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Women in Business


Welcome to our Women in Business special section. We hope you find the information instrumental for not only your business but also your life as a whole. For advertising please contact Hazel Borden at 425-334-9252 Publisher Desiree Cahoon Editor Pam Stevens Special Supplements Hazel Borden Art Director Shane Kantzer Graphic Designers Heather Ream & Kelcey Hatch Office Manager Nancy Shields Office Assistant Michelle Templeton

Lake Stevens Journal 1909 Main Street P. O. Box 896 Lake Stevens, WA 98258 425 -334-9252 fax 425-334-9239

Lake Stevens Journal March 18, 2009


within the Lake Stevens community BY PAM STEVENS | EDITOR “Women bring a positive, can-do, attitude into the workplace,� Desiree Cahoon, Publisher of the Lake Stevens Journal said. “Many have a genuine passion for the work they are investing their time and often their own money into. I enjoy working with women because they are organized, even when they feel overwhelmed; they are able to multi-task and handle just about any situation.� The women on our front cover are no exception. It takes a village to keep a community going and this elite group of women, among many others living and working within the community, are making a difference each and every day. Many have heard their names, but most may not know their faces or the reasons they do what they do. Each of them has a passion for their work and a love of the Lake Stevens community. Lake Stevens City Administrator Jan Berg, has worked for the City of Lake Stevens since 1997. She got her start in government working for the State of Washington for six years and then moved on to the City of Marysville. She is now a prominent leader in the Lake Stevens community.

Her father’s example throughout her life sparked her interest in community work. “Growing up my dad worked in local government working his way through the Seattle Police Department all the way to Chief of Police in Mount Vernon,� Berg said. “I saw how being involved in the local community you could make a difference.�    Over the past eight years, Berg has jumped into our community with both feet and has seen how people in Lake Stevens come together for the good of their friends and neighbors. “I have never seen a community so involved and dedicated as the citizens of the Lake Stevens’ community.  The service clubs, non-profit groups, volunteers and neighbors working together for the better-

ment of the citizens,� she said. “I am very lucky and proud to have the opportunity to work alongside many amazing people.� Spending time with her daughter is an important part of Berg’s life and she feels that Lake Stevens residents understand the importance of family. “I have been extremely lucky to work in an environment that values family and am able to spend quality time with my daughter,� she said. A 25-year veteran of the Lake Stevens School District, Community Relations Director Arlene Hulten has seen much growth and innumerable changes within the school district and the community. For Hulten, her work is about keeping


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Dear Community Readers, As Publisher of the Lake Stevens Journal, I’m proud to recognize the women who contribute to the success of producing a weekly newspaper. From gathering and writing the news, selling advertising, billing customers, answering telephones and e-mails, inserting special supplements, these women are a dynamic force in our work place. I couldn’t ask for a more competent group of women to be associated with. They take pride in their work and the product we produce every week. It is because of this we can deliver a reliable source of community news, events, sports and provide local businesses an excellent vehicle where over 50,000 readers see their message. Thank you ladies for being part of your hometown newspaper. I salute you. I would also like to recognize Shane Kantzer. Although Shane is not a woman he has endured 13 years with mostly women. Most mere mortal men could never achieve such a feat. Publisher/President

Pam Stevens Managing Editor

Nancy Shields Office Manager Accounts Rec.

Michelle Templeton Front Desk/Calendar

Hazel Borden Advertising

Patsy Nelson Inserts/Distribution

Stacy Cannon Inserts/Distribution

Kim Margerum Inserts/Distribution

Joy Hunt Inserts/Distribution


Lake Stevens Journal March 18, 2009

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Women in Business

WOMEN FROM PAGE 2 citizens informed about what is happening within their school district. “In my role I strive to keep open communications with our community about the students, staff and programs in our schools,’ Hulten said. “I strive to invite the community into our schools to use the facilities that truly belong to them. Events such as the Dickens Fair and the District wide Volunteer Celebration are such examples.  Our facilities are available to the c o m munity and non- profits to use at reasonable rates and are booked throughout the year.  Two-way open communication about our schools is always my first goal.  I strive to inform and involve the community in our school district.� Working in a growing community and within a school district, it is evident that it takes many to keep a community growing and moving forward, Hulten points out.  “As the saying goes, it takes a village,� she said. “Our community enjoys a balance of dedicated women and men (students too) that are dedicated to the success of our community as a whole which includes schools, civic organizations, business and non-profit organizations.  Balance is the key to the success and the women in these


roles speak by their actions and deeds, which is a huge asset to the success of our community.� In her spare time, Hulten enjoys volunteering for many organizations in the Snohomish County School Public Relations Co-Op and she is currently the PresidentElect of the Washington State Public Re-

owned shops. In their place we now have large corporate operated ‘box stores’. Convenient for the consumer but it changes the flavor of the community at large.� The Lake Stevens Journal has existed through a half-century of progression within the Lake Stevens community and has always been a fundamental source of information to the citizens living within the city.

direct mailed every week, allowing businesses to advertise in a reputable and reliable newspaper for pennies on the dollar,â€? she said. “It is our duty as a local newspaper to keep our readers up to date on local business affairs, including churches and non-profit organizations.â€? T h e Journal also provides Lake Stevens residents a place to share their talents within their own hometown. “As a local business the majority of our staff live in Lake Stevens and/or Granite Falls. We provide a venue for local writers/photographers to get their stories or photos in print or online,â€? Cahoon said. “The Lake Stevens Journal will celebrate its 50th anniversary next year. I’ve been truly blessed to spend the last 27 years with the Journal. I am so thankful to have a great staff, thousands of loyal readers and a business community that believes in their hometown newspaper. Because of you the Lake Stevens Journal has become the leader in local news, in print and online.â€? Diana Jackson, Financial Advisor for Edward Jones in Lake Stevens has a featured article on page 7 of this special section.Â

esir v i e t , i D c s o a p � n , a e do, attitu ng plac k i r o r w e b h t d o t e n i n e m o lations Association, among other positions within the community. She also enjoys spending time with her family, traveling, reading and golfing. Desiree Cahoon is the Publisher of the Lake Stevens Journal and has seen many changes within the community since starting her career her at the Journal. “Over the last 25 years business has certainly changed in Lake Stevens,� Cahoon said. “I remember when we use to have a pharmacy downtown where the library sits today. For many years there was only one major market in Frontier Village. Originally known as the B&M. (I’m not kidding.) The market was named after the owners, Boggs and McLean. It wasn’t until the late 1980’s that B&M became Safeway. The biggest change to our business community is the loss of smaller, locally

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“I believe a local newspaper, like the Lake Stevens Journal, unites the community. People look to their hometown newspaper to find out what is happening in local government, schools, sports, and business,� Cahoon said. “The Journal is where families see photos of their sons and daughters. We celebrate local victories and mourn tragic loss. When something special occurs in or around our community, we report it. We look for stories that matter or have a direct impact upon the people who call Lake Stevens their home.� The Journal is also a vital piece of the business community within Lake Stevens offering other businesses an outlet where they can promote their business. “The Lake Stevens Journal benefits our business community. Our publication is


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Women in Business

Lake Stevens Journal March 18, 2009


f you ask most women to write their ideal job description, consistent raises, more family time and more “me time” would be essential. These three essentials are at the top of working women’s wish lists, according to the 2008 Ask A Working Woman Survey, an annual online survey conducted by Working America. The 20,000 survey respondents echoed what so many more working women are feeling these days. They want more time with their families, but can’t afford it. They want some time to themselves, but can’t get it. In fact, 72 percent of the working mothers surveyed said they had less than an hour to themselves a day. These are some of the very reasons that millions of women have turned away from traditional nineto-five office jobs and have found exactly what they’re looking for in the home-based business of direct sales. Direct selling is simply person-to-person selling, without the middle man of a retail store. Most often it’s done through fun and casual home parties where people gather to eat, talk and shop together. At a time when the U.S. economy is in recession, the stock market is down, unemployment is on the rise, consumer confidence is low and legendary retailers are closing their doors, the direct sales industry is strong. With stable, proven and growing companies, direct sales offers an opportunity to earn significant income quickly with minimal investment and risk, and more personal and family time. More and more women have found the direct sales industry to be an attractive career option. In 2007, U.S. direct sales exceeded $30.8 billion. Of the more than 15 million direct sellers nationwide, 87.9 percent are women. Approximately 90 percent of direct sellers operate their businesses part-time, leaving them more time for family and themselves. From recent college graduates to stay-at-home moms, working professionals to retirees looking for something more satisfying, women are finding that with a career in direct sales, they can design the life they’ve always wanted.

Success Story

Tips for choosing the right direct sales company for you It’s important to take your time evaluating any direct sales company you consider joining. Bonnie and Teresa offer these tips to help you find the company that is right for you. Passion for the Product. Join a company that you feel confident sharing their product. How do they ensure high quality and uniqueness? Does the product have a lifetime guarantee? The more passion and confidence you have in your product, the easier it is to sell. Initial Investment. Evaluate the cost of beginning your own business, how quickly you can expect to recoup your initial investment, and what the company offers to continue to support you as your business grows. Ask what incentives they have in place for new representatives to support them in the beginning of their business. At Silpada, for example, representatives do not carry inventory. Their initial investment is for their jewelry that they can wear and display at their home parties. On average, representatives make up their initial business investment within the first four to six home parties.

In 1997, Bonnie Kelly and Teresa Walsh were two stay-at-home moms looking for a way to earn extra money without sacrificing personal and family time. They started Silpada Designs, a direct sales company specializing in handcrafted sterling silver jewelry. Today, Silpada is the largest direct seller, and one of the top retailers, of sterling silver jewelry in the United States. In 2008, the company exceeded $265 million in retail sales. Its more Fair and Competitive than 27,000 U.S. representatives had more than 275,000 home Join a company that you feel confident sharing their product. Compensation. parties, distributing more than eight million pieces of jewelry. Ask questions regarding the Kelly and Walsh turned a passion for jewelry into a business direct profit, override commisthat provided financial freedom, flexibility and, most imporsions and pay structure of the company’s compensation plan. It’s important tantly, a way to infuse some fun into every day — a goal for to feel confident that the company you choose has a fair and competitive any woman trying to juggle work and home life while maincompensation plan and that you can continue to increase your earnings as taining her own sense of self. your grow your business. “It’s all about empowering women with a wonderful business opportunity and creating lifelong friendships,” Kelly said. Great Customer Service. “Silpada means ‘the best of everything,’ and that’s what we Your customers are your current and future business, so it is important that really try to focus on. It’s more than jewelry, it’s more than a the company you choose is customer focused. Make sure to ask questions job. It’s a lifestyle.” such as: What does the company do to support its customers? Do customers Bonnie Kelly and Teresa Walsh, Walsh adds, “We believe that success doesn’t come from the have to pay for their returns? The better your customers are taken care of founders of Silpada Designs degrees you have or the initial investment you make, but from the better your business will be. a passion to design the life you want. You can make your goals and dreams as big as you want them to be or as simple as you Training and Support. need them to be. With a company like Silpada, if you want a little time away or dream of redecorating your house or Ensure that the company you join is dedicated to helping you achieve the need to take on your family’s expenses, you can.” success you are looking for. What type of training do they offer? How will Kelly and Walsh want to encourage women of all ages to take charge of their lives and consider a home-based busithey support your business? Is there a cost involved? What types of training ness. “It’s a way to achieve financial freedom, increase self-confidence, and maintain a work-life balance that blends events are company sponsored? with any lifestyle,” Walsh says. “We are inspired on a daily basis by our representatives’ emotional stories about how owning their own business and having control of their income has had a positive impact on their families,” Kelly said. To find out more about Silpada or to learn about becoming a representative, visit

Lake Stevens Journal March 18, 2009

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Women in Business

Tips for working from home (StatePoint) With over 24 million Americans working from home, either part-time or full-time, a person’s house has to be more than a castle -- it has to be a place to get things done. Whether you’re telecommuting to a job or running a business out of your house, you’ll need more than a desk, a phone and the discipline to buckle down and keep away from the TV. To get the most out of working from home -- without slacking off or becoming a workaholic who never sees the family -- you’ll need to get organized and equipped with the right communications technology. “Communications technology is the bedrock; to make it easy to manage information and communicate within a company and with customers,” says William Stofega, an IDC technology analyst who specializes in issues relating to small businesses. Home workers need many of the same technologies as large businesses -- like phones, mobile devices and instant messaging -- but they need them to be simpler. “They want solutions, not just products. They need technology to solve problems to free up time for dinner with the family,” says Bill Taylor, Vice President of Panasonic’s Communications Solutions Group.

Here are some tips on making working from home more productive: * Separate Work From Home Life: Establish a private space for a properly-furnished home office where you can close the door. Separation is about more than physical space, however. Create a work schedule and stick to it, making sure to keep channels of communication open to your boss or customers, and always hit deadlines. Be sure your schedule has an end time where you switch back to “home and family mode.” * Make Rugged Choices: Just as you wouldn’t choose a rickety desk, select equipment that stands up to hard work. Choose business-class computers and phones that are optimized for small or medium-sized businesses. For instance, Panasonic has a new line of Multi-Cell DECT 6.0 telephones that include models with ruggedized handsets that are resistant to drops and coffee spills. Go for the optional headset to communicate hands-free so you can multitask while talking. * Limit Distractions: The kids, Choose phone and computer equipment pets, TV and even the phone, email and your refrigerator all can be disthat stands up to hard work.

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tractions. Don’t get sidetracked. Some home workers find it easiest to schedule lunchtime, break times and even set aside specific times to make phone calls or answer emails. Figure out what works best for you. * Rely On Technology To Make Life Easier: Today’s technology can help you communicate and collaborate efficiently with colleagues or customers. If you telecommute to work, find out if your calls can be routed to your home phone or even your computer and how to transfer calls between your home and your colleagues. If your company uses a system such as Panasonic’s new KX-NCP500 or NCP1000 Network Communications Platform, you can have your work calls follow you to your home or mobile phone, making your house sound like part of the bigger enterprise. Such technology provides flexibility and growth, allowing you to connect speakerphones or network cameras for videoconferencing. For more tips on new home office technology, visit “One out of every two workers is either operating a small business or employed by one,” points out Taylor. “Working from home is particularly attractive to many of these companies, but it’s all about staying well connected.”

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Lake Stevens Journal March 18, 2009

Women in Business

How today’s businesswomen s t r i ke a w o r k- l i f e b a l a n c e (ARA) - Gone are the days when women were expected to stay at home to dote on their children and husbands. Today’s women have broken through the glass ceiling and are finding their way to corner offices around the country. Juggling life both inside and outside the home can be a challenge -- that’s why it’s important to strike the proper balance between work and personal lives. Luckily, there are specific strategies that women can implement to strike a healthier balance.


Leave work at work

With cell phones, laptops, PDAs and home offices, it has become blurry when the workday begins and ends. Be sure to separate your personal time from professional time by turning off your connections to the working world and turning on your connections with your family and friends.

Find work that works

With today’s struggling economy and families requiring dual incomes, finding an employer that offers flexibility is often the key to both a successful career and personal life. And finding employers with this approach may be easier than you think. For example, The HON Company, a leading manufacturer of office furniture, understands the importance of family and instills a culture that enables work-life balance. Beyond creating quality office furniture that creates a comfortable, flexible and “home-like� work setting, HON offers its members perks such as flexible spending accounts to help offset the costs of daycare, local YMCA fitness center allowances and family-oriented activities. “A member committee plans monthly outings and provides opportunities for members to purchase discounted passes for local family events,� says Tim Heth, vice president of member and community relations for HON. “Additionally, members are allotted one hour of paid volunteer time each week to utilize in any way they wish -- from local Habitat for Humanity projects to their children’s PTA. Each benefit


Learn to say no helps improve employee morale for both our female and male members.� “Make sure you go to work with someone that has the same philosophy as you do,� says Tammy Vasilatos, owner of Tammy Vasilatos CPA, LLC, a 100 percent female accounting firm in El Paso, Tex. Vasilatos has created a family-friendly work atmosphere by offering flexible work schedules to her employees. She adds, “Don’t give up what you want, because you don’t need to do that anymore. The women before us had to, but we don’t.� “I am more understanding of the importance of work-life balance,� says Michelle Horan, president and owner of Salka Office Furniture, a full-service office dealer in Meridian, Conn. “I am very flexible with hours and time off. I believe that taking

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care of good employees and customers is what leads to success.�

Set realistic time schedules

While work deadlines are a necessary evil that you must complete, will anything bad happen if the dishes don’t get done or the bed isn’t made every day? No - so don’t sweat the small stuff. Start each week with a realistic “to-do list� for both your work and home life. Check yourself each day to ensure that you are making progress and that your time allowances are in check. By the end of the work week, if you’ve completed enough tasks each day, your weekend can truly be enjoyed. And don’t sweat it if you didn’t get to the household chores. If you need to, you can hire a professional cleaning or landscaping service.

If you’re a parent, you are probably a pro at saying “no� to your kids, so learn how to respectfully say no to projects that don’t fit within your schedule. Whether it’s taking the lead on a project at work, or coaching a soccer team, it’s okay to say no to projects that will bring you more stress than joy. As long as you are honest with your employers, they will most likely understand. “Don’t be embarrassed or apologetic that you want to have both a career and a family,� adds Vasilatos. “Employers just want good quality work.� Plus, if you are in over your head, you may not be putting in your best work anyway. While striking a work-life balance in today’s fast-paced world isn’t an easy task, by following these few guidelines, it is possible. “Now is a wonderful time to be a woman in the workforce,� says Vasilatos. “You really can have it all!�

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Women in Business

Smart moves can help women Insurance agent’s life tragedies achieve financial goals bring focus to what matters most DIANA JACKSON | EDWARD JONES CONSULTANT All of us face challenges in our efforts to achieve our long-term goals, such as a comfortable retirement. But if you’re a woman, the unfortunate truth is that you may have more hurdles to overcome than a man. However, knowledge is power, and as long as you are aware of what you are up against, you can take steps to boost your chances for success. What are the special issues facing women? Here are a few to ponder: • Longer life expectancies than men — No matter when you were born, your life expectancy is going to be longer than that of your male age-group peers. Obviously, these “extra” years of life mean more expenses. • Lower earnings than men — In 2006, women who worked full time earned, on average, 81 percent of what their male counterparts earned, according to the U.S. Bureau of Labor Statistics. In the future, this gap may narrow, because the earnings of younger women entering the work force today are very close to those of men. But if you’ve been in the workforce for many years, there’s a good chance that your earnings trail those of your male peers. • More time out of the workforce — To raise their families, women spend far more time out of the workforce than men. During those years away, women are not contributing to Social Security, pension plans or 401(k) plans — which means they’ll have less retirement savings than men. These figures may seem somewhat depressing, but they don’t have to lead to gloomy results. You can actually do quite

a bit to improve your financial fortunes. Consider these suggestions: • Take an active interest in your investments. Whether you are single or married, make sure you are familiar with your investment portfolio. Know what you own and why you own it. Work with a financial advisor who understands your goals and risk tolerance and who can help you make the right choices for your individual situation. • Contribute as much as you can to your retirement plans. Each year, put in as much as you can afford to your 401(k) or other employer-sponsored retirement plan. And when you get a raise, increase your contributions. Also, if you don’t have a traditional or Roth IRA, open one — and try to fully fund it each year. • Invest for growth. Some evidence suggests that women may be more conservative investors than men. But if you’re going to achieve your long-term objectives, you’ll need to invest for growth. That means you’ll need a certain amount of your portfolio devoted to stocks. It’s true, of course, that you can lose some — or even all — of your principal in stocks. But if you purchase a variety of quality stocks and hold them for the long term, you may be able to reduce the effects of market volatility and potentially earn a rate of return that can help you make progress toward your objectives. You may not be able to singlehandedly change the social and institutional forces that can create problems for women striving to achieve their long-term goals. But by becoming an informed, active investor, you can improve your chances of achieving the financial freedom you deserve.

vans with kids to visit, church members who rotated times to help, horse people in Michol Phillips was a 34-year-old the area who came to get my horse, neighmother with four children when her hus- bors who rebuilt the fence in my pasture band was tragically killed in a motorcycle and fed my dog every day, strangers who accident 11 years ago. Now, more than a called to help and food just delivered to decade later, Phillips is an insurance agent my home.”   working for American Family Insurance in She is now working with SkyValley DiMonroe, Wash. with first hand knowledge saster Relief and of the benefits she also decided to of not just life become an insurinsurance but The value of having insurance ance agent.  other insurance is real to me.  No matter what “I really feel that options as well. I am helping peotype of insurance it is, it has “My first husple in a way that the power to hold up your life band, my high most do not even school sweetwhile the reality of your situation realize,” she exheart, died tragiplains. “The value seems overwhelming. cally in a motorof having insurance cycle accident is real to me.  No at the age of 39.  matter what type of His life insurance took care of us.  I was insurance it is, it has the power to hold up not able to work for a few years, trying to your life while the reality of your situation balance the loss, school, counseling and seems overwhelming.” family grief,” Phillips said. “My older kids Insurance agents, as with most other have now graduated from college, have good jobs and families of their own.  In- careers, bring individual strengths and surance offered them a  whole life that I weaknesses to their field of choice. “I feel that men and women bring to would not have been able to offer them without it.  It’s been 11 years now and even their work, different strengths,” Phillips though the pain of loss does not go away, explains. “Compassion and empathy are virtues that society allows women to share the comfort of planning was real.” Nine years later, Phillips’ family was in a more open atmosphere.” Snohomish County residents have many once again struck with tragedy when her then, 13-year-old son, received a traumatic insurance needs including life, health, brain injury from an accident. The out- auto, home and flood insurance. pouring of love from friends and neighbors “Snohomish County geographically within the community was overwhelming lends itself to the need of flood insurance,” and Phillips has taken it upon herself to Phillips said. “American Family offers all “pay- back” her community. types of insurance, but when specifically “When Paul was in the hospital our com- talking about Snohomish County, we need munity was ready to help me,” she said. “I to focus on Property and Flood.  The need had people in our community that loaded is great.”


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Lake Stevens Journal March 18, 2009

Women in Business

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Lake Stevens Journal 1909 Main Street P. O. Box 896 Lake Stevens, WA 98258 425 -334-9252 fax 425-334-9239 Patsy N...

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