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February 2014


WHAT’S

Inside

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LETTER FROM THE EDITOR

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PUT YOURSELF BACK IN THE DRIVER’S SEAT OF YOUR DAY

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Tips on stretching your time to work for you.

10 REVIEWING YOUR BUSINESS INSURANCE PROGRAM Not every business does it, but every business should.

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16 LIFE INSURANCE Like 43 percent of women, are you underinsured?

17 MAGNESIUM – IT’S GOOD FOR YOUR HEART This common mineral may help reduce your risk of heart disease.

19 AAA AND U Abdominal aortic aneurysms: symptoms and preventative measures.

21 WOMEN TO WATCH New hires and promotions.

22 WHILE WE WERE OUT See what your colleagues have been up to!

23 MEET AND GREET Regional networking events and meetings.

5 COVER STORY Christine Wardrop has always been one to follow her career ambitions: first, as a teacher, and then taking the leap into the business world. She is now the president of Industrial Piping Systems in York, a business her father started in 1982. She believes in community service for herself and the company and rewards employees who volunteer their services.

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Woman BUSINESS

EDITOR’S

Note

career

lifestyle

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wellness

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connections

February 2014 Vol. 11 - No. 2 PRESIDENT AND PUBLISHER DONNA K. ANDERSON

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EDITORIAL

wonder if you’ve noticed how many of the women want to get started right away! who have been featured on the cover of Health is on everyone’s mind, and this month we would BusinessWoman over recent months have had be remiss not to bring heart health to the forefront. It is the careers in traditionally male fields. It is a No. 1 killer of women and affects many of the men in our testament to how women continue to expand lives. Learn how you can reduce your risk for heart disease their interests and are excelling in all types of professions. simply through a particular supplement. Way to go, ladies! Have you ever heard of an abdominal aortic aneurysm? It Did you make a New Year’s often doesn’t have symptoms resolution to get more organized? until it has ruptured. Learn How’s that working for you? Don’t more about this condition and give up. Read the article that gives if you should be concerned. Organization isn’t about perfection; it’s practical tips so you can be in The premiere Dauphin more control of your day. What County women’s expo will be about efficiency, reducing stress and could you do with an extra hour? held next month. We’re very Have you chosen the correct excited to bring this event to clutter, saving time and money, and insurances to protect all aspects of the Greater Harrisburg Area. your business? It may be time for Please check out page 12 for you to consider an insurance more information. Register improving your overall quality of life. audit. Find out what an insurance online to attend and get in free! ~ Christina Scalise audit is, who can perform an I hope you’ll also mark insurance audit, and what are your calendar to attend some of the situations where you POWERLUNCH York. We’re very may not be fully protected. excited to have Sylvia Helper, One thing about being cooped up inside all winter is that owner and president of Launching Lives, as the keynote we notice things around the house that might need a little speaker, and we are confident your life and career will be improvement. Now is the time to pull your thoughts enriched by her words. together and start making calls to professionals who can bring those ideas to fruition to your satisfaction. A special focus is included in this issue, which highlights some stylish Christianne Rupp kitchen designs as well as beautiful flooring options. You’ll Vice President and Managing Editor

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Please join us for these events! • Exhibitors • Health Screenings • Seminars • Entertainment • Door Prizes •

Vice President and Managing Editor CHRISTIANNE RUPP Editor

MEGAN JOYCE

Contributing Writers LEE DUSSINGER DENNIS GOODMAN, MD LYNDA HUDZICK MICHAEL R. KELLEY, ESQ. KAREN B. MECK LORI M. MYERS CARSON TATE

ART DEPARTMENT Production Coordinator Production Artist

JANYS CUFFE RENEE MCWILLIAMS

PRINT/ONLINE SALES Account Executives

Events Manager

KARLA BACK ANGIE JACOBY JILL HUBLER SUSAN KRIEGER RANEE SHAUB MILLER SUE RUGH KIMBERLY SHAFFER

Project Coordinator LOREN GOCHNAUER Sales & Event Coordinator

EILEEN CULP

ADMINISTRATION Business Manager

ELIZABETH DUVALL

ADVERTISING OFFICES Corporate Office:

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Cumberland & Dauphin County 717.770.0140 Lancaster, Lebanon & York County 717.285.1350 E-mail:

info@BusinessWomanPA.com

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~ February 2014 | BUSINESSWoman

For advertising information:

717-285-1350 or info@businesswomanpa.com www.businesswomanpa.com BusinessWoman is published monthly by On-Line Publishers, Inc., 3912 Abel Drive, Columbia, PA 17512, 717.285.1350. Copyright On-Line Publishers, Inc. 2014. All rights reserved. Reproduction or use without permission of editorial or graphic content in any manner is strictly prohibited. Views expressed in opinion stories, contributions, articles and letters are not necessarily the views of the Publisher. The appearance of advertisements for products or services does not constitute an endorsement of the particular product or service. Although every effort is made to ensure factual information, BusinessWoman cannot be held responsible for errors in contributors’ material, nor does the editorial material necessarily reflect the opinions of the publisher. On-Line Publishers, Inc. reserves the right to revise or reject any and all advertising. Subscription information: $14 per year for home delivery of 12 monthly issues. Subscribe online at www.BusinessWomanPA.com or call 717.285.1350. Member Of:


Story

COVER

CAREER

Never Say

Never By LYNDA HUDZICK

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s a child, Christine R. (Raub) Wardrop, now president of Industrial Piping Systems, always just knew she wanted to be a teacher and even forced her sisters and neighborhood kids to play school with her almost every day. Although the family business, Raub Supply Company, was a frequent topic of conversation around the dinner table, Wardrop never felt pressure to join the business. “My parents always encouraged my sisters and me to be independent and to get a good education and pursue our own career interests,” she said. So she followed her love of teaching, graduating from James Madison University in 1980 with a BS in special education, and went on to enjoy a 15-year teaching career. However, when her parents began planning for retirement in 1996, they asked Wardrop and her sisters if they were interested in owning and working in the business. “I grew up hearing about the business,” this Lancaster native and mother of two college students said. “My father started the current business, Industrial Piping Systems, in 1982. Previously he was president of Raub Supply Company, which was a multigenerational family business. I had worked at Raub Supply during college holidays, helping in the office and mail room. I never imagined going into the supply-house business as a career.”

Christine R. (Raub) Wardrop, president of Industrial Piping Systems.

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CAREER

She decided to leave teaching to “check out working in the business world,” Wardrop said. “I was surprised to discover that working in the business world was not all that different from working in a small, family-owned business—in the big picture, it all comes down to helping other people to grow and be successful.” When she began working full time at IPS, she jumped into it with both feet, learning all aspects of the business and, in 2006, became president of the company. “No two days are alike,” Wardrop said of her duties as company president. “Reviewing sales reports, answering benefit questions, working with sales on job pricing, making decisions about company expenditures, and training employees …” The list goes on and on. But her most important responsibility, she feels, is making sure that everyone is delivering excellent service to the customers. “Almost every day is a good day for me,” she said. “I enjoy the challenges of each day. The busier the day, the better for me. I work with a great group of people in a very family-oriented environment. As with teaching, I enjoy making a difference in someone else’s day or life. I continue to be very passionate about children—children and grandchildren of employees are encouraged to ‘visit’ the office on occasion.” And when these VIPs do visit, Wardrop enjoys interacting with them, asking about how school is going and what books they are reading.

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“I have attended sporting events of employees’ kids, encouraged jobshadowing opportunities, and supported fundraising and school or other extracurricular activities over the years. One of the lessons learned from my father is to ‘always take care of your employees.’” As president of Industrial Piping Systems, Wardrop works hard to maintain the overall strength and

But currently, she maintains that spirit of volunteering by serving on the board of directors for the PVF division of Affiliated Distributors, a buying and marketing group of which Industrial Piping Systems is a member. “I also act as a network chairman for that organization,” Wardrop said. “And currently, I serve on the York Division Advisory Board for Fulton Bank.”

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One of the lessons learned from my father is to ‘always take care of your employees.’

success of the company, and one of the ways she does that is to build relationships not only with her employees, supporting them in their daily functions and encouraging them to develop their job skills, but also in building relationships with business partners, customers, and suppliers. An excellent way of developing positive relationships with all those she comes in contact with is by giving back to her community. “During my children’s school-age years, I was very active volunteering with their activities,” Wardrop said. “Over the last year, I have been adjusting to life without kids at home—rediscovering me. I plan to find some new volunteer opportunities in 2014, probably something with literacy and kids.”

~ February 2014 | BUSINESSWoman

As far as IPS is concerned, this year they supported York Cultural Alliance, the York Christian School, and Jessica and Friends, and they also encouraged individual employees to support local communities too. “Employees can earn an extra day off with pay if they volunteer eight or more hours with an organization of their choice each year,” Wardrop said. “Year to date, about 50 percent of our employees have logged in excess of 500 hours of volunteer service.” Wardrop takes great pride in the way IPS is moving forward. They currently participate in a joint-venture business partnership with two other wholesale distribution companies: Schaedler Yesco Distribution and APR Supply Co. “The partnership was developed in

2006 with the purpose of finding ways to share resources, best practices, training opportunities, and branch locations,” she said. “The partnership has grown and is now a model for a program through Affiliated Distributors for distributors across the U.S. and Canada.” The company also received the Affiliated Distributor’s Spirit of Independence PVF Affiliate of the Year Award, which “recognizes excellence in performance, leadership, and marketing,” Wardrop said. And yet, Wardrop does admit that at times, being a woman in a maledominated business has been “interesting.” “I continue to be one of the few females involved in industry events, although that is slowly changing. But overall, I do not think that being a woman has created any real barriers in owning and operating IPS … “I also do not believe that being a woman has created any special benefits in owning and operating a business. I believe that regardless of gender, to be a success in any field, you need to work hard, operate with high moral principles, and pay attention to the details.” After having spent 15 years as an accomplished teacher and now successfully leading the company her father started all those years ago, Wardrop admits she is still learning every day and shares some of those life lessons. “Work hard but don’t make work your life,” she said. “Enjoy your family and friends … and always help others to succeed. That is far more rewarding than personal success.”


Put Yourself CAREER

Back in the Driver’s Seat of Your Day By CARSON TATE

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ow often have you thought, “If I only had one more hour, another colleague to support me, or less email to process, I could take a deep breath, get caught up, and not work on the weekend”? Or if you only had a magic wand and could add a few more minutes—no, more hours—to your day, and then you would be able to get control. In today’s overwhelming, overstretched, overscheduled world, we feel like we are constantly reacting and are not really in control of our days. So, how can you put yourself back in the driver’s seat of your day? Stretch the hours that you do have and make those minutes work for you. Batch or group like tasks. Batching or grouping like tasks increases your efficiency without any extra effort on your part. For example, make all of your phone calls at one time, process your email at one time, or review project proposals from vendors. Switching between disparate tasks is highly inefficient because it takes our brains so long to reengage with the task we switched from and to remember what we were actually doing. Work on the same type of project or task and increase your output.

Consider working in vacation mode even if you are not going on a vacation by creating hard stops to your workday. For example, schedule a fun activity after work that has a hard start time: a movie, a play, or a sporting event. Watch what happens to your productivity during the day. Create a stop-doing list. As your responsibilities continue to expand at work, you keep adding tasks and projects to your to-do list. But, you never take anything off of the list. Take a hard, critical look at your projects and tasks and ask yourself if each project is still relevant, directly tied to the organization’s strategic goals, and has a significant return on time investment. There are probably a few tasks and projects lurking on your list that need to be moved to the stop-doing list. No one is going to miss them.

Work in vacation mode. Have you ever noticed what happens before a vacation? Your inbox is magically cleaned out, projects are wrapped up, and your desk is cleared off. I call this the vacation phenomenon. The vacation is a hard deadline. You are going to be on a sandy beach holding a drink with an umbrella in it on Saturday afternoon. As a result, you have to get the work done before you go. BusinessWomanPA.com

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CAREER

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Camp Hill: 717.730.984 • York: 717.718.1414

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www.launchinglives.biz • 717-761-5457 8

~ February 2014 | BUSINESSWoman

Decide what is good enough and stop. Do you know what good-enough is for each of the projects on your list? This is good enough for the organization and good enough for you. Over-thinking, over-editing, and over-tweaking wastes valuable time and is not necessary. Do good work and then stop. Multitask with caution. Our brains cannot perform two tasks at the same time well. How often have you been on a conference call, and maybe it drags on a bit, so you decide to check email? You begin processing email and then you hear your name being called. Oh no! You have no idea what was just said. If you must multitask, be very cognizant of the trade-off that you are making. Stop fighting nature. Our brains are hardwired to function in very specific ways. So, no matter how much you try or wish for your brain to function differently, it will not. According to David Rock, a neuroscientist, your capacity to make decisions and solve problems is limited by your energy-hungry prefrontal cortex. There is a limit to how much information can be held in the mind and manipulated at any one time. Don’t ask your brain to remember the 15 items you need at the grocery store, your schedule for next week, and your ideas for your new project at work. It is not wired to function this way. Use a task list. It is ultimately more efficient and it enables your brain to do what it does best: think about things, not of things. Make your technology work for you, not against you. Today’s technology is powerful— very powerful. However, we often abdicate our own power when we are working with technology. We let it guide and direct us. It pings, dings, or rings, and we jump. Turn off the technology so you can focus and complete work. Leverage all of the technology tools

“” Make your time work for you,

not against you.

available to you in your email program by writing rules, colorcoding incoming emails, and autofiling messages. Take back control and make your technology do all of the heavy lifting. Get back in the driver’s seat of your day by making your time work for you, not against you. Leverage the natural efficiencies that can be gained by completing work in groups. Set and adhere to hard stops in your workday. Remove tasks and projects from your to-do list that are no longer aligned to your goals nor your organization’s goals. Know what good-enough looks like for you, and then stop when you reach good enough. Multitask with caution. Stop fighting nature. Make your technology work for you, not against you. Stretch your time today and enjoy your extra minutes! What are you going to do today to take back control of your day? • Carson Tate is the founder of Working Simply, a management-consulting firm with a mission to improve corporate agility, employee engagement, and productivity and effectiveness. www.workingsimply.com


CAREER

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Reviewing Your

Business Insurance Program:

T

Not Every Business Does It, but Every Business Should

By MICHAEL R. KELLEY, ESQ.

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n effective insurance program is vital for every business. But how much coverage do you need? Are there holes in your coverage? How can you save money on insurance premiums? An insurance audit or review can answer your insurance questions. What Is an Insurance Audit or Review? An insurance review or audit is an examination of your business’s liabilities and insurance policies performed by a professional who is knowledgeable with regard to both. Members of McNees Wallace & Nurick LLC’s Insurance Recovery and Counseling Group regularly perform insurance reviews and audits. We break the process down into two different scopes of review: 1. An insurance audit involves a physical examination of your business facilities and operations, along with a review of your risks and insurance policies. 2. An insurance review is limited to a paper review of your risks and business insurance coverages. Who Performs an Insurance Review/Audit? There are three types of professionals who perform insurance audits or reviews: Insurance Broker. The advantage of having your broker perform the audit is that she is likely familiar with your business, knowledgeable about insurance programs available in the marketplace, and is usually willing to perform the review or audit for free or a nominal amount.

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The disadvantage is that a broker earns her income through selling insurance coverages, so there is the incentive to sell you additional coverages. Your broker also may not advise you about how much coverage to buy because that is outside of the scope of her expertise. Insurance Consultant. An insurance consultant is usually a person with a background in the insurance industry, such as a former broker or insurance-company representative, who will perform the audit for a fee. The advantages of the consultant are that she has significant insurance knowledge and is not looking to sell you more insurance. The disadvantages are that she is

~ February 2014 | BUSINESSWoman

likely not as knowledgeable about your business as your current broker, she charges a fee, and she may lack the legal background necessary to advise you about liabilities that you face from claims and lawsuits. Insurance-Coverage Lawyer. The insurance-coverage lawyer who performs an audit or review has a professional duty to look out for your interests, is not interested in selling you additional insurance, and should have firsthand legal experience in dealing with the risks that businesses face. A disadvantage in hiring the insurance-coverage lawyer is cost. Also, because the lawyer is not in the business of selling insurance, she may not be as knowledgeable about current

insurance products available in the marketplace. How Does the Insurance Audit/Review Work? In our practice, an insurance audit/review starts with an initial meeting or phone conference to discuss your business and your insurance or risk-management concerns. We then send you an insurance audit/review checklist, which asks you to provide as much of the following information as possible: a summary description of your business organization, all insurance policies and endorsements that we are to review, all policy declarations in effect, any summaries of coverage prepared by


specific risks and coverage concerns that are not necessarily shared by most business entities.

your insurance company or broker, and your company’s claims history for the past five years. If you request an insurance audit, we physically meet with you at your facility. The purpose of this is to better understand your potential risks and liabilities. After reviewing your information, a written memorandum is prepared summarizing all of your insurance coverages and the liabilities that you

What Are Some Hot Insurance Coverages and Liabilities? The overwhelming majority of business enterprises have coverage for commercial liability, commercial property, and workers’ compensation. But what are some hot issues and coverages? Employment Practices Liability (EPL). This coverage protects against claims by prospective, current, and former employees who allege some wrongful conduct in the employment relationship. Employment claims are a fast-growing area of litigation. More than 60 percent of businesses now have EPL coverage. Cyber Liability. This coverage protects you from hackers who gain unauthorized access to your electronic or non-electronic data containing

information on your customers, such as credit-card numbers and Social Security numbers. Directors & Officers Liability (D&O). If your business has a board of directors or you sit on the board of directors of a profit or not-for-profit entity, your decision making could be challenged by a third party through litigation. D&O covers this liability. Telecommuting. If your business allows personnel to work remotely from their homes, there are a number of insurance issues raised by this arrangement. Are these personnel considered employees or independent contractors? The difference could determine whether they are covered by your workers’ compensation policy. Are there liability concerns within their residence? Have you discussed with your broker or company a potential liability claim arising from an employee’s residence? Your liability insurer may not consider your employee’s home covered under its commercial liability policy.

These are just a few of the insurance coverage and risk issues facing businesses. But keep in mind that every business is unique. Your business may have specific risks and coverage concerns that are not necessarily shared by most business entities. An insurance audit or review is particularly helpful in addressing these specialized concerns. How Often Should I Have an Insurance Audit or Review? Most businesses should have an insurance review or audit conducted every two to three years. If your business has experienced particular growth in revenues, locations, or employees, an insurance audit or review should be conducted more often. • Michael R. Kelley, Esquire, is the chair of the McNees Wallace & Nurick LLC Insurance Recovery and Counseling Group, based in Harrisburg, Pa. Kelley represents business, professional, and organizational insurance policyholders. www.mwn.com

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Your business may have

face, making recommendations to close any loopholes in your coverage and save money on insurance premiums, and advising you as to the scope and amount of insurance coverage you should have.


Premiere Event in Dauphin County

omen’s Expo

March 22, 2014 9 a.m. – 3 p.m. Hershey Lodge 325 University Drive Hershey

Let’s Meet at the Corner of Chocolate and University By Christianne Rupp We are very excited to bring the women’s expo to the Greater Harrisburg Area. Although this is the first Dauphin County women’s expo, thousands of women have enjoyed them in Cumberland, Lancaster, and Lebanon counties already. The business community has shown a lot of interest, which will allow us the opportunity to present a wide variety of exhibitors to greet you. They will be eager to update you on their latest products and services for just about every aspect of your life—beauty, finances, health and wellness, home, nutrition, leisure activities, finances, and more. And all in a relaxed atmosphere. Just as the interests of women are varied, so are the demonstrations. Although some details are still being finalized, here is a sneak peek at some of what’s on tap. Head to Toe Boutique from Annville will be taking the stage to strut the latest in 2014 fashion trends. Starting with jackets and moving on to casual and evening wear, you will see the newest styles from Joseph Ribkoff, Frank Lyman, Erin London, Berek, IC Collections, Vocal, and others. Michelle Wohlfarth, certified integrative nutrition coach and owner of Healthy Living Kitchen, will talk about the health benefits of different foods. She will also be showing us how to prepare a quick and crunchy Detox salad for spring: celery root salad. Sounds yummy! If you’re like me, I’m excited about the spring planting season that’s just around the corner. Linda Stuart, Certified Master Gardener and greenhouse sales specialist at Stauffers of Kissel Hill, will demonstrate how to use thrillers, fillers, and spillers to transform your container garden from ordinary to amazing. She’s also going to give us some tips on growing vegetables or herbs in containers. You may even be the winner of the container garden that she designs.

Ever wonder what your handwriting says about you? Mitzi Jones, who analyzes handwriting, will talk about different nuances of handwriting. She’ll provide insight and answers questions. Come and learn a little about your personality. And plan to do some shopping that day. Mother’s Day won’t be long off and vendors will be offering an array of the things we women love, including jewelry, handbags, cosmetics and skin care, home décor, and fashions. PinnacleHealth, our Health & Wellness Sponsor, will have a designated area at the women’s expo, where members of their staff will not only be offering healthy living information, but will also be available to answer your questions on a range of health issues. They will also be offering health screenings, including body-type analysis screenings and bone density screenings. And last but certainly not least, we’ll finish off the day with the Hula Hoop Contest. If you’re the top winner, you’ll be taking home $100 in cash! That’s right. We’ll provide the hula hoops, you provide the entertainment. So get those hips movin’ and groovin’ now so you can be ready to spin your way to a prize. Other sponsors for the day’s event are CBS 21 and Tanger Outlets in Hershey. Throughout the day you’ll be able to unwind while enjoying mini spa treatments. Never had a mini massage? Take advantage of this soothing pleasure; it’s free and you’ll love it!

All women who love to have fun and would like to spend some time at an event designed just for them are specially invited to the premier Dauphin County women’s expo. Please go to aGreatWayToSpendMyDay.com today and register for your free entry ticket ($5 at the door).

FREE advance guest registration online. ($5 at the door.)

Talk to us about sponsor and exhibitor opportunities!

a G r e a t W a y To S p e n d M y D a y . c o m For more information call 717.285.1350, or email info@agreatwaytospendmyday.com.


Blending Personality with Functionality By MEGAN JOYCE

WW

hen Brian and Carol Cohen of Camp Hill considered their options for remodeling their kitchen in early 2013, it quickly became apparent to them that a piecemeal renovation wouldn’t be a smart choice. “This was a spec home when we bought it 20 years ago … although it’s a great house, things are not where I would have liked them,” Carol Cohen said. “All the appliances were going, the floor was going—it was all going. We decided we were not going to replace piece by piece. We said, ‘Let’s just do it.’ “This is a Colonial home, and we decided to bring it back to its Colonial feeling.” Cohen’s primary complaint about her kitchen was its island’s lack of functionality. Her gas stovetop and oven were part of the island, which made it an unsuitable place to seat children as well as a limited workspace. The Cohens hired Deimler & Sons Construction in Harrisburg for the renovation after a happy neighbor’s recommendation. “The existing kitchen structure remained (the walls), but other than the framing, we gutted everything back to the studs, and we did a complete reorganization of where things were located in the kitchen and put all new products in,” said Craig Deimler, president. Cohen said that although Deimler’s bid wasn’t the cheapest, they felt confident the job would be done to their satisfaction and that any problems that arose would be taken care of quickly.

This traditional-style kitchen’s features include a custom drawer base for the sink cabinet (on right) and large pot drawers below the cooktop. The custom tile accent piece accentuates a hammered black commercial hood.

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Deimler said their initial meeting with a client covers the client’s likes and dislikes of their current space; how they use the kitchen; how they entertain; and what their future needs might be as family dynamics change and the owners age. Storage, too, is always a concern. A preliminary layout and budget is then refined with the clients’ input, after which the clients are taken shopping to select final finishes. This, Deimler said, is when they furnish a final project estimate, which is broken down into the major phases of construction: cabinetry and countertops, flooring, plumbing, installation, etc. “That way, they can see where they are spending their money,” Deimler said. “It allows them to say, ‘We really don’t want to invest that much in a certain area—what are our options?’ And then we can help them select different materials to keep it more in line with their expectations.” Deimler said he and his staff are aware of the inconvenience they will be causing the family during the renovation, which, for kitchens, usually lasts between four and eight weeks. “We had done an addition to our house 17 years ago, so we knew now what we didn’t want to have happen,” Cohen said. “We talked about it [with Deimler] and he understood where we were coming from, and he was very easy to work with.” Deimler advises families considering a kitchen overhaul to evaluate their options for meals. Will they go out to eat? How will that affect the overall project budget? He noted that many clients do renovations in the spring, summer, and fall so they can grill outside to keep meal costs down. “Whenever possible, we create a makeshift kitchen of a refrigerator, microwave, and sink so that they can semi-function while they are without their kitchen,” said Deimler. The Cohens were unable to reuse their original cherry cabinetry as they’d originally hoped, so they chose to donate it to Habitat for Humanity. “They went crazy. They were so excited,” Cohen laughed. “Which was

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great; it made us feel fabulous.” Instead, they selected soft maple cabinetry with a custom cherry stain from Heirloom Cabinetry in Mifflintown. Barry Hildebrand, custom design and salesman, said he and his clients compare different wooden samples and stain colors with their chosen tile and countertop to make sure nothing clashes or contrasts too sharply. Hildebrand shows the client a digital design with door styles for their approval, and together they go through cabinet by cabinet, making sure the clients can put away all their belongings. “Once the design is complete and meets with their approval, then I take the time to price it all out; that way, I’m pricing exactly what they have chosen,” Hildebrand said. “After all, it’s their kitchen, not ours. I’ll make suggestions when [clients] make requests … but still, the final decision is theirs.” “The cabinetry people came up with some ideas that had never been done, and when we finally figured out how to do it, it came out beautifully,” Cohen said. Cohen was thrilled that Heirloom Cabinetry worked with her to create a rolling buffet from one of their old cabinets and that her new cabinets have “the ease of use that was really important to me as we age within this large home.” She was eager to replace her Congoleum countertops and did so with granite called Bordeaux River from Lesher Natural Stone, Quartz, & Tile in Middletown. Mary Jane Herr, project manager at Lesher, said they often like to see the selected cabinetry so they can pair it with granites that include complementary color tones. “The island is fabulous. I love the granite we picked,” said Cohen. And she finally has the large, functional countertops she always wanted, clear of clutter. Her two favorite features in her new kitchen are simple pleasures: The microwave is located in a drawer that’s built into the cabinetry under the island—so it takes up no counter space. Plus, under the gas range top is a 3-inch-deep drawer that houses all the spatulas and cooking tools that


Every modern convenience in a tight space can be  found in this painted and glazed kitchen. The bead board and full-height granite backsplash and sidesplash beside the induction cooktop help disguise the fact that this kitchen used to be a 'black hole.

 'This white-stained maple kitchen replaces a 1970s dark pine kitchen. The custom unit on the left allows for a hutch on the dining room side (beyond the raised island) and a functioning appliance garage and pantry on the kitchen side.

An overall view of the picture on page ah2,  this traditional-style custom kitchen with large island features a warming drawer below the double ovens and a microwave drawer in the island.

normally need to be corralled in a countertop container. The flooring and backsplash were provided by Essis & Sons Carpet One in Mechanicsburg. Cohen was grateful for the input of Joe Essis, co-owner, as she struggled to select flooring. “I had a general idea. I knew we wanted porcelain tile because it is so hard,” she said. “[Essis] suggested the larger, 20-inch square because it’s a very big room and there would be fewer grout lines, and it would increase the flow. He was so right.” Cohen and Essis also put their heads together in designing the backsplash. They ended up going with a tan tile with a marbled effect. Small, wrought-iron medallions were interspersed throughout the entire backsplash and culminated in a pattern under the range hood. Deimler urged homeowners

considering a kitchen renovation to do their research. The kitchen is one of the most expensive rooms to remodel, and there can be huge swings in pricing simply based upon the materials selected, he advised. Ask questions when comparing estimates, and do not make the decision based on price alone. Ensure that all materials are ordered and in stock prior to construction, which, Deimler added, will minimize the chances for cost overruns. And, expect at least a bit of the unexpected. “Always allow room in your budget for unforeseen items if you are reorganizing the location of things,” he said. “Keep an extra 5 percent of the budget off to the side for these items.” After 20 years in a kitchen that never quite felt like hers, Cohen marveled that she is left with just one

very good problem to have: “I have more storage than I know what to do with.” “Our process is focused on the

client and their needs,” Deimler said. “We can make anything look great. But if it doesn’t function well, why spend the money?”

• Third generation family business, owner operated • • Serving Lancaster and York for 18 years • • Associated with quality crafted installers •

• Beautiful showroom featuring: Porcelain tile • Hardwood • Luxury Vinyl • Carpeting Lancaster Showroom 2950 Old Tree Drive, Lancaster, PA 17603 • (717) 390-9050

w w w. To T h e Tr a d e s F l o o r i n g . c o m BusinessWomanPA.com

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Above: Anderson hand-scraped wood floor plank.

Right, from top: Marazzi Archaeology porcelain tile shower; Marazzi Archaeology porcelain tile whirlpool encasement, decorative backsplash, and floor; Marazzi’s American Heritage Collection porcelain tile in a wood look.

Flooring Possibilities and the Modern Homeowner

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beautiful floor will be a home’s showpiece, setting the foundation for any inspirational home project. The last few years have represented something of a renaissance for the home-flooring industry; there have never been more options for individual products or a wider range of statements that can be made through their use. “There are so many exciting options out there, more than there have ever been in the past 20 years,” Elmer Stoltzfus, owner of Heritage Floors in Lancaster County, says. “There is no limit to what you can do with a great floor.” Genuine wood flooring is the most luxurious option and a rightfully popular one. The natural hues of wood and rich color presented in a design are strong yet subtle. Anderson flooring represents the

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By LEE DUSSINGER

industry leader in authentic wood for the South-Central Pennsylvania region. An American-made brand, Anderson floors offers both traditional options and a manually produced “hand-scraped” wood style. In contrast to other machine-made, glossy wood merchandise, Anderson’s “hand-scraped” pieces are created using antique carpentry techniques, which give the final product a desirable, rustic appearance. Rustic styling is especially popular in this region. Even contemporary homes look beautiful when fitted with hand-scraped floors that reflect the area’s frontier homestead history. This aesthetic can be achieved with either light or dark shades, using natural wood or tile printed to resemble wood. The organic imperfections seen in hand-scraped wood flooring contribute to this rustic sense, as do

| BUSINESSWoman

the authentic methods used in its production. Innovation has brought vinyl and porcelain tile to the forefront of the home-flooring industry. Advanced digital-printing technology allows manufacturers to incorporate the visual qualities of authentic wood or slate on affordable, long-lasting material. This marriage of practicality and distinct appearance has rapidly made vinyl and porcelain tile supreme favorites. Congoleum, a manufacturer of vinyl tile, leapt to prominence with the invention of Scotchgard Protector. Tiles equipped with Scotchgard Protector are nearly impervious to household damage and require only the most basic cleaning measures. A permanent marker’s ink will disappear with the use of a cleaning cloth. “The Scotchgard Protector is really a game changer,” Stoltzfus says. “All I

have to do is a simple demonstration, and it sells itself.” Carpet is still a highly popular option due to its affordability and comfort factor. In spite of the increasing prominence of other materials, carpet remains the preferred choice for the bedrooms of the home. Regardless of make or material, simplicity reigns in contemporary flooring. Neutral tones are more popular than bold colors. Subtle but attractive floors of any material often segue the homeowner’s attention to more vibrant walls and colorful furniture. In these cases, the floor sets the tone for the entire room. As a homeowner, selecting a floor can be overwhelming as flooring options seem endless. It is safe to say, however, that whichever flooring you settle on will be key to the overall design in your home.


Showroom hours: Mon. - Fri. 10-5 • Sat 10-2

Call us at 717-354-2233 1064 East Main St. (Rt. 23) New Holland, PA www.HeritageDesignInteriors.com

Professional Cleaning Services SPECIALIZING IN: • Valances/Draperies

• Carpet & Upholstery

• Bed Ensembles • Floral Designs • Blinds/Shades/ Shutters • Accessories/Lamps • Art/Mirrors

• Ceramic Tile & Grout •Marble, Granite, & Wood Floor Rejuvenation

• Color/Design Consulting for New Construction & Renovation • Consultations for Paint Colors, Furniture & Floor Selection

717-761-4444 www.gelcopa.com

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CAREER

S

everal times last year our area was inundated by heavy amounts of rain, causing disaster for some businesses. Were you prepared? Did you have the right type of insurance to get your business back in business? Do you know the SBA provides disaster recovery and disaster assistance? When disaster strikes and you have experienced damage to your business, know the types of assistance available from the SBA so that your business or nonprofit organization can take advantage of assistance programs and loans already in place. If you are in a declared disaster area and have experienced damage to your business, you may be eligible for financial assistance from the SBA. Businesses of any size and most private nonprofit organizations may apply to the SBA for a loan to recover after a disaster. Loan Amounts and Use SBA makes physical disaster loans of up to $2 million to qualified businesses or most private nonprofit organizations. These loan proceeds may be used for the repair or replacement of the following:

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If you are in a declared disaster area and have experienced damage to your business, you may be eligible for financial assistance from the SBA.

• • • • • •

Real property Machinery Equipment Fixtures Inventory Leasehold improvements

The SBA Business Physical Disaster Loan covers disaster losses not fully covered by insurance. If you are required to apply insurance proceeds to an outstanding mortgage on the damaged property, you can include that amount in your disaster-loan application. If you make improvements that help reduce the risk of future property damage caused by a similar disaster, you may be eligible for up to a 20 percent loan-amount increase above the real-estate damage, as verified by the SBA.

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You may not use the disaster loan to upgrade or expand a business, except as required by building codes. Eligibility and Terms A business of any size or most private nonprofit organizations that are located in a declared disaster area and have incurred damage during the disaster may apply for a loan to help replace damaged property or restore its pre-disaster condition. The interest rate will not exceed 4 percent if you cannot obtain credit elsewhere. For businesses and nonprofit organizations with credit available elsewhere, the interest rate will not exceed 8 percent. SBA determines whether the applicant has credit available

elsewhere. Repayment terms can be up to 30 years, depending on your ability to repay the loan. How to Apply You can apply online for an SBA disaster-assistance loan. SBA will send an inspector to estimate the cost of your damage once you have completed and returned your loan application. You must submit the completed loan application and a signed and dated IRS form 8821 giving permission for the IRS to provide SBA your tax return information. For additional information, contact the SBA disaster assistance customer service at 800.659.2955 (TTY: 800.877.8339) or email disastercustomerservice@sba.gov. Military Reservists Economic Injury Loans The Military Reservist Economic Injury Disaster Loan (MREIDL) provides funds to help an eligible small business meet its ordinary and necessary operating expenses that it could have met but is unable to because an essential employee was called up to active duty in his or her role as a military reservist.


Loan Amounts and Use The maximum MREIDL loan amount is $2 million. The amount of each loan is limited to the actual economic injury as calculated by SBA. The amount is also limited by business interruption insurance and whether the business and/or its owners have sufficient funds to operate. If a business is a major source of employment, SBA has authority to waive the $2 million statutory limit. The purpose of MREIDL loans is not to cover lost income or lost profits. MREIDL funds cannot be used in lieu of regular commercial debt, to refinance long-term debt, or to expand the business.

LIFESTYLE

Eligibility and Terms Businesses with the financial capacity to fund their own recovery are not eligible for MREIDL assistance. Federal law requires the SBA to determine whether a business has credit available elsewhere— that is, if credit in an amount needed to accomplish full recovery is available from non-government sources without creating an undue financial hardship. The filing period for MREIDL assistance begins on the date the essential employee receives a notice of expected call-up and ends one year after the essential employee is discharged or released from active duty. Collateral is required for all MREIDL loans more than $50,000. SBA accepts real estate as collateral when it is available. SBA will not decline a loan for lack of collateral but will require the borrower to pledge collateral that is available. The MREIDL interest rate is 4 percent and has loan repayment terms up to 30 years. SBA determines the term of each loan in accordance with the borrower’s ability to repay. How to Apply You can apply online for an SBA MREIDL. You must submit the completed loan application and a signed and dated IRS form 8821 giving permission for the IRS to provide SBA your tax return information. For additional information, please contact the SBA disaster assistance customer service center. Call 800.659.2955 (TTY: 800.877.8339) or email disastercustomerservice@sba.gov. Source: U.S. Small Business Administration. www.sba.gov

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LIFESTYLE

– Are You Underinsured?

By KAREN B. MECK

Women now make up 49 percent of the workforce and yet, unlike men, they are underinsured or have no life insurance. Forty-three percent of women will risk their family’s financial security by not having life insurance.

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ife-insurance ownership among women has not kept pace with their increasing presence in executive-level positions. With economic influence comes greater responsibility, and, therefore, it is imperative for women to protect their future. The great news is that life insurance is very affordable. It may be utilized in several ways to serve a variety of purposes. Here are just some of the benefits of life insurance. Provides a Source of Income to Pay Expenses Life insurance can replace some or all of one’s income should death occur. It can cover the cost of funeral expenses and pay off debts as well as daily expenses. Examples include food, clothing, and mortgage payments. Serves as a Source of Long-Term Income Life insurance can pay for a child’s college education or serve as a source of retirement income using the cash values in the contract. Depending on the type of policy, you can take loans or withdrawals from the policy to assist with a lifechanging event, such as purchasing a home, paying for a wedding, starting a family, obtaining an advanced degree, starting a business, or supporting aging parents.

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Provides an Opportunity to Leave a Legacy Life insurance may be utilized to create a financial legacy for your children, spouse, business partner, or a charity. Offers Tax Benefits Most permanent life-insurance policies that accumulate cash values can offer certain tax benefits depending on the structure of the lifeinsurance contract. No Federal Income Tax – As the cash value accumulates on the policy, it is not subject to current federal income taxation. As a general rule, loans are treated as debts, not taxable distributions, if structured properly. This can give you access to the cash values on a tax-advantaged basis. Once the policy has accumulated a sizeable amount of cash value, it can be borrowed against to help supplement your financial needs. Depending on several factors, you may or may not pay income tax on the gain. Keep in mind that loans are charged interest and reduce the death benefit and cash value. If a policy lapses or is surrendered with an outstanding loan, a portion may be taxable. There are certain lifeinsurance policies that are subject to different tax laws. No Estate Tax – You can avoid potential estate taxes on life-insurance death benefits by transferring ownership of a policy to a trust more

~ February 2014 | BUSINESSWoman

than three years prior to your death.

if the interest rate is low, but the money should be available for your heirs.

How much should you have? The biggest myth with life insurance is that it is costly. Eighty-six percent of the population says they haven’t bought life insurance because it’s too expensive, yet they overestimate its true cost by two times.2 When purchasing life insurance, the question really isn’t how much you need, but how much capital your family will need at the time of death to meet obligations and how much future income is needed to sustain the household. It is important to assess whether you need extra coverage or even a different policy after projecting the amount of life insurance you may need. In order to project the amount of life insurance you may require given your personal circumstances, it is important to consider these four categories:

3. Education Expenses College costs can be difficult to calculate. You will need to consider the cost of college at the time your children may enroll. College tuition has been rising approximately 5 percent per year. It would be advantageous to do some research for current college tuition costs, whether you want to account for all or a portion of the expense.

1. Final Expenses A funeral, burial, and related expenses may cost $10,000 to $25,000. Beneficiaries may receive tax-free proceeds from life insurance faster if they waited for assets to be sold from your estate. 2. Mortgages and Other Debt Obligations It is crucial to include your total mortgage balance, car loans, student loans, credit card balances, and any other debts that would be a burden to your survivors. They may choose not to pay off the mortgage, especially

4. Income Replacement You do not need to cover 100 percent of your income. However, it is essential to cover at least 75 percent of your current pre-tax annual income until retirement. No amount of money can ever replace a person. But more than anything, life insurance can help provide protection for the uncertainties in life. Without a doubt, having life-insurance coverage will bring you and your family peace of mind. Life insurance protects your heirs from the unknown and helps them through an otherwise difficult time of loss. 2 Source: LIMRA and LIFE Foundation, 2013 Insurance Barometer Study

Karen B. Meck, MT, is the president and CEO of KBM Consulting, LLC, a consulting and insurance advisory firm helping clients with tax planning and life insurance wealth strategies. kbmconsultingllc.com


Magnesium –

It’s Good for Your Heart

By DR. DENNIS GOODMAN

As a professional woman, you may face an even greater risk for America’s No. 1 killer, heart disease. One of the nation’s top cardiologists tells how you can reduce that risk by perhaps 25 percent or more—-with one effortless step.

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she went through a heartbreaking divorce. Her anxiety levels, along with her blood pressure, spiked. “I’m a very responsible person,” Nicholson says. “No matter what’s going on in my personal life, I don’t let it carry over to my clients or my kids. I keep my promises to everyone who puts their trust in me.” That kind of stress is not only a leading cause of heart disease, but it’s also a leading cause of magnesium deficiency, a condition that now affects 80 percent of all Americans. It’s no coincidence that low magnesium levels are directly related to an increase in heart disease; and conversely, high magnesium levels are directly related to improved heart health. In fact, a 2010 article in the American Journal of Clinical Nutrition analyzed data of more than 88,000 women and found that those with the highest magnesium intake had a 37 percent lower risk of dying from sudden cardiac death. Magnesium is one of the most important minerals in our bodies. It’s required for 350 enzyme systems, including converting ADP to ATP, the body’s fuel supply, similar to the gas in your car. Simply put, we need ATP to create muscle action (including the beating of our hearts) and we need magnesium to create ATP.

Stress produces adrenaline. When adrenaline increases, our hearts beat faster and we need even more energy. If we don’t have enough magnesium, we won’t have enough ATP, and our hearts will suffer. Common Signs of Magnesium Deficiency Some of the more common symptoms of magnesium deficiency include: fatigue, muscle cramps, numbness and tingling, bowel dysfunction, palpitations, headache, weakness, loss of appetite, nausea, and insomnia. While a deficiency is easy to fix, if left untreated, you could have significant problems down the road, including increased risk for anxiety, depression, diabetes, obesity, migraines, high blood pressure, and, of course, heart disease. How to Tell if You’re Magnesium Deficient The common signs of magnesium deficiency are indications that you might be deficient. But ultimately you’ll want to talk to your doctor and ask him or her to test you. I do a blood test called an RBC-Mg (red blood cell magnesium) test on all my patients. I like to see a level of 5.5 mg/dl—anything below that, I consider suboptimal. Alarmingly, but consistent with statistics from the World Health Organization, I find most of my patients to be magnesium deficient.

How to Increase Your Magnesium Levels Magnesium is found in leafy, green vegetables. It’s also found in such foods as avocado, flax and pumpkin seeds, seaweed, almond butter, and unsweetened cocoa powder and in spices like basil and coriander leaf. Ironically, you could eat all these foods and still be magnesium deficient. That’s because the levels of magnesium in food is dependent on the levels of magnesium in the soil where that food was grown. Unfortunately, much of our soil has been depleted of magnesium due to commercial farming practices. That’s why I recommend organic foods or foods grown in local gardens. If You Realize You Need to Supplement There are a wide variety of supplements on the market. You should be aware that there is no such thing as a 100 percent magnesium supplement. Magnesium must be bound with another substance so it can be absorbed. Some of those combinations include: magnesium carbonate, magnesium sulfate, magnesium hydroxide, and magnesium malate. Each combo has its own characteristics. For instance, magnesium carbonate has antacid properties, while magnesium sulfate and magnesium hydroxide (which is in Milk of Magnesia) have laxative properties. My personal favorite is magnesium

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WELLNESS

uggling a career, family, and personal well-being means juggling a lot of extra stress as well. That can be dangerous business as stress is a leading factor in heart disease, America’s No. 1 killer. The good news for working women is that there is a common mineral that may help reduce your risk of heart disease by as much as 25 percent or more: magnesium. Before she founded IMC, a California-based marketing company that serves the natural health industry worldwide, Carol Nicholson was a registered nurse. So she knows the importance of exercise and keeping a healthy diet to protect against cardiac troubles. Still, the pressures of overseeing her company’s accounts while mothering her three kids were considerable. Then


malate, manufactured by Jigsaw Health, which has slow-release characteristics. Instead of getting a bolus of magnesium in your gut, which could cause diarrhea, you’ll get a steady, slow release and absorption, with minimal if any GI side effects.

WELLNESS

How Much Magnesium Should You Take? I suggest 3 mg per pound of weight. For example, if you weigh 120 pounds, you should take 360 mg— either as one dose or as divided doses in the morning and again before you go to sleep, which can successfully treat insomnia. If you are stressed or deficient, you will require more—5 mg/pound. I like to repeat testing after three months to determine the correct dose. Many may not realize that heart disease is as common in women after menopause as it is in men. Women have a one in 36 chance of dying from breast cancer but a one in two chance of dying from heart attack or stroke.

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Magnesium can help lower the risk of heart disease and help in so many other ways, especially for working women like Nicholson—and for you too.

• Dennis Goodman, MD, has been named one of America’s Best Doctors. He is board certified in cardiology and integrative medicine and is a clinical associate professor at NYU. He formulated his own natural cardiac multivitamin “HDL Booster” and just authored a new book from Square One Publishers, Magnificent Magnesium, available on Amazon.com. www.dennisgoodmanmd.com


AAA

(abdominal aortic aneurysm)

and U By LORI M. MYERS

M

Charles Dinerstein, MD, FACS, with Good Samaritan Hospital in Lebanon, is shown with a model of a stent graft, used in the newer and less invasive technique for the elective repair of asymptomatic aneurysms.

says. “Men probably have more CT scans because of issues around their prostate, so asymptomatic AAAs are more frequently identified in them.” AAAs tend to run in families, and although the genetics are not completely understood, Dinerstein adds that it might be thought of as a continuum. On the one end are patients with Marfan’s disease, a genetic disorder that affects the body’s connective tissue and in which aneurysms are a component. On the other end are patients who may have a family member with an aneurysm. “This is described as genetic

penetrance,” Dinerstein says. “The penetrance for the gene expression is high in Marfan’s and less in other family situations, but it is definitely there.” There is no prevention of this aneurysm besides modifying one’s risk factors, which include smoking, hypertension, elevation of cholesterol, and diabetes and are the standard risk factors associated with atherosclerosis or heart disease. According to the Centers for Disease Control, there are often no symptoms for an AAA, but it may present as a throbbing or deep pain in the back or side, or pain in the

“”

Women and men are about equal in getting this condition, but it is considered more prevalent in men because of how and why it is discovered.

buttocks, groin, or legs. “The difficulty with symptoms is that they only develop when the aneurysm is breaking or rupturing, so that is a bit late in its course to seek initial attention,” Dinerstein says. So what sort of treatment can someone expect after an AAA diagnosis? Dinerstein says that a CT scan offers information as to the aneurysm’s exact location so that surgery can be planned. It will also tell the doctor whether it is breaking or has already ruptured. “The treatment for a ruptured aneurysm is immediate correction,” Dinerstein says. “The treatment for

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WELLNESS

uch is discussed and warned about heart disease, cancer, and diabetes. While the numbers prove that we need to be vigilant about these conditions, there is another one we need to be aware of. Abdominal aortic aneurysm is the most common type of aneurysm, and for patients who may be experiencing certain symptoms or have family histories of this condition, it’s time to get educated. An abdominal aortic aneurysm (AAA) is a weakness in the wall of the aorta, the major artery carrying blood from the heart to the organs and legs. According to Charles Dinerstein, MD, FACS, with Good Samaritan Hospital in Lebanon, as the weakness gets more significant, the bulging-out of the artery gets larger and is more at risk to rupture. “If the aneurysm ruptures, the chance of survival is very low,” Dinerstein says, “in the range of about 25 percent, so we like to repair them earlier.” For health professionals, the tradeoff between operative risk, i.e., dying from the surgery, and operative benefit—i.e., not having the continued risk of aneurysm rupture because the aneurysm is removed—occurs at about 5 cm. Women and men are about equal in getting this condition, but it is considered more prevalent in men because of how and why it is discovered. “The diagnosis of aneurysms is made primarily—60 percent of the time—as an incidental finding on an ultrasound or CT scan,” Dinerstein


asymptomatic aneurysms is elective repair.” There are two repair methods, he adds. The classic treatment is open surgical repair involving two to four hours of surgery and five to eight days in the hospital. A newer and less invasive technique involves placement of a stent graft inside the aneurysm. The graft redirects blood flow through the stent rather than the aneurysm. This typically requires a short procedure and overnight hospitalization. “Women are sometimes not as good a candidate for these minimally invasive procedures because of their anatomy, which is somewhat smaller than that of men,” Dinerstein says. “We require a fairly large artery going from the leg into the abdomen to place these stent grafts, and women have smaller arteries. There are specific devices that can be used more often in women because they have a small diameter and can be used more safely.”

There continues to be active, ongoing research when it comes to AAAs. Researchers are looking more into the biochemistry and physiology of the condition and whether inflammation and/or perhaps infection could be involved. In the 15 years or so that aortic stent grafts have been used for minimally invasive care, Dinerstein says they are now at the fourth and fifth generation of these devices, and with each generation, the devices have become smaller, more reliable, and more effective. As far as the methods of detection go, both CT scans and ultrasound continue to be the best ways to find and locate AAAs for both women and men, and abdominal ultrasounds are radiation free, quick, and painless. “Medicare includes this testing in its welcome examination, at least for men,” Dinerstein says. “Certainly, women with a family history of aneurysms or a smoking history would also be considered for an ultrasound.”

WELLNESS

Your key to choosing the right living and care options for you or a loved one.

18th Edition Now Available! Call today for your free copy! (717) 285-1350

In print. Online at onlinepub.com.

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Watch

WOMEN TO

Jessica Goss of Harrisburg has been

Jessica Littleton is the new director at

Katherine M. Powley has joined F&M

promoted to operations reconcilements manager for Metro Bank. Goss was most recently operations reconcilement supervisor for the bank. She has nine years of banking experience, two of the last years with Metro Bank.

the Children’s Learning Center at Landis Homes. Littleton was hired by Hildebrandt Learning Center, which manages the Children’s Learning Center at Landis Homes. As director, she will oversee the overall program at the center.

Trust as vice president – commercial services relationship manager. Powley joins the bank having nearly 30 years of experience in the financial services industry in commercial banking.

Diane Rota has been hired by Walz, Deihm, Geisenberger, Bucklen and Tennis, P.C. as a senior accountant in the firm’s tax division. Rota was previously employed by Herbein + Co., Inc. in Reading and brings more than 15 years of experience in taxation work to the firm.

Kimberly Ryen has been named a

Jennifer Switzler has been hired as the human resources

business loan officer for Members 1st Federal Credit Union’s West York branch. Ryen has been working in the banking industry for 13 years and has been employed by Members 1st Federal Credit Union for five years.

manager for Boyer and Ritter, LLC. Switzler has more than 16 years of experience with recruitment and staffing analysis, career development and leadership training, employee relations/conflict resolution, and benefits management.

Do you have an announcement? Please email your announcements of career advancements and professional new hires to crupp@onlinepub.com. Electronic photos should be saved as a tiff, jpeg, pdf or eps at 300 dpi. Or mail to: BUSINESSWOMAN, 3912 Abel Drive, Columbia, PA 17512. Photos sent through mail will not be returned. Please – no duplicate releases.

is seeking an ACCOUNT REPRESENTATIVE On-Line Publishers, Inc. has an opening for a highly motivated person with a professional attitude to sell print and online advertising as well as niche events. The successful candidate should: • Enjoy building and maintaining your own long-term business relationships. • Be highly motivated, detail oriented, and able to multitask. • Have good communication skills. • Show a willingness to learn and grow in a fast-paced environment.

CONNECTIONS

We offer a competitive compensation plan with a benefits package that includes health insurance and a 401(k) plan. If you have sales experience and are interested in joining our growing sales team, please send your resume and compensation history/requirements to danderson@onlinepub.com. On-Line Publishers, Inc. • 3912 Abel Drive • Columbia, PA 17512 • 717.285.1350 www.onlinepub.com

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While We Were Out ... Lancaster General Health Foundation – Stanley K. Tanger Breast Care Fund against Breast Cancer

Lebanon Valley Family YMCA

The Tanger Outlet Center in Lancaster raised $22,947.51 for the battle against breast cancer and made its local donation of those funds to the Lancaster General Health Foundation – Stanley K. Tanger Breast Care Fund against Breast Cancer.

Jonestown Bank & Trust Co. (JBT) contributed $2,500 to the Lebanon Valley Family YMCA in support of their pre-kindergarten programs. Pictured: Troy A. Peters, CEO, JBT, right, presents a $2,500 check to Phil Tipton, CEO, Lebanon Valley Family YMCA, left. Pictured, from left: Neil Martin, AGM, Tanger Outlets; Jen Groff, LGH Foundation; Monica Trego, GM, Tanger Outlets; and Jay Bucher, president, LGH – Foundation.

SEND US YOUR PICTURES! BusinessWoman would love to share what’s happening while you're out and about. Send your picture(s) and descriptions to: editor@businesswomanpa.com.

TAKE US WITH YOU! CONNECTIONS

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Greet

MEET AND

WOMEN’S NETWORKING GROUPS American Business Women’s Association (ABWA) Camelot Chapter 6 p.m. 3rd Monday of the month The Radisson Penn Harris Hotel & Convention Center, Camp Hill Tania Srouji, President www.abwacamelot.com Continental Yorktowne Chapter 6 p.m. 4th Tuesday of the month The Roosevelt Tavern 400 W. Philadelphia St., York 717.891.7808 Lancaster Area Express Network 7:15 – 9 a.m. 3rd Wednesday of the month Lancaster Country Club 1466 New Holland Pike, Lancaster Julie Welles 727.207.8424 julie@sparkmission.com www.LAEN-ABWA.com Lebanon Valley Chapter 6 p.m. 4th Wednesday of the month Marabelle’s Restaurant 1352 Cumberland St., Lebanon Penny Donmoyer 717.383.6969 www.abwalebanonpa.com Penn Square Chapter 11:45 a.m. – 1 p.m. 2nd Thursday of the month Hamilton Club 106 E. Orange St., Lancaster Donna Anderson 717.392.8285 donnatroptan@yahoo.com Women @ Work Express Network 11:30 a.m. – 1:15 p.m. 2nd Thursday of the month Heritage Hotel 500 Centerville Road, Lancaster Virginia Klingensmith vklingensmith@unioncommunitybank.com

Executive Women International Harrisburg Chapter 5:30 p.m. 3rd Thursday of the month Rotating location Cynthia A. Sudor 717.469.7329 casudor@gmail.com www.ewiharrisburg.org Harrisburg Business Women 11:30 a.m. – 1:30 p.m. 2nd Tuesday of the month Best Western Premier Central Hotel & Conference Center 800 E. Park Drive, Harrisburg Cathy Jennings 717.713.7255 info@harrisburgbusinesswomen.org www.harrisburgbusinesswomen.org Insurance Professionals of Lancaster County (IPLC) 5:45 p.m. 3rd Tuesday of the month Heritage Hotel 500 Centerville Road, Lancaster Krista Reed 717.945.4381 kristathompson101@comcast.net International Association of Administrative Professionals Red Rose Chapter 5:30 p.m. 4th Tuesday of the month Woodcrest Villa 2001 Harrisburg Pike, Lancaster Barbara Tollinger btollinger@normandeau.com www.iaaplancaster.com

Harrisburg Chapter 5:30 p.m. 3rd Monday of the month Holiday Inn Harrisburg East Lindle Road, Harrisburg Helen E. Wallace, CAP-OM, President Jodi Mattern, CAP, Webmaster jodi4psu@gmail.com www.iaap-harrisburg-pa.org Hershey Chapter 5:30pm 2nd Tuesday of the Month Hershey Lodge 325 University Drive, Hershey Wendy Snavely, CAP-OM, President Meagan Bair, CAP-OM, President-Elect 717.508.1710 mbair@hersheypa.com www.hershey-iaap.org White Rose Chapter of York 6 p.m. 3rd Wednesday of the month Normandie Ridge 1700 Normandie Ridge Drive, York Dorothy Keasey 717.792.1410 djkeasey@comcast.net Mechanicsburg Business Women 11:30 a.m. – 1:30 p.m. 3rd Wednesday of the month Rotating location Abeer Srouji Allen info@mechanicsburgbusinesswomen.org www.mechanicsburgbusinesswomen.org Pennsylvania Public Relations Society 5:30 p.m. Last Thursday of the month Joan Nissley, President 717.861.8720 jnissley@pa.gov www.pprs-hbg.org

Professional Women’s Business Network (PWBN) 8:30 – 10 a.m. 1st Monday of the month Park City Diner 884 Plaza Blvd., Lancaster Maria Quaranta 717.271.1250 mariapwbn@yahoo.com www.pwbn.org Shippensburg Women’s Area Networking (SWAN) Noon 1st Wednesday of the month Rotating location Lisa Mack 717.609.3781 lisamack.re@gmail.com Women’s Business Center Organization (WBCO) 11:30 a.m. 2nd Tuesday of the month September through April Alumni Hall, York College of PA Mimi Wasti mwasti@ycp.edu Women’s Independent Networking Group (WING) Noon 1st and 3rd Wednesday of the month Out Door Country Club 1157 Detwiler Drive, York Lisa Barshinger 717.747.6393 info@wingofyork.com Women’s Network of York 11:30 a.m. 3rd Tuesday of the month Outdoor Country Club 1157 Detwiler Drive, York Theresa La Cesa tlacesa@aol.com www.wnyork.com

CONNECTIONS

Yellow Breeches Chapter 6 p.m. 4th Wednesday of the month Comfort Suites 10. S. Hanover St., Carlisle Jofa Kauffman jofa@paonline.com

Central PA Association for Female Executives (CPAFE) 1st Wednesday of each month. Refer to the website for the meeting location. Cathy Jennings, President 717.713.7255 info@cpafe.org www.cpafe.org

Do you have an event you would like to post on our online events calendar? It’s easy to do … and it’s free! Just go to BusinessWomanPA.com and click on the “events” link, or email your info to calendar@businesswomanpa.com.

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