Woman Newspapers, Cumberland County, March/April 2017

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CUMBERLAND COUNTY EDITION MARCH & APRIL 2017

IN THIS ISSUE:

Brenda Tadych: Hooked On Seconds

Save, Spend or Share: Easy Or Difficult?

PAGE 12

PAGE 14

VACATION DESTINATIONS:

Stretching Your Dollar In 2017 PAGE 20

Easter means many different things to many different people.

But, let’s be honest. The candy is pretty important. The treats that fill our Easter baskets are many and they are all delicious, but three top the list as Easter basket classics.

Let’s begin with the treat you either love or hate…Peeps. Put simply, Peeps are marshmallows rolled in sugar. There is no middle ground with Peeps. You say the word, and people either squeal with delight or recoil in disgust. Either way, they are an Easter staple. Peeps were given birth by a man named Sam Born, who founded the Just Born Candy Company in 1953. The company acquired the Rodda Candy Company, which included a marshmallow chick line. Sam’s brother-in-law Bob helped to mass-produce the treats, and Peeps began their marshmallow monopoly.

Peeps were named for the original chick shape, but have since branched out—way out.

Today, you can get Peeps for almost any holiday. Christmas results in tree- and snowman-shaped Peeps. Halloween results in pumpkin- and bat-shaped Peeps. Plus, the flavors and colors have expanded over the years. In 1995, lavender was added to the existing color line of yellow, pink and white. You can even get chocolate-flavored Peeps. As mentioned above, there are Peep haters and Peep lovers, but a subgroup does exist. They are the Peep lovers who are split between eating the candy fresh out of the package or letting it sit out and get a little crunchy.

The next sweet Easter treat is arguably the most traditional, jelly beans. The origin of jelly beans is somewhat blurry, but it is believed they were born of a combination of Turkish Delight and Jordan Almonds. Turkish Delight is a jelly candy coated in powdered sugar. Jordan Almonds are almonds covered in a hard candy shell. The two concepts were merged and jelly beans were born.

Jelly beans hit their stride in the United States in the early 20th century, but it wasn’t until the 1930s that they became associated with Easter. The bean stayed pretty standard until 1976. That’s when the world was introduced to Jelly Belly jelly beans. These beans took the concept to a whole new level. They were flavored inside and out and came in a variety of flavors. Some of the wackier flavors include popcorn and cantaloupe.

The Easter candy completing the big three is, of course, the chocolate bunny. Tens of millions of these cocoa hares are produced each year. That’s a big number considering they are not like jelly beans, which can be found year-round. Chocolate bunnies came to the United States in 1842 when Stephen Whitman founded Whitman’s Chocolates. Since then, the bunnies have expanded. They can now be found in a variety of flavors. You can even get them hollow or solid.

Some people wonder why these treats were ever made hollow when a solid bunny gives you more chocolate. The answer is simple. Hollow bunnies are easier to eat.

Having a sweet treat is great anytime, but Easter gives you an excuse to really sink your teeth into some candy classics. It doesn’t matter if you’re filling an Easter basket or raiding one, you’ll probably see at least one of the big three.

Photo: In The Moment Photography by Hollis.

Publisher’s Note Is it cheating if I don’t get caught?

We’ve all had those moments where, technically, we CAN do what we want but then that little voice inside our head says, “Wait up, girl. You’re gonna regret this.”

One of the things we learn when we put on our big-girl pants is that just because we can, doesn’t mean we should (one of my mother’s countless lessons.) Just because we can have a cream-filled donut doesn’t mean it’s good for us. Just because that bottle of wine is sitting in the fridge and we’ve had a really, really bad day doesn’t mean we have the green light to drink the whole bottle tonight.

In other words, just because we have the ability, doesn’t mean it’s the right choice. And it’s not always an either/or scenario. When you live in a free country you can, for the most part, do as you please. But with freedom comes responsibility. Just because you can say and do things, doesn’t mean you should. Here are some simple life lessons I’ve learned: • You can spend all your free time on Facebook and post whatever’s on your mind but don’t mistake your every thought as share-worthy. If you wouldn’t say it to someone’s face then you shouldn’t post it on social media.

• You can procrastinate on a hateful task (I’m looking at you, dirty dishes) but that still won’t magically eliminate having to do it. In fact, putting it off almost always makes it worse.

• You can blame others for your circumstances but the world doesn’t owe you happiness, health, love, respect or money. You can’t be a victim and a success at the same time.

• You can buy just about anything you’ve ever desired with a credit card but if you can’t afford to pay off the balance at the end of the month, you shouldn’t make the purchase.

LOUISE SUKLE Editor & Publisher

Freedom of choice is not about doing whatever you want; it is the willpower to do what’s right. The right choice is what you know you SHOULD be doing. We all need to remember that.

EDITOR & PUBLISHER Louise Sukle lsukle@womannewspapers.com SALES MANAGER Dave Brown daveb@pressandjournal.com ACCOUNT EXECTUTIVES DAUPHIN COUNTY: Tina Rinehart (717) 421-3247 tinarinehart@pressandjournal.com CUMBERLAND COUNTY: Lauren Kanovich (717) 678-4826 laurenkanovich@pressandjournal.com CREATIVE DIRECTOR Julianna Sukle juliannasukle@pressandjournal.com

CONTRIBUTORS

Erika Farber erika.farber@gmail.com Erika has spent many years as a strong and independent force in both the restaurant business and online dating scene, and she has chosen this medium to share her successes and failures in both. Recounting the adventures that have shaped her life has enhanced her growth and ignited her passion for writing. Find her online at womannewspapers.com/Erika-Farber

Deb Baer Becker dbbecker2@yahoo.com

Brenda Tadych sumthin2say@hotmail.com

Deb advocates for women’s breast health, and writes about her experience surviving breast cancer. She’s writing a book about her years as a young airman with the USAF Thunderbirds. She holds an MFA in Writing from Pacific University, and is the proud mother of two adult-sized children and two rescued dogs. She lives in Houston, Texas, but dreams of her native Pennsylvania’s rolling hills and cut-away fields. Find her online at womannewspapers.com/Deb-Baer-Becker

Woman Newspapers are free bimonthly publications of Press And Journal Publications.

All rights reserved. For submission requirements, e-mail info@womannewspapers.com.

No part of the newspapers may be reprinted or duplicated without permission.

Visit us online at womannewspapers.com Press And Journal Publications | (717) 944-4628 | 20 S. Union St., Middletown, PA 17057

Brenda Tadych is a lifelong resident of Dauphin County, currently residing in Middletown. Find her online at womannewspapers.com/Brenda-Tadych and her blog brendasumthin2say.blogspot.com

Katie Etter Jenkins katie@womannewspapers.com Katie was born with Press And Journal newspaper ink in her veins. She stuffed newspapers when she was a teenager (way back when one had to do these things by hand) and had articles published as well. She is a Penn State Harrisburg grad with a degree in elementary education. She is a stayat-home mama, chauffeur, personal chef and organizer. She loves her family, vinyl records, cooking, gardening, the New Orleans Saints and a clean house. Katie lives in Lake Wynonah, in the mountains of PA, with her husband Troy and two gorgeous daughters, Maya & Charley.

MARCH & APRIL 2017 Woman Newspapers 3

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money is the topic of conversation in many gatherings. it seems everyone has an opinion of some kind about its use, nature or purpose. can you match the following names with their remarks about finances, saving and budgeting?

A. A budget is telling your money where to go, instead of wondering where it went.

B. We can tell our values by looking at our checkbook stubs.

C. Save one-third, live on one-third, and give away one-third.

D. Someone’s sitting in the shade today because someone planted a tree a long time ago.

E. You can be young without money, but you can’t be old without it.

F. You can become truly accomplished at something you love. don’t make money your goal. Instead, pursue the things you love doing, and then do them so well that people can’t take their eyes off you.

G. Beware of little expenses; a small leak will sink a great ship.

H. It takes as much energy to wish as it does to plan.

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Woman Newspapers MARCH & APRIL 2017

I. Stop buying things you don’t need to impress people you don’t even like.

J. When I was young I used to think that money was the most important thing in life; now that I am old, I know it is.

K. Be thankful for what you have; you’ll end up having more.

If you concentrate on what you don’t have, you will never, ever have enough.

L. Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this.

M. Don’t tell me what you value; show me your budget and I’ll tell you what you value.

N. If you can count your money, you don’t have a billion dollars.

Answers: 1-F, 2-M, 3-D, 4-G, 5-N, 6-C, 7-A, 8-I, 9-L, 10-H, 11-B, 12-J, 13-E, 14-K

$aid That?

Tax time: What’s changed? by jan l. brown, attorney at law

Yes, it is that time of year again.

Below are updates on the slight increases in tax brackets, the standard deduction, the federal estate tax exemption and an update on new IRS actions regarding identity theft and tax refunds.

Federal Income Tax Brackets. The tax brackets increased slightly in 2016. For singles, the 10% tax bracket rate rose from$17,850 to $18,550, meaning single persons making $18,550 or less, after deductions, pay income tax at a 10% rate. Persons who are high income earners and married and make an annual income of $466,950, after deductions, pay an income tax rate of 39.6%. This amount increased from $450,000 in 2015. All the tax brackets went up slightly.

Federal Income Tax Personal Exemption. This also increased but ever so slightly, from $4,000 in 2015 to $4,050 in 2016.

Federal Estate Tax Exemption. Also known as the federal death tax, this tax applies to the estates of persons who die and leave very large estates. The estate must have over $5,450,000 (after deductions). If someone is married, they can exclude or exempt $10,900,000 (after deductions). The tax is accessed for money over the exemption amount and starts at an18% rate all the way up to a 40% maximum tax rate. The exemption amount increases every year and in 2016 it increased $20,000 per person ($40,000 for married persons).

Identification Theft Problems and Tax Refunds. It is

WHO

estimated that over 3 million fraudulent refunds were filed last year, most of them from tax refund ID theft. Billions of dollars are stolen each year by thieves who steal people’s identity and personal information and then file for tax refunds. The IRS has new systems in place to reduce these thefts. If you are eligible for a tax refund, it is advisable to file your taxes early so that you receive your refund before anyone else tries to claim it. Protect your social security number and be very careful who you give it to. If you get a call from the IRS, remember the IRS never asks for your social security number over the phone. If you get a call and the caller identifies themselves as from the IRS and asks for your social security number, hang up or take down the number and call the IRS to report the scammer.

There are many taxes other than the above that are analyzed when an estate plan and legal documents are prepared. Having an attorney who is well versed in tax law and estate planning is important to help keep taxes at the minimum for the individual, the estate and families.

Jan L Brown and Associates is a law firm founded in 1993 to help families. The firm has over 49 years of combined experience and practices exclusively in the areas of estate planning, probate and elder law. Estate planning includes Wills, Powers of Attorneys, Living Wills, Trusts, Tax Planning, Special Needs Trusts and Guardianships. Elder law addresses the legal issues of seniors, their families and those who care for them including obtaining benefits, such as Medicare, Medicaid and VA benefits and protecting assets from nursing home care costs. The information presented is for educational purposes only and should not be taken as legal advice as every client and situation is different and requires specific review and analysis. If you would like an appointment, please call (717) 541- 5550.

makes the financial decisions in your house?

The Law Office for Older Persons Their Families

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Jan L. Brown & Associates Attorneys-at-Law

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In of all households, it’s a woman.

Jan L. Brown, Esq.

Practice Exclusively In: •E state Planning & Probate: Wills, Trusts, Powers of Attorney, Tax Planning, Special Needs Trusts

Jacqueline Kelly, Esq. CELA Certified Elder Law Attorney

•E lder Law: Protecting Assets From Nursing Home Costs, Qualifying for Benefits, Incapacity Planning

845 Sir Thomas Court, Harrisburg 17109

We’re your market.

Tina Rinehart (717) 421-3247 tinarinehart@pressandjournal.com Dauphin Co. Senior Account Excecutive

Lauren Kanovich (717) 678-4826 laurenkanovich@pressandjournal.com Cumberland Co. Account Excecutive

(717) 541-5550 www.janbrownlaw.com

Members of the National Academy of Elder Law Attorneys

MARCH & APRIL 2017 Woman Newspapers 5

Time to talk about safety Guns are an intimate subject.

Let our experts help walk you through it.

T There are several important characteristics to consider when buying a gun. We are here to help you select the right gun, whether you are a first time buyer, or in the market for a new gun.

Lanco Tactical, LLC Your Premier Tactical Authority

498 W. High St., Elizabethtown * 717.367.7221 www.lancotactical.com

GIFT CARDS MAKE A PERFECT GIFT! (any amount available)

by nathan lamb & julie lamb owners, lanco tactical, llc

If there are children in your home, precautions must be taken to keep them from finding and handling the family’s firearms.

Children often handle guns without their parents’ knowledge; in one study, 22% of parents who believed that their children had never handled the guns in the home were contradicted by the children themselves.1 “Nearly all firearm accidents in the home can be prevented when gun owners take simple precautions, and proper storage is the number one way to help prevent accidents‚" said Steve Sanetti, National Shooting Sports Foundation (NSSF) president and CEO. NSSF's top ten safety tips include: •Always keep the firearm's muzzle pointed in a safe direction, meaning the gun is pointed so that even if an accidental discharge occurred, it would not result in injury.

•Always keep your finger off the trigger until you actually intend to shoot. When handling a gun, rest your finger outside the trigger guard or along the side of the gun. Don't touch the trigger until you are actually ready to fire.

•Firearms should be unloaded when not actually in use. Whenever you pick up a gun, such as when removing it from or returning it to storage, remember to point it in a safe direction

and make sure it is unloaded.

•Be sure you know how your firearm operates: read the manual on your firearm, know how to safely open and close the action of the firearm and know how to safely remove any ammunition from the firearm and its magazine.

•Store your firearms in a locked cabinet, safe, gun vault or storage case when not in use, ensuring they are in a location inaccessible by children and cannot be handled by anyone without your permission.

•Store your ammunition in a locked location separate from firearms.

•Use a gun locking device that renders the firearm inoperable when not in use. A gun lock should be used as an additional safety precaution and not as a substitute for secure storage.

•Make sure young people in your home are aware of and understand the safety guidelines concerning firearms.

•Always unload, clean and place your firearms in their secure storage location immediately after returning from a hunting trip or a day at the range.

•Educate everyone in your family about firearms safety.

These tips and others tools and information about safe and responsible firearm storage are available at projectchildsafe.org. archpedi.jamanetwork.com/article.aspx?articleid=204929Dealer.

1

Stop by our store located at 498 West High Street in Elizabethtown, PA 17022, call us at 717.367.7221 or visit our website http:/www.lancotactical.com

BATURINLAW&FIRMBATURIN A family of attorneys since 1917 FAMILY LAW • Divorce • Support • Custody • Adoptions

CRIMINAL LAW

• DUI • Motor Vehicle Offenses • Drug and other Criminal Offenses • Juvenile Offenses

Where to find a

ADMINISTRATIVE LAW Madelaine N. Baturin, Esq.

• License Suspensions and PennDOT Issues • Unemployment Compensation • Due Process Hearings

REAL ESTATE/ESTATES • Landlord/Tenant • Real Estate Transactions • Wills/POA

2604 N. SECOND STREET HARRISBURG, PA 17110 717.234.2427 Cell 717.329.6809 FAX 717.234.7544

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Woman Newspapers MARCH & APRIL 2017

womannewspapers.com/find-a-woman

Confessions of a

By Katie Etter Jenkins

The world is… hold on, I’m weighing my words here… a bit off-kilter these days and it’s a lot to process. If you know me at all, you will know who this hippie did not vote for, but that’s actually not what is on my mind.

I feel that in these rough, unsure and scary times, we all need an escape. Something that takes our minds off of fear or worry or anger. For me, it’s sports. Yes, I’m still at yoga every Tuesday night, but it turns out that isn’t enough.

So, I turn to sports. To know me is to know my love of football - and I don’t mean I like it, I L-O-V-E it. My love for the New Orleans Saints is very real. Troy and I went to New Orleans on our honeymoon in 2004. I fell in love with every aspect of that city, and when Hurricane Katrina struck I was devastated.

I can vividly remember sitting down to watch that first home game back in the Superdome in 2006. It was a Monday night game, and they played their bitter rival (a.k.a. hated with the fire of a thousand suns): the Atlanta Falcons. In an historical play, Saints’ safety Steve Gleason blocked that kick, the Saints scored their first home game touchdown, and I sat there and I cried. I knew then that I had found ‘My Team’.

Every Sunday, I watch the game in my Saints gear and scare my children by screaming at my television. I love the game so much and I don’t take losses very well. At all. Ever. I’m what you would call “emotionally invested”.

It’s not just Sunday Night NFL games, though. My high school football team was undefeated, so I was constantly checking their stats. The school district my daughter attends only had one loss this season, so naturally I read about how they did and where they’re going. Troy and I will watch Penn State games together, and my New Orleans love has carried over to college football as well (I’m talking to YOU, LSU).

But wait, the Flyers are on? I’ll watch it!

The hockey highlight channel where they flip around and show the best hockey plays of the night? Yep, I’ll watch that, too. Is there a basketball game on? Who’s playing?

I don’t care, I’ll watch it anyway. And look, the Cubbies just won the World Series after 108 years! Fly the W!!

There’s never much on TV these days anyway, and the news is just so… depressing. Sports are my way to give myself a break. By cheering for something, or even against someone else, (I’m talking to you, Atlanta) I’m giving my head a rest.

The ways of the world have so many of us tired these days, so be sure to do something that makes you happy. WHO DAT!

MARCH & APRIL 2017 Woman Newspapers 7

Financial control is a tactic used by abusers by rachel a. esterline, ncc, lpc - therapist

Domestic violence takes many forms, including physical, mental, emotional, sexual and financial abuse.

The definition of domestic abuse is a pattern of assaultive and coercive behaviors that someone uses against a current or former intimate partner.

Domestic violence is a purposeful act and pattern of destructive choices and actions by the person who abuses. We most often hear about physical, emotional, mental and sexual abuse that victims endure in relationships, which can cause visible and lasting effects for victims and their families. Often overlooked is financial abuse, which can be as controlling and damaging as all others. In fact, many victims report this as a reason that they cannot leave despite wanting to.

What is financial abuse? With this form of abuse, the person who abuses prevents victims from obtaining/maintaining financial security, which could lead to devastating results such as losing their home, their vehicle or not having enough money to buy necessities or to provide for their family’s basic needs. Those

who abuse will use finances to create a position of dominance, develop a power-and-control environment and to increase the hold on a victim, leaving one with no resources to leave the relationship. Tactics used by those who abuse include preventing their partners from working, restricting access to bank accounts and credit cards and limiting their use of liquid cash. The victim will endure very close monitoring of spending by the person abusing and may be highly restricted in money spent on items needed or wanted. This creates a situation where the victim is helpless in all areas of one’s life.

The decision to leave a relationship where domestic violence is occurring is very complex and scary for the victim. There are many factors that go into the choice to leave and they all have the potential to cause risk to self or others in the family system. Many victims of domestic violence communicate that the financial situation is one of the hardest variables to overcome and is a deterrent to leaving the abusive relationship. They fear they cannot provide for themselves or their families on their own.

If you believe you are a victim of domestic violence or you know someone who is in a violent domestic relationship, please contact Pennsylvania Coalition Against Domestic Violence at 1-800-799-SAFE (7233).

Rooted in a shared belief of hope and compassion, we strive to heal and restore those impacted by trauma through a combined practice of counseling, creative expression and wellness.

17 South 19th Street | Camp Hill 717-775-3380 www.c4hh.com

Monday-Thursday: 9am-9pm, Friday: 9am-3pm, Saturday: 9am-2pm

Ten commandments of buying a home Whether you are buying your first home, moving across town or refinancing your current mortgage, Fairway Independent Mortgage Corporation is here to help!

We offer several financing products that can help make homeownership more affordable with the speed and service you deserve.

Before you buy or refi, get pre-qualified!* Contact me today for more information!

Leanne Via Senior Mortgage Advisor NMLS #132408 Office: 717-591-3278 Mobile: 717-215-3184 Direct: 717-591-3278

leannev@fairwaymc.com www.loansvialeanne.com 1150 Lancaster Blvd, Ste 200 Mechanicsburg, PA 17055

Copyright©2016 Fairway Independent Mortgage Corporation. NMLS#2289. 4801 S. Biltmore Lane, Madison, WI 53718, 1-877-699-0353.

All rights reserved. *A pre-qualification is not an approval of credit and does not signify that underwriting requirements have been met.

This information is not intended to be an indication of loan qualification, loan approval or a commitment to lend. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice.

FW 986461 All products are subject to credit and property approval. Other restrictions and limitations may apply. Equal Housing Lender.

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Woman Newspapers MARCH & APRIL 2017

by leanne via, sr. mortgage advisor fairway mortgage

We know girls want to have fun. We love to have fun too! We can even have fun during the mortgage process; however there are a few golden rules that shouldn’t be broken when

buying a home.

Let’s talk about what kind of things not to do during the process. The following is what has been referred to as the Ten Commandments of Buying a Home: • Thou shalt not change jobs, become self employed, or quit your job.

• Thou shalt not buy a car, truck, or van (or

you may be living in it!).

• Th ou shalt not use credit cards excessively or let current accounts fall behind.

• Th ou shalt not spend money you have set aside for closing.

• Th ou shalt not omit debts or liabilities from your loan application.

• Th ou shalt not buy furniture.

• Th ou shalt not originate any inquiries into your credit.

• Th ou shalt not make large deposits without checking with you loan officer.

• Th ou shalt not change bank accounts.

• Th ou shalt not co-sign a loan for ANYONE! The unwritten 11th Commandment is: always get qualified before you buy or refinance with a licensed, reputable Mortgage Advisor!

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Hummelstown is centrally located between both Harrisburg and Hershey; with numerous businesses, shops, restaurants, bars and hotels.

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Comprehensive, personalized eye care for you and your family

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MARCH & APRIL 2017 Woman Newspapers

9

Colon cancer curable and preventable; early detection is key john p. mclaughlin, d.o. chief, section of gastroenterology pinnacle health system

CH

MAR

COLON

CANCER AWARENESS

Month

Call today to schedule a consultation

John P. McLaughlin, D.O., F.A.C.G., F.A.C.P. Kevin C. Westra, D.O., A.G.A.F., F.A.C.P. Michael A. Veliuona, M.D. Mark C. Friedman, M.D. Nicholas A. Mahoney, M.D. Cortni J.T. Brooks, M.D. Michelle R. Kostelac, MPAS, PA-C Lisa C. Brenize, MSPAS, PA-C

Specializing in the diagnosis and treatment of digestive and liver disease.

Treating symptoms such as: Abdominal pain Heartburn Rectal bleeding

Constipation Diarrhea Jaundice Nausea Trouble swallowing Vomiting

New Patients Are Always Welcome 4760 Union Deposit Rd., Suite 100 • Harrisburg, PA 17111

717-545-9811 We participate with most insurance providers.

Please visit our website: www.hbggastro.com

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Woman Newspapers MARCH & APRIL 2017

Colon cancer is finally on the decline. Why? Because colonoscopy has been used for the last 20 years as an efficient tool to combat this devastating disease.

Small polyps or tumors can be removed before they become cancer.

It is estimated that approximately 50,000 people in the United States will die from colon cancer each year. It is the second-leading cause of death from cancer among both men and women. However, it can be prevented.

What causes colon or large intestine cancer? We don’t know, but what we do know is that there is definitely a genetic factor associated with this cancer. Risk factors, such as family history of colon cancer or even benign colon polyps, can identify patients who have an increased risk of developing these tumors.

Women who have a history of breast, ovarian or uterine cancers are at increased risk as well.

Also, the African-American population has seen a dramatic rise in the incidence of this decrease.

How can I tell if I might have this disease?

Hemoccult testing of the stool for blood is one test that is available, but it does not identify the cause of the bleeding. Further testing will always be required. Additionally, colon cancer and small polyps do not always cause bleeding on a regular basis and, therefore, may be missed.

However, colonoscopy is the perfect procedure to diagnose and eliminate early small growths.

Colon cancer is the second-leading cause of death from cancer among both men and women but it can be prevented.

It is a safe and effective tool in the war against cancer of the colon. Patients are sedated and feel no discomfort during the exam. It provides an ideal opportunity for the endoscopist to thoroughly exam the colon and, if necessary, remove these small tumors. These small polyps (tumors) can progress into cancerous masses over a period of 5-10 years. For this reason it is important to undergo colonoscopy examinations at regular intervals.

Screening colonoscopies should begin at age 50 for patients that have no symptoms.

However, in patients with family members that have been diagnosed with colon cancer or small benign polyps, the screening should begin at age 40. Any person who has noted a change in their bowel habits or has seen any rectal bleeding should be evaluated immediately regardless of their age. Colon cancer has been diagnosed in patients in their 20s and 30s but is much more common after the age of 50.

Colonoscopy is safe at all ages when performed by an experienced endoscopist.

Although the preparation can be rigorous and includes clear liquids and laxatives, it is absolutely necessary for a thorough and detailed examination of the colon.

Colon cancer is preventable with proper screening and curable if diagnosed early. Ask your health care provider about a screening colonoscopy if you are over the age of 50 or if you have noticed any symptoms. March is Colon Cancer Awareness Month. However, being vigilant and watching for signs and symptoms all year, as well as undergoing timely screenings, could save your life.

CAN H E A LT H Y H AB I TS CONT R IBUT E TO

Financial Security?

When it comes to feelings about finances, working Americans are practically split down the middle, according to a recent study.

Fifty-five percent of employed Americans feel they are on the right track to achieving financial well-being, while the other 45 percent feel they are not headed in the right direction, according to the 2016 Lincoln Financial Group Measuring Optimism, Outlook and Direction (M.O.O.D.) of America study.

So what are those individuals on the right track doing so well? The study found five key factors - behaviors and influencers - in their lives that correlate to positive feelings about money.

“Right trackers” differ from their counterparts who are not on the right track because: • They are more likely to have created formal financial plans - more than 70 percent of them, in fact.

• They are forward-looking in general, with nearly 100 percent saying they are

focused on the future. Also, 90 percent of those in the “right track” camp say they feel in control of their lives.

• They exercise more. Those with positive feelings about money tend to be active.

About 80 percent of this group exercises at least once a week, and typically more often. Compare that with those who are not on the right track -- just 60 percent of that segment works out on a consistent basis. Physical health can correlate to financial health.

• They’re more likely to feel good about themselves. Financial health and emotional health go hand-in-hand, too. Those on the right track are more likely than their counterparts to say they are optimistic because they feel good about themselves and their relationships with family and friends.

They’re also positive about their careers and their relationships with coworkers.

• They take advantage of workplace benefits. Indeed, the more benefits you enroll in through the workplace, the better you will feel financially, suggests the study.

Beyond health insurance and retirement savings, “right-trackers” are enrolling in insurance plans to cover dental and vision care, as well as life insurance and disability insurance (which can help replace a portion of your paycheck while you recover from an injury or illness). They’re also taking advantage of other nonmedical benefits that can help boost financial security, such as accident insurance and critical illness insurance, which can help cover expenses that medical insurance does not, like high deductibles, or day-to-day expenses such as food or mortgage payments.

The future is unknown, but certain insurance coverages offered at work can help

safeguard you against a broad scope of unexpected expenses, and can help you feel and be more financially secure. This is something to think about during annual open enrollment for medical insurance and beyond.

For more insights and tips to help you take control of your financial future, follow Lincoln Financial Group on Facebook, Twitter or LinkedIn. Feeling good about your finances is about the big picture, not just your bank account.

From a healthy lifestyle to a positive attitude, taking a cue from those who are on the “right track” may help you get your footing on the path to financial well-being.

Source: StatePoint

MARCH & APRIL 2017 Woman Newspapers 11

d e k o Ho on s d n Seco

ych d a T a d

By Bren

My first foray into consignment store shopping happened when I was 28. I vividly remember because I gained a lot of weight that year. I expanded to a size 14 and thought, "hell no, there’s no way I’m paying retail prices - I’m not going to be in that size for long!” So, I began a search for second-hand stores.

Back then, there was a undeserved stigma associated with second-hand clothing stores. I’m the first to admit, I was accustomed to crisp, new department store clothes and half-expected a hodgepodge yard-sale-type of experience in any store selling “used goods.” I was skeptical to say the least.

My second-hand shopping experience kicked off at a little consignment clothing store I found in Highspire. What a pleasant and reassuring surprise!

It wasn't smelly or dingy in the least and the clothing looked like it could have been hanging in any department store. And the price - are you kidding?!

After that first thrifty experiment, I was hooked.

While I still feel right at home wandering from shop to shop through a mall, I have to tell you, I hit the outlets and second-hand stores more often than not these days. The best things in my closet weren't free, but they were probably darn cheap.

Of course, when I've just got to have that certain top or pair of pants, it’s off to the mall I go. But my closet is balanced with a mix of high end and bargain basement. I pair a top that I splurged on at King of Prussia Mall with my $13 jeans, or shoes I bought at Plum Bottom with a sweater of unknown origin.

I get the rush of a spectacular sale every time I score at a consignment shop. I'm talking nine or ten new pieces for somewhere around $100. Oh, the joy of leaving a store with a new wardrobe! It's SO exciting!

I'll pay extra for quality, but what really pisses me off is when I spend good money on retail pricing and get the item home to find the seam splits or the lovely vibrant color that so attracted me fades despite careful laundering. Lesson learned: The only thing a designer brand name guarantees is an expensive price tag.

Yes, it’s a gamble shopping second-hand, but I know shopping is a lot like poker and I’ve got to trust my instincts about whether or not it’s going to be a good day for a certain store. But as every gambler knows, I can’t win them all and I just might leave a store empty-handed.

But as long as I rely my seasoned-shopper instinct, odds are that I'll be dealt a winning hand and just may hit the jackpot!

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Woman Newspapers MARCH & APRIL 2017

Time-saving tips for stressed moms submitted by the salvation army

You wake up before the sun rises to shower and get ready for the day.

Soon you hear the patter of tiny feet upstairs. You get breakfast ready for your little ones and then get them dressed.

Between packing bags and preparing lunches, you barely have time to grab breakfast for yourself. You rush out the door just in time to make it to work before that big meeting starts.

And all this happens before 8 a.m.

Being a parent means juggling not just your own schedule, but those of your children as well. Busy days lead into hectic evenings where there isn’t much time left for yourself. You love your family and you’d do anything to make them happy, but every once in a while, you wish you could enjoy a little more “me time” and fewer to-do’s.

If you feel this way, you’re not alone.

Nearly two in three moms have never taken a day completely for themselves, according to a new survey conducted by Luvs and Wakefield Research. So it’s no surprise when most parents long for a little breathing room to relax.

Fortunately, with these four tips and

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meals in the time it takes to make just one. Double the casserole for tonight and freeze half for next week. Cook 2 pounds of chicken so you have lunch for tomorrow in addition to dinner. Double the soup and freeze in individual containers so both you and your partner have an easy meal you can grab and go.

Play date exchange. Spearhead a babysitting exchange between you and your parent friends. Offer to bring a few extra kids to the park to give another parent a much needed break. Then next week, swap play date duties so you can enjoy a few hours alone. Your kids will love having friends along, while you get precious “me time.” It’s a win-win for everyone.

tricks, you can ease your schedule and save time throughout the day. Use that extra time for something you enjoy, whether it’s watching your favorite TV show, going for a run or sipping a cup of tea while star gazing.

Make nap time all about you. If you have small kids, you probably use the few hours they nap to do laundry, clean the house or catch up on emails. Instead, once or twice a week, use the break to do something just for you. Read a book, catch up on the DVR or even step into the shower! In fact, the survey found that a quarter of moms would simply value an uninterrupted shower versus going to the spa. Remember, the to-do’s can wait and you’ll feel rejuvenated and happy when the kids wake up.

Ready the night before. Mornings are hectic for families, and a bad one can really set the tone for the entire day.

Save time and eliminate stress by doing as much as possible the night before.

Select clothes for kids and yourself, prepare lunches, pack bags and bathe in the evening. When the alarm goes off, you’re 75 percent ready to go.

Cook double batches. When you cook twice as much, you cover two

If you are able to help please donate to any of our 6 retail loca­tions listed in our ad. The Salvation Army, an international movement, is an evangelical part of the universal Christian Church. Its message is based on the Bible. Its ministry is motivated by the love of God. Its mission is to preach the Gospel of Jesus Christ and to meet human needs in His name without discrimination.

Call (717) 541-0203 to donate today.

Article Source: BPT

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See success stories at SalvationArmy.org to see how your donations help those in need of food, shelter and our drug and rehabilitation programs.

We would love to put a Salvation Army bin at your church, retail store, etc.

Please call 1-800-728-7825

MARCH & APRIL 2017 Woman Newspapers 13

Why

does money have to be such a problem? You earn, you pay, you buy, you save, you share. Or do you?

Why is spending so easy for some while saving and sharing are so difficult?

Save, Spend Share or

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Woman Newspapers MARCH & APRIL 2017

If we look at the basic nature of people, from infancy on, it is about getting needs met. No one ever had to teach a child to be greedy or demanding.

Granted, some children are less demanding than others, but generally it is feed me, change me, hold me, give me, cuddle me, rock me, get me out of this crib.

And we oblige, of course — until they are able to meet those needs themselves.

What child ever demands that you teach them to share? That is generally a learned behavior. Most parents teach their children to share toys, attention, TV show choices and who sits in the front seat, but most parents, unfortunately, do not instruct their children in sharing finances.

When youth start shopping for themselves, they have usually been mentored in looking for sale prices, checking quality of clothing, selecting appropriate styles and sticking to a predetermined amount of spending money.

But who mentored them in saving a portion of their allowance or income?

If possible, children at even three or four years of age should be given a weekly allowance commensurate with their age; for example, half their age in dollars. The allowance could depend on their completing household responsibilities: daily pickup of toys, all clothes off the floor, feeding the pet.

It’s a no-brainer: Children can’t learn to handle money responsibly if they have no money to handle. Dispensing even pennies or nickels can help them develop the habit of spending, saving and sharing.

There are products on the market already labeled with those three categories; or you can get three equal-sized jars and label them yourself. The goal is to get your children in the habit of delayed gratification (saving), living within their means (spending) and compassion for others (sharing).

Some parents have the kids divide the money equally among the jars; others use the 80/10/10 ratio or 50/20/30. As their instructor, you can discuss the amount that goes into each category.

Too many college students are in debt (credit card and educational loans) because they are not disciplined in saving, spending and sharing. As the responsible parent, take the time to instruct them early — and if you have yet to become disciplined in this basic financial practice, it’s not too late for you to label some jars for you too. It’s called budgeting.

Catholic Charities Diocese of Harrisburg, PA

PROVIDING

HELP.

CREATING

HOPE.

Behavioral Health Counseling Residential Programs Immigration and Refugee Services Youth And Family Services f

717-657-4804 WWW.CCHBG.ORG

Pregnant and scared? by christopher meehan, director of development, catholic charities

For most couples, the news that they are going to become parents is the most exciting news they could ever hear. As a father, I can’t think of anything more special than being a dad for my kids. It’s what I always wanted in life.

But for some people, the news that a baby is on the way is overwhelming. For whatever reason, the thought of having a child is devastating. These parents-to-be could be facing a variety of issues including abuse, homelessness, physical and/or mental illness, financial concerns, and the like.

I recently met a woman who was in such a situation. She was in an abusive relationship and already had one child when she learned she was again expecting. The father wanted her to end her pregnancy, but she was opposed to that idea. That made the abusive situation even worse.

This young lady was scared. Scared for herself. Scared for her son. And scared for her unborn baby. Fortunately, there was help.

Many social services agencies offer counseling, case work, parent education, and other tools that assist women both during their pregnancy and after their baby is born. Pantry

items such as food, diapers, clothing, toiletries, and other staples are also provided in order to get these mothers and their children the necessities they need.

Assistance such as this, before and after a child is born, enables women to become more confident and self-sufficient in meeting their future needs of themselves and their child.

Should the decision be made to place the baby for adoption, a great deal of help is also available through various agencies to assist both the mother and the child in what is usually a difficult and often times painful decision.

The ultimate goal is to provide the right guidance and assistance in order to do what is best for women and their children.

Pregnancy is a joyous, exciting time. There is nothing better than being able to bring life into the world. However, being pregnant may also seem frightening and stressful.

But remember, you are not alone. If you or someone you know is pregnant and unsure about what to do next, supportive and skilled organizations are there to get you the help you need. For more information, contact a social services provider today.

Catholic Charities offers help, hope and support to thousands of individuals and families, providing social services to people of all faiths. Our mission is rooted in our commitment to support families and children in need, regardless of faith.

Please contact us at 717-657-4804.

Teens in transition need basic life skills by danielle bonham

Transition can be a tough thing for anyone! Being a well prepared 18 year old and adjusting to life as an adult is hard enough, but can you imagine being 18 and on your own without the skills needed to succeed?

Children in foster care have the choice at 18 to remain in care until age 21 or sign themselves out and be on their own. For kids who grew up in the system, many of them choose to sign out at 18. Unfortunately, a lot of times, the odds of success are not in their favor.

They end up homeless, don’t finish school, get into legal trouble, etc.

There are so many pros to remaining in care, but convincing an 18 year old whose been pushed through the system for years that it would be in their best interest isn’t an easy task.

There are a large number of teens in care who need help and assistance to learn basic life skills in order to succeed. They need to learn money management, cooking skills, job interviewing skills, general social skills, how to get health insurance, how to open a bank

account, responsibilities in filing taxes, etc.

Teens need dedicated individuals or families that will help them learn these things so if and when they are no longer in care, they can have a successful life. Are you able to foster a teen and give them a chance that they deserve to have a happy and successful life?

Do you know someone who could provide a loving and stable home for a teen to learn much needed life skills?

Pennsylvania Mentor is a leading private Therapeutic Foster Care Agency. For more information on how you could become a foster parent contact Danielle at 717-657-2073, ext. 38 or visit MakeADifferenceAtHome.com

Open Your Heart and Home. Become a Foster Parent.

Learn more, Contact Danielle at 717-657-2073 x38 makeadifferenceathome.com

MARCH & APRIL 2017 Woman Newspapers 15

Closer to home by andrea henney, pcha, lpn

999 West Harrisburg Pike PA 17057 999 Middletown, West Harrisburg (717) 944-3351 Pike

Middletown, PA 17057

A campus of Wellness, Rehabilitation (717) 944Learning…

– 3351 and Life Long For More Information about The Middletown Home Check out our new website!

www.middletownhome.org

A campus of Wellness, Rehabilitation and Life Long Learning… https://www.facebook.com/middletownhome/

In your younger days, spring break meant having fun, partying and doing things you normally wouldn’t do. These days, spring break probably means doing things your kids enjoy. While that is not a problem, having little money to spend this year is. With the high cost of just about everything, you can’t afford to take a major family vacation.

But what you can do is take one closer to home.

With a little planning and some creativity, you can have a memorable spring break.

Who doesn’t love a good party? What better way to throw a party than to give it a theme? The themes you can choose from are unlimited. These include: • Stage a concert. Let the kids be the stars of their own concert (it doesn’t matter if they can’t sing). Set up a stage somewhere in the house, make your own microphones and use flashlights for spotlights. For accompaniment, grab your child’s favorite CD (chances are they know the words by heart) or a musical instrument.

• Have an Oscar party. Let the kids dress up as their favorite characters. Of course, no Oscar party would be complete without a red carpet, adoring fans and plenty of photographers. Have the Academy (your family) vote for their own

For More Information about The Middletown Home Check out our new website!

Women First www.middletownhome.org Obstetrics & Gynecology , PC

Because We Care.

Us on Facebook

Margaret M. Hawn, M.D. Kenneth J. Oken, M.D. Andrew Perrotti, M.D.

Emma Cargado-Leynes, D.O.

https://www.facebook.com/middletownhome/ Parul Krishnamurthy, M.D. Richard Crispino, M.D. Krista Rebo-Massara, D.O. Gerald F. Maenner, M.D. Katharyn L. Kraemer, CNM Elaine Y. Greene, CNM Sharon L. Jones, CRNP Karen Stilp, CRNP • Obstetrics & Gynecology • Laser Surgery • Bone Densities • Normal And High Risk Pregnancy • Adolescent & Geriatric Gynecology • Infertility • Female Urinary Incontinence • Robotic Surgery

Office Hours By Appointment | 717-652-6605

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16

Woman Newspapers MARCH & APRIL 2017

850 Milton Grove Road North Elizabethtown, PA 17022 717-689-3408 www.playfulpupsretreat.com

Oscar winners. Finish off the evening with some popcorn and a favorite movie.

• Go on a campout. If it’s too cold or wet outside, camp indoors by the fireplace. Get out the sleeping bags and lanterns. Eat camp food like hot dogs and beans. And what would a campout be without s’mores?

• Take a trip around the world. Pick a city or country you’d like to visit and use that as your theme. Research the destination. Wear native dress, fix a meal for that area and hang pictures around of various landmarks. Have native music playing in the background. Find out if there is a movie from that area you could watch.

• Take a short afternoon or one-day trip.

Check around the area for sites or attractions of interest. A museum is an excellent place to start.

• Visit historical points of interest. Places like churches, cemeteries, battlefields and homes of people are important in the development of the community. Check with your local historical society or visitor’s bureau to see if they offer any kind of tours around town.

• Get in touch with nature. Explore a nearby zoo, wildlife park, or better yet, hit a nearby state park. Most state parks offer hiking, fishing, swimming, bicycling and picnic areas.

If you have a little time to spend with older adults in our community, please call me to discuss volunteer opportunities. My contact number is 717-944-3351.

m a Sc t ! r e Al

It’s sad but true. People can be dishonest, and some people make a living at it. They may sell you something you never receive or try to steal your personal information over the phone. Scams do happen, and you need to be on the lookout for them. Here is a brief list of some common scams to be aware of.

If something sounds too good to be true, it probably is.

Lost Scams

Bank Scams

Lottery Ticket Scams

There are a variety of bank scams. One of the most common involves advance-fee loans. A person guarantees they can get you a loan or credit card no matter what the state of your credit. All you have to do is wire them some money in advance to cover the processing fees. You wire the money and never hear from the person again. You might also be contacted for help in investigating embezzlement at your bank. As instructed, you go to the bank, withdraw some money and give it to a person posing as a detective. The detective thanks you for your efforts and promises to return your money to the bank but never does. You lose out again.

Charity Scams

These solicit donations to charities that either do not exist or do exist but will never benefit from your donation. A person might call, email or approach you asking for a donation. You agree, but the only person you end up helping is the scammer when they take off with your money. A person might also approach you on the street and ask for your help in delivering a donation to a charity. You agree but must put up some money to show you are of good faith. The person takes your money, hands you an envelope and disappears. You are left with empty pockets and an empty envelope.

Check Scams

These can occur in a number of ways but always involve a phony check. A person might buy an item from you, hire you to work at home or congratulate you on having won a prize. They will present you with a check and request you deposit it and wire a portion of it for processing fees or taxes right away. You deposit the check into your account and wire the money requested. Later, you receive notice from the bank that the check is not good. You lose the money you wired, plus any charges now owed to the bank.

Distraction Burglaries

These may involve one or more people. One person might ring your doorbell and distract you while another enters your back door and steals whatever is within reach—your purse or wallet, cash, watches, jewelry. If working alone, the person might claim to be from a business like the utility company, enter your home to check out an issue and steal valuables when you are not looking.

Grandparent Scams

These tend to tug at the heartstrings. A person calls claiming that your grandchild or someone else you love is in trouble and needs money right away. You wire the money only to discover later that your loved one is fine.

Home Repair Scams

These can occur in a couple of ways. A person may ring your doorbell, ask if you are in need of some home repairs and offer to complete them at a low cost. All you need to do is put down a deposit. They will either take your deposit and run or make the repairs and bill you for additional supplies and labor. Either way, you lose some cash.

These arise out of lost ads. A person calls you about an ad you placed regarding a missing pet or item. They claim to have found the pet or item but live far away and need money for shipping fees. You wire them some money but never hear from them again. A person may also claim to be a police officer that has located your pet or property and needs your personal information to file a report. You assume the person is legitimate, give them your personal information and open yourself up to identity theft.

These play on the hopes of winning the lottery. A person contacts you by phone, mail or email and offers to get you lottery tickets in another state and hold onto them for you in case you win.

You agree and send a check every month for the tickets. You never win, of course, and the person continues to take your money for as long as you allow.

Mail Theft

Mail theft may take place at any point during the day. A person removes mail from your mailbox and opens it, looking for money-making opportunities and personal information. They cash all checks received and wash, rewrite and cash all checks sent. They steal all credit card numbers listed and use them to make purchases. They alter all loan and credit card applications so they will receive the payment or the card.

Merchandise Scams

These occur mainly online. You find a great deal, order it and receive a call about accessories available for the item. You pass on the accessories and receive notice the item is no longer available or you never receive it at all. If it does arrive, you are charged for extras listed in the fine print you failed to read on the website. Either way, you’re out some money.

Psychic Scams

These can take place by phone, email or in person and work well on individuals having a run of bad luck. A psychic approaches and claims you have been cursed. They convince you that you need cleansing, a process that takes a lot of time and a lot of money. You pay for a process you do not need.

Sweepstakes Scams

These occur in a couple of ways and appeal to individuals who like to win. A person calls stating you have won a sweepstakes but must pay the taxes on the winnings before claiming them. You wire the money only to never receive any winnings. In another variation, you might be told you’re a finalist and will increase your chances of winning if you buy something. You purchase the item but never receive it or any prizes.

These are just some of the more common scams. There are hundreds more out there and more everyday. It pays to be on your guard. If something sounds too good to be true, it probably is. Trust your instincts and take the time to check out every offer that comes your way. Never give out your personal information, sign a contract or make any sort of payment without knowing for certain that the business you are dealing with is legitimate. Use a secure mailbox, remove mail promptly and shred all documents containing personal information. Act with caution, and should you ever fall prey to a scam, report it and help protect others.

MARCH & APRIL 2017 Woman Newspapers 17

J

E

C E A B U T S S U

YOU LIKE IT The idea of preparing a budget finally makes sense. You have watched money go out at a rate faster than it is coming in.

Something has to change.

You must take control of those dollars and cents.

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Woman Newspapers MARCH & APRIL 2017

Taking the process seriously, you are now ready to face some facts. Sure it might hurt, but sometimes truth does hurt.

You have mismanaged money. Many people do; in fact, most people do. Yes, individuals carelessly spend, families do, governments do too. Have you noticed the national debt lately? That didn’t skyrocket because of wise money management. You are in good company.

But you don’t have to stay in their corner.

There are expenses nearly everyone must pay: housing, utilities, food, miscellaneous, transportation, clothing, medical, personal, insurance. And there are optional expenses: giving, phone, education, entertainment, vacation, retirement account, child support, alimony, savings. And if all of this sounds terribly overwhelming, add psychiatric counseling to the options category.

Life was a bit easier when Dad and/or Mom paid the expenses and your needs were met. Maybe your clothes weren’t as stylish as your classmates’, but you had clothes. Maybe your lunch was jelly sandwiches while theirs were bought prepackaged from the refrigerated section; you were fed. The car started and you arrived safely — three blocks from your destination so no one saw the dents, rust and hanging side mirrors.

But you didn’t have to walk far.

You determined that you and your kids weren’t going to live the way you did, so you now buy namebrand clothes, your car is less than five years old, your home is in an upscale neighborhood, you eat lunches in restaurants with your coworkers.

And you’re in debt up to your ears. Welcome to the world of foolish spenders.

Assuming you are employed and have a livable income, budgeting is a must-start to getting a handle on where your income meets expenses. Save all your receipts and charge card statements for a three-to-sixmonth period. You will be amazed.

Those super-sized drinks (always a bargain), designer coffee drinks, manicures, haircuts, shopping sprees (even in discount stores), gas for unnecessary mileage, frequent dining out, specialty foods in the grocery store, sale-priced clothes — they all add up. And what do you have to show for all those purchases?

An empty checking account and credit card balances that can’t be paid off at the end of the month — again.

But you like those bargain drinks. And the jacket is stylish and fits perfectly. And you love the specialty cheeses. And the latest phone just came out … and … and …

Just because you like it doesn’t mean you have to buy it!

Now, for the next month buy only essentials. Put a moratorium on purchasing everything but absolute necessities. For just one month. Let your sensibility, not your desires, control your spending. Break the habit of buying something just because you like it.

Now, you’re ready to prepare a budget.

Good posture involves maintaining the bones and joints of the back in their correct positioning in order to decrease the stress on the ligaments that holds the spine together. This is important to an individual’s overall health, and can prevent the spine from becoming fixed in an abnormal position.

A few common effects of poor posture can include: back pain, joint/ muscle strain or overuse, and overall fatigue. Some clients even experience pain that radiates from the spine into their arms and legs due to tight muscles and compressed nerves.

Occupational therapists focus on posture with all of their clients in order to maximize overall functioning in daily activities. They can help their patients become more aware of their body’s positioning, and make suggestions for strategies on maintaining good posture throughout their day.

In order to have good posture when seated, one should: • Sit with feet planted on the floor

• Push buttocks all the way to the back of the chair • Hold your shoulders back over your hips • Evenly distribute weight among both hips • Maintain a 90 degree angle in your hips, knees and ankles Individuals should be conscious of their posture, and make periodic adjustments to avoid the negative side effects of poor posture.

Here is a list of some general strategies to help maintain good posture throughout your daily routine: • When seated for long periods of time, avoid sitting in the same position for more than 30 minutes- get up and change your position • Keep your hips and shoulders in line, reduce twisting at your back • Your back has natural curves, don’t force it to be stiff as a board- support them, particularly your low back • Don’t allow yourself to sit with slouched shoulders, engage your stomach muscles to fully elongate and support your spine.

References: http://my.clevelandclinic.org/health/diseases_conditions/hic_Posture_ for_a_Healthy_Back

Please call Reliance Therapy at 717-388-1058 to schedule your appointment. Evening and weekend hours are available upon request.

WHO

is in control of financial decisions?

In 80% of all households, it’s a woman.

ce

by patricia a. gay, otr/l, cht

a bo ut b a l l a s l i an ef

Li

Like mom always said: Sit up straight!

PHYSICAL THERAPY CAN HELP YOU: Improve balance Reduce fall risk Improve flexibility Improve strength Increase activity levels

63 EAST MAIN ST., 1ST FLOOR MIDDLETOWN, PA 17057 (717) 388-1058

Patricia Gay, OTR/L, CT Medicare, Medicaid & most insurances are accepted

www.reliance-therapy.com

We help you market directly to the decision-makers.

Dauphin County: TINA RINEHART (717) 421-3247 tinarinehart@pressandjournal.com Cumberland County: LAUREN KANOVICH (717) 678-4826 laurenkanovich@pressandjournal.com

MARCH & APRIL 2017 Woman Newspapers 19

Vacation Destinations:

Where You Can Stretch Your Dollar in 2017

This year, consider taking advantage of the trends identified by experts that can make amazing destinations affordable and convenient.

Getting more out of a vacation starts with finding ways to stretch your travel budget.

To help, Travelzoo recently unveiled the top six destinations where Americans will find the strongest deals in 2017. “We predict three trends will influence travel deals next year. Increased choice for flights, a strong U.S. dollar, and hotel openings will create increased supply leading to competition and more deals,” says Michael Stitt, president, North America of Travelzoo.

Florida’s Gulf Coast

New Zealand

Peru

Seven new hotels opened in 2016 in the Clearwater area, including the luxury Opal Sands Resort. A new Wyndham Grand Resort on Clearwater Beach is among several upscale brands opening their doors in 2017. Budget airline Allegiant flies into St. Pete-Clearwater International Airport from 20 U.S. cities, and nearby Tampa airport is serviced by most major U.S. carriers, resulting in heavy competition and frequent airfare sales.

The number of airline seats to New Zealand has doubled this year, with three top airlines introducing direct flights from the U.S. The increased competition means packages that used to cost $2,000 per person can now be found for as little as $1,299. Travelzoo deal experts also recommend the Air New Zealand Explorer Pass, a cost-effective way to see the country from North Island to South Island.

There are now seven airlines flying nonstop from the U.S. to Lima, creating more intense competition than ever. The dollar is at a 10-year high against the Peruvian sol. Recently the Peruvian government started limiting the number of visitors to Macchu Pichu, so those interested in visiting should do so soon.

Paris

United Kingdom

Washington, D.C.

The French department of tourism reports a 1.8 million drop in the number of visitors to Paris for the first 10 months of 2016 compared to 2015. If this trend continues, it will put pressure on Parisian hotel rates. At the same time, a favorable exchange rate and sharp increase in low-cost flight options mean Americans can experience the French capital for the lowest price in recent years.

The British pound hit a 31-year low after the U.K. voted to leave the European Union in June 2016. A weak pound, coupled with a drop in airfares means increasingly aggressive deals available to U.S. travelers.

A slew of new hotels makes now the time to visit a city that’s already popular with deal-seekers. Washington, D.C. has a huge number of free attractions, including worldclass museums like the newly opened National Museum of African-American History & Culture on the National Mall. Fourteen new hotels this year and 16 opening next year will likely drive down room rates. For deals, consider weekends, when business travelers leave town.

Source: StatePoint

20

Woman Newspapers MARCH & APRIL 2017

Security PLANNING FOR YOUR

s to help dreams”

rvices

ce

gn

ce

Deborah Pajak,with CFP, Working CLTC, ChFC®, CDFATM

my clients to help 5001 Louise Drive achieve their Mechanicsburg, PA 17055 717-791-3383 financial goals depajak@financialguide.com and dreams.”

-Deborah Pajak

esentative of and offers securities, investment rvices through MML Investors Services, LLC. echanicsburg, PA 17055. 717-760-7543 CRN201504-169767

“In association with my clients to help achieve their financial goals & dreams”

• Investments

 Investments  Securities Brokerage Services

• Retirement Planning Long Term Care Insurance

by deborah pajak, cfp®, chfco, cltc, ufinancial group

As little girls we picture our lives evolving in a certain fairy-tale-like manner. We may picture our Prince Charming, or a high profile career, or a large family filled with many happy children.

Deborah Pajak, CFP, CLTC, ChFC CDFA As ,we get older, if we are lucky, life follows 5001that Louise Drive straight, pansy-lined path to the panacea Mechanicsburg, PA 17055 717-791-3383 our minds created. However, as we age, we also depajak@financialguide.com learn that our dreams, borne of childhood, do not always pan out quite the way we pictured, at least not all the time.

Things happen…let’s call them transitions.

Perhaps it is the transition from being married to being a widow; being single after many years of marriage; perhaps it is the anticipation of any of those changes. No matter what the challenge, our finances are usually affected, and many times in a negative way.

In all cases of transition, it is of utmost importance that you give yourself the time needed to make wise, well thought-out choices.

Time does heal all wounds, but it doesn’t usually feel that way soon after an unwanted or unexpected transition. Therefore, give yourself ®

Analysis & Design • Securities Brokerage Portfolio Services  Financial Issues of Divorce

• Long Term Care Insurance

• Portfolio Analysis & Design

TM

Deborah Pajak is a registered representative of and offers securities, investment advisory and financial planning services through MML Investors Services, LLC. Member SIPC. 5001 Louise Drive Mechanicsburg, PA 17055. 717-760-7543 CRN201504-169767

• Financial Issues of Divorce

Deborah Pajak, CFP®, CLTC, ChFC®, CDFA

TM

Deborah Pajak is a registered representative of and offers securities, investment advisory and financial planning services through MML Investors Services, LLC. Member SIPC. 5001 Louise Drive Mechanicsburg, PA 17055.

717-791-3300

Handling transitions and bends in the road

5001 Louise Drive, Mechanicsburg , PA 17055

717-791-3398

depajak@financialguide.com

5 important financial steps for all women submitted by new cumberland federal credit union

When considering both your long-term goals like retirement and your short-term goals such as a new car or house, here are some valuable steps you can take.

1. Create a Budget Income, debt and monthly expenses are things you should think about when you start saving toward your long- and short-term goals.

Creating yourself a budget helps you prioritize your purchases and leads you toward your goals.

2. Establish an emergency fund Pay yourself first! Setting yourself up for a monthly savings plan can help with maintaining an emergency fund. Having an emergency savings account will pay off in the event that something would happen as in losing your job or becoming ill.

3. Pay off high interest rate credit cards Shop around for low credit card rates and transfer the funds to this card or do a bill consolidation loan.

4. Give consideration to your retirement After creating a budget and looking over your expenses, plan ahead for retirement even

though it seems a long time off. Set aside an amount even if it is small for a retirement savings and watch it grow over the years. The best way to do this is to open an IRA. 5. Tackle low-interest loans It is important to do your research on the interest rate you are paying on your car and house. If need be, consider refinancing to get a better rate.

two gifts during this difficult time. Gift number one is patience and understanding for the trying time you are experiencing. Gift number two is a professional financial planner that can work with you, as an advisor, to identify your needs and help you determine a clear route to accomplish those goals.

Deborah Pajak is a registered representative of and offers securities, investment advisory, and financial planning services through MML Investors Services, LLC, Member SIPC. Supervisory Office: 5001 Louise Drive, Suite 300, Mechanicsburg , PA 17055 · 717-791-3300. Insurance offered through Massachusetts Mutual Life Insurance Company and other fine companies. #CRN201901-208172

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MARCH & APRIL 2017 Woman Newspapers 21

Clear the clutter and make a fresh start by laurie yost, owner, now wear this!

For many people, spring is like a rebirth.

So, what better time to do all of that important spring cleaning? Many people say they are going to do it, but few actually pull it off. Here are few tips that might just make your spring cleaning successful.

First, make a plan and set some goals.

Successful spring cleaning can’t be done all at once. The key is to do one room or area at a time. If you start in one area and move to another, you will leave unfinished work and won’t get a sense of accomplishment. Take it one step at a time and boost your confidence as you go.

There is also the matter of supplies. Get out a pen and paper and make a list. Remember you’ll be doing all kinds of cleaning, so you’ll need different products. You will not only be cleaning but also organizing, which is the next thing to consider.

Organize before you clean. You are tackling a big project, so why not do it right? Spring cleaning is not just about cleaning. It’s also about organizing and making a fresh start.

This is a great time to clean out the clutter. Go through your stuff. Decide what you want to

keep, what needs to be stored and what could be taken to a consignment shop, donated or trashed. Remember, organizations don’t want your trash. If something is in bad shape, throw it out.

You’ve got your cleaning supplies, you’ve decluttered your space, and now it’s time to begin. Clean from the top down and let gravity help. It doesn’t make sense to sweep before you dust because that dust has to go somewhere and that somewhere is down. Spend enough time on each room. Again, all your cleaning doesn’t have to be done in one day.

Clean everything. That means rugs, windows, drapes, bedding and so on. Is your garage part of your home? Then it should be cleaned too, or at least cleaned out. Does your refrigerator need to be cleaned and those olives that expired last year thrown out?

Remember, to do it right takes time and hard work. But when it’s done, your home will be cleaner, you’ll feel a sense of accomplishment and you’ll be ready to enjoy the warmer weather.

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Woman Newspapers MARCH & APRIL 2017

Ever feel brain fogged?

Tired? Achy? Most of us have a build up of toxins overloading our bodies and we don’t even know it! How do we rid ourselves of these toxins and get feeling like we are supposed to?

Massage is a great way to start! Massage therapy has a wide array of benefits beyond relaxation. Massage therapy can release our body’s natural pain-killing endorphins, alleviate muscle and joint pain, promote tissue regeneration and alleviate scar tissue, lessen depression and anxiety, naturally lower blood pressure and help with migraines and headaches.

Beyond traditional hands-on work, you can also receive energy-work.

You may have heard the terms reiki or chakra balancing. This service is an innovative treatment focusing on chakra (the body’s energy centers) using a variety of massage techniques. The treatment typically combines the use of balancing essential oil blends with

deep tissue massage on back, spinal muscles, a reflexology massage on the feet, and chakra energy work. In addition, you may be guided through a meditation to enhance the benefits; stress relief, decreased muscle tension and increased energy levels. This massage is a very powerful, personalized massage and the benefits can be amazing.

You may also want to consider the benefits of other types of massage sessions such as Swedish (relaxation), deep tissue (deep pressure targeting knots), hot stone (using warm lava rocks opposed to a therapists hands), reflexology (powerful pressure points on feet that have a point for every organ of the body), or Indian head massage (focuses on head neck & scalp) just to name a few.

NEW HABIT:

Complaint-Free

Life

Complaining, griping, kvetching – we all do it, right?

Complaining can be a habit and, for most of us, it’s pretty easy to get others to commiserate with us.

It can even feel anti-social not to join in someone else’s bitch session. But is complaining really a habit worth continuing?

Facebook Memories reminded me I had engaged in a complaintfree week in 2011. It was an interesting and revealing week.

Here’s a recap:

“When you complain, you make yourself a victim. Leave the situation, change the situation, or accept it.

All else is madness.”

— ECKHART TOLLE

Day #1. For the next seven days, I'm committed to living a Complaint-Free life. Zero tolerance for complaining or blaming. [I got the idea from Will Bowen, the founder of an organization called A Complaint Free World. I posted my commitment and invited Facebook friends to join in.]

Day #2. It's natural to notice things we don't like. That's the contrast that inspires desire. The contrast also sets up a crossroads. We can complain and attract more of what we don't like OR we can make peace with what-is, focus on what we prefer and attract more of the good stuff.[I get to choose how I respond and it matters very much what I choose. As A Course in Miracles proclaims, “I could choose love instead!” Or fun . . . or joy . . . or . . . ] Day #3. I notice my tendency to complain when I have to wait – at the chiropractor's office, checking out at the grocery store, etc. I'm wondering – Is complaining a response to feeling powerless? [It may feel like I’m taking my power back when I complain, but complaining actually lowers my vibration and exacerbates my feeling of powerlessness.]

Day #4. The weather forecast calls for a high of 108 here in Austin. Rather than complaining about the heat, I intend to appreciate the air conditioning and imagine cool crisp fall weather coming. [My neighbor was bemoaning the heat wave that day and I responded that I’d love to join in but I had committed to a complaint-free week. We both laughed.]

Day #5. I bet if we REALLY got it that we create our own reality, instead of complaining about a reality we don’t like, we’d get busy creating a reality we prefer.

[Complaining only brings us more to complain about.]

Day #6. If I say it's too damn hot or this traffic sucks or why did she cut my hair so short, I'm complaining. If I say it's really hot, there's a lot of traffic today, she sure cut my hair short this time, I'm noticing. One is a complaint and one is an observation.

And the vibrational difference is huge.[This was a fun realization. I can notice whatis without complaining about it.]

Day #7. Calls to customer service departments have often been less than a cakewalk for me so I set a strong intention before calling AT&T today. It worked!

I sailed through the entire call without complaint and proved that – with the right attitude – I can enjoy every moment of this physical life experience. [How empowering to know that it’s possible to enjoy any situation. Well, if not enjoy, at least accept.]

REVISITING MY COMPLAINT-FREE WEEK REMINDED ME: • How much easier it is to maintain a high vibration when I refuse to give in to blaming and complaining.

• I can always choose a better feeling response.

• Instead of complaining about a reality I don't like, I can focus on the reality I prefer and, thus, create a better feeling experience.

Today I’m recommitting to a complaint-free life and I’m super determined to find something positive about every situation.

Will you join me?

MARCH & APRIL 2017 Woman Newspapers 23 Source: ArticlesFactory.com

I ha ve

By r Deb e k Baer Bec

24

Woman Newspapers MARCH & APRIL 2017

sy een

d e h b b e r u T d

I’d made it home after a marathon travel day with the Hubster; bad weather, rerouted flights, and sprinting between airport gates. We’d missed our connecting flight in Chicago. We huddled together amid the congestion between concourses C and D to look at our phones, searching for a another flight.

People say travel is not what it used to be, and I say travel is exactly what it used to be - in the Middle Ages.

But, we made it home, and although I desperately needed sleep, my daughter Kay was on her way over to pick up her dog, Cricket, who had been at our house. I dozed on the sofa with the dogs snuggled against me. The Hubster was already asleep in our bedroom.

I heard Kay’s car pull up, and she breezed in, said, “Hi Mom,” and leaned down to pet the dogs who danced around her feet.

I hugged her, said, “Missed you, Pud,” (my baby name for her.) She had the sweetest little pudding cheeks when she was an infant. It’s my way of reminding this all-grown-up-lady that she’s my baby always and forever.

“I missed you, too, Mom,” she said, and hugged my neck.

Kay’s husband Adam walked in, too.

“Where’s your Hubster?” he asked and chuckled.

I handed Adam Cricket’s leash and said, “He’s already sleeping, but I’ll tell him you two kiddos were here.”

Instead of heading out the door, the two of them sat down on the sofa.

Kay held a small box wrapped in ribbon. She said, “Mom, we have a gift for you and Dad, and we really want to give it to you tonight.”

I blinked. “A gift. Why?” I stammered, feeling that familiar mental fog.

Was it our anniversary? No. I worried for the ten-thousandth time about early dementia. “Your father is sleeping, ” I pleaded. “We had an awful day.

United made us go to Cleveland for God’s sake!”

“Mom!” Kay said. Why were these two kids looking so earnest, and what’s with the goofy smiles? “We need to give you and Dad this gift now.

Adam’s going out of town for two weeks, and then you and Dad are gone

- it will be another month until we are all together again.”

OK. I’d forgotten about Adam’s traveling and yes, we had that California trip.

I tried again. “Kay, while I appreciate the gift, your father is sleeping like Lazarus before Jesus showed up.

Then Kay’s little pudding cheeks bloomed bright pink. “Mom!!! If you don’t share this moment with Dad, you’ll regret it for the rest of your life!” and then she got teary.

I had no words. I looked to Adam for direction but he just sat there with that goofy look.

“You know your Dad will come out here in his boxers,” I said as I sighed and headed to the bedroom.

“Honey,” I said, my face near his as he woke from what looked like a coma, and then looked startled. “Nothing’s wrong,” I said, “Kay and Adam are here and really want to give us a gift, maybe a new TV remote or something.” I shrugged my shoulders, looked at my feet and walked back to the living room.

The Hubster entered the room wearing his jeans, thank God - and he actually managed a smile and a hug for Kay and Adam before he sat down next to me.

Kay looked so relieved. She handed me the present.

Oh boy, I thought. I pulled the Christmas paper and ribbon away, opened the lid. Nestled inside white tissue paper I saw three tiny white newborn onesies, a couple of pacifiers, and a little sign: GRANDPARENTS’ STARTER KIT. I looked up at my daughter through happy tears with the kind of profound joy I haven’t felt since I first held this lovely Momma-to-be, my darling baby girl, in my arms not so very long ago.

Although our little grand babe won’t be here until mid-June, I have dubbed her Teensy, my special baby name for the sweetest little puddingcheeked granddaughter the world will ever see.

Look out, American Express, Mimi is just getting started.

“Kay and Adam are here and really want to give us a gift, maybe a new TV remote or something.”

MARCH & APRIL 2017 Woman Newspapers 25

MY SUCCESS STORY by Judy Ortiz

Out of the ashes, comes hope My name is Judy Ortiz. I am 35 years old and a single mother of six beautiful, healthy children.

Prior to living in Shippensburg, my family and I lived in Mechanicsburg, Pennsylvania, where tragically we Judy Ortiz lost our home in a fire.

That is where my story begins.

As a single mother I have always strived to do the best for my children. I have always worked and maintained work for long periods of time, sometimes working 2-3 jobs to provide for my family. I would often find myself struggling between spending time with my children and getting my bills paid. My goal was to successfully transition off government assistance.

Sadly, I lost my job due to new management and my office was closed. I was now seven months pregnant and dependent even more

on government assistance and unemployment, and if that wasn’t bad enough, a few weeks after Christmas 2015 we lost everything.

In mid-January of 2016 after a long day’s work, I began to cook dinner when tragedy hit.

That fire was the most horrific experience in our lives. All that I worked hard for was lost in an instant and all that remained was what matters most; my family. That is when my life changed.

Thanks to the help of the community and friends we were able to get everything replaced and were in a new home within two weeks. In April of 2016, I gave birth to a healthy, beautiful baby girl. She was the beginning of new hope and faith in my life. I dedicated the next few months to making a better life for my children and me.

I was referred to EDSI, a Work Ready program which helps individuals not only find employment but brush up on job readiness skills. With my ability and work ethic, I felt confident I could find a rewarding job.

As the weeks went by, I became very doubtful that the job I wanted was around the corner. More and more, I felt I would have to quickly just find a job I didn’t love to provide for my family, but with the encouragement of the program staff, I was able to keep focusing on my dream job.

In mid-June 2016, I was offered an interview with EDSI followed by an interview with PathStone Corporation in Dauphin County.

That is when I was introduced to Dress for Success South Central PA. If you remember, I lost everything I owned during the house fire and I was also seven months pregnant at the time. All the clothing donated to me at the time no longer fit me and I literally had to start from scratch. Dress for Success provided me with essentials and interview clothing. I still remember the outfit I wore for my interviews and how great I felt.

Soon after, I was offered a job as a Case Manager / Workforce Development Associate, making more money than my prior employment and doing what I love most - helping others. I soon returned to Dress for Success for my employment fitting and I was provided with several outfits to get me started.

I now help individuals work through their barriers and find employment, but most of all I now provide them with what was provided to me; a referral to Dress For Success.

Today, I am still employed with PathStone.

My daughter is 9 months old, my children are doing great in school, I now own my own car and I have a beautiful home. I share my story with each client I work with in hopes that I can provide them with some hope, relieve some doubt and eliminate some fears.

I hope that my story will make a difference in the lives of single mothers all across the world, that no matter what you face in life, if there is a will there is a way.

MY SUCCESS STORY is a regular feature sponsored by

A Program of Suits To Careers Inc.

AND

DRESS FOR SUCCESS South Central PA A Program of Suits To Careers Inc.

Harrisburg 717-232-1333 York 717-764-3330 Mobile 717-232-1333 ext. 106 southcentralpa@dressforsuccess.org To learn more about upcoming events: southcentralpa.dressforsuccess.org The mission of Dress for Success South Central PA is to empower women to achieve economic independence by providing a network of support, professional attire and development tools to help women thrive in work and in life.

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