Delaware Metro Woman

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Welcome to Delaware Metro Woman Magazine Why Choose Us

Delaware Metro Woman Magazine is created and published

by LaTannia Fair, a homegrown Delawarean. Our knowledge and specialty advertising techniques provide extraordinary opportunities to connect and gain new customers. Our goal is to showcase your business and highlight your expertise to increase client traffic and generate a steady flow of clients talking about your specific products or services offered.

Our Magazine

reaches thousands of women, Delaware families and business professionals. Call us today to discover why local businesses are using the Delaware Metro Woman Magazine for their preferred source of advertisement. Don’t hesitate contact us to have your business recognized as a leader in the Delaware market.

Happy Holidays!

LaTannia Fair, Publisher

Delaware Metro Woman Magazine 302-464-0505 de@metrowomanmag.com www.MetroWomanMag.com/DE P.O. Box 655 Bear, DE 19701 Facebook-Delaware Metro Woman Magazine Twitter-@demetrowomanmag Instagram-demetrowomanmag

Note from the Publisher:

Delaware Metro Woman Magazine makes every effort to provide accurate information in advertising and editorial content, however, it does not make any claim as to accuracy or information provided by advertisers or editorial contributors and accepts no responsibility or liability for inaccurate information.

All copy and information contained herein is not to be reproduced.

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HOW TO SAVE A LIFE Do you know someone who has type 2 diabetes, hypertension, anxiety, or high blood pressure, or you have it yourself, and want things to get better? Well, I’m going to talk about how to save a life.

someone that’ll also help reduce anxiety and fear.

The first thing is to see your doctor regularly, and take any medications he or she prescribes. The next thing is to ease into physical activity if you have been sedentary. You have to get used to moving. Walking, swimming, dancing, or even yoga are all good ways to get the body moving. Start with 10 minutes daily and slowly work up to 30 minutes daily.

Sarah Ban Breathnach once said “Life is not made up of minutes, hours, days, weeks, or years, Michael Shaw but of moments. You must experience each one before you can appreciate it.”

I believe that. Surround yourself with people who will help you do just that, and then get on with the business of living.

Having a support network is essential.

If you know someone who is suffering from any of these illnesses, spend time walking with them, or jogging, or going to the gym, or anything physical. It’s a crucial step in the right direction with

Michael Shaw is a certified fitness trainer, sports performance nutrition specialist, owner of Shaw LLC, a member of the Maryland Advisory Council on Physical Fitness, and a fitness and fashion model manager. He can be reached at www.michaelroyshaw.com.

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Business Spotlight

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10/16/2015 6:27:35 PM

Maximizing Credit Scores: The TIME Factor

By Janis Harlow, DMM, MBA

So what’s your number? Are you a 580? 840? Somewhere in between?

I’m talking about your FICO credit score, the most commonly used credit rating by those who loan money or have a need to check on how well you pay your bills. I used to think that if I paid my bills on time, my credit score should be perfect, but there is a lot more to it than that.

There are a number of factors used in your FICO score. The one I will discuss here is TIME. If you hold a credit card for 6 months, and someone else keeps an account open for 6 years, you will have a lower credit score, even if your on-time payment history is about the same. It can be difficult for young people to establish a credit rating simply because they have no track record.

This is because lenders have a hard time judging your reliability based only on a short time span. If you stop using any form of credit, your score will also begin to decline.

By the same token, if you have an old account that is not being used, it will hurt your credit score if you close it, because it will lower your average account age. Try not to close your oldest account, unless it is costing you in monthly fees. If you do have a lot of unused or costly accounts to close or consolidate, try to spread out the closures over time, or expect a ding to your score.

The TIME factor represents 15% of the makeup of your credit score.

In my next article, I will shed some light on payment strategies to boost your FICO rating. You can follow Paper Tigress Personal Finance Care on Twitter, @PaperTigress1, and Facebook as well.

Janis Harlow, DMM, MBA is CEO of Paper Tigress Personal Finance Care, LLC which provides Daily Money Management Services in Chester County, PA, and northern Delaware. She specializes in helping busy professional women and senior women to manage their finances and personal business, and is available for speaking. Contact Janis at www.papertigresspfc.com or call 484-727-8444.

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10/16/2015 6:28:21 PM

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Tabatha L. Castro, Esquire

GET THE SUPPORT YOU ARE ENTITLED TO UNDER THE LAW Are you a single parent who is struggling to make ends meet and not receiving the support for your children that you are entitled to? Are you raising your children without financial help from their non-custodial parent?

prepared to present pay stubs and tax returns to prove your income. The Family Court will also consider other factors, such as additional dependents you may have, in determining your child support award.

As the month of September was declared Child Support Month in the State of Delaware, I thought it appropriate to discuss the importance of receiving the child support benefits that you may be entitled to. Pursuant to Delaware law, Title 13 Delaware Code, Section 501, parents are required to support their children until the age of 18, unless still in high school, and then until the age of 19 or graduation from high school, whichever occurs first. If you are the custodial parent, meaning the children are residing in your home more than 50% of the time, then you are entitled to child support benefits from the other parent.

The calculation allows each parent to keep a minimum amount of income for their basic needs. Each child’s basic needs are taken into consideration before the parents may retain any additional income for themselves. The parties may always deviate from the child support calculation if it is determined to be in the best interest of the child.

The Family Court of the State of Delaware uses a Child Support Formula Calculation as a guide to determine how much support the custodial parent will receive. It gives you a general idea of what the support amount may be. It may not be the exact amount that the Family Court will order. It may be much higher or much lower because the Family Court will make the final decision based on the testimony presented at the mediation or hearing. You must be

If you need assistance with filing Petitions or Motions with the Family Court, the Division of Child Support Enforcement is a great resource.

They cannot provide legal advice, but they can help you begin the process of getting a child support award for your child. Do not allow a non-custodial parent to threaten or coerce you into not seeking the appropriate support for your children. The law is on your side.

For more information, you may contact the Family Court in New Castle County at 302.255.0300, Kent County 302.672.1026, Sussex County 302.855.7416 or the Division of Child Support Enforcement at 302.577.7171.

If you want more information regarding this article or have a legal question, please contact The Castro Firm, Inc. for attorneys who can assist you at 302.225.5700. Don’t forget to visit us at: www.thecastrofirm.com and our Divorce Blog at: www.delawaredivorceblog.com Please say “I found it in Delaware Metro Woman Magazine” Thanks!

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10/16/2015 6:28:51 PM

Dr. Patricia G. Contee Interim Director of Teacher Education University of Maryland Eastern Shore Princess Anne, Maryland 21853

Turn Holiday Stress to Holiday Success!

A new season brings much excitement, anxiety and for some depression as holidays are quickly approaching. To alleviate the stress plan accordingly.

If you realize that the holiday season creates stress for you, understanding your limitations will work in your favor.

If you will be shopping for the holidays, create a list of the items you are looking for and seek out the best deals. We are surrounded by diverse cultures and each one has different beliefs, values and ways of celebrating. At the end of the day, it is about the love we have for family and friends. Although you may think differently, it is not important to spend your last dollar on a gift for anyone. However, it is important to spend time with people you love, it is equally important to share with them how you appreciate them being a part of your life. It does not have to be a holiday to share precious moments with family and friends.

The stores are filled with decorations and gifts for the traditional holidays.

Remember only travel to familiar homes and areas, scan Halloween treats as a precaution for young treaters and remember to wear costumes that can be visible at night.

Thanksgiving is one of the most traveled holiday. Review the flight/ train/cruise schedules, purchase tickets 12

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early and plan to travel during nonpeak times. Christmas is a time when people exchange gifts among family and friends. When purchases are made ask for gift receipts so that exchanges are a smooth process for gifts needing to be returned.

For those that feel the holiday season brings stress, anxiety and depression seek counseling early to prevent overwhelming episodes. Find opportunities to reflect on positive experiences in your life, create tranquil moments and spend time with those that you enjoy. There is a growing number of people who experience periods of sadness for a variety of reasons over the holidays. No need to feel ashamed, you are not alone; there is someone to assist and they are just a phone call away. Mental health services are equally as important as any other condition within the body. Do not ignore warning signs with regard to your health.

Finally, whether you choose to celebrate with family and friends doing traditional or non-traditional activities, just remember to have fun and act responsibly.

Wishing you and your loved ones a joyous holiday season.

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10/16/2015 6:29:50 PM

Allison T Moore, The Prison Break Coach Are You Ready To Take An Extraordinary Leap In Your Life And Transform The World?

We all know that getting to the destination of our dreams requires taking consistent action steps and continually pushing forward. So why don’t we “just do it? ” Why do we procrastinate, remain complacent, become paralyzed, or shrink in fear? Why, even when we know what we should be doing or the steps that we need to be taking, do we get easily sidetracked, go unconscious, or function on automatic pilot?

Why? Our Handcuffs!

I know all too well about handcuffs. My own rise from being labeled a habitual offender to a prosperous entrepreneur deems me an expert on personal success.

I was born to teenage parents, ending up being adopted, and lived a life plagued with abuse, addiction and crime. I stood before a judge and was sentenced to 7 years in a maximum security prison. Today I am an author, certified life coach and successful entrepreneur. I relaunched a once failing mobile spa business that now operates in 11 US markets and I’m know as America’s Prison Break Coach.

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What if I told you that long before I entered through physical prison gates, I was in a mental prison of my own making; the self imposed prison of limitations and unfulfilled dreams? Are you in handcuffs and in a prison of your own making? Today I’m going to show you how to stage your very own ‘Prison Break’.

Prison Break Action Steps 1. Think about a goal you want to accomplish.

2. Ask to be shown or identify a characteristic, quality, or part of yourself that you need to integrate in order to achieve that goal.

3. In order to really cultivate that characteristic, ask yourself every morning for two to four weeks, “What action can I do today that will support me in really being that characteristic or owning that characteristic inside of me?”

4. Attend the TedX Wilmington event on October 28th and hear my inspiring story.

Register at www.tedxwilmingon.com 5. Sign up for a FREE 30 minute Prison Break Coaching Session and define a vision for your life, set challenging goals, create a plan of action and achieve something extraordinary! www.allisontmoore.com.

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November Events Holiday Shopping Bazaar: URU Uniforms, Fox Run Shopping Center. Event will include vendors, cash and go shopping and goodie bags. The first 25 guest will receive a free gift. We offer fashionable, desirable and affordable accessories. Dates: Saturdays in Nov. and Dec. 2015 Punkin Chunkin: Dover Delaware Dover International Speedway. Event will include fun activities, vendors, food and more. Dates: Nov. 6th thru Nov. 8th.

Delaware Antiques Show: Wilmington, De. Chase Center. Join us for the 52nd Annual Delaware Antique Show featuring top –flight dealers. Great place to buy antiques. Dates: Nov. 6th.

Rehoboth Beach Holiday Faire: Rehoboth Beach, De. Cockran Gallery. The fair includes handmade arts and crafts for holiday gift giving and decorating. Also Included is music, food, bake sale and raffle. Dates: Nov. 7th thru Nov. 8th.

2015 Fall Vendor and Craft Fair Fundraiser: Newark, De. McVey Elementary School. Annual Vendor and Craft Fair will be held just in time to get your holiday shopping done. Date: Nov. 13th.

Townsend Holiday Craft Fair: Townsend, De. Event is held by The Ladies Auxiliary of the Townsend Fire Co. Event includes a large variety of craft vendors, baked goods and lunch items. Date: Nov. 14th.

Wilmington Holiday and Vendor Fair: Wilmington, De. P.S. DuPont Middle School. The event will feature food, prizes and crafts for sale. Date: Nov. 20th.

Twelve Hours of Croppin’ Til you Drop: Newark, De. Ebenezer Church Hall. Coffee will be served all day, along with Bagels, Donuts or Muffins; Catered Lunch; Catered Dinner; Beverages, water and snacks all day. Also door prizes, raffles and vendors. Date: Nov. 21st.

Newark Holiday Art Market: Newark, De. 276 E Main St. Shop for holiday gifts created by local artists.

All sales benefit artist and the NAA. Date: Nov. 24th.

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