Business Woman November 2019

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Inside

WHAT’S 4 LETTER FROM THE EDITOR 7 Are you on autopilot?

It’s when you’re going through life without conscious awareness.

9 Relationships in the workplace

Offenses, harassment, and dating in the workplace.

11 alzheimer’s

A breakdown in communication.

13 Aid & Attendance

The long-term care benefit many veterans are missing out on.

14 a field guide to parenting styles What research says really works.

16 Women’s Expo preview

• Retirement Readiness Planning • Financial Issues of Divorce • Investments • Long Term Care Insurance • Portfolio Analysis & Design • Securities Brokerage Services “Working with my clients to help achieve their ďŹ nancial goals and dreams.â€?

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- Deborah Pajak

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Find out what’s happening at the Women’s Expo!

17 Letting them in, Letting them go

Foster parents provide vital support for kids needing care.

19 Long-term care insurance

Curious about long-term care insurance and if it is worth it?

21 MEET and Greet

Regional networking events and meetings.

21 women to watch

New hires and promotions.

November 2019

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5 cover story Sue Heinle is the president and CEO of Visiting Angels franchises in York and Lancaster counties. Her experiences growing up led her to what she believes is the “why� for her being on this earth—helping older adults live as safely and independently as possible.

She was honored to have served on Gov. Corbett’s first Pennsylvania Alzheimer’s State Plan Task Force and continues to be very involved in the community.

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Editor’S

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Note

November 2019 Vol. 16 - No. 11

PRESIDENT AND PUBLISHER

Donna K. Anderson

“

November is recognized as National Family Caregivers t’s a beautiful time of year, accentuated by striking fall colors and brisk temperatures. I’m Month. We have included several articles that will looking forward to baking cookies and breads help caregivers navigate the caregiving journey. Topics broached are communicating and making soups. And I with a person with dementia; the love filling my home with autumn connection between smell and the scents of apples, pumpkins, vanilla, possibility of recognizing earlyand spice by lighting scented stage Alzheimer’s; and the candles. Although summer is Aid and Attendance benefit my favorite season, this is a close When your schedule leaves your that could be one of the second. brain drained and stressed to best-kept financial secrets available You know that pilots can put to veterans and their spouses. their airplanes on autopilot, but exhaustion, it’s time to give up There are thousands of many of us also run on that mode, something. Delegate. Say no. children in foster care, and at least from time to time. How Be brutal. It’s like cleaning out many more that need placement. about instead of continuing to push Discover more about foster through without much thought, a closet — after a while it gets care. Perhaps you possess the you learn how to take back control easier to get rid of things. You emotional ability to welcome a and feel a sense of balance? Check child into your home. inside for more information. discover that you really didn’t Our last Women’s Expo of the We spend a lot of time at need them anyway. year is Nov. 9. Get a sneak peek work, so it’s not surprising that — Marilyn Ruman office romances happen. As at what’s happening on page 18.

It will be a great way to spend a business owner or head of your day with friends and family! human resources, however, your policies and guidelines for such situations must be established and reviewed, and regular training for employees must occur. Learn how to reduce your company’s risks for inappropriate behavior, favoritism, or harassment. It’s not a once-and-done discussion.

Christianne Rupp, Vice President and Managing Editor

”

EDITORIAL Vice President and Managing Editor

Christianne Rupp Editor Megan Joyce Contributing Writers Lisa A. Beach Lisa Bobyak Lori L. Dierolf Lynda Hudzick Jim Miller Robin Russo K. Leigh Wisotzkey

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Story

CAREER

COVER

By LYNDA HUDZICK

S

ue Heinle recognized early on that her role has always seemed to be the “family caregiver,” and she’s just fine with that because nothing gives her more satisfaction than caring for others.

In her professional role as the president and CEO of two Visiting Angels franchises, she gets to, as she said, “help people live happy and safe in their own home! How cool is that!”

This married York native who is mom to five and a “very lucky Mimi” to one grandson has been working in the home health and hospice field since 1987 and is an RN and a BSN, graduating from York College of Pennsylvania in 1982.

“I found my passion — caring for individuals at home and most especially the elderly,” Heinle said.

Coming from a family of entrepreneurs, she always knew she would someday have her own business but wasn’t sure what that would be.

“In 2001, I recognized that a new care-delivery opportunity was developing in the home care arena due to changes in Medicare reimbursement,” she said.

It wouldn’t be long before she would become a big part of that development.

Heinle defined home care as care that is considered nonmedical,

which includes assistance with bathing, dressing, toileting, meal preparation, and laundry.

“This type of care is typically offered by nursing assistants or companions,” she said.

Home health and hospice is considered medical care, provided by nurses, physical/occupational

therapists, and social workers.

It was in 2002 that Heinle made the decision to purchase the Visiting Angels franchise in York, housed in one small office at the time. As the team grew, they expanded to two office locations, one in York and one in Hanover.

In 2013, she purchased a second

franchise based in Lancaster, giving her three locations.

Heinle can pinpoint three incidents that set her on the path to Visiting Angels. She recalls how difficult it was for her grandmother when she had to be moved to an assisted living facility.

“She never accepted this change

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and told everyone for five years that it was a temporary situation — it broke my heart,” Heinle said.

A second indicator that this was the right path for her was when she was helping to care for her father after his cancer diagnosis while simultaneously working full time and raising a family of five children.

“One night in the hospital, my dad said to me that I should start a business where I could help family members like I was doing for him,” she said.

And third, she recalls the challenges faced when her motherin-law was diagnosed with dementia.

Heinle helped her husband in the care of her in-laws so they could be independent yet safe in their residence.

Visiting Angels provides assistance primarily to older adults, but they also assist adults recovering from illness, injury, surgery, etc.

“Our team members are highly trained, and we continue to add

more training offerings for our staff to help us expand our services and meet the needs of the community,” she said. “I am so incredibly lucky in that I work with amazingly talented individuals who share my passion of caring for older adults.”

Over the years, Heinle said she has learned, through training and experience, that “any space can be adapted, and a care plan with specially trained staff can help older adults be safe and live in a safe residence and have a quality life for their remaining days.”

Heinle says she feels driven to help older adults live safely and independently in the “least restrictive environment possible.

I truly believe this is my ‘why’ for being on this earth.”

Heinle works hard to remain a leader in the industry, monitoring what is currently happening so she can “lead our organization to act or respond accordingly,” she said. “I also have administrative oversight of all operations, ensuring that we are compliant with the

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Department of Health, whose regulations oversee our industry.”

She is an active participant as well in care-management meetings, where her knowledge and expertise as a nurse help ensure the organization is meeting the needs of every client and his or her family.

Heinle feels that being a woman has helped her in the industry because “women are the nurturers and caretakers of our families,” she said. “I find it impossible to separate these character traits [from] being a businesswoman … I look at situations with two lenses: one way with my brain or analytical business side and the other with my heart.”

And like so many professional women, she still goes “home to care for my family, making dinner, doing laundry, checking on my parents, and challenging myself to find more balance in my life,” Heinle said.

That life balance includes community service work to which she is very committed. Heinle

2020

has served on various boards and committees with a focus on home health care and aging, as well as being “honored to have been asked

by Gov. Corbett to serve on the first Pennsylvania Alzheimer’s State Plan Task Force,” she said.

Most recently, she served on the steering committee to launch Dementia Friendly America in central Pennsylvania and is very “active and supportive of the Alzheimer’s Association, specifically the Walk to End Alzheimer’s in both York and Lancaster,” she said.

As far as what the future may hold for Heinle, she believes she still has much to offer in the field of home care. Although she sees her role perhaps evolving as toward consultative work or new developments in technology or technique within the industry, her approach will not change.

“I don’t understand ‘no’ or ‘it can’t be done,’” she said. “I am supportive, compassionate, and loving of others — and persistent when I believe in something.”

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CAREER

Are You On Autopilot?

By LISA BOBYAK

I

t’s when you’re going through life without conscious awareness.

It’s that feeling (actually, most of us are so busy we don’t even recognize it) of moving fast and not remembering how you even got there.

Have you ever had car rides like that? I have. I’ve driven to my destination and had no recollection of how I got there. I’ve even had days like that, where I’ve put my head down and soldiered through.

By the end of the day, physical and emotional exhaustion would inevitably wash over me, yet I couldn’t even remember what I did. (Heavy sigh.)

And, I wonder if you, like me, have had years like that.

I was operating on autopilot, rudderless, the year I graduated from college, got married one month later, moved to a new state, began a new job, and then moved again.

Autopilot mode got me through the year my dad died of cancer, only eight weeks after being diagnosed. Soldiering on moved me through the year I learned of my husband’s three-year affair that ended our 20-year marriage.

And I definitely was operating on autopilot the many years before I learned that I had had a stroke.

For countless years I acted as “the glue” that kept the family humming along, unaware of the toll it was taking.

I thought the only way to manage was to plow through, head down, praying for things to get better.

Our “lean in” culture encourages us to push through and strive harder, doesn’t it?

But, maybe pushing through has left you barely hanging on.

I’m guessing that you work hard to:

• Take care of your bustling household’s evening schedule while you try to sneak in a bit more work before you crash for the night.

• Raise your children and simultaneously try to succeed at work.

• Struggle to choose between the rare moments of family time or some much-needed time to unwind.

You’re not alone in your angst between external pressure to do more and internal signals to step back. In between the external pressures and your internal symptoms is our inner compass. The challenge for us, in a society that honors busy, is to slow down long

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autopilot living aren’t hypothetical.

They are real stories from real women with whom I work. These women wanted to restore their energy, feel beautiful in their own skin, and expand their capacity to be fully present in, and fully in love with, their very full life.

They knew they were missing something, but they didn’t know exactly what it was or how they were going to get it back.

You’re not alone if:

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2019

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enough to follow it.

But, the truth is, it’s easier for us to go into autopilot mode. It’s a protective strategy, actually, and it’s not necessarily bad. For example, we’re on autopilot when we’re brushing our teeth.

However, when running on autopilot is the default mode, it will eventually lead to feeling imbalanced, unfulfilled, and burned out.

Those above examples of

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• Your temper with your family is on a super-short fuse and you lash out knowing that it’s irrational behavior, but you aren’t able to stop it.

us clarity to make better decisions.

• You feel like you can’t make anyone happy, even though you are trying so hard.

3. Plan ahead using the information you just gathered. Don’t expect the plan to go perfectly; it never does.

But, keep the focus on the outcome.

• You frequently get colds or other little illnesses.

• You make careless mistakes, have trouble focusing, or experience brain fog.

Because of our busy lifestyle, we tend to shrug these off as just “the cost of doing life.”

But running on empty doesn’t have to be your norm. And burned out doesn’t have to be your future.

No matter how busy and overwhelmed you are now, I’m confident that through pausing, gaining perspective, and planning ahead you can take back control and succeed at work and at home … and feel a sense of balance doing it.

I know because I lived it, and I teach it now.

It was through this process of going against cultural norms, finally pausing for long enough to gain perspective and use what I learned to plan for the future, that I developed a transformative methodology — the Living Fully Balanced Process.

It was this process that made it possible for me to study coaching and positive psychology, which helped me transform my health and build a business and life that I love.

I know what I’m asking you to do will feel counterintuitive and perhaps even uncomfortable.

But, in order to have the life we want, we’ve got to pause long enough to design it.

Here’s the foundational piece of my methodology and how I reversed my own burnout.

To prevent burnout, practice the three P’s: 1. Take a pause before reacting to the day. Choose what’s important for you to respond to. Slowing down gets us out of autopilot mode, giving

2. Gain perspective of the day.

There’s always something to learn from, adjust to, or remove.

There is massive power in the simple pause. Oprah Winfrey and Howard Schultz, founder of Starbucks, know this. They make sure to take time every morning to pause, gain perspective, and plan accordingly. Every. Single. Day. Your pause doesn’t have to be long — just five minutes in the morning before you get out of bed and five minutes in the evening before you leave the office. These 10 minutes have the power to connect the minutiae of your day to your goals and dreams. I know you’re busy, but I also know you can prioritize 10 minutes a day.

Feeling balanced in our busy life, though, begins with self-awareness.

To help you understand where you are in the balanced/burnout continuum, I’ve created a “Burnout Warning Signs” checklist, with overlooked symptoms of burnout.

Knowing the signs of burnout is the first step toward your balanced life.

Autopilot mode may work for a while, but eventually, if we don’t take the time to pause, relationships will erode, careers will stall out, and health will decline.

We’re smart women, leading full lives, and we’ve got the power to prevent our own burnout.

The power’s in the pause.

• Lisa Bobyak, founder of Living Fully Balanced, LLC, works with highachieving women, increasing their energy and focus so they can lead with excellence and live with balance. Lisa has been transforming women’s lives for over 13 years through her inspirational and educational presentations as well as through her private coaching.

However, she’s best known for her proven signature program, “The Love Your Life Again Program.” Lisa authored 7 Days to Loving Your Life Again and is the creator of the Living Fully Balanced Life Planner.

CAREER

Offenses, Harassment, and Dating in the Workplace

By K. LEIGH WISOTZKEY

Y

ou’re leaving work late, round the corner to the elevator, and roll up on your boss and a colleague in a steamy embrace.

Awkward!

It looks consensual, and you’re not being sexually harassed, but it’s uncomfortable, not just in this moment, but as thoughts fill your mind on your detour to take the stairs.

Now what do you do? Anything?

Situations like this are easier to navigate when employers create a structure to prevent inappropriate behavior in the workplace and address incidents as they occur. The basic framework is simple: 1. Clearly document policies and procedures so that employees can understand the rules and consequences of the workplace.

2. Disseminate information (employee handbooks, guidebooks, policies, training) to create an informed workforce.

3. Lead by example.

What’s the Offense?

“There are a lot of things that happen in the workplace for which people could/should be disciplined, but not all are violations of the law (such as being consistently late or leaving early),” says Kathryn Simpson, shareholder/attorney at Mette, Evans &Woodside.

Similarly, someone may exhibit crass behavior, but it may not necessarily be sexual or directed at anyone in particular.

However, many behaviors can be offensive to some and can quickly affect morale, especially if it’s never addressed.

When it comes to harassment, we often think only about sexual harassment, although there are other types of harassment that are just as serious, uncomfortable, and unlawful. (The Pennsylvania Human Relations Act outlines protected classes, which is critical for employers to understand when it comes to harassment claims.)

The common thread in any type of harassment is that there is always a target and a person accused of some alleged offensive behavior.

It is the employer’s responsibility to have clear policies, procedures, and training so employees know and understand what the rules are, what the law is, and what happens when a violation occurs — including consequences for offenders, what to report, and how.

“You have to have some sort of framework,” Simpson advises. “The

policy should say, ‘If this happens, here’s where you report it.’”

Knowing What to Do Clear policies and procedures must be disseminated via some type of employee handbook/guidelines, repository, and/or training to be sure people know the rules and what to do.

“I would say that there are two types of training,” says Simpson.

“We could call the first type a ‘sociological’ training — helping employees understand how they need to get along and get the job done — and the second type is specific to the law.” Both of these types of training are critical.

This first type of training establishes “how to play nice in the sandbox” — where employees are advised that it is necessary to have mutual respect in the workplace

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and that bullying and other divisive behavior will not be tolerated.

The second type of training is more nuts and bolts — here’s the law, here’s what’s going to happen when claims of harassment based on sex, race, religion, or any other protected classes set forth in the law occurs, and here’s what happens to those who don’t follow the law.

Using policies, procedures, and training to educate the workforce provides the information needed by the employees. It’s a good practice to have the employees sign off on an acknowledgement that they have been provided with copies of the policies and have received training.

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What’s Going to Happen?

Policies and guidelines typically spell out consequences for violations.

Once there’s a report of harassment, it’s important for the employer to have a plan for an investigation of the claim. Policies and procedures that allow investigation are critical, as is the need to address antiretaliation, as well.

Many anti-harassment policies promise confidentiality to those who report claims. In the real world, that promise can be difficult to keep. At the least, an investigator needs to talk to the alleged offender and any witnesses identified by the person complaining and the alleged offender, so it is virtually impossible to keep an investigation totally confidential.

Aside from confidentiality concerns, many of those who report harassment fear retaliation. This fear may keep them from reporting incidents in the first place. These fears can be very valid, especially since those who retaliate are often others not involved but who may “take sides.� A strict anti-retaliation policy that is applicable to all employees is necessary.

The purpose of the investigation is to determine credibility: did this incident actually happen; is it harassment or otherwise in violation of the policy; and, finally, what needs to happen?

Sometimes during the investigative process, it’s worth asking the target

what they think should happen. If the investigation shows there was harassment, what do they believe is the appropriate sanction? Other times, the law clearly drives the consequence.

Other Prevention for Harassment Dating policy optional – There are times when a dating policy is very important. It can depend on the business size, how competitive the market is for qualified candidates, and whether it makes sense for the business.

However, limiting workplace dating, at least between supervisory personnel and subordinates, or people involved in rating/reviewing performance can go a long way in avoiding problems before they occur. It can eliminate questions of fairness/preferential treatment, as well as protecting the work environment from situations where consensual relationships go bad, which can affect their productivity on the job.

Lead by example – Simpson advises that, beyond necessary workplace policies, procedures, and training, leading by example plays a major role in minimizing workplace harassment. “If managers are not leading by example, it stratifies the workforce — it says to employees, ‘Here are people who can and people who cannot get away with ‌’â€?

Harassment in the workplace is complex, and a structured framework geared to prevention is beneficial to both employers and employees to navigate this territory.

Making sure that employees understand the rules and consequences is critical.

But perhaps the most important ingredient in preventing harassment is to ensure the same rules apply to everyone, from the bottom to the top.

Policy maintenance – Simpson says, “Have a harassment policy, review it frequently to see if it’s working and in compliance with the law, and provide regular training on harassment for your workforce.�

CAREGIVERS

Alzheimer’s – A Breakdown in Communication

I

By LORI L. DIEROLF

magine going to your favorite shoe store and, after searching for a few minutes, finding the exact style and color of shoe you’d been looking for.

Feeling very pleased with yourself, you take that treasure to the gentleman behind the counter and say, “I’d like this shoe in a size 7½, please.”

The clerk gives you a bewildered stare and squints at you in disbelief.

After a second or two he spits back in a disdainful tone, “What?! What are you talking about?!!”

“What just happened?!” You’ve been through this shoe-shopping routine hundreds of times — find a shoe you like, take it to the clerk, get the size you want, try it on.

That euphoria you had just minutes before has now been replaced with feelings of anger, confusion, embarrassment, and possibly even foolishness.

“What did I say that was so wrong?” you ask.

This type of scenario plays out over and over again for individuals living with a dementia diagnosis.

They know exactly what they want to communicate, and they believe they are doing everything correctly, but the verbal and physical response we give in return may cause anger, frustration, anxiety, and fear.

To make matters worse, we are equally frustrated! We want to help, but we have no idea what they

are trying to tell us.

The part of the brain responsible for this breakdown in communication is the temporal lobe (located behind our temples), and more specifically the left side of the temporal lobe. This is where our language abilities live, and, in most cases, it is one of the first areas damaged by Alzheimer’s disease.

Alzheimer’s impairs our capability to communicate verbally in a number of ways.

First, it takes away our ability to use vocabulary words, specifically the names of things. We become unable to remember people we see every day, or what we call that big, cold thing where we put our food to

keep it from spoiling.

Early in the disease process, we might replace those “names” with words like “the man,” “the thing,” or “the whatchamacallit.”

We might also use words that we think describe what we are trying to say. For example, instead of asking for a bagel, we might ask for a “brown round,” (a bagel is “brown” and “round”). As you might imagine, for those who are unaware of such language deficits, this description might cause more confusion than clarity.

Losses in our left temporal lobe can also cause confusion with names of objects that have similarities, such as calling a fork “a knife” (since both are eating utensils)

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or calling the sugar “salt” (since they look the same and are both food additives).

As the disease progresses, we begin missing key words used in conversations, which adds to our confusion and makes it difficult — if not impossible — to make sense of what is going on in the world around us.

To a person living with dementia, by mid to late disease you might sound much like the teacher from the Peanuts cartoon: “Waaa waaa waaaa waaaa waaaah.” Imagine trying to join a discussion with your family when that’s what you hear!

Problems with comprehension cause individuals living with dementia to be unable to follow a conversation and result in their relying more heavily on a speaker’s nonverbal cues to decipher their message. If you’ve ever listened to a person speaking a language you didn’t understand, you know what this is like. You note the person’s gestures, their volume, how fast they talk, their posture, the tone of their voice, and the facial expressions they use in your attempt to make sense of the message they are trying to convey.

Is there anything that can be done to improve communication with a person living with a dementia-related illness?

Absolutely! Most importantly, you need to monitor what you are “saying” when you aren’t actually speaking, meaning be aware of the “nonverbal messages” you are sending. Think about it: When a person says he is interested in what you are saying, but makes no eye contact, fidgets, and keeps looking at his watch, which do you believe — the message of his words or the message of his body language?

When the world of a person living with Alzheimer’s is confusing and chaotic, she needs fewer words and more visual clues. Smile and pat the seat of the chair next to you to invite her to sit down. Wave a “come on” with your arm and put out your hand if you want her to go somewhere with you. Gesture bringing a cup to your lips when asking if she wants something to drink.

It is always helpful to approach

the individual from the front and be sure she can see your face before you start to talk. Speak slowly, using short, concise words or phrases, and give her lots of time to process what you said. If you need to repeat yourself, be sure to say it exactly the same way the second time — try not to rephrase things (this may cause the individual to begin trying to process what was said all over again).

So, when a person with Alzheimer’s disease says something that makes no sense to you, think back to that size 7½ shoe. For example, if she says, “I need a snarf,” you need to fight the urge to respond like the clerk in the shoe store.

Of course, you have no idea what a “snarf” is — it isn’t a real word.

Regardless, you need to respond with a respectful, understanding tone of voice and monitor your facial expression and body language to match. Ask questions like, “You need a ‘snarf.’ Where can I get one of those for you?” Keep trying to get more information to figure out how to help the person.

And when you do finally figure out that the individual was looking for her shawl (like a scarf, but not quite!), do not correct her by saying, “Oh, you mean shawl. Can you say shawl? shawl?!!”

This is degrading, disrespectful, and unkind. You know the person is living with progressive, degenerative brain disease, so your job is not to “teach” them. Your job is to meet them where they are and give them their humanity and their dignity.

Remember that even though the person living with dementia may have trouble with language, their ability to feel remains intact! They may not understand your words, but the rest of your message will let them know that you are there to help. You’re not going to rush them or lose patience with them. You care about them, and you will keep them safe.

• Lori L. Dierolf is the president of Open Door Training & Development. She holds several certifications as a dementia care educator and can be contacted through her website, www.OpenDoorTraining.net.

Savvy Senior:

The Long-Term Care Benefit Many Veterans Are Missing Out On

By JIM MILLER

I have heard that the VA has a benefit that can help veterans and spouses with long-term care costs.

We recently had to move my 86year-old father — who served in the Army nearly 60 years ago — into an assisted living facility, and my mom isn’t far behind. Can the VA help?

– Seeking Aid Dear Seeking, The Veterans Administration does indeed have a little-known, underutilized benefit that can help wartime veterans and their surviving spouses pay for a variety of longterm care costs.

This benefit, called “Aid and Attendance,” is a special pension that’s paid in addition to a basic pension.

It pays a maximum of $2,230 a month to married veterans; $1,881 a month to single veterans; or $1,209 a month to a surviving spouse.

The money is tax free and can be used to pay for in-home care, assisted living, and nursing home care.

Today, only around 230,000 veterans and survivors receive Aid and Attendance, but millions more are eligible and either don’t know about it or don’t think they can qualify for it.

Eligibility Requirements

To qualify, your dad must have served at least 90 days of active military service with at least one day of service during a period of war, and he must not have been discharged dishonorably.

Single surviving spouses of wartime vets are eligible if their marriage ended due to death.

In addition, your dad will also have to meet certain thresholds for medical and financial need to be eligible.

To qualify medically, he must be either disabled or over the age of 65 and need help with basic everyday living tasks, such as eating, dressing, bathing, or going to the bathroom.

Being blind or in a nursing home or assisted living facility due to mental disability also qualifies him.

Single surviving spouses have no age restrictions, but they must require help with basic everyday living tasks to be eligible.

To qualify financially, your parents must have limited assets, under $127,061, excluding their home, vehicle, and personal belongings.

And their annual income (minus medical and long-term care expenses) cannot exceed the Maximum Allowable Pension Rate (MAPR), which, in 2019, is $26,766 for a veteran and their spouse, $22,577 for a single veteran, and $14,509 for a surviving spouse.

To calculate your parents’ income qualifications, add up their income over the past year (including

CAREGIVERS

D

ear Savvy Senior,

Social Security, pensions, interest income from investments, annuities, etc.), minus any out-of-pocket medical expenses, prescription drugs, insurance premiums, and longterm care costs over that same period of time.

If the final tally is under the MAPR, and your dad meets the other requirements, he should be eligible for aid.

How to Apply To learn more, or to apply for Aid and Attendance, contact your regional VA benefit office (see w w w. b e n e f i t s .v a . g o v/ b e n e f i t s / offices.asp or call 800.827.1000), where you can apply in person. In eastern Pennsylvania, that is the Philadelphia Regional Office at 800.827.1000.

You can also apply by writing the Pension Management Center at: Department of Veterans Affairs Claims Intake Center Attention: Philadelphia Pension Center P.O. Box 5206

Janesville, WI 53547-5206 You’ll need to include evidence, like VA Form 21-2680 (www.va.gov/ vaforms), which your dad’s doctor can fill out and shows his need for Aid and Attendance.

If you need some help, you can appoint a veteran service officer, a VA-accredited attorney, or a claims agent to represent your dad. See www.ebenefits.va.gov/ebenefits/vsosearch to locate someone.

If your dad is eligible, it will take between six and 12 months for his application to be processed, so be patient.

You should also know that if your dad’s Aid and Attendance application is approved, the VA will send a lump-sum retroactive payment covering the time from the day you filed the application until the day it was approved. Then your dad receives monthly payments going forward.

• Jim Miller is a contributor to the NBC Today show and author of The Savvy Senior book.

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A Field Guide to Parenting Styles: What Research Says Really Works

FAMILY

By LISA A. BEACH

T

oday’s moms and dads can choose from a smorgasbord of parenting styles, with some more extreme methods bookending some middle-of-the-road approaches. From attachment parenting to tiger parenting — and everything in between — today’s parents can feast on an ever-expanding menu of approaches that best reflect their family’s values, beliefs, culture, and lifestyle.

So what’s a modern-day parent supposed to do to sort through this confusion?

“I think it’s difficult to communicate this with absolute certainty because every parent and every child is different,” says Douglas M. Teti, Ph.D., professor of human development, psychology, and pediatrics and department head of human development and family studies at Pennsylvania State University. “Parenting has to be adaptable for different kids and different temperaments and different strengths.”

First, a Quick Look Back In 1966, psychologist Diana Baumrind identified three broad categories of child-rearing methods (i.e., authoritarian, permissive, authoritative) based on two primary aspects of parenting behavior: control and warmth.

By control, Baumrind means the extent to which parents make demands of their kids and manage their behavior. Think of it as a sliding scale, with “very restrictive” on one end and “very permissive” on the other.

As for warmth, Baumrind means the degree to which parents

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respond to their kids’ needs, ranging from acceptance and responsiveness (the “warm, fuzzy parents”) to rejection and unresponsiveness (“the stoic, indifferent parents”).

So how does this “history lesson” help today’s parents?

“Competent parenting really does require two basic features,” explains Teti. “One is an emotional climate or warmth/nurturance dimension and the other is a parenting practices component or control dimension that should correspond to the child’s developmental level and should be done without a lot of coercion. So parents who combine the two of these features in optimal ways typically have kids that do very well.”

~ November 2019 | BUSINESSWoman

Now, a Look at Modern Parenting From over-parenting to underparenting, today’s moms and dads can take their pick from a buffet of parenting styles — and even mixand-match to suit their family’s needs.

“When you look at these different styles of parenting, they seem to emphasize different aspects of those two key features, namely control and warmth,” Teti points out.

“Most of these parenting styles have good features about them that parents can potentially incorporate.”

Teti agrees that a lot of these “trendier” styles fall under one of the three broader categories (authoritarian, permissive, authoritative). But the basic foundation of what works

(emotional: warmth/nurturance and behavioral: control/limits) transcends any one style.

Attachment Parenting.

This parenting philosophy focuses on a responsive, nurturing, child-led approach that promotes both a secure emotional connection and a close physical attachment between parents and baby. At its core, attachment parenting relies on natural instinct, with parents hardwired to care for their baby by tuning in to what their baby needs and then acting upon those instincts.

The overarching goal? To build from the ground up — establish a safe, trusting connection with

parents from birth, resulting in independent, empathetic adults with secure relationships.

Elephant Parenting. In this ubernurturing method to child-rearing, elephant parenting focuses on raising kids, especially those under 5, in an environment of warmth and encouragement. Citing plenty of time for age-appropriate, “grown-up” expectations, elephant parents just want to nurture, protect, and support their impressionable youngsters, particularly during those precious first few years.

Free-Range Parenting. In stark contrast to more overbearing and overprotective parenting styles, free-range parenting takes more of a laid-back approach, where parents raise their children in the spirit of fostering independence in ageappropriate ways. By trusting in their kids’ autonomy, free-range parents allow their kids reasonable levels of personal freedom and responsibility while keeping them safe, although it involves taking some personal risks.

With the underlying motto of “give kids the freedom we had as kids,” free-range parenting aims to raise self-reliant kids with a reasonable (but not overprotective) dose of parental concern along the way. Free-range parents focus on teaching kids through trial and error, making choices, taking risks, and sometimes failing.

Lighthouse Parenting. Using a lighthouse as a metaphor, this collaborative parenting style focuses on guiding kids as they travel through murky waters, particularly when they reach that rough patch called the teen years. While providing lots of unconditional love and protection, lighthouse parents understand that kids also need to learn from failure in order to grow. They focus on morality and character, not performance, and strike a balance between guidance and protection.

Slow Parenting. At the crux of this parenting style lies balance, simplicity, and mindfulness. Living at a slower, more natural pace, families intentionally carve out time to connect. This approach de-emphasizes electronics and overscheduling activities for kids in favor of simplistic toys that encourage creativity, playing outside and in nature, spending time with friends and family, and allowing kids the freedom to pursue their own interests.

Tiger Parenting. Similar to helicopter parenting but on a more extreme level, this rigid parenting style takes a tough-love approach, hyperfocusing on performance, grades, and achievement. The philosophy

expects excellence from their kids and discourages social activities such as sleepovers and playdates.

It gets its name from The Wall Street Journal article by Yale Law School professor Amy Chua titled “Why Chinese Mothers Are Superior” in 2011.

The Bottom Line Going back to the two competency features (control and warmth) originally cited by Baumrind, a balanced approach works best on all fronts.

Teti points to a study he and his Penn State colleague conducted.

“What this study shows … is that when you look at parenting, you can’t just look at what parents do, you also have to look at how they’re doing it,” he explains. “You have to look at not just the behavior, but also the emotional climate that surrounds the behavior.”

In essence, parenting practices that take place (even disciplinary ones like timeouts) are much more effective in impacting a child

when they occur against a positive emotional backdrop rather than a very negative one, says Teti.

“When parents incorporate both warmth/nurturance and appropriate levels of control, they cut to the chase in terms of what should work for them.”

Control and warmth — boom, there it is again.

In the end, it’s the totality of what parents do over time that shapes who children become. In any given week (and sometimes even in the same day), parents might vacillate between a helicopter parent, an elephant parent, a lighthouse parent, and a free-range parent.

But it’s the cumulative effect of a balanced approach of both warm nurturance and firm discipline that wins out in the end.

• Lisa Beach is a freelance journalist and copywriter. Her work has been published in The New York Times, Good Housekeeping, Parents, USA Today Back to School, and more. www.LisaBeachWrites.com.

FAMILY FALL FEST SUNDAY, NOVEMBER 10TH 10:00AM - 5:00PM Camp Catherine 1275 Swatara Rd. • Hershey, PA 17033 Food, Bounce Houses, Crafts, Face Painting, Balloon-Making, Raffles and much more!

Hosted by Hershey Area Moms in support of a local mom with cancer.

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FAMILY

Dolphin Parenting. With animal metaphors abounding as parenting styles, dolphin parents recently entered the burgeoning field.

This parenting style focuses on maintaining a balanced life for kids filled with connection, contribution, and purpose while gently guiding them toward long-term health, happiness, and success.

Taking an authoritative yet playful stance, dolphin parents collaborate with their kids, nurturing their spirit, individual passions, self-motivation, and independence while still being firm but flexible.

Along the way, they adapt their approach to their changing kids and their changing environment.

Helicopter Parenting. This oftendisparaged parenting style reflects parents’ desire to be overly involved in their kids’ lives, sweeping away their obstacles, making decisions for them, solving their problems, and violating parental boundaries. Aptly named, helicopter parents hover overhead like an over-protective helicopter, deeply enmeshed in every aspect of their kids’ lives, especially as they enter adolescence.

Technology has further enabled this parenting style by giving 24/7 access to monitor kids’ lives through GPS-enabled cellphones, texts, apps, computer browsing history, and online grades. Proponents of this parenting style point to their desire to help their kids succeed. Critics highlight its stifling effect on kids’ autonomy and problem-solving skills.

The Chance of You Not Having a Great Day? Zero to None!

Lifestyle

By CHRISTIANNE RUPP The last Women’s Expo of the year will be held on Nov. 9 at the Carlisle Expo Center, and it’s sure to be exciting.

I don’t know how it got to be November already, but that means the holidays are just around the corner. Let the shopping begin! Many of you have gone digital, but at the Women’s Expo you’re going to be able to see, feel, taste, or perhaps even smell products on display! With the plethora of home-based businesses, you’ll find many unique gift-giving ideas, everything from the no-bra wirefree cami, chocolates, and jewelry to cosmetics, skin care, cleaning supplies, thermals and totes, and more.

And ladies, look around your home. Do you need a kitchen or bath remodel? Talk to the experts and then be ready to be amazed.

How about your windows and doors? The cold will be setting in and if you want to keep the drafts out and your heating bills lower, talk to company representatives at the expo. They can guide you to what will work for you and often be able to get the windows/doors installed before the extreme weather hits.

And for a taste of what else will be at the Women’s Expo, the Castlerigg Wine Shop will have wine sampling. They’ve always been a big hit, and many guests have graced their Thanksgiving table with a new varietal or given a bottle of Castlerigg’s wine as a house gift.

Of course, it wouldn’t be a Women’s Expo COMMUNITY OUTREACH SPONSOR:

without chair massages. Thanks to Homeland at Home, you can sit and enjoy the effects of a therapist working on your neck, shoulders, back, arms, and hands.

Ooh la la!

Continuing the relaxing experience, have a mini manicure

by Shears Cosmetology. Can you say, “Ahhhhh”?

Many women experience difficulty in losing weight. I know I’ve tried (and failed) many times. A representative from BeBalanced will take the stage to talk about hormone imbalance and why that could be the problem. She’ll explain that a hormone imbalance can also affect sleep, energy, libido, and more.

But there is hope, so don’t miss the presentation.

You don’t have to gain weight over the holidays.

Being able to protect yourself is important.

Dr. Fred Waters, a grandmaster in the martial arts with more than 40 years of experience and a 10th dan red belt, will demonstrate how to use anything as a weapon for personal self-defense in this hands-on seminar.

Do you believe in psychics? Jan Helen McGee, a real psychic, has worked with police departments and has starred in an episode of Psychic Witness. She will talk about her psychic secrets and acceptance, along with the twists and turns of her specialized, confounding skill set.

And don’t miss the Selfie Station, located next

SUPPORTING SPONSOR: Agora Cyber Charter School

SEMINAR SPONSOR: BeBalanced

to the stage. Take your picture with “Capt. Jack Sparrow” or choose some props and take a selfie alone or with a friend. It’s a memory made!

There will also be furry canines in the Puppy Hugging area. Get (and give) some loving.

Proceeds benefit the Purple

Leash Foundation.

Please mark your calendar now and plan on joining us.

For free tickets, visit www. aGreatWayToSpendMyDay. com.

I’ll see you there!

Puppy Hugging!

omen’s Expo Cumberland County

Nov. 9, 2019 9 a.m. – 2 p.m.

Carlisle Expo Center 100 K Street, Carlisle

VISITOR Bag SPONSOR: UPMC Pinnacle

MEDIA SPONSORS:

Hosted by: 717.285.1350

March 2019

GUIDING YOUR SS TEAM TO SUCCE COMMON A LOOK AT DERS DIGESTIVE DISOR

BUSINESSWoman

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~ November 2019 | BUSINESSWoman

Letting Them in, Letting Them Go Foster Parents Provide Vital Support for Kids Needing Care

By MEGAN JOYCE

R

Lifestyle

ight now, there are approximately 15,000 children in foster care in Pennsylvania: children who, due to a variety of circumstances, are either temporarily or permanently unable to reside with their birth parents.

And the need for foster parents to nurture and support the kids still looking for placement is great.

Children in foster care may live with relatives or with unrelated foster parents, as well as in placement settings such as group homes, residential care facilities, emergency shelters, and supervised, independent living, said Kimberly Miller, foster care supervisor at Pressley Ridge in Lancaster. Pressley Ridge also has central Pennsylvania locations in Camp Hill, Columbia, New Cumberland, and York.

“We offer a range of foster care services, from standby foster care (emergency placements that occur when the county is closed) to foster-to-adopt placements, which involve the placement of kiddos who have been in foster care for a longer period of time and for whom reunification with their birth parents is no longer the most likely outcome,” Miller said.

Foster families are needed for these types of care: • Traditional foster care – Children entering the foster care system for the first time; the goal is eventual reunification with their birth families.

• Relative/kinship care – The foster parent is licensed to care only for a child to whom they are related.

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• Medical foster care – Foster care for youth with significant developmental delays or medical conditions.

• Community residential rehabilitation – The highest level of care for children stepping down from residential treatment facilities, with a goal of reuniting with their birth families or placement into a pre-adoptive home.

• Treatment foster care – A higher level of care for children with greater behavioral or mental health needs.

Pennsylvania requires an extensive background check for individuals or families who would like to foster, including both a criminal

Lifestyle

• Respite care – Short-term care for a child already placed with another family.

There are more than 2,700 youth in foster care in Central PA.

Become a Foster Parent.

You can be the difference in the life of a child through our Community Residential Rehabilitation, Foster Care and Foster-to-Adopt programs.

(717) 397-5241 PressleyRidge.org/CPAFoster

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background check and child abuse clearance on everyone in the home over age 14.

According to Pennsylvania’s Statewide Adoption and Permanency Network, or SWAN, foster families do not need to be well-off financially, but an in-depth evaluation of family history, including financial stability, will be conducted, as will an assessment of the home to ensure it is safe for the incoming child and that there is available space for him or her.

“In Pennsylvania, foster parents must be at least 21 years old, able to pass background checks, rent or own a home, have a source of financial stability, and have room in their hearts and home for a child in need,” Miller said. “Foster parents can be single adults, parents, couples, or grandparents of any race, religion, culture, or sexual orientation.”

Miller noted that while the state requires a minimum of six hours’ training, each foster-care agency sets its own training requirements.

Pressley Ridge provides 27 hours of pre-service training, CPR/first aid training, and online mandated reporter training to all new foster families.

“Our recruiter supports each family through the training and paperwork process, and then each family is assigned to a foster care case planner who supports them throughout the placement of a child in their home,” Miller said.

“Our families also have access to a 24/7 on-call service in case of any medical, behavioral, or other emergency.”

For prospective foster parents, all the training and background checks do require an investment of time — but they don’t usually require a significant investment of money.

“Most people would be surprised to learn that there are few costs associated with becoming a foster parent or even for adopting through the foster care system,” Miller said.

“Families may be expected to pay for their clearances, a physical and TB test, and, if necessary, a well water test.”

Foster parents are reimbursed

for the costs of care, including healthcare expenses, according to SWAN. Miller added that for families who end up adopting through the foster care system, nearly all costs, including attorney fees, are covered by the state.

Most children are in the foster system only temporarily; the primary goal is reunification with a birth parent, and if that is impossible, then the next best placement is with a relative. If the court deems such a placement is not in the child’s best interest, it may order the termination of the parent’s or parents’ rights and for the child to be placed for permanent adoption.

“While statistics vary, in general, 60% of children who are placed in foster care are able to be reunited with a birth parent,” Miller said. “When children cannot be reunited with a birth parent and no kinship options are available, the state looks to ensure permanency by identifying an adoptive resource.”

At that point, even if a foster parent does not wish to adopt the child, the foster parent will likely serve as an important bridge between the child’s life in foster care and a new life with his or her adoptive parent. Having gotten to know the child, the foster parent can pass on information and insights to the adoptive parent while continuing to support the child emotionally through the lifestyle transition.

Foster parents must therefore possess the special emotional ability to welcome a child in need into their home, provide a loving, stable, supportive environment … and then, when the time comes, to let the child go back to his or her birth parents or to move on to an adoptive family.

“Becoming a foster parent is a big decision, and it is important for families to not only take time to consider their choice, but also to find the county or agency that best meets their needs,” Miller said.

For more information on foster care in Pennsylvania, visit SWAN at http://adoptpakids.org or call 800.585.SWAN.

Long-Term Care and the Insurance Need

By ROBIN RUSSO

C

urious about long-term care insurance and if it is worth it? Let me answer common questions perhaps you and others have about longterm care insurance.

disease, and/or frailty issues that arise from the natural aging process How Much Does Long-Term Care Cost? It Depends.

The cost of long-term care varies greatly, depending on the type of care, the place provided (home or facility), and the region where you receive your care. As a sample, here is the cost of care in Lancaster, Pennsylvania, according to the 2016 John Hancock Cost of Care Survery.

Type of Care: Home health care Average Cost: $21/hour Annual Cost: $32,760 Type of Care: Assisted living Average Cost: $3,830/month Annual Cost: $45,960 Type of Care: Nursing home Average Cost: $302/day Annual Cost: $110,320 Remember

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Lifestyle

What is Long-Term Care?

Long-term care describes a range of services you may need to meet your health or personal needs over a long (90 days or longer) period of time. Long-term care can be

medical care, as in skilled nursing; however, most long-term care is not medical care.

It can be assistance with the basic personal tasks of everyday life, called “activities of daily living,” like bathing, dressing, caring for incontinence, and eating. The need for long-term care is often precipitated by a chronic medical condition like multiple sclerosis, a disability like a brain or spinal injury, a disorder such as Alzheimer’s

just average costs and can be much higher depending on your preferences for care. Over an extended period, this adds up.

Consider a five-year need, with two years of home health care, one year of assisted living, and two years in a nursing home. The total is $331,940.

How Do I Pay for Long-Term Care?

1. Regular health insurance – No, it doesn’t cover long-term care.

2. Medicare – No, it doesn’t cover long-term care. Medicare covers only short nursing home stays or limited amounts of home health care when you require skilled nursing or rehab.

3. Your assets – Yes, but do you have an extra $331,940?

4. Your income – Yes, but your Social Security and pension will not be sufficient.

5. Medicaid – Possibly, after you have exhausted most of your savings.

6. Long-term care insurance – Yes

7. Life insurance/LTC rider – Yes 8. Continuing care retirement community (CCRC) – Yes, but may also deplete assets.

Why Doesn’t Everyone Buy LongTerm Care Insurance?

I see clients reject long-term care insurance for a number of reasons.

The history of the industry is rocky. The number of insurers has plummeted since 2000. The future of the industry is unknown.

Premiums are steep and increasing. Policies are medically underwritten, and not everyone can be covered. Choosing the best policy for your individual circumstances is difficult.

And finally, the most common reason is that clients fear wasting premium dollars if they don’t need long-term care.

What are the Benefits of LongTerm Care Insurance?

1. Long-term care insurance protects savings.

2. Long-term care insurance provides choice of care. Often, the more money you can spend, the better the quality of care you can get. If you must rely on Medicaid, your choices will be limited to nursing homes that accept Medicaid payments and have an available Medicaid bed at the time you have a need. You might not like it. Medicaid beds are not always available and certainly not in the most sought-after skilled nursing facilities. Medicaid eligibility and benefits are subject to change. In Pennsylvania, Medicaid does not pay for assisted living. Each state has individual rules, regulations, and eligibility requirements.

3.

These policies provide coordination of care. Your care coordinator will assist you in the placement process, which can relieve you of stress at a difficult time.

When Should I Buy Long-Term Care Insurance?

The sweet spot for purchasing

long-term care insurance is just before your 60th birthday.

We recommend working with an experienced long-term care insurance agent who can sell products from at least three carriers.

Be aware that like most insurances, purchasing longterm care insurance is usually a commission-based sales process, so the salesperson earns more if he or she sells you a higher premium policy.

Before you purchase, review the insurance policy with your independent financial adviser, who can help you determine just how much coverage you really need and compare the quotes you receive.

• Robin Russo, MBA, CFP®, CRPC® is a financial planner at Rodgers & Associates in Lancaster, Pennsylvania.

She is a fee-only adviser that focuses on retirement planning and taxefficient strategies. Learn more at www.rodgers-associates.com.

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Meet and

Greet

5th Wednesday Networking Lunch 11:30 a.m. – 1 p.m.

Held ONLY 5th Wednesdays of the year Rotating location – West Shore Area 30 S. Main St., Mechanicsburg Mitzi Jones mhjsunshine@aol.com

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 Marianne Troy, President 717.802.5622 mariannetroy@gmail.com www.abwa.org/chapter/camelot-chapter Lancaster Area Express Network 7:15 – 9 a.m.

3rd Wednesday of the month Lancaster Country Club 1466 New Holland Pike, Lancaster Amy Winslow-Weiss www.laen-abwa.org Lebanon Valley Chapter 6 p.m.

4th Wednesday of the month Hebron Fire Hall 701 E. Walnut St., Lebanon Penny Donmoyer 717.383.6969 www.abwalebanonpa.com Penn Square Chapter 11:45 a.m. – 1 p.m.

1st Thursday of the month Hamilton Club 106 E. Orange St., Lancaster Laurie Bodisch, President 717.571.8567 abwapennsquare@gmail.com www.abwapennsquare.org Yellow Breeches Chapter 6 p.m.

4th Wednesday of the month Comfort Suites 10 S. Hanover St., Carlisle Kerina DeMeester kerina1011@gmail.com

Executive Women International Harrisburg Chapter 5:30 p.m.

3rd Thursday of the month Rotating location Julie Young 717.713.7255 www.ewiharrisburg.org

Andrea Aldinger was hired by Hospice & Community

Care as vice president, Business Development & Palliative Medicine Consultants Operations. Aldinger brings more than 15 years of healthcare administrative and operations experience to the position.

International Association of Administrative Professionals Capital Region of Pennsylvania LAN Meeting locations vary Pam Newbaum, CAP-OM, LAN Director 717.782.5787 pneubaum@pinnaclehealth.org www.iaap-harrisburg-pa.org

Michelle Fitzgerald was recently appointed as chief

Pennsylvania Public Relations Society 5:30 p.m.

Last Thursday of the month Larissa Bedrick, President pprshbg@gmail.com www.pprs-hbg.org

Kathy Mueller has joined Urology of Central PA as a physician assistant. Mueller received her undergraduate degree and physician assistant degree from Penn State University and has 30+ years of clinical experience.

Shippensburg Women’s Area Networking (SWAN) Noon 1st Wednesday of the month Rotating location Lisa Mack, President shipswan@yahoo.com www.facebook.com/shipswan Women’s Business Center Organization (WBCO) – A program of the York County Economic Alliance 11:30 a.m. – 1:30 p.m.

2nd Tuesday of the month September through May Heritage Hills Golf Resort & Conference Center Windows Ballroom (next to Oak Restaurant) 2700 Mount Rose Ave., York For more information on registering or membership, contact Sully Pinos at spinos@ycea-pa.org Women’s Capital Area Networking (WeCAN) 11:30 a.m. – 1:30 p.m.

3rd Wednesday of the month Radisson Hotel 1150 Camp Hill Bypass, Camp Hill Abeer Allen, President info@wecanconnect.org www.wecanconnect.org Women’s Network of York 11:30 a.m.

3rd Tuesday of the month White Rose at Bridgewater 601 Chestnut Hill Road, York Theresa LaCesa, President womensnetworkofyork.com www.facebook.com/wnyork

executive officer of Encompass Health Rehabilitation Hospital of York, formerly known as HealthSouth Rehabilitation Hospital of York. Fitzgerald will oversee the hospital’s day-to-day operations as well as patient care and quality.

Celebrate your achievements!

Did you or someone in your organization get a promotion? Did you hire someone spectacular? Did you or your company receive an award?

BusinessWoman magazine would love to let the world know!

Upload your picture(s) and information at: businesswomanpa.com/career-moves-achievements Email your announcements of career advancements and professional new hires to crupp@onlinepub.com. Photos should be saved as a tiff, jpeg, pdf or eps at 300 dpi.

Mail to: BUSINESSWOMAN, 3912 Abel Drive, Columbia, PA 17512.

Photos sent through mail will not be returned. Please – no duplicate releases.

The help caregivers need to be well informed about support, assistance, and services Features: Articles • Directory of Providers Ancillary and Support Services For a free copy, call 717.285.1350, or go online to read the e-dition BusinessWomanPa.com/ caregiver-solutions

CAREGIVER SOLUTIONS

A key resource for individuals who work and provide care to a loved one.

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November 2019

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Connections

Central PA Association for Female Executives (CPAFE) 1st Wednesday of each month Refer to website for the meeting location Lori Zimmerman, President 717.648.0766 www.cpafe.org

Insurance Professionals of Lancaster County (IPLC) 5:45 p.m.

3rd Tuesday of the month, Sept. – May Heritage Hotel 500 Centerville Road, Lancaster Krista Reed, Treasurer kristamariereed@gmail.com www.internationalinsuranceprofessionals.org

Watch

Women to

Call your friends, mark your calendar, and join us for the Expo!

See pag e 18 for more details!

omen’s Expo Cumberland County

Nov. 9, 2019 9 a.m. – 2 p.m.

Carlisle Expo Center 100 K Street Carlisle

Beauty Home Health Shopping Finance Technology Nutrition

aGreatWayToSpendMyDay.com 717.770.0140 • 717.285.1350

FREE advance guest registration online! ($5 at the door) COMMUNITY OUTREACH SPONSOR:

SUPPORTING SPONSOR: Agora Cyber Charter School MEDIA SPONSORS:

717.285.1350

SEMINAR SPONSOR: BeBalanced

VISITOR Bag SPONSOR: UPMC Pinnacle

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