores, and secretly wondered if they live up to all the hype. How could a leafy green even remotely represent a chip? I am here to tell you that they do!

Kale chips are surprisingly crispy, salty, and finger-licking good. My husband and toddler agree whole-heartedly. I am always surprised by how quickly a batch of kale chips disappears after I pull them out of the oven. The course kale leaves crisp up nicely in the heat with a bit of olive oil and salt, and morph into a nutritious and delicious snack.

This recipe is for a spicy version, but just omit the cayenne pepper if you’d like to try them plain. Either way, they’re a healthy (and tasty) replacement for the typical potato chip. Dig in!

SPICY KALE CHIPS Makes 4 servings 1/2 bunch kale 2 tablespoons olive oil 1/2 teaspoon cayenne pepper Salt to taste

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Preheat oven to 350 F. Remove hard stems from kale and tear into small pieces. Rinse and dry kale leaves thoroughly (I used a salad spinner).

Place kale in a bowl and add olive oil and cayenne pepper, massaging it into kale with hands. Evenly distribute kale on a large baking sheet. It’s ok if they overlap a bit, but do not layer.

Bake for 20 minutes (oven times may vary, so keep checking them around the 12-minute mark). Remove when chips start to turn brown and are crispy to the touch. Salt to taste.

Note: Most kale chip recipes will have you adding the salt before baking.

This is usually not a good idea, as more often than not you’ll over salt the kale. I’ve fallen victim to this on more than one occasion. The kale will also shrink significantly. Salt after they’re baked for a perfectly seasoned kale chip!

Where your life journey continues.

2700 Burcham Drive, East Lansing, MI 517-351-8377 | www.BurchamHills.com

September 2015

CAWLM.COM

23

e r u t n e v d A An Ireland

BY TIFFANY DOWLING

E

veryone has a place they would like to visit. I have a pretty long list of locations that I want to travel to someday. I’ve always loved seeing new places and coming to understand a bit of a new culture. It helps give me perspective on life and it makes the world seem big and small at the same time.

My husband and I had the good fortune to visit the cities of Dublin and Killarney, Ireland for just over a week. The trip was organized and set up to showcase the amazing sites, beautiful architecture and welcoming people.

eland. urs to get to Ir ho n ve se t ou the wing It takes ab g photo over in az am is th Dublin.

I caught e to landing in os cl ry ve e er when we w

There’s something really special about travelling to a place where your ancestors were born and lived and died. Although my grandparents have an Irish heritage as Whites and Taylors, I didn’t have enough information to do any research.

But, my husband has much information about the Dowlings, so we spent a full day of our trip off the beaten path visiting a small town 40 minutes outside of Dublin looking for relatives and taking in the history.

Although we didn’t find a long lost cousin, we did meet a few people anxious to help us figure out where his family was from. We also took the time to visit the Blarney Castle and the Gap of Dunloe, both beautiful historic sites.

EXPLORE NEW POSSIBILITIES

THROUGH MUSIC MSU Community Music School (CMS) offers music education and music therapy for people of all ages, incomes, and abilities.

• PRIVATE LESSONS

• GROUP LESSONS

• CHOIRS

• MUSIC THERAPY

• EARLY CHILDHOOD CLASSES

• ADULT BANDS/PROGRAMS

For more information visit www.cms.msu.edu or call (517) 355-7661 CMS is the outreach arm of the MSU College of Music 24

Capital Area Women’s LifeStyle

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4930 S. HAGADORN RD. EAST LANSING, MI 48823

ng out the Ireland, checki If you go to visited the is a must. We historic pubs traditional e Bar where famous Templ e present in cked house wer music and a pa weekday. the middle of a

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St. Patrick’s Cathedral in Dublin was so beautiful that Pat and I visited it twice in two days. Ther e was so much to see it was difficult to take it all in.

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10 Things to do in September

By Peaches McCahill

1

Invest in the future. Open a savings account that cannot be touched.

2

Create a personal budget. Know how much money you need to live your lifestyle. Always ask yourself, “Do I need this, or do I want this?”

4

“The greatest glory in living not in never falling, but in rising every time we fall.”

-Nelson Mandela

3

Look over your insurance policies.

Often your premiums raise annually without you realizing it – same thing with your car and life insurance.

5

Finish the task, and finish it strong!

Review home safety. Discuss emergency procedures with your family. Make sure you have the necessary items in your home such as a fire extinguisher, ladder, escape route plan, etc.

A fun run...

of the

for men & women all ages

...to fight breast cancer. Please help

Race Brides Oct. 25, 2015

www.fantasticfindsraceofthebrides.com www.fantasticfindsraceofthebrides.com towne center

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Capital Area Women’s LifeStyle

September 2015

towne center

Discover something special, Fantastic Finds, Michigan’s largest bridal salon

F

alling forward means taking action with a plan for what’s ahead. Preparing for the future can avoid a possible disaster as well as remove stress and anxiety for ourselves and our loved ones.

6

Avoid negative time leaches such as talking about others, criticizing, or gossiping.

8

7

Continually organize. Don’t wait for an overwhelming mess. Organize a little each day.

Brainstorm new ideas. I carry an idea book in my car and keep one next to my bed.

Give time to others. It’s the ultimate way to increase personal self-worth.

9

10

Peaches McCahill is founder and president of The McCahill Group, a leading provider of health, wellness, beauty and talent solutions, and owner of M Power Studio. She has a passion to inspire others with simplistic lifestyle suggestions.

Take care of yourself. Optimal health = optimal production.

Diversity y

Lansing

A Lansing Economic Area Partnership Initiative

Presents the

Execu t ive Le a d e r s hip Wo r kg ro up Thu r sda y, Se p te mbe r 17, 2015 8:30AM www.DiversityLansing.com

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September 2015

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Your W

Eco Purse-onality

hat if we said you could prevent pollution, conserve resources, support local and global communities and promote fair trade and social justice by treating yourself to a new bag? There are plenty of products that are a gift to you as well as the earth. Shop environmentally friendly this season to reduce your style carbon footprint!

By Bri Kilroy

Planner Living in Michigan forces you to be ready for all weather any time of the year.

Torrain recycled bags makes it easy for you with their lightweight, durable and water-resistant product line. In addition to being constructed of reclaimed cement, feed and rice bags, Torrain is committed to fostering communities during production. Whether you’re searching for a yoga mat bag, a clutch, or a backpack, Torrain has you covered. www.torrain.org

MiniMaker IMAGINE. DEVELOP. BUILD.

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Capital Area Women’s LifeStyle

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Inspirer Another masterpiece of Mary King’s. A silk shirt is upcycled to line the inside and the strap is made from a black canvas belt long enough to wear across your body. This purse has a pop of enthusiasm, but doesn’t disrupt a laid-back style. This creative, effortless bag can follow you from the casual day to an evening of idealistic conversation. www.clothingmatters.net

Visionary Made from hemp fibers harvested by hand and softened in water, this medium-sized purse by Earth Divas complements your love for the environment and the beauty found in our ecosystem. Various hemp fabric cutouts, each embroidered with its own design, come together giving the handbag that carefully handcrafted look. It supports your earth-friendly lifestyle while also supporting the artisans of Nepal who make it. www.earthdivas.com

C

A

M

I

P

A

A

T

A

L

R

This bag by Earth Divas leaves your hands free by being worn across the body and sitting comfortably at the hip. There will be no fuss or chances to misplace this bag as you explore the local markets, art booths or busy bookshelves. The untreated, certified cotton gives this style statement beautiful and saturated colors that hold multiple shades in each piece.

It will show off your colorful purseonality even on the gray days. www. earthdivas.com

Proudly serving Lansing for over 50 years!

A

E

Nurturer

Doer

This over-the-shoulder bag is big enough to carry everything you need along with the things you might. We’re not saying you have to be a mom to love this bag, we’re just saying you could fit a small child in it if you needed to (and feel good knowing they’re wrapped in ecofriendly fabric). Michigan artist Mary King hand makes her casual totes by repurposing articles of clothing patterned with beautiful designs and quality fabric, making each one as unique as the purse-onality it belongs to. Find her bags at Clothing Matters. www.clothingmatters.net

MOVIES TASTE BETTER AT

DeLuca’s

G

A DV E

A

Z

I

N

RE E H E RTIS TODAY

CE UR SPA O Y E V RESER

E

2006 W. WilloW sTreeT

lansing

Home of Lansing’s Finest Pizza!

517.487.6087

DeLuca’s is a family-owned restaurant serving pizza and a variety of other Italian dishes.

Thank You Lansing!

inDucteD into the

Pizza haLL of fame

2015

DeLucasPizza.

co m

CONTACT OUR SALES TEAM AT 517.203.0123

Mon-Thurs 11aM To 10pM Fri & saT 11aM To 10:30pM

Seating and orders end 15 minutes prior to close

$2 GLASS OF WINE

with the purchase of a Featured Item 1999 Central Park Dr., Okemos 517.381.8100 • studioctheatre.com Valid on one drink only Mon-Thurs Valid through October 8, 2015. Present this coupon at redemption.

September 2015

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events SEPTEMBER 11 — 9th Annual Mayors’ Ramadan Unity Dinner, Lansing. Join Mayors Virg Bernero and Nathan Triplett for the 9th Annual Mayors’ Ramadan Unity Dinner, Hope Not Hunger. The dinner will be held at the Lansing Center, located at 333 East Michigan Ave, from 6 to 9 p.m. Tickets cost $15/college student, $25/individual, or $80/family of four. For more information, email rachel.huston@lansingmi.gov or call (517) 483-4141.

SEPTEMBER 20 — Lansing Bridal Show, Lansing. Visit the largest bridal show in midMichigan, where traditionally more than $10,000 in door prizes have been awarded. Vendors will include DJ’s, photographers, limo companies, invitations, photo booths, hotels, caterers, bakeries, decorators, videographers, travel agents and much more. All vendors will be giving away door prizes. No purchase is necessary and you don’t have to be present to win. The Lansing Bridal Show will be held at the Lansing Center, located at 333 Michigan Ave. For more information, visit info@LansingBridalShow.com.

SEPTEMBER [EVENTS, ARTS, EXHIBITS]

SEPTEMBER 27 — Grand Adventure Race, Grand Ledge. Enjoy a modified triathlon at Jaycee Park. Participants will paddle, bike and run. Tour Grand Ledge as you do a two-mile kayak, an 11.8mile bike and a 5k run. The cost to enter is $80/ person or $135/two or three person relay teams.

All participants will receive a finisher medal and t-shirt. Visit Jaycee Park, located at 220 South Bridge Street. Check-in is from 7 to 8:15 a.m., followed by a pre-race meeting at 8:30 and the race at 9 a.m. Proceeds will benefit Grand Ledge Park improvements. For more information, visit GrandAdventureRace.com.

SEPTEMBER 30 — Grand Opening, Okemos.

Join O Bella Aesthetics for their Grand Opening celebration hosted by 99.1 WFMK and 97.5 WJIM and a special guest. Enjoy live entertainment, hors d’oeuvres, giveaways and more. The celebration will be held at O Bella Aesthetics, located at 2150 Association Drive, from 4 to 7 p.m. RSVP to (517) 481-3721. Visit obellacenter.com.

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TRICOUNTYEVENTS

}

OCTOBER 3 — Free Day at Potter Park Zoo, Lansing. Visit Potter Park Zoo and enjoy more than 600 animals and over 160 species. Lansing and Ingham County residents will receive free admission to the zoo from 9 a.m. to 6 p.m. Parking is not included. For more information, visit potterparkzoo.org.

SEPTEMBER 20 — World Rhino Day, Lansing.

Celebrate the 5th annual World Rhino Day by visiting Potter Park Zoo. Enjoy special tours and a behind-the-scenes experience of the black rhino exhibit. There will be two sessions for this special experience at 1 and 3 p.m. While at the zoo, you can also visit rhino informational tables and enjoy kids activities from 10:30 a.m. to 4 p.m. and of course, visit all of the other animals. Tickets for the rhino tours are $10/adult and $5/children ages 12 and under. Tickets are limited and available on a first-come, first-serve basis. For more information, visit potterparkzoo.org.

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OCTOBER 3 & 4 — 8th Annual Antique Harvest Sale, DeWitt. Join the Farmer’s Daughter for the 8th Annual Rustic to Romantic Antique Harvest Sale. Situated on an 1800’s Family Homestead, dealers will be set up in three old farm buildings offering their “harvest” of unique vintage and antique timeless treasures for your home. Outside vendors, refreshments and seasonal décor will also be available. Visit the sale, located at 4410 West Howe Road, from 10 a.m. to 4 p.m. For more information, call (517) 669-5096 or visit Centennial Farm Antiques on Facebook.

OCTOBER 10 — Mini Maker Madness, Okemos.

Visit the Meridian Mall for Mini Maker Madness.

Enjoy an expo throughout the common areas of the mall featuring local, regional and national “makers” showcasing their inventions through 3D Printing, Robotics, Tinkering and Crafting.

Several of the “makers” will be offering STEM (science, technology, engineering and math) based activities for children. Don’t miss this family fun event from 10 a.m. to 5 p.m.

OCTOBER 10 & 11 — Apple Butter Festival, Lansing. Save the date for Fenner Nature Center’s Apple Butter Festival. For more information, visit mynaturecenter.org.

OCTOBER 9-11 — 35th Annual Color Cruise & Island Festival, Grand Ledge. Experience the beautiful fall colors at Island Park by riverboat, canoe, horse and wagon, bicycle or air. Other activities include cider pressing, blacksmithing, fur traders, pioneer crafts, candle dipping, pumpkin painting, music, food and more. This family fun festival will be held at Island Park in downtown Grand Ledge. For more information, visit grandledgechamber.com or call (517) 627-2154.

OCTOBER 11 — Mega Toy Hack, Okemos.

Bring the kids to the Meridian Mall for the Mega Toy Hack. Give your kids an opportunity to let their imaginations run wild and their creativity flow. Each child will have the opportunity to use old toys, “hack” them apart and then repurpose them into a new toy. This fun family event will be held from noon to 4 p.m.

arts SEPTEMBER 9 — Jazz On The Grand, Lansing. Join the Lansing City Market and LEPFA as they host a series of Jazz concerts on the Grand. Enjoy refreshments from City Market merchants. Concerts are free to attend and will begin at 6 p.m.

Visit the Lansing City Market, located at 325 City Market Dr., for these fun evenings. For more information, visit lansingcitymarket.com.

SEPTEMBER 18 — MasterWorks 1: Votapek Plays Gershwin, Lansing. What better way to launch a new season than with beloved American composer and musician George Gershwin, and one of Lansing’s own treasures, pianist Ralph Votapek. Performing a collection of showstopping music, this Gershwin experience will have your heart pounding with excitement. Join the Lansing Symphony Orchestra, located at 501 South Capitol Ave., for this amazing event beginning at 8 p.m. For more information, call (517) 487-5001.

SEPTEMBER [CLINICS, FUNDRAISERS]

TRICOUNTYEVENTS

SEPTEMBER 4-6 — Random Battle Con, Lansing. Brought to you by the creators of Shuto Con, Random Battle Con is coming to Lansing.

Enjoy a three-day convention focusing exclusively on gaming (console gaming, arcade gaming and tabletop gaming). There will be a large arcade/ console gaming room, a large PC gaming room, a large tabletop gaming room, gaming tournaments, panels, more than 100 unique exhibitors, special guests and more. Visit the Lansing Center and Radisson Hotel from 9 a.m. to 6 p.m. Friday through Sunday for this exciting event. For more information, visit randombattlecon.com.

and an opening and closing ceremony. The walk will be held at the State Capitol. Registration will begin at 11:30 a.m., followed by the opening ceremony at 12:45 p.m. and the walk at 1 p.m. For more information, email rtanner@alz.org or call (517) 999-3004.

OCTOBER 6 — Waiting for Tina Meyer, REO Town. A reading of the play by Larry Shue (The Nerd, The Foreigner) and Kristine Thatcher (Niedecker, Among Friends) featuring John Lepard, Emily Sutton-Smith, Michael Jospeh Mitchell and Andy Callis. One night only, followed by an afterglow party with the cast, at Robin Theatre, Lansing’s newest performance venue at 1105 South Washington Ave., beginning at 7 p.m. For more information and tickets, visit ktfund.org.

OCTOBER 24 — A Cappella Round Up, Okemos.

Water Wonderland Chorus, an award winning women’s barbershop chorus, presents a fun-filled evening of Country/Western singing Barbershop Style provided by the chorus and quartets and a catered “chuck-wagon” style buffet. Also enjoy a silent auction and a 50/50 raffle. Dust off your boots and spurs and join the fun at Okemos Community Church, located at 4734 Okemos Road. Doors open at 5:30 p.m. with the buffet beginning at 6 p.m. Seating is limited and tickets are only available in advance. Cost to attend is $20/person.

For more information, call (517) 321-6105 or visit waterwonderlandchorus.org.

exhibits

clinics

SEPTEMBER 15 — 100 Women Who Care Meeting, Lansing. 100 Women Who Care is a group of more than 100 women who get together four times per year to help local charities, nonprofits and worthy causes serving the greater Lansing area. Because of difficult economic times, many of these local charities’ resources are being depleted or greatly stressed due to the growing number of requests. 100 Women Who Care brings together women who want to make a difference in our community. To date they have given more than $300,000 to local charities since their start in March 2010. Join the Lansing chapter of 100 Women Who Care for their next meeting at the University Club, located at 3435 Forest Rd., beginning at 5 p.m. For more information, visit greaterlansing100womenwhocare.com, email rose@roseandev.com, donnaoade@glolawpc.com, or call (517) 332-4411.

fundraisers

SEPTEMBER 13 — Alzheimer’s Association Walk to End Alzheimer’s, Lansing. Join the Alzheimer’s Association and more than 1000 community members at the Alzheimer’s Association Walk to End Alzheimer’s. Participants will do more than just walk; they will also learn about the Alzheimer’s disease and how to get involved with the cause. Enjoy a one and a half mile walk, raffles, kids activities, food trucks

SEPTEMBER 17 – Capital Area Women’s LifeStyle Magazine’s Lady Classic Golf Outing, East Lansing. CAWLM is proud to host the 2015 Lady Classic golf outing, benefiting the Capital Area Response Effort (C.A.R.E.), at Timber Ridge Golf Club in East Lansing. Individual player packages are $100 each, and $400 per foursome. The player package includes greens fee and cart, two beverage tickets, light breakfast, lunch and dinner as well as a player gift bag. Single golfers will be assigned to a foursome by the CAWLM staff.

Registration and breakfast begin at 8 a.m., with a shotgun start at 10 a.m. To register for the golf outing, visit cawlm.com.

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SEPTEMBER 22-27 — Cinderella, East Lansing. Experience Rodgers & Hammerstein’s fresh new take on an old classic — Cinderella. Enjoy a hilarious and romantic performance with surprising twists and, of course, the classic elements of the story — glass slippers, a pumpkin and a grand ball. Cinderella will be performed at the Wharton Center, located on MSU Campus at 750 East Shaw Ln., with tickets starting at $35/person.

For more information, including show times, visit whartoncenter.com or call (517) 353-1982.

SEPTEMBER 19 — Capital City River Run, Lansing. Help support the Impression 5 Science Center by taking part in the Capital City River Run. Runners can participate in a kid’s mile, 5k, half-marathon or marathon. This event will be held at the Adado Riverfront Park, located at 201 East Shiawassee, beginning at 8 a.m. For more information, call (517) 899-5211.

SEPTEMBER 20 — Spartan Marching Band for Kids Concert, Lansing area. What could be better than an intimate setting and the sounds of the Spartan Marching Band – one of the oldest and most recognized university marching bands in the country? Join us at the home of Tim and Cathy Staudt for this incredible event supporting the Sparrow Children’s Center and MSU Marching Band. The afternoon will include delicious food, music, auction items and the opportunity to mingle with your favorite MSU Athletic Coaches. Join the fun from 3 to 6 p.m. Gates will open at 2 p.m. For tickets and more information including address, visit sparrowfoundation.org/spartanbandconcert. com, email Stacie.Peltomaa@sparrow.org or call (517) 364-3532.

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TRICOUNTYEVENTS

SEPTEMBER [FUNDRAISERS]

OCTOBER 1 — Osteoporosis Management, Lansing. Join Beals Institute and Kermit Day, NP for a discussion on Osteoporosis Management: What can I do to keep my bones from breaking?

The lecture will begin at 6:30 p.m. on the first floor of Beals Institute, located at 4333 West St. Joe Highway. Please RSVP by calling (517) 321-1525.

OCTOBER 10 — Greater Lansing Heart Walk, Lansing. Do you want to help raise the money needed to support the American Heart Association’s lifesaving research, programs and education in order to help fight heart disease and stroke? If so, join them at the Greater Lansing Heart Walk.

This fun, non-competitive walk will be held at the Cooley Law School Stadium, located at 505 East Michigan Ave. Registration begins at 8:30 a.m., followed by opening ceremonies at 9:15 a.m. and the walk at 9:30 to 11 a.m. Help save lives and join the walk. For more information, visit LansingHeartWalk.org or email Rodney.Parkkonen@heart.org.

OCTOBER 10 — Walk for the Animals, Grand Ledge. Join the Capital Area Humane Society for their second largest fundraiser of the year, the Walk for the Animals. Walkers register as individuals or as a team, collect donations and then join the walk on October 10 at Fitzgerald Park, located at 133 Fitzgerald Park Dr. Additional

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Capital Area Women’s LifeStyle

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activities will include: demonstrations, games, contests, vendors, lunch and more. Activities begin at 1 p.m., with registration running from 1 to 2:45 p.m., lunch from 1 to 3 p.m. and the one mile walk and extended nature trail walk at 3 p.m.

The cost to participate is $25/person and includes parking, entry and lunch. Children 12 years of age and under are free. For more information, email events@AdoptLansing.org or call (517) 626-6060 x.120.

}

SEPTEMBER 26 — 3rd Annual Capitol Zumbathon, Lansing. For the third year, Muscular Dystrophy Association is taking over the Capitol lawn for Zumbathon. Join Instructor Amy Berry and more as they help local families fight Neuromuscular Disease. The cost to participate is $20/person before August 15 and $25/person after August 15. Cost includes a t-shirt, although supplies will be limited after August 15. All money raised will stay local in Michigan. This fun event will be held on the Capitol Grounds, located at Capitol Ave. and Michigan Ave., beginning at 11 a.m. For more information, visit downtownlansing.org.

WHERE KIDS

PLAY & EXCEL

AFTER THE

SCHOOL BELL

Westside Community YMCA BEFORE AND AFTER SCHOOL PROGRAMS When heading home after the bell rings just isn’t an option, the YMCA provides children a safe place to do homework and play after school.

Daily activities include: - Homework help - Snack time and nutrition - Physical activity and health - S.P.A.R.K. activities - Arts & crafts - The YMCA’s Life Skills and Character Building Value Lessons GRADES: K-6 TIMES: Before School: 7:00am to start of school After School: End of school day to 6:00pm LOCATIONS: Averill • Cavanaugh • Cumberland • Fairview Kendon • Lewton • Post Oak • STEM • Sheridan Willow • Wexford FOR MORE INFORMATION Contact Jason Helman 517.827.9666 • jdhelman@ymcaoflansing.org

Sample Afternoon (times may vary by location)

3:30p

3:45p

Bell Rings

Healthy Snack

4:00p

Physical Exercise Activity

5:00p

Homework Assistance

5:30p

Interest Centers

(drama, science, arts & crafts)

6:00p

End of Day

APPLE & SOUR CREAM

coffeecake

FROM THE KITCHEN OF CATHY BLATNIK

ingredients Makes 10-12 servings.

• 1 ½ cups white sugar • 2 cups white flour

• ½ cup unsalted butter, softened • 2 large eggs • 1 cup sour cream • 1 ½ teaspoon baking soda • 1 teaspoon cinnamon • ½ teaspoon nutmeg • ½ teaspoon salt • 2 medium apples, peeled, cored and shredded

directions

Preheat oven to 350 degrees. Spray a 12-cup fluted Bundt pan with non-stick spray and set aside. In a large bowl, combine all ingredients except for the apples. Mix well with large spoon. In a small bowl, core and shred the apples until you have about 2/3 of a cup. Put into large bowl and combine thoroughly. Pour into Bundt pan and bake for 45-50 minutes, or until the coffeecake is turns brown and a toothpick inserted into the coffeecake comes out clean. Remove from oven and let it stay in the pan on a wire rack until cool.

Once the coffeecake is cooled, carefully remove the cake from the pan and enjoy! You can leave as is or sprinkle with powdered sugar. Makes 10-12 servings. Cover loosely with foil at store room temperature.

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!

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

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

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September 2015

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MYCOMMUNITY PHOTOS BY KALYNNE MCINTYRE

Chamber Mixer The Lansing Regional Chamber of Commerce hosted their monthly Member Mixer on Aug. 11 at Studio Two Architecture in Lansing. Attendants enjoyed drinks and appetizers while they caught up with other Chamber members about the happenings in the business community.

Alex Jones, Emily McPherson, Amanda Washburn, Tom Hamp, Keith Rouse and Chris Buck

Nicole Osgood-Badgero and Barbara Church

Patrick Dowdle and Keenan Wetzel

Tiffany Wahl and Bridget Sparks

Evan Winters and Tom Hamp

Mayor Virg Bernero and Neil Kane

Cameron Cochran and Shannon Fransen

Ashlee Willis and Melissa Meschke

PHOTOS BY MIKE FRANCE

James Johnston, Patty Valentine and Kurt Hanus

Connections & Coffee The Greater Lansing Business Monthly hosted its 3rd Quarter Connections and Coffee networking event on August 11, 2015. Members of the Lansing community met at the University Club in Lansing and spent an hour networking with their peers.

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Capital Area Women’s LifeStyle

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HOME COMFORT STARTS WITH THE MERIDIAN COMPANY

MERIDIAN

September 2015

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CAWLM.COM

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MYCOMMUNITY PHOTOS BY MARK WARNER

LifeTech Academy Open House

While attending LifeTech Academy you can complete school work while working with fun and interesting businesses that are geared towards your interests. On Thursday August 20, a giant party was held to learn about great opportunities.

Rob, Cipriano and Stacy Holmes

Matthew Anderson

Michael Koval, Jason Koval, Andrew Stoll and Chris Koval

Hamadi Lugeno and Omar Ali

Phil Zeller

(844) 207.0844 OR

(517) 230.0416 www.SynergyPhotoBooths.com

Mention this ad for $100 off your event in Oct., Nov. and Dec. 2015!

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Capital Area Women’s LifeStyle

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unique home furnishings and accessories

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East Lansing engagement welcomed by Farm Bureau Insurance; Jackson National Life Insurance Company; Mayberry Homes; Palmer Bush & Jensen Family Funeral Homes; Physicians Health Plan; and Portnoy and Tu, DDS, PC.

Financial Planning helps you retire on your terms Tanya Bliss is a licensed Financial Advisor through broker-dealer CUSO Financial Services, L.P. (“CFS”).* For over 25 years Tanya has concentrated on developing personalized investment and wealth management solutions for individuals and businesses.

Tanya specializes in: • Income options in retirement • IRA rollovers for 401(k)s, 403(b)s, and 457s • Retirement strategies • Pre-retirement management solutions • Group retirement and business succession planning

Tanya Bliss

Financial Advisor

Contact Tanya at 517-664-7827 to set up a complimentary consultation at an MSUFCU branch near you today.

(Need not be a member of MSUFCU to consult with Tanya.)

Mark Garrod is a licensed Financial Advisor through broker-dealer CUSO Financial Services, L.P. (“CFS”).* For over 25 years Mark has concentrated on developing, implementing, and monitoring customized financial plans and personal insurance solutions for his clients and their families.

Mark specializes in: • Retirement strategies • Income options in retirement • IRA rollovers for 401(k)s and 403(b)s • Pre-retirement management solutions

Mark Garrod

Financial Advisor

Contact Mark at 517-664-7817 to set up a complimentary consultation at an MSUFCU branch near you today.

(Need not be a member of MSUFCU to consult with Mark.)

Services Financial, retirement, and estate planning Income options in retirement Open architecture of managed money, annuities, and mutual funds Life, disability, and long-term care insurance

* Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to Credit Union members. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the Credit Union, and may involve investment risk including possible loss of principal.